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Join Date: Dec 2006
Location: Calgary, Alberta
A primer on life insurance
Life Insurance might not be particularly exciting, but for many of us its a necessary evil. I figured I would write-up a primer for you here to know what's available, how it operates and some basic Q&A that I receive a lot. Feel free to ask away if I missed things here or there are any other questions you have! I should mention that I was one of three consultants across Canada for the new life insurance licensing qualification coming out. I point that out not to impress you, but impress upon you that I do know my stuff in this area!
First, there are two main types of life insurance. Term insurance and permanent insurance. Term insurance generally stays in force until age 80, and the costs increase every ten or twenty years that the policy is in force. There are some other types of term coverage available, with those ten and twenty year options being the most common. Permanent insurance basically is just what you would expect; it stays in force for your lifetime as long as the premiums are covered (a little more on that later).
With term insurance one of the options almost always available is to convert the term policy to a permanent policy. There is also a term-life option available once you hit a certain age, and that policy stays in force for life and the premiums do not increase. The other frequent use of the term policy is for shorter term things such as debts (mortgages are incredibly common) and then once those are taken care of or drastically reduced the policy can either be reduced and converted to permanent coverage or canceled altogether.
Permanent insurance often carries with it an investment or dividends, or both. So if the cost of insurance is say $400/year, the premiums paid might be say $500, and the extra $100 builds up a cash value. These policies accrue dividends and there are a number of options for how those dividends are directed. They may buy more coverage, pay premiums for you so that you can stop paying, or a couple of other choices. Permanent coverage generally is built so that the premiums stay level throughout the lifetime of the policy, but aren't always. The important thing to recognize though is that the insurer is expecting that they will eventually payout here. While term policies are canceled as you age and the price increases, people are more inclined to keep permanent policies where the price doesn't increase. There are two main types of permanent coverage; Universal Life and Whole Life. Universal Life is essentially a policy with an investment account stapled to it. A whole life policy is one where you receive the dividends as I explain above. Either way, these are the kinds of policies you might have heard about where people pay for a certain period of time and then the policy funds itself.
That's a quick review of the major types of contracts available...there are more! Here are some of the more frequent Q&A I tend to receive:
Are you covered for certain things and not for others?
For a standalone insurance policy, which is what I am talking about here it only matters how you die in a few circumstances: suicide if the policy is less than two years old, or an illegal act. If you didn't intentionally misrepresent yourself in the application, and withhold pertinent information, the insurer will review your case and it's very fair. It doesn't matter whether you are ill, have an accident or some other unforeseen thing takes place. These policies cover those events.
Can I name my children as beneficiaries?
Yes you can do that, but if they are under 18 when you name them as beneficiaries you will need to name someone as trustee for the funds.
What is a contestability period?
Basically the insurer has two years to contest the application in the event that you have misrepresented yourself. This has to be a material misrepresentation and would include things such as smoking status, sex, or things like that which would materially affect the policy.
I have a couple cigars on the golf course every year...but I'm not really a smoker?
I get this kind of inquiry all the time. Basically if you have a dozen cigars a year you are a non-smoker. If you have one cigarette though, you're a smoker. Sometimes we can argue this and some companies are more flexible than others. Sometimes they look at your whole picture and go through those decisions.
How strict are companies with health issues and medical history when it comes to issuing policies?
This is a gray area really. I argue all kinds of cases and issues with the insurers to varying degrees of success. Sometimes they're unrelenting, and will issue a policy but only where the premiums are higher. Sometimes we can get coverage at the standard rates with a bit of arguing our case and trying to reason with them. I have had cases where we get a poor offer from one company and plead our case to another to receive a standard offer; there are a lot of factors here and I'm willing to go to bat for my clients!
Hopefully this gives you some information about life insurance and how it works. If you have questions, feel free to ask them here (it would be great to have a little discussion in this sub-forum!) As always though, feel free to PM me or contact me directly if you like.
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Do many term life policies include physicals to determine rates?
If so, how much of a swing would you see for a healthy person, average and unhealthy person?
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Location: Edmonton
You may prefer not to answer this one, but is the best rate for a term policy typically through your current insurance broker (house and auto) or is it worth shopping around?
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Originally Posted by
Do many term life policies include physicals to determine rates?
If so, how much of a swing would you see for a healthy person, average and unhealthy person?
The rates can actually vary quite a lot. Usually what I do is quote the average premiums for people, where they are of "average" health. Your personal situation can mean that you pay less than those averages (if you are healthier than average) or you can pay more (if you have some risk factors that in the eyes of the insurer increase the risk of death as compared to other people in your class.
It gets a little more complex than that because you can have an offer from an insurer for rates higher than you like, and we can apply elsewhere an attempt to get a better offer.
Lastly, about physicals, some applications do not require physicals. So for example some can be completed purely over the phone these days, and some can be completed only by a questionnaire which requires no physical, although they may want one after those answers. There are also some policies that have no physical required due to the amount of coverage being smaller.
I should add that I'm talking purely about policies that are standalone policies. They are not going to require underwriting at the time of claim, or providing the coverage only after a time period has elapsed or other stipulations. There are some policies that are guaranteed to be issued (with very few qualifications).
Originally Posted by
You may prefer not to answer this one, but is the best rate for a term policy typically through your current insurance broker (house and auto) or is it worth shopping around?
I think its worth shopping around to some extent because if you're talking about a "plain-jane" kind of life insurance policy (without investments attached, and no dividends or things like that) there aren't a lot of differences in the policies themselves. To put this somewhat brutally, the contracts are pretty simple; someone dies and someone gets paid. The death is easy to prove in the vast majority of cases, and the main stipulations are all standardized across companies. So its worth shopping around and seeing what the different companies offer for the same policy. Sometimes the differences are quite pronounced.
Of course I happen to know a guy who could give you some quotes if you like!
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Join Date: Aug 2005
My wife and I are expecting our first child in November, so we started thinking about purchasing some life insurance, should something happen to either one of us.
Do you recommend any reading material that we can do some research on our own? We're not sure what type of contract, the amount we should be purchasing, or even a rough estimate of the cost of premiums would be, so any information would be extremely helpful.
Thanks in advance!
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I can email you a worksheet kind of thing if you like, which would help you to figure out what amount would work? As far as different types of insurance and things like that I could chat with you on the phone or we could have a coffee and I can explain it. I don't know of anything that is all that thorough in explain things, unfortunately. I basically use my initial post here in explaining things to people, so by all means if that leaves more questions than answers I would live to know!
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Join Date: May 2009
My parents recently decided to look at some life insurance policies they had taken out on the kids. They were small policies ranging from 10-30k depending on the child and now that everyone is old enough to cover their own funeral expenses is the best way to cash them out? They have a combined surrender value of about 25k so it would be a nice chunk of change for my parents. 3 of the policies are life 65 policies so does it really make sense for them to keep paying for 25 years on these policies now
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Well I obviously can't tell you on a public forum that you should cancel coverage, because of potential liability issues and things like that. Theoretically though, there are a couple options here that people generally consider:
1) Cancel the policy and collect the cash surrender amount. This is likely taxable, so that is one factor to think of as well.
2) Transfer the ownership of the contract from the parents to the children. This would mean that the children can now designate beneficiaries as well. The big advantage with this is that the children then have a tax sheltered investment going forward as well; it grows without taxes payable. Of course the insurance is a benefit, but oftentimes the values are not very large. The other factor here is that the children now get that cash surrender value when/if they surrender that policy, and that might not be what the parents want to do.
Depending on what the policy is, how much is in there and factors like that, you might also have the option to stop paying the premiums all together, transfer ownership to the children and have it continue building. This would be because the underlying investments are receiving more per year than the premiums. It's hard to guess whether you're in this position, and really what you need is an illustration from the company that holds the policy to see what makes sense.
Of course let me know if you have any questions!
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Hello everyone,
This is Lucia, 22, Italian student, attending classes at the Faculty of Archaeological and Anthropological Sciences, in Pisa's University.
My love for Archaeology started at the age of 5, while watching a documentary about Egypt on the TV.
During years my tastes changed a bit, I'm not so much into Egyptian culture and history; instead, i'm very interested in Ancient Greek Archaeology and Anthropology.
As a student (and obviously as a going-to be archaeologist), I have to do an apprenticeship, working in excavation campaigns or in laboratory.
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'Contagious' explains secret behind infectious ideas
- Book explores power of word of mouth and social influence
- Social media sped information sharing
- Some emotions spur more action than others
Why do some things "go viral" while others fall flat? In his new book Contagious: Why Things Catch On, Jonah Berger, an assistant professor of marketing at the University of Pennsylvania's Wharton School, explores the science of popularity in an age of social media.
Q: Great title. So why DO things catch on?
A: You might think it's about advertising. You might think it's about having a better product or a higher quality product or you might think it's luck. What the book is all about is how word of mouth and social influence more generally drive people to talk about and share things and drive those things to become popular. Marketers could definitely use these tools. But this book is really a psychology book and a sociology book. It's about understanding why people talk and share. You could think about it as understanding conversations -- the science of what we talk about.
Q: How has social media changed this concept?
A: Social media definitely quickened the pace of information diffusion. You used to have to share with one person who shared it with someone else. Now with the click of a button, you can share with a thousand -- five thousand, ten thousand -- others.
Q: Yet you say that just 7% of word of mouth happens online? How is that?
A: We tend to focus a lot on online behavior -- in part because it's easy to see -- but we should remember that lots of social transmission actually happens offline as well. We have breakfast with our family. We see our colleagues at work. We go out to lunch. We have meetings. We're not talking online. We're talking offline face-to-face. While there may be no permanent record of these conversations, they still make up a big part of daily life and have a big impact on our behavior.
Q: You talk about certain emotions that may boost sharing. Which ones do that?
A: We found that any emotion causes people to share. Positive things get shared a little more than negative but more important is if it's an activating emotion. Think about the difference between anger and sadness. Both of those are negative emotions. But think about what you do when you're angry compared to what you do when you're sad. When you're angry, you want to do something and take action. You want to throw something or yell at someone. But when you're sad, you want to curl up in a ball or watch your favorite movie or eat a bowl of ice cream. Excitement is an activating emotion. Contentment is a de-activating emotion. It's not just whether it makes people feel positive or negative but whether it activates them or not.
Q: You mention examples in the book, such as why Susan Boyle's appearance on Britain's Got Talent became one of the most viral videos ever. Can you explain why?
A: Susan Boyle is a great example of high-arousal emotion. That video is extremely inspiring. It is not only remarkable that she's such a good singer, it's surprising. It's awe-inspiring. What our work shows is that high-arousal emotions increase sharing and low-arousal emotions decrease sharing. When you're excited, you are fired up and activated. When you're content, you feel relaxed but don't want to do very much. High-arousal emotion drives sharing.
Q: In your book, you discuss the psychology of discounts. That's another idea that appeals to most of us. Why is it important that humans get a good deal?
A: If something is on a discount and it seems like a big discount, we assume that it's a lucky situation. Whereas, if something is regular price, even if that regular price is low, we don't necessarily see it as opportunity. In the book, we talk about the rule of 100. Imagine a $20 T-shirt and imagine you could have a $5 discount or 25% discount. They're equivalent in terms of how much money off that is. Yet consumers see that and they would say that the 25% off seems like better deal. If you offered 25% off of that T-shirt, more people would take you up on it. But it's not that percentage discounts are always better. If you take a $2,000 laptop and you have a 25% off deal or equivalently $500 off, in that discount people would say that the money — the $500 off — seems like a better deal. The same discount seems bigger when it's represented as a percentage if it's less than $100, but as dollars when it's above $100.
Q: You identify six elements you say drive things to become contagious. One of them is Public — when things are more observable, it makes them easier to imitate, which also makes them more likely to be popular. Talk about Gangnam Style, the Korean pop song and distinctive dance that went viral last year.
A: One thing that really helped make that video popular was there was a public dance to go along with it. Thinking about public signals of private behavior, how does someone know if you like a particular song? It's hard to tell unless they see you listening to it. But what this dance did is it made it more public that people liked that particular music and it was a public signal people adopted even if they weren't listening to the song. Doing that move was a way to communicate they're in the know, but along the way, they're sharing information about the song. They're acting as an advertisement for the song.


