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Vietnamese Hair Extensions are used to increase the length of your hair. However, this is not all they do, in fact, there is so much more to them, they can: increase the overall volume as well (through thicker hair), change your hair texture or just add few strands of different hair colors that will make your overall look pop.
And what extensions should you get. Be it for home or professional use, sometimes you want to learn more about the product before buying it, and extensions is not an exception.
How Do Vietnamese Hair Extensions Work?
Today Vietnam Remy Hair Blog introduce the working style of Vietnamese hair. All of them have advantages and disadvantages but to sum it up:
Clip in hair extensions use small clips that are used to attach your newly acquired hair.
Advantages: super easy to apply, can be done in minutes, best for beginners but used by professionals as well
Disadvantages: need to take off before sleeping
Flip-in extensions are pretty much identical to the clip ins, at least as far as advantages and disadvantages go, the only difference: there is a single loop that is hidden beneath your real hair, which holds extensions. If you have never tried these, we would suggest going with the clip ins instead.
Weave hair extensions – Vietnamese Hair Extensions is a special type of hair that many professional hair stylists use to make their own hair extensions, these can be glued in, sewed, etc. Some stylists even attach their own clips, so it is like a do yourself kit.
Advantages: can be trimmed to as many pieces as you like, great for customization
Disadvantages: requires a lot more knowledge to apply
Stick hair extensions are for long term use and are applied using plyers, basically, a hair stylist would squeeze a plastic that will attach itself to your real hair.
Advantages: heat is not required, can be used for long term results
Disadvantages: not as good as not fusion alternatives for long term results
Keratin hair extensions are as popular as hot fusion methods can get, these use a natural hair protein (keratin) and once melted, hair stylist would attach them to your own hair, blending both into a single strand.
Advantages: uses natural hair protein, great for long term use
Disadvantages: can be hard to take off as it uses heat to attach
Tape-in hair extensions is one of the most popular types of attachments, mostly due to the easy to use application and long term results, it uses glued tape, which is then attached to your own hair. Two tapes are used to make one sandwich where your own hair is in the middle.
Advantages: great for long term results, easy to apply, transparent tapes
Disadvantages: needs an acetone free nail polish to remove or special liquid, which is not a best thing for hair
So what should you get? If you are starting out, go with the clip ins for cold fusion, or if you want long term results and cold fusion: tape-ins. And if you really want to go all way in, hot fusion keratin is the way to go.
VIETNAM REMY HAIR CO.,LTD is one big supplier human hair in Vietnam. Through the years we've managed to create one of the most famous brands in our country and now we are glad to share our products online with you
You can try our Vietnamese Hair extensions products to have a healthy and beautiful hair! To get the best quality and best wholesale price for human hair, please come to Vietnam Remy Hair Co.,Ltd.


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Scared of asking for money? Just remember some guy gained £42k for a potato salad. And that's not the weirdest thing on this list of crowdfunding successes.
Category: Contractors
What is a P11D form?
Confused by P11D forms? Unsure whether you need to file one? Want to avoid the common mistakes? Read our articles and you'll be an expert in no time.
In this article we take a closer look at the P11D form, including what you need to include on it, when you need to file it, and – most important of all – what will happen if you don't fulfill your P11D duties.
What is a P11D?
The P11D form is used to report benefits in kind. These are items or services which you (or your employees) receive from your company in addition to your salary, such as private healthcare, interest-free loans (to pay for train season tickets, for example) and company cars. The annual P11D form allows you to report these items to HMRC on your annual Self Assessment return.
As benefits in kind effectively increase your salary, there may be National Insurance contributions to be paid on them, although it's important to note these contributions will be paid by the company, not the individual.
Who needs to file a P11D?
P11Ds are filed by the employer, not the employee – although, for many freelancers and contractors, they're one and the same.
When do I need to file a P11D?
Helpfully, P11D filings aren't dependent on your company year, and must all be filed by 6th July following the tax year in question. So, for example, your P11D for the tax year running April 2017 to April 2018 must be filed by 6th July 2018.
What needs to be included in a P11D?
Generally speaking, any items the company pays for that the employee benefits from need to be included on the P11D form. Expenses and benefits that need to be recorded include:
- Company cars
- Loans for rail season tickets
- Other loans
- Health insurance
- Assets provided to an employee that have significant personal use
- Self Assessment fees paid by the company
- Non-business travel expenses
- Non-business entertainment expenses
Recent changes to P11D
Prior to April 2016, expenses could be omitted from P11D forms by obtaining a special dispensation from HMRC.
This has now been replaced by an exemption system, whereby the majority of business expenses incurred personally by company employees no longer need to be recorded on a P11D. Exempt expenses include:
- Business Travel
- Business entertainment expenses
- Credit cards used for business purposes
- Fees and subscriptions
P11D penalties for late filing
As with most tax filings, HMRC is ready and waiting with the penalty hammer should you file late or incorrectly. If you miss the deadline of 6th July (either online or on paper), you won't incur penalties straight away – you have about a fortnight to put things right and file. Should July 19th come and go and your P11D is still nowhere to be seen, your company (not you personally) will incur fines of £100 per month (or part month) per 50 employees.
If you still haven't filed by November, HMRC will send you a reminder, along with details of all the penalties you've accrued up until then. If your P11D is incorrect, you could also face fines – but only if HMRC believes you deserve them.
If your mistake was genuine and HMRC believes you took reasonable care before filing, you might not face any fines. However, penalties of 30%, 70% or 100% of the owed tax can be applied if HMRC believes you acted carelessly, deliberately misled them or attempted to conceal your true liabilities.
P11D Common mistakes
Directors' loan accounts
If your directors' loan account (DLA) is overdrawn at any point in the tax year by over £10,000, you need to include the information on your P11D form. You'll need to pay interest on the overdrawn amount, and your company will pay a National Insurance charge on that interest. Keep a close eye on your DLA throughout the year as you could face a tax liability if at any point it 's overdrawn by £10,000 or more. The tax is calculated for each day that you are overdrawn by more than £10,000.
Finally, make sure that you're not caught out by Bed & Breakfasting. This is where you settle the overdrawn amount by depositing personal cash, only to withdraw the same amount within 30 days.
Home phone usage
The cost of calls made by employees from their home telephone or personal mobile where the company has repaid the expense can be overlooked. Be sure to keep a note of all your business phone usage and make sure every call is included. Getting a company mobile phone is strongly recommended to avoid any confusion.
As with all tax filings, the quality of your P11D is only as good as the data used to complete it. Try to keep your records up to date, reconcile your accounts often and address any problems early. If you stay on top of your accounts, filing your P11D will be a walk in the park.
What is a P11D(b)?
On HMRC's website, you will sometimes see form P11D(b) referenced. A P11D(b) is a form employers must submit, summarising the individual P11D forms they've completed for their employees.
How to file a P11D in your Crunch account
If you're a Crunch accounting client, filing your P11D is a piece of cake. Using the Crunch app, head to Pay Yourself, P11D Returns, Check and Submit, and agree to the declaration. After the form has been submitted, we'll let you know if there is any National Insurance to pay and how to make a payment.
If any National Insurance contributions are due, these will need to be paid by your company. You can make the payment in your Crunch account under the Company Tax tab.
The P11D form must be filed with HMRC every year on the 6th July. Any tax due must be paid to HMRC by the 22nd July each year.

subset: commoncrawl


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A GOOD virtual assistant can:
Save you MONEY – no employee related expenses such as: taxes, insurance, benefits, office space, equipment, supplies, and you only pay for hours worked.
Save you TIME – you are free to focus on listings, closings, networking and prospecting.
Enhance PRODUCTIVITY – you pay only for the hours worked therefor the job gets done faster. You are able to reach goals faster because you are free from the desk work.
Saves your SANITY – a virtual assistant can take the load off and give you the confidence and peace of mind that everything is still being handled. A good virtual assistant gives you the assurance that you can spend time doing other things and the job is still getting done.
Paula Wynn is the owner of Wynn Strategies, a Virtual Assistant company with experience in real estate. Paula's expertise includes social medial/digital marketing, transaction management, listing management, and graphic design.


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- FAIRFAX, VA--ICIF, the foundation of InfoComm International awarded the inaugural Michael Vergauwen Education Fund Scholarship to Dawn E.B. Meade, CTS, of Advanced Video Systems.
- Dawn E.B. Meade, CTS, is the director of marketing and AV sales and owner at Advanced Video Systems, in Owings Mills, MD. Fusing her marketing and creative backgrounds, Meade began her AV career designing fliers and basic websites at Advanced Video Systems, Inc. After attending her first InfoComm Show, Meade pursued industry education courses and certifications. She writes about AV both online and for print publications. Meade is a strong supporter of AV Week and is a member of the InfoComm PETC Outreach Committee and FAVE. She is pursuing a Master of Science degree in Technology Management and an MBA from University of Maryland.
- The Michael Vergauwen Education Fund fosters educational opportunities, enhancing the audiovisual industry's service to the public through scholarships, curriculum development, community engagement and the promotion of careers in the AV field. This fund honors Vergauwen's career achievements in the AV communications industry and his participation in and leadership of InfoComm International. His dedication to the industry and to its members serves as a role model for all InfoComm members.
- "ICIF congratulates Dawn Meade on her many accomplishments and is pleased to offer her the first Michael Vergauwen Education Fund Scholarship," said Duffy Wilbert, CTS, CAE, Senior Vice President, Membership, InfoComm International. " InfoComm also thanks Da-Lite for its continued financial support of the Michael Vergauwen Education Fund." At InfoComm 2010, Da-Lite presented a check for $10,000 to further the development of this beneficial program.
- Companies and individuals wishing to contribute to this fund should send donations to: Michael Vergauwen Education Fund, ICIF, 11242 Waples Mill Road, Suite 200, Fairfax, VA 22030. Checks should be made payable to the International Communications Industries Foundation. Donations will be tax deductible as provided by Section 501(c)(3) of the United States Internal Revenue Code.


