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Watch Tony Bennett: Duets II [1] on PBS [2]. See more from Great Performances. [3]
Carrie Underwood [4] sings "It Had to Be You" with Tony Bennett [5]. Faith Hill [6] sings "The Way You Look Tonight" with Tony Bennett [7]. Natalie Cole [8] sings "Watch What Happens" with Tony Bennett. And on and on, through the American songbook.
"Tony Bennett: Duets II [9]" is a revelation, a cross-generational celebration of standards and pop favorites, premiering on PBS Friday night.
The first Bennett "Duets [10]" CD was released in honor of his 80th birthday. The followup CD, "Duets [10] II," debuted at the top of the Billboard album charts when he was 85, making Bennett the oldest vocal artist ever to land in that spot. Now comes the film version of the sessions, airing Friday at 9 p.m. on PBS.
A presentation of Great Performances [3], the special features Bennett in duets with Lady Gaga, John Mayer, Michael Buble, k.d. lang, Aretha Franklin, Sheryl Crow, Willie Nelson, Queen Latifah, Norah Jones, Josh Groban, Amy Winehouse and others.


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The CW Premieres THE BATMOBILE Documentary Special Tonight, 7/16
The broadcast network premiere of the new half-hour special on the history and evolution of the Batmobile - THE BATMOBILE - will air tonight, July 16, 8:00-8:30pm ET on The CW. An encore of the special will air from 8:30-9:00pm ET.
The special had its world premiere screening at Comic Con in San Diego on July 12, where all six of the Batmobiles from film and television appeared for the first time together.
From its inception in the late 1930s, the Batmobile has been a symbol of power, hope and justice, as well as the pinnacle of technology as the most awe-inspiring weapon in Batman's arsenal. In its contemporary and most robust form as the Tumbler, the Batmobile is a combination of unbridled creativity, advanced technology and the pursuit of "justice on wheels."
The special uses archival footage, images and illustrations of the Batmobile to document its birth and evolution to the present day. Interviews with filmmakers, key designers, builders, stunt drivers, actors and fans of the Batmobile lead the viewer on an exploration of the true impact of this cultural icon. Personal stories will interweave with historical context to tell the definitive story of the world's most recognized automobile. Interviews include actors Christian Bale and Adam West, and directors Christopher Nolan, Joel Schumacher and Tim Burton.
THE BATMOBILE is from New Wave Entertainment and Warner Bros. The special was directed by Roko Belic, produced by Tara Tremaine and edited by Michael Fallavollita.
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Miniature Therapy Horses Are Even Cuter Than You Think
You may not be an animal lover, but you will be after watching this.
You may not be an animal lover, but you will be after watching this.
What a view. "Challenger" the Bald Eagle made it's way into an NFL Stadium during the National Anthem and the view is AMAZING!!
Watch as a small, and we mean small, guard dog in someone's backyard chases off a would-be robber.
A curious squirrel has become an overnight internet celebrity after stealing a GoPro camera and capturing some very interesting footage.
David Freiheit was in Montreal enjoying the outdoors when he decided to attach a piece of bread to his GoPro camera and leave it out to attract a squirrel nearby
This is a pooch on a mission. Watch as this dog gives its all when it comes to grabbing a tater tot just out of paw's reach on the kitchen counter.
There's nothing like being reunited with an old friend.
With Thanksgiving just days away, even some of the turkeys out there are having some fun. A couple of turkeys thought it would be fun to chase each other around in circles, but one of the turkeys fell victim to going around and around.
What's that they say about survival of the fittest?
Anytime I hear a parrot talk it still amazes me. This parrot, Einstein, mocks actor Matthew McConaughey's famous line, "Alright, Alright, Alright," and does so really well.
This dog seems to own the internet today. Watch as it moves its ear to the beat of "Low" by Florida.


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Capstory helps clients collect their photos from guests. Our Editing Team then retouches the photos and creates a photo album full of high-quality shots. Our Customer Service Team then prints all your photos and sends you every single one, in 4x4 prints and on a USB of the originals.
Capstory provides an easy manner of collecting your guests' images so that you receive as many different perspectives as possible.
This is your story. We will help you preserve the journey forever.
Every client receives their very own webpage to host and share photos. This is where all of the guest photos and your own are organized.
You can easily download all the photos.
We offer an unrivaled level of customer service.
Capstory is for brides who want to preserve their wedding memories but don't have endless hours with which to gather photos.
