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Buying Time With Money
I had this weird idea.
First, the problem: it's hard to keep track of passing time in a tabletop game.
It's like, "are we waiting? What's happening? What can we do?" All these questions and more have come up during my game sessions. Sure, you can keep track of minutes spent searching a room, or days spent traveling — cross off your rations — but it just doesn't… who cares? And, why does anyone care?
No, it doesn't make sense. Why do something things cause time to pass, while other things require time to pass? Searching or resting takes time, while taking actions like traveling or performing rituals — costs some amount of time.
Maybe I've gotten my uses mixed up, it hardly matters.
The point I want to get to — the potential solution to this dilemma — may be in charging the PCs a premium on passing time in the game world.
See, the problem I find with the GM strictly controlling the passage of time is, "what do you do with all that time?" How long does it take for things to happen? When do the consequences of the PCs' actions finally catch up with them?
The answer is — immediately, unless they buy some time.
Bliss Stage points out that the difficulty of the game will largely lie in the hands of the GM — setting the pace by deciding how many "interlude" actions take place between Mission Briefings. My thought is — you can make the PCs pay for it.
Here's another way of putting it — choosing, setting, and keeping a pace for a campaign is hard — so don't bother. Delegate pacing to the players by having everything rush them. Did the PCs spoil the latest plans of the Big Bad? Well, immediately follow up the mission with the Big Bad's retaliation.
Don't put off to later, what the players will forget about in the meantime.
This has a couple effects I can name off the top of my head — first of all, it makes a commodity of something that players will often take advantage of or ignore.
"What's that? You want time to rest up for the next fight? Too bad."
Having a GP cost associated with something that typically goes ignored will make it a 'thing' that the players can immediately begin trading in — do they want to see a construction project completed? Have them sink money into it.
Second — now that it has a cost associated with it, there's a very simple way of tracking exactly how much time has passed — the time that passes is based on how much the PCs spend. You now have a cost-in to time-out ratio.
For those of you who are still struggling with the concept, picture this — a narrative with a hero or group of heroes who remain(s) perpetually impoverished despite the clear pay-offs associated with their high-risk jobs — they might be "buying off" the consequences of their respective backgrounds.
Eventually though, the money runs out — or they succumb to fatigue.
The end comes rushing toward them and they can't put it off any longer.


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Budget Bushcraft
I recently spent a few hours at my local branches of Bunnings Hardware Store, Hunting And Fishing (H & F) and Kiwi Disposals Army Surplus. I wanted to price a low cost bushcraft kit. I did not want cheapo rubbish that would fail outdoors so I looked for a balance of quality and pricing.
A barrier to getting outdoors can be cost. But do we have to pay as much as we think? My aim here was to find what is readily available at affordable prices. This list does not cover everything and should be adjusted for personal preferences. Prices have been rounded up by 5 to 10 cents.
Dave Canterbury's 10 C's Of Survival was the basis of my shopping list. I adapted and broadened The 10 C's to better cover my bushcraft needs. If I can fill most of the items on the list I will have most of what I need for my Bushcraft Kit. Below is what I found, where I found it and how much it cost.
The 10 C's:
Combustion, Cutting, Cover, Cordage, Container, Cotton, Compass, Cargo Tape, Canvas Needle, Candle.
COMBUSTION: A way to produce flame.
6 pack of waterproof matches $6 to $7. Keep in a plastic bag. Find At H & F.
Samba Fire Lighters 36 Cubes $2.15. For starting wood fires. Find At Bunnings.
CUTTING: Knife. Axe or Saw. Sharpening Tools
Folding Saw $8. Ok for light work. Find At Bunnings
Sand Paper $1.00 to $2.80 per sheet. Wrap around a Painters Stir Stick and use for knife sharpening. Find At Bunnings
Bahco SB 2444 $18.50 This knife is actually a Mora Clipper with a stainless steel blade. What a score! And for under 20 bucks! The SS blade is razor sharp and offers great corrosion resistance for New Zealand's damp rain forests. Find At Bunnings
COVER: A shelter to sleep under, water and wind proof (Similar in size to an NZ Army Half Shelter 2.7 x 1.8 meters). Sleeping Mat. Sleeping Bag/Blanket. Rain Coat/Poncho. Clothing.
Polytuf Green Heavy Duty Tarp 2.4 x 3.0 meters $26.70. Find At Bunnings
Polytuf Blue Medium Duty Tarp 2.4 x 3.0 meters $10.80. Find At Bunnings. Both have eyelets for tying cordage. My choice would be the Blue Med Duty Tarp. It appeared plenty tough for the bush and was about half the weight and price of the Green one.
Sleeping Mat $16 to $20. Padding and warmth to sleep on. Find At H & F, Kiwi Disposals.
Italian Army Blanket 80% Wool $50.00. Find At Kiwi Disposals.
Rain Coat & Pants $20.00 per set. PVC Coated Polyester. Find At Bunnings.
Thinsulate Beanie $9.95. Find At Bunnings.
Thinsulate Gloves $9.95 pair. You can sweat a little in these but they will keep you comfy and warm. Find At Bunnings.
Boot Socks 50% Wool, 50% Acrylic/Nylon $9.95 pair. Find At Bunnings.
Ex-Army Shirts $16.00. 80% Wool, Brand New. Another fantastic score. Find At Kiwi Disp
CORDAGE: For tying out the Cover, tying things to the back pack, fishing etc.
Zenith Nylon 3mm x 10meters $5.10. Find At Bunnings
Zenith Poly 3mm x 30meters $3.95. Find At Bunnings. Nylon is very strong but my choice would be the Poly 3mm. It is 3 times longer and cheaper. Polyester is strong enough for most needs, UV resistant and does not absorb water like nylon does. Don't confuse Polyester with Polypropylene. Polypropylene breaks down in U.V. and generally sucks.
CONTAINER: Something to hold water in. Cooking container. Cutlery
1.5 litre full bottles of water. Find At Supermarkets. They are clear plastic so you can see the water level and any sediment when you refill.
Stainless Steel Mug Large $9.95. For cooking food, and boiling water. Find At H&F.
Knife, Fork and Spoon from your kitchen draw.
Glad Zip Lock Bags Find At Super markets. Various sizes to keep everything dry. Use for leftover food and keeping things dry. I use Sandwich Size the most.
Large Rubbish Bag to line the back pack or carry bag. Find At Supermarkets.
These matches are not water proof so are kept in a plastic bag.
Hunting And Fishing stainless steel mugs can hold a 450gm can of food and be placed directly on the coals to cook.
The stainless steel fry pan was $5 at an op shop.
Add in a can opener, cutlery and some dishwash liquid.
COTTON: Ideally 90cm x 90cm, cotton fabric. Acts as a bandana, making char cloth, a bandage, towel, sweat rag etc.
Cut up a bed sheet, pillow case, towel etc. Two Dollar Shops and Supermarket checkouts sell smaller cotton bandanas.
$35 to $95. A good selection available at Hunting & Fishing.
CARGO TAPE: (Duct Tape). To repair shelter and equipment, sutures for wounds etc.
Scotch Duct Tape 18meters $10 to $14.50. Various colours. Find At Bunnings.
CANVAS NEEDLE: (aka sail needle) for repairing packs, clothing, removing splinters.
A needle and thread from a sewing kit is ok for most of my jobs. Cargo/Duct Tape can do the bigger jobs.
CANDLE: A lighting device. I like to carry candles and a torch in the kit.
Eveready Dolphin Pico Torch $10.00. 5 hour battery life, small, waterproof. Find At The Warehouse.
Tea Light Citronella Candles 12pack $3.25. 3 hour burn time each. Insect Repellent. Find At Bunnings.
Carry bags picked up at The Salvation Army Op Shop for about $5 each. I will carry needle and thread for repairs if needed.
A plastic rubbish bag in each gives me a haversack and light backpack that carry all my gear (except the foam sleeping pad) and keep it dry.
Garden Trowel $4 to $7. A small, lightweight device for digging a latrine or water drain trench around your Cover/Shelter. Find At Bunnings.
Small Camping Shovel $16.00. Find At Bunnings.
Ex-Army Mosquito Net $20.00. Small and light. Find At Kiwi Disposals.
Back Pack and Haversacks $10 to Hundreds of dollars. A big variety available. Most are ex-military or brand new. Find At Kiwi Disposals.
What is our fashion conscious bushcrafter modeling today?
K-Mart pants $20. Ex-army wool shirt $16. Wool beanie $2.
The scarf is actually a wool/acrylic sleeveless vest I bought new from an op shop for $5. I unbuttoned it, rolled it up and wrapped it around the neck. I can wear it as a vest if I need an extra layer but it was not too cold this day.
Other good places to shop are The Warehouse, K-Mart, Salvation Army Hospice stores. Wool sweaters and coats are very common at hospice shops as are cheap trousers, footwear and carry bags. Shopping around before buying can save a lot of money. The Dolphin Pico Torch sells for $15 at Bunnings then I found it for $10 at The Warehouse.
I hope some find this useful. Please respond with any ideas, alternatives, changes you would make.
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These Bacho 2444 knives are still around if anyone is looking. Farmlands Stores sell them. I think you can order online from them and have it couriered direct. I bought a couple from Farmlands Pukekohe earlier this year. They were on sale for NINE BUCKS!! Great deal!!
I have recently seen the knife at Mitre 10 stores.
Goldpine also stock the bahco knife. If you happen to have a store nearby.
Thank you for this guide really useful.
It seems the bahco knife is not sold anymore at bunnings bt you can find it at trade tools
Maybe adding a ground sheet ( 5$ tarp) might be good too especially when ground wet.
It also seems that H&F have the mora companion at 25$ (green and orange).
Also if you are looking for sail needles, which i have spent extensive time searching for, sometimes just maybe you might find it at sewing or arts crafts stores or if not look for a long thicker version of a needle, the biggest you can find and with a bit of pressure it will penetrate most things. Not real leather thou, might need a awl or nail of some sort
It's funny too because i follow Dave Canterburys 10 C'S as well, in particular his Bulletproof Bushcraft on a budget with a few added other multi use goodies. And cotton clothesline rope as both spare cordage and if needs be, char cloth
Wow! First of all, thank you for sharing this awesome finding. Under $20 Bahco in NZ! Secondly, your post is really good. It's helpful for beginners and also for experienced bushcrafters. Bushcraft items are difficult to be found in NZ, especially with good prices.
Thank you so much for sharing!
Thanks guys. The knife is not a full tang and the handle is plastic with a non slip grip. I have seen reviews where it has regularly been used for splitting wood by battoning. I think it would be fine for light battoning. Too much downward pressure on the handle while battoning the blade at the same time could possibly cause the tang to push itself through the handle. I have seen this happen on a video review. This is still a great knife though and worth having in any kit. Like any tool it has pros and cons.
Thanks for this and the knife review Dave! I've always wanted to know how to get quality gear from local stores without busting the wallet! I'm seriously considering buying that knife - under $20! Almost too good to be true. Can it take wood carving/splitting and banging etc? I always thought a knife with a saw on the spine/back edge would be cool.