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Alfalfa growers who bought Roundup Ready seed but can't plant it need to contact their seed dealers about replacing it with conventional varieties or getting refunds, says a Monsanto spokesman. It seems likely that full refunds will be offered to growers who don't want to switch to conventional alfalfa, but Andrew Burchett, Monsanto public relations representative, can only confirm that Monsanto's technology fee will be returned. Most of the major alfalfa seed companies sell Roundup Ready varieties, and each has its own return policy, says Burchett. Supplies of conventional seed likely will vary among companies, too, he adds.
Planting Roundup Ready alfalfa will be illegal after this Friday as per a March 12 preliminary injunction in the U.S. District Court for the District of Northern California. The injunction came in response to a lawsuit claiming USDA acted illegally when it deregulated Roundup Ready alfalfa in 2005 without first preparing an environmental impact statement. The court order prohibits the sale and planting of the transgenic alfalfa, but states that growers who bought seed before March 12 can plant it provided it's in the ground by March 30.
The judge in the case is scheduled to hear oral arguments April 27 on whether to make the injunction permanent. If he lifts the injunction, Roundup Ready alfalfa could be available in time for late summer and fall seedings. If he makes it permanent, the seed will be off limits for at least two years while USDA does an environmental impact study.
Don't keep Roundup Ready seed betting that the injunction will be lifted, Burchett advises growers. "We're not recommending that anyone hang on to the seed," he says. "We want to show everyone involved that we can do a good job of accounting for the seed that is out there. So there is an effort by the seed companies to secure seed that isn't planted by March 30."
"We're going to do everything we think is appropriate to defend growers' right to choose this technology," says Burchett. "Our goal is to restore that choice for farmers."


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Heard of the #TheistChallenge ? HERE is where I refute their arguments. https://freeatheism.org/claimsrefuted/
NEW – Use Faerie Magic cards to counter absurd god myth believers.. HERE!
Click HERE to go to see merchandise designed by FreeAtheism.org
Note: All graphics on this site are copyrighted ©2014-2015. Where noted, graphics may be shared and used freely, but never altered without permission by freeatheism.org administrators.
Welcome Freethinkers, you are not alone! Whether you are a life long atheist, recently deconverted, skeptical about your religion or want to learn about atheists and humanists… start below to find a variety of resources.
- Find Atheists, Humanists, Specialists, Groups, Calendars, and Events
- Atheist Resources and Information pages on site and off site
- Multimedia, Podcasts, video, pics, books, other
- Represent yourself with graphics and logos (Atheism & humanism)
- Promoting and Celebrating Atheism, Secularism and Humanism
- Reverting to Atheism or just curious how people do it.
- Also visit our ASH Community page to see what we are up to. Help out with the new ASH Violations project.
- NEW: Go to the ASH Tags page!
Welcome Believers of God Myths. Here are some tough things to think about from your local A.S.H. Community:
- Why you already agree that your god doesn't exist.
- Why Even God Couldn't Prove That He Was God
- Believers have no way to know what they worship
- The Horror of what heaven would be like if Hell existed too
- Shameful God Beliefs: Explaining the harms of faith
- Questions we pose to believers to get them to think
- When Should Christians Authenticate Commands From God?
- How is Atheism Freedom? See also Atheist Cake: More about unique atheistic freedoms.
- The definition of Atheism – a well detailed blog to refute believers who insist atheism is only defined their way.
My list of #FF Suggestions for Twitter https://freeatheism.org/2014/02/21/ff/ … Note that list is incomplete but this twitter list is is pretty great: http://twitter.com/FreeAtheism/lists/favs-to-keep-tabs-on
This page lays out the variety: My Common links/posts
Click Contact Me or mail to: email@example.com or on twitter @FreeAtheism
Note: All graphics on this site are copyrighted ©2014-2015. Where noted, graphics may be shared and used freely, but never altered without permission by freeatheism.org administrators.