The photos in your webpage can be streamed live at your reception. As guests submit photos, they appear instantly in the live slideshow.
It's like magic!
We take all of the photos that have been submitted to your webpage, edit them with a little touch of creativity and make prints for you. Every single photo on the webpage belongs to you.
We believe that you should get everything. So, we also send you a USB key with all of the originals.
Once your guests have had time to upload photos from their digital cameras and any remaining photos on their phones, the Capstory professionals start putting together your photo book. We make sure to retouch these photos so every picture shines as bright as the memory it captured!
We were very fortunate to receive Capstory as a wedding gift from our dear friend and wedding planner. It has been absolutely wonderful to have a central location to look at the memories of our special weekend! The feedback has all been positive from our family and friends as well! We will gladly recommend Capstory to our loved ones who are planning a wedding!
Our guests couldn't get enough of Capstory at our wedding. The live photo stream really helped pull the whole event together, and the photobook is full of great memories that we wouldn't have captured otherwise!
It came, the flash drive came! I am sitting here, crying tears of JOY.
The video was awesome, pictures, music, packaging and the look and feel of the flash drive...Beautiful just like our wedding. I feel so Blessed and Thankful! Your team of photo editors did an outstanding job.
What do I, we need to do to continue to promote CapStory…it's the best! So are you, patient and supportive.
Once at the reception venue on our wedding night our families REALLY got into the Cap Story process and loved seeing their posted pictures scrolling on the all the TV screens. Our friends brought a Selfie Stick and the photos from that are hilarious! Sadly, one of my Aunts who lives in Alabama was not able to come in for the wedding. Her and her husband took a selfie holding a note reading "Congrats!" and sent it in to the CapStory link. Moments later Aunt Janet's face was up on the screens … Such a special moment!
I can't say enough great things about our CapStory experience. If you are looking for a fun, interactive and memorable deviation away from the Photo Booth route, look no further!
Every package includes the following:
Desiree Hartsock, ABC's The Bachelorette
The Capstory uploading tools make it simple for the couple to get access to all of the photos and videos captured throughout their wedding journey.
The easiest way to add content is by text-messaging. Every personal webpage is assigned a unique address. The bride, groom, friends and family can instantly share the memories from their mobile devices by sending them in via text-message.
Capstory technology works instantly, allowing the photos to be live streamed from the capsule at the reception (don't worry, our professionals keep a close-eye on the photos to make sure nothing inappropriate shows up).
The live stream is normally quite a hit at events. A projector connected to a computer with an internet connection, via WiFi, 4G Hotspot or LAN, allows venues to show photos appearing in the capsule as soon as they are submitted. Hence, guests get the gratification of instant feedback.
We offer a truly unique array of options for submitting photos without the need to download an app.
One less thing for people to worry about.
Everyone's photos, videos, and stories, in one shared location online. The webpage is your 'photo booth in the cloud'. It is the storage capsule for every memory collected, from every candid perspective. In these moments, one lens is not enough. Capture the entire crowd's authentic experience, in one shared location.
The capsule can be accessed anywhere, on any device with an internet connection. With mobile and tablet friendly sites, view the capsule from phone, tablet, and computer all at the same time. The capsule is constantly being updated live as new media is submitted, so even guests that weren't able to make it to the wedding can follow along in the special moment!
Capstory's team of professionals handles the (oftentimes) cumbersome process of reaching out to guests after an event, prompting them to share photos and videos they collected. With automated emails to the guest list and reminder text-messages, we ensure no moment is lost.
During the reception, our professionals moderate the photo stream, based on client discretion, to ensure nothing inappropriate shows up on the big screen! No need to worry when the groomsmen have too much fun with the open bar... Our team handles this process remotely as to not introduce any additional strangers or clutter to the reception environment.
If a client or guests decide to use a Twitter or Instagram hashtag for any part of the event, let us know and we'll be sure to automatically integrate these memories into the website too.


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Okay, so here's a question I am throwing open for discussion. With the acquisition of Pixar and all the related changes that are coming with that, can one argue that "Save Disney" as articulated by Roy Disney and Stanley Gold is now accomplished? Some points:
1) "Save Disney" said that the WDC needed new leadership. Eisner is gone, and Iger has clearly demonstrated that he is willing to make different decisions than Eisner and chart new paths. In addition, Steve Jobs has now been added to the Board of Directors and while he has his own controversies, he is certainly known to value creativity and innovation.