subset: commoncrawl


text: If you'd like to take the next step and see how the Ventis system could work for your home, just fill out the form below. We'll then give you a call to arrange a suitable time for one of our Ventis technicians to come and have a look at your home – where they'll take temperature and moisture readings and recommend the best Ventis set up for your home. Good on you, you're taking a big step towards creating a healthier home for you and your family.


text: Democratic presidential candidate Bernie Sanders on Monday came out against two oil pipeline projects in the upper Midwest. At a campaign rally in Minneapolis, Sanders said as president, he would follow a standard set by President Obama when it comes to pipeline projects, including two proposals for pipelines crossing Minnesota. Guessing this dumbass donkey environmentalist has never heard of bomb trains? You would think an environmentalist would be for the pipelines, because they tend to be a lot safer then trains chugging oil along the rails in America. He will go to say pipes leak, but a leak is an easy fix. When a train carrying oil explodes good luck getting all those fossil fuel fumes out of the atmosphere. I don't even think environmentalist care about nature in the first place, because you always see them driving around in their gas guzzling suv's.


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Title Update 2 Patch Notes
Reset players trial timer. Trial timer is now set to 20 minutes for both players who have already used up their trial timer, as well as new users downloading the trial for the first time.
PC version will support Steam achievements
Added a new controller layout: Standard 2, which swaps the crouch and melee button mappings
Added a watermark version number to the title screen.
Increased intermission time from one minute to roughly 1 minute 45 seconds to allow for more
players to join a match once the required amount of players is met.
Increased the additional player search time when searching for a quick match from 12 to 15
Intermissions now show the time remaining on screen when timers are active in order to better
communicate how much time is left in an intermission.
Modified the Find Games search dialog box to provide more informative information. It now
describes where the player is in the search process (searching, succeeded, choosing best game
and joining).
Added the ability to switch teams in private match. This is done with a button press when
viewing the player list.
Made player names colored based on team in the kill list.
Increased spawn invincibility armor by 50% from 2 seconds to 3 seconds.
Dropped spawn turret damage by 50%.
Reduced the shotguns maximum range by 36%. It now linearly drops off damage faster over a
shorter distance.
Decreased the grenade bounciness by 10%.
Decreased the round time from 15 minutes to 10 minutes.
Viewpoints are now chosen at random when switching to spectate mode. Players will then cycle
through all available cameras while in this mode.
Quick Match games now cycle from map to map based on what the players in the current match
have recently played. Thus, players should not repeat maps when staying in the same match.
Increased the amount of XP earned for completing a match to 500.
Increased the amount of XP earned for winning a match to 250. Winners will also get the 500
for completion as well.
Increased the LMGs damage by 10% and decreased its spread by 20%.
Fixed a bug where after a host migration in Domination, control points would sometimes show
up as dark gray rather than the color of the team they are controlled by.
Fixed an issue that was causing sprint to not function when using a South Paw controller
Fixed the match making issues that caused quick match Find Games to take extremely long.
Previously players would sit at Searching for Games for a very long time before possibly
finding a game. No longer should this happen.
Added a recent bad host black list. Players will no longer attempt to join stale games.
Fixed the issue that allowed players to join a game after the intermission had ended, but before
the game had begun. Previously players were joining the game after intermission, and then
being kicked from the game when the match began and as players registered for stat arbitration.
Fixed an issue where the 9mm spawn in effect was not appearing correctly in some cases.
Fixed an issue where Quick Match games would change game types when a host migration
occurred when the new host had been invited from a match playing a different game type.
Fix for the Quick Match menu game mode filter not being saved to what it was previously after
backing out of an intermission.
Fixed an issue where players could occasionally get stuck cooking a grenade and be unable to
throw it.
Fixed an issue where meleeing while you were cooking a grenade would cause the cooking timer
to reset.
Players can no longer melee or switch weapons while cooking a grenade.
Fix for an issue where the game would occasionally not end after a host migration, forcing
players to quit manually.
Fixed an issue where control points would sometimes become unhackable by opponents when
they should have been hackable.
Fixed an issue with unplugging controllers at the title screen could cause the game to soft‐lock.
Fixed an issue where semi‐automatic weapons could be fired as if they were automatic weapons.
Fix for the incorrect error message being displayed when pulling out the network cable while in
a loading screen.
Fix for connection issues being properly and more robustly handled.
Fix for errors that occur during host migration potentially showing up in English when playing in
a language other than English.
Fixed an issue where weapon attachments that were set to none were not actually being set
to none, but instead were using information from the previous attachment in that slot. This will
make it so the revolver will not inherit increased magazine loads from other weapons.
Fix for an issue where in rare instances users were not able to hack the first server in Burial
Fix for exploit where users were able to fire their gun while in HRV.
Fixed an issue where camo names were inconsistent between character camos and weapon
Fixed an issue which caused HRV to be functional when flashbanged. Users were able to get
flashed and then switch to HRV to be able to see.
Fixed an issue in Black Ops where players would be forever stuck in the Lobby if a player joined
and then left.
Fix for a rare issue where loadouts would occasionally not be set properly after playing a match.
Fixed an issue such that players can no longer be flashbanged when under spawn invincibility.
Fix for an issue where some players were reporting that they were unable to acquire the
Gearhead achievement, despite having ranked to 70. We now have a safeguard that ensures a
player gets the achievement when they earn it.
Fixed for multi‐kill not functioning properly. It was not properly adding the right amount of time
to allow players to get the next kill. Players should now have 2‐3 seconds between kills to
where they will continue to count as a multi‐kill.
Fixed an issue that caused footsteps of others to not be heard by players.


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Wedding favors
Wedding favors are typically small gifts that are given as a gesture of appreciation or gratitude to guests from the bride and groom during a wedding reception. There are plenty of wedding favors ideas ranging from those that are edible to the more practical and functional. A lot of couples prefer wedding favors that are considered more durable. A popular choice nowadays is a scented candle in a small tin with the bride's and groom's names or initials engraved on the lid.
Another practical choice when it comes to wedding favors is a wine glass which your guests can bring home and use all year round. Some couples choose magnets as their wedding favor which can prove to be very useful as well as a lovely reminder of their wedding. One of the most classic wedding favors is a place card that is framed in a silver or gold picture frame. This often works well if you have a seating arrangement during the wedding reception and eliminates the need to hand out the favors individually.


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The power of industry experience is perspective - perspective we bring to help you best leverage your own capabilities and resources.
Tax Consultant
BDO Auckland CBD
09 379 2950
09 366 8143
Chartered Accountant (Chartered Accountants Australia and New Zealand)
Chris is a Tax Consultant based in BDO's Auckland CBD office.
Chris has had over 19 years' tax experience advising a wide-range of business clients (including clients with business operations overseas) on both domestic and international issues.
She has also had over seven years' legal experience as a legal executive advising and assisting clients who value this combination of skills and experience.
Member of Chartered Accountants Australia and New Zealand
Bachelor of Management Studies


