text:
Fixed - 2 years
based on $300,000 loan amount for 25 years
Fixed - 3 years
RateCity Says: Fix the interest rate on your owner occupier home loan for up to three years and pay no ongoing fees.
Calculate repayment for People's Choice Credit Union product
Fixed - 2 years
Your estimated repayment
based on $300,000 loan amount for 25 years
Pros and Cons
Pros and Cons
- Lower than average interest rate
- Parents can sign as guarantor
- Split account option
- Limited extra repayments
- No redraw and no offset
- Ongoing fee
- Discharge fee at end of loan
People's Choice Credit Union Features and Fees
People's Choice Credit Union Features and Fees
- Details
- Features
- Fees
- Application method
Maximum LVR
Less than 90%
Total Repayments
Next LVR
Interest rate type
Fixed - 2 years
Borrowing range
Suitable for
Loan term range
1 - 30 years
Principal & interest
Interest only
Applicable states
Extra repayments
Yes - limited to $10000
Offset account
Redraw facility
Split interest facility
Loan portable
Repayment holiday available
Allow guarantors
Available for first home buyers
Total estimated upfront fees
Application fee
Legal fee
Valuation fee
Settlement fee
Other upfront fee
Ongoing fee
$8 monthly
Discharge fee
Application method
In branch
- Cashback Refinance and enjoy $2,000 cashback per property on home loans over $250,000
Pros and Cons
- Lower than average interest rate
- Parents can sign as guarantor
- Split account option
- Limited extra repayments
- No redraw and no offset
- Ongoing fee
- Discharge fee at end of loan
People's Choice Credit Union Features and Fees
- Details
- Features
- Fees
- Application method
Maximum LVR
Less than 90%
Total Repayments
Next LVR
Interest rate type
Fixed - 2 years
Borrowing range
Suitable for
Loan term range
1 - 30 years
Principal & interest
Interest only
Applicable states
Extra repayments
Yes - limited to $10000
Offset account
Redraw facility
Split interest facility
Loan portable
Repayment holiday available
Allow guarantors
Available for first home buyers
Total estimated upfront fees
Application fee
Legal fee
Valuation fee
Settlement fee
Other upfront fee
Ongoing fee
$8 monthly
Discharge fee
Application method
In branch
- Cashback Refinance and enjoy $2,000 cashback per property on home loans over $250,000
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What is a credit file?
A comprehensive summary of your credit history from an authorised credit reporting agency.
It includes your credit details, credit taken in the last five years, any default payments or credit infringements, arrears, repayment history, bankruptcy filings and a list of credit applications (including unapproved credit applications) in addition to your personal details.
What is a bad credit home loan?
A bad credit home loan is a mortgage for people with a low credit score. Lenders regard bad credit borrowers as riskier than 'vanilla' borrowers, so they tend to charge higher interest rates for bad credit home loans.
If you want a bad credit home loan, you're more likely to get approved by a small non-bank lender than by a big four bank or another mainstream lender.
What is a variable home loan?
A variable rate home loan is one where the interest rate can and will change over the course of your loan. The rate is determined by your lender, not the Reserve Bank of Australia, so while the cash rate might go down, your bank may decide not to follow suit, although they do broadly follow market conditions. One of the upsides of variable rates is that they are typically more flexible than their fixed rate counterparts which means that a lot of these products will let you make extra repayments and offer features such as offset accounts.
How can I negotiate a better home loan rate?
Negotiating with your bank can seem like a daunting task but if you have been a loyal customer with plenty of equity built up then you hold more power than you think. It's highly likely your current lender won't want to let your business go without a fight so if you do your research and find out what other banks are offering new customers you might be able to negotiate a reduction in interest rate, or a reduction in fees with your existing lender.
What is an ombudsman?
An complaints officer – previously referred to as an ombudsman -looks at formal complaints from customers about their credit providers, and helps to find a fair and independent solution to these problems.
These services are handled by the Australian Financial Complaints Authority, a non-profit government organisation that addresses and resolves financial disputes between customers and financial service providers.
How much of the RBA rate cut do lenders pass on to borrowers?
When the Reserve Bank of Australia cuts its official cash rate, there is no guarantee lenders will then pass that cut on to lenders by way of lower interest rates.
Sometimes lenders pass on the cut in full, sometimes they partially pass on the cut, sometimes they don't at all. When they don't, they often defend the decision by saying they need to balance the needs of their shareholders with the needs of their borrowers.
As the attached graph shows, more recent cuts have seen less lenders passing on the full RBA interest rate cut; the average lender was more likely to pass on about two-thirds of the 25 basis points cut to its borrowers.
How personalised is my rating?
Real Time Ratings produces instant scores for loan products and updates them based what you tell us about what you're looking for in a loan. In that sense, we believe the ratings are as close as you get to personalised; the more you tell us, the more we customise to ratings to your needs. Some borrowers value flexibility, while others want the lowest cost loan. Your preferences will be reflected in the rating.
We also take a shorter term, more realistic view of how long borrowers hold onto their loan, which gives you a better idea about the true borrowing costs. We take your loan details and calculate how much each of the relevent loans would cost you on average each month over the next five years. We assess the overall flexibility of each loan and give you an easy indication of which ones are likely to adjust to your needs over time.
Do other comparison sites offer the same service?
Real Time RatingsTM is the only online system that ranks the home loan market based on your personal borrowing preferences. Until now, home loans have been rated based on outdated data. Our system is unique because it reacts to changes as soon as we update our database.
How does Real Time Ratings work?
Real Time RatingsTM looks at your individual home loan requirements and uses this information to rank every applicable home loan in our database out of five.
This score is based on two main factors – cost and flexibility.
Cost is calculated by looking at the interest rates and fees over the first five years of the loan.
Flexibility is based on whether a loan offers features such as an offset account, redraw facility and extra repayments.
Real Time RatingsTM also includes the following assumptions:
- Costs are calculated on the current variable rate however they could change in the future.
- Loans are assumed to be principal and interest
- Fixed-rate loans with terms greater than five years are still assessed on a five-year basis, so 10-year fixed loans are assessed as being only five years' long.
- Break costs are not included.
Mortgage Calculator, Repayment Type
Will you pay off the amount you borrowed + interest or just the interest for a period?
What fees are there when buying a house?
Buying a home comes with 'hidden fees' that should be factored in when considering how much the total cost of your new home will be. These can include stamp duty, title registration costs, building inspection fees, loan establishment fee, lenders mortgage insurance (LMI), legal fees and bank valuation costs.
Tip: you can calculate your stamp duty costs as well as LMI in Rate City mortgage repayments calculator
Some of these fees can be taken out of the mix, such as LMI, if you have a big enough deposit or by asking your lender to waive establishment fees for your loan. Even so, fees can run into the thousands of dollars on top of the purchase price.
Keep this in mind when deciding if you are ready to make the move in to the property market.
What is the flexibility score?
Today's home loans often try to lure borrowers with a range of flexible features, including offset accounts, redraw facilities, repayment frequency options, repayment holidays, split loan options and portability. Real Time Ratings™ weights each of these features based on popularity and gives loans a 'flexibility score' based on how much they cater to borrowers' needs over time. The aim is to give a higher score to loans which give borrowers more features and options.
How can I avoid mortgage insurance?
Lenders mortgage insurance (LMI) can be avoided by having a substantial deposit saved up before you apply for a loan, usually around 20 per cent or more (or a LVR of 80 per cent or less). This amount needs to be considered genuine savings by your lender so it has to have been in your account for three months rather than a lump sum that has just been deposited.
Some lenders may even require a six months saving history so the best way to ensure you don't end up paying LMI is to plan ahead for your home loan and save regularly.
Tip: You can use RateCity mortgage repayment calculator to calculate your LMI based on your borrowing profile
What is upfront fee?
An 'upfront' or 'application' fee is a one-off expense you are charged by your bank when you take out a loan. The average start-up fee is around $600 however there are over 1,000 loans on the market with none at all. If the loan you want does include an application fee, try and negotiate to have it waived. You'll be surprised what your bank agrees to when they want your business.
What is a cooling-off period?
Once a home loan's contracts are exchanged between the borrower and the lender, a five-day cooling-off period follows, during which the contracts may be cancelled if needed.
What is a standard variable rate (SVR)?
The standard variable rate (SVR) is the interest rate a lender applies to their standard home loan. It is a variable interest rate which is normally used as a benchmark from which they price their other variable rate home loan products.
A standard variable rate home loan typically includes most, if not all the features the lender has on offer, such as an offset account, but it often comes with a higher interest rate attached than their most 'basic' product on offer (usually referred to as their basic variable rate mortgage).
What is appraised value?
An estimation of a property's value before beginning the mortgage approval process. An appraiser (or valuer) is an expert who estimates the value of a property. The lender generally selects the appraiser or valuer before sanctioning the loan.
Mortgage Calculator, Interest Rate
The percentage of the loan amount you will be charged by your lender to borrow.
How much is the first home buyer's grant?
The first home buyer grant amount will vary depending on what state you're in and the value of the property that you are purchasing. In general, they start around $10,000 but it is advisable to check your eligibility for the grant as well as how much you are entitled to with your state or territory's revenue office.
How can I get a home loan with bad credit?
If you want to get a home loan with bad credit, you need to convince a lender that your problems are behind you and that you will, indeed, be able to repay a mortgage.
One step you might want to take is to visit a mortgage broker who specialises in bad credit home loans (also known as 'non-conforming home loans' or 'sub-prime home loans'). An experienced broker will know which lenders to approach, and how to plead your case with each of them.
Two points to bear in mind are:
- Many home loan lenders don't provide bad credit mortgages
- Each lender has its own policies, and therefore favours different things
If you'd prefer to directly approach the lender yourself, you're more likely to find success with smaller non-bank lenders that specialise in bad credit home loans (as opposed to bigger banks that prefer 'vanilla' mortgages). That's because these smaller lenders are more likely to treat you as a unique individual rather than judge you according to a one-size-fits-all policy.
Lenders try to minimise their risk, so if you want to get a home loan with bad credit, you need to do everything you can to convince lenders that you're safer than your credit history might suggest. If possible, provide paperwork that shows:
- You have a secure job
- You have a steady income
- You've been reducing your debts
- You've been increasing your savings