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http://mmajunkie.com Coming off the first professional loss of his career, Ryan Couture (2-1 MMA, 2-1 SF) will start the process of rebuilding in the fall.
The son of UFC Hall of Famer Randy Couture is scheduled to return at Strikeforce Challengers 19, which takes place Sept. 23 at The Pearl at the Palms Casino Resort in Las Vegas. The event's main card airs live on Showtime.
Sources close to the event today told MMAjunkie.com (www.mmajunkie.com) that Couture's opponent has not yet been finalized.
No other bouts currently are rumored for the event.
The 28-year-old Couture's rise was temporarily halted when Matt Ricehouse outpointed him in June at Strikeforce Challengers 16. Prior to the setback, Couture had racked up two wins against Lucas Stark and Lee Higgins, which built on a 5-1-1 amateur record.
Check back with MMAjunkie.com for an update on Couture's opponent.
And for the latest on the yet-to-be-announced Strikeforce Challengers 19 event, stay tuned to the MMA Rumors section of the site.


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Read Reviews
Features a 9'' tall water and ice dispenser, Luxury-Design® glass shelves, Luxury-Glide® crisper drawers, Luxury-Design® lighting, Perfect Set® temperature controls, a Fast Ice™ option, PureAdvantage® air and water filters and IQ-Touch™ controls.
Slide-out for easy access and are designed to keep spills contained, making them easy to clean.
Our exclusive limited warranty that includes 3-year coverage on parts and one year on labor.1
For those who like to have their options always visible on their refrigerator, the IQ-TouchTM control panel displays all of your options, at all times.
Watch Video
Our tall water and ice dispenser is specially designed to accommodate a variety of large containers, from a 16-ounce tumbler to a pitcher or a coffee carafe.
Chilled air is vented directly into this Luxury-Glide® Drawer to keep the contents extra cold.
Dual-Humidity Controlled crisper drawers keep fruits & vegetables fresher and extend effortlessly. It's divider and dual controls provide the option to simultaneously store fruits and vegetables at their ideal humidity levels.
Smoothly glide out and keep produce fresh with adjustable humidity control and minimal temperature variation.
Freezes food faster to lock in freshness.
Makes ice up to 50% faster.
The freezer defrosts itself so you don't have to.
Ensures you'll always have extra ice on hand.
Signature Electrolux style: soft-arc door, stainless steel and blue LED displays.
Keeps clean, filtered air circulated throughout to prevent odor transfer.
Ensures fresh, clean water and ice at your fingertips.
Lockable display shows vital functions, including temperature. Choose from Fahrenheit or Celsius display.
Allow you to adjust the refrigerator and freezer temperatures independently.
Notifies you if there's been a power failure, if a door stays open longer than five minutes and if the interior temperature of the freezer rises above 56 degrees for more than 60 minutes.
Complies with the ADA requirements as specified in the Americans with Disabilities Act.
Watch Video


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CelticFest Vancouver 2011: Celtic Festival Vancouver brings over 60 free and ticketed shows, with music, dance, film, storytelling, workshops and more. For five days, the drone of pipes and the raw rumble of bodhráns fill downtown streets, pubs and concert venues. Gather your friends and family and come on down to Western Canada's largest and most popular Celtic celebration.
CelticFest Vancouver 2011: highlights
Join the legendary Spirit of the West for a high-energy, rollicking night of both classic and new Spirit tunes. Celtic roots music just doesn't get any better! Opening for SOTW, The Starbirds are Paperboys band mates Tom Landa, Kalissa Hernandez, Nick LaRiviere and Brad Gillard. Expect some of your favourite Paperboys songs along with new world-infused material.
AfroCeltic Dance Party March 18: a night made for dancing! A thrilling cross-cultural mash-up, as brilliant musicians and dancers fuse the intoxicating grooves of Celtic and African music. It's one rhythm-filled night just made for dancing. If you caught the CelticSalsa spirit in '09, this is the show for you!
World's Greatest St. Pat's Day Céilídh! March 17 at The Yale. A hot-jamming old-fashioned 21st Century Céilídh
Daniel LappJigs, reels, some hot jamming, even sing-alongs are on tap for an old-fashioned 21st Century rockin' Céilídh. A dozen of Canada's hottest Celtic musicians come together to cook a sizzling feast of music and dance. Musicians include star fiddler Daniel Lapp, Shona Le Mottée, Nova Scotia's The Colin Grant Band, fiddle & step dance sensation Stephanie Cadman and other great artists. Tim Readman hosts & performs. This is THE place to be on St. Paddy's Day!
CelticFilm March 19: CelticFest presents two exceptional documentaries about Celtic music legends Donovan and Liam Clancy. For a mere $10, see both films in the comfort of Vancouver's only movie theatre with two bars. The films are: Sunshine Superman – The Journey of Donovan and The Yellow Bittern – the Life and Times of Liam Clancy. Tickets will be available at the door only.
The 7th Annual St. Patrick's Day Parade, presented by Pacific Centre is slated for Sunday, March 20th, on a new parade route with thousands of colourful and musical participants taking to the streets. March 19 & 20 are the dates for the Celtic Village and Street Market, centrally relocated back on Granville Street, downtown. There's Celtic concerts, dance, storytelling, Celtic swordplay, Gaelic Football, Celtic Market & more!
More information from: http://www.celticfestvancouver.com/


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Halloween isn't a tradition at all for me, but certainly a wonderful opportunity to paint something weird.
I thought You would have appreciated an Halloween set in a picturesque Italian environment. Obviously a nice balcony and a charming damsel attracting a passionate lover would fit the expectations.
What the two guys in here may hear though, is not the lark chirp, but rather that of the bat (provided they can hear ultrasounds ).
Nonetheless it's going to end tragically anyway.
As a matter of fact, unfortunately the youngster is climbing on the one of the two only balconies to avoid (the other one being that of Lucrezia Borgia).
I hope You like this sick imaginary illustration.


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Casa del Shai celebrates Philippine Independence Day this weekend with a clothesline filled with Pinoy (Slang for Filipino) Tshirts. Depicted with filipino pop culture icons, nuances and humor, these shirts are a fun way to show your national pride, channeling the funky hipster lifestyle. For a fun quick english translation, get someone who knows tagalog and it just might start an interesting conversation about Balut.
Wave your flag and eat Balut like a true pinoy homie. Now available at Casa del Shai.