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Dr. Jona Johnson, an optometrist at our North Portland clinic through the Amigos organization with Pacific University completed a successful eye care mission trip to Ixcán, Guatemala. Two days were spent in the region's main trading town of Playa Grande and then they traveled to the villages of Las Rosas and Ingenieros, where we worked mainly with the school children. Exams were primarily performed in churches and small school classrooms. The temperatures were hot and the humidity high, but it didn't slow the team down as they examined 1,050 people and dispensed 457 pairs of glasses. In addition to eye exams and glasses, 43 patients were referred for eye surgeries.
EyeHealth Northwest surgeons, Dr. Roger Saulson and Dr. Brent Chalmers with employees Ginny(RN at Westside Surgery Center), Lisa (Eastside Surgery Center Scrub tech) Cherie (former Eastside Surgery Center Manager) recently took a team to Kausay Wasi Clinic in Peru. They saw over 200 patients, performed 27 cataract surgeries, 1 pterygium, and 3 YAG laser capsulotomies.
EyeHealth Northwest employees participated in the Teddy Bear Parade, collecting stuffed animals for Clackamas County Law Enforcement to give to children in traumatic situations
EyeHealth Northwest is proud to support the "Keep the Promise" campaign to provide people in need with the gift of vision.
EyeHealth Northwest employees enjoying the Shamrock Run festivities
EyeHealth Northwest Employees participating in the Race for the Cure. Celebrating survivors, supporting the fighters and remembering those whose lives ended too soon.
Rebecca Armour, MD and Michael Bentley from our Northwest clinics spent a week in Petit Goave, Haiti. With the ophthalmology team there, they saw 150-220 clinic patients treating Glaucoma, eye injuries and performed a pterygium(growth on the white part of the eye) surgery.
Our employees donated their Sunday afternoon feeding the homeless for Potluck in the Park.
EyeHealth Northwest employees ran Hood to Coast in August finishing 45 minutes earlier than their projected time. Great job Unruly Pupils!!
EyeHealth Northwest Team including our Optometrist, ophthalmic technicians, opticians, and optical lab participated in Compassion OC. Together with our Community Partners, we provided over 80 free eye exams and 64 pairs of glasses! It was our privilege to serve our community.
Drs. Roger Saulson and Daniel Holland and a few employees of our EyeHealth Eastside Surgery Center volunteered their time and expertise to travel to Peru to perform Cataract and Strabismus Surgery.
Another successful Mission Cataract Day at EyeHealth Northwest! Thank you so much to the doctors, nursing staff, Nurse Anesthetists, Alcon labs & EyeHealth staff for making dreams come true by giving the gift of sight!
Community Involvement
Dr. Chalmers performing surgery
in Oaxaca, Mexico
Community Involvement. What does that mean? For EyeHealth Northwest it means that our physicians are committed not only to their local community but the communities of the world. You will find our physicians volunteering as clinical instructors of Oregon Health Sciences University's Casey Eye Institute and the Veteran Administration Hospital and delivering lectures and free screenings for eye disease in their communities.
You will also find our physicians frequently leading surgical teams in Mexico for Northwest Medical Teams. EyeHealth Northwest physicians have also provided volunteer medical and surgical services in Central America, Vietnam, Romania, Nepal, West Africa, China, South America, and the Philippines. In addition to providing these services, they often instruct local physicians at the same time.
Community Involvement
July 2010—Dr. Kerry Hagen was among an
international faculty of volunteers that recently
traveled to Hue, Vietnam to lecture and instruct
eye surgical techniques to Vietnamese
The international humanitarian eye care and training expeditions are sponsored by the non-profit Hawaiin Eye Foundation, providing eye health care, surgery and instruction for over 25 years. Over 400 Vietnamese eye surgeons from Ho Chi Minh City (Saigon), Hanoi, Da Nang, and other parts of the country came to learn from 30 leading specialists from around the world.
The physicians of EyeHealth Northwest are recognized as leaders in their field and many are active in the advancement of quality assurance in health care. Several of our physicians are frequently asked to present at national and international ophthalmology conferences.
Community Involvement
Dr. Fonken teaching strabismus
surgery to Romanian doctors and
April 9, 2003 -- Dr. Paul Stromberg recognized for his dedication to helping others achieve better vision.
Dr. Paul StrombergAfter 12 years volunteering for Northwest Medical Teams, Paul K. Stromberg, MD has been named the recipient of the 2003 NWMT "Spirit of Life,
Outstanding International Volunteer" award. Not only has Dr. Stromberg traveled to Oaxaca, Mexico with NWMT to provide eye surgery for indigent patients numerous times, but he has also served as a consultant to Northwest Medical Teams for eye surgery programs throughout the world.
Please join the Doctors and Staff of EyeHealth Northwest in congratulating Dr. Stromberg for receiving this prestigious award.
Sonal B. Dave, MD's Time in Nepal May 2008
Community Involvement
Dr. DaveÌ
At EyeHealth Northwest, our Opticians are committed to helping you get the best pair of glasses you have ever had. Opticians are Nationally Certified by the American Board of Opticianry and participate in ongoing continue education courses to deliver the best possible care with the most advanced technology and fashion. We can take stress out of the process, making it enjoyable for you and your family.
With more than 60 years of experience in Portland, we are now driving the Portland look by designing and curating original frame collections based on our optical expertise - Bridge City Spex. We understand the importance of individuality, functionality, and quality. The Bridge City Spex Collections can be found exclusively at our eleven EyeHealth Northwest optical shops.


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In healthcare facilities across Canada and around the world, harmful bacteria exist on commonly touched surfaces. As a result, patients, healthcare workers and visitors to healthcare facilities are at risk of becoming infected with serious healthcare-acquired infections (HAIs). These infections often spread from touching contaminated surfaces, such as door handles, push buttons and equipment.
Every day, these preventable infections result in prolonged hospital stays, increased costs for the healthcare system, a rise in antibiotic resistance and unnecessary deaths. More than 250,000 patients will contract an infection while receiving care in Canada annually, and 14,000 of these patients will die as a result. HAIs are the fourth-leading cause of death in Canada and cost the Canadian healthcare system more than $1 billion annually, and most of these infections are completely preventable.


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Samantha Crawford is a nineteen year old tennis player from Atlanta, Georgia. She burst onto the tennis scene in 2012 when she won the U.S. Open Girls' Singles title. She went on to receive a wildcard into the 2012 U.S. Open-Women's Single Qualifying competition, which she also won. She then competed for a spot in the main draw winning in three sets. In her first women's grand slam main draw appearance, Samantha lost to fellow teenager and number one ranked female British phenom, Laura Robson. In 2013, she reached her best singles ranking of world number 218, and in early 2014 she peaked at world number 282 in the doubles rankings. She is looking forward to her Summer challenges!
Stay tuned as we feature up and coming champion female tennis players as we approach the 2014 tennis season.


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It's time to quit day dreaming about that infamous Comfort Made Sexy… No more lounging around, let's find your perfect Lounge Fit.
Girls, we've done everything we can to make measuring up as simple and easy for you as possible. You can now find your fit in less than 60 seconds.
Stay comfy on your sofa and enter The Fitting Room.Find your Lounge Fit
Meet our Bamboo Triangle Collection. This All White Bamboo Triangle Bra and Thong Set captures our classic Triangle shaped bra and sexy yet comfortable style, now with a stretch-fit bamboo fabric and recycled banner yarns.
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The banner is made with 40% recycled yarn - maintaining its incredible comfort and signature bold Lounge branding. The straps, binding and banner all come together to make the All White Bamboo Triangle a must-have underwear drawer necessity.
Sustainability truly takes a front seat with this set, bringing you classic Lounge comforts with mother nature at the heart of your Lounge wardrobe.
Belle wears: S Bra and S Thong
Please note, we're still Lounging and delivering globally at this time, with safe handling of your order being our highest priority. We are committed to ensuring orders arrive as quickly and most importantly, as safely as possible during the pandemic, but please do bear in mind that delivery delays can be expected worldwide. Tracking updates will keep you in the loop and you'll be Lounging with us in no time. Thanks so much for your patience and understanding whilst we work hard to get your at home comforts to you.
To learn more, head here.
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Add a Gift Box to your order at the checkout, and our team will carefully place your pieces into our statement black Gift Box, wrap them in our white branded tissue paper, and then add the perfect finishing touch with our delicate ribbon.More info


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Connection between the airport and a private address.(1-3 )
Private Transfer
Duration: 30 min
Passengers (min-max): 1 - 3
€ 27
Abidjan is the former political capital and primary economic center of the country of Ivory Coast. As of 2011 it is the largest city in the nation and the third-largest French-speaking city in the world, after Paris and Kinshasa. As of 2006 records, there were 5,068,858 residents in the metropolitan area and 3,796,677 residents in the municipality. Only Lagos, the former capital of Nigeria, has a larger number of inhabitants in the West African region. Considered a cultural hub of West Africa, Abidjan is characterized by a high level of industrialization and urbanization. The city stands in Ébrié Lagoon on several converging peninsulas and islands connected by bridges.The city grew up quickly after the construction of a new wharf in 1931 and its designation as the capital city of the then-French colony in 1933. The completion of the Vridi Canal in 1951 enabled it to become an important sea port. In 1983 Yamoussoukro was designated as the official capital city of Ivory Coast, but almost all political institutions and foreign embassies are still in Abidjan.


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Internal State Language and Theory of Mind Development in Children with Autism Spectrum Disorder
Dhooge, sarah
MetadataShow full item record
This study investigated the Internal State (IS) language input of parents, IS language use by children, and children's performance on perspective taking and false belief Theory of Mind (ToM) tasks. Two groups of participants were included: children with Autism Spectrum Disorder (ASD) (N = 12, M chronological age = 7; 4, M language age = 6;0) and typically-developing (TD) children (N = 13, M chronological age = 6;0, M language age= 6;5), matched on language age. Independent means samples t-tests showed that the transcripts of the two groups of parents or the two groups of children did not differ in regards to total number of words, utterances, or mean length of utterance. ANOVAs were used to test for differences in IS language category or elaboration in the two groups (ASD, TD), in parents and children. For the parent data, no statistically significant differences emerged. For the analysis of child talk the ANOVA revealed that the main effect of group approached significance, with a trend towards TD children using more IS language than children with ASD. ANOVAs were also used to test for differences in ToM task performance (perspective-taking, false belief) in the two groups of children; TD children performed significantly better on ToM Tasks overall than the children with ASD. Partial correlations found that for the TD group, there were no significant correlations between the parent's or the child's use of IS language with the child's performance on ToM tasks when chronological age was controlled for. For the ASD group, after controlling for chronological age and language age, the parent's use of elaborated affect terms was significantly positively correlated with their child's performance score on perspective-taking tasks, and the parent's use of elaborated cognitive terms was significantly negatively correlated with their child's performance on false-belief tasks. Also for the ASD group, the child's use of simple affect terms was significantly positively correlated with their performance on false belief tasks after controlling for chronological age and language age. Findings are discussed in relation to prior research and clinical implications.