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The Cost of Recalls and Lost Goodwill
Economics 101
Manufacturers make a Point of not Killing their Customers because it's just Bad for Business
There have been some costly recalls in the news lately. From yoga pants that were see-through. To cars with faulty ignition switches that can turn the engine off while driving. Disabling the power steering and airbags. Resulting in the loss of life. These recalls have cost these companies a lot of trouble. Including financial losses from the recalls and lawsuits. Being called to testify before Congress. And possible criminal charges.
No surprise, really. As those who distrust corporations would say. For they believe they constantly put their customers at risk to maximize their profits. Even if it results in the death of their customers. Which is why we need a vigilant government to keep these corporations honest. So they can't sell shoddy and dangerous goods that can kill their unsuspecting customers. Which they will do if the government doesn't have strong regulatory powers to stop them. Or so says the left.
Of course, there is one problem with this line of thinking. Dead customers can't buy things. And when word spreads that a corporation is killing their customers people don't want to be their customers. Because they don't want to be killed. Manufacturers know this. And know the price they will pay if they kill their customers. So manufacturers make a point of not killing their customers. Because it's just bad for business.
The Longer it takes to Recall a Defective Product the Greater the Company's Losses
Manufacturing defects happen. Because nothing is perfect. And when they happen they are both costly and a public relations nightmare. As no manufacturer wants to lose money. And, worse, no manufacturer wants to lose the goodwill of their customers. Because it's not easy earning that back. Which is why executive management wants to acknowledge and resolve these defects as soon as possible. To limit their financial losses. And limit the loss of their customers' goodwill.
Let's illustrate this with some numbers. Let's assume a company manufactures 5 product lines ranging from low price to high price. The lowest priced product has the greatest unit sales. And the lowest margin. The highest priced product has the fewest unit sales. And the highest margin. The other three items fall in between. Rising in price. And falling in margin. Summarized here.
So each product line produces a sales revenue, a cost of sales and a gross margin (sales revenue less cost of sales). Adding these departmentalized numbers together we can get total sales, cost of sales and gross margin. And subtract from that overhead, interest expense and income taxes. Summarized here.
So on approximately $5.8 million in sales this company earns $312,414. A net profit of 5.4%. Fictitiously, of course. Not too bad. That's when everything is working well. And they have nothing but satisfied customers. But that's not always the case. Sometimes manufacturing defects happen. Which can turn profits into losses quickly. And the longer it takes to address the defects the greater those losses can be.
Losing the Goodwill of your Customers will end up Costing More than any Product Recall
Let's say Product 3 suffers a manufacturing defect. By the time they identify the defect and halt production of the defective product they've produced 20% of the total of that product for the year. Which they must recall. Limiting their losses to 20% of the total of that product run. Which they will have to refund the sales revenue for. But they will have to eat the cost of sales for those defective units. And despite the company's quick response to the defective product and providing a full refund to all customers their goodwill suffers from the bad press of the recall. Summarized here.
Refunding customers for the 20% of the line that was defective reduced net profits from 5.4% to 0.7%. And when they lose some customers to their defect-free competition they lose some customer goodwill. Resulting in a 15% drop in sales. Leaving manufactured product unsold that they have to sell with steep discounting. Bringing their sales revenue further down while their cost of sales remains the same. Turning that 0.7% annual profit into a 2.8% loss. But as time passes they recover the lost goodwill of their customers. Limiting these losses in this one year. Now let's look at what would probably happen if the company had a 'screw you' attitude to their customers. Like many on the left fervently believe. Summarized here.
The company did not recall any of the defective products. As word spread that this company was selling a defective product sales of that product soon fell to nothing after selling about 50% of the annual production run. The other half sits unsold. Even steep discounting won't sell a defective product. And seeing how they screwed their customers on the defective products sales fall on their other products (in this example by 30%). As they don't want to suffer the same fate as those other customers. So what would have been only a $159,929 loss with a recall becomes a $1,494,344 loss. Over nine times worse than what it could have been without a large loss of customer goodwill. And this is why executive management moves fast to identify and resolve defects. Because losing the goodwill of their customers will end up costing more than any product recall. As it can take years to earn a customer's trust again.
Tags: corporations, cost of sales, customer goodwill, customers, defects, discounting, goodwill, kill their customers, losses, manufacturers, manufacturing defect, margin, net profit, price, profit, recalls, revenue, sales, sales revenue

subset: commoncrawl


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It was thirty years ago this week that Gilles Villeneuve, a Québécois snowmobile racer turned Formula One's greatest maverick, lost his life at the 1982 Belgian Grand Prix. Given the demographics of the internet, this means that the vast majority of us only know him from short clips. But it doesn't take more than three minutes of footage to see how brave he was in a capricious turbo Ferrari, how incredible his sense of balance.
This video is from the 1981 Canadian Grand Prix, the last time Villeneuve raced on the Montréal circuit which now bears his name. Driving the incredibly unstable Ferrari 126C in the rain, Villeneuve had his front wing break off and obscure most of his vision. Sane people, at this point, would pit. Villeneuve, of course, didn't. He kept on driving for several laps until the wing sheared off. The Ferrari's aerodynamics were terrible enough that it remained driveable. Villeneuve finished third. What can you say? Salut Gilles.


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Video game publisher Electronic Arts might have the rights to make real Star Wars games, but Disney is still milking that social/mobile/free-to-play online cow. Today they officially announced Star Wars: Attack Squadrons, an online space game set in the iconic sci-fi universe.
To quote Disney: "Star Wars : Attack Squadrons is a free-to-play online space combat game where players customize iconic Star Wars ships and engage in high-velocity 16 player dogfights in fabled Star Wars locations."
You can sign up for the beta here. They're still using the LucasArts logo, which is very sad. RIP LucasArts.


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The common pesticide chlorpyrifos has been banned for indoor use since 2000, but its effects can still be found in the brains of young children now approaching puberty. A recent study used magnetic resonance imaging to reveal that children exposed to chlorpyrifos in the womb had changes in the brain that persisted throughout childhood.
Researchers examined the brain scans of 20 children exposed to higher levels of chlorpyrifos in their mother's blood (as measured by serum from the umbilical cord) and found that they looked markedly different compared with those of children exposed to lower levels of the chemical, says epidemiologist Virginia Rauh of the Mailman School of Public Health at Columbia University. Rauh led the research, which was published online in late April in the Proceedings of the National Academy of Sciences USA. "During brain development, some type of disturbance took place," she notes.
The six young boys and 14 little girls, whose mothers were exposed to chlorpyrifos when it was commonly used indoors in bug spray before the ban, ranged in age from seven to nearly 10. All came from Dominican or African-American families in the New York City region. Compared with 20 children from the same kinds of New York families who had relatively low levels of chlorpyrifos in umbilical cord blood, the 20 higher-dose kids had protuberances in some regions of the cerebral cortex and thinning in other regions.
Although the study did not map specific disorders tied to any of these brain changes, the regions affected are associated with functions such as attention, decision making, language, impulse control and working memory. The findings echo similar results from animal studies of the insecticide, which remains widely used in agriculture to kill crop-spoiling insects. The good news is that washing fruits and vegetables can rinse away lingering chlorpyrifos and mitigate much of the risk.