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Paul Wade walks the mediaeval streets of Albi, the formidable 'ville rouge' where Toulouse-Lautrec honed his genius.
'Cathedral or fortress?" No matter how many times I visit Albi, that is my reaction to the 79-metre tower and massive walls of Cathedrale Sainte-Cecile. The largest brick structure in the world when it was built in the 13th century, its militaristic architecture demonstrated to the defeated supporters of the heretical Cathar religious movement that the Catholic Church was back in charge.
Next door, the equally formidable Palais de la Berbie reinforced that statement. Today, the bishop's palace houses the revamped Musee Toulouse-Lautrec (museetoulouselautrec.net), the world's largest collection of works by the locally born artist - and proves that his social observation extended far beyond the Parisian demi-monde. Add works by Matisse, Dufy, Gauguin and more, and the palace's 17th-century gardens and terraces to admire, and this is a museum where we could spend all day.
The cathedral and palace are both built from handmade brick, as is virtually everything else in Albi, giving rise to the nickname of la ville rouge. Looking closely, we spot 500-year-old thumbprints here and there in the baked clay.
The winding streets in the mediaeval town offer more reminders of the past.
Half-timbered houses are topped with a soulheilou, a covered roof terrace-cum-storehouse that is perfect for drying ham as well as laundry. Street signs are in two languages: modern French and ancient Occitan.
Traditions also continue with food and wine. In Les Delices Lamarque (11 rue Sainte-Cecile), I am offered a hard biscuit - "We call them janots; we dip them in gaillac, our local wine." Even the grape varieties link to the past, with Occitan names - the white grape variety is the len de l'el and red is fer servadou.
And, half an hour from town is the Chateau du Bosc, where Toulouse-Lautrec spent a happy childhood in what is now the home of his great-niece, Madame Nicole Tapie de Celeyran. She is passionate about her ancestor and points out the animals in the Aubusson tapestries that inspired his early drawings and his caricatures of relatives, drawn on the wall of what is now the gift shop. She describes the leg injuries that inhibited his growth and explains: "Everyone in our family is short, and the redingotes [long overcoats] of the day made him look even shorter."
What we like best about Albi is the juxtaposition of old and new. The streets buzz with cafes and small, well-priced restaurants, and independent shops. In the remains of the 13th-century Saint Salvi cloister, where monks once meditated, students chat. And, in front of the cathedral, skateboarders flaunt their skills.
On our last day we visit the Musee de la Mode, a private collection housed in a converted convent that reflects fashion spanning 300 years.
"Who needs Jimmy Choo?" whispers my wife, as she peers at satin pumps from the 1830s. In the five cleverly lit galleries, highlights range from exquisitely embroidered waistcoats to a Mad Men-style 1950s cocktail dress.
Getting there Air France has a fare to Toulouse (the nearest major airport) for about $1790 low-season return from Sydney and Melbourne including taxes. Fly to Singapore (about 8hr on a Qantas aircraft), then to Paris (14hr) and then to Toulouse (80min); airfrance.com. There are various car hire companies at Toulouse airport (distance to Albi is about 70 kilometres) and there are regular trains and buses.
Staying there
Mercure Cite Episcopale d'Albi is a former flour mill, with 12 of the 56 comfortable, modern rooms overlooking the Tarn and the city, Po river from $120 (breakfast extra). Phone +33 5634 76666, see mercure.com.
La Tour Sainte Cecile is a stylish four-room chambre d'hotes in a 16th-century brick tower; rates include tickets to the Toulouse-Lautrec Museum. From $160, reduced for subsequent nights; breakfast included. Phone +33 5814 05152; see toursaintececile.com.
La Reserve, on the outskirts of town, is a 22-room Relais & Chateaux hotel with lawns running down to the Tarn; from $250. Phone +33 5636 08080; see lareservealbi.com.
Eating there
La Table du Sommelier (20 rue Porta) is a jolly bistro serving hearty portions. The owner, Daniel Pestre, who was once France's sommelier of the year, showcases the best local wines. Phone +33 634 62010; see latabledusommelier.com. Closed Sunday and Monday.
Bruit en Cuisine ( 22 rue de la Souque) has Albi's best view of the cathedral. Julien Callens's well-priced modern dishes also impress. Phone +33 6383 03795. Closed Sunday evening and Monday.
Clos Sainte-Cecile (3 rue du Castelviel) is a former schoolhouse where the playground is now a lovely shaded terrace and menus are chalked up on the old blackboard. Phone +33 5633 81974. Closed Tuesday and Wednesday.
At L'Esprit du Vin (11 Quai Choiseul), the Michelin-starred chef, David Enjalran, excels in intensely flavoured creative cooking. Phone +33 5635 46044; see lespritduvin-albi.com. Closed Sunday and Monday.
Telegraph, London


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While Rob "Yo soy fiesta" Gronkowsi has his share of fans, his Sunday didn't end well as the Patriots tight end suffered a broken arm in garbage time that will sideline him for weeks. We can only imagine how distraught this news made the young woman seen here with a creative sign, or Gronk's army/harem of young tarts. Get well soon!
Got any stories or photos for us? Tip your editors.


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Greetings Guys
Let us discuss best times for a meet up.
I propose a monthly one, and say over a weekend where people aren't working.
What do you guys think? :)
Views: 135
I'd prefer to take things steady. Maybe we could arrange a first date to see how we get on (aided by a couple of drinks) and to see if we like each other.
If that proves a success, we could arrange to see one another again. And maybe we could invite the other guys along? ;-)
Good idea Stuart :)
I am indeed excited. :) I work 6 days a week, so would be great if we can do Sunday. I know people will have work and studies following morning, but we'll just be chatting and having a drink or two. It won't be a night out getting drunk, not for me anyway :p
Hi guys I'm interested in meeting too - have U all heard of the atheist churches springing up down south - a great idea and apparently really popular. Does anyone know a humanist celebrant who could be invited along to chair? Cheers James


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Every sink Farmhaus Fireclay sink is handmade from natural clay, molded, and then baked into an elegant, smooth and glossy finish. Being eco-friendly and lead free only adds to the allure of Farmhaus Fireclay sink. Proven to be durable and resistant to extreme temperatures fireclay sinks are visually appealing and timeless in design. The WHFLATN3018 30″ Reversible series fireclay sink with a Castlehaus front apron on one side and fluted front apron on the opposite side is featured here in your choice of White, Biscuit Black and Sapphire Blue and will complete the look of your kitchen
Farmhaus Fireclay Reversible Series fireclay sink with a Castlehaus design front apron on one side and a fluted front apron on the opposite side.
Patented Design: U.S. Pat. No. D620, 092 S
Inside Bowl Dimensions:
28½" x 16½" x 8½"
Overall Dimensions:
30" x 18" x 10"
Matching Basket Strainer RNW50L (sold separately)
Matching protective sink grid model WHREV3018 (sold separately).


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"Dynamic" could be a one-word review of Scotty McCreery's sophomore album, 'See You Tonight.' The 20-year-old's follow-up to his post-'American Idol' debut leans into life's exciting edges. The songwriting and production — especially the production — are sharp, but most exciting is the new sides of this singer fans see for the very first time.
'Buzzin" is a perfect representation of the 13 tracks on 'See You Tonight.' "Some like to sip, some like to chug / Some like to dip, some light one up," McCreery sings before describing how he gets his buzz on, while a rolling banjo keeps your foot thumping throughout the nearly four-minute track.
Sure, these lyrics are pretty tame in comparison to what's already on country radio, and in the end the song doesn't compromise his squeaky-clean image. But it's nice to see McCreery flirting with danger, as he does often on the new project, which hits stores Oct. 15.
'Now' kicks off seven straight strong songs to start the album. It'd be a great choice for a second single, because those who've dismissed McCreery as a caricature will be forced to take another look at him. Vocally, he introduces a new style that resurfaces on 'Feelin' It,' 'Buzzin" and 'Can You Feel It.'
A ballad called 'Feel Good Summer Song' may be the best song the former 'Idol' winner has cut to date. McCreery doesn't just sing about hurt on this track, he clearly reaches back to a painful memory and relives it. "Since you're gone / I can't hear another feel good summer song / The sunshine only lights up what is wrong / I should just give in and sing along," he sings during a chorus that will inevitably draw favorable comparisons to Keith Urban's "Til Summer Comes Around.' It's a strong compliment.
Tracks eight to 10 are a dip before 'See You Tonight' finishes strong with 'Carolina Moon' (an Alison Krauss collaboration that adds major credibility to the project) and 'Something More,' McCreery's not-so-subtle statement about the type of music he enjoys — and more interestingly, the type he's sick of hearing. Only 'The Dash' leaves one reaching forward to hit the "skip" button. The message is cliche, and the concept difficult to embrace.
Frank Rogers guides McCreery through the album, producing the whole thing and co-writing several songs. His vocal mix allows other elements to help carry the load — the burden isn't solely on McCreery this time — but most importantly, he finds an organic, yet contemporary blend that fits the North Carolinian like a tailored suit.
'Feelin' It' pushes the young singer to the edge of his comfort zone — it's Florida Georgia Line-ish — but that's good. A true artist learns to embrace that inner anxiety caused by doing or saying something new and unexpected.
Tracks to Remember: 'Get Gone With You,' 'Feel Good Summer Song,' 'Buzzin',' 'Carolina Moon'
Did You Know?: McCreery says the songs he helped write ('Now,' 'Can You Feel It,' 'I Don't Wanna Be Your Friend,' 'Something More' and the title track) are the ones he's excited for fans to hear, but also 'Carolina Moon.' He calls the duet with Alison Krauss the most country song on the record.


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French Bulldog
This gorgeous Specialty Wild Rag is handcrafted from luxuriously silky polyester charmeuse. This material was chosen because it is not only beautiful, it is warm, moisture wicking, durable and washable.
Our Specialty Wild Rags are printed on white material and are not double sided. This means in darker prints the lighter back will be more noticeable therefore we try to stick with lighter backgrounds. If you have any concerns about this, please contact us to see a sample of the back prior to ordering.
Please note this is a custom Wild Rag and there is a 4-8 week shipping delay from the date of order on specialty Wild Rags depending on where your order falls with our order to our printer.
Because of the custom nature of this product, there are no cancellations or refunds.