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When you're working on something – be it blog post or simply SEO and driving traffic – you need to focus in order to get your desired results.
Or if you want to reach a deadline you imposed upon yourself, you need to concentrate on the task at hand.
Now how are you going to do that if you keep on getting sidetracked by other things?
What are you going to do if you find yourself procrastinating instead of being productive? No worries.
Here are some useful tips to help you.
Use the first 30 minutes of the day for a strictly work-related activity
What do you do during the first 3o minutes of your day?
No, I don't mean after you wake up. I'm talking about the moment you sit in front of your computer and have managed to finish all your morning rituals.
So what do you do? Do you get to work immediately? Or do you surf through the internet leisurely?
While there is nothing wrong with using the internet as a pastime, it may affect your productivity if you're doing it at the time where you're supposed to work.
Instead of doing it first thing, make sure that you spend the first 3o minutes, or better yet the first hour, of your day doing work-related activities.
Take much needed breaks
Sometimes, the reason why you find yourself procrastinating a lot is because you tend to get burnout with too much work.
You may not be getting enough breaks or rest while you work and that's a big NO-NO.
Just because you're working on a deadline doesn't mean you'll have to forego taking a rest. Remember that your body needs it.
Otherwise, how are you going to be able to stay productive? How are you going to get the energy you need to keep on working?
Keep that in mind.
Block out distractions
Maybe the problem why you find yourself procrastinatinating a lot is because you let distractions get the better of you.
Remember that they're called distractions for a reason.
If you let them distract you, then you won't be able to be productive and finish the tasks that need to be done.
What you need to do is block out every distraction around you.
Unplug from technology, turn off the radio or television, to make sure that you're focused on your work.
Otherwise, you won't be accomplishing anything.
Want to learn more productivity tips? Then click here now!


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What is a HECM reverse mortgage?
Home Equity Conversion Mortgages (HECMs), also known as reverse mortgage loans, were created over 25 years ago to help Americans age 62 and older convert a portion of their home equity into tax-free money. HECM reverse mortgages are insured by the Federal Housing Administration (FHA) and allow seniors to age in place and achieve retirement security.
How does it work?
A reverse mortgage loan allows you to turn some of the equity in your home into cash to improve your lifestyle in whatever way you choose. You will continue to live in your home, retain ownership and will not be required to make any monthly mortgage payments during the loan period. Instead of repaying the loan monthly, the loan balance is repaid when all borrowers have left the home. You will be required to pay for property taxes, home insurance and home maintenance.
The loan balance also becomes due upon the occurrence of other events including non-compliance with the loan terms.
Qualifications Include:
- The borrower on title must be 62 years or older (a non-borrowing spouse may be under age 62)
- The home must be the borrower's primary residence
- The borrower must own the home (The borrower must meet the financial requirements of the HECM program)
Possible Advantages of HECM Reverse Mortgages
No monthly mortgage payments*
Tax free proceeds*
Keep your home
Federally-insured by the government
Frequently Asked Questions
Does the bank own my home?
No. Reverse mortgage borrowers retain ownership of their homes. They are not relinquishing title or ownership using a reverse mortgage, but borrowing against the value of the home. A borrower may not lose their home under normal circumstances, as long as they comply with loan terms.*
*Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default.
How can I receive my reverse mortgage funds?
Reverse mortgage funds can be disbursed in a number of ways: full or partial lump sum, as a line of credit, through monthly payments, or a combination of any of these.
What if the loan amount exceeds the value of the home?
Reverse mortgages are non-recourse loans. What this means is that if somehow the loan balance ends up surpassing the value of the home, the lender cannot collect more than the value of the home. Under the HECM program, the difference between the loan balance and the home value is covered by the Federal Housing Administration's (FHA) insurance fund.
Will it affect my Social Security, Medicare or pension benefits?
No, these benefits will not be impacted. Reverse mortgage funds are considered loan proceeds and not income. However, Medicaid and other income-based benefits† may possibly be affected. What's more, the longer you wait to access Social Security benefits, the more you may receive. A reverse mortgage can help delay accessing Social Security in order to boost your lifetime retirement income*.
Consumer Safeguards
A number of consumer safeguards have been established to protect reverse mortgage borrowers. These protections ensure lenders like us are doing their jobs right, and that you and your family have a thorough understanding of how a reverse mortgage works. The following consumer safeguards were instituted for your benefit:
No Pre-Payment Penalty
You can choose to repay the loan at any time without incurring any additional costs.
Nonrecourse Loans
HECMs are considered nonrecourse loans in which the borrower can never owe more than what the house is worth at the time the loan is paid back.
All reverse mortgage applicants undergo independent, third-party counseling. This ensures that borrowers understand the financial implications associated with their reverse mortgage, what their obligations are and what other alternatives may be available to them. We encourage and support third-party counseling so that you feel completely comfortable with the process and understand your options.
HUD established principal limits on the amount of money you can borrow during the first year of your loan. This may ensure home equity proceeds last longer.
HUD Fee Limitations
HECM origination fees are regulated by HUD. Other HECM reverse mortgage costs may vary among creditors and loan types.
Greater Retirement Security
Financial advisors are including the reverse mortgage growing line of credit as part of their clients' long-term retirement planning strategies, helping stretch other investments even longer into retirement.
Did you know you can buy a home with a reverse mortgage?
A HECM for Purchase loan combines a reverse mortgage with the equity from the sale of your previous home – or from other savings and assets – to buy your next primary home in a single transaction. Regardless of how long you live in the home or what happens to your home's value, you only make one down payment towards the purchase.
Additional Benefits Include:
- No monthly mortgage payments†
- Increase your purchasing power
- Contributes toward the down payment on the home purchase
- Rightsize to a lower maintenance home
- Buy a home closer to family and friends
- Lower your cost of living during retirement
*Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default.
†Please consult with your tax advisor. †Borrower must continue to pay for property taxes, homeowner's insurance and home maintenance. *Social Security benefits estimator available at www.ssa.gov/estimator. **Required as part of loan. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default.


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It's time to burn the fat Summer is here, bathing suits are waiting to be worn and it is a great time to shed our winter weight. While this will not happen overnight, here are ways to get started:
Intensity: Increase the intensity of your cardio workouts. When you exercise at the same pace for an extended period of time, your body tends to go into autopilot mode and isn't really being challenged. Yes, you are still burning calories, but you are not really blasting the fat zones. Try replacing a long duration cardio session with an intense 20 to 30-minute HIIT (high intensity interval training) session. You'll notice a difference in how you feel physically and mentally, you will burn just as many calories (if not more), and you will also burn more calories after the workout as your body works to recover.
Strength train: I cannot stress this one enough. Everyone can benefit from incorporating strength training into his or her life. Not only does it create a better body shape, but it also makes your body into a more metabolically active machine. (Translation: You will burn more calories all day long.) It is also essential for bone health, especially as we age. So lift heavy weights and watch the fat melt away.
- Cleap your diet: If you are doing all the right things in the gym but still eating a poor diet, you will not see great results. The reality of life is you** cannot outtrain a bad diet.** Don't be a beast at the gym and then make poor food choices at home. Nourish your body with plenty of green leafy vegetables and lean protein. And skip the junk.
Here is a sample HIIT workout to get you started. First, do a cardio warm up of your choice for five to eight minutes. Then,
20 seconds of squat jumps
10 seconds rest
20 seconds of lunge jumps
10 seconds rest
20 seconds of burpees
10 seconds rest
Repeat the circuit five to eight times. Then cool down and recover. And don't forget to stretch!


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Law & Order star Annie Parisse is joining the cast of Fox's serial killer drama The Following as an FBI cult specialist, the network announced Friday.
VIDEO: Get a First Look at Fox's New Shows The Following, The Mindy Project and More
Parisse's character, Debra Parker, will work with former FBI profiler Ryan Hardy (Kevin Bacon) to investigate serial killer Joe Carroll (James Purefoy), who escapes from death row and continues his killing spree. Along the way, they discover he has a cult of followers who perpetrate copycat crimes around the country.
Parisse starred on As the World Turns and played assistant district attorney Alexandra Borgia on Law & Order.
The Following will premiere midseason.