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San Diego couple final link in kidney transplant chain
Rita Ayub never resigned herself to the idea that her husband, Oscar, would have to wait years for a kidney transplant because her organ wasn't a good match.
Fortunately for the San Diego couple, the National Kidney Registry came up with a lifesaving shortcut. It helps find donors for people who need a kidney, but only if they have a partner willing to give an organ to a stranger.
To learn more about kidney disease
National Kidney Disease Education Program
The Ayubs became part of an unprecedented chain of 21 kidney transplants at 11 hospitals across the country that began in January and ended Wednesday at Sharp Memorial Hospital in San Diego.
Oscar Ayub and an unnamed woman from Yucca Valley were the final recipients, thanks to donors including Rita Ayub.
On Friday, Oscar and Rita Ayub sat in his room in Sharp Memorial's surgical intensive care unit and chatted about the cruise they plan to take now that Oscar won't be hooked up to a dialysis machine three days a week and sleeping every day in between.
They said they were thrilled to be part of such a massive life-giving effort.
"It's too bad I don't have another kidney to donate," said Rita, who at 53 is a decade younger than her husband. "I would do it again."
The transplant chain relied on donations involving 21 donors and 21 recipients in seven states. Each person in need of a kidney had a donor partner — a relative, friend, co-worker or possibly a stranger — whose kidney was not a match for them.
The National Kidney Registry, founded in 2007, runs patients' medical information through a sophisticated computer analysis, matching donors with recipients. The New York nonprofit has become the largest such paired-exchange kidney transplant program in the United States.
Kidneys are the most common organ transplant in the United States yet recipients typically wait four years or more to find a matching donor, even when a loved one aches to help.
The registry now has 2,000 donors in its system with plans to expand, said executive director Thomas Mollo.
"We've done 178 transplants," he said. "Each hospital has to come into the system with a recipient and a donor, so we can continue to pay it forward."
The 21-transplant chain began Jan. 20 in New York with a donor whose kidney was given to a patient at the same Bronx hospital.
That recipient had a partner donor whose kidney was flown to UC San Francisco Medical Center and given to a recipient. That person's partner donated a kidney that was sent to St. Barnabas Medical Center in New Jersey.
The chain continued to crisscross the country — including nine surgeries on Tuesday and Wednesday — before finally ending in San Diego.
On Wednesday, Oscar Ayub received a kidney from a woman in New York whose daughter was getting a kidney the same day from a donor in Los Angeles. As Oscar was getting a healthy kidney, his wife, Rita, underwent surgery to give a kidney to the Yucca Valley woman.
The final recipient did not have a donor partner but was on Sharp Memorial's transplant list. Mollo said the registry is now working on a new transplant chain.
"This is why we get up and go to work," said Dr. Barry Browne, who performed the transplants at Sharp Memorial.
"With this new way of facilitating transplants, we can do a lot more," he said. "This allows people who have waited 5-10 years — our last patient waited 12 years — to move up right away and get a kidney transplant."
Last year, 16,829 kidney transplants were done in the United States. The median wait time nationwide is more than four years and almost 86,000 people are awaiting a transplant, according to the United Network for Organ Sharing.
The agency has contracted with the U.S. Department of Health and Human Services since 1986 to administer a national cadaver organ transplant network.
There has been no nationwide program for live donor transplants, however, and transplant centers have relied on their own networks to find suitable organs. Donors and patients also have turned to the Internet, with MatchingDonors.com creating the largest online network.
UNOS started a pilot program this year for kidney paired-donation transplants and five medical centers will participate.
"We expect to have the first of these chains done in the fall," said UNOS spokeswoman Anne Paschke.
Browne said the need for kidney transplants is expected to continue growing because the leading causes of kidney failure — including diabetes, high blood pressure and obesity — continue to escalate.
Browne called kidney failure "a disease of the working poor" who often can't afford a healthy diet or to go to the doctor with early symptoms of illness.
More than 600,000 people in the U.S. are on dialysis, including about 2,500 people in San Diego and Imperial counties, and a third are candidates for transplant, Browne said.
The surgery would substantially improve and lengthen their lives, he said.
"The average person with a kidney transplant will live 10 years longer than someone who stays on dialysis," he said. "Most importantly, you're no longer hooked up to a machine three days a week, so your quality of life goes up substantially.
"Following a transplant, you can go back to work full time, you can go back to school full time, so it's really a new shot at life. They really are the happiest patients in the hospital."
Oscar Ayub was clearly happy on Friday, jokingly pretending to dance from his hospital chair. He is expected to head home early next week and Rita is due to be released from the hospital today. Aside from a little soreness, she said she felt fine and Browne said she will function normally with her one remaining kidney.
The couple said they hope their experience will encourage others not to be fearful about donating an organ.
"They're giving life to somebody else, like she gave to me," Oscar said as he reached for his wife's hand.


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When to Change File/Assembly Versions
First of all, file versions and assembly versions need not coincide with each other. I recommend that file versions change with each build. But, don't change assembly versions with each build just so that you can tell the difference between two versions of the same file; use the file version for that. Deciding when to change assembly versions takes some discussion of the types of builds to consider: shipping and non-shipping.
Non-Shipping Builds
In general, I recommend keeping non-shipping assembly versions the same between shipping builds. This avoids strongly-named assembly loading problems due to version mismatches. Some people prefer using publisher policy to redirect new assembly versions for each build. I recommend against that for non-shipping builds, however: it doesn't avoid all of the loading problems. For example, if a partner x-copies your app, they may not know to install publisher policy. Then, your app will be broken for them, even though it works just fine on your machine.
But, if there are cases where different applications on the same machine need to bind to different versions of your assembly, I recommend giving those builds different assembly versions so that the correct one for each app can be used without having to use LoadFrom/etc.
Shipping Builds
As for whether it's a good idea to change that version for shipping builds, it depends on how you want the binding to work for end-users. Do you want these builds to be side-by-side or in-place? Are there many changes between the two builds? Are they going to break some customers? Do you care that it breaks them (or do you want to force users to use your important updates)? If yes, you should consider incrementing the assembly version. But, then again, consider that doing that too many times can litter the user's disk with outdated assemblies.
When You Change Your Assembly Versions
To change hardcoded versions to the new one, I recommend setting a variable to the version in a header file and replacing the hardcoding in sources with the variable. Then, run a pre-processor during the build to put in the correct version. I recommend changing versions right after shipping, not right before, so that there's more time to catch bugs due to the change.


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Search type: any / all / phrase.
Plenum Healer: offering metaphysical healing
* Affiliate links.
Questioner: I was wondering why the dark entity was on the right side of the card as far as the male figure, which is the Significator, is concerned, and the light white entity is on the left. If you could comment on that after making the instrument cough, please?
Ra: [Cough.] The nature of… We pause.
[Ten second pause.]
I am Ra. There was a serious pain flare. We may now continue.
The nature of polarity is interesting in that those experiences offered to the Significator as positive frequently become recorded as productive of biases which may be seen to be negative, whereas the fruit of those experiences apparently negative is frequently found to be helpful in the development of the service-to-others bias. As this is perhaps the guiding characteristic of that which the mind processes and records, these symbols of polarity have thusly been placed.
You may note that the hands of the central image indicate the appropriate bias for right- and left-hand working; that is, the right hand gestures in service to others, offering its light outward. The left hand attempts to absorb the power of the spirit and point it for its use alone.
Version (?): Lightly Edited, Ra Contact, Relistened, Original
Back to top
The original Law of One books are copyright ©1982, 1984, 1998 L/L Research. The Ra Contact books are copyright ©2018 L/L Research and Tobey Wheelock.
This site copyright ©2003–2020 Tobey Wheelock.
Questions? Comments? Email me: tw at law of one dot info.


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Dress in silk blue jewels. Bleu Émeraude
Sale price €399,00 Regular price
Victoria's creation dress Bijoux Blue
Exquisite silk dress with crystal-embellished blue jewels and necklace.
All designs are made with sumptuous noble silk and are embellished by hand with fine crystals carefully selected for each piece.
100% silk.
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Dry clean only.
One size fits all.


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Anime News – Zetsuboushita!!!
Are you in depair? Well even after a long day, i'm no longer in despair. That's because the despair inducing teacher is back July 2009! That's right, Sayonara Zetsubou is apprently going o be back for a thrid season.It will be title "Zan Sayonara Zetsubou Sensei" apparently. Shaft is going to be animating again so we don't need to worry about an awkward change in animation style or character design or even voice actors (like Hayate for example). Well, I'm definately going to be blogging this when the time somes around!
Also, Clannad After story's 8th DVD installment will be released n July the 1st. It will feature an anime special episode called "Another World: Kyou Arc" which will most probably be featuring parts of and possible the ending of the Kyou path in the visual novel. I am looking forward to this, since I'm one of those people who thought that the other "main" girls didn't take much part in the After Story.


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Total Glass were starting to look at options for supporting the company's computer systems. They were in search of a forward thinking organisation who could assist with the planned expansion of their company as well as fully managing their IT support.
Through partner recommendation Polymorph met with Total Glass to gain a deeper understanding of their requirements.
Following an agreed period of information assimilation Polymorph assumed the role of primary ITMS support for Total Glass early in 2014. The transition of support across to Polymorph went extremely smoothly.
All incoming support requests are now logged, like all Polymorph customer base, on our HelpDeskPro database. This allows full monitoring of problem resolution both to our Microsoft and IBM accredited engineers along with full reporting to the end customer.
Total Glass has been manufacturing and supplying UPVC and aluminium products to the construction and building trade since 1981. Based in near Liverpool, Merseyside, Total Glass has built up a reputation as one of the UK's premier providers of windows and glazing, doors, conservatories and curtain walling. The company currently employs over 200 staff and has a large, diverse customer base, covering the whole of England, Scotland and Wales. Its clients include private and public sector organisations, many of them well-known blue chip companies.


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A Discerner of the thoughts
Hebrews 4: 12 KJV "For the word of God is quick, and powerful, and sharper than any two-edged sword, piercing even the dividing asunder of soul and spirit, and of the joints and marrow, and is a discerner of the thoughts and intents of the heart."
Our God is great, wouldn't you agree? He sure is, we get to start a new day each day and this means we can improve on what we did yesterday. If you feel that you didn't do your best yesterday at least you have a chance to go and make things right today.
The same applies to our thought life. Taking my thoughts captive can be really difficult at times but when I wake up in the morning I remind myself that I am working on the renewing of my mind. I know that God's word is quick and powerful and sharper than any two-edged sword. This allows me to bring my thinking sort of under control. The minute I catch myself wondering or speaking negatively, I stop and say no. Start over.
Sometimes we slip up and we do and say things we didn't want to but it came out. Confess your mistakes, pray and ask the Lord to forgive you, turn from it and start over. I believe that my mind is still under construction and I know that it has to be checked each and every day. Without the Holy Spirit in my life, it would be a disaster, I will not be able to make the day.
Lord thank You for being patient with me today, knowing that it is my desire to renew my thought life and my thinking. I bring to You my negative and bad words asking that You would cut away the negativity I carry around with me and help me to replace it with your peace, love, and kindness. In the Holy Name of the Lord Jesus Christ of Nazareth, Amen.