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Bake the Book: Blueberry Cobbler
Get the Recipe
When you see your first batch of blueberries, think of this recipe from Jeni's Splendid Ice Cream Desserts. Portions of shortcake batter are spooned on top of a pile of fruit, and the entire thing is baked until the berries are bubbling. It's messy, fruity, crumbly, and sweet, and best served drowned in ice cream.
Tips: With modern supermarkets, it seems like some berry is almost always in season. However, if your neck of the woods isn't currently carrying blueberries, pick your second favorite, use the same amount (2 1/2 pounds) and rename it any-berry cobbler. It's that flexible.
Tweaks: As you can see, perfect presentation is not of the utmost importance for this dessert; the sloppier, the better. We do suggest following the example above and serving individual portions in tiny trifle dishes; it's the best way to contain the juice from the berries and the ice cream as it melts. Buttermilk, vanilla, or creme sans lait are all good choices.
As always with our Bake the Book feature, we have five (5) copies of Jeni's Splendid Ice Cream Desserts to give away.
Get the Recipe
All products linked here have been independently selected by our editors. We may earn a commission on purchases, as described in our affiliate policy.


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Uphill Rush
(More game types: 1 Player, Action, Flash, Motorcycle, Obstacle, Racing)
Race your bike, truck, quad or skateboard over hills and obstacles and finish each level without falling.
Up arrow- To accelerate.
Down arrow- To brake/reverse.
Left arrow- Lean left.
Right arrow- Lean right.
Space bar- Jump
M key- Show/hide mini map.
P- Pause.
Z- Use turbo (doubles the player's speed for 5 seconds).
|Add this media to your blog, MySpace or website!


text: Music and fashion walk hand in hand in pop culture, so it's no surprise that fashion has influenced some of our favorite hip hop tracks. From sportswear lines like adidas to high-end couture like Versace, rappers are naming the brands they love, and sometimes even getting endorsement deals along the way. Here are 15 hip hop videos that celebrate love of fashion.


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Hi Everyone,
In this post, I am gonna share with you all about the exciting updates of Windows Phone 7 Mango. 🙂
Microsoft has integrated Twitter, Facebook Chat, Windows Live Messenger and other popular social networking sites into the OS itself.
The feature in which it will bring in all your messages from IMs, Facebook, SMS's right in one Inbox is called Thread Feature . Microsoft has also introduced Unified Inbox, which will allow users to read emails from multiple Email ids from one place only. It looks interesting 😀
Continue reading "Windows Phone 7 Mango Features Update Details !"


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Hello and thank you for the suggestion. I will keep it in mind, although I can't say for sure right now if that is even possible with our system.
Most people choose not to use hits out as a method of ranking because naturally, the sites at the top get more hits out, which keeps them at the top. The sites below, being lower down in the list, do not get as many hits out because people just naturally click the top sites first. Consequently these sites never have much of a chance to rise up in the rankings. Hits in or rating seem to be a more fair way of ranking.


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HEALTH; Treating Youngsters and Easing Parents' Minds
By ABBY GRUEN
Published: January 14, 2007
AT recess, dozens of children tumble into the nurse's office, jackets askew, some with tear-streaked cheeks, fresh from falls and scrapes on the playground at the Thomas A. Edison School.
''Jason threw me a rock on my head,'' Michael Loja, a 5-year-old kindergartner, said as he sat holding an icepack to his forehead. ''It hurt and it bled.''
On a nearby examining table, Stephanie Gonzalez, an 8-year-old third grader, waited nervously for her flu shot. ''It didn't hurt and I got stickers,'' she said afterward, all smiles, on her way back to class.
The scene in this sunny suite in the basement of Edison, an elementary school, is being replayed daily as one of the newest full-service school health clinics in Westchester County treats not only hundreds of children when they are sick or injured, but also provides checkups, immunizations, obesity counseling and dental care.
In the past two years, school-based health care in the county has grown in popularity at schools the state considers to be in need. While the first elementary school health clinics in Westchester opened 17 years ago in four schools in Yonkers, three more have been added in Mount Vernon and Port Chester since 2005, with another, at Port Chester High School, scheduled to open in April. Mount Vernon and Port Chester are considering opening even more clinics.
''If we had enough resources and time, I'd like to see school-based health services in every school,'' said Dr. Joshua Lipsman, the county health commissioner. ''It would help keep kids in school, help them learn and help prevent emergency-room visits, drug use and teen pregnancy.''
The clinics provide a safety net for thousands of children in Westchester who otherwise would not have regular health care. In each case, a local health care provider has sponsored the clinics -- writing the grants to pay for them and providing the expertise to license and operate them. St. Joseph's Medical Center in Yonkers, the Mount Vernon Neighborhood Health Center and the Ossining Open Door Medical Center's outpost in Port Chester all compete for the limited funds available from the same federal and state sources. The care is free, but parents must sign up their children.
At Edison, the school nurse and the pediatric nurse practitioner provided by Open Door work side by side. Behind a screen in the large anteroom is a dentist's chair and equipment where the dentist, Dr. Raha Iraj, works one day a week.
Madelin Cruz, another 5-year-old kindergartner, happily clambered up and down from the examining chair after her checkup, clutching a plastic goodie bag with a toothbrush and pamphlets. Two weeks earlier, she had had a dental emergency, an infected tooth that required antibiotics.
''I liked the dentist,'' Madelin said. ''She told me she would only tickle my teeth, not take them out. And she did just tickle them.''
Edison's principal, Eileen Santiago, said that 70 percent of her students had never seen a dentist before the clinic opened. ''Children were coming to school with Anbesol in their lunchboxes for toothaches because their teeth hadn't been taken care of in so long,'' Dr. Santiago said.
Lorraine Tiezzi, a specialist in school-based primary care at the Mailman School of Public Health at Columbia University, said that when parents get to know their school-based clinic, they have peace of mind that their child is being cared for, which helps them to be productive at work.
An Edison kindergartner, Sherley Alonzo, 5, kneeled by the front of the nurse's office, coloring while waiting to go home because she had conjunctivitis. When her father, Edwin Alonzo, 31, came to get her, she buried her face in the leg of his dusty work pants.
''I think it's wonderful to have a clinic inside here,'' Mr. Alonzo, a mason, said in Spanish. ''If it were just a school nurse calling me, I would be scared, but now I know they are able to take care of problems here,
so I know Sherley's O.K. Also I don't have to make separate trips to the doctor and drugstore when I get my child.''
Photos: SAY AAH -- Allison Oesterle, a nurse practitioner at the Edison School, examines Madelin Cruz, 5, left, and Brayan Modesto, 6. Above, Dr. Raha Iraj, a dentist, with Austin Blanco, 7. (Photographs by Suzanne DeChillo/The New York Times)