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This Sparkling Christmas Punch is a satisfying holiday punch made of cranberry, pomegranate, and orange flavors to create a delightful drink for your holiday party or for yourself!
Christmas Punch
Happy Holidays! What is sparkly, festive, sweet and sassy? Well…I like to think I am (lol), but I am actually talking about today's Christmas Punch Recipe! Below is a delightful recipe that will add some merriment to your next holiday get-together. A sweet, tangy combination of cranberry, orange, and pomegranate juices combine to make this festive holiday punch. It's also really pretty, because I love super contrasting fruit garnishes in my drinks. Or fancy umbrellas…corny maybe, but I heart them always.
I love sweet cocktails like this pomegranate and cranberry punch, which I prepared with fresh pomegranate seeds, orange slices, and simple syrup. Of course, a little triple sec, vodka, and some gingerale as well to give it that fun fizzy texture.
For this particular cocktail I used Pom Pomegranate juice and 100% Cranberry Juice from Ocean Spray, but most brands of juice are perfectly fine to use. I also sometimes like to change it up and use Cran-Cherry or Cran-Rasberry.
I put myself through college as a bartender and cocktail waitress at a wonderful old style bar and lounge. Although I very rarely drink, I loved the atmosphere and the fun of creating beautiful drinks. I could prattle on about the history of bourbon, but I enjoyed mixing the fruity cocktails the most. Making a perfect cocktail is certainly an art based on ratios and flavor combination. This recipe was a great joy to develop and bring back my fond memories of a different time in my life. I hope you and all of your holiday guests enjoy it!
How to Serve this Vodka Cranberry Punch
In the photographs, you will notice that I garnished this with orange slices and fresh pomegranate seeds. Fresh cranberries also work well since it is cranberry and pomegranate juice. However, if you intend to serve this Christmas Punch with straws, the pomegranate seeds can make trying to drink it a little awkward – they tend to get stuck in the straw. In that case, skip the pomegranate seeds or use fresh cranberries as well. Cranberries look cute but don't eat them (bitter!).
Notes for Making a Non-alchoholic Party Punch
I have included both an alcoholic style and substitutions for the non-alcoholic variety. The alcoholic version is more of a punch than a cocktail and the vodka can be increased to personal preference.
This punch also translates very well to a non-alcoholic version. In fact, I gave it to my son and he gave it the thumbs up as one of his favorite new combinations. You may substitute the triple sec for any regular pulp-free orange juice or orange flavored water. The orange juice will change the color a bit, so orange water works as well. Obviously, skip the vodka and double the gingerale for extra fizz. The additional ginger-ale will also sweeten the drink so I wouldn't worry about adding any additional sugar or simple syrup.
Simple Mesh Strainer – use in place of most any recipe that asks for cheesecloth.
Reusable Ice Cubes – watered down drinks are terrible. These keep your drink cold without diluting it and these are clear and BPA free!
The perfect wine glasses – these stemless wine glasses are perfect for sipping!
Awesome Straws you can't live without: I'm sure these are a limited time thing, don't miss out on all the awesome and unique flamingo fun!
Hope it adds just a little more merry in your holiday season. Happy Holidays to you and your family!
Sparkling Holiday Punch (alcoholic and non-alcoholic)
- 2 cups Pomegranate Juice chilled
- 1 cup Cranberry Juice flavored cranberry mixtures are also good (cran-cherry, cran-pomegrante, etc)
- 1 cup Vodka 6oz
- 1/2 cup Triple Sec or Cointreau 8 oz
- 1 1/2 cups Gingerale
- 1 Orange Sliced for garnish
Simple Syrup
- 1/4 cup Water
- 1/4 cup white granulated sugar
- Making the simple syrup is optional depending on what kind of cranberry juice you purchase. Some store brands are sweeter than others and I generally skip it if I am using a cranberry juice combination. To make the simple syrup, in a small pot over medium heat, combine the sugar and water together. Heat until the sugar is completely dissolved. Remove from heat and cool.
- In a pitcher or punch bowl, combine all of the ingredients and chill if necessary. Top with fresh gingerale and orange slices just before serving.
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NEWTOWN, Conn. — The National Shooting Sports Foundation (NSSF), the trade association for the firearms and ammunition industry, issued the following statement today:
Gov. Dannel Malloy today signed into law a package of gun-control legislation that was assembled in secret by a small group of state legislators and that never received a public hearing. Most legislators had little time to even read the actual bill language.
The unfortunate results of this process, which made it appear that all points of view were being heard when in fact true expertise was shut out when it was most needed, means that mistakes in what is now enacted law will have to be corrected.
For example, language in the new law specifies a procedure for licensed firearms retailers to perform mandatory "universal" background checks on private party transactions that is not permissible based on federal law and regulations governing the National Instant Criminal Background Checks (NICS) system. As we read it, this mistake in lawmaking means that all private party transactions in the state now cannot be accomplished legally.
We share the goal of wanting to make Connecticut safer for our citizens following the unspeakable tragedy at the Sandy Hook Elementary School. In the end, however, public safety has not been enhanced and the unintended consequences of behind-closed-doors lawmaking will cause considerable confusion until the General Assembly corrects its mistakes.
Here is where we stand today. Law-abiding citizens of this state now have greater restrictions on their Second Amendment and state constitutional rights while Connecticut's firearms manufacturers will be forced to seriously weigh the impact on their businesses and their employees of the state's double-standard of you can build it here, but not sell it here, public policy formulation.
We will be carefully studying all provisions of the law for possible challenge in the courts.
About NSSF
The National Shooting Sports Foundation is the trade association for the firearms industry. Its mission is to promote, protect and preserve hunting and the shooting sports. Formed in 1961, NSSF has a membership of more than 8,000 manufacturers, distributors, firearms retailers, shooting ranges, sportsmen's organizations and publishers. For more information, log on to www.nssf.org.