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One of the more recent projects I've completed was for a renovation project that was put on hold. Regardless, here are several views that were rendered for the client. Most of the model started in SketchUp with detailed models and assets added in 3ds Max. I used several models from Evermotion, CG-Axis, Dimensiva, and MaxTree.
3ds Max Design 2014, SketchUp 2014, Forest Pack Pro, Corona, Photoshop
Original resolution: 3840×2160
'Right-click > Open Image in New Tab' to view full-size.


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April 12, 2013Defense and Security
Please join Assistant Secretary Shapiro, during the final weeks in his position, to discuss the integration of diplomacy and defense in meeting shared national security challenges.
April 12, 2013Defense and Security
Assistant Secretary Shapiro discusses the integration of diplomacy and defense in meeting national security challenges.
July 2, 2020Economics
The World Economic Update highlights the quarter's most important and emerging trends. Discussions cover changes in the global marketplace with special emphasis on current economic events and their i…
January 13, 2020United States
Presider Gideon Rose celebrates the winners of this year's Arthur Ross Book Award: Jill Lepore, Andrew Roberts, and Max Hastings. Gold medalist Jill Lepore discusses why the United States needs a nat…
January 14, 2020Elections and Voting
Panelists provide an update on the 2020 presidential race, the role of foreign policy in the upcoming primaries, and the international challenges the Democratic presidential candidates will need to a…
November 22, 2019United States
Panelists discuss upcoming cases for the Supreme Court's 2019–2020 term, and how the current makeup of the Supreme Court could affect landmark decisions.
November 14, 2019United States
Susan Rice discusses her new book Tough Love: My Story of the Things Worth Fighting For, which is a look back on her dynamic career in public service. (Applause.) HAASS: Well, you brought you…
October 16, 2019Economics
Jens Weidmann discusses the challenges facing the Deutsche Bundesbank, the role of central banks in Europe, and the global effects of transatlantic trade tensions. This event is cosponsored with t…
October 11, 2019Economics
Neel Kashkari discusses U.S. economic growth, monetary policy, and the Federal Reserve Bank of Minneapolis. The C. Peter McColough Series on International Economics brings the world's foremost eco…
September 24, 2019Climate Change
Following the United Nation's 2019 Climate Action Summit, panelists discuss the actions cities and countries can take to strengthen climate resilience.


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Have you noticed any changes with your brokerage account's "sweep" account option? Sweep accounts are set up at the time you open your account; usually
there is an option to sweep money you deposit in your brokerage account into a money market mutual fund to earn interest until you decide to put that money into a trade.
Recently, money market mutual fund sweep accounts seem to be either disappearing or increasing in cost (total operating expenses), resulting in lower yields for customers. For example, a major firm's sweep vehicles that I reviewed had what I consider to be very high costs (total operating expenses of 1% or more).
In a recent Barron's article, "How Brokerages Use 'Sweep Accounts' and Cash In on Your Desire for Convenience," Daren Fonda noted that most brokerage firms no longer provide a money market fund as the sweep account.
"Brokers that have eliminated money markets for cash sweeps include Charles Schwab (ticker: SCHW), E*Trade Financial (ETFC), Edward Jones, LPL Financial (LPLA), Bank of America Merrill Lynch (BAC), Morgan Stanley (MS), and TD Ameritrade (AMTD)," reported Fonda. "Only two holdouts — Fidelity and Vanguard — still make money markets available for daily trading and liquidity."
Why is this happening? The low interest rate environment. Brokerage firms make money on these sweep accounts, and with yields so low, there is less money to be made.
Here are some data points, as reported by Fonda: "The Fed's quarter-point rate reduction on Aug. 1 sent already-low sweep yields even lower. E*Trade yields dropped to 0.08% from 0.15% for cash balances between $100,000 and $250,000.
Morgan Stanley trimmed rates for all accounts under $1 million. At Merrill Edge, the discount brokerage division of Bank of America Merrill Lynch, sweep yields are down to 0.05% from 0.14% on balances with less than $250,000."
What should investors do? They can get higher yields while still investing in cash equivalents by placing trades, instead of just relying on the convenience of previously higher-yielding money market mutual fund sweep accounts. If they want access to cash from that money market mutual fund, they will have to place a sell order and wait until it settles.
Another sweep option offered by some brokerage accounts is a sweep into an FDIC-insured brokered certificate of deposit. Yields are better, but you have to be aware that some due diligence is in order.
Here's why: FDIC insurance goes a long way to protecting against bank failures for CDs that may be in the brokerage firm's offering. However, there are rigorous procedures that the brokerage firms must follow to claim that insurance on behalf of you (the client) should there be a failure. You are not the depositor directly. The FDIC insurance coverage "passes through" the agent or custodian (the brokerage firm) to the principal (that's you).
There is a complication that can affect the principal's coverage: The FDIC sorts the broker's list against the bank's depositor database to determine the amount of FDIC coverage.
Take this example from the FDIC's Processing Guide: "John Doe is one of your owners/investors, and you disclose that he has $120,000 on deposit at the failed institution. John Doe also deposited $50,000 directly at the failed institution and another $125,000 through a separate broker. Our computer program will group these three accounts together and reflect that John Doe has $295,000 on deposit in the single ownership category. In accordance with the deposit insurance regulations, John is only insured for $250,000."
Sweeps options will be developing further as we go through the low-interest-rate environment; and, in fact, yields could go negative at some point. As things change, I'll keep you informed in this column.
To read more about FDIC requirements, go to https://www.fdic.gov/ deposit/deposits/brokers/index.html.
Julie Jason, JD, LLM, a personal portfolio manager (Jackson, Grant of Stamford, Conn.) and author, welcomes your questions/comments (email@example.com).


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WESTconsin Credit Union's site building plan was recently approved by the Altoona City Council and construction plans are underway for breaking ground in late summer and opening in April 2017. The credit union selected Chippewa Valley-based Hoeft Builders as general contractor and construction manager. The new 8,000 square foot facility will be on the corner of River Prairie Drive and Bluestem Boulevard, right off of Highway 53. This will be WESTconsin's 15th office offering full-financial services.
Chippewa Valley Technical College has been designated a Tree Campus USA site by the National Arbor Day Foundation. Earning the designation was the result of an effort begun a year ago by a Landscape, Plant and Turf Management student. Started in 2008 and sponsored by Toyota, Tree Campus USA seeks to promote healthy trees and student involvement, similar to the Tree City USA program, of which Eau Claire is a member. In Wisconsin only UW-Fox Valley, UW-Oshkosh, UW-Stevens Point and Western Technical College in La Crosse are recognized by Tree Campus USA. To gain the recognition, CVTC had to meet five criteria, including creation of a committee, a campus tree care plan, an Arbor Day observance and a service learning project. Last year as part of the efforts, the CVTC Horticulture Club held an Earth Day tree seedling giveaway.
Julie Cook has been hired as the business development officer in the Commercial Banking Department at CCFBank. Cook brings more than 25 years of experience in financial services and community banking. Cook will be based out of the CCFBank Altoona branch location.
Culligan International, world leader in water treatment technologies, recently awarded two Sterling Water Culligan dealerships with Top 25 Awards for revenue excellence in 2015. Sterling Water Culligan in Eau Claire and in Rothschild recently accepted the award at Culligan's 80th Anniversary Bash in Huntington Beach. Top 25 Awards are given to Culligan dealers based on revenue growth in their respective market size, either small, medium or large. The 25 dealerships in each of these categories to yield the highest growth year after year are chosen for the award. This is not the first time Sterling Water Culligan has been recognized nationally. Both dealerships are previous Top 25 Award recipients, and they have also earned the E.J. Culligan award for being one of the top 15 performing dealerships in North America.
David Nelson, chief financial officer at HSHS Sacred Heart and St. Joseph's hospitals, was elected to serve on the Northwest Wisconsin American Red Cross Board as board chair. His one-year term in this role begins July 1. As the Board chair for the Northwest Wisconsin American Red Cross, Nelson will lead the board and set the tone for members. He will oversee governance and policy setting, with a focus on mission, direction priorities and evaluation. Nelson will have a significant influence on how the Board guides the chapter's humanitarian services and programs for 17 counties in northwestern Wisconsin and will be instrumental in helping the Northwest Wisconsin American Red Cross board address fundraising goals.Nelson has served as a volunteer with the Red Cross since 2012 as a disaster action team member and a government liaison. Two colleagues from HSHS Sacred Heart Hospital recently earned advanced certification in their respective fields. Peggy Schlough, a registered nurse in the hospital's critical care department, recently earned her cardiac surgery certification through the American Association of Critical-Care Nurses. This certification was introduced in 2005 for specialty certified nurses providing care to acutely/critically ill adult patients, particularly during the first 48 hours after cardiac surgery. Schlough also holds a cardiac medicine certification and has maintained her critical care registered nurse certification for more than 20 years. Kelly Schmidt, a registered polysomnographic technologist in the hospital's sleep disorder center, recently earned her certification in clinical sleep health. Issued by the Board of Registered Polysomnographic Technologists, this certification validates the highest knowledge of sleep disorders and treatments. Earlier this year, Schmidt earned her clinical sleep educator certification.
Three Royal Credit Union Board members were recently re-elected to three-year terms— Jennifer McDonough, Douglas Olson and Stuart Schaefer. McDonough was elected to the Board in 1997. McDonough also serves as chairperson of the Audit Committee and serves on the Compensation/Governance Committee. Olson was elected to the Board in 1995. Currently, Olson serves as chairman of the Board, Compensation/Governance Committe, and Political Action Committee. Schaefer was elected to the oard in 2011. Currently, Schaefer also serves on the Credit Oversight Committee. At the Reorganization Meeting, Olson was elected chairman; Tom Huffcutt was elected Vice chairman; John Sackett was elected treasurer; and McDonough was elected secretary. Nancy Beltz, Bill Blackburn and Schaefer serve as directors.
Mayo Clinic Health System recently awarded $200,000 in grant money to nonprofits in northwest Wisconsin to improve the health of communities in the region. Area non-profits that were awarded a grant through the Hometown Health Grant Program include:
- Altoona Elementary School: Four Seasons of Fun Fitness Trail, $20,000 – A two-mile fitness trail for all community members will be incorporated adjacent to the new elementary school. The trail will encourage outdoor fitness for people of all ages, and will provide information about local habitat, plants and animals by working with the Altoona High School science program.
- Boys & Girls Club of Greater Chippewa Valley: Healthy Lifestyles — Nutrition & Physical Fitness Program, $20,000 – Boys & Girls Club members will learn the basics of nutrition, fitness and personal wellness; including self-care and positive habits for personal hygiene and grooming. More than 1,000 children at centers in Eau Claire, Chippewa Falls and Menomonie are expected to benefit from this program.
- Chippewa Valley Free Clinic: Reducing Obesity in a High-risk Population, $14,000 – Clinical services will be enhanced by intervening with overweight and obese patients to prevent the incidence of serious-related disease. This clinical model will use education, counseling and treatment to engage patients in addressing and reducing obesity health risks.
- Chippewa Valley Montessori: Outdoor Environmental Project, $13,000 – Garden areas and green gathering and learning spaces will replace an existing play area that is more than 20 years old. Children and families from the community will be able to learn and play in areas that include an edible landscape and school garden, along with a restored prairie area.
- Feed My People Food Bank: Produce Initiative, $20,000 – This program will increase the amount of fruit and vegetables available to low-income residents in Barron, Buffalo, Chippewa, Dunn and Eau Claire counties. Approximately 180,000 pounds of produce is anticipated to reach 9,000 individuals in 3,000 households.
- Junior League of Eau Claire: Kids in the Kitchen, $8,000 – Kids in the Kitchen is offered in partnership with the Eau Claire Area School District. Cooking classes for fourth-graders will be offered at Forage in Banbury Place and will include food safety, food preparation and an art and fitness rotation, with activities including Zumba or yoga.
- School District of Augusta: Food — Small Choices, Big Changes, $16,000 – Classroom gardens will be created to teach students where food comes from, increase consumption of fruits and vegetables, and provide fresh produce to the school food service. Educational events will be held for families to learn and experience healthy food options.


