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By: James J. Ruggiero, Jr. Esq., AEP
Estate planning can be like a poker game; one bad hand and you're liable to lose the game. Indeed, losses in the game of estate planning are potentially huge losses, with adverse consequences for generations to come.
Think about it this way
Husband and Wife work hard their whole lives. By successfully playing the hand they were dealt, Husband and Wife have accumulated over $5 million in assets. Believing he is protecting his assets, Husband executes a simple will with Wife as the beneficiary, leaving her all of the assets. However, unknown to both Husband and Wife, their winning streak may have run its course. The rules of the game have changed.
Remember Wife's inheritance of over $5 million? In 2011, should she die, her heirs will be faced with paying an estate tax.
While you may consider $5 million a large estate, bear in mind that the $5 million mark is only in play for the next two years. During this period, Congress will reevaluate the estate tax threshold. Therefore, even if Husband and Wife have an estate smaller than $5 million, their heirs may be faced with an estate tax in two years' time.
When you include the value of your home plus investments, do you reach $5 million?
Does your strategy involve trusts?
Indeed, the law that was enacted on December 17, 2010 for 2011-2012 is complex even for the most adept poker player, but you do have an option. During 2011, you may choose to have your estate taxed under the new 2011 rule or the 2010 rule (when there was no estate tax). The latter rule requires the executor to make an election. If the executor makes an election to designate assets for modified carryover, the executor can allocate a basis increase of $1.3 million for assets passing to any individual, and an additional basis increase of $3 million for assets passing to a surviving spouse.
Actually, Husband and Wife were not dealt a one-of-a-kind hand, and because of the return of the federal estate tax in 2011, they cannot just let the chips fall where they may. Rather, by establishing certain kinds of trusts, Husband and Wife will come to the table with an advantage and be able to avoid the high stakes often presented by having only a simple will.
The truth is, without the establishment of a trust, all bets are off that your assets will be truly protected for the next generation—even if you don't have assets that reach $5 million.
Suppose once Wife dies, all of the money is devised to Junior by means of a simple will. Aside from the fact that Junior could pay a hefty estate tax, other risks also exist. What if Junior is a spendthrift whose marriage recently ended? Now that the money has passed to him outright by way of Wife's simple will, it now becomes fair game to Junior's creditors and his ex-wife. By contrast, had Husband or Wife established a certain kind of trust for Junior, he could receive enough income to maintain a reasonable standard of living while staving off the likes of creditors and his ex-wife.
Privacy is another benefit of utilizing trusts in your estate planning. As singer Willie Nelson says, "never count your money while you're sitting at the table."
Most of us desire privacy in estate planning. Unlike a simple will, which gets probated in Court and becomes public knowledge, the terms of a trust can be unknown even to its beneficiaries.
Types of trusts
To optimize the rules of the game, Husband and Wife must understand different types of trusts, such as a Revocable Living Trust, the most common form; an Irrevocable Living Trust; and an Irrevocable Life Insurance Trust.
A Living Trust is established during the settlor's (also called the grantor) lifetime. The settlor is the person who creates the trust and is usually the only person who provides funding for the trust. The settlor transfers property to the trustee to be held for the benefit of a beneficiary.
The settlor may also be the initial trustee with a Revocable Living Trust, but a successor trustee is appointed in case the settlor dies. A trust is a revocable trust when the settlor has reserved the right to revoke (amend) the document during his lifetime. The "revoke" card is a critical card to hold as it enables the settlor to revise or terminate the trust, taking into account a change of mind or circumstance such as marriage, divorce, death or disability. The down side to a revocable trust is that assets funded into the trust will still be considered the assets of Husband and Wife for creditor and estate tax purposes.
Unlike the Revocable Living Trust, the Irrevocable Living Trust is an arrangement in which the grantor departs with ownership and control of the property. With this instrument, a Husband or Wife cannot incur a change of mind and retrieve the property. However, since Husband or Wife no longer own the assets, the benefit to them is that the assets cannot be taxed when either dies, nor can they be seized by creditors. Just as each play is calculated and the risks are weighted in the game of poker, the grantor who chooses the Irrevocable Living Trust does so knowing that full protection from creditors and estate taxes is achieved in exchange for the lack of control over assets.
Another game-changing tool is the Irrevocable Life Insurance Trust. Irrevocable Life Insurance Trusts are planning tools used to keep life insurance proceeds outside of the taxable estate. For example, if Husband and Wife have an estate of $7 million, they can pass $5 million to the next generation with no tax under the current federal exemption. That still leaves $2 million subject to tax.
With an Irrevocable Life Insurance Trust, a Federal Tax ID number is obtained and applied for the life insurance policy. Since neither Husband nor Wife is owner of the policy, it will not be part of their taxable estate. Further, the policy can be used to pay taxes on the remaining taxable $2 million.
There are more advanced trusts as well. One example is the Grantor Retained Annuity Trust (GRAT), which is gaining in popularity. In a GRAT, the donor irrevocably gifts appreciated assets into a trust but retains the right to receive back from the trust a fixed annuity amount each year. With a successful GRAT, all appreciation in trust assets subsequent to the original gifting, completely escapes the donor's estate tax and passes directly to the trust's beneficiaries. For the GRAT to be successful, Husband and Wife must survive the life of the GRAT. A realistic assessment of whether Husband and Wife will survive the life of the GRAT must be made and if not, Husband and Wife should try another estate planning tool, which can be discussed with an estate planning attorney.
Gift tax exemptions
In 2011, the gift tax exemption is $5 million for individuals. The gift tax exemption was increased from $1million in 2010 and permits a tremendous amount of wealth to be transferred. Husband and Wife should consult an estate planning attorney to determine if gifting assets is a good choice for them.
With the current $5 million exemption only on the table for the next two years, Husband and Wife can bet all their chips that establishing a trust will ensure saving tax dollars in the future.
Simple wills used to suffice, but times have changed. By establishing a trust that meets their needs, Husband and Wife can ensure they are playing with a full house for years to come.
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By Laura Abernethy in Metro.
Welcome to You Don't Look Sick, our new weekly series about invisible illness and disabilities. There are 13.9 million disabled people in the UK, but for many of them, you would have no idea anything is wrong. Lots of people suffer from debilitating symptoms and daily struggles but when they are out in public, they are challenged when they use priority seats or disabled parking.
They're told 'but you don't look sick' because they don't use a wheelchair or something people associate with disability. This series is a look at what it's really like to live with a disability or illness that no one can see, discussing the symptoms that affect their lives every day and how they are treated when they are out in public.
To read the rest of this story, click on the link below:

subset: commoncrawl


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Dec 8, 2016
Founded in 1620, Kakunodate in Senboku City, Akita Prefecture is a former castle town and samurai stronghold. No wonder the town is often called the 'Little Kyoto of Akita'.
A key part of the town's long history and culture, the well-preserved samurai houses here have been designated heritage buildings. In fact, they are some of the best examples of samurai architecture in all of Japan!
Walk around its streets for a feel historic Japan. And step into one of the houses to see what that life was like; check out the rooms and garden.
Kakunodate is also a very popular destination during cherry blossom season. But actually, it's spectacular all year round, with fresh greenery in summer, and golden maple leaves in autumn.
Namahage is a traditional folk event, held during New Year's Eve in Akita Prefecture, Oga peninsula.This is depicted by men wearin...Read more
Tanbo Art a.k.a rice paddy art is a tradition that dates back more than 25 years and honours the Inakadate village's history and c...Read more
When people look to add the element of "nature" in their travel itineraries, it's usually in the form of a walk or a hike. Not oft...Read more
Nyuto Onsen is a well-known onsen town in Akita prefecture. With a rich history of 300 years, it is one of the ryokans...Read more
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The State Bank of India (SBI) Probationary Officers (PO) exam is one amongst the highly anticipated competitive examinations. The SBI PO preliminary examination kick-started on July 1 and is all set to be held on the 7th and 8th of this month. The preliminary exam consists of three sections, namely, reasoning ability, numerical ability and English language. A total of 100 questions are to be answered in one hour. There is 0.25 negative marking and each question carries one mark.
The first day of the SBI PO preliminary exam took place yesterday in four slots. To make the preparation much better for the aspirants who are taking the exam on July 7 & 8, we have decided to display the exam analysis of SBI PO preliminary exam held on July 1, 2018. The overall question paper seems to be moderate. Let's analyse the SBI PO exam.
SBI PO Prelims Exam Analysis: Quantitative Aptitude
The quantitative aptitude, which is an intimidating section to many aspirants, has not troubled the aspirants much with its tricky questions. Candidates who have attempted at least 19 questions can consider this as a good attempt.
If you are getting a score between 17 and 21, assume that you in a safe position. The data interpretation questions seem to be easy in slot 4 but tough in slot 2. Hence, one can consider this section to be moderate.
SBI PO Prelims Exam Analysis: English Language
The English language section seems to be tougher compared to the Junior Associate exam which took place on June 30. Candidates found phase replacement a bit time-consuming though it's difficulty was at a moderate level.
Though there is less weightage for reading comprehension, aspirants have done well in connecting sentences and sentence starters. If you have scored more than 16 marks in this section, excluding the negative marking, you are on the safe side.
SBI PO Prelims Exam Analysis: Reasoning Ability
Aspirants, who always consider this section as a scoring one, found difficulty in attempting it because of the lengthy questions. The question paper has surprised the test-takers with more than 15 questions on puzzles and seating arrangement.
Aspirants found it easy to answer question based on coding & decoding, blood relation and data sufficiency. If your score is between 14 and 17, assume that you have chances of clearing the exam.
SBI PO 2018 Cut-off
The sectional cut-off for the general candidates will be 8.5 for the English language, 12 for quantitative aptitude and 7 for reasoning ability. While coming to OBC candidates, 3.5 for reasoning ability, 5.5 for the English language and 7 for quantitative aptitude are the expected cut-offs.
The overall cut-off for the SBI PO preliminary will be between 51 and 55 for general candidates. For OBC, it will be between 52 and 48. However, for SC and ST candidates, it will be between 43 and 47 and 31 and 35 respectively. This is only the expected cut-offs; however, the actual cut-offs may vary depending on various factors.
SBI PO Preliminary 2018: One-stop Guide For Your Last-minute Preparation