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The total population of Angola, according to the census conducted in 2014 by the National Institute for Social Security (INSS), was 24 384 301.1
National statistics conducted by the INSS were used to obtain data on the prevalence of disabilities in Angola. Local non-governmental organisations (NGOs), such as the Federation of Organisations of Disabled People in Angola (FAPED), which is the umbrella body representing organisations working within the area of disability, also provide data, statistics and information as to the prevalence of disability.
Angola does not have an official body responsible for conducting a focused census on the prevalence of disabilities.
In Angola, there is no particular organisation which conducts a national census on the state of disability in the country. The Ministry for Social Assistance and Reintegration puts the figure at 170 000, while the League for the Support of the Disabled (LARDEF) claims that the number is 1,2 million. However, according to statistics obtained by the INSS, in 2014 the organisation responsible for social security establishes that there are 170 000 people with disabilities in Angola.2
According to statistics obtained from the INSS in 2014, the total number of women living with disabilities in Angola is 79 900.3 This constitutes 0,7 per cent of the total population of women living with disabilities in Angola.
There is no nationally-acquired statistic highlighting the number of children living with disabilities in Angola.
According to statistics obtained from the INSS, the most prevalent forms of disability are the following:4
Angola acceded to the United Nations Convention on the Rights of Persons with Disabilities (CRPD) on 19 March 2014.
Angola acceded to the CRPD on 19 March 2014. Angola was scheduled to send an initial report to the Committee of the CRPD on 19 March 2016, which marks two years since it acceded to the Convention. However, at this stage there is no information confirming that such initial report was sent to the Committee. After the initial two reports, Angola's first state report on the status of the implementation of the CRPD is due to be submitted on 19 March 2018. The government department responsible for the drafting of such a report is the Ministry of Justice and Human Rights in co-ordination with the Office of the Presidency.
Angola follows a semi-monist approach to international law, meaning that after the state ratifies a treaty, such treaty law is first made public in the Diario da Republica. Only after this has been is done is such law domesticated. To that end, following ratification of international instruments, such law is not immediately made national law. As per Angola's regional reporting mechanisms under the African Charter on Human and Peoples' Rights (African Charter), Angola submitted its national report on the implementation of the African Charter in 2010, and observed:5
The high number of persons with disabilities, in particular amputees, is related to the effects of the armed conflict which ravished Angola for nearly three decades. A contributing factor was the weak state of the health system and a lack of programmes which would aid in prevention of ailments, such as congenital conditions, which was further compounded by the low level of education within the Angolan populace. Persons with disabilities are faced with a number of problems arising from factors related, among others, to health (difficulty in accessing health services, shortage of special equipment, difficulty in accessing medical assistance and curative medicine, insufficient rolling stock and a meager compensation plan due to the lack of financial resources).
As a result, the Angolan government has undertaken to establish:6
With regard to the Universal Periodic Review (UPR), Angola last submitted a report for review in December 2010.7 A reference was made regarding the rights of persons with disabilities under the UPR report of 2010. The report observes that persons with disabilities benefit from 'special services', especially targeting physical rehabilitation, schooling, vocational technical training, work orientation and psychosocial counselling aimed at reinsertion in the community without discrimination or stigmatisation.
Regarding domestic effects on Angola's legal system as it relates to court decisions, Angola does not publicise its cases. Regarding reporting to the Committee of the CRPD, Angola acceded to the CRPD on 19 March 2014, as per regulations its initial report was due on 19 March 2016. At the time of writing, no information regarding the status of such report could be found.
However, Angola submitted its national report in 2010 on the implementation of the African Charter on Human and Peoples' Rights. As a result, the Angolan government has opted to establish community-based rehabilitation projects. This project includes physical rehabilitation, education, technical and professional training, career guidance, and community-based psychosocial follow-up, the idea being to integrate persons with disabilities within their own communities.8
Second, social integration projects have been developed with a view to gradually reducing discrimination and stigmatisation faced by persons with disabilities. These projects include agricultural production, animal husbandry and professional training.9
Angola follows the semi-monist principle and, as a result, treaties ratified are published within the Diario da Republica (national gazette) and thereafter become law. Angola has ratified a number of international instruments and regional treaties, including the International Covenant on Civil and Political Rights (ICCPR), the CRPD, the African Charter and the International Covenant on Economic, Social and Cultural Rights (ICESCR). However, Angola has difficulties in complying with its reporting obligations.10 In respect of the UPR, Angola submitted its last report in February 2010. The UPR submitted by Angola made reference to persons with disabilities. A number of recommendations were made to Angola regarding the framework of the protection of human rights, of which Angola accepted the following:11
Despite the acceptance of these recommendations, at present no data is available indicating whether Angola has followed through with the recommendations. In compliance with recommendations by the African Commission, Angola has established community-based rehabilitation projects and social integration projects with the objective of gradually lowering levels of discrimination and stigmatisation faced by persons with disabilities.12
Article 54(2) of the Constitution states that the right to vote may not be restricted except with regard to the incapacities and ineligibilities prescribed in the Constitution. This provision, however, is very vague in nature. It does not spell out the degree of disability which would render a person incapacitated and ineligible. The same criticism applies to articles 129, 130 and 153 of the Constitution. These articles all mention incapacity in the form of mental illness, but do not clarify the level of disability which would constitute an individual being incapacitated to perform a particular function.
Angola has enacted different pieces of legislation that mention people with disabilities or deal with issues relating to disabilities. The following table sets out the most prominent legislation that mentions or refers to disability-related issues:
Concerns grants made by the government to citizens who are prevented by disability or other forms of permanent incapacitation from doing any form of work. To be eligible, a person with a disability must not be a beneficiary of any other social assistance regime, or have private sources of funding.
Draft Baseline Law on Social Protection (Act 7/04 of 15 October 2004)
Gives guidance on the norms that should govern national policies on the protection of vulnerable groups. Article 4 of this Law (paragraphs (b), (c) and (d)) describes the objective of basic social protection, which is to improve the wellbeing of individuals, families and communities by guaranteeing all citizens a minimum means of livelihood. This is to be achieved through assistance to people and families in especially difficult circumstances, whether due to unpredictable circumstances or any other cause beyond their control.
National Rehabilitation Institute Act of 1991 established by Decree 6-E/91 of 9 March 1991)
Establishes the National Rehabilitation Institute (INR), a government organ responsible for the development of a national policy of rehabilitation for people with disabilities. Its duties include planning, co-ordinating and controlling all projects relating to rehabilitation. The Institute, which works under the oversight of the head of state, is presided over by a president, assisted by a vice-president.
Law 7/05 and Decrees 38/98 of 6 November and 46-C/92 of 9 September 2007
Provides family allowance and the law on support which strengthens the progenitors' responsibility with regard to the support of their children.
General National Police Command, by Order 242 of 11 October 2005
Establishes the conditions for awarding, acquiring, losing and reacquiring Angolan citizenship.
Furthermore, the Basic Law of Social Protection makes provision for the protection of vulnerable groups, both women and children.
Article 5 of the Social Protection Law states that basic social protection covers the resident population, which is in a situation of a lack, or reduction of substantial means and cannot take full responsibility for their protection. According to article 5 these individuals are the following:
Regarding children's rights, Angola does not have any comprehensive legislation dealing directly with children's rights, such as comprehensive children's legislation. Rather, such legislation is found within Angola's constitutional law, resolutions of the national assembly, presidential decrees ministerial dispatches and resolutions. An important aspect is that ministerial dispatches are legislative in nature.14
Furthermore, there also seems to be some inconsistencies regarding the discrimination clause as it applies to children with disabilities. The Committee on the Rights of the Child has been critical of the law in allowing both girls and boys to marry under the age of 18 years without supervision by the courts. Girls are able to marry from the age of 15 years, whereas boys may marry from the age of 16 years. Despite the fact that the Constitution contains an anti-discriminatory clause, the Committee still highlights concerns relating to the safeguarding of the rights with children with disabilities, in particular highlighting those with HIV/AIDS. Furthermore, the CRC is directly enforceable in Angola, as article 26(3) of the Angolan Constitution permits that in the event of disputes that arise with regard to the nature of fundamental rights, judges an analysis of international instruments even if such conventions have not been raised by the parties themselves. Therefore, despite guarantees, as seen within the law, there is still a tension between the law and its implementation. This problem is compounded by the difficulties faced by minority groups in accessing justice, in particular persons with disabilities.
Article 21(d) of the Constitution of Angola provides that the state will promote the well-being, social solidarity and improved quality of life of the people of Angola, especially among the most deprived groups of the population. Article 21(h) further provides for the promotion of equal rights and opportunities between Angolans, regardless of origins, race, party affiliation, sex, colour, age or any other form of discrimination.15
Article 23(1) of the Constitution maintains that no one may be discriminated against, privileged, deprived of any right or exempted from any duty on the basis of ancestry, sex, race, ethnicity, colour, disability, language, place of birth, religion, political, ideological or philosophical beliefs, level of education or economic, social or professional status.
Law 8/04 on HIV and AIDS (2004) protects the rights of persons living with HIV, in particular the right to employment, free public health care, and confidentiality.
Article 77 of the Constitution states that the state shall promote and guarantee the measures needed to ensure the universal right to medical and health care, as well as the right to child care and maternity care, care in illness, disability, old age and in situations in which they are unable to work, in accordance with the law.
Law 7/05 and Decrees 38/98 of 6 November and 46-C/92 of 9 September 2007 establish a unit which allows for government to support families in need. This Law also indirectly targets persons with disabilities who are in a position where they cannot work due to their disability.
Law 13/01 of 31 December 2001 is the framework law on the education system. It establishes the national education plan as part of its objective to better produce an environment which makes it easier for persons with disabilities to receive an education.
No data is available on the decisions made by judiciary in Angola in respect of an issue or issues relating to disability. This is so mainly because of the fact that case law does not generally play a particularly strong role in the formation of Angolan law. Furthermore, the Supreme Court (Tribunal Supremo) and the courts in general do not report cases.16
Establishes a programme to assist street children, the community education programme, and support for children in difficulty.
Law 7/05 and Decrees 38/98 of 6 November 2007 and 46-C/92 of 9 September 2008
Makes provision for family allowance and the law on support which strengthens parents' responsibility with regard to the support of their children.
General National Police Command, by Order 242 of 11 October 2010
Law 13/01 of 31 December 2001, the framework law on the education system
Establishes the National Action Plan for Education for All (PAN/EPT 2001-2015) and an Integrated Strategy for Improving the Educational System (2001-2015) which aim to ensure that all children have access to basic and compulsory education.
The Angolan education system was initially designed without a human rights approach, and, as such, human rights as a subject is not specifically enshrined in the school curriculum. However, the Ministry of Education, in collaboration with other public entities and civil society organisations, has begun the process of adopting human rights approaches in various sectors of government. This has been done by establishing a Co-ordinating Committee for the Integration of Human Rights in Subsystems Primary and Secondary Education. This Committee has proceeded to establish methodological guidelines for both primary and secondary education so as to mainstream human rights education. In addition, in 2013 the government began training teachers on human rights issues in order to introduce this subject to the school curriculum.17 Regarding programmes directly impacting persons with disabilities, the Angolan government has set up a programme supporting persons with disabilities with no means of transport with transportation and technical assistance, and community-based rehabilitation.18 The programme to provide a means of transportation and technical assistance has provided services for approximately 73 730 persons with disabilities as well as many devices and means of transportation, such as 200 wheelchairs for children, 2 004 three-wheeled manual vehicles, 16 560 guides for the blind, 3 698 pairs of crutches and 8 254 pairs of walking canes.
Angola has enacted different pieces of legislation that mention people with disabilities or deal with issues relating to disabilities. The following table sets out the most prominent legislation that refers to disability:
Declares that 2% of employment vacancies in both the public and private sectors should be reserved for people with disabilities. Under the framework provided by the Decree, employers, whether in state institutions or private businesses, are instructed to absorb people with disabilities into their staff complement. They are also expected to create working conditions that accommodate the requirements of particular disabilities and comply with the norms of hygiene and safety.
Decree 6-E/91 of 9 March 1991 (Instituto Nacional de Reabilitacao)
Establishes the National Rehabilitation Institute (INR), a government organ responsible for the development of a national policy of rehabilitation for people with disabilities. Its duties include planning, co-ordinating and controlling all projects relating to rehabilitation. The Institute, which works under the oversight of the head of state, is presided over by a president, assisted by a vice-president.
The Ministry for Social Assistance and Reintegration (Ministerio da Assitencia e Reinsercao Social (MINARS)) has the objective of controlling policy in the area of education, assistance in social reinsertion with a perspective of social and human development and the promotion of social inclusion and reintegration.19
Established by Presidential Decree 1/10 of 5 March 2010 the Secretary of State for Human Rights (SEDH) has the objective of promoting and protecting the rights of individuals in Angola. The secretariat, driven by a secretary of state, has the mission of formulating and executing policies which promote and protect human rights.20
Established by Decree 6-E/91 of 9 March 1991, the National Rehabilitation Institute (INR) is a government organ responsible for the development of a national policy for the rehabilitation of persons with disabilities.
Although not focusing solely on disability rights issues, the following organisations address violations of the rights of persons with disabilities.21
Although not an official body dealing specifically with the disabled, it focuses significantly on addressing issues relating to the disabled. 'MINARS is the government department most involved in projects dedicated to the disabled.'
In Angola, MINARS is the government body responsible 'for supervising and co-ordinating the implementation of social policy on the most vulnerable groups of the population, ensuring their rights and promoting their development through measures that report the implementation of basic social policies of rehabilitation and social care'. 22
The National Family Council is a an organ of the Ministry of Family, the consultative organ which meets annually to discuss issues related to the family in Angola in various fields of national life. 23
Angola has an Office of the Ombudsman established in terms of article 192 of the Constitution. The Ombudsman and Deputy Ombudsman are elected by the National Assembly on the decision of two-thirds of members in full exercise of their office.
Article 192(4) of the Angolan Constitution provides that citizens and corporate bodies may present the Ombudsman with complaints concerning acts or omissions by public authorities, which they shall consider, with no powers of decision, submitting the necessary recommendations for the prevention and remedying of injustices to the appropriate bodies.
Furthermore, article 192(5) goes on to state that the activity of the Ombudsman shall be independent of the means for ruling on appeals or disputes provided for in the Constitution and the law.
Angola also has an office of the public prosecutor, established by section 3, article 185 of the Angolan Constitution. Under article 186 of the Constitution, the public protector is responsible for representing the state, defending democratic legality and the interests defined by law, promoting the penal procedure and conducting penal actions, under the terms of the law.24
Presidential Decree 1/10, of 5 March 2010 establishes a Secretariat of State for Human Rights (SEDH). The SEDH has the mission of formulating, executing and evaluating the policies of the Angolan state with regard to the promotion and protection of human rights in terms of the Angolan Constitution and international conventions.25
Angola has a number of DPOs advocating for persons with disabilities. The following table sets out the most prominent of these DPOs.
Federation of Organisations of Disabled People in Angola (FAPED) (the umbrella body for DPOs)
FAPED is the national affiliate of the Southern African Federation of the Disabled (SAFOD) in Angola.
FAPED appears in the ambit of the self-representation of the associations of disabled people at both national and international levels. It aims to co-ordinate the actions of its members to partner with the Angolan government in developing disability politics and including it in the national politics of development.26
The aim of FAPED is to represent associations of disabled people at national level and to participate in discussions with government about the policies linked to people with disabilities'
National Association for the Near-Sighted and the Blind (ANCA)
The ANCA assists persons with disabilities with accessing medical facilities and employment opportunities. The ANCA is however still in its embryonic stage.27
In this region, DPOs do not function under any kind of umbrella body, but rather function through coalitions and networks working in different thematic areas
Information on the structuring of DPOs in Angola could not be found. However, although the structures of the internal organisation of DPOs in Angola could not adequately be found, it was evident that, internally, Angolan DPOs are associated with organisations such as the Open Society, Human Rights Watch and Amnesty International, which serve as platforms of advocacy for their issues. Angola has ratified the CRPD. Despite the government having worked with organisations such as the Lwini foundation, the National Association of the Disabled in Angola, the Angolan League of Support and Reintegration of the Physical Disabled,28 there is no evidence that the Angolan government has involved DPOs in the implementation process of legislation relating to persons with disabilities.
DPOs in Angola have extensively lobbied the Angolan government to be included in the process of formulation and implementation of policies relating to persons with disabilities. More direct approaches have been made by creating both internal and external advocacy campaigns of the situation of persons with disabilities, and aware-raising campaigns.
However, despite these interventions, it has been acknowledged that, although equal rights for disabled persons in Angola are central in the Constitution, these rights are insufficient unless persons with disabilities are helped to exercise these rights. The disabled need a range of practical support measures that will help them to overcome the many barriers they face on a daily basis.29
The main barriers faced by DPOs are that, despite the government having acceded to the CRPD, the subsequent effects are not felt domestically.
No data has been recorded with regard to best practice models for ensuring the proper involvement of DPOs.
The following organisations operating in the areas of disability work in the Southern African region
Although the above-mentioned organisations have worked with local organisations in Angola, there has been limited implementation of disability rights projects in Angola. Furthermore, there does not seem to be any academic institutions openly supporting the work of DPOs.
To date, there is no legislation pertaining solely to persons with disabilities. However, although Angola has recently ratified the CRPD, a successful outcome would be its implementation at domestic level, along with more co-ordination with local DPOs.
DPOs in Angola seem to be doing effective work in the area of disability. However, most organisations lack proper institutional backing by government. Such effectiveness is also compounded by a lack of technical expertise on the ground, compounded by a massive brain drain, which hampers the effectiveness of established organisations which support the disability rights frameworks, inhibiting them from fully and effectively lobbying government institutions.
Furthermore, there seems to be a difficulty with communication between DPOs already operating in Angola and those in the region, due to a gap in the technical and informative skills held by the leadership of a great number of DPOs in Angola. This has hampered adequate and valuable communication and sharing of best practices with other DPOs in the Southern African region.
The research conducted regarding persons with disabilities in Angola has revealed that DPOs in Angola suffer tremendously due to a lack of technical expertise. Such a deficit minimises the way in which these organisations' vision and objectives are disseminated to the public and interested parties.
It is, therefore, recommended that DPOs in Angola set forth mechanisms that would make clear to government the importance of domestically implementing the provisions of the CRPD. Second, a clear strategy is necessary on how to develop a national plan of action with the co-operation of all major DPOs in Angola.
The following organisations in the area of disability work in the Southern African region:
The Ministerio da Assitencia e Reinsercao, although not specifically focusing on issues of disability as part of its mandate. Furthermore, its mandate also deals with formulating policy, which promotes inclusion and social integration.30
The Angolan Department of Education undertakes the education of children with disabilities.31
Furthermore, the Ministry of Education and Social Integration works in collaboration in the area of education. This collaboration also includes education by providing an environment for learning of those with disabilities.32
Despite the Constitution of 2010 which protects the fundamental rights of all citizens, persons with disabilities still face a number of challenges. First, access for persons with disabilities to the labour force remains difficult. Persons with disabilities still face grave discrimination in obtaining employment, and in situations where they do find employment, the work environment is not conducive to them to work adequately. Although article 3(1) of the Labour Law promotes the principle of equality, no mention has been made of this where persons with disabilities are involved.
Second, a social stigma exists, namely, that persons with disabilities are not entitled to legal recourses but, rather; the little that is being done is an act of charity. In interviews conducted by the Open Society Initiative, interviewees stated that the integration of persons with disabilities within broader society should not be one of charity, but rather one of human rights.33
Lastly, another major challenge, encapsulating the above two, pertains to access to justice of persons with disabilities. Angolan society is not very open to the needs of persons with disabilities, despite there being legislation that speaks in the language of equality. In reality, this is not the case.
The lack of education among persons with disabilities is also a major contributing factor, which prevents them from understanding their legal rights.
Despite its international agreements in the domain of human rights, Angola is still lacking as far as the implementation of these laws is concerned.
There is an exclusion from the right to vote and to stand for election inscribed in Angola's Constitution and electoral laws, directed at persons with psychosocial disabilities.34
According to the Angolan Constitution, participation in public life is fundamental, and enshrined in the Constitutional Act. However, this is limited in cases of persons with mental disabilities. It is important to note that the severity of the disability was not specified.
Such open-ended limitations may be problematic and open to abuse, especially as it would inevitably infringe on the right to equality, and participation in the political life of the state.
According to public policy, persons with disabilities benefit from special services, especially targeting physical rehabilitation, schooling, vocational technical training, work orientation and psychosocial counselling aimed at reinsertion in the community without discrimination or stigmatisation.35
According to the Angolan government, under the UPR submitted in February 2010, '[i]n the years 2005-2006, 20 877 persons with disabilities were looked after, 30 per cent of the total objective for those years'.36
Article 83 of the Constitution grants persons with disabilities full rights without restriction and calls on the government to adopt national policies to prevent, treat, rehabilitate and integrate people with disabilities; to support their families; to remove obstacles to their mobility; to educate society about disability; and to encourage special learning and training opportunities for the disabled. It does not specifically mention the rights of persons with disabilities with regard to transportation, including air travel (Republic of Angola 2010 Constitution).
Despite the enactment of these decrees and legislations, the important question remains of equal access to the workplace and to educational institutions. This is because, despite persons with disabilities having legal rights to non-discrimination, where the implementation of these rights on the ground is concerned, this is lacking.
Access to education is, therefore, limited; because of the fact that the government does not make the environment for learning conducive for persons with disabilities, for instance, modifying the physical environment to accommodate these persons. There is also a lack of trained teachers who are in a position to adequately assist students with disabilities.
The current debate in Angola is about civil society organisations advocating for the rights of disabled persons on mechanisms the government should take to ratify the CRPD and its Optional Protocol.
Angola is a country on the brink of economic and social development after the civil war lasting almost three decades. However, with this rate of development, the inequality gap is one which is steadily rising. Added to this, there is the neglect of fundamental rights, in general, and, more specifically, as far as persons with disabilities are concerned. Although Angola is party to international conventions and is attempting to put forth legislation to address the issue of disability rights, these steps have not been very effective.
1. http// www.cdi.inss.gv.ao (accessed 17 June 2015).
5. African Commission on Human and Peoples' Rights, Second periodic report, Http//www.achpr.org/states/angola/reports/2nd 1999-2010 (accessed 20 June 2015).
7. http//www.univie.ac.at/bimtor/dateien/angola_upr_2010_report.pdf Human Rights Council 'National report submitted in accordance with para 15(a) of the annex to Human Rights Council Resolution 5/1*' 19 February 2010 (accessed 16 June 2015).
10. http//www.osisa.org (accessed 7 March 2015); Open Society Initiative for Southern Africa, Country Profiles Report Southern Africa Disability Rights and Law School Project 2012.
11. http://www.upr-info.org/database (accessed 12 August 2016).
16. http:// www.crin.org/en/library/publications/angola-national-laws (accessed 15 June 2015).
17. http://www.crin.org/en/library/publications/angola-childrens-rights-references-universal-periodic -review (accessed 10 August 2015).
23. http://www.portalangop.co.ao/angola Agencia Angola Press 'Encerrou Conselho Nacional da Família em Catete' 12 July 2013.
24. http://www.governo.gov.ao/Organismos.aspx?op=SG (accessed: 21 June 2015).
26. http://safod.net/Angola.html (accessed 23 March 2015) The Angolan Federation of the Association of People with Disabilities.
27. http://www.afub-uafa.org/southern-africa (accessed 24 March 2015) 'African Union of the Blind'.
28. http://www.portalangop.co.ao/ (accessed 10 May 2016).
34. Submission to the human rights committee on the right to vote of persons with disabilities in Angola, 107th session, 2012 http//www.ida.org (accessed 27 March 2015).
35. Human Rights Council national report submitted in accordance with para 15(a) of the annex to Human Rights Council Resolution 5.1, 19 February 2010, http//www.univie.ac.at (accessed 27 March 2015).