2) "Save Disney" said that Feature Animation had been abandoned by WDC. The acquisition of Pixar was done because, Iger's words, they needed to revitalize animation, which he called the "heart and soul" of the company. The change is so radical that Ed Catmull and John Lasseter will now oversee all of WDFA, and report directly to Iger and Dick Cook.
3) "Save Disney" said that new theme parks were built on the cheap and new attractions lacked imagination or innovation. Pre-Pixar buyout, WDC was already saying that their new focus was to enhance the existing parks, not open new gates at DLR or WDW. Matt Ouimet rec'd very high marks from fans for "rehabbing" DL for the 50th anniversary. Now, they have given Lasseter an oversight role over WDI, again reporting directly to Iger.
Now, we do not know how these changes will play out over the next year, five years, ten years or beyond. We do not know if they will be successful, etc. Obviously, not every single change that every fan would want will be made. But, it seems that the core concerns of the Save Disney campaign have been addressed, and Iger deserves a huge amount of credit for very quickly putting a new vision in place for the future of WDC.
I'd love to read other people's response to this.


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Home | About Us | Directions | Bulletins | Sermons & Audio | Cross Of Christ Studies | Classes | Student and Parent Resource Page | Dangers Facing the "Non-Traditional"
Two Unscriptural Concepts
by Frank Jamerson
Problems Surrounding Material Prosperity
by Edward O. Bragwell, Sr.
by Dee Bowman
Fathers: Principle Trainers of Children
by Hiram Hutto
Reason and Revelation
by Jerry C. Ray
The Remission of Sins
by James W. Adams
Pearls in Proverbs: Glorying in Glory
by Irvin Himmel
Are They Spiritually Minded?
by Irven Lee
New Controversies Being Raised
by James P. Needham
Jesus and Pilate's Wife
by Fanning Yater Tant
Four Problems With Worry
by Warren E. Berkley
I Saw a Friend Die
by Dee Bowman
Goats Among Sheep
by Al Diestelkamp
Brotherly Love
by Doy Moyer
Simple Honesty
by Dee Bowman
Problems Concerning Material Prosperity
by Edward O. Bragwell, Sr.
The Convertibles - The Nonconvertibles
by Bill Hall
Have You Ever Been a Seeker?
by J. R. Bronger
The Awesome Power of God
by Jon W. Quinn
The Power of a Relationship
by Larry Rouse
Five Smooth Stones of Parenting
by Sewell Hall
What is the Difference?
by Irven Lee
Tolerance in Religion
by Barney Keith
|© 2012 - University church of Christ - All rights reserved!


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Stadium Nightclub to be Reopened Soon?
By Thibaud (Jakarta100bars) →
According to several sources, Stadium will reopen after Ramadan in the same location but with a different name.
A reader of Jakarta100bars told me about the rumor of a reopening so I went to Jalan Hayam Wuruk to check. I could only talk to some of the security officers who confirmed that the information was correct.
They said that the management had made some minor renovations and that the owner, Pak Rudi, had visited the place several times lately. If there are no last minutes surprises, the new nightclub would open in August, more than a year after it was closed down by Ahok. Unfortunately they did not know the new name and they could not let me in.
When Stadium closed in May 2014, Ahok declared that it would be forever and that he would not allow for it to operate under a different name. He also admitted that in order to shut it down, he was dependent on the goodwill of the Police. He may have lost it since new appointments have been made (both a new Chief and Deputy Chief).
The reopening would send a mixed message about the government's war on drugs. Stadium was the most easy place in Jakarta to buy and consume drugs.
Anyway, let's see what happens in August and if you have more information about it, don't hesitate to share by leaving a comment!