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- Home
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- Matter at extremes
- A new route to pentavalent post-perovskite
The postperovskite form of NaOsO3 can be synthesised from the known perovskite form at pressures in excess of 16 GPa. Also, this new postperovskite can be more advantageously grown from a lower pressure KSbO3-type at less than 6 GPa. In situ X-ray diffraction using the ID06 large volume press was instrumental in these studies.
The 5d compounds have fascinating properties that can be adopted for spintronics and other advanced electronic technologies. In recent years, a variety of new compounds have been isolated in the Na-Os oxide system. These include the high-pressure production of pentavalent, hexavalent and heptavalent compounds, all of which we have observed in the course of this study. The pentavalent NaOsO3 stoichiometry has been previously described as a KSbO3-type and a perovskite [1,2]. These KSbO3-type structures are, generally, a family of tunnel-containing compounds that exhibit a range of chemistries and a plethora of attractive physical properties; including ionic conduction, catalytic activity and oxygen sensing. The wider KSbO3 family also support great flexibly in their chemistries. This, combined with the wide range of valences available in the Na-Os-O system, makes them an ideal system for exploring new synthetic protocols that can exploit changes in oxidation state and bulk chemistry to produce novel phases.
Such in situ synthetic work at high pressures and temperatures is rather complex and we have sought to overcome some of the technical difficulties by first pre-synthesising two samples offline, in Pt capsules, at 6 GPa. We have used two near-identical schemes that incorporate the same nominal mixtures of 1:1 Na2O2:OsO2 with excess oxygen source, from sodium peroxide, to produce perovskite and KSbO3-type-rich initial starting materials.
In a first run, using the large-volume press at beamline ID06LVP, a single phase sample of perovskite (pv) NaOsO3, was pressurised up to 16.35 GPa and the temperature increased. At 1135 K, inspection of the changed diffraction profiles readily demonstrated the formation of CaIrO3-type ppv-NaOsO3. This was quite unexpected as many structural indicators are completely against pv-NaOsO3 forming post-perovskite (ppv); for example, its lattice parameters at ambient conditions (Pnma; Z = 4, a = 5.3830(3), b = 7.5763(4), c = 5.3245(3) Å) are closer to pseudocubic, Φ = 10.55º, than are normally considered sufficient to lead to the crystallisation of ppv at high P. The tolerance factor is also higher than t = 0.9 (at t = 0.924), as is the ratio of polyhedral volumes, VA/VB = 4.82, which are both well above normal cut-offs for pv to ppv transitions. Assuming a dP/dT slope of 10-17 MPa/K, and that the synthesis is representative of an equilibrium transformation, this would place the room temperature transition at less than 5 GPa.
Fig. 126: A series of semi-continuous X-ray diffraction patterns collected upon pressurising and during two heating-cooling cycles. Shown is the lower angle part only. Of note: (A) Increased splitting of the (110/1-10) pair; (B) Loss of NaO2OsO4; (C) rR to c-NaOsO3 transformation; (D) Quench, end heating cycle 1 (E) 's'-shaped-kink, onset of OsOO2 and crystallisation of ppv (F). (G) Quench end of heating cycle 2, followed by reheat. Simulated diffraction patterns for c-NaOsO3, OsO2 and ppv-NaOsO3 are shown as key.
Using the less dense and alternate KSbO3-type rich sample, at 6.05 GPa, Figure 126, A, the secondary Na2OsO4 phase (due to Na2O2 excess) is consumed into the single-phase rhombohedrally distorted KSbO3-like phase at 750 K, Figure 126, B. Immediately after this, a continuous transformation from rR to c-NaOsO3 is observed (830 K), Figure 126, C. From these results, higher temperatures and lower pressures favour the crystallisation of the Pn-3 type KSbO3-form over the rhombohedral distortion. With further heating, following intermediate quench (D), we evidence two almost coincident events: (i), at 750 K, the sharp 's'-shaped kink in the c-NaOsO3 peaks (E) that occur with the growth of rutile-type OsO2 and, (ii) at 825 K, F, the growth of ppv-NaOsO3. The rapid peak-shift to lower d-spacing of all cubic peaks and concomitant growth of OsO2 is indicative of a reduction of lattice size, with presumably, loss of Os to its rutile-structured oxide. Ppv crystallises immediately after. At conversion, the lattice of ppv is a = ;2.8192(17) Å, b = 10.4047(21), c = ;7.3179(18) Å (V/Z = 53.66 Å3/f.u.); with c-NaOsO3 at a = 9.0709(7) Å (V/Z = 61.20 Å3/f.u.) and their relative volume difference is ∆V = -12.3%. A recovered sample, quenched at point G, shows fine-grained texture for the ppv, while the minor KSbO3-like phase is spotty and has reverted to a new rhombohedral distortion.
From this alternative route, we observe that i) pv-NaOsO3 can be advantageously formed from an assemblage that does not yet contain any pv, ii) ppv can be formed from phases other than pv (even in systems where pv occurs) and iii) the growth of pv as a precursor or indicator to ppv is counterproductive, requiring more than 10 GPa higher pressure to initiate the transformation. The difference in volumes of >10% (KSbO3-type to ppv) compared to just 1-2% for pv-ppv at transformation no doubt influences this. From both NaIrO3 and NaOsO3, limits in both pseudocubic tilt and tolerance factor could be reassessed to include more pentavalent chemistries.
Principal publication and authors
An alternative route to pentavalent post-perovskite, W.A. Crichton (a), K. Yusenko (b), S. Riva (b), F. Mazzali (b) and S. Margadonna (b), Inorganic Chemistry 55, 5738-5740 (2016); doi: 10.1021/acs.inorgchem.6b00780.
(a) ESRF
(b) College of Engineering, Swansea University (U.K.)
[1] A.W. Sleight et al., J. Solid State Chem. 183, 402 (2010).
[2] Y. Shi et al., Phys. Rev. B 80, 1661104 (2009).


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When Ann Budge burst on the scene, she was greeted by the SMSM as some sort of female Messiah who was going to fix all of Scottish Football's ills.
A successful businesswomen in her own right, she took the helm at Tynecastle and, with the help of the FOH, steered the club out of administration, and back to good financial health.
With a new main stand being erected at the Gorgie ground, she's obviously go her hands full, but does that mean she's taken her eye off the ball?
With every man and his dog aware that Sevco are living a hand to mouth existence, how could they possibly have been granted a license to spend three hours in the Europa League? Surely, under UEFA rules, they were ineligible? And surely as Hearts were the club who went without a European campaign, Ann Budge would be wanting assurances from the SFA?
Yet, we never heard a thing.
And surely, given the result of the SC last Wednesday Hearts would be looking for some sort of action being taken to punish the cheats? After all, I'm sure after Celtic, the Edinburgh club lost out more than any other.
Yet, we never heard a thing.
However, when Celtic supporters defaced a part of the Tynecastle ground with STICKERS, oor Annie was up in arms, giving Celtic all sorts, with a purpose you'd think might be reserved for someone who's maybe cheated your club out of millions of pounds.
So, what I'm really asking here is, has the Queen of Hearts given up her role to keep onside with the Knight of the Realm, the same one who cheated her club? Business is business after all….