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They give birth astride a grave, the light gleams an instant, then it's night once more.
The last person to see and chronicle a supernova outburst in our galaxy was Johannes Kepler. That was in 1604, when the star now named after him rivaled Venus in brightness. By some measures we're overdue for another brilliant supernova, yet the next star to explode in our galaxy is more likely to be a visual pipsqueak compared to Kepler's Star. Yet even a dim supernova is unlikely to be overlooked; its birth will be trumpeted by physicists' subterranean particle detectors rather than by astronomers' telescopes.
Supernovae are stars that brighten by a dozen magnitudes or so and at their peak are some 10,000 times more luminous than ordinary novae. (The physical processes operating during these two explosions are completely different: supernovae blow themselves to smithereens; ordinary novae don't.) The enormous luminosity of supernovae at their brightest makes it possible to readily spot them in distant galaxies — for weeks they can match the light output from all the other stars in a hefty system like our own Milky Way. Indeed, the identification of supernovae as a unique phenomenon had to wait until the 1920s, when galaxies themselves were recognized as independent star systems.
"Behold, directly overhead, a certain strange star was suddenly seen, flashing its light with a radiant gleam.... Astonished and stupefied, I stood still.... When I had satisfied myself that no star of that kind had ever shone forth before...I began to doubt the faith of my own eyes.... Having confirmed that my vision was not deceiving me...and marveling that the sky had brought forth a certain new phenomenon to be compared with the other stars, I immediately got ready my instrument."
No supernova outburst has been studied in our Milky Way for nearly 400 years. Therefore, everything we know about the workings of these stars has come from observing them in other galaxies. At such immense distances even these celestial powerhouses are dim, and their secrets have to be teased from the paltry number of photons that strike our detectors. Furthermore, catching these critters in the act has been a matter of chance, even after systematic searches began in the 1930s. The idea is simple: look at enough galaxies and, sooner or later, you'll find a supernova.
Even so, these distant supernovae are detected days or weeks after their outbursts begin. What hasn't been observed are the earliest stages of a supernova's development. Particularly interesting, for example, will be observations to assess the chemical composition and physical state of the fastest-moving pieces of the star's blown-off atmosphere. Such information should provide insight about the end point in the evolution of a very massive star as well as clues about how heavy elements are injected into the interstellar medium.
Wonderfully detailed mathematical models of supernova explosions have been built on theorists' computers (see the diagram above, right). They tell us what to expect, but wouldn't it be nice to have a sanity check? This may now be possible thanks to a group of neutrino (symbol ν, the lowercase Greek letter "nu") observatories that can warn us when a star blows up in our cosmic backyard — the Milky Way and its nearby attendants in the Local Group — even before its light begins to turn on! Although this new tool is wielded by high-energy physicists, its impact will likely rest with amateur astronomers and other small-telescope users.
ν and You
When a really heavy star (eight or more times the mass of the Sun) runs out of gas, literally, its core collapses and a so-called Type II supernova is born. Within a second, its Earth-size core crumples into a ball — a neutron star or black hole — whose density is akin to that of an atomic nucleus (a million billion kilograms per cubic centimeter). As gravity forces electrons and protons to coalesce and form neutrons, a "gazillion" ghostlike neutrinos are instantly set free to roam the universe, perhaps for eternity. (Neutrinos are chargeless, possibly massless elementary particles.)
Just after the neutrinos begin to zing merrily through space at (or very near) the speed of light, the star's core stops collapsing. Then it rebounds, causing a shock wave to travel out toward the star's surface, which doesn't have a clue about the oncoming disaster (S&T: August 1995, page 30). If the overweight star is a red supergiant (like Betelgeuse) with a hydrogen-rich envelope, nearly a day will elapse between the collapse-induced neutrino emission and the beginning of the supernova light show.
Except for SN 1987A in the Large Magellanic Cloud, no star has been observed before it blew up. As bad luck would have it, SN 1987A's progenitor (called Sanduleak –69°202) was an oddball for a Type II supernova; it was a blue (not red) supergiant and relatively lightweight (six solar masses instead of eight or more). We will probably not see another one like it "for centuries," says Stanford Woosley (University of California, Santa Cruz).
Yet SN 1987A will be remembered for producing the first supernova-spawned neutrino burst detected on Earth, though the event was recognized only after the supernova was seen shining in the sky. Now, more than a decade later, we are armed with hindsight as well as with better and more abundant neutrino detectors. Some even have cute names like Super-K, SNO, MACRO, and AMANDA.
Let's Go Get 'Em!
Before neutrinos arrive and sign the physicists' guest book, no one can predict where the next supernova will occur — except that it will likely be within the Milky Way's glowing band or enfolded by one of our neighboring galaxies. We also don't know when the first glimmer of light will appear; if there's lots of interstellar smog in the way, days or even weeks could pass before the star brightens enough to punch through.
The delay between the neutrino emission and the rebounding shock's breakout through the star's photosphere should provide ample time to mobilize the world community of amateur astronomers and other users of small telescopes. And here's a new, exciting twist: if enough neutrinos are collected by enough observatories, we should know not only that a new star will arise but roughly where in the sky we should look for it!
To find the supernova as quickly as possible, a dedicated corps of searchers is needed around the world. To guarantee complete sky coverage, given the vagaries of season and weather, it's vital that hundreds, even thousands, of observers participate. There are no qualifications — except patience! This effort is truly universal. If the dice roll just right, some naked-eye observer in Mongolia might spot the supernova first, while high-tech amateurs in Europe sip Cinzano and wait for darkness.
To quickly tell amateurs and other small-telescope users about the nearby supernova that will surely happen someday, efficient communication is essential. Thus, when simultaneous detections at the neutrino observatories reach a predetermined level, the SuperNova Neutrino Early Warning System (SNEWS) will send its best-guess position of the supernova to AstroAlert, a network established by Sky & Telescope and several partner organizations. AstroAlert will echo that message to all who have registered with the service. The small-telescope community will then swing into action and send observations of any supernova candidate back via a standardized form.
So What Are We Looking For?
It's impossible to predict how bright the next nearby supernova will be or how long we will have to wait for it to pop off. But we can get a feel for the answers by looking at the questions in several different ways.
As a starting point, we can create a list, largely from Oriental and Arabic records, of supernovae that have been seen during the last two millenniums.
|Visual Milky Way Supernovae (A.D. 1–1999)
|This table was compiled from a variety of sources but mainly David H. Clark and F. Richard Stephenson's book The Historical Supernovae (1977) and an article by Richard G. Strom in Astronomy and Astrophysics (Vol. 288, pages L1-4, 1994). Experts still argue over whether some of the entries represent true supernovae; the five that are boldfaced seem "gold plated." The "b" and "l" quantities are the stars' galactic latitudes and longitudes; b = 0° indicates a star exactly in the plane of the Milky Way. A kiloparsec (kpc) equals 3,260 light-years. Color was in the eye of the beholder.
Two nearby supernovae that should have shone brightly but apparently didn't are omitted from the preceding list. SN 1680?, also called Cassiopeia A, is one of the strongest radio sources in the sky and was probably glimpsed by John Flamsteed at 6th magnitude. As shown in the images below, extensive dimming of its light by interstellar gas seems very unlikely. However, according to Thomas Dame (Harvard-Smithsonian Center for Astrophysics), one "can't rule out the possibility that the supernova went off behind a very small, very dense clump of gas."
The recently discovered X-ray remnant of SN 1320± lies at a distance of only about 650 light-years, making it the closest known supernova to Earth; its light could have equaled that of the full Moon! So why wasn't it seen? Again, extinction by interstellar gas and dust is "extremely unlikely," says Dame. Perhaps both SN 1320± and SN 1680? mark a hitherto unknown class of supernovae that are optical duds (S&T: April 1999, page 22).
All the entries in the list predate the invention of the telescope: seven conspicuous naked-eye supernovae in 1,400 years, or one every couple of centuries, on average. So why haven't we had another in 400 years? Whether because of bad statistics or bad luck, it seems we're overdue by a factor of two.
Determining how often supernovae explode in our Milky Way is fraught with uncertainties, the estimate being confounded particularly by the gas and dust that pervade the galactic plane. The rate can be judged in many ways, but all involve surrogate evidence or initial assumptions that are subject to observational bias. These methods include our galaxy's inventory of heavyweight stars (which blow up 10 million years or so after being born); the number of pulsars (spinning neutron stars, the progeny of supernovae); counts of expanding, wreathlike supernova remnants; and the determination of supernova rates in galaxies kindred to our own.
The Milky Way's supernova rate was estimated in 1994 by Richard G. Strom (Netherlands Foundation for Research in Astronomy). By comparing supernovae observed over the past two millenniums with supernova remnants of comparable age, he concludes that a star blows up near the Sun (within 5 kiloparsecs [kpc] or 16,000 light-years) every 175 years, on average. By extrapolating this rate to the whole galaxy, Strom predicts a supernova every 20 years or so.
On the other hand, a team from the University of Western Australia published a paper in 1999 that joins evidence from extragalactic sightings, stars in our galaxy, and the historical record of supernova explosions within 4 to 5 kpc (13,000 to 16,000 light-years) of the Sun. According to coinvestigator Ronald Burman, "One cannot reliably extrapolate from the rate of historical supernovae to obtain a rate for the galaxy as a whole, since we appear to live in a region of the galaxy with an enhanced event rate." Such would be the case if we were located adjacent to active star-forming regions, where supernova progenitors are most likely to be born. The bad news is that this team finds the most likely rate for Milky Way supernovae to be only about two per century. The good news is that the vast bulk of these dying stars will spit out neutrinos.
So how bright might the next Milky Way supernova be? In 1975 Sidney van den Bergh (now at Dominion Astrophysical Observatory) made a careful estimate. In preparing this article, I did my own calculation, using somewhat different rules, and got similar answers. So I combined both results in the following table.
Apparent Brightnesses of
Milky Way Supernovae
|• 10% will peak brighter than magnitude –3
|• 20% will peak between magnitudes –3 and +2
|• 20% will peak between magnitudes +2 and +6
|• 20% will peak between magnitudes +6 and +11
|• 30% will peak fainter than magnitude +11
If this distribution is accurate, it implies that pretelescopic observers logged only a third of the supernovae that exploded in our galaxy. Historians have pointed out that a new star had to be really bright, perhaps exceeding magnitude +1.5, to stand a good chance of being noticed by ancient astronomers.
The fact that no galactic supernova has been recognized on 20th-century sky-patrol photographs seems to confirm the robustness of the table. Combined with the best-guess frequency of supernovae, it suggests that only three or four supernovae would have brightened enough to be recorded on patrol plates. And even if a maverick image had been spotted, it would likely have been dismissed as a "Kodak comet" or other defect.
Maybe those plates are worth checking again by someone armed with modern radio, X-ray, and other ledgers of supernova suspects. As van den Bergh wrote: "Very red 'novae' that exhibit a relatively slow rate of brightness decline are prime supernova suspects."
What's the chance that a supernova will jolt the neutrino detectors in the coming year? Odds of about 1 in 30 would probably satisfy Las Vegas bookmakers. The chance that the stellar fireworks will actually be seen drops to about 1 in 70, in my opinion. So, if you want instant gratification, you had better look elsewhere. But what intrigues me is that a champagne cork could pop tomorrow!
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Winter's here and even pipes in traditionally warmer climates, like Arizona's, are freezing. An easy fix? Saltwater.
While a space heater, a hairdryer, or any heating mechanism can generally do the trick, if you don't have any of those things to help you out you can simply pour saltwater down the drain to thaw your frozen pipes. Well, maybe not that simple. First you have to boil about a gallon of water and start pouring in salt until it no longer dissolves. Once you're finished, toss your hot and salty water down the drain to help thaw out those pipes.
How to Thaw Frozen Pipes | eHow via the Consumerist
You can contact Adam Dachis, the author of this post, at email@example.com. You can also follow him on Twitter and Facebook.