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Press release from CNW Group
Connacher Oil and Gas Limited Launches Second Lien Secured Note Offering
Tuesday, May 17, 2011
Connacher Oil and Gas Limited Launches Second Lien Secured Note Offering13:12 EDT Tuesday, May 17, 2011/NOT FOR DISTRIBUTION TO UNITED STATES NEWSWIRE SERVICES OR FOR DISSEMINATION IN THE UNITED STATES/CALGARY, May 17 /CNW/ - Connacher Oil and Gas Limited (CLL - TSX ("Connacher")) announced today an offering (the "Offering"), by way of private placement, of approximately US$900 million principal amount of Second Lien Senior Secured Notes ("New Notes"). It is anticipated that the New Notes will be issued in a combination of Canadian dollar notes due in 2018 and US dollar notes due in 2019. Completion of the Offering remains subject to market and other conditions and will follow a limited marketing process and a determination of the pricing of the New Notes.The net proceeds of the Offering, after deduction of the expenses related thereto, are expected to be used to purchase the company's presently outstanding First Lien and Second Lien Senior Secured Notes ("Old Notes") tendered pursuant to cash tender offers ("Tenders") initiated on May 10, 2011. It is currently anticipated that completion of the initial settlement of the Tenders would take place concurrently with the proposed settlement date of the Offering which is May 31, 2011.In conjunction with these transactions, Connacher also announced that it intends to amend its existing revolving credit facility, increasing its size to $100 million and extending its maturity to three years. The amended facility is anticipated to be syndicated to a number of financial institutions and completed concurrently with the closing of the Offering.These transactions are intended to strengthen Connacher's balance sheet, improve its overall financial strength and further enhance the company's liquidity.Connacher Oil and Gas Limited is a Calgary-based company whose primary assets are two steam assisted gravity drainage ("SAGD") bitumen production projects, Pod One and Algar, which are part of the company's Great Divide project in Alberta's oil sands area. Recent bitumen production has been approximately 14,000 bbl/d from these projects. Further expansion of Connacher's bitumen production is contemplated from continued ramp up at Algar, as well as optimization programs and innovative recovery methods at both projects. Connacher also holds extensive undeveloped bitumen reserves and resources and owns conventional crude oil and natural gas production, reserves and undeveloped acreage in Alberta. A wholly-owned subsidiary operates a 9,500 bbl/d heavy crude oil refinery in Great Falls, Montana, U. S. A.This press release is not an offer of the New Notes in the United States. The New Notes have not and will not be registered under the U. S. Securities Act of 1933, as amended (the "US Securities Act"). The New Notes may not be offered or sold, except to qualified institutional buyers in reliance on the exemption from registration provided by Rule 144A under the US Securities Act, or to persons outside the United States in compliance with Regulation S and applicable Canadian exemptions. Any public offering of securities made in the United States would be made by means of a prospectus that would be obtainable from Connacher and that would contain detailed information about Connacher, its management and financial statements.This press release contains certain "forward-looking information" within the meaning of applicable securities law including statements regarding the proposed terms of the Offering and the amendment of Connacher's revolving credit facility (the "Amendment"), the use of proceeds of the Offering, the proposed closing date of the Offering and the Amendment, the proposed initial settlement date of Connacher's tender offers and the anticipated impact of Connacher's refinancing activities on its financial position and liquidity. Forward-looking information is frequently characterized by words such as "plan", "expect", "project", "intend", "believe", "anticipate", "estimate", "may", "will", "would", "potential", "proposed" and other similar words, or statements that certain events or conditions "may" or "will" occur. These statements are only predictions. Forward-looking information is based on the opinions and estimates of management at the date the information is provided, and is subject to a variety of risks and uncertainties and other factors that could cause actual events or results to differ materially from those projected in the forward-looking information. These factors include the inherent risks involved in the exploration and development of oil sands properties, the possibility that Connacher may not be able to obtain the necessary approvals to proceed with the Offering, the Amendment or the tender offers for the Old Notes, difficulties or delays in start-up operations, the uncertainties involved in interpreting drilling results and other geological data, fluctuating oil prices, the possibility of unanticipated costs and expenses, uncertainties relating to the availability and costs of financing needed in the future and other factors including unforeseen delays. For a description of the risks and uncertainties facing Connacher and its business and affairs, readers should refer to Connacher's Annual Information Form for the year ended December 31, 2010. Connacher undertakes no obligation to update forward-looking statements if circumstances or management's estimates or opinions should change, unless required by law. The reader is cautioned not to place undue reliance on forward looking statements.For further information: Richard A. Gusella Chairman and Chief Executive Officer OR Peter D. Sametz President and Chief Operating Officer OR Grant D. Ukrainetz Vice President, Corporate Development Phone: (403) 538-6201 Fax: (403) 538-6225 firstname.lastname@example.com Website: connacheroil.com


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Waratah on York
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Tasmania- Bottom of the World
... that was the most interesting was the wombat. At the start of our visit we bumped into one of the keepers of that place who gave us an idea of what wombats are (before we went we didn't really know they even existed). We got to see her feeding the wombats and we got to learn so much about wombats. They are really intelligent. They can even use sticks as tools to get their food. Who knew that wombats have a ************* their lower back and butt that they use ...