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BC Christian Academy first began its International Program in 1992, to allow students to experience another culture while receiving a high quality education. Our world is becoming increasingly smaller and it is now more important than ever to break through the cultural barriers that separate our nations. Today's students will play important roles as leaders of tomorrow.
Our International Program was developed to allow students to experience another culture while receiving a holistic and high quality education. We focus on helping students grow and succeed through academic achievements, sporting excellence, character building, fine arts aspirations and missions and community service. Students who need additional exposure to the English language are placed in small English preparatory classes to accelerate their English proficiency. As soon as they are ready, they will join the regular class program in their respective academic grade level.
Depending on the various needs and requirements, International students can choose from our wide ranging International Study Programs:
- Elementary School
At these levels the curriculum provides opportunities for the children to develop at an optimum rate academically. Our small teacher-student ratio allows for individualized attention as the child begins to develop interest in reading and writing as well as concepts and ideas with Mathematics, Science and Social Studies. For more information please contact the office.
- High School
BCCA's High School curriculum is aligned with the British Columbia Ministry of Education Diploma Graduation Program. Grade 12 students will be awarded the High School Dogwood Diploma if they fulfill the requirements of the graduation program. For more information please contact the office.
- Short Term/Winter ESL School (Integrated ESL Program)
Students looking for opportunities to experience studying in a Canadian School can choose to be enrolled for as short as one month and up to a period of six months, studying the English Language in an accelerated program. This is a unique integrated program where students get the opportunity to be immersed in the regular class room programs for part of the time and be taught intensive ESL (English as second language) for the other half of the school hours.
- Summer ESL Program (customizable with group application)
Study Tours have become an integral part of learning in many schools around the world. Learning is no longer restricted to within the four walls of the classroom or even within the country. BCCA Summer ESL Program is designed to combine both ESL learning and field trip activities, creating a positive experiential learning experience which will be etched in your memories for a long time. This program is customizable according to your preference and is dependent on the group size and age of the participants. A parent participation program can also be included upon request.
At British Columbia Christian Academy, we strive to keep low numbers from any one country so that students can maximize their English development. Students are introduced and make friends with not only those from the Canadian culture, but also from cultures from many countries throughout the world. In addition, they will learn what it is like to be part of a safe, caring and loving Christian environment where all people are treasured as God's creation.
BCCA Homestay Program
Host Families are carefully selected by our dedicated Homestay Coordinator, ensuring our International Students are provided with a safe and comfortable family environment. Host Families must fulfill a set of stringent criteria before being accepted to host any students in our community.
BCCA Homestay Program offers a rich and rewarding immersive homestay experience for both the Students and Homestay Hosts, sharing cultural experiences and information with each other. All students are placed in English speaking homes where they get ample opportunities to interact and converse in English, hence improving their grasp of the English language very quickly. (At the request of parents, BCCA can also provide homestay families of similar cultural background as the student).
Every month, a comprehensive report is prepared and sent to the student's parents overseas or to their guardians. At BCCA, we make the well-being of our International Students our top priority!
To read our International Program brochure in Chinese, click here.