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WASHINGTON (AP) — While most Americans caught distant glimpses of President Barack Obama's second inauguration festivities from their living room TVs and on the Internet, a privileged set of celebrities and special interests got pampered access Monday at exclusive soirees just blocks from the ceremonies.
The parties are a January tradition, where high-powered lobbying shops and law firms open up their offices for clients, legislators and officials, affording opportunities to renew ties and lay the groundwork for lobbying and deal-making. The gatherings in K Street and Pennsylvania Avenue suites offered catered buffets and even balcony views as the commander in chief's caravan rolled by, venues supplemented by high-priced hotel rooms, gala balls and invitation-only parties.
As the A-listers streamed in Monday, Washington's political world had already adapted to a scaled-back version of the festivities of four years ago, when more than 1.5 million people packed the National Mall. Lobbying shops got fewer ticket requests from corporate clients and office parties shrank to appeal to smaller crowds.
Four years ago, Manatt, Phelps & Phillips held its traditional inauguration day party for clients at its downtown D.C. offices. On Monday, the firm opened its doors early as a "launch pad" for guests, a pit stop to warm up, drop off bags, recharge IPhones and toss down a bloody Mary before heading out into the morning chill.
"We're not planning for a big crowd. This is for clients and friends in town who want a cup of coffee and some shelter before they deal with the mile-long lines out there," said James J. Bonham, head of the firm's government affairs and public policy shop.
The 9th floor balcony at the K&L Gates law offices on 16th Street offered a pristine view of the parade route during the inauguration, but guests preferred the party on the first floor, avoiding the cold by snacking on chili and cheese while watching the proceedings on four wall-length video screens. A life-sized cardboard Obama replica was available for photos while the real Obama launched into his second inaugural speech.
"The second inaugural's always much more subdued so your events have to be subdued as well," said firm partner Emanuel L. Rouvelas, who has hosted or attended inauguration parties dating back to the Nixon era.
Downtown Washington's hotels were jammed, though not to capacity, and its closed-off streets were invaded with hundreds of gleaming limousines. Nearby Dulles International Airport anticipated roughly 300 private aircraft for the weekend, though significantly fewer than the 700 planes from last time. Hotels offered top-dollar packages with views of the day's events, and some guests asked staffers to clear out excess furniture so they could pack in more friends.
At one end of Pennsylvania Avenue — at the Willard Intercontinental, overlooking the White House — corporations and associations booked many of the rooms with the best views to entertain clients. The 165-year-old hotel boasts that President Abraham Lincoln stayed there before his 1860 inauguration.
A CEO who arrived via private jet insisted on green tea, sauvignon blanc and fresh fruit in the suite, organizers said. One well-known singer requested a gluten-free menu. Hotel staff worked with the Secret Service so that VIP guests could easily get through security perimeters, arranged to have an onsite seamstress for last-minute ball gown alterations and ordered extra ponchos and hand sanitizers to ward off the elements at the height of a nasty flu season.
"Seize every moment to surprise and delight our customers," manager James Ryan told his team during a planning meeting to which The Associated Press was invited.
Lowered expectations may be keeping away some big spenders. Washington's W Hotel, which boasts prime parade-watching real estate on 15th Street near the White House, touted its $50,000 "E-Wow" suite for a minimum four-night stay, complete with butler's pantry, virtual fireplace and $100,000 worth of jewelry on loan for the weekend. But as of Sunday night, the suite had not been booked. Georgetown's Fairmount, further from the parade route, countered with a $100,000 "Presidential Detail Package" for four nights, offering a $5,000 shopping spree, in-room hair styling, matching Rolex watches and two hotel staffers to provide security and even dog-walking.
Washington power-players have dozens of unofficial balls to pick from, and they're usually thrown by state parties or interest groups. The official inaugural committee is banning corporate sponsorships, but that hasn't stopped big companies and other interests from headlining events elsewhere: Household names like AT&T Inc., Merck & Co., the Sierra Club and Greenpeace are all sponsoring events, according to an AP review of invitations collected by the nonprofit Sunlight Foundation.
Obama's second-term inaugurations can't compete with the historic appeal of his 2009 swearing-in. But some lobbying veterans blame the lowered profile of corporate parties on his administration's self-proclaimed ethics stance. Four years ago, Obama tightened regulations on "revolving door" officials and inveighed against excessive lobbying.
Even with tougher rules, the White House has still hosted corporate interests and lobbyists at times, but officials say Obama's ethics efforts have had a strong impact. "President Obama has done more in the past four years to close the revolving door of special interest influence than any president before him," said White House spokesman Eric H. Schultz.
"Many of the lobbyists I know are far less warm on Obama than they were four years ago," said Wright H. Andrews Jr., a former president of the American League of Lobbyists. "They're understandably displeased with his vilification of lobbyists."
Limousine rentals were still doing brisk business, judging by the elegant stretches clogging downtown streets. Several limousine services advertised inaugural specials at as much as $140 an hour, touting plush 20-passenger Lincolns and Humvees equipped with large-screen televisions and minibars stocked with champagne. The D.C. Taxicab Commission expected to process 1,500 special inauguration chauffeur permits, as far away as Florida and Oklahoma, said spokesman Neville Waters.
He said limo companies typically import hundreds of extra sedans for the inauguration from outside Washington, mandating a need for special permits. But Waters said the city expected fewer limos navigating downtown D.C. this weekend compared to four year ago.
"I guess it's kind of a been-there, done-that kind of thing," he said.
Associated Press writer Nedra Pickler contributed to this report from Washington.
Follow Jack Gillum on Twitter at http://twitter.com/jackgillum


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Tasting Ora King New Zealand King Salmon at Nobu
There's a new salmon player in the US and it's called Ora King. They culture sustainable king salmon in New Zealand in 5 sea farms and hatcheries in Marlborough Sounds. Supposedly it's the longest and most sophisticated selective breeding program in the world (they've been breeding since 1994), with every fish individually tagged by hand and tracked (that's over 200,000 fish) so that they can control in-breeding.
Ora King's salmon goes from harvest to airplanes within 12 hours and a few of restaurants in Los Angeles have started carrying them, including Nobu and Craft. I was invited to a tasting at Nobu of appetizers and sushi made with Ora King salmon. With the eating local movement going on, the question is: is the taste of Ora King salmon worth the miles traveled from New Zealand? The answer is yes!
At Nobu, we tried different preparations of the Ora King salmon. The most representative of the texture and flavor is certainly the sushi and sashimi, and I think I had seven pieces of sushi that night ...


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I'm your German WordPress Plugin Developer!
WP-Buddy is your specialist when it comes to WordPress Plugin Development.
Support InformationNormally I will answer your questions within 48 hours (except weekends). But you can really help me if you follow these steps first to avoid asking the same questions over and over again. Thank you very much!
- Read the documentation and the FAQ-sections first. You can find it on our website.
- If you can not find a solution in the FAQ please follow the Support-Guidelines below.


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Avril 2016
Bystronic was awarded with the Ringier Technology Innovation Award at CCMT 2016 in Shanghai. The process software BySoft 7 won in the «CAD/CAM Software» category.
The Chinese trade fair CCMT takes place every two years. It is one of the most important events of the engineering industry in China. This year, Bystronic won an important award for the process software BySoft 7 with the Ringier Technology Innovation Award. All award winners, who have been awarded in several categories, were publicly nominated by trade specialists via an online election.
Bystronic supports its customers with Swiss quality and innovations in the cutting and bending process steps. As a powerful software that guides users through the entire production process, BySoft 7 is an important key for successful sheet metal processing.
BySoft 7 consists of the following modules: Flat processing, tube processing, bending, and Plant Manager. The Plant Manager ensures maximum transparency in the sheet metal processing. Users plan and monitor all cutting and bending processes of their production with this module. It also provides all relevant machine and production data. This software module lets users deliver on time and at competitive rates.


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Alain Nu is a full-time creative performing magician who is equally adept at close-up, stage, mental and television magic. He has earned his chops by performing in restaurants, nightclubs, theaters, bars and even on the street. This DVD features the routines he uses in formal and informal close-up situations. You will learn audience-tested routines and some Nu-wave approaches.
Do you own this product? Write a review.


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The Official Caving Forum of the National Speleological Society
NSS Home Page |
Flickr NSS Photo Pool | Online Cavers Network
CaveChat Room | NSS Bookstore | Find Local Caving Club
Moderator: Moderators
Extol777 wrote:Caves of Maryland was actually the first book I got after I started caving, and its led me to most of the ones I've been to, and the wikipedia page has been helpful. Caverns of West Virginia has been helpful too for the ones I've been to in WV.
Users browsing this forum: Google [Bot]