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Hello Loves,
We have hit the summer season, and that means one thing to appetite… SEAFOOD. Yes loves, I love all things seafood. When I think of summer seafood I think oysters. What better place to get Oysters then Shuck Raw Bar? Located at 5200 Kingston Pike, this one of a kind restaurant will hit all your oyster and crab legs cravings without piling the family in the car for a 6 hour drive to the beach.
Now let's talk prices! This isn't a date place where you can get out for under $30, so come prepared to drop some cash, Loves. Now even though you are going to spend a little more money, the food is totally worth it. You can have anything from oysters (raw or cooked) to fried grouper to crab legs galore. This is a great place to just feel like your at the beach. It doesn't get super slammed, but from I hear Monday is the best day to go because they half off specials. Want the icing on the cake? They serve my favorite beer, which pairs nicely with everything on the menu if I do say so myself.
This is a great place to go and try something you have never tried before. I was scared out of my mind to eat oysters because I was for sure they were going to be gross. They are pretty good my friends! Just remember, when in doubt add more lemon. They are totally worth it.
Shucks gives my summer approval and it also is another great place for you to add to your summer list of great food! So head on in, order some crab legs and a few Mill Creek Lil Darlin' beers. Don't forget to tell them your go to girl for Knoxville sent you!


text: Geri Foster – Out of the Dark posted on October 27, 2016 by PJ Fiala Hello Everyone! My name is Geri Foster and I'm the author of over twenty-three books. I'd like to thank Patti very much for inviting me to her blog. It's great to be here! As a writer of Romantic Suspense, I want to talk about our new boxed set, DUTY, HONOR, LOVE, which I'm in with… Read More » view comments 6


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The True Definition Of Pristine And Luxurious L...
- 4 Beds
- 6 Baths
- 6,304 SqFt
Staten Island, NY
The True Definition Of Pristine And Luxurious Living Lies In The Splendor Of The Home And The Bea...
As a private investor, Paul has been involved in real estate for over 30 years. In 2010, he decided to get his Salesperson license and joined Coldwell Banker Hometime Real Estate. In 2013, he then came over to United National Realty. With extensive experience negotiating, he enjoys helping others, both buyers, sellers, leasees and Lessors, achieve satisfactory conclusions to what are very important decisions. But his true passion is children. In 2008, along with a few colleagues, Paul decided to start a local children's charity and the Emergency Children's Help Organization, ECHO, was formed. As vice chairman from inception, he has rewarded himself with knowing that he's helped many local families through very difficult times. He is married, with 2 adult children and they are all involved in ECHO as well. Paul hopes to earn your trust while helping achieve your goals. He'll never steer you wrong.
Staten Island, NY
The True Definition Of Pristine And Luxurious Living Lies In The Splendor Of The Home And The Bea...
Brooklyn, NY
First Floor Professional Office Assemblage In A Luxury Residential Building In The Most Sought Af...
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Listing data is deemed reliable but it not guaranteed accurate by the MLS.
Listing information is provided by the Staten Island Board of REALTORS®.


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So it will be at the end of the age. The angels will come forth, separate the wicked from among the just, and cast them into the furnace of fire. There will be wailing and gnashing of teeth.
Matthew 13:49-50
There are people who spend their lives acting in ways that do not seem to have to be accountable to God. We are not eternal and someday we will leave this world. But the world we know is not eternal either and someday its extinction will also come. After the end of the age, as Matthew 13:49-50 says, the righteous will be separated from the wicked. The fate that awaits the latter is described in this way: and cast them into the furnace of fire. There will be wailing and gnashing of teeth.
Most people cling to this world and its things. It is unlikely that we will find someone who does not fear dying or losing what they own. The natural tendency is to cling to life, family, property and the place where we live. And when things are not going well, such as health problems, domestic conflicts, natural disasters or threats of nuclear war, even atheists react by asking for prayer for God to fix things. They do not want to see the things they know and love disappear.
Although humanity unanimously agreed that the world we know is eternal, God's plan is different and will not change it in any way. It is written that heaven and earth will pass away and the only thing that is eternal is the Holy Word of God, which will be fulfilled in the time predicted by Him. It is written in Mark 13:31, Heaven and earth will pass away, but My words will by no means pass away. Therefore, to ask God to change His mind and leaving the world like that, is to completely ignore God Himself.
In Genesis 1:1 we read, In the beginning God created the heavens and the earth. God found that all His creation was good and can expect nothing other than that, coming from a good and perfect God. However, after the fall of our first parents with original sin, our world changed completely. Genesis 3:17 says, Then to Adam He said, "Because you have heeded the voice of your wife, and have eaten from the tree of which I commanded you, saying, 'You shall not eat of it'": "Cursed is the ground for your sake; in toil you shall eat of it all the days of your life."
The earth is cursed because of sin. That was not God's original plan with humanity but to have an intimate and close relationship with us. A Holy God is incompatible with sin. Man not only sinned against God, but gave to the devil what God had given him, that is, the dominion over the earth. At this moment, the world we know is cursed and under the power of the wicked one. To recover God's original design, a simple patch of this world is not enough. You have to do everything new!
Sometimes the buildings are so deteriorated that it becomes necessary to demolish them to give way to the construction of something totally new. That is just what God will do, there will be an end of the age, an end to the earth and the heavens we know. Then there will arise a new earth and new heavens where justice prevails. The Lord says that on that day the wicked will be separated from the righteous. Who are the righteous? Those who have believed in Jesus Christ have repented of their sins and accepted justification by grace through faith. The rest will remain in the group of the wicked, where we all were, and their fate will be eternal punishment. God bless you.


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Blood Orange Vinegar
In a nutshell: This delicously fragrant vinegar, made with Sicilian Tarocco blood oranges and organic Catarratto white wine vinegar is perfect for salads, chicken and seafood recipes or simply use as a drinking vinegar in Shrubs and cocktails.
Inspired by Sicily's abundant citrus fruits in the winter months, this limited-edition, unpasteurized vinegar is made with uncertified organic Tarocco blood oranges grown by the Laudani family beneath Mount Etna. The juicy fruits, macerated in organic Catarratto white wine vinegar, are aged for a minimum of 9 months before bottling and the result is a vinegar filled with the vibrant flavours of Sicily. Try this zesty vinegar drizzled over fruits or seafood salads, add to chicken marinades before grilling or simply use in Shrub cocktails and punches.
Details 200ml or 500ml, 6° acidity
About Vinegar Shed
This is how Vinegar Shed came about from a 20 year love affair with making small batches of homemade vinegar in various pots and barrels in our kitchen. Always giving it away to friends and family, chefs and food writers around the world, they all loved it and encouraged us to start this vinegar revolution! Now, we've progressed to all sorts of wooden barrels and use sustainable oak, chestnut and acacia to age and make our vinegars in our West London HQ.


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Hudson Hospital & Clinic welcomes its first baby of the New Year!Wednesday, January 2, 2019
Hudson, Wis. – The first baby of 2019 born at Hudson Hospital & Clinic arrived at 9:21 p.m. on January 1, 2019. Angus Patrick Murphy made his New Year's Day debut weighing 8 pounds, 4 ounces.
Angus is the first child of Summer Stephens and Patrick Murphy of River Falls, Wisconsin, and the first grandson to both sets of grandparents. Stephens shared that Angus's name reflects her Scottish heritage and Patrick's Irish heritage. It's also the name of the street she lived on as a child.
"The care has been phenomenal, outstanding," said Murphy. "The nurses and doctors were just awesome," added Stephens.
Nurses presented the Murphy/Stephens family with a gift basket and congratulations from everyone at Hudson Hospital & Clinic.
Angus Murphy, the first baby of 2019 to be born at Hudson Hospital & Clinic.