From Artists to Art and Artifacts
... who lives under one of the permanent caravans. We were sitting having a cuppa and he walked straight through our feet and out the other side. I think we must have set up camp in the middle of his route. Only five minutes after him a rather large possum walks in. Looks like we better put away all our gear tonight.
After what felt like a quick flight we are home!!! It was great to walk up the steps and see a beautiful little girl waiting for her mummy. Lots of cuddles, kisses and I love you made for a wonderful welcome home.
We spent sometime in Launceston seeing Santa and doing some jobs before coming home to get the ...
Day 11 Hue
... we were in heaven. We headed back down the street to our hotel in search of Penny and Jenny to determine what everyone wanted to do for dinner. With no one particularly hungry we decided ask for a snack around the pool much to the horror of the staff as 4 of us turned up in the outside restaurant donned with bathers and bathrobe. Once the shock was over they all quickly set up some tables with napkins etc. We think we were ...
A very cold morning by the river, so beautifiul to look at but not so nice first thing in the morning. Oh well we live and learn. We went to visit Pyrotek as it was just around the corner and we met Todd and had a quick chat with him before going back into Launceston to visit the Cataract Gorge. We went on the chair lift so it was a great view from so high up this one ...


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Re: Denied on FHA today...wh
en to re-apply again?
westo12 wrote:
So you got approved for an FHA loan with a recent 30 day late, and a 60 day late within the last 2 years?
I thought it wan't possisble, but I sent my lender a copy of my credit report that I had pulled to do a pre-preapproval so to speak. Once she checked that over, she told me that she saw no issue with getting financed for a new home. I don't know if it is because we have a very good debt to income ratio right now, or our income is good, or what, but i'm not going to fight it! Another thing too is, we plan on doing a new build which is an 8 month process. By the time the house is complete, all the time would pass that would age the lates.
Starting Score:5/22/10 590
Current Score: 6/11/13 670
Lender Mid Score: 6/11/13 670
Goal Score: 700
Take the FICO Fitness Challenge
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Order Now!!! Only $75 for this valuable publication on EPLAN Electric P8.
This reference book, now in its third edition, offers a comprehensive introduction to electrical engineering design with EPLAN Electric P8. Based on Version 2.2 of EPLAN Electric P8, this handbook gives you and introduction to the system basics before going into the range of functions offered by EPLAN Electric P8.
This book covers topics such as creating projects, the graphical editor (GED), using navigators, creating reports, parts management, message management, revision management, exporting, importing, printing, data backup, master data editors and importing old EPLAN data. It also covers add-ons such as EPLAN Pro Panel and EPLAN Data Portal.


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VIEWS: 2 PAGES: 19 POSTED ON: 6/14/2012 Public Domain
Product Catalogue 2005 ALLOW THE MAGIC OF COLOUR, THE POWER OF GEMSTONES, AND NATURE'S SYMBOLS TO BRING LIGHT & HEALING ENERGY INTO YOUR LIFE About the Company Soul*ar Energy Holistic Health Enterprises was established in 1995 as a company committed to supporting wellbeing and a holistic approach to living. In response to the hectic pace of today's lifestyle, Soul*ar Energy has developed a variety of personal and home decorative items aimed at bringing back the balance of harmony & peace. These unique gifts have been inspired by nature and reflect the ancient art of communicating through symbols. Soul*ar Energy embraces symbology as the 'language of the soul', rich in multi-layered meaning. The deep resonance of these About the Polar Bear symbols combine powerfully to create a synergy of positive energy through the use of colour, light and numerology blended with gifts from mother nature including crystals, Soul*ar Energy's logo of a Polar Bear was chosen for semi-precious gemstones, animals and rainbows. These rich symbols have been the symbolic meaning that it represents. According to merged with the principles of Feng Shui to create harmony through the correct Inuit tradition, Polar Bears are thought to be the placement of objects in your environment. "keeper's of ancient wisdom" and "liaisons with the spirit world". Ted Andrews' Animal-Wise describes the Inspired by Ray & Anderson's The Cultural Creatives, Soul*ar Energy has recog- appearance of Polar Bear as a time to begin a new nized the need for reclaiming the sacred in life including personal growth, spirituality, and powerful spiritual journey and a time to awaken