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Who needs an MBA? Well, you might be surprised.
As a business columnist, economist, and adjunct professor in an MBA program, I often see the value of business principles and ideas in different situations. And I'm not just talking about owning, managing and working in a business, or making assorted career choices. Beyond such obvious cases, business thinking can be applied to situations that, at first glace, might seem distant from, perhaps even antithetical to, the business world.
Take two nonprofit areas: churches and parochial schools. I've been a volunteer in each, and have seen where principles of entrepreneurship and management have been applied and executed well, and where they were totally lacking.
I've asked a few pastors if they received any serious business training at seminary, since a church is, in certain aspects, a small business. All answered, "No."
It was intriguing then to hear that a pastor I was acquainted with earned his MBA. The Rev. Dr. Robert Hartwell, senior pastor at Village Lutheran Church and The Chapel School, in Bronxville, New York, graduated from Concordia Theological Seminary in Fort Wayne, Indiana, in 1993, has been at his current church since 1998, and earned a Doctorate in Ministry degree from New York Theological in 2001.
While pursuing his undergraduate degree and attending seminary, Hartwell worked as an engineer and on-air talent at a radio station. Interestingly, he said, "I was tempted at one point to continue in this career after seminary, but felt a real pull to pastoral ministry. As an aside, the manager at the station I was at when I graduated seminary had been baptized at my first call. What are the odds? I took that as a sign I had made the right choice."
So, why get an MBA (from Bay Path College) focusing on entrepreneurial thinking and innovative processes? Hartwell said, "My current call is as a senior pastor of a church with many programs and a thriving school. We have a $4 million budget and almost 100 faculty and staff members. I received no seminary training to prepare me to be the senior administrator of this scope of operation." Later, he added: "Every area of the business world has a locus in the church world and in almost every faith community. A church is a spiritual enterprise, but is set in a corporate shell, in almost all cases, and therefore business principles are directive."
Hartwell also spoke of the tough economy: "The church must pursue entrepreneurial endeavors to be competitive and to survive financially. For instance, I had to seek an interest-only loan period for our building debt during the recession, as well as eliminate and restructure several key staff positions. We also tried to work smarter. We outsourced pastoral counseling by bringing in a counseling center, which also provides rent and value-added services. We work collaboratively by sharing a pastor with our sister institution, Concordia College, and provide back-office support for our district office [or diocese] by placing our bookkeeper onsite at the district office half time each week for a stipend."
It also was interesting to hear a pastor talking about "competition." He said, "I am particularly interested in the work of Michael Porter and the helpful way he addresses the competitive forces that face modern businesses… In particular, he speaks of the threat of substitute products. There is perhaps no bigger financial or business issue for churches." As substitute products, he cited "hyperactive schedules of families with sports and extracurricular events that crowd into holy days," "busy schedules of parents working two or more jobs," and other small groups that "provide 'community' that people once received at their church or synagogue." Hartwell explained, "When you factor relatively inexpensive switching costs — small barriers to someone switching from you to a substitute — you have the ingredients of a real threat."
What to do? Hartwell explained, "Understanding how your congregation brings exceptional value to lives raises that switching cost and makes it likely that your community will not atrophy… Even basic faith tenants must be explained. For instance, I may know why I value my Lutheran heritage. However, parishioners need to be retold the value." He added that "if the switching costs are low simply because people are unaware of the value, we lose the opportunity for them to truly count the cost."
Pastor Hartwell served up additional insights, including about running a school, gleaned from his MBA education. He spoke about the time value of money and setting tuition rates, as well as how "staffing may be the great key to great ministry." Indeed, getting the right people in the right jobs is just as critical for a church or parochial school as it is for a for-profit enterprise.
To sum up, Hartwell declared, "The MBA gives me practical management tools that help me think outside the box."
Hartwell also noted his desire to help others in similar positions: "I am teaching a business class this spring at Concordia and am excited to pull the strings together, and perhaps write something or help develop a program that seeks to train not-for-profit managers, NGO executives and faith leaders." That impulse to help speaks favorably of both his faith and his MBA education.
Raymond J. Keating is the chief economist for the Small Business & Entrepreneurship Council. His new book is "Chuck" vs. the Business World: Business Tips on TV.


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Are you guys excited for the Dead or Alive 5 coming out soon? As background, DoA is a video game series with multiple platforms, including PlayStation and Xbox. It is a fighting game that's pretty popular because of its innovative fighting mechanics.
The series is well known for casting top-heavy female characters with bouncing breasts, but the designers of the 5th game attempted to decrease the breast size of their female characters in the demo. This short article explains the considerable amount of fan feedback for the demo that requested, of all things, bigger breasts.
This raises a few concerns, and because it's gender week, I'm going to talk about them!
Corporate Responsibility?
Notwithstanding the potential that there are many lesbian gamers or heterosexual females that just like to look at big boobs, it's safe to say that the fan feedback suggests DoA supports a large male audience. Is it acceptable, then, for the designers to cater to their primary audience's "needs," since this is ultimately a company seeking profit? Or, as Cassell suggests in Wednesday's reading (p.12), should this (and all other) games be expected to take on the responsibility of "underdetermined design" to avoid reinforcing gender stereotypes?
Valid Need?
The article quotes the Team Ninja director: "If you have a solid fighting game system there, there's nothing wrong with having beautiful characters as a layer on top of that–that's another layer of entertainment that there's a need for." However, this is strictly a fighting game. Can we really consider large breasts in the background a "need" that will enhance the game and its sales, or is this demand simply juvenile fantasy that should not be encouraged?
Are guys carrying out their stereotypical, age-old objectification of women, or is their demand acceptable? After all, though I haven't played the game, I watched a clip of it and noticed that although the women have large breasts and are invariably attractive, they are also impressively realistic in their design: no Barbie-sized abdomens or ankles. Furthermore, the women's primary purpose is the same as the men's—fighting—and they seem to be just as independent and capable in combat. Furthermore, they present a variety of gender expressions, like feminine and masculine clothing, and long and short hair. Is it really a big deal, then, if they have large breasts?
Since DoA must also have a female audience with "needs", should we then demand that the male characters have more prominent penises, in the name of fairness?


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Greetings from Portland, OR. Home of great craft brews, outstanding Pinot Noir, progressive ideals and the 2010 NBA Champion Trailblazers (you heard it here first.) For almost eight years now it has been my home as well, and though we still have very close ties to Mother Jersey, Donna and I have never regretted a single day since we settled in. And until we pay off the mortgage, retire early and embark on many cross-country adventures, Portland will be the center of our universe.
I'm still fairly new to blogging. I started using the Notes section of my Facebook page to share my thoughts on my music and fantasy football. My good friend Nash invited me to join his blog, We Opine, where we offer unsolicited opinions on all things irrelevant and useless. You'll find me over there when I'm feeling creative and silly. It is, of course, a must-read.
All of which leads me to the creation of my own little corner of the web, Sounds Good. It's a phrase I find myself using a lot, in response to a nice jam, a good idea, or just to acknowledge that I'm listening. I'll be sharing more personal and earnest insights on music and life in Oregon. Other than that, your guess is as good as mine in regard to where this particular bus is heading. But welcome aboard, keep your head outside the vehicle at all times, and enjoy the ride.