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The National Academy of Neuropsychology (NAN) seeks to advance neuropsychology as a science and health profession, to promote human welfare, and to generate and disseminate knowledge of brain-behavior relationships through:
Professional Members shall have completed academic coursework and training in the assessment or remediation of neuropsychological conditions and hold a doctoral degree from an accredited university. While it is expected that the primary area of focus of training and experience falls in the general discipline of psychology, individuals with doctoral degrees in related disciplines with relevant experience and training in neuropsychology at the doctoral or postdoctoral level may also be considered for membership. Applicants shall have worked in settings where such knowledge is applied for a minimum of three years, two of which must be postdoctoral.
Associate Members are required to hold a master's degree in psychology or a related discipline, or hold a doctoral degree in psychology or a related discipline with less than three years of experience in Neuropsychology. Associate members do not have voting privileges, may not hold office; but they may be members of committees.
Affiliate Membership is open to those individuals who are interested in clinical neuropsychology and wish to maintain continuing contact with the field, but whose training may preclude them from membership at other levels. Affiliates do not have voting privileges, may not hold office or be members of committees.
Post-Doctoral Resident Membership is available for two years after completion of a doctoral degree in psychology for those who are completing post-doctoral supervision/studies leading to psychology licensure. Student members who meet the eligibility requirements for Post-Doctoral Resident status may make application to the Membership Committee by written request and verification that the aforementioned criterion has been met. Post-Doctoral Resident members are eligible to serve on NAN Committees, although voting privileges and holding office is reserved for Professional and Fellow level members.
Student (Pre-Doctoral) Membership is open to individuals attending full-time programs leading to an undergraduate or graduate degree from a regionally accredited college or University. Those who have completed related doctoral programs, are refocusing their completed doctoral training with additional coursework or certification in neuropsychology, and/or are currently completing post-doctoral training may instead apply for post-doctoral resident, affiliate, or associate membership, as relevant. Student members are eligible to serve on NAN committees, although voting privileges and holding office is reserved for Professional and Fellow level members.
Application fee and annual dues for Professional, Associate, and Affiliate Membership.......$150
Application fee and annual dues for Trainee Membership (Student & Post-Doctoral Resident).......$60
If accepted for membership, the non-refundable fee is applied to the first year membership dues.
All applicants must submit:
All applicants shall submit ONE completed and signed application form and ONE curriculum vitae. Applicants for membership at the Professional, Associate and Post-Doctoral levels require sponsorship by two individuals with expertise in neuropsychology, one of whom must be a member in good standing with the National Academy of Neuropsychology, Division 40 of the American Psychological Association, or the International Neuropsychological Society. Applicants for membership at the student level must obtain a signature from a training director, advisor, faculty member or university registrar who can attest to pre-doctoral student status. Post-Doctoral Resident level applicants must provide documentation of post-doctoral status.
The membership upgrade procedure requires that you submit the following (to the NAN Office, as listed above):
When these materials are received, your request will be processed by the Membership Committee and you will be notified as soon as possible of the decision regarding your request. If you have any questions, please feel free to contact the NAN Office at firstname.lastname@example.com.


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- Sales Home
Botanical Illustration
Denver Botanic Gardens' School of Botanical Art and Illustration program is designed to offer a comprehensive series of classes in botanical illustration, providing participants the drawing and painting skills required to render accurate and useful depictions of the plant world with a focus on detail. This program is for the dedicated illustrator, as well as the devoted amateur. It culminates in a portfolio and certificate for some students and offers an ongoing program of botanical illustration classes for others.
Attendance is required at the first class for all required courses. Please contact the program manager for the attendance policy on elective courses.
Please make sure that you have completed all the pre-requisites for this class by the time of the first session. Materials list for each course is attached to your registration confirmation.
Cancellation Policy: Cancellations more than one week prior to a class are subject to a 15% cancellation fee. Cancellations with less than one weeks notice are non-refundable; please consider your payment a donation to the Gardens.


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COVID-19 Update: We are experiencing continued high levels of orders so dispatch may take longer than usual. Please note couriers are also experiencing continued high levels of parcels so there may be delays, Royal Mail are the most affected by this and are having severe delays in some areas.
Delivery costs will vary with the size and weight of the items and the location in which the items will be going to. You can check the delivery costs of the items when viewing your shopping basket
Deliveries to UK & Ireland
Smaller items with low value are dispatched via Royal Mail 24 or 48 post (Royal Mail International Standard for Ireland).
Larger items up to 30kg are dispatched via Parcelforce Next Day or Two Day service (Two Day for the areas below and Ireland). If you provide a mobile phone number and the item is dispatched via Parcelforce, you will get a text message on the day of delivery with an hour time window of when your items will be delivered. Please note that weekend deliveries are not included in these services, if you require this then please contact our office on 0151 548 5500.
Larger items over 30kg are dispatched via Palletways Economy service. Please provide us with a contact number for the courier as they will need to contact you to book in the delivery. Please note that Saturday deliveries are not included in this services.
Items with free shipping are only available to mainland UK areas, additional postage charges will be automatically added for the following areas:
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Deliveries outside of UK & Ireland
Items up to 30kg are dispatched via Parcelforce Standard International service.
Items over 30kg are unavailable for delivery.


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Enter your postcode for estimate
The traction of this arched mirror bares and is very compelling, and the design of this mirror is mesmerizing. With this great window like a mirror, the illusion is increased, and it gives a much bigger reflection that is both vivid and likable.


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Twin Box spreader
The work rate is perfect for me. I work at 5 MPH covering 7 rows* with fertilizer or 2 rows with manure. This efficiency allows me to find extra time and do a few spreading jobs as a service. Mounting on the carrier allows increased loading capacity compared to towed models, so I spend less time on the road and more in the field.
Jean Marc RIEUSSET – Gaec de Serzat, Côtes-du-Rhône – Valvigneres – FRANCE
| Standard equipment.
Equipé en option
|Twin feed boxes
|Box volume – m3
|2 x 1,7
|Number of rows worked
|Two (or more with the extra wide spreading option)
|Product transportation
|Chain and bar conveyor
|Acre rate control
|Conveyor speed variation controlled by hydraulic reducer
|Rear cover opening
|Hydraulics with mechanical memory
|Conveyor speed control
|LH/RH independent
|Feed box loading protection
|Optional compost/manure kit (horizontal rotors)
|Rubber feed conveyor kit + reduction motor (low concentration per acre)
|Extra wide spreader kit
|Quick coupler kit


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The Mountain
Sleep Around T-shirt
The Mountain®s Classic T-shirt features an over-sized relaxed fit, with reinforced double-stitching on all seams. A mid-weight, 100% cotton tee, hand-dyed and screen printed in New Hampshire using The Mountain®s signature water-based inks and dyes. After just one wash you will not know where the print ends and the shirt begins. Our unique printing process actually pulls the dye color out of the shirt and leaves the ink color behind, essentially dyeing the cotton with the ink. After dyeing they are washed and dried, so they arrive to you comfortable, pre-shrunk & ready to wear.


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Minardil wrote:Minardil wrote:It's also kind of funny to see Bush being accused of withdrawing troops from Iraq
I am not "accusing" Mr. Bush of withdrawing troops, merely reminding those currently demanding action in Iraq that it isn't Mr. Obama's fault (alone) that we don't have forces there now.More importantly, thought, the major "miss" (or rather, another monumental foreign policy screw-up which by now is routine) for the Obama administration is failing to realize that on its own, the Iraqi army is about as battleworthy as the Ukrainian one. The reason ISIS is moving so fast is because they're not encountering much opposition except from the Kurds.
So, just to be clear, you now want the US to go to war with Russia over Ukraine, and to stage a full-scale re-invasion of Iraq.
Sorry, but that is just bat-shhhh crazy.
Of course it would be, had it been something I wanted. But you are, as usual, substituting imaginary arguments in place of the uncomfortable real ones.