helping others, being true to your inner self - 'your soul', and getting in touch with your hidden potential and abilities. Andrews further notes passion. These beautiful creations have been designed with love and passion to that two Polar Bears will often form friendships and enhance your connection to nature and the divine in your day to day life. feed and travel together, "It is not unusual as we start on a power journey that brief and even lasting friendships with those of a similar path arise". The deeper meaning of Polar Bear, as a symbol, has resonated with the artists as they began their shared journey of what was to become Soul*ar Energy. Laurie Johansen - BScN, Reiki Master, Designer, Colour & Gemstone Consultant In 1992 an MVA ended Laurie's 10-year career as a critical Laurie Ross - Reiki Level II, Designer, Feng care nurse. As a result of this life-altering event, and the Shui Consultant ensuing health challenges, Laurie found herself redirected into the growing field of alternative health. She has spent the A varied and "jack of all trades" career path has led Laurie to past 10 years studying numerous natural healing alternatives this point in her life. This path has included customer service, such as Reiki, Neurolinguistic Programming, Colour accounting, software support, special events, marketing, public Therapy, Animal Power Totems, Aromatherapy, Crystals, speaking, fundraising and design work. A childhood devoid of Gemstones and most recently Native Shamanism and the spirituality and work with little creativity left her searching for Medicine Wheel. With the traditional career in healthcare creative and meaningful expression as an adult. This search closed to her, she embraced her spiritual path and founded has included the study of Feng Shui, Buddhism, meditation, Soul*ar Energy in 1995 developing a new career in the etheric design, pottery, jewelry making, natural beauty products, holistic health arena. Her spiritually guided journey has led astrology, numerology and animal totems (to name a few). As a her to designing these 'nature inspired creations' to share her creative spirit she brings a love of nature, colour and design to passion for these gentle healing energies with others. her creations. Light Catchers Soul*ar Energy Light Catchers have been carefully designed using multiple symbols derived from nature to create a powerful synergistic vibration which can be used to support personal growth, harmonize personal space and generally emit positive and protective energies. The symbolic base of each of the light catchers includes colour, rainbows, crystals, gemstones and numerology. Gemstones and crystals, created by the magnetic forces of nature, contain Earth's energy and can be used to draw vitality from her healing and balancing forces. Their harmonic energy, combined with the symbols of colour and numerology contain a potent synergy to attract positive change into your life. Each Soul*ar Energy Light Catcher has been lovingly created in the Reiki energy to inspire balance, harmony, peace and gentle growth. All crystals and gemstones have been purified through smudging with sage and cleared through direct sunlight. Each crystal and gemstone has had its vibratory effect enhanced through the resonant toning of a Tibetan Singing Bowl. Finally, all completed Soul*ar Energy Light Catchers have received a dedication for the highest good through the focus of the Reiki symbols into each catcher. Animal Light Catchers Each animal light catcher has been specially selected for the specific characteristic of the animal. Inspired by nature and the works of David Carson and Jamie Sams (The Medicine Cards) and Ted Andrews (Animal Speak and Animal Wise), each animal catcher has been married with gemstones to reflect that animals' symbolic power. Colour and numerology has also been selected to enhance the vibratory rate and symbolic imagery. The Soul*ar Energy Animal Light Catchers represent a return to ancient wisdom by connecting with nature and honouring the lessons that each animal totem can teach. Bear - #1001 Butterfly - #1003 Butterfly Buffalo - #1002 "Transformation and "Awakening the Power "Manifesting Abundance" the Dance of Joy" of the Unconscious" Signifies opportunities to Butterfly stimulates Bear stirs imagination and manifest abundance through opportunities for growth potential. Signifies 'going synchronicities - follow the and change. Awakens a within' and creating your easiest path and things will sense of lightness and own 'bear's den'. happen when they are joy. meant to. Stay grounded and Amethyst be grateful for what you Malachite A "stone of change and receive. A "stone of transforma- enlightenment". Enhances tion." Assists in changing spiritual awareness, Peridot situations; stimulates meditation, visualization, A "stone of rebirth and intuitive reasoning thus serenity and composure. renewal". Promotes