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There are over 5 million timeshare owners world-wide, and the most recent survey had 85.6% agreeing that timeshare ownership was a positive experience. But maybe you shouldn't buy a timeshare. Here are 5 reasons not to buy a timeshare:
- Looking for an Investment
A timeshare is not a real estate investment. This can be confusing for some people. Legally a timeshare can be considered deeded real estate, you have to pay property tax on it, and in many states timeshares are regulated through the real estate commissioner's office. However, a timeshare does not act like real estate. You don't own a piece of property, but rather you're buying a share of some time to use some property. Think of purchasing a timeshare more like purchasing a car – it can be listed in your will, it's very handy to have, and it will depreciate in monetary value.
- You don't take Vacations
The entire point of owning a timeshare is to make vacationing easy on a routine basis. If you know you'll be taking a week's vacation every October, and like visiting Maui, then buying a timeshare on Maui for that week will allow you to have a pre-planned vacation every year. However, if you're not someone who vacations on a regular basis, then a timeshare won't work for you.
- Unpredictable Vacation Time
Maybe you do take a vacation every year, but you never know when or how long it will be. Many timeshares restrict you to a particular week of the year, and if you don't know when you'll have time off then, don't buy a timeshare. However, there are ways to make your timeshare flexible. Exchanging your timeshare week is an option, as is purchasing through a vacation club that works on points rather than calendars.
- Ties up Cash Flow
There's no getting around the fact that paying an up-front fee on a future vacation limits your cash flow in the present. If you take out a loan you'll have interest to pay, and every timeshare purchase also includes monthly maintenance fees, all of which contribute to the amount of cash that is tied up each month.
- Scams
Disreputable companies and timeshare sellers are no doubt a part of the timeshare world. If you don't keep your eyes wide open, do your research, and deal only with businesses that have a reputation for honesty (always check with the Better Business Bureau, or the consumer affairs office your state) you'll have a negative experience with your timeshare purchase.
If you are wondering if a timeshare purchase is right for you, take a vacation with a timeshare rental first. You'll learn a lot that can help in your decision, one way or the other.
Categorized in: buy a timeshare, timeshare rental


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increasing their risk of fragility fracture, according to findings from a prospective cohort study.
A total of 3,149 participants (70% women) were included in the study, 138 (60% women) of whom had type 2 diabetes. The mean age was 65 years and mean follow-up was 9.2 years. Over the study period, 611 fragility fractures were reported, of which 35 were in patients with diabetes and 576 in patients without diabetes. Overall, 25.4% of patients with diabetes experienced a fragility fracture, compared with 19.1% of control patients. Diabetes was associated with a significantly increased risk of all fragility fractures (hazard ratio, 1.54). It was also significantly associated with risk of hip fracture (HR, 2.60) but not clinical spine fracture.
In a Cox model incorporating the interaction between frailty index (FI) scores and diabetes, there was a significant association between FI and overall fracture risk per 0.01-point FI increase (HR, 1.02; 95% confidence interval, 1.01-1.03) and per 0.10-point FI increase (HR, 1.19; 95% CI, 1.10-1.33). However, no interaction between frailty and diabetes was observed for hip or clinical spine fractures.
"Frailty status may aid in the understanding of the paradox and thus enhance the quality of assessment and care for diabetes," wrote Guowei Li, MBBS, PhD, of McMaster University, Hamilton, Ont., and his colleagues, adding that "particular attention should be paid to diabetes as a risk factor for fragility fractures in those who are frail."
Four study authors reported conflicts of interest with some pharmaceutical companies that manufacture therapies for osteoporosis.
SOURCE: Li G et al. Diabetes Care. 2019 Jan 28. doi: 10.2337/dc18-1965.


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Ubisoft, which is in the midst of fighting off what company executives have called a possible hostile takeover bid by leading game publisher Electronic Arts, said in a statement on Monday that it would enter the sports game market with a golf title featuring top-ranked pro Vijay Singh.
The company said it also had acquired all team sports assets from Microsoft Game Studios, which created in-house titles for the Xbox console. Ubisoft said it would create new games based on Microsoft's football, basketball, hockey and baseball franchise, all shelved by Microsoft last year, in the wake of poor sales against EA titles.
"There is still room for innovation in the sports genre, and Ubisoft has some great ideas that we're looking forward to implementing," Ubisoft CEO Yves Guillemot said in the statement. "We hope to not only offer sports fans games that have a unique flair and character, but also something that will take advantage of the fabulous capacities of current and next-generation consoles."
Ubisoft will have a tough time capitalizing on at least two of the Microsoft franchises, thanks to recent business moves by rivals. EA, whose "Madden NFL" franchise is a perennial moneymaker, recently signed a licensing agreement with the National Football League that gives it exclusive rights to depict pro football teams and players. In addition, rival Take-Two Interactive Software has brokered a similar deal with Major League Baseball.
Any activity in the sports market will also put Ubisoft in conflict with EA, which recently acquired a minority ownership stake in the French company. While EA has not disclosed intentions beyond its buyout of 20 percent of Ubisoft stock, Guillemot has said he views the move as an opening gambit for a possible hostile takeover.
EA has titles covering almost every major team and individual sport, including golf, where the company's "Tiger Woods PGA Tour" games have long dominated the market.


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By Rieva Lesonsky
Are you getting ready to start a business? So are lots of other people. What are the smartest startup entrepreneurs doing? The Ewing Marion Kauffman Foundation and LegalZoom decided to find out by surveying 1,431 people who started businesses last year. The results, The Startup Environment Index 2012, is a great indicator of what startups are doing today and has two good lessons for you.
1. Start low-cost. With financing harder to find and risk somewhat scary in a still-struggling economy, entrepreneurs are being smart and starting businesses in low-cost industries. The 10 most popular industries for startups included consulting; services (including home services and business services), technology, real estate and sales. Somewhat surprisingly, retail stores (yes, physical stores) and construction/contracting also made the top 10 startups list.
Starting low-cost is smart, since a whopping 80 percent of startup business owners in the survey had used their own money to finance the launch. Five percent got loans from family or friends, 10 percent used credit cards, 4 percent used bank or home equity loans and 6 percent got money from other outside investors. Of the 60 percent of startup business owners who said they were facing challenges, 45 percent cited the inability to access credit as a key challenge. If you can't get the money you need, it's smart to pick a startup that doesn't cost much so you can finance it yourself.
2. Take time to plan. While there's a perception that you can't be an entrepreneur unless you're an impetuous risk-taker, in reality, 60 percent of those in the survey say they spent over six months planning their business idea before they launched. What's more, 21 percent spent one to three years working on their concepts, and 14 percent spent over three years!
Moreover, these aren't novices we're talking about. Most of the startups had six or more years of previous work experience in the industry they chose to enter. Yet despite this, they still took the time to plan out their launch.
In an era when we sometimes get the impression that the "coolest" startups are launched on a whim based on notes jotted on a cocktail napkin, I think the fact that business owners are taking time to think about their concepts is actually really cool.
Follow @Rieva
Follow @SmBizDaily


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We have two spaces available to rent. Please message us for specific rental costs for each room depending on your needs. We are happy to work with your budget and can offer discounts to nonprofits. 1. The tasting room is a bright, light-filled space with modern decor that can comfortably fit up to 50 guests standing with seating for about 30. Great for birthday parties, meetups, nonprofit board meetings, or corporate offsite team building. There is a kitchen connected to the tasting room, as well as an office space that can be used for prep, storage or a seperate breakout space. 2. The 5,000 sq foot barrel room is a clean open industrial space that can accommodate flexible arrangements of tables, DJ, band, etc. We also have a projector with built in screen, making this a versatile space for larger work meetings, dinners, fundraisers, or small intimate weddings. Some equipment can be moved to a corner but most of our barrels can not be rearranged. There is a sink / lab area that can be used. If a kitchen is required, both the tasting room and barrel room need to be rented.
Don't see an amenity you're looking for? Ask the host, Vanessa
Guests may cancel their Booking until 7 days before the event start time and will receive a full refund (including all Fees) of their Booking Price. Guests may cancel their Booking between 7 days and 24 hours before the event start time and receive a 50% refund (excluding Fees) of their Booking Price. Booking cancellations submitted less than 24 hours before the Event start time are not refundable. Learn more


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Happy Memorial Day!
Comments : 0
Salute to all…A low key weekend for us. Even Sara has Monday off, which is rare in itself.
Warm weather, with nice cool foggy breezes along the coast. Good food, and some much needed rest. Our tribute meal was today. Prime rib on the grill, mashed potatoes with fresh garden herbs of oregano, garlic chives and lemon thyme, and baked beans.
With, a wonderful night cap with NASCAR, coke 600…
Thank you to all of whom have passed, and died for out country.