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The team Expressions Florist are creative passionate florists who enjoy working with each bride to match the perfect Wedding Flowers to their personal theme.
Catering for all budgets, from Simple Bouquets to Elaborate Weddings.
Elegant and Stylish Bouquets, created with a large variety of fresh blooms, luscious foliage and an assortment of accessories to personalize your wedding flowers.
Many brides who come to us are unsure of the right flowers and arrangements for their day. To assist, we have a selection of books, magazines and photos of our designs for inspiration.
Floral designs to think about for your day
Bouquets: Bride & Bridesmaids
Buttonholes: Groom, Groomsmen, Fathers & Grandfathers
Corsages:Mothers & Grandmothers
Arrangements:Ceremony or Church, Reception & Wedding Cake
Hair Flowers: Bride, Bridesmaids, Flower Girls
Personal Touches
There are many little extras that can be added to you Wedding Flowers to make them special and unique. Feathers, shells, beads, jewellery or other sentimental tokens.
Bouquets and arrangements can be created with almost anything, not just flowers! There is a vast variety of shapes, textures and shades of foliage, which can drastically change the look. Berries, nuts and twisted sticks can look very effective and why not a little spice, such as a few cinnamon twirls wrapped in beautiful wire.
If you are having your wedding dress/bridesmaids dresses made or altered, ask your dress maker for the extra material which we can use to bind the stems of your bouquets.
For a look at our portfolio you can pop in store, view our Gallery of wedding and events styled by Expressions, or alternatively check out our Facebook page.


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The OpenVINO™ toolkit allows your business to implement computer vision and deep learning solutions quickly and effectively across multiple applications.
Intel and Philips show the potential of using the OpenVINO™ toolkit to deliver cost-effective AI-driven medical imaging solutions.
To answer today's demands for capabilities like facial recognition, object detection, and predictive decision-making, businesses need sharper visual intelligence at the point of data capture.
AI at the edge is opening up new possibilities in every industry, from predicting machine failures to personalizing retail. With the OpenVINO™ toolkit, businesses can take advantage of near real-time insights to help make better decisions, faster.
Intel® Vision Products integrate the advanced software of the OpenVINO™ toolkit, along with an array of acceleration hardware, to capture visual content from edge to cloud. These solutions are driving next-generation AI and enabling powerful inference capabilities across many industries.
Intel has a comprehensive suite of AI technology to help you make the most out of your data.
Make your vision a reality on Intel platforms—easy development and fast deployment of computer vision applications for real-world use cases.
Faster and more effective data analysis doesn't have to come at high cost—Intel offers solutions that scale with your business.
Intel® AI: In Production offers a myriad of tools from software to development kits so your business can develop agile AI solutions with confidence.


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ASUS officially unveils their Threadripper X399 Strix-E motherboard
This motherboard will feature the same VRM heatsink solutions as the X399 Zenith Extreme
Published: 11th August 2017 | Source: ASUS Livestream |
ASUS officially unveils their Threadripper X399 Strix-E motherboard
ASUS has officially revealed their ROG Strix-E X399 motherboard for AMD's Threadripper CPU platform, offering the same VRM heatsink design as their X399 Zenith Extreme, making the game more than capable of overclocking AMD's new high-end desktop CPU lineup.
The ROG Strix-E X399 will offer many of the same features as the Zenith Extreme but is designed to come with a more affordable price tag, lacking the Zenith's 10Gb Ethernet card, DIMM.2 slot and a lower end audio solution.
ASUS is certainly taking VRM cooling seriously with Threadripper, which is unsurprising given its TDP of up to 180W. Our own testing has already proven ASUS' X399 VRM designs to be more than capable of cooling Threadripper, with our full review of the X399 Zenith Extreme and Threadripper 1950X here.
The X399 Strix-E comes with a familiar aesthetic, coming with RGB illumination and two onboard M.2 PCIe slots for SSDs, one sits below the chipset heatsink while the other sits below the 24-pin power connection in a vertical mounting configuration.
Unlike the X399 Prime-A, the Strix-E will come with onboard WiFi, though this motherboard will come with the same PCIe lane configuration.
Below is the full specification of ASUS's X399 Threadripper CPU lineup.
You can join the discussion on ASUS' X399 Strix-E Threadripper motherboard on the OC3D Forums.


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The ICUSB232SM3 3ft USB to Serial Adapter Cable lets you connect DB9 RS232 serial devices to your Mac® or PC laptop or desktop computer through an available USB port, as though the computer offered an on-board DB9M connector.
Unlike typical USB to serial converter cables where the conversion takes place at the DB9 end, the StarTech.com ICUSB232SM3 features a converter chip on the USB end. Converting at the USB source overcomes the 15ft. technical limit of USB cables, allowing for a much greater serial DB-9 extension cable (50ft.+ is possible depending on the application) if necessary.
Simple to install and use, this USB to Serial adapter is a cost-effective solution that bridges the compatibility gap between modern computers and legacy serial peripherals.
Backed by a StarTech.com lifetime warranty and free lifetime technical support.
Supports serial data transfer rates of up to 1 Mbps
No external power needed - draws power from the USB connection
Thin, lightweight design
Compatible with modems, printers, bar code scanners, servers, PDUs, and nearly any serial RS232 equipment
Easy to setup and install
The converter chip on the USB end of the cable allows extension of the DB9 serial over much greater distances than USB extension
Drawing power from the USB bus saves the hassle of carrying an external power adapter for this add-on serial port
Extensive list of compatible operating systems makes this device perfect for almost any RS232 application
Perfect for IT Administrators looking to add legacy functionality to newer notebooks, PCs and servers that lack an integrated RS232 port
Connect, monitor and control industrial/automotive sensors and equipment
Connect bar code scanners, receipt printers and other point of sale devices
Connect a satellite receiver, serial modem, or PDA with serial sync
USB to Serial Converter
Cable Nuts
|Input Port
|Output Port
|Maximum Baud Rate


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Identification & Treatment of Gynecologic Conditions
As one of Northern Colorado's leading OB-GYN clinics, we treat hundreds of gynecologic issues every year.
Our doctors always listen to patients empathetically, and weigh your concerns and feedback with respect. If something feels "off" or if you have a recurring problem, our expert team of female doctors can help you identify the cause and get things under control. Don't suffer in silence! A Woman's Healing Center was found by women for women, and we're here to help you feel comfortable and beautiful in your body.
A Woman's Healing Center's Expertise
Our team of doctors includes:
- Northern Colorado's expert in prolapse surgery, including cystocele, rectocele, and uterine prolapse repair
- Northern Colorado's expert in vaginal hysterectomy, the #1 recommended hysterectomy procedure by the American Congress of Obstetricians and Gynecologists
- Experts in laparoscopic surgery
- Experts in high-risk and routine obstetric care
We're here for you from puberty through menopause and beyond, and look forward to being your partners in good health. Here are some of the many gynecologic issues our physicians and surgeons are highly experienced in treating:
- Endometriosis
- Uterine fibroids
- Abnormal menstrual bleeding
- Irregular Periods
- Vaginitis
- Urinary Incontinence
- Pelvic Pain
- Pelvic Organ Prolapse
- Sexual Dysfunction
- Sexually Transmitted Diseases (STDs)
- Urinary Tract Infection (UTI)
- Abnormal Pap Smears
- Yeast Infections
If you think you may be experiencing one of these conditions or if something just doesn't feel right, please call our office to schedule an appointment today.


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Dalrock posted this-
I can't think of much to say. If you date this woman- by "this woman" I mean the generic equivalent- she will give you a lot of attitude and may make you wish you had just stayed home. Fuck her if you can and leave it at that. If she won't fuck you or gives you attitude don't worry about it.
MRA bloggers or game bloggers or whatever guys are always going on about women divorcing their husbands. But the truth is a lot of people are miserable being married. Men avoid divorce, I supposed, because of the cost, separation from children and maybe because they can substitute other things in their life for marital bliss. Women don't have these costs, so why shouldn't they, from the cold standpoint of self-interest, get divorced?
The problem is if you're miserable being married to one person, quite likely you'll be miserable married to another. Marriage is not for everybody. If a woman isn't satisfied with the man she was able to get when was younger, better looking, and childless, why does she think she'll do better as a 45 year old with a torn-up body and two kids?
There isn't any gold at the end of the rainbow. There isn't any end to the rainbow, it's an optical phenomenon, not a physical object. But women are sold different dreams than men. A 45 year old guy knows he's not going to be a baseball player, and he knows he's not even going to be president of the company. But why a middle-aged woman thinks Fabio is out there waiting for her, I don't know.


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White and Gold Cartier Lighter Replica
1:1 high copy.
Solid Steel - Very heavy and strong construction.
Weight to exact original.Comes with complete set of box for free.
According to the Postal Rules, we will ship the lighter without gas inside because the gas is tinder,prohibition for shipping.
Favorable price, Best quality guarantee,
Our Cartier Lighter Replica will never let you down. Fast Shipping to worldwide.


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Here is another educational tool that teaches number names, counting, and colors to kids. The LeapFrog Count Along Cash Register has 20 pieces and comes with real scanning sounds. You will need AAA batteries to use this. It is designed for children aged 2+ years.
*some of our articles have aff links. Please read our disclaimer on how we fund Exxponent.


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Las Vegas Plans BookedThursday, May 19, 2011
I'll be in Las Vegas from 6/25-7/2. I booked the flight with my airline miles (at least I'm getting something out of all the traveling I've been doing.)
I'll be staying at the Rio. I haven't played enough to maintain my previous Harrah's Rewards status but I get got a decent rate on the room.
As far as plans go while I'm there, I'm pretty much going to play it by ear. I'll be playing mostly cash games and may throw in a Venetian, WSOP, Binion's ME, or Casear's tourney in there to break things up.
Is anyone keeping a list of blogger dates in WSOP.? Let me know if you are in LV during that time and want to me up?


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They`ve had time to celebrate, they`ve had time to ponder on how tougher life in the Championship will be, now it`s down to the nitty-gritty.
Tomorrow, Posh return for pre-season training as they seek to venture forth into recently unchartered territory.
New signings Tommy Rowe, Toumani Diagouraga and Lee Frecklington will all be experiencing a Posh pre-season training period for the first time.
In fact, there`ll be a full house apart from Joe Lewis. The keeper has been granted a few additional days off following his exploits with the U21 squad and will not join up until the squad are in Marbella next week.
It`ll not be long until Derby County away now will it!
Join Vital Peterborough
It's easy to register , simply click the link and enjoy getting involved (you can even win prizes!)
Message Board To visit the message board, click here. Get involved This website is your website and we are looking for people to help run the site. Do you go to most of the games and have an opinion? Why not write a match report? Perhaps you are a budding journalist or even just someone who is very opinionated? Well why not join our team? If this interests you please contact Vital Peterborough.