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U.S. Senate Passes Webcaster Act
The U.S. Senate passed the Webcaster Settlement Act of 2008, sending it to President Bush's desk for signature two days after the U.S. House of Representatives okayed the bill.
The bill allows for SoundExchange, on behalf of copyright owners and performers, to negotiate with Internet radio services through 2015, an alternative royalty agreement while Congress is in recess.
The negotiations are aimed at setting aside a 2007 decision by the Copyright Royalty Board that set a royalty rate that Internet radio participants said would endanger the fiscal health of webcasting. If the President signs the bill and new royalty agreements are reached, it would set a royalty rate retroactive to 2006, and allow for a framework that could resolve future disputes through 2015, according to an announcement by the Digital Media Association (DiMA).


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- Do the preparation activity to help you with words from the video.
- Watch the video then play the game to check your understanding.
- Print the worksheets for more practice.
- Read our discussion question and leave a comment!
What did you do at school today? Write a comment and tell us about it!
AlwaysCrowPluto replied on Azerbaijan Permalink
it is very good to make communication with somebody
FlyingGoldWagon replied on Pakistan Permalink
CuteMetal999 replied on Pakistan Permalink
i liked the video presentation .
LadyGoodPenguin replied on Argentina Permalink
i like it !!!
EatingGuitarGoggles replied on Mexico Permalink
i dont like this video
SilverChipmunkA... replied on Mexico Permalink
its fuuny
PrincessDrumCoast replied on Mexico Permalink
i liike the video because i like the school and playing wthi my friends
PrincessPyramid... replied on Mexico Permalink
Hello my name is majo. The video is funny.
I like video is funyyyyyyyy
bye byeeeeeee
LadyYellow5 replied on Russia Permalink
That is a nice video, as for grammar it is rather helpful :) Thank you, I look forward to a new one ^_^
MissInternetEarth replied on United Kingdom (Great Britain) Permalink
I'm happy to read that you enjoy learning grammar with our grammar videos.
Have you tried some of our grammar games?
Best wishes
LearnEnglish Kids team


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LOOKING FOR NORMAL by Jane Anderson
Roy is a middle-class mid-Western John Deere employee who, after 25 years of marriage and fatherhood, finally faces his life-long secret: he believes he is a woman in a man"s body and wants a sex change operation. "I don"t believe you"re a woman. Only a man could be so selfish!" screams Irma, Roy"s beloved wife, and mother of their two children, 22-year-old Wayne and 13-year-old Patty Ann.
Anderson"s humor leavens the realism, perception and poignancy with which she treats a gender issue that could be confusing, camp or tragic. Her play opens in the rectory where Irma, knowing that something is wrong, has dragged Roy for a conference with their pastor, Reverend Muncie. Roy has blinding headaches and a limp libido and, with Irma out of the room, he confesses to the startled Reverend that he has been seeing a psychiatrist, decided to have a sex change operation and is ready to tell his wife. Right now.
We follow the changes in Roy"s life through his final metamorphosis into dresses, high heels and long hair. Most dramatically, we see highlights of the effect on his family: Irma, who throws Roy out, tries kissing another man, saves Roy from suicide and finally realizes, when the Reverend urges her to move on, that Roy is her life. That raises major questions for son Wayne, a roadie for a rock band, who comes home for Thanksgiving. When he finds out his parents are sharing a bed again, he blows up at his dad. "As a man, you'2012-03-08 21:52:03're straight. As a woman, you"re gay. Does that make Mom a lesbian?"
Budding teen-age Patty Ann is more fascinated by and accepting of her father"s change. She asks all those physical questions: "Will you have breasts? Long hair? Shave under your arms?" Struggling with the disturbances of puberty and the disadvantages of her own suddenly awkward body, Patty Ann can"t understand why any man would want to change to a woman.
There"s also the job and the parent issues. Roy"s boss Frank finally decides to promote him early and get him out of the warehouse where the guys would beat him up. Frank and his wife are splitting and he and Irma exchange bewildered condolences and a passionate kiss that makes Irma realize that, without love, the physical doesn"t do it for her.
Roy"s father, Roy Sr. is a farmer who goes through four daughters before getting the son he craves. His traditional macho values make him very tough on the boy. Roy"s mother Em is a warm tender woman who says, "I will always love all my children. Somebody has to."
Anderson extends her play with monologues from Roy"s late Grandmother Ruth who abandoned her husband and 3-year-old son to drive ambulances during the war in Europe and just never came home. Ruth"s main function seems to be to clarify the varieties of love she enjoyed. She has a beautiful speech about not minding what she touches – male, female, an old person"s wrinkles, a roll of fat, a sexual part – "when they belong to someone I love".
Ruth"s character raises some questions which the playwright has left hanging. Although Roy names his new self after her, he doesn"t know anything about her except that she left the family. Roy Sr., in his dotage, cries for the mother who abandoned him and who, in a monologue, justifies herself somewhat guiltily by saying he should be raised by people who were better parents.
There are other Anderson extensions such as diagrams of sexual parts explained by Wayne and Patty Ann respectively.


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MongoDB Replica set Scenarios and Internals – Part 1
The MongoDB® replica set is a group of nodes with one set as the primary node, and all other nodes set as secondary nodes. Only the primary node accepts "write" operations, while other nodes can only serve "read" operations according to the read preferences defined. In this blog post, we'll focus on some MongoDB replica set scenarios, […]Read more


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Wings Financial is proud to give our members in Eagan a full-service branch to serve your financial needs. Our branch, conveniently located off Denmark Avenue, is available for attentive personal service while our robust online and mobile services allow you to do your banking virtually anywhere!
3240 Denmark Ave
Eagan, MN 55121
(952) 997-8000
Monday-Friday: 9:00am-5:00pm
Saturday: 9:00am-1:00pm
Sunday: Closed
Monday-Friday:7:00am - 7:00pm
Saturday:9:00am - 1:00pm
Here, you're not just a number in the system. You're a member-owner in one of the country's top credit unions. Wings Financial is a not-for-profit institution dedicated to helping members get ahead with money-saving services and real-life money skills. Take the next step – join the Wings family.


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The town is located inland in the southwestern part of Bohol. It can be reached through an all weather road. The municipality of Sikatuna is a fifth class municipality with a total land area of 2,675 hectares or approximately 0.93% of the area of Bohol Province. It has ten (10) barangays with a total population of 6,130. There are 1,127 households or an average of 5.35 persons per households.
The Municipality of Sikatuna situated inland in the southwestern part of Bohol about 16.6 kilometers from Tagbilaran City, the capital of Bohol as shown in Figure 1.01 and Figure 1.02. it is bounded in by the Municipalities of Balilihan and Sevilla on the south and southeast by the Municipalities of Alburquerque and Loboc on the East by the Municipalities of Loboc and Sevilla on the West by the Municipality of Corella.


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Automotive Marketing is Changing – Ford Fiesta uses Online Reservation System
Within a week after launching its new website for the Fiesta, Ford has received over 1000 reservations. (See official press release.) In a year where automotive manufacturers are cutting advertising costs (automakers spent 30% less this year as compared to last year to date – see source) Ford is finding


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Like the 2011 and the 2013 editions of the SAFF Cup, hosts India are up against defending champions Afghanistan in the final of the 2015 SAFF Suzuki Cup.
As team India locks it's horns against Afghanistan at the Jawahar Lal Nehru stadium in the SAFF Cup final today, TheHardTackle covers every minute as the action unveils in the capital.
SAFF Cup 2011 : India v Afghanistan - LIVE Score Updates.


text: VIDEO: Launchpad App - how to import samples and loops 01 March 2016 15:49 Updated Applies to: Launchpad App Related articles Can I use my own sounds and loops with the Launchpad app? Loopmasters // Remixing Launchpad Arcade Projects Launchpad Mini Bundled Software Launchpad Pro Bundled Software No sound from my Launchpad Was this article helpful? 1 out of 2 found this helpful