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Time again to take a look around the EMR and healthcare IT twittersphere at some of the best tweets. We've got some really interesting tweets to consider along with a tweet that includes a video of the real Patch Adams (many I love that movie) in his element. If I ever get a chance to meet Patch Adams, I'm going to jump at the chance. I'm certain that he's endless entertainment.
Also, you can check out the Around Healthcare Scene post on EMR and EHR.
Now on to the EMR and Healthcare IT tweets:
#Hospital Mergers Could Lead to Challenges With #EHRs, Data Migration – bit.ly/LL5bMO #ptsafety #EMR
— B-L Pellicore (@BLPellicore) June 18, 2012
I've talked quite a bit about the challenge of EHR mergers. I've definitely not talked about the challenge to EHR when hospitals merge. I can see this being a great future topic for Hospital EMR and EHR. There are a lot of intricacies involved in the subject and will be a very important topic as EHR becomes more widely adopted.
Off-the-shelf smartphones meet few HIPAA, MU security requirementsmobihealthnews buff.ly/MPmN8c what to do about it#mhealth #hitsm
— gary levin (@glevin1) June 17, 2012
This is an interesting tweet. I guess my challenge with the idea is that I bet off-the-shelf laptops and desktop computers meet few HIPAA, meaningful use requirements either. The important difference is that more can be done on a desktop to secure it than most smart phones. Although, I think this will continue to change over time.
On this topic, I've seen more and more people making the argument that a virtual environment is the key to good security on a smartphone. This is a good way to secure a smartphone, but it also is a good way to kill the usability of a smartphone. I'm still not sure exactly how we're going to bridge the divide.
RT @motorcycle_guy: T2: Interop is happening now in HealthIT, it just takes a bit of time for the growth to be visible. #HITsm
— Melody Smith Jones (@MelSmithJones) June 15, 2012
I'd love to see and hear of examples of this happening. I'd be happy to do my part in providing more visibility if I just knew where interoperable health IT was happening.
How Patch Adams Uses Medical Technology in Clinical PracticeDo we need Stimulus Funding or Obama C youtube.com/watch?v=LZ21o8… #hitsm#hcsm #medsm
— gary levin (@glevin1) June 10, 2012
This video is outrageous, hilarious and fantastic. I'm not sure what the medical world thinks of Patch Adams, but I welcome fresh takes. No doubt Patch Adams is a unique individual that's not afraid to stretch the cultural norms.


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Music for Gracious Living Throwback Special (aka Budget Rock Showcase Fill-In)
October 22, 2012 06:10PM
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*everybody eats when they come to my house-cab calloway
*you'd be so nice to come home to-johnny desmond
*the clown song-the electric company cast
*what do you want to make those eyes at me for?-marie adams
*hello ma baby-ace o'donnell
*yes! we have no bananas-anthony newley
*anything to say you're mine-etta james
*send for me-the mayfair all-star orchestra
*the flying saucer part 1-buchanan and goodman
*the flying saucer part 2-buchanan and goodman
*black mountain rag-roy horton & his string band featuring slim coxx
*well i done got over it-guitar slim
*mairzy doats-spike jones
*pineapple princess-annette funicello
*freckle song-li'l wally and the harmony boys
*tweedlee dee-lavern baker
*banana split for my baby-louis prima
*the big heist-henry mancini
*a lovelier you in 8 days: summary-patricia stevens finishing schools
*jimmy play a horn-stacy henry
*kandirali ciftetelli-ozel turkbas
*i want a tall skinny papa-sister rosetta tharpe
*double dip-big luke sykes and his orchestra
*it's all in the game-louis armstrong
*grown up baby-chevrolet sings of safe driving and you
*alice blue gown-duke ellington
*let's have another cup of coffee and let's have another piece of pie-the hollywood sound stage chorus
*rocking chair blues-bessie smith
*(rag mop) rat fink-allan sherman
*sweet sue, just you-bunny maddox and his old-time charleston band
*arthur, you should smile more-the arthur murray orchestra
*dial that telephone part 1-effie smith
*dial that telephone part 2-effie smith
*what is this thing called love-the bill gannon 3
*can't get out of this mood-nina simone
*bali ha'i-rosemary clooney & perez prado
*if i had a girl like you-frankie froba and his boys
*gonna tell your mother-jimmy mccracklin
*shein vi de levone-connie francis
*ain't she sweet-les elgart & his orchestra
*you're an old smoothie-paul whiteman & his orchestra feat. ramona davies
*chewin' gum-ella fitzgerald
*my gal sal-the ted mazio percussion group
*lover man-sarah vaughan
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This is not a love story. But, if you want to find...
This is Crazy, but I'm in the Bayverse!567566
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This is Crazy: Book 1. I have seen all three movies, Transformers movies. A Transformer, in the fandom of Transfans, means gigantic alien machines that can scan vehicles and become them, hence, becoming Robots in Disguise. They are not the powerboxes that you see on the poles. They have sparks, which generate their personality and life being extremely vital to living itself. And then there's the Allspark, the cube. I have seen the first movie several times directed by Micheal Bay, the worst director ever. Why? I'll get to that, as soon as this Dark of The Moon is about to end.
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THE SQL Server Blog Spot on the Web
There's a lot of talk at the moment that Amazon is forcing self-publishers to use its own publishing centers in order to stay listed with the powerhouse Internet sales site. For example, this blog post Has Amazon Gone Mad by Rick Jelliffe rather aptly describes the situation. The Writer's Weekly first broke the story here, but it's now been taken up by major media such as the Wall Street Journal. Blogger M. David Peterson points out that there are alternatives - simply print enough copies ahead of time and ship them to the Amazon printing centers.
This certainly isn't the death knell of publishing. But it is a telling sign. When I first started writing books, an author could reasonably expect to sell the first printing of their book, probably about 5000 books. This was usually enough sales to cover the advance that the publisher paid them and maybe a bit extra to cover a celebratory round of beers with his/her buddies. If the book was good and the the stars were in proper alignment, the author would be lucky to get addition printings of their book out the door and actually make a little money on the project. Nowadays, it seems like the first printing of a new title is only around 3000 and fewer books seem to be ascending to the level of "strong seller".
Of course, there is always a place for titles like Word 2007 for Dummies. Those sort of everygreen titles will always sell. But it appears that the more niche your content is, the worse it will do as a book. The obvious reason for this is the Internet. Why would someone spend $40 for a book on SQL Server query tuning (as an example, I'm not knocking any specific book), when you could simply subscribe to the RSS feeds at sites like SQLblog, SQLMag, or SQL-Server-Performance and get nearly as much content? For that matter, the power of a good Google search (and not Windows Live Search, imo) enables you to pull valuable content from all three of these sites in short order. Not only is your search more taylored to your specific needs, it's also more likely to be up-to-date with the latest versions, service packs, and nuances.
Authors like me are also concerned because the immediate alternative that comes to mind is writing and publishing an e-book. However, e-books seem to hold even less promise no than in years past. At least when you buy a book, you have a physical object that you own. You can take it on a plane and read it during that "turn off all electronic devices" stage of the flight. You can take it to the bathroom. You can share it with your team mates at work (hopefully, not right after taking it to the bathroom). E-books, though, have all the limitations of a book with none of the advantages of the internet.
I believe that as the hard-print media (book publishers, magazine publishers, newsletters, journals, and newspapers) continue to see shrinking audiences, the key to survival is tapping in to blogging and expert opinion. For example, the New York Times is doing extremely well with their Freakonomics blog, based upon the eponymous book (and a personal favorite of mine).
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I think at some point, the community will have to lift itself above the "Learn XX in 24 hours" books. Those books are pretty easily supplanted by information found freely on the web (as you mentioned).
What seems to be missing to me are more of the top-end works aimed at upper mid to senior level people. The guys that have the product memorized, but still have a big gap between what they know and the theory behind it. I've found in my studies, that every inch I close between my understanding and the theory behind it makes me a much better developer (I make much better decisions, and my gut instincts seem to work better). It's definitely not for the beginner though.
That being said, I now look at the age of the book as a key indicator for its value. If the book is less than 3 years old, it's either unproven stuff or only good for the current point release of the product it was written about.
Realizing the high-end books sell far fewer copies at release (due to the jr/mid/sr mix of the market), but that the lifetime of the book is much greater (years instead of months), I've wondered if we would ever start seeing a shift. It's often hard to find the high-end stuff, even in the blogosphere.
Or at least that's my conspiracy theory.. :-)
The internet and the blogosphere in particular are certainly doing a number on the book publishing industry. .Net Rocks interviewed Don Box last year and they talked about this. I highly recommend you give it a listen:
The music industry is also being devastated:
(h/t gigaom)
These are definitely times of change. No idea what's on the other end of the rabbit hole.
Take some of these books I bought recently.
Understanding the Linux Kernel (3rd Edition)
You're not going to find a concise, digested and study capable equivalent anywhere on the net.
Automating Unix and Linux Administration
Where on the net will you find focused and structured content like this?
Linux iptables pocket reference
For when you can't get the net, when you're stuck in some awkward spot trying to find a quick solution or quick answer. Pocket references of any type can be damn handy.
Classic Shell Scripting
Really a different perspective on automation administration, and the same comment applies here.
In summary, I seem to be paying the author to sift, test and organise information on my behalf. Sure, everything in these books is freely available on the net, but at what cost in time to locate? Wade through all those Google pages that are written in half English, with half described problems and variously suggested solutions. It takes a lot of time to wade through those.
So, for the sake of a few bucks, I buy good books that contain ordered, sifted, tested and focused information.
So for me at least, I think the Internet isn't going to kill the publishing industry just yet.
Another book I bought, though it was for my Dad, was "The Devils Dictionary" by Ambrose Bierce. He doesn't get the daily anecdote from the ubiquitous 'fortune' program like I do, so this sort of purchase doesn't seem to be in danger either. And that is one hell of a funny book. In small doses :-)
Hi Ian,
People will always produce great works regardless of profit incentive.
check out this story for an interesting read:
...however, the INDUSTRY of book publishing is heading into "a world of pain" to quote Walter Sobchak.
You simply can't lose THAT many customers and still be the same thing after the loss. Yes, people will always write good books for a lot of reasons: pride, resume, altruism, good will. Very few people will have the same chance they had before the internet to have one of those reasons be a profit incentive.
Ian, I used to do a lot of support work in the ASP space. Do you know how many people would spend two weeks building an upload or mail control on their own, including waiting time for us to help them with syntax, rather than shell out $99 on a pre-built control with all (or more than) the functionality they needed, documentation, support, an existing user base, etc.?
People are cheap, and often do not consider their own time (never mind the time of people like me, helping them for free) as having monetary value.
These are the types of customers that used to buy books, but now don't have to. Do I still buy books? Absolutely, for the reasons that you mention (and others). But are you and I enough to keep all technical publishers alive? Doubtful.
Evan says:
>I've found in my studies, that every inch I close between my >understanding and the theory behind it makes me a much better >developer
Have you considered that whatever is behind a lot of stuff you do is
pretty thin! :)
Aarons insight:
>Do you know how many people would spend two weeks building an upload >or mail control on their own, including waiting time for us to help >them with syntax, rather than shell out $99 on a pre-built control >with all (or more than) the functionality they needed, documentation, >support, an existing user base, etc.? People are cheap...
True, but they're encouraged to do so! :( :)