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- Steps
- Ingredients
Pickled Fennel
Brown Butter Emulsion
Charred Baby Cos Hearts
Crispy Capers
Soft Boiled Eggs
Seared Tuna
Select All
- For the Pickled Fennel, place the apple cider vinegar, sugar, salt, ground fennel and ¼ cup of water into a small saucepan over high heat and bring to the boil. Remove from the heat and allow to cool slightly. Place the thinly sliced fennel into a small bowl then cover with pickling liquid and set aside.
- For the Brown Butter Emulsion, place the butter into a small saucepan over medium heat and cook until butter turns a nut-brown colour, careful not to burn, about 8-10 minutes. Strain through a fine sieve and discard the brown milk solids. Transfer the strained liquid to a pouring jug and set aside to cool to room temperature.
- Bring a small saucepan of water to the boil over medium heat, add the egg and boil for 2 minutes to coddle. Remove egg and place into an ice bath for 5 minutes.
- Remove from the ice bath and crack the egg carefully into a stick blender canister. Use the egg shell to remove any hardened egg white. Add the apple cider vinegar, salt and pepper. Blend with a stick blender to combine. While blending, slowly pour in the cooled browned butter liquid and blend until emulsified. Season to taste and set aside.
- For the Charred Baby Cos Hearts, heat a large frypan over high heat. Cut the lettuce hearts in half, lengthways, and brush the cut sides with olive oil. Add the cos halves, cut side down, to the hot frying pan and cook until charred, about 3-4 minutes. Remove from the pan, season with salt and set aside.
- For the Crispy Capers, heat the oil in a small saucepan over a medium heat. Add the capers and fry until crisp and golden, about 5-6 minutes. Remove from the oil and set aside on paper towel.
- For the Soft Boiled Eggs, bring a small saucepan of water to the boil over a high heat. Add eggs and boil on a medium heat for 5 ½ minutes. Remove the eggs and place into an ice bath for 5 minutes. Peel then season with salt and set aside.
- For the Seared Tuna, place a large frypan over high heat then add oil. Trim tuna into even sized portions and coat in ground fennel and salt. Once the frypan is very hot, add the tuna and sear for 1 minute on each side, or to your liking. Remove from the pan and rest for 5 minutes. Cut into 1cm thick slices.
- To serve, cut the Soft Boiled Eggs in half and arrange over plates with drained Pickled Fennel, Charred Baby Cos Hearts, Crispy Capers and Seared Tuna slices. Dress with Brown Butter Emulsion and garnish with fennel fronds and flowers.


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Monetary Policy and Financial Institutions in Financial Crisis
This content was COPIED from BrainMass.com - View the original, and get the already-completed solution here!
Given the recent banking industry crisis, do you think repealing the Glass-Steagall act was a mistake?
Be sure to consider effects on banks as well as on bank customers, and the market reaction to the repeal in your analysis.
Sources you can use:
Cftech.com. (n.d.). Understanding how Glass-Steagall Act impacts investment banking and the role of commercial banks. Retrieved on August 2007 from: http://www.cftech.com/BrainBank/SPECIALREPORTS/GlassSteagall.html
Heakall, R. (2003). What was the Glass-Steagall Act? Investopedia. Retrieved on August 2007 from: http://www.investopedia.com/articles/03/071603.asp© BrainMass Inc. brainmass.com June 4, 2020, 3:09 am ad1c9bdddf
Solution Preview
Hello, please take a look at the following.
Effect of Glass-Steagall Act over Banks
Before the introduction of this act, banks were free to use depositors' money in any form. Banks at that time were too speculative and were taking highly risky decisions in the hope of getting maximum returns. The objectives of banking have changed to earn maximum profit with people's money. Banks were providing unsound loans to such companies in which banks have their interest. The American banking industry was getting worse with the steps taken by the banks. Over 11,000 banks have been closed and there has been decline of almost 40% in the number of banks in the country (Markham, 2006). The introduction of this act has resulted into both positive as well negative impacts over banks. It has helped banks to improve their financial condition through making better investment decisions.
Through this act, banks are allowed to make limitations into their services, like either commercial banking or investment banking. Banks were able to focus more on a single part of their business. Sound investment decisions are being taken from the banks' side, resulting into profit maximization of banks. The risk factors associated with banks have reduced to a great extent, which has increased the number of customers. Since there was too much transparency into the system, there were very limited chances of risks to arise (Geisst, 2004). Apart from this, it has also helped banks to formulate effective strategies to explore the limited resources. With this act, banks were prepared with the challenging environment in banking industry. Competitive innovation in banks' working environment is the result of this act.
Yet, at the same time, many believe that with the introduction of this act, it has become very difficult for banks to maintain their financial stability. Since the doors of opportunities have closed for banks, the market share of banking industry was rapidly declining with the increase of market share of security firms (Hassan & Lai, 2005). The investment in security firms was very high in comparison to banks, so there was loss of profit margin for banks. In addition to this, banks were unable to provide customers with a wide variety of products that further affected their business. As there were many customers, who wanted all kinds of financial services under same roof, banks were unable to explore benefits from such customers.
At the same time, it has subsequently affected the banks' customer base also because of business diversification. There, more conflicts of interest arose between banks that made the banking industry more competitive. It has become difficult for banks to survive ...
Solution Summary
Monetary policy and financial institutions in financial crisis is examined.


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If you come on here looking for some mind-blowing conversation or profound words of wisdom, well you've come to the wrong place and will be disappointed. I'm just an ordinary bod who likes to share my day with anyone who cares to listen. Tales of my dogs, my garden, my family and happenings in my life that I feel might just be amusing....If you're happy with that, draw up a chair, light up a ciggie if you wish or have a cup of tea and make yourself at home.
Thursday, 21 April 2011
Following footsteps
Click and follow this link, about a girl and her lost dog, quite remarkable.
Thank you for visiting and please come back, Arlene, Tango and Ruby
6 comments:
Hi Arlene, just dropping by after walking around Blogspot for a change, and I've already left a comment on your WordPress blog, but this is so uplifting a tale that I had to comment again. Made my day. Bess hasn't been eating today, BUT I've bought her some Renal Dry dog Food specially for dogs with her Kidney condition so fingers crossed. x Pen and Her Maj xReplyDelete
Thank you Pen, where is everybody else? oh well glad I've got WP for a back up. I hope the special food does the trick and Bess picks up soon, do keep me posted, just in case you don't catch this one i'll be replying in WP. I am so tired, I cna't see me on here long. Love and hugs XXReplyDelete
Awesome story, Arlene. Great idea for the girl to go walking barefoot so the doggie can get her scent. It sure worked out very well.ReplyDelete
Arlene, you must have patients with us followers.
Thank you Horst, I know you're aways thereabouts.ReplyDelete
I thought it was such a wonderful story I just had to share it.
I meant to say....Patience is not my strong point LOLReplyDelete
Hi Arelene hope you are enjoying the lovely weather , sat outside till 6 pm last night so warm. I see London has smog today after their hear wave. I will check this link out in a min about the girl and her dog. Have a lovely weekend. XSheila and Wile-e x hope the girls are ok Tango and Ruby. xxReplyDelete


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Registered: Oct 2005
Location: Kenbridge,va
Posts: 2682
Sunspot and Valley Creek have teamed up again to bring you The Mini Smoker...A small light with a big punch..75 thousand lux in a package that won't wear your neck out..Comes with red color and a walk light that competes with our big lights.2 plus true hours on high beam with the color of the old 5100 hundred heads..As always a lifetime warranty!! $195.00 introductory price!
Home Of Valley Creek Hunting Supply..Dalton Farms Softball and Misty Hollow Kennels 434-865-4868
Last edited by John B.Dalton on 07-06-2019 at 04:20 AM
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Gonna try and get a quick video tonight and put it on facebook page..Thanks for the interest!!
Got a short very amateur video tonight on my facebook page ..The little light will suit a lot of guys and gals ..17 ounces on a bump cap.
This is light is the cats meow..As much light as you will ever need on the ground and in the trees for the majority of the year..The feel on your head is incredible with the balance and the weight..Thanks for the guys trying these!
Have plenty on hand..One of the best little lights ever produced that has enough light in every situation to get the job done..Thanks a bunch!
Thanks for the orders..We have sold these to farmers,ranchers,truck drivers,night fisherman,bear hunters and even a few to coonhunters..Once the guys put this on their head all they say is wow ..Balanced,lightweight,true lux values and burn times and backed by a lifetime warranty..Come see us at autumn oaks!!
Come on by and check out the mini double smoker...Alot of light for the money!!
Copyright 2003-2020, United Kennel Club
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I can't believe how user friendly this bluetooth speaker is. Plug the USB cable into the speaker and a USB port. A red light illuminates on the top of the speaker while charging and turns off when charging is complete. It was SO easy to pair to my iPhone. I went to my bluetooth devices and it immediately paired as MAZE EXCLUSIVE. All functions are available on the top of the speaker, power, volume, changing tracks and answering phone calls.
The speaker has a large, commercial grade suction cup. I attached it in my shower and it stays put very firmly. Best of all is the sound quality! I was blown away! It's loud, crisp, clear sound! I was truly "wowed"! Made my shower that much more enjoyable, in fact I may never want to get out of the shower. I wish I could play the sound on this review, but it would do it justice if you don't hear the sound live from the actual speaker.
The speaker seems to be very well made and durable. At the current price on Amazon of $29.99, this is an amazing deal! I know what I'm getting my college age kids and my grandkids for Christmas! You've got to hear it to believe it!
I received the Maze Exclusive IPX7 Waterproof & Dust-proof Floating Bluetooth Shower Speaker at a discount in exchange for my honest, unbiased review, which I have given to assist other buyers in making informed purchasing decisions. If you have questions about this review or product, please leave me a comment and I'll answer it to the best of my ability.