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This past weekend my sister Sher, her daughter Kim and little Elias came down for a quick visit. Kim is due at the end of August and wanted to come down before it got too hot for her to travel.
Below are some great pictures of our early birthday celebration for little Elias who is turning 3 next month. We had a wonderful day, the sun was shining, it was so nice and warm.
I arranged some cupcakes in the shape of an E and added 3 candles for him. He was the center of attention and received some wonderful cards and gifts.
We also celebrated Tracey's birthday (my stepdaughter). Her actual birthday is Sunday May 24th.
Elias blowing out his candles
Tracey blowing out her candles
front row: niece Jessica, baby Madison, niece Kim and little Elias
Elias looks cool in his sunglasses!
my niece Kim (& Elias' mom) is due in August


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When external pressure on foundation walls becomes too great, walls can begin to bow in the middle, tilt along the top or slide along the bottom. The soil in the Kansas City area is made up predominantly of expansive clays – they swell or heave when inundated with water and shrink when dried. Swell pressure can occur when the soil becomes over-saturated, weakening the wall and pushing it inward.
Pier Masters has performed thousands of repairs on bowed walls, straightening the walls and strengthening them to resist external pressure in the future.
Repair methods for bowed walls can include:
- Helical Tiebacks: Also called helical wall anchors, this is a pre-engineered anchoring system to stabilize and/or straighten and strengthen bowing walls. The anchors are screwed at an angle into the ground, bypassing unstable soil until competent soil is reached. The other end of the anchor is attached to an anchor bolt and steel plate on the interior side of the wall. These plates hold the anchors in place, supporting and repairing the damaged wall. Depending on the severity of the bowing and the size of the affected area, a series of tiebacks can be installed along one wall.
- Steel Beam Vertical Wall Restraints: A steel beam that is installed vertically against a wall, connected to the floor joists above and the concrete slab below.
- Carbon Fiber Vertical Wall Restraints: This installation method doesn't require excavation and bonds flat to the wall.
Helical tiebacks can also be used for new construction projects as prevention for failing, bowing walls. For more information on how helical tiebacks work, visit our Resources section: Resources-Helical Tiebacks
The video below shows a Pier Masters crew installing helical tiebacks on a bowing foundation wall, along with a waterproofing system. The time lapse allows viewers to see the wall actually being straightened.


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Senator Baucus, the Chair of the Senate Finance Committee, issued a press release on Friday announcing that he would introduce legislation to repeal the new Form 1099 requirements.
If you are unfamiliar with these new rules, effective January 1, 2012, persons in business will have to issue Forms 1099 to businesses they pay more than $600 for goods or services during the year. So, for example, if you are in business as a writer and buy a new computer from Apple, you would have to issue Apple a Form 1099.
These new rules are absurd, and it is great news that Senator Baucus has announced that he will introduce legislation repealing these new rules. As soon as the draft legislation becomes available, we will post it here.


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43 komentarze:
Thank you for the beautiful tour and history !!!OdpowiedzUsuń
I love so much the home-bred !!!!
Hi Ola! Tonight super full moon, tomorrow spring... What a great weekend!! ;)OdpowiedzUsuń
OK; I know that contemporary art doesn't take unanimous approval... But some pieces are worth seeing. Check it at Blogtrotter Two, enjoy and have a superb weekend!!
Thank you for this post!OdpowiedzUsuń
I really hope i can visit Poland in the near future..
Wishing you a nice sunday :)
- Anonimowy20 marca 2011 00:35
There's rarely something as honest as bread.OdpowiedzUsuń
Thank you for this walk. Please have you all a good Sunday.
daily athens
I love finding old cemeteries to visit and photograph. So much history can be discovered.OdpowiedzUsuń
those are tall trees!OdpowiedzUsuń
Hi Ola,OdpowiedzUsuń
I enjoyed seeing where you went out walking and what a lovely forest.
Glad that you could get some fresh air and did not have to wear your jacket zipped up.
Spring is coming!
Enjoy the rest of the weekend
hi@ i managed to get back from japan on time. so glad able to read all the blog i've missed.OdpowiedzUsuń
i ABSOLUTELY love the first pic.... i was hoping to get one similar in japan but didnt manage to, you realised my dream :D
You brought us a breath of springtime with your photo's especially the first. Thank you for the tour and the history of the cemetery. I am fascinated myself with the time period of late 1880's close to turn of the century and just before WW11.
The bread looks delicious.
Have a good Sunday.
You are blessed to have such beautiful weather Ola, the photos you shared are wonderful. We are still covered in snow and I think today's the first day of spring... I'm going to have to check into this, maybe it's not until the 21st but either way, the snow isn't going to disappear within a day or two! lolOdpowiedzUsuń
The bread looks so good! Did it taste as good as it looks?
Enjoy your week and your glorious spring!
Ja też tydzień temu zaliczyłem pierwszy wiosenny wypad do Ojcowa. Było bardzo przyjemnie.OdpowiedzUsuń
Lubie cmentarze wojenne, ładnie wtopione w krajobraz. Mam na blogu jeden post o cmentarzach z I wojny światowej w Beskidzie Niskim. Cieszy to, że w większości te miejsca są obecnie zadbane, chociaż w przeszłości różnie z tym bywało.
No, i gratulacje dla Jacka za ten bochenek chleba. Jestem pełen podziwu.
Wonderful walk today. I enjoyed following you and seeing what you saw. Your images are delightful and tell a good story.OdpowiedzUsuń
Amazing scenery... Lovely pics.OdpowiedzUsuń
Cemeteries are sobering places to visit. It's a pretty trail for a hike. Nice photos.OdpowiedzUsuń
Your posts are always so interesting, Ola. An open jacket! Yay! Me, too. But then the temp dropped and today I found myself wearing my thick wool coat again...and boots!OdpowiedzUsuń
Gorgeous trees.... like grand ladies posing for the camera! You both look so happy walking the forest paths. Lovely.
Hi OlaOdpowiedzUsuń
This looked like a wonderul and invigorating walk! I like to visit cemeteries as there is a quiet peacefullness about them.
Jacek's home baked bread looks delicious!
Eyeliquor-the best time is spring or early autumn here!OdpowiedzUsuń
Mom Daughter Style - I noticed that fact only after your comment:)
Lily-good to hear that you are ok!
Darlin-it tastes very good! We had enough of "industrial" breads sold in shops, so it satisfies our dreams:)
Wkraj, ja też jestem pełna podziwu-tezeba być cierpliwym by piec, chyba sama bym miała dość:)
Thanks for all the comments!
What a very nice first spring walk..
I can smell till my point this bread.
Reminds me to go to the bakery..
What a great combination, traveling with an eye on history...OdpowiedzUsuń
Bitch, it was really fresh when I took that photo!OdpowiedzUsuń
Lovely post Ola! I so love early spring and it's nice to see it in Pland as well!OdpowiedzUsuń
you show us really interesting places in your blog. I´ve never seen that kind of cementery. Every culture is different. At those saint places too.OdpowiedzUsuń
What a wonderful walk. The history of cemetery is interesting. great post and photos.OdpowiedzUsuń
Spring has arrived here too. I enjoyed looking at your pictures of the Kampinos Forrest. I also enjoyed looking at all the attractive dishes you showed in some of your last posts. Thanks for visiting my blog.OdpowiedzUsuń
what a thought provoking trip through both nature and history....OdpowiedzUsuń
Hello Ola. Beautiful scenes here.OdpowiedzUsuń
Enjoy springtime.
Have a great day.
Gratuluję pierwszego bochenka! :)) Lubię takie spacery. U mnie dzisiaj cieplutko. Byłam o 9 na zakupach i latałam już w cieniutkiej, wiosennej kurtce :-) Uściski!OdpowiedzUsuń
The landscape in your lovely little corner of the world is beautiful!OdpowiedzUsuń
Have a lovely evening, Ola x
What a beautiful place to spend the afternoon in the woods!OdpowiedzUsuń
It's getting warmer here in London.
Oh, no I didn't win the lottery...
Maybe next time! ;)
we're experiencing lovely weather here,too. Spring is finally here. I look forward to many walks with the whole family.OdpowiedzUsuń
Hello Ola, It is nice to meet you. I'm your newest follower. Thank you for visiting my blog and all your kind comments. Wishing you a Happy Spring!OdpowiedzUsuń
What an interesting post...OdpowiedzUsuń
The trees, the cemetery, kitchen window and bread! Eclectic! It really is good that you honor those soldiers by visiting the cemetery... they were all so young and had they lived, would be old men now... so sad...
Please join me at my history blog - I'd love to have you!
I must say the moment I saw pictures of a forest in Poland, I immediately thought of the second world war.OdpowiedzUsuń
Good to see that the graves are well maintained.
Welcome spring!
Hello Ola! Poland looks so beautiful in spring through your photos and the home-made bread is just yummy ^^OdpowiedzUsuń
Thank you for your comments on my blog.
Nice to know you!
Lovely Spring stroll. We all seem to have a little Spring fever.OdpowiedzUsuń
Happy sunday Ola! Today, trees are in bloom here - so pretty! Have a lovely time.OdpowiedzUsuń
Hi Ola! tjanks for your comment at Blogtrotter Two, which is leaving the Côte d'Azur 2010, but has a beautiful spot for you... Enjoy and have a wonderful week ahead!!OdpowiedzUsuń
Palmiry są często punktem startowym naszych wędrówek po puszczy. Może kiedyś spotkamy się na szlaku. Gratuluję chleba.OdpowiedzUsuń
Nice to see the old cemetery is being well taken care of.OdpowiedzUsuń
- Anonimowy31 marca 2011 11:45
Just stopping by to wish you a good week, that bread is so tempting to taste it.
Loved your pics! Thanks for sharing!OdpowiedzUsuń
There is just nothing better then Springs arrival.OdpowiedzUsuń
Enjoy your weekend!
Debbie's Travels