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For many religious believers the most compelling evidence for theism is their own personal experience of God's presence. Christians in the rapidly growing charismatic "renewalist" movement do not just talk to God, they claim to actually hear God talking back. Are these powerful religious experiences evidence that God really exists or are they the result of mental illness? Anthropologist Tanya Luhrmann, author of When God Talks Back, offers another explanation: such experiences arise naturally when spiritual communities learn to train and enhance their natural capacity for imagination. She joins us on the show to talk about what she observed while studying members of the renewalist Vineyard Church. Also in this episode: just how much government revenue is lost due to religious tax exemptions and direct subsides to churches? The answer will shock you. Plus, a counter-apologetics on Richard Swinburne's argument from religious experience and a new pollyatheism.
Or subscribe and listen in iTunes or any podcast client:
Episode 104 Links:
Council For Secular Humanism Report on Religious Tax exemption


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Tracks SF
1: Back on Track
Who Am I?
Global English
Sorry, But Norwegian Isn't Dying
Raising the Mango / Paper Towns
The Invasion from Outer Space / The Day the Saucers Came
Revision: Chapter 1
2: North America
Q&A: Myths and Facts about the USA
Two Sides of the American Dream
Every Second Counts
Issues in American Society
Detroit and Silicon Valley
Who Owns the Land? / Indian Education
The Thing Around Your Neck
Canada, Just Another USA?
A Country of Contrasts
Revision: Chapter 2
3: The British Isles
Bits of Britain
Scotland, Wales and Northern Ireland: Believe It or Not!
Five Great British Inventions that Changed the World
My Sport
Visiting the Houses of Parliament
No More Page Three
The British (serves 60 million)
Welcome to the UK?
Who Are the Irish?
First Confession
The Sniper
Revision: Chapter 3
4: The English-Speaking World
Empire to Independence: Australia & New Zealand
Australian National Holidays
Does My Head Look Big in This?
Two Australian Poems
The Mystique of the All Blacks
Moko: Body Art in New Zealand
Empire to Independence: India & South Africa
Bollywood: The Global Cinema
My Country
South Africa Has It All!
The Ten Things ...
Revision: Chapter 4
5: Challenges & Choices
Boiled Eggs and Jumping Fishes
My Family Values
The Fear (short story) / The Fear (lyrics)
Cyberbullying: Two Stories
Malala Yousafzai's Nobel Peace Prize Speech
Child Labour
Work Ethics
Tomorrow's World / If
Revision: Chapter 5
Courses & Resources
Adjectives and adverbs
Capital letters, punctuation and spelling
Contracted forms
Articles and nouns
Verbs: Concord
Verbs: Past and perfect tense
Verbs: Present progressive
Verbs: Revision
Do-support / Did-support
Tag questions
Modal verbs
Word order
Joining sentences
Quiz: Detroit and Silicon Valley
Kontakt oss
Nødvendig programvare
Presentasjon av læreverket


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- Tech Trader Daily
This Morning: AAPL, RIMM, NOK Rise, State of Hardware, FB Views
- Order Reprints
- Print Article
Happy New Year!
Here are some things going on this morning in your world of tech:
Tech is showing strength this first trading day of the new year, along with most other stocks, after the U.S. Congress last night passed a bill to avert the so-called fiscal cliff.
Nasdaq 100 futures for the March contract are up 59 points at 2,714, and tech stocks large and small are seeing pre-market gains.
Apple rising
Apple (AAPL) is among this morning's top gainers, rising $20.61, or almost 4%, at $552.35, continuing pre-market gains, amidst yet another mixed set of reviews from the Street.
Piper Jaffray's Gene Munster reflects on the chatter of late about Apple making a smart wristwatch, speculating that "while we are unsure of the ultimate launch timing (likely 2014 or later), we believe that Apple will eventually introduce some type of wearable computing product."
Next week's Consumer Electronics Show in Las Vegas, of course, will show off such marvels from other companies, including Italy's i'm Watch.
Tavis McCourt of Raymond James, while reiterating an Outperform rating on Apple shares, cuts his price target to $690 from $700, after lowering his March-quarter iPhone unit sales estimate to 37 million units from 42 million, to reelect "a faster supply ramp," while raising his estimate for the December quarter to 48 million from 46 million.
In defense of the stock, McCourt writes, "We continue to view Apple's growth rate as slowing, but still consistent with double-digit top line growth for the foreseeable future, and EPS growth improving as FY13 progresses."
In case you missed it, a report this morning from France24 states that Apple is shifting production of its "A6X" microprocessor, found in the iPad, from Samsung Electronics (005930KS) to Taiwan Semiconductor Manufacturing (TSM), citing an article in the Chinese-language Commercial Times of Taiwan.
At the same time, there seems to be no slowing down Samsung. Engadget's Zach Honigthis morning writes that the company may reach the 10 million mark in sales of the "Galaxy Note II" phone-tablet by the end of this quarter, with brisk sales in of 5 million already notched up last month. Honig doesn't say where the sales projection comes from.
Google's (GOOG) shares are up $9.82, or 1.4%, at $717.20 despite a cautious note from Oppenheimer & Co.'s Jason Helfstein, who reiterates a "Perform" rating on the shares, and cuts his price target to $715 from $760, arguing that while the company's push into making its own Android-based tablet computers is smart, nevertheless, the company will see margin dilution from these costs, as well as higher traffic acquisition costs (TAC) as the majority of tablet usage and mobile commerce is generated from iOS devices." He cut his revenue and profit estimates for this last year and this year.
The chip view
There were a number of reports this morning regarding data released Monday night to subscribers by the Semiconductor Industry Association regarding global chip sales in November. Bernstein Research's Stacy Rasgon writes that the 8.5% year-over-year increase in sales, and the month-over-month drop of 1.3%, were typical of Novembers past. Among the categories of chips showing declines, "MPU [microprocessor] sales were (perhaps unsurprisingly) extremely weak in November, down 13.8% MoM, below typical patterns (up 14.1% MoM) driven by both shipment and price declines," though he notes that neither Intel (INTC) nor Advanced Micro Devices (AMD) participate any longer in the SIA's survey.
J.P. Morgan's Christopher Danely was looking for a month-over-month rise of 2.5% instead of the 1.3% decline, but he concludes by reiterating a forecast for "a 2% YoY revenue decline in 2012 followed by 6% YoY revenue growth in 2013."
Nevertheless, Intel shares are up 44 cents, or 2%, at $21.06 in pre-market trading, while AMD shares are up 15 cents, or 6%, at $2.55.
The hardware view
There were a raft of notes this morning assessing the state of computing hardware.
Topeka Capital's Brian White writes that he's just as skeptical of hardware companies this year as last, "avoiding the more cyclical tech names for the most part and focusing on companies best positioned to benefit from key secular tech trends that we believe are in place this year." Apple is his top pick, he writes.
Abhey Lamba of Mizuho SecuritiesUSA writes that "The PC market is unlikely to improve any time soon while Apple will keep performing well at the higher end" and that "smartphones and tablets are likely to keep gaining consumers' wallet shares" while companies "exposed to cloud computing adoption should perform well in 2013."
Shares of Hewlett-Packard (HPQ) are up 43 cents, or 3%, at $14.68, while shares of Dell (DELL) are up 22 cents, or 2%, at $10.36. HP may be getting a lift from its filing of its 10-K with the Securities & Exchange Commission last Thursday. Bloomberg's Aaron Ricadelayesterday picked up on phrasing in the filing to the effect that HP may dispose of some divisions.
Mixed stats for Facebook
There was also a bunch of notes about Facebook (FB), positive, for the most part.
Capstone Investments's Rory Maher reiterates a Buy rating and a $35 price target, writing that software tools he's used to monitor Facebook use suggest growth of usage in Russia is accelerating. Russia could be a $500 million annual revenue opportunity, he believes.
And J.P. Morgan's Doug Anmuth reiterates an Overweight rating on shares of Facebook, and a $35 price target, writing that "We believe Facebook's advertising revenue will accelerate at least through 1Q13 and we are raising our Advertising estimates 6-7% for 2013 and 2014.
On the other hand, Cowen & Co.'s John Blackledge started coverage of the stock with a Neutral rating and estimates below those of the Street. While Facebook will sees its worldwide share of advertising rise from 4.5% last year to 7.2% by 2012, nevertheless, he thinks the Street is modeling combined desktop and mobile ad revenue growth for the company that's twice what it may turn out to be in coming years. He thinks the stock has 16% downside from here.
Facebook shares this morning are up 79 cents, or 3%, at $27.41.
Other strong gainers this morning include Research in Motion (RIMM), up 39 cents, or 3.3%, at $12.26, and Nokia (NOK), up 24 cents, or 6%, at $4.19.
Speaking of smartphones, in case you missed it, DigiTimes's Cage Chao, Erica Yen, and Steve Shenwrite this morning that unnamed industry sources tell them that five-inch displays and quad-core processors will be "mainstream technologies" at the Consumer Electronics Show next week, and at the Mobile World Congress gathering that happens in Barcelona every February. While quad-core is already becoming de rigueur in high-end phones, the authors write that chips from MediaTek (2454TW) and from Spreadtrum (SPRD) using four CPU cores will bring the technology to mid-range smartphones in the second half of this year.