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SAPUI5 is a framework for developing apps on the web.
A framework for development
The engine that has been quietly powering the Fiori revolution is called the "User Interface Development Toolkit for HTML5", or UI5 for short. It's a framework for development apps on the web. Apps that are role-based, adaptive, coherent, simple and delightful. Those are the key design principles behind Fiori, and it's no surprise, as the development of UI5 itself has been in conjunction with the blossoming of Fiori as a design language and as a set of apps from SAP.
Build modern, responsive web apps
If Fiori, the design language, sits at 10,000 feet, then UI5 is at ground level, where the rubber meets the road. It's a set of libraries and mechanisms that allow SAP, partners and customers alike to build modern, responsive web apps. UI5 doesn't constrain us to the Fiori design language, but if we want to build according to Fiori principles, there's nothing that comes close to what UI5 has to offer.
At the forefront of the SAPUI5 revolution
SAP made SAPUI5, the SAP-licensed version of the toolkit, in February 2012. We were early adopters and a month or two later published an article "SAPUI5 - the future direction of SAP UI development?" that set the scene for the rest of the world. Since then, we have been at the forefront of the UI5 revolution, working alongside SAP to develop the toolkit, demonstrating thought leadership with sessions and tutorials at conferences globally, and writing the first book on UI5.
OpenUI5: A stable, capable enterprise-ready toolkit
Alongside SAPUI5 there's OpenUI5, an Apache 2.0-licensed version which SAP open sourced at the end of 2013 and now develops in parallel to SAPUI5 - in fact, it's the same codebase. Over the years since it was introduced, UI5 has matured into a stable, capable enterprise ready toolkit that we are proud to be recognised as experts in. We've even won awards and keynoted at global events such as Mastering SAP Technologies and the inaugural SAP Architect & Developer Summit on the subject of UI5.


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So last night I took a little nap after class.
I woke up and the house was dark...no Scott.
He walked in, and I couldn't see because I didn't have my contacts in.
I turned on the light to him holding a dozen roses and a card.
Absolutely B-E-A-UTIFUL :)
I am one happy girl!!
I also posted yesterday a video of one of the twins, but its so darn cute I am posting it again!
I hope you all have had a great day!
I get a three day weekend!!


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|Today's opening hours:
Market Place, Wells, Somerset BA5 2RF
Army surplus clothing and equipment for all ages.
Helfire Surplus Supplies is based in the Cathedral City of Wells in Somerset and was established in May 2001.
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As well as attending our local Wells Market every Saturday we also attend a wide variety of Army, Air and Agricultural shows throughout the summer months every year.


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If you like Chinese food you'll love Malaysian Food
Trust me when I say that if you love just tucking into a great Chinese then Malaysian food is right up your street.
Our signatured satay skewers are really to-die-for Offering a true culinary experience!
Trust me when I say that if you love just tucking into a great Chinese then Malaysian food is right up your street.
What could be yummier?! The nation's main ethnic cultures; Malay, Chinese and Indian, have infused their varied tastes and history into international food. The tantalizing outcomes is a wealthy and flavorsome cuisine that is very simple on the palate.
The unique appeal of Chinese food is its vast menu. Just as the Chinese will eat anything with their backs facing the sun, the cooks will cook it in every possible manner. For instance, there are innumerable versions revolving on one straightforward subject of noodles. Give it a small gravy and some salted anchovies, it's called 'Pan Mee'; fry it in a flaming wok with some soy sauce and it becomes 'Char Keow Teow'; marinate the noodles in rich oil with prawns and it's called 'Hokkien Mee'; the list continues. While Chinese food is typically light in flavor, the Malaysian Chinese have innovated and created dishes using a touch of Indian and Malay cooking, creating food that may be equally as hot. Chopsticks are the preferable approach to eat and ought to be utilized right; not crossed in the middle and used in an 'X' motion. Chicken and pork are incredibly popular but exotic meats like venison, frogs, shark fins, snails and yet the occasional lizard are used. Chinese food may be the most changed in Malaysia and on top of that, it's everywhere – from hawker stalls to 'kopitiams' (store lot restaurants decked with the barest furnishings) and elaborate eateries to the modest Chinese restaurant. Here are a few meals to try:
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The name literally translates as "meat bone tea", and, at its most straightforward, consists of fatty pork ribs simmered in a broth of herbs and spices (including star anise, cinnamon, cloves, dong guai, fennel seeds and garlic) slow cook for days. Nevertheless, added ingredients may contain offal, varieties of mushroom, choy sum (vegetables), and pieces tofu puffs.
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Judy Collins is honoring a music colleague she's admired for years, as A Love Letter to Stephen Sondheim hits DVD February 24. Collins' passion for Sondheim's compositions span several decades, starting with one of the artist's most signature works.
"I have loved the songs and the shows of Stephen Sondheim since recording "Send in the Clowns" in my album Judith in 1974," said Collins "My version of the great Sondheim ballad has garnered a Grammy, the top ten slot in Billboard twice in a decade, and is still played on the radio all over the world. Ever since the success of 'Send in the Clowns,' I have longed to sing the rest of Sondheim's greatest songs. Now, I have the opportunity do to that. These songs glow with familiarity and inhabit the rooms and vistas of all our lives, scenes and melodies from Little Night Music, Sweeney Todd, Sundays in the Park with George, Company, Merrily We Roll Along and Into the Woods. I pray to do justice to these great songs, and to their composer, one of our National Treasures, Stephen Sondheim."
Recorded May 2016 at The Boettcher Concert Hall (Denver, CO), A Love Letter to Stephen Sondheim features Collins' collaboration by the Greeley Philharmonic Orchestra (conducted by Glen Cortese).
A Love Letter to Stephen Sondheim was filmed in May 2016 at The Boettcher Concert Hall in Denver, CO. Judy Collins takes the audience through Sondheim's remarkable treasure-trove of music, interweaving stories of Broadway with her personal anecdotes.
All orchestrations are by Jonathan Tunick, who has been orchestrating Stephen Sondheim's musicals for decades. Tunicks's orchestration was used by Collins for "Send in the Clowns, " bring Sondheim his only chart topping song in his esteemed history. Collins is joined on the program by the Greeley Philharmonic Orchestra, conducted by Glen Cortese.
As the years go by, things obviously change, but it's great to know Judy Collins' clear as crystal voice still shines through. Check out her rendition of Sondheim's "No One Is Alone" (from Into The Woods) below:
To order Judy Collins: A Love Letter To Stephen Sondheim, please go to MVD Shop or Amazon.


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Freedom 251, the smartphone which was the center of attraction of many people from around the world. It gained many headlines, few said it is impossible to build a phone at just at 4$, few said it is a well-planned scam.
The official shipment date of the phone has been changed many times before. First, the shipping date was declared for April then changed to June 28, And Now 30 June.
Leaving all that behind the company Ringing Bells announced that the shipping of the Freedom 251 will be starting from 30th June. The company received near around 7 crore registrations. In the first phase around 2 lakh units will be shipped by 4-5 July.
Still, there is no official announcement regarding the next shipments.
Talking about the specs the phone comes with a 4-inches WVGA IPS display. The phone runs on a 1.3 GHz Quad Core processor with 1GB RAM. At the storage side, the phone comes with an 8GB internal memory.
The phone sports a 3.2MP camera at the back and a 0.3MP VGA front camera. The phone is powered by a 1450 mAh battery capacity. The phone is available only in White color.