peace, allowing for change. happiness and protects Lapis Lazuli against negativity. Attracts Fluorite A "stone of protection and comfort, success and good Eases change, bringing enlightenment".Assists with luck. Builds vitality. strength and protection spiritual growth, intuitive during transition. perception and objectivity. White Jade (Jadeite) Stabilizes energy and Enhances serenity and Assists with actualization of helps to bring order to dreams. purpose. Helps to access the chaos. limitless resources of the universe. Deer - #1004 "The Power of Gentleness & Dolphin - #1005 Unconditional Love" "Manna - The Power of Breath" Deer asks that you find the spirit of gentleness that heals all wounds Dolphin releases tension and & accept others as they are. breathes new life into your being. Helps to realign your natural rhythms Carnelian through controlled breathing. Stimulates the energy of love & joy. Clears negative energy Moonstone allowing transformation to occur. Supports wellbeing and enhances awareness of body rhythms thus Cherry Quartz creating a better balance of the Amplifies & focuses energy. body's natural energy. Facilitates awareness, alleviates anger & opens the spirit. Turquoise Known as a "general healer", Rose Quartz Turquoise cleanses, purifies, Removes negativity & attracts the strengthens the body and stimulates energy of love bringing peaceful- regeneration and repair. ness & healing to relationships. ragonfly D ragonfly - #1006 Eagle - #1007 F rog - #1008 " Seeing Through "A Powerful New "Creating Harmony" Illusions" Dimension of Help in creating change and Spiritual Growth" Signifies a time for gaining new perspective serenity and replen- instead of seeing only what Eagle helps you to take ishment - to cleanse, you wish. Reminds you to "fill responsibility for your heal, grow and your life with light and spiritual growth, to change unwanted colour". become a creative force conditions in your life. in the world and touch Find peace, harmony Amethyst all life with healing and joy in taking time A "stone of change and energy. for yourself and enlightenment". Calms and replenish with positive transforms, enhances Blue Lace Agate energy. spiritual awareness, Awakens perceptive- meditation and serenity. ness, clears the mind Jade and enhances spiritual Facilitates harmony Fluorite inspiration. Calming, and peace, soothes Eases change bringing soothing and uplifting. energy. strength and protection Eliminates negativity. during transition. Stabilizes Lapis Nevada energy and helps to bring Blue Topaz Alleviates hostility, order to chaos. Helps to successfully irritability and communicate and melancholy. Balances Lepidiolite manifest desires. Lifts the energy of the A stone of "transition"; gently burdens and helps one mind, body and spirit. induces change and to see the great overall supports smooth passage. scheme of life. Attracts Rose Quartz Transforms stress, despond- love and abundance. Emits a calming, ency and old patterns into soothing energy, self-love, hope and accept- which gently removes ance. negativity and brings love and peace in its place. Lion - #1010 "Power of Feminine Energy to H ummingbird - #1009 Create Business Synergy" Lion protects against intrusions and "Tireless Joy and Love" encourages cooperation, individual Hummingbird stimulates love, effort, and the use of stealth when opens the heart and spreads joy. pursuing new goals and business Helps to create beauty in your endeavors. environment. Citrine Carnelian Enhances personal power, Stimulates the energy of love and awareness, creativity and optimism. joy. Clears negative energy Stimulates abundance by assisting allowing light to enter and one to acquire wealth and to transformation to occur. Has a maintain a state of wealth. stabilizing effect on energy in the Sodalite home. Excellent stone for group work - it Citrine eliminates confusion and supports Balances energy on all levels & increased efficiency and organiza- dissipates negative energy. tion. Helps to define clarity of Enhances personal power, purpose and direction, and to creativity & optimism. resolve issues with logic. Turtle - #1012 O wl - #1011 " Wisdom, Truth & Illumination" "Honour Your Feelings. Take Time to be True to Yourself." Owl reveals truth through keen, silent observation & clairvoyant abilities. Turtle teaches us to set a pace that Allows one to see & hear what may ensures success, taking things slow be hidden. Pay attention to signs & and steady - knowing that all things omens. come in time. Turtle encourages listening to your own sense of inner Blue Lace Agate knowing about what is best for you. Helps to awaken one's perceptive- Amazonite ness & awareness. Inspires inner A healing stone that aligns the physical resonance. body producing a balancing, preventive and rejuvenating energy. Grey Moonstone Promotes harmony by dispelling Enhances insights & intuitive recogni- irritating