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This discussion highlights the best practices and experiences of different countries in engaging and maximizing the contributions that diasporas can and do make to the development of their country of origin, and more broadly the experience of policymakers in both sending and receiving countries and the related challenges and opportunities they face.
This discussion includes a status of preparation of the 2012 GFMD summit, including a discussion on the possible ideas and projects presently being contemplated that would fully integrate migration into the development framework, with a special focus on Africa.
The launch of the Diaspora handbook and a joint panel discussion that explored the opportunities and challenges that governments face when developing strategies to engage diaspora populations.


text:
December 7, 2012
Rebuilding Haiti
Dec. 6 – Port-au-Prince, Haiti – This past July five Nissan employees did something that would change their lives forever. They submitted an essay during an intracompany contest for a chance to help build 100 homes in Léogâne, Haiti, with Habitat for Humanity International. Their entries stood out, and soon they joined more than 600 international volunteers on a Habitat experience.
"You never have experienced poverty on a scale like this," said Joseph Flowers, one of the five Nissan employees chosen to represent the company at the 2012 Jimmy & Rosalynn Carter Work Project from Nov. 23 to Dec. 1.
"You still see some of the rubble piled up on the side of the road. You still see blue tarps everywhere. And that is our main goal here, to get those people out from under those blue tarps and into a decent house."
Flowers, who is employed by Nissan at its Canton Manufacturing and Assembly Plant in Miss., was joined by colleagues Norma Estrada, Nissan Motor Acceptance Corp., Dallas, Texas; Brian Lambert, Smyrna Manufacturing and Assembly Plant, Tenn.; François Lefèvre, Dealer Operations, Toronto, Canada; and Ann Ngo, Nissan Design, San Diego, Calif.
These five volunteers were selected by submitting entries to the "BUiLD" campaign announced by Habitat in May 2012.
BUiLD is a U.S. marketing effort that highlights the long-term positive outcomes of Habitat's work – that a house is only the beginning of a life-changing experience for both volunteers and Habitat partner families.
A selection committee consisting of representatives from Nissan and Habitat chose the Nissan winners.
"The reason why I'm here is my son. He really inspired me to build and do an essay for Nissan," said Lefèvre.
"Looking at him, and then looking at three-year-old-kids here, the same age as my son, just playing with a rusted can, that really put things into perspective. He's my pure motivation to be here and I think about him every day."
Part of Nissan Americas' $1.5 million donation to Habitat this year also will support community sustainability "summits" for the organization's affiliates. Over the past seven years, Nissan has provided $8 million to Habitat for Humanity International to build homes throughout North America.


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Andrew Mattox on the Snake River. As packrafters run whitewater more routinely, safety gear and techniques are ever more important.
To learn more about packrafting at Backpacking Light, visit backpackinglight.com/packrafting, or take a wilderness course in packrafting at backpackinglight.com/school.
Part 1 – Packrafting Safety:
- Exercise good judgment
- Know your group
- Know the river
- Carry the proper equipment.
A packraft is an inflatable raft that is light and small enough to carry in a backpack. It is most often used by backpackers as a tool to help them cross terrain that includes rivers. The two types of lightweight packrafts available today are the Sevylor Trail Boat and the Alpacka packraft. The Trail Boat is lighter and much cheaper than Alpacka packrafts, but also significantly less sturdy.
Packrafting in some form or another has been around for decades, with backpackers using rafts to cross and float less technical (usually class II and below) rivers to complete loops and traverses. As the sport has grown, backpackers have set their sights on routes that include more whitewater. In some cases river running is as much or more the focus of the trip as backpacking. Sheri Tingey, Alpacka designer, has responded to the sports' direction by refining boat design over the past seven years so that Alpacka rafts are now capable whitewater craft.
Packrafters usually have a background in backpacking or climbing, with little river running experience and often without a true understanding of the power of moving water. In the past, they have rarely carried safety gear and lacked river rescue skills. That needs to change both for the survival of packrafters and the emergence of the sport as a respected option in the boating community. The necessity of carrying safety gear and having the skills to go along is now coming sharply into focus. In 2007, veteran packrafter Roman Dial worked with Rescue 3 International instructor, Scott Solle to bring an internationally recognized course in whitewater safety to packrafters in Alaska. Another expert packrafter, Forrest McCarthy, brought Scott to Jackson, Wyoming to teach the first packraft safety course in the lower forty-eight.
A dozen packrafters gathered in Jackson Hole, Wyoming in April 2008 for a Whitewater Rescue Technician class. They came from Alaska, New Mexico, Utah, Arizona, Wyoming, Washington, Colorado and Idaho. Seven were experts with over five years of packrafting under their belts while the remaining five were relative newcomers, with two of these never having packrafted at all.
I attended the course and took advantage of the packrafting experience represented there to compile tips on safety, gear, rescue stories, and a list of the most common mistakes.
Part 1 – Packrafting Safety:
- Exercise good judgment
- Know your group
- Know the river
- Carry the proper equipment.
Part 2 – Packrafting Safety: Have mad skills.
Part 3 – Packrafting Safety: Common and dangerous mistakes.