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Global Electric vehicle (EV) charging infrastructure Market Analysis & Trends - Industry Forecast to 2027
The Global Electric Vehicle Charging Infrastructure Market is poised to grow strong during the forecast period 2017 to 2027. Some of the prominent trends that the market is witnessing include Increasing Investments by Large Fleet Operators and Huge capital Investments in R&D to boost existing EV models.
Based on Product Type, the market is categorized into Direct Current (DC) Charger and Alternating Current (AC) Charger.
Depending on Connector the market is segregated into Combined Charging System (CCS) and CHAdeMO. On the basis of Charger Type the market is segmented into Fast Chargers and Slow Chargers.
By Application the market is segmented into Residential and Commercial.
This industry report analyzes the market estimates and forecasts of all the given segments on global as well as regional levels presented in the research scope. The study provides historical market data for 2015, 2016 revenue estimations are presented for 2017 and forecasts from 2018 till 2027. The study focuses on market trends, leading players, supply chain trends, technological innovations, key developments, and future strategies. With comprehensive market assessment across the major geographies such as North America, Europe, Asia Pacific, Middle East, Latin America and Rest of the world the report is a valuable asset for the existing players, new entrants and the future investors.
The study presents detailed market analysis with inputs derived from industry professionals across the value chain. A special focus has been made on 23 countries such as U.S., Canada, Mexico, U.K., Germany, Spain, France, Italy, China, Brazil, Saudi Arabia, South Africa, etc. The market data is gathered from extensive primary interviews and secondary research. The market size is calculated based on the revenue generated through sales from all the given segments and sub segments in the research scope. The market sizing analysis includes both top-down and bottom-up approaches for data validation and accuracy measures.
This report provides data tables, includes charts and graphs for visual analysis.
Regional Analysis:
North America
- Canada
- Mexico
- France
- Germany
- Italy
- Spain
- Rest of Europe
Asia Pacific
- China
- Japan
- India
- Australia
- New Zealand
- Rest of Asia Pacific
Middle East
- Saudi Arabia
- Rest of Middle East
Latin America
- Argentina
- Brazil
- Rest of Latin America
Rest of the World
- South Africa
- Others
Report Highlights:
- The report provides a detailed analysis on current and future market trends to identify the investment opportunities
- Market forecasts till 2027, using estimated market values as the base numbers
- Key market trends across the business segments, Regions and Countries
- Key developments and strategies observed in the market
- Market Dynamics such as Drivers, Restraints, Opportunities and other trends
- In-depth company profiles of key players and upcoming prominent players
- Growth prospects among the emerging nations through 2027
- Market opportunities and recommendations for new investments
Learn how to effectively navigate the market research process to help guide your organization on the journey to success.Download eBook


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Recent Blog Posts
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Rosa Parks Learning Center has a new Instagram page. Follow us at @rosaparkslc
Latest News on COVID-19
Find out the latest news on LAUSD's response to COVID-19.
Amplify Reading
Students in grades Kindergarten, First and Second are now using an exciting online program to enhance their reading skills. The games in Amplify Reading allows students to practice and build proficiency in early literacy skills. We are very excited to have Amplify Reading at Rosa Parks Learning Center!
Learning with iPads
At Rosa Parks Learning Center we are dedicated to supporting student learning through technology. Every week, classes are assigned time with I-pads. These devices are pre-loaded with a variety of learning apps to enrich learning along with security software to protect students from inappropriate content online. Teachers guide students through various learning activities with… Read More »
Age Requirements for Kindergarten, TK, and State Pre-School
Now enrolling for all grade levels TK through fifth grade for the 2019-2020 school year. Please visit the main office for an enrollment packet. Kinder Kindergarten students must be 5 years old on or before September 1, 2019 for the 2019-2020 school year. Transitional Kinder (TK) TK is designed for (but not restricted to)… Read More »
Beautiful Trees!
Thank you LA Beautification Team for helping us plant 25 trees in our new playground space. We will soon have a beautiful outdoor education space for the students at Rosa Parks!
Mobile Food Bank – Fourth Grade
Wednesday, January 24th
Student Attendance is Critical
Please read the letter below from our Superintendent about how important regular school attendance is for our students. Attendance Spanish Attendance English
Attendance Matters!
Monthly Perfect Attendance Certificates We are motivating our students to come school everyday and to be on time! Perfect attendance means that a student is here everyday and in the classroom by 8:00 a.m. sharp! Every month students are recognized with a beautiful Rosa Parks Learning Center certificate for the month. Please help us… Read More »
Parent Involvement Policy
Check your mail soon!! Our Parent Involvement Policy will soon be mailed to you. Please take a moment to read the policy. Come by the main office if you have any questions regarding Rosa Parks Parent Involvement Policy.


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Book Expo America is introducing new programming to assist self-published authors. The new Author Hub project will run in parallel with a conference introduced in 2012 called uPublishU.
The Goal of Authors Hub is to "to further integrate the self-publishing community into the publishing mainstream by providing platforms where entrepreneurial authors may interact and share the spotlight at North America's leading book industry event." This year's uPublishU day-long conference is set for Saturday, May 31.
The event will focus on two different types of authors and will provide guidance and assistance. The first will focus on an author's first book and exactly how they bring it to the market. The second will give more specialized knowledge to indie authors who have been in the game for a few titles.
Michael Kozlowski is the Editor in Chief of Good e-Reader. He has been writing about audiobooks and e-readers for the past ten years. His articles have been picked up by major and local news sources and websites such as the CBC, CNET, Engadget, Huffington Post and the New York Times.


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KEMAR ROOFE has told of his delight after sealing a switch to Rangers from Anderlecht – despite the move coming more or less out of the blue.
The English-born striker put pen to paper on a four-year deal at Ibrox and will link-up with Steven Gerrard and his teammates once they return from Leverkusen on Thursday.
It remains to be seen whether Roofe will become a direct replacement for Rangers' star man Alfredo Morelos, but the 27-year-old insists he is ready to prove his worth at the Glasgow giants.
Speaking at the Auchinhowie to Rangers TV, he said: "It is amazing. Things happen so quickly, so it is difficult to get a perspective of what is really going on.
"Obviously coming here to the training ground to see the environment, see all the staff, you realise this is serious, this is a big place. Their main goal is obviously to win and get success again.
"I have asked some top players from the past about their experiences in Scotland and they always say that playing against Rangers is probably one of the best games they have ever played in and they have played in many different games around the world.
"As a footballer you want to test yourself and you also want to be playing at the biggest clubs possible.
"Unfortunately with the times now with Covid the fans won't be there but when it all gets resolved the atmosphere will be incredible.
"In my past I have been blessed to be able to play in front of the Leeds fans and the Anderlecht fans and now this is another step and it is going to be incredible."
One man who won't be leaving Ibrox this summer is England stalwart Jermain Defoe.
Roofe grew up idolising the former Sunderland and Bournemouth striker and he admits he can't wait to be training alongside him every day.
Asked if he was eager to meet his hero, he continued: "Yeah of course it is going to excite anybody to work with someone like him, his experience, his qualities.
"I have grown up watching him at Tottenham and in England, so yeah hopefully I am going to learn so much from him. I am excited."
Roofe knows all about the pressures of what he is coming into after making the switch to Glasgow.
The former Leeds United man used to play in front of a packed out Elland Road every week with desperate supporters who were craving promotion back to England's top flight.
He ultimately missed out on the Yorkshire club's successes this year after moving to Belgium, but that disappointment has made him even more driven to topple Celtic next term.
On how he has handled pressure in the past, he added: "You just get on with it, you prepare every day at the training ground and you just play your own game.
"For me, I just play football and live life as I can only control what I can control. If I can't control it then I don't need to worry about it. Sometimes the pressure will bring the best out of people.
"I'm an attacking player, I will give 100 per cent. I will work for the team, hopefully I will create chances and score chances to win games.
"For me, I play football and it is already in me to win games.
"I want to be a winner regardless of missing out on success at Leeds or not. I still have that drive in me."
Roofe is the fifth new player at Ibrox this summer after Ianis Hagi, Calvin Bassey, Jon McLaughlin and Leon Balogun all arrived at the club.
Meanwhile, Rangers are also edging closer to a deal for St Gallen's frontman Cedric Itten.
The Swiss international bagged 20 goals in 36 games in the Super League last season and it is understood that Gers are keen to add him to their list of attacking options.
If a move was completed, the deal would raise further questions about the future of Lille linked Alfredo Morelos.
The Ligue 1 outfit have had two bids for Gent striker Jonathan David rejected and it has been reported that the Belgian side are looking for a fee of £27million for the Canadian international.
Leeds and Borussia Moenchengladbach are also weighing-up bids for David and if he was to opt for a move to England or Germany then Lille would ramp up their interest in Morelos.
The Colombian fuelled transfer speculation regarding his future by sharing a report from his homeland linking him with a move to France.
The 23-year-old has been named in Rangers' squad for their trip to Germany on Thursday where they are set to take on Bayer Leverkusen in the last 16 of the Europa League.
Gerrard's side currently trail 3-1 on aggregate ahead of the second leg clash.