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Bomb hits Pleasanton's Shaklee / Police unsure whether animal rights activists planted explosive
2003-09-27 04:00:00 PDT Pleasanton -- Federal agents are trying to determine whether a predawn explosion at a Pleasanton company Friday was the work of animal rights militants who have stepped up violent protest in the last year -- though authorities said the bomber also could have been anyone from a disgruntled worker to teenagers looking for a thrill.
The bomb, planted in a doorway on the south side of Shaklee Corp. and triggered by a kitchen timer, exploded at 3:22 a.m. Several windows were shattered and some stucco was torn from the building, but no one was hurt.
Hundreds of employees were prevented from going to their offices in the Hacienda Business Park on Willow Road as police and agents from the FBI and federal Bureau of Alcohol, Tobacco, Firearms and Explosives searched for evidence. Employees of most companies in the business park were allowed in later in the day, but Shaklee workers were told to come back Monday.
Shaklee, founded in 1956, sells nutritional supplements, personal care products and air treatment and water purification systems. The firm, which employs about 200 people in Pleasanton, calls itself a "company with a conscience" and touts its environmental record. Its parent company, however, has been a target of protests for its work with an animal research company that activists have tried to put out of business.
This is the second time in a month that explosions have rocked a Bay Area company. On Aug. 28, two pipe bombs went off at Chiron Corp., an Emeryville biotechnology firm. No one was injured in the blasts, which caused minor damage.
An animal rights group calling itself the Revolutionary Cells -- Animal Liberation Brigade, which the FBI believes is affiliated with the Animal Liberation Front, took responsibility for the earlier explosions. It said Chiron had been targeted because of its past dealings with a New Jersey company called Huntingdon Life Sciences, which does experiments on animals. No arrests have been made.
No one took immediate responsibility for the explosion at Shaklee. The FBI took the lead in the investigation, saying it was treating the blast as possible domestic terrorism.
"I'm uncomfortable pointing the finger at anyone," said FBI Agent Nancy Duncan. "It's just too early to tell. We're going to follow all avenues. This could be disgruntled employees, copycats of the Chiron case, a bunch of kids who think it's funny to get into the news or any permutation you could imagine. "
The Chiron bombing was an escalation in tactics by animal rights activists. Militant groups in the movement advocate vandalism and even arson, but most protesters have considered explosives to be too dangerous and violent. More common tactics are painting slogans on cars and buildings, freeing animals from farms and laboratories and setting fire to unoccupied buildings.
Shaklee's parent company, Yamanouchi Consumer Inc., has been the target of such harassment in the past. Tim Smith, director of strategic planning for Shaklee, said that about 1 1/2 years ago, People for the Ethical Treatment of Animals (PETA) threatened Shaklee.
"What disturbs me is that the people who did this -- if it's one of those animal groups -- care more about the ethical treatment of animals than of people, " Smith said. "It's like working in a war zone. It's not right."
PETA representatives, however, denied any connection to the bombing and demanded through their attorney that Shaklee officials "cease and desist" any accusations against the group -- threatening legal action if they don't.
Ironically, PETA has promoted Shaklee on its Web site as a company that does not test on animals. But its parent company, Yamanouchi, has a far worse reputation among animal rights advocates.
Activists say that like Chiron, Yamanouchi does business with Huntingdon Life Sciences. Animal groups accuse Huntingdon of abusing animals and have tried to put the firm out of business by applying pressure to its subcontractors.
Officials at Yamanouchi, a Japanese pharmaceutical company that has an office in Palo Alto, declined to comment.
In 1997, a busload of PETA protesters, including actress Kim Basinger, demanded the release of 40 beagles that were to have had their legs broken at Huntingdon to test a new osteoporosis drug developed by Yamanouchi. Huntingdon eventually turned the dogs over to the protesters.
In recent years, Yamanouchi has topped the animal-unfriendly lists of such groups as Stop Huntingdon Animal Cruelty, an organization formed with the express purpose of shutting Huntingdon down. In a message directed at activists, the group's Web site says Yamanouchi "pays Huntingdon Life Sciences to torture animals. Until you put an end to it."
The site also says anonymous activists recently released a year's worth of information on Yamanouchi, "from client lists, to bigwigs to the little people;
everyone who has walked through the front doors of their Palo Alto facility."
On Friday, a spokesman for Stop Huntingdon Animal Cruelty said he had not received any communiques taking responsibility for the Shaklee bombing.
"We do support the ideology of property destruction and economic sabotage as long as no one is harmed," said Rick Simpson, a volunteer for the group.
The Web site for the group acknowledged that Shaklee does not test its products on animals. "For this we applaud them for taking a stand against animal cruelty," the posting said. "We can only hope that Shaklee, as well as actions worldwide, will send a message to its parent company, Yamanouchi, that animal testing is not only fraudulent, it's unethical."
Chris Shaefer, a supervisory agent with the ATF, said the explosive device used at Shaklee will be analyzed for fingerprints and forensic evidence and will be compared to the pipe bombs used in the Chiron blasts.
"ATF takes these types of investigations very seriously," he said. "This time no one got hurt, but the next time who knows what will happen."


text: Pi Capital is a membership club that convenes extraordinary events with the world's most sought-after speakers. We act as a source of information and inspiration for our members, today's most dynamic and engaging leaders. Our gatherings provide unparalleled access and expand our members' capacity to achieve success, both personal and professional. We share this expertise in our support to PBE's Dining Club.


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Protecting Your Brain: 'Use It or Lose It'
A new study in Biological Psychiatry examines the underlying biology
A new study in Biological Psychiatry examines the underlying biology
Philadelphia, PA, April 25, 2012 – The findings of a new study suggest that the protective effects of an active cognitive lifestyle arise through multiple biological pathways.
For some time researchers have been aware of a link between what we do with our brains and the long term risk for dementia. In general, those who are more mentally active or maintain an active cognitive lifestyle throughout their lives are at lower risk.
"The ideas of a 'brain reserve' or 'cognitive reserve' have been suggested to explain this, but were basically a black box. This research throws some light on what may be happening at the biological level," said Associate Professor Michael J. Valenzuela, a brain aging expert at the Brain and Mind Research Institute, University of Sydney, Australia, who led this new study.
Researchers used data from the Cognitive Function and Ageing Study, a large population-based study in the United Kingdom that has been following over 13,000 elderly individuals prospectively since 1991.
At the time of this study, 329 brains had been donated and were available for analysis. Brains were compared based on the individual's dementia status at death (yes or no) and cognitive lifestyle score, or CLS (low, middle, or high).
The three CLS groups did not differ among multiple Alzheimer's disease (AD) neuropathology measures, including plaques, neurofibrillary tangles, and atrophy. This means that cognitive lifestyle seems to have no effect on the brain changes typically seen in those with Alzheimer's disease.
However, an active cognitive lifestyle in men was associated with less cerebrovascular disease, in particular disease of the brain's microscopic blood vessels. An active cognitive lifestyle in women was associated with greater brain weight. In both men and women, high CLS was associated with greater neuronal density and cortical thickness in the frontal lobe.
"These findings suggest that increased engagement in stimulating activities are part of a lifestyle that is, overall, more healthy," commented Dr. John Krystal, Editor of Biological Psychiatry. "Rather than specifically protecting the health of activated circuits, it seems that a more active lifestyle has general effects on brain health reflected in greater neuronal density and preservation of the blood supply to the brain."
"Overall, our research suggests that multiple complex brain changes may be responsible for the 'use it or lose it' effect," Valenzuela added.
With a globally aging society and the risk of dementia increasing significantly with age, dementia-prevention strategies are of rising importance.Understanding the mechanisms of cognitive enhancement through research such as this can help support and inform the development of effective strategies to enrich cognitive lifestyle and potentially reduce dementia risk.
The article is "Multiple Biological Pathways Link Cognitive Lifestyle to Protection from Dementia" by Michael J. Valenzuela, Fiona E. Matthews, Carol Brayne, Paul Ince, Glenda Halliday, Jillian J. Kril, Marshall A. Dalton, Kathryn Richardson, Gill Forster, Perminder S. Sachdev, for the Medical Research Council Cognitive Function and Ageing Study (doi:10.1016/j.biopsych.2011.07.036). The article appears in Biological Psychiatry, Volume 71, Issue 9 (May 1, 2012), published by Elsevier.
Notes for editors
Full text of the article is available to credentialed journalists upon request; contact Rhiannon Bugno at +1 214 648 0880 or firstname.lastname@example.com. Journalists wishing to interview the authors may contact Associate Professor Michael J. Valenzuela at +61 2 9114 4135 or email@example.com.
The authors' affiliations, and disclosures of financial and conflicts of interests are available in the article.
John H. Krystal, M.D., is Chairman of the Department of Psychiatry at the Yale University School of Medicine and a research psychiatrist at the VA Connecticut Healthcare System. His disclosures of financial and conflicts of interests are available here.
About Biological Psychiatry
Biological Psychiatry is the official journal of the Society of Biological Psychiatry, whose purpose is to promote excellence in scientific research and education in fields that investigate the nature, causes, mechanisms and treatments of disorders of thought, emotion, or behavior. In accord with this mission, this peer-reviewed, rapid-publication, international journal publishes both basic and clinical contributions from all disciplines and research areas relevant to the pathophysiology and treatment of major psychiatric disorders.
The journal publishes novel results of original research which represent an important new lead or significant impact on the field, particularly those addressing genetic and environmental risk factors, neural circuitry and neurochemistry, and important new therapeutic approaches. Reviews and commentaries that focus on topics of current research and interest are also encouraged.
Biological Psychiatry is one of the most selective and highly cited journals in the field of psychiatric neuroscience. It is ranked 4th out of 126 Psychiatry titles and 15th out of 237 Neurosciences titles in the Journal Citations Reports® published by Thomson Reuters. The 2010 Impact Factor score for Biological Psychiatry is 8.674.
About Elsevier
Elsevier is a global information analytics business that helps scientists and clinicians to find new answers, reshape human knowledge, and tackle the most urgent human crises. For 140 years, we have partnered with the research world to curate and verify scientific knowledge. Today, we're committed to bringing that rigor to a new generation of platforms. Elsevier provides digital solutions and tools in the areas of strategic research management, R&D performance, clinical decision support, and professional education; including ScienceDirect, Scopus, SciVal, ClinicalKey and Sherpath. Elsevier publishes over 2,500 digitized journals, including The Lancet and Cell, 39,000 e-book titles and many iconic reference works, including Gray's Anatomy. Elsevier is part of RELX, a global provider of information-based analytics and decision tools for professional and business customers. www.elsevier.com
Media contact
Rhiannon Bugno
Editorial Office, Biological Psychiatry
+1 214 648 0880


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Gossip Girl Hairstyles Biography
To get this look, first get some hair clips at a beauty supply store -- the kind made to hold curlers in place.
Step 1: Roll 1-inch sections of hair around a 1-inch curling iron. (Roll bottom-up, like you're putting in a classic curler.) As you finish each curl, re-roll it with your fingers and clip it against your head.
Step 2: When your whole head is curled, clipped and cooled, release.
Step 3: Brush each curl with a Mason Pearson, or boar-bristle brush. "This adds shine, and it will make curls look polished and 'done,'" Le Complete says.
Step 4: Pin hair back behind one ear.
If you don't have thick hair, clip on a layered extension that runs from ear to ear in back. The extra strands will give you lots of twists in the back.
Step 1: Apply a pea-size dab of grooming cream to dry hair (try Bumble and bumble Grooming Creme, $25). "It will help your hands move through it better," Le Comlepte says. Apply a second pea if hair feels dry.
Step 2: Using your fingers, pull back a 1-inch section and twist it until it twists onto itself; pin it in place.
Step 3: Load the back of your head with twists.
Step 4: Allow any little pieces that fall out, to stay out. It's a not-perfect look, so don't sweat the imperfections.