text: One Piano Four Hands-Debussy 'Petite Suite' arranged for one piano four hands. Edited by Weekley and Arganbright. A French composer of piano music opera cantatas ballets and orchestral and chamber works. His most notable pieces are 'Prélude l'après-midi d'un faune (Prelude to the Afternoon of a Faun)' (1894) and 'Nocturnes' (1899). Inspired often by pictorial subjects (Monet's water impressions became 'reflections in the water' for piano) and by the elusive and unnameable in nature (footsteps in the snow still leaves and the hypnotic overwhelming sensations of his rare visits to the French coastline) Debussy's music develops chords melodies and orchestration that are connected moreby a single surreal observation than by an overriding logic. For example one note is similar to another in a distantly related enharmonic chord but this brief tie is enough to follow or a single gesture will soon evolve spreading outward in all directions until a whole orchestral piece is made from a single falling line ('Afternoon of a Faun'; 'Jeux'). Not bad for a kid born over his parents' china shop who loved Lassus and Palestrina as much as ragtime and Javanese music. Blue Gene Tyranny


text:
Left and Right come together on eve of holiday
Whoda thunk it? On this, the day before Christmas, two progressive ideas have found an embrace in the arms of leaders popular with both the left and the right. Today, Vice President Joe Biden remarked that gay marriage would eventually find favor with most Americans. Perhaps more surprisingly, on December 16, televangelist Pat Robertson, who has taken a more conservative approach on social issues, slammed the American tendency to criminalize marijuana. No word yet on what Biden thinks of decriminalizing pot, but it's safe to conclude that Robertson isn't ready to endorse gay marriage. Surprisingly, the Bible itself–- as Newsweek reported last year–- actually seems open to the concept.
4 comments
Just a couple of clowns, who cares what they think?
I'm sorry, to YOU TWO,
forgot to read my post! "A reader might not KNOW...."
it's not.
Hawe's, your headline and story, well -intentioned as they may have been, served for me only to accentuate the dismal turn of events this last week.
The "action" in congress, ( never again will I have the strength to capitalize it,) was not a "ray of hope-" so to speak, but another obscene sign,( or "death-throes",...ring any bell with THAT?,) of our beloved Republic's passing. It's futile.
It occurs to me only here that a reader, ( ,) might not what end of the pol. spectrum I come from; and of course only someone from an "end" would be contributing here at this time,
I'm a Democrat, meaning that from here on in I'll likely always vote for the Democrat. It used to mean something very different to me, but there are too many generations of completely unread and degenerate Americans, suffering with familial cerebral atherosclerosis, to engage in that model of citizenry.
Merry X, Hawes, you cruel- jokester.


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Book – Anyone who's been regretting a shortage of great sci-fi movies lately can find consolation in the Expanse series by James S.A. Corey (the pseudonym for the duo of Daniel Abraham and Ty Franck). In the first volume, Leviathan Wakes, we're introduced to the solar system as it will be. Earth is an aging power, Mars a powerful colony, and the Belt – the thinly-populated region of outer space that's developed its own language, culture, and phenotype – well, the Belt just wants to be left alone. Tensions are high anyway, but they only get worse when Jim Holden of the late ice miner Canterbury accuses Mars of destroying his ship. Holden's wrong, though. It wasn't Mars. It was someone else – someone covering up a secret that no one would have guessed.
Corey is terrific at making books out of nothing but awesome things. If you're in the market for space battles, unnameable horrors, down-on-their-luck cops, and the unstoppable force of a dedicated optimist meeting the immovable object of human politics, Leviathan Wakes is the book for you – and if you like this, there are two more books already available and three more in the works.


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We are a musical instrument company based in Mansfield, Nottingham, with over 200 pianos to choose from and we are pleased to offer our Yamaha U2 upright piano. To view our entire piano selection please click this LINK.
This is our Yamaha U2 upright piano made in 1967 according to its serial number 594862. It is finished in a black polyester case, plays and sounds really nice and is in good all round condition. The third pedal is a practice pedal, ideal for playing at night or with close proximity neighbors.
Yamaha are based out of Japan and are highly regarded as one of the best value for money manufacturers in the world. Yamaha pianos are regularly found on concert stages and recording studios worldwide. If you would like to find out more information on this Yamaha piano, or any of our other 200 pianos, please give us a call on 01623 657 301 or Google "Yamaha" to find out the full company history.
If you would like to find out more about this piano or any of our other upright pianos please call us on 01623 657 301 to discuss.
Height: 4 foot 2 inches
Width: 4 foot 11 inches
Keyboard: 88 Note
Sherwood Phoenix can arrange piano deliveries anywhere in the UK and throughout the world. Prices do vary and it is recommended to discuss the price of the delivery with one of our piano logistics team on 01623 657 301.
To view all our other upright pianos, please click HERE or give us a call to discuss your requirements over the phone.
Thanks again for visiting Sherwood Phoenix and we hope your upright or grand piano hunt ends here.
|Guitar Brand
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We are here to help you. Our services are voluntary. We will not force you to move or do anything against your own will. We are here to help you live in a safe and healthy environment and receive the services you need. Please contact our office if you need help or have any questions. 907-269-3666.
File a REPORT of HARM or ask for help
Follow this link for information on the Adult Protective Services Program
Follow this link for information on new laws passed in spring 2012 to strengthen protective agencies.
Below are examples of things to report: (Follow link to Indicators)
Who are mandated reporters required to make a Report of Harm?
What must be reported to Adult Protective Services?
To Whom Should Reports be Made?
How is Confidentiality Protected?
Is there Immunity from Liability?
Follow this link to find Partner Agencies
Follow this link to find information on General Relief Assistance


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From Brick & Mortar To E-Commerce, From Fashion To Supermarkets.
The retail industry is undergoing a rapid transformation toward an Omnichannel approach, i.e. a combination of physical locations, e-commerce and mobile apps.
On the one hand, brick and mortar stores are trying to survive the whirlwind of changes brought about by the digital transformation. On the other hand, we have the seemingly unstoppable growht of e-commerce.
Interroll Offers Ideal Solutions To Optimize Your Material Flow.
Maximizing store space, optimizing inventory, personalized shopping experiences, efficient logistics, fast deliveries, and cost effective return processes are all key ingredients of a sound and profitable retail and e-commerce business.
Interroll offers smart solutions for intelligent conveying, sortation and storage of goods, as well as fast order picking. Simply put, Interroll is a true enabler of growth and optimization in the world of retails and e-commerce.
The largest companies in wholesale fashion distribution require fully integrated, automation systems and sorters to maximize the efficiency of their operations. Increasing numbers of returns, labor costs, the pressure to have fast inventory at hand due to the transition towards Omnichannel, are all factors leading to a need of easy and efficent automation solutions. Interroll offers dedicated solutions that are tailored to the specific needs of this industry, such as return handling stations or RFID-ready conveyors. We help fashion retailers improve the speed and accuracy of their operations whlist reducing running costs.
Interroll offers drives and conveyor systems for supermarkets and grocery stores around the world. Easy installation, outstanding robustness and a space-saving design are amongst the reasons why top brands like Walmart (USA), Metro (Germany), Edeka (Germany), Carrefour (France), COOP (many countries), Lidl (Germany), Aldi (Germany), and Tesco (UK) all trust Interroll's dedicated solutions for their checkout and cashier systems.
We Offer Solutions For:
- Fashion
- E-Commerce
- Supermarkets
- Brick & Mortar Stores
- Pharmaceutical
- Distribution Centers
- Returns Handling
Suitable Products:
- Drum Motors
- Sorters
- Rollers
- RollerDrive & MultiControl
- Modular Conveyor Platform
- Pallet Flow
- Carton Flow
- Spiral Lifts