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Our weekly digest of client news and events.
Client News
Ana Oliveira and Ruby Bright, leaders of women's foundations in New York and Memphis and members of the Partnership for Women's Prosperity, penned this important piece on how philanthropy must invest in local solutions if they truly want to improve women's economic security across the United States. Chronicle of Philanthropy.
Nonprofits are remarkably resourceful, but often lack sufficient funding to cover all the costs of their work. Ellen LaPointe of Northern California Grantmakers, Sandi Clement McKinley of Nonprofit Finance Fund, and Sara Davis of the William and Flora Hewlett Foundation recently outlined how philanthropy can change their grant-making approaches to sufficiently fund the true cost of nonprofits' projects and what they need to thrive. Chronicle of Philanthropy.
Coming up:
Change Consulting is excited to attend an important event next week. Borealis Philanthropy, the Haas Institute for a Fair and Inclusive Society and Northern California Grantmakers will host Belonging in Practice: How to Be Antiracist next week at Zellerbach Hall on the UC Berkeley Campus. Ibram X. Kendi, one of America's foremost historians and leading antiracist voices, will discuss his book of the same name before john a. powell of the Haas Institute for a Fair and Inclusive Society and Lateefah Simon of the Akonadi Foundation join him for a timely discussion on how uproot racism from society, starting with ourselves.
In honor of the East Bay Asian Local Development Corporation's 44th annual gala next week, we remember this East Bay Times feature on their work in Havenscourt and Dallaq Market, an honoree for the organizations' 42nd Annual Gala.


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Wednesday, 30 January 2008
Simple things
The sine qua non is that the patient should be amenable to friendly logical argument. This week I have had two prolonged and difficult consultations with patients who would not accept my explanations and view of their problems. Both came accompanied by a close family member, one a wife and the other a son. Both had multiple physical symptoms of long duration but worse recently. One wanted referral and investigation for symptoms attributable to three different systems of the body. Straight away. The other was less specific but just wanted all his symptoms cured. One has had numerous symptoms which he attributes to side effects of his medication. (He was recently admitted with a collapse diagnosed as an anxiety attack, but unfortunately the CT scan showed evidence of an old stroke. Now he wanted me to stop all the medication that I thought was essential to protect his brain.) To both I explained about how doctors make diagnoses and said that anxiety was the only cause that explained all their symptoms. To both I explained how repeated investigation actually makes anxiety worse. And in both cases the family member was extremely unhelpful and showed no more insight than the patient. These are the complex things, and I don't do them so well.
I find that writing this blog makes me think more about what is going on below the surface, because I am constantly looking for appropriate material. I did an enjoyable home visit to an elderly lady with sciatica a few days ago. The physical aspect was easy - she had no symptoms or signs suggesting cord compression so it was just a case of waiting a few weeks for the pain to settle. But she was tearful at times as she spoke, and her daughter who looks after her mentioned that her nerves were bad. So we discussed this a little, and I was at particular pains to reassure her that all would be well. Another of those simple things that no doubt anyone could do, but seem to be especially well done by GPs.
10 comments:
You know what they say - it's the simple things in life that often give the most pleasure.
I must say, I like the concept of "do the simple things well" :-)
Delighted to hear you so upbeat again. Oh, happy days!
- 30 January 2008 at 23:31
For some odd reason, reading your blog makes me far less afraid of going to the doctor. You just really seem to care. Thanks.
(P.S. Really really pleased to hear that you're feeling more cheerful.)
- 31 January 2008 at 01:00
- jason said...
This is a very interesting post on Anxiety attack! This website has helped me a lot on axiety attacks and it's very useful. They have many great tips to guide to. Do check it out at http://www.attackanxiety.org
- 31 January 2008 at 06:11
"do the simple things well"
Yesterday I attended a high powered grand round in a London Teaching Hospital. A patient with renal failure and diabetes was presented whose feet were in bad trouble as a result. All sorts of high powered interventions were carried out but was there anybody available to just look after the patient's feet and cut his toe nails? No. You can't get that service in our hospital and the nurses don't cut toe nails because 'they haven't been trained'. Doing the simple things well is often the key to good patient care. And the cost of not having decent podiatry services is probably enormous. But nobody listens to doctors anymore.
- 31 January 2008 at 08:27
Aagh- I'm sorry but 'anxiety' is not the logical explanation for symptoms. Neither is the idea that 'over-investigating' causes more anxiety. Has it never occurred to you that 'anxiety' might be caused by symptoms which might be impacting seriously on people's lives, being trivialised by a doctor fixated on the logical fallacy of 'it's psychological' as a default explanation?
You cannot claim 'logical thinking' for a nebulous term such as 'anxiety' being applied to all sorts of presentations of illness without thorough investigation. Doctors really need to critically reflect on their over-willingness to pass off people's illness and concern over this as 'psychosomatic', which is itself highly illogical.
I'm not surprised the patients were not buying it.
Spoken as the mother of a child whose illness was inappropriately psychologised while serious and all too obvious physical signs were ignored and trivialised - now very disabled by her illness.
- 31 January 2008 at 11:09
- The Shrink said...
Great when you're at the top of your game!
This week I have had two prolonged and difficult consultations with patients who would not accept my explanations and view of their problems.
- welcome to my world!
And yes, I'm in agreement that getting both the simple things right and attending to detail is what can really, really make a difference to the quality of consultations. It's something that you rightly say, GPs tend to excel at far better than Consultants.
- 31 January 2008 at 11:29
Like you had commented,It's very frustrating when a patient doesn't or wouldn't understand your explanation.I had a 60 year old lady who came in wanting a referral to opthalmology,for a condition which can be easily treated.I felt so guilty & frustrated about doing the referral.
May be I have to polish my consultation skills.
- 31 January 2008 at 14:25
- Dr Andrew Brown said...
Steph: happy days indeed! For as Larkin said:
What are days for?
Days are where we live.
They come, they wake us
Time and time over.
They are to be happy in:
Where can we live but days?
Prefer to remain anonymous: thank you for your kind comment. I do care - within the limits of my frailty. So do most doctors, I think.
Attack anxiety: Thanks for the URL.
CX Doc: my mentor also used to complain that the most difficult investigation to arrange in out-patients was the patient's weight. :-)
Anonymous 1: I'm really sorry to hear about your daughter's illness. It's true that "anxiety" is a very broad term, but I didn't want to give more details in order to preserve patient confidentiality. I think you fear that these patients have one (or more) physical illnesses that I have overlooked. You may be right, and that is one of the stresses that I have to live with. But maybe you are wrong. It is not possible or desirable to fully investigate every single symptom and GPs have to make many such judgments every day. We do our best but sometimes we get it wrong, with disastrous consequences for both patient and doctor. I think it is important for doctors to be honest with their patients about the reasons behind their decisions. In the consultations I was describing I tried to explain this but made no progress.
The Shrink: you are too modest, I don't think that GPs do this better than consultants.
Anonymous 2: patients who want referral for conditions that GPs can treat certainly need careful handling. I would (almost) never actually refuse a referral, but often you can negotiate by saying something like "I can see that you are concerned and of course I will refer you if necessary, but I'm confident that you have X and it should clear up with Z. Why don't we try Z, and if it doesn't work I'll refer you straight away".
- 31 January 2008 at 17:46
- cogidubnus said...
One of the downsides of the Internet...suddenly everyone's an expert at everything...
Whilst I agree it's only right and meet that the doctor's utterings are no longer deferentially treated as if they're descended on stone from the mount, it must be incredibly frustrating when a patient refuses to believe even the simplest explanation...
In a previous entry you were discussing the pros and cons of charging...how about a scenario where any patient was entitled to request a second opinion, but if the second opinion agreed with the initial diagnosis, a charge were made?
- 31 January 2008 at 22:59
- Dr Andrew Brown said...
Thanks for the support, Cogidubnus. I'm not in favour of punitive charges though, and such systems are unlikely to work effectively.
- 12 February 2008 at 21:37