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Geheee is tower defense game. Game without adjectives. Author Geheee made that looks like computer games from times of Atari and Spectrum.
Evil army is approaching the city of Geheee. Your task is to stop them, before they reach the city. This text is copied from game help. Evil is going in 15 waves and you have only 10 lives to resist enemies attack. To stop evil, you can build 3 types of towers:
- Basic Tower will hit enemies
- Chrono Tower will slow enemies
- Ion Tower will break enemies shield
Not less, not more. All towers can be upgraded or demolished. You can only place towers on selected places. To place tower, you must choose point on map, where you want to place tower and then choose tower. Graphics of this game is very simple. Also background music is from times, when PC doesn't exist. Game is playable, but it is very slow. Mot people doesn't like this game. It was one from the first online tower defense games, I have ever played. I liked this game. But now I know a lot of better games. But this game showed me, what are tower defense games about.
Geheee tower defense is very simple game. It is slow, and it reminds me games from 8-bit computers.
GeheeeSubmitted by svajdlenka on Tue, 12/21/2010 - 19:03
Geheee - Here you can write posts about this game.
- 2 comments
- 2955 reads
- 2343 reads


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Christine Steere
Jean Kopan
Semira Perdue
Semira Perdue has made Worcester Township her home. She and her family are active school event participants, and she is a reliable member of multiple committees at both Worcester Elementary and Skyview Upper Elementary. Ms. Perdue is a scientist and international regulatory affairs manager for a multinational pharmaceutical company.
Drew Maginnis
Drew Maginnis is a Methacton grad and community volunteer. He holds a BS in Business/Marketing from LaSalle University, and an MBA from Villanova University. He is employed as the Director of Operations for a telecommunications service provider. Mr. Maginnis has enjoyed volunteering as a coach for youth football and baseball in his free time, as well as on the events board of For Pete's Sake, a local non-profit charity that helps adult cancer patients and their loved ones.
Paul Winters
Paul Winters is a current Methacton School Board director, serving on the Education and Policy Committees. Previously, he sat on the Finance Committee, and represented Methacton at the Montgomery County Intermediate Unit. He is employed as a Business Analyst and has experience working in accounting and systems controlling. Mr. Winters has served as a volunteer for Methacton United and ARA Baseball, and has an annual commitment as an all-night volunteer for Methacton Post Prom.
Andrea Rees
Andrea Rees is a current Methacton School Board Director, serving as Chair of the Education Committee, as a member of the Policy Committee, and as Vice President of the North Montgomery Technical Career Center Joint Operating Committee (JOC). She has been a public school teacher for almost 20 years, beginning her career teaching third grade at Radnor School District. Since 2003 she has taught gifted support, 6th grade English Language Arts and Social Studies, and 7th grade Reading for Spring-Ford Area School District.
Kim Aubrey-Larcinese
Kim Aubrey-Larcinese is the current President of the Methacton School Board, and a member of the Policy Committee, on which she was the former Chair. Before being elected to the Methacton School Board, Ms. Aubrey-Larcinese served as a Home & School Officer for Woodland Elementary, and volunteered regularly in the district's schools. She earned her BA in English and Women's Studies from Temple University.
Related Links:


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get Safe, be Protected with a Multi Environment Womens Helmet
"This performance helmet provides a great level of protection for all types of riding including E-Bikes, town, commute, bike path, trail, tour, road."
Solution for… riders who want a high performing helmet to wear in a variety of environments, ideal for beginner to intermediate mountain biking as well as getting teenagers/you around town in high traffic situations. This performance helmet is a women specific helmet known as the Giro Cartelle.
Features; It has extended rear head coverage yet it is lightweight. It provides ideal impact protection with its MIP system, which distributes the force of an angled impact. Increased shell strength and an easy to use fit system provide a sense of security every time you ride, wherever you choose to ride. The Cartelle is a versatile investment.
The ideal helmet for everyday use in multiple types of riding environments including mountain biking. Our most popular selling helmet is also available for Men
For the ultimate in protection combine your Multi Environment Helmet with Padded Pants, Hydration or Gloves and SAVE
DELIVERY: Please click for detailed information of the cost to deliver the Multi Environment Womens Helmet (small item) within 3-5 working days. You can buy as many products as you like and you will only pay postage for the largest item (except if you are buying multiple large items).
Multi Environment Womens Helmet SIZING GUIDE. A good fit is key to good performance and safety.
"Iceberg", "Matte Black", "red"
"Small 51 to 55cm", "Medium 55 to 59cm"
There are no reviews yet.


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Investing in gold coins – Krugerrands, Mandela Coins, SA Collector Coins etc
Lately, there have been more and more ads promoting gold coins as an investment. The ads and the idea of gold coin investing caught my attention so I thought I'd do some further investigating into the subject.
I know when getting started with investing you should work with a reputable and well established company. And in the case of gold coin investing, the SAGCE is the one to go to in South Africa. The SAGCE is a popular choice for both collectors and investors, offering a variety of gold coins, Krugerrands and Mandela Coins. The company's retail division Scoin Shops are convenient and make buying gold coins easy for private investors and collectors.
The Krugerrand is by far the most popular and most well known of South African gold coins. It is recognised as one of the top 300 brands in the world and it remains a standard in the industry. There are many valuable gold coins that investors and collectors look for. Limited edition gold coins such as those found in the Protea Series, Natura Series and Nelson Mandela gold medallion sets, are all highly regarded and are sought after by collectors and investors. There have also been limited edition releases to mark sporting events – for example, the 2007 Rugby World Cup gold coins and 2010 FIFA World Cup gold coins.
If you get more into the subject of gold coins, then you'll hear terms like gold bullion and gold alloy. I'll try to explain these terms briefly.
Gold bullion basically refers to any form of gold where the composition is almost entirely made up of gold. Gold alloy refers to a composition of gold and another base metal, where more than 50% of the total composition is gold.
Gold coins are not made up of 100% pure gold. In its purest form, gold is too soft to use for coins and jewellery on its own. It first has to be alloyed with other base metals like silver, nickel, copper, zinc etc. What you then get is a harder substance called 'gold alloy', which can be used for coins, jewellery and other items which need to be durable and solid.
Here's an example. A Krugerrand consists of 91.67% pure gold. Krugerrands are strengthened and alloyed with 8.33% copper. This gives the Krugerrand an orange look. Compare one to a silver alloyed gold coin and you'll see the difference. Copper alloy coins are harder and therefore more resistant to damage from scratches and dents.
Since we're on the subject of Krugerrands, here are some more facts about this globally recognised coin.
- The Krugerrand is rated as one of the Top 300 brands in the world.
- Krugerrands are available in 1 oz, ½ oz, ¼ oz and 1/10 oz coins.
- The coins are minted in 22 carat gold.
- Krugerrand prices are quoted in US Dollars.
- Looking at the Krugerrand coin, you'll find Paul Kruger (president of the old ZAR – Zuid Afrika Republiek) on the one side and the famous prancing Springbok on the other side.
- A Krugerrand consists of 91.67% pure gold. The remaining 8.33% is copper.
- Proof Krugerrands are the most sought after Krugerrands. Only limited amounts of these coins have been minted which makes them more attractive to investors and collectors.
- Traditional Bullion Krugerrands have 160 serrations, while Proof Krugerrands have 220 serrations.
- Something which makes Krugerrands so popular, is the fact that they are available in 1 ounce coins – a preferred choice for private investors looking to buy.
Something else to consider is the 'collectors value' of gold coins. While the value is influenced by the gold price and the value of gold, the rarity of some gold coins brings into account the 'collectors value'. Some collectors will pay more than the estimated market value if they're looking for a specific coin. If you have a rare gold coin, it's up to you and the collector to agree on a selling price – a price which could be very rewarding financially.
Be sure to buy your gold coins from a reputable dealer – like the South African Gold Coin Exchange (SAGCE) for example. Gold coins are an investment, so stick to authorised gold dealers and qualified gold brokers. Do your research, ask questions, check the coin gradings and check the coin values. An authorised gold dealer should be able to assist you with all your queries before you buy.
If you're collecting gold coins or investing in them please feel free to post a comment. How does it rate compared to other investments? It would be interesting to hear from you.


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The bloody truth: Platelets save lives
Indianblooddonors.com's Khusrao Poacha recently launched Plateletdonors.org to help fulfill the need for platelet donors
"A social worker who was working with Parel's Tata Memorial Hospital once told me that cancer patients find it that much more difficult to locate platelet donors as compared to blood donors.
Also, they end up spending way more money on getting platelets," admitted Khushrao Poacha, who as of today has over 20,000 blood donors listed on his website, Indianblooddonors.com. This realisation inspired him to start Plateletdonors.org, an SMS helpline service, that connects platelet donors to patients who need platelets. The service, which started about two weeks ago, has about a 100 registered donors, already.
"Platelets have a shelf-life of only five days. That is the reason why they are not collected and stored. When a patient needs platelets the family members have to run from pillar to post trying to find a donor," reveals Poacha.
He adds that since most people do not have much knowledge about platelet donation, many, including willing blood donors, are hesitant to donate it.
Some of the reasons for the scepticism include a lack of knowledge and the fact that the time taken for platelet donation is higher — about an hour and a half to two hours. But this new forum, he feels, should help encourage many more people to register as platelet donors. "The best part is that regeneration of platelets happens quite fast, and healthy donors can donate platelets up to 24 times in a year," he adds.
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