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Nisaku Japanese stainless steel blades do not rust, chip or stain easily, making them ideal for moist and damp environments. This is due to the chromium content in the material. They also do not require any protective or non-stick coating, meaning there is less chance of contaminating food if used in the preparation of edibles. Stainless steel is also one of the most recyclable materials, which supports our mission to remain eco-friendly. But the biggest attraction to stainless steel tools is that they maintain their appearance for a very long time and do not require much maintenance or cause you to make repeat purchases every season due to rusting or dullness.
Why are stainless steel blades preferred for gardening, landscaping, home improvement, cooking and outdoor applications?Follow
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An up-and-coming hotel giving you a whole new standard of class, convenience and accessibility in Pasay City
Finding a good hotel in Manila often comes with the choice of whether to prioritise price, quality or accessibility. Will you go for a hotel that's far from the airport but minutes away from attractions? One that's affordable yet lacking in quality amenities? Or a place that's highly recommended for great overall services, however expensive and inaccessible? Thankfully, a new hotel by Megaworld has just graced the city, and it has exactly all the aspects that we wanted. It's no other than Savoy Hotel Manila.
When we were invited to the hotel for a sneak peek, we couldn't help but feel how lucky we were to be in such a classy place. Bright smiles from the staff, although still growing at the time, complemented the brightly coloured walls of the lobby. It was such a refreshing sight that we easily zoned out all our worries and just looked forward to our tour of this modern hotel in Pasay City.
When we got to one of The Runway rooms, we had a great view of Terminal 3 of the Ninoy Aquino International Airport. We also loved the space given to the accommodation as well as the chic writing desk which we think will prove to be useful for writers like us. There's also a swimming pool, fitness centre, cafe and several common lounges on different floors of the hotel.
If you're looking for a spacious, trendy Manila hotel near the airport, stay at Savoy Hotel Manila! Read our full Savoy Hotel Manila review to know more about this new hotel in Newport City, Pasay City.
Available in double and twin versions, The Essential gives most basic hotel rooms a run for their money with its creative use of a 21-27 sqm space. Enjoy utmost comfort in creatively arranged beds or relax in style on your window-side sitting area.
The Runway's highlight is its open view of the NAIA which is a real treat for certified travellers. Watch airplanes do their magic from your bed or couch while sipping coffee that you've personally prepared on your Nespresso machine.
Staying for business? The Space prepares you for whatever laptop work you may need while still in relax mode. Rather than be filled with unnecessary items, the 47 sqm room lets you let loose a bit. Just find the perfect corner to be productive, whether it's on your sitting area, working desk or even your bed.
Comfort and style won't be a problem at The Deck, the hotel's spacious and playful executive room. If not working on your own desk, chatting with a guest in your sitting area or brewing something in your mini bar, you can spend a sunny afternoon looking over the Metro Manila skyline outside your window.
Select your choice of Asian and Western dishes at Savoy Hotel Manila's main dining destination, Savoy Cafe. Open all day and night, the venue offers daily buffet breakfast as well as in-room dining services for total pampering. End your mealtime with a good sip of the cafe's signature drinks. Or, head over to Zabana Bar. More than the drinks, you'll also want to grab a few more bites here while loving the cosy ambience.
Savoy Hotel Manila is equipped with several function rooms to cater to your group business needs. They also have the proper amenities and services to help you be as productive as possible. For smaller setups, make use of the common lounges throughout the hotel. You'll find enough outlets as well as high-speed WiFi to help you stay connected with colleagues or loved ones. You can also use the modish sitting areas to chit chat with fellow guests.
With the hotel's stylish indoor pool, you'll look forward to having a good swim to start your day. Get just the right amount of sun through the glass windows and admire the potted greens around you. On your break time, order up a few drinks while chilling at the poolside. You'll also find a chance to let loose at the spa or fitness centre. Facing the airport, the gym features various equipment to help you keep a good figure no matter what.
The business venues of Savoy Hotel Manila are supplied with resources to help you get things done as efficiently as possible. The function rooms include a sound system, projector with screen, whiteboard, registration table and daily replenished writing materials. Plus, enjoy high-speed WiFi access! Doing business in the Connect Lounge won't feel a tad boring as its space is ingeniously designed for both business and leisure.
Besides the view of NAIA from The Runway rooms, Savoy Hotel Manila also offers easy access to and from the country's biggest air terminal. With Terminal 3 less than 500 metres away, you can opt to use the link bridge connecting it to Newport City!
Savoy Hotel Manila is located along Andrews Avenue inside Newport City, a leading residential and commercial centre owned by Megaworld Corporation, the same company behind the hotel. Guests flying into Manila via NAIA can easily make use of the airport link bridge to Newport City. From select points around Metro Manila, Megaworld offers daily shuttle bus transfers going to and leaving from the main terminal within the complex. The nearest train stations are the EDSA-Taft point of both the LRT 1 and MRT. Here, you can ride a cab for around 10 minutes to the hotel. If you want to avoid the hassle of commuting, you can arrange for an airport transfer offered by the hotel or hire a Grab transport.
The hotel is within a few metres away from major luxury shopping, dining and leisure destinations in the city. In fact, you can simply walk into Newport City Mall from the hotel. If you're looking for more options, make your way to one of the biggest malls in the Philippines, SM Mall of Asia. You can also explore the Cultural Center of the Philippines Complex just south of Manila Bay.
Experience the best of Manila by heading to Malate and Ermita, home to iconic national landmarks like the Luneta Park. There are also several food stops serving seafood, home-made dishes and street food. Plus, get amazing views of Manila Bay nearby! You'll even get a glimpse of the local urban life and meet other travellers in the more tourist-friendly corners of Malate.
To get a feel of the busy corporate and entertainment scene in the metropolitan, pay a visit to Makati City or Bonifacio Global City. Here, you'll find some of the liveliest nightclubs, as well as creative art installations and the trendiest malls! Whichever direction you choose, there is always something to look forward to.


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Does anyone process their beeswax into tubes for bowstring beeswax?
Would you share your recipe and do you pour it into push up tubes or twist up tubes?
I would like to use some of our cappings beeswax for the kids archery in the schools program and for several bow hunters in our area.


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The wildfires of October 2017 ravaged the hillsides and woods at Flatbed Farm in Glen Ellen. They also burned down the big barn that served as a marketplace. Now, nearly a year and a half later, the farm stand at 13450 Highway 12 is back with flowers, eggs, fruits, vegetables, pastries and more.
Almost everywhere in the North Bay, farm stands have bitten the dust. It's too much work to be in the fields planting and harvesting and also standing and selling. Flatbed has a commitment to the community, and the community has a commitment to Flatbed. Locals shop there and swap stories Saturdays from 10am to 2pm. Tourists stop on the way to and from Sugarloaf Ridge State Park. They also take a slight detour to and from the town of Sonoma. Along with locals, tourists enjoy the scones and the muffins made by chef Amie Pfeifer, and stock up on Meyer lemons and blood oranges when they're in season.
In spring and then all summer long, the fields at Flatbed crank out an amazing array of strawberries, tomatoes, radishes and microgreens that are cultivated in the greenhouse and which are great for salads and sandwiches, or to devour by the mouthful. At Flatbed, food is medicine and it tastes good, too. Pfeifer, who lives during the week in San Francisco, brings her culinary magic from the city to the country.
"When I'm in my kitchen cooking, which I love to do, I think about the regulars who come to Flatbed and whom I hold in my heart," she says. "They keep me going." Pfeifer herself is a joy and worth a trip to the farm that's risen from the ashes and reinvented itself. flatbedfarm.com.—J.R.
If you are wearing your podcast selection thin and have been searching for some comedic medicine to improve your mental health under the suffocating onslaught of perpetually distressing news, the 'Barrel Proof Comedy Podcast' is your ticket. Barrel Proof Comedy seamlessly blends cultural commentary and conversation between two longtime friends who toss in the random whiskey fact, giving you plenty of chuckles along with booze trivia that's sure to help you stand out from NPR-consuming nerds. Hosted by Casey Williams and Steve Ausburne, comedians and self-proclaimed whiskey connoisseurs, this is the podcast you've been hoping for while biding your time listening to The Daily or Fresh Air. A recent episode discussed Blackened whiskey, created by Metallica, which has its own handpicked playlist playing while it ages in the barrel. The theory is that the sound waves vibrate the whiskey and effect variations in the way it ages. Throughout the episodes, you can enjoy humorous if random digressions such as this one: "I had my first prostate exam the other day. Have you had that yet?" "Have I had a prostate exam? Yeah, I've been getting them every year since I was 16. You haven't seen Dr. Craigslist? Dr. Pokey Tickle?" We could all use some healing laughter in our lives—maybe alongside a snort of hooch. barrelproofcomedy.com.—A.M.
The North Bay is not without places to relax. You can see a play, have a nice meal, even take a day trip into S.F. But each of these activities involves our shared bane: money and traffic. Hmpf! . . . rent's too high . . . can't afford to go anywhere . . . even if I could, the highway's clogged! Sound familiar? But there is a place you can go, a place where the traffic to-and-from is fairly light. It doesn't cost a dime, and being there, you suddenly remember why you'll never want to leave the North Bay. Bodega Head, where Sonoma and Marin counties' pastoral magnificence meets the Pacific Ocean. Standing 15 stories above the crashing waves, you can't help but stop and admire the view, which, on a clear day, extends down Tomales Bay to the south and Jenner to the north. Bring your walking shoes for a stroll around the head, or simply unfold the lawn chair and relax with a million-dollar view.—T.B.
My late Aunt Mary struggled a lot with health stuff in her last few years, and one of the things I learned as her screw-up nephew caregiver is that there are good and kind home healthcare providers, and there are not-so-kind home healthcare providers. The former are, of course, preferred—but home healthcare worker is a tough job that requires the health professional to have some real bedside armor going in. Especially since the bedside isn't in a hospital but in the ailing person's home—their sanctuary, their space. People don't want to give up on that without a fight, generally. And they don't really love it when you come in poking around for a vein. Aunt Mary was a lot of fun, but she was also a pain in the neck—yelling at the nurses, lashing out at the doctors. Well, she was in a lot of pain, and chronic pain will make a mean person out of anyone. It takes a special sort of empath to deal with a person in those sorts of long-term health straits, and I definitely have my limits in that department—oh, how we bring the pain to those we love the most—as do lots of people who are fretting over a sick parent or a struggling brother who's a veteran minus a leg, or an elder entering the twilight of Alzheimer's. Here's where Dr. Lucy Andrews enters the picture. She's the owner and CEO of At Your Service Nursing & Home Care, this year's readers pick for Best Home Care Service. Going in, I'm going to trust someone implicitly to look after me or my sick relative if that person is like Andrews, the former chair of the Sonoma County Commission on Human Rights. Head to Yelp, and the At Your Service testimonials are all of a positive and uplifting vein. These are good people. Kind people. I'm sending their brochure to my eldest nephew this week, with a note. "Dear Nephew: If I don't end up going out as we've discussed, in the manner of Fredo Corleone, please hook me up with these folks when the time comes. Signed, your loving Uncle." 1221 Farmers Lane, Santa Rosa. 707.573.1003. ayshomecare.net. —T.G.
Plastic straws are a hot topic lately, as big businesses like Starbucks and McDonald's move to eliminate their use. Today, 8 million metric tons of plastic straws enter the ocean each year, equivalent to about a garbage truck full of plastic going into the ocean every day. Additionally, sipping liquid through plastic straws can cause unintended health effects, most notably chemicals from polypropylene seeping from the plastic into the liquid. Equally noteworthy, regular sipping through straws can cause wrinkles known as "pucker lines"—and if we can't appeal to your sense of vanity, than all hope truly is lost. As businesses across the country ban or switch to eco-friendly straws, Sonoma County also enters the fight against plastic-straw waste (and premature wrinkles). Sip It Sonoma, created by ZeroWaste Sonoma County, is a grassroots effort encouraging the businesses and citizens of Sonoma County to reduce straw usage. The campaign advocates for restaurants to give patrons a straw only on request or, even better, to transfer over to reusable/eco friendly straws. Many businesses—Perch+Plow, Monti's, Amy's Drive Thru and Duke's Sprited Cocktails, to name a few—have switched to compostable or reusable metal straws. If you're still unconvinced, just check out the Youtube video of a turtle getting a straw pulled out of his nose—it will be your last straw.—A.M.
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We've already reported that RIM will be partnering with 7digital for its content offerings, but the company has released more details about exactly what it will offer when the new BlackBerry 10 operating system goes live.
BlackBerry World, previously BlackBerry App World, will include an "extensive catalog of songs." Movies will be made available in the digital storefront the same day they are available elsewhere. And like iTunes and Amazon Video, individual episodes of TV series will also become available the day after they air on TV.
20th Century Fox, Lionsgate, MGM, Paramount PIctures, and The Walt Disney Studios are among the studios offering content on BlackBerry World. Users will also be able to download DRM-free music from a slew of major and independent record labels. Music downloads will be made available in 18 countries at launch, while video downloads and rentals will only be available in the US, UK, and Canada. The full list of both video and music partnerships can be seen in the official press release.
Will RIM gain back its market share with the overhaul? Or will it manage to at least hold on to those faithful customers with its content offerings? Be sure to join us as RIM makes its case on Wednesday, January 30, with the official reveal of the new BlackBerry 10 hardware and software


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What you need to know before you go
Denmark may be small in size, but it packs a meaty punch in terms of culture and history. It's no surprise that it's considered one of the happiest places on Earth, with its striking scenery, easy-to-navigate cities and wonderfully welcoming people. As the birthplace of Lego – one of the world's most popular toys – Denmark is a great place for a family vacation, but it's also popular for couples, who can enjoy the romantic atmosphere of the cobbled streets and waterfront in Copenhagen.
It's not always been such a peaceful place, but Danes are even proud of their Viking heritage and historic castles. There is a lot of history to see and explore, as well as a lot of beautiful nature. If you want to get off the beaten track, consider checking out some of the country's 72 inhabited islands or even the 371 uninhabited ones.
Top destinations in DenmarkWhere will you go next?
Copenhagen is both a land of sleepy canals, cobblestone streets, and colorful townhouses, and a cosmopolitan hub of design and dining. Lose yourself in an industrial-chic nightclub in Vesterbro's Meatpacking District. Shop for vintage duds on bustling Jægersborggade. Bike through Amager's sweeping forests. Whatever you're looking for, you can find it Copenhagen.
Copenhagen has more bicycles than people, and offers plenty of opportunities to relax in parks and cozy cafes after an afternoon's pedaling. The metro provides good transportation links, and the Kastrup airport is easily reachable from the center of this hip, vibrant, and breathtakingly modern city.Read more
Aarhus is set on the seaside in East Jutland, and with its elegant old town, it's a pleasure to stroll. Cycle tours are also a great way to see the compact city, and you can borrow a City Bike free of charge. Try taking a bike tour of the area's outstanding museums, including the ARoS art museum, and then pedal to Den Gamle By—the historic open air museum that houses buildings dating from the 16th century.
Aarhus also offers opportunities for reflection, and you can hike the Havreballe Skov forest or catch an opera at the ultra-modern Concert Hall Aarhus.Read more


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Bangkok, ThailandAndrew Mason
Bangkok is Thailand's bustling capital city. The city is commonly called Krungthep in Thai, whilst the full name; Krung Thep Mahanakhon Amon Rattanakosin Mahinthara Yuthaya Mahadilok Phop Noppharat Ratchathani Burirom Udomratchaniwet Mahasathan Amon Piman Awatan Sathit Sakkathattiya Witsanukam Prasit has earnt the city a place in The Guinness Book of Records. In English, the name translates as; The city of angels, the great city, the eternal jewel city, the impregnable city of God Indra, the grand capital of the world endowed with nine precious gems, the happy city, abounding in an enormous Royal Palace that resembles the heavenly abode where reigns the reincarnated god, a city given by Indra and built by Vishnukam.
Bangkok is perhaps one of the most spectacular capital cities in Southeast Asia, if not the world. There is no limit to what can be seen, done and experienced in this immense city of colourful contradictions where gentle traditional beliefs meet the fast pace of capitalism and everything is tempered by the uniquely Thai sense of style and priority.
Many first time visitors to Bangkok find it overwhelming as there is simply so much to see and do and every area offers a new and interesting aspect of this city, which somehow manages to be simultaneously vast and quite compact.
A great way to get to know the city is the take a ferry along the Chao Phraya River. The river stops at many different piers and there are a whole host of famous sites right on the river bank, which can be explored or simply viewed from the ferry. Look out for the Grand Palace, Wat Pho, and Wat Arun, whilst China Town and Khaosan Road are just a short walk from their piers.
The central pier connects with the Skytrain or BTS, and this is another great way to see the city. The Skytrain soars over Lumpini Park and stops at Siam, where you can find the large shiny shopping centres of MBK, Siam Paragon and The Discovery Center.
If you are interested in shopping, make sure you pay a visit to the famous Chatuchak Weekend Market, while the Night Bazaar at Sanam Luang is a great place to pick up a bargain whilst avoiding the heat of the day.
Bangkok is well known for its rich and varied nightlife, which covers just about every possible style and trend. For those interested in go-go bars head to areas such as Soi Cowboy, Nana Plaza or witness an eyebrow raising show in Patpong. There are plenty of stylish clubs, and the area known as RCA contains dozens of different clubs catering for every style of music. Along the banks of the
river you will find dozens of bars in which to enjoy a cold drink and look at the stars, while in Sukhumvit you will find a number of Western-style theme pubs.
If the pace and pollution of the city get a bit much, there are plenty of city parks to get away from the traffic and relax for a while. Among the best are the enormous centrally located Lumpini Park, Chatuchak Park and Suan Rot Fai (Railway Park), where you can hire a bicycle or watch the butterflies in the insectarium.


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A Short Introduction to Promoting Resilience in Children
Colby PearceThis book provides a succinct, accessible and clear guide on how to promote resilience in children and achieve positive developmental outcomes for them. The author covers three key factors that affect resiliency: vulnerability to stress and anxiety, attachment relationships, and access to basic needs. Learn More2011, Paperback / softback, 8.50in x 5.43in / 216mm x 138mm, 112pp, AU$32.99ISBN: 978-1-84905-118-72011, Ebook, ePUB, 112pp, AU$32.99ISBN: 978-0-85700-231-0
A Short Introduction to Understanding and Supporting Children and Young People Who Self-Harm
Carol FitzpatrickAn easy-to-read guide for parents, carers and professionals working with young people showing signs of self-harm and suicidal behaviours, which gives advice on how to identify problems and how to support the young person. Learn More2012, Paperback / softback, 8.50in x 5.47in / 216mm x 139mm, 112pp, AU$32.99ISBN: 978-1-84905-281-82012, Ebook, ePUB, 112pp, AU$32.99ISBN: 978-0-85700-584-7
A Short Introduction to Helping Young People Manage Anxiety
Carol FitzpatrickThis book tells you everything you need to know about anxiety, its many causes and types, and associated disorders such as depression and self-harm. Case-studies help to show the effect of anxiety in real-life situations, and also provide useful tips and advice to help young people manage their symptoms. Learn More2015, Paperback / softback, 8.35in x 5.55in / 212mm x 141mm, 112pp, AU$32.99ISBN: 978-1-84905-557-42015, Ebook, ePUB, 112pp, AU$32.99ISBN: 978-0-85700-989-0
A Short Introduction to Understanding and Supporting Children and Young People with Eating Disorders
Lucy Watson and Bryan LaskThis accessible and clear guide presents the essential information on a range of eating disorders. The experienced authors explain the differences between eating disorders, what symptoms to look out for, with practical advice for teachers and parents on recognising problems and offering support to young people. Learn More2016, Paperback / softback, 8.82in x 6.73in / 224mm x 171mm, 112pp, AU$24.99ISBN: 978-1-84905-627-42016, Ebook, ePUB, 112pp, AU$24.99ISBN: 978-1-78450-102-0


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I have been riding my Carafino foil board for several years with no complaints. It seems solid and has held up well.
But I am doing some kiteboard racing and I would like to use a foil board but my Carafino just doesn't have good high speed capability. At higher speeds, race boards just go faster.
I would like a board that can go very fast. Which of the available boards has good high speed capability? I ask this because I expect most boards are designed for recreational of use like the Carafino and I don't need another board like it.
I have been looking at the Taaro Sword just because Johnny Heinikin used it in a race and in his video.