and negative energy. tion. Brings calmness coupled with awareness. Hematite White Jade Deflects negativity. Stimulates the Stone of "Magic" brings protection desire for peace and inner happiness. from the spiritual realm. Assists in Helps to focus and sort things out. accessing limitless resources of the universe. Wolf - #1014 W hale - #1013 "Finding the Teacher Within & "Creation, Manifesting Goals, Following Your Own Path" Awakening Inner Gifts" Wolf asks you to listen to your own Whale teaches finding your own inner teacher & trust your instincts. unique style through the use of sound. The wolf pack symbolizes the use of Linking to nature's sounds helps ritual to maintain order and harmony access and accelerate the creation of in life. goals. Whale symbolizes a practical balance between creative inspiration Sodalite and reality, helping to make life more Facilitates self-trust and trust in others. wondrous through colour and light. Promotes group unity. Allows subtle intuitive perceptions to permeate the Blue Topaz center of one's being. Enhances clarity and success in manifesting desires. Helps to see the Blue Lace Agate great overall scheme of life.Attracts Helps to awaken one's perceptive- abundance and love. ness & inherent talents. Inspires inner resonance. Moonstone A stone of change and wishes. Helps White Moonstone to clear obstacles on the path of A stone which is introspective, destiny. reflective & lunar. Brings help to understand destiny & follow intuition. White Jade (Jadeite) Assists with actualization of purpose. Helps to access the limitless resources of the universe. Feng Shui Bagua Light Catchers Catchers Inspired by the ancient philosophy of Feng Shui for harmonizing the energies in your home or workplace, are the Feng Shui Bagua Light Catchers. Utilizing gemstone Feng Shui to focus the properties, energies and colours of gemstones and crystals to invite harmonious energy and change into your life. Wealth - #1207 Relationship - #1213 Fame - #1216 Designed to assist or enhance Designed to assist or enhance the Wealth, Abundance & Designed to assist or enhance the Love & Relationships area Fortunate Blessings area of the the Fame & Reputation area of of the Bagua. Bagua. the Bagua. Rose Quartz Tree Agate Carnelian Soothes comforts & reassures, Fosters abundance & wealth. Aids Awakens innate talents, stabilizes bringing about deep inner in building self-confidence & energy & can help to increase healing. Gently removes strength. personal power, creativity, compas- negativity & attracts the energy of sion & love. Clears negative energy love, bringing peacefulness & Citrine & protects against envy, fear & rage. calm to relationships. Has a positive influence on business. Attracts wealth & helps to Garnet Rhodonite maintain a sense of abundance. Enhances internal fire & creativity. A stone of "love and interrelation- Can help one to change ones world ships".Activates, stimulates and Jade by producing expansiveness & clears the heart chakra encourag- The "stone of good luck". Enhances awareness in manifestation. ing love and generosity of sprit. blessings, peace & harmony. W isdom - #1218 Creativity - #1215 Family - #1217 Designed to assist or enhance Designed to assist or enhance the Designed to assist or en- the Children & Creativity area of Health & Wellbeing or Wisdom hance the Family Life area of the Bagua. areas of the Bagua. the Bagua Citrine Pyrite Chrysocolla Dissipates negative energy and Activates the nourishing energies of the Promotes harmony, balanced helps to activate and energize body & emits a shielding & protective communication & capacity for personal power, creativity and energy. Promotes understanding & love. Purifies the home, clears initiative. Stabilizes emotions and wisdom. Encourages & sustains the negativity & adds stability to inspires fresh perspective & flawless ideal of health & wellbeing. relationships. optimism. Tiger's Eye Malachite Ice Quartz Brings clarity & awareness of ones A "stone of transformation". Helps Quartz empowers & protects by personal needs as well as the needs of cope with setbacks, change & amplifying, focusing & regulating others. Soothes, calms and balances. challenges. Brings loyalty & energy. Facilitates growth, aware- devotion in relationships. ness and clarity. Career - #1214 Travel - #1219 Spirit - #1206 Designed to assist or enhance the Designed to assist or Designed to assist or Career & Life Journey area of the enhance the Helpful People & enhance the Spirituality or Bagua. Travel area of the Bagua. Wealth areas of the Bagua. Hematite Rainbow Moonstone Enhances mental clarity & encourages Helps to diminish obstacles on the Amethyst one to release limitations and "reach for path of destiny. Known as the A stone of spirituality and the sun". Dissolves negativity, focuses "traveler's stone" has been used peace. Protects and calms energy and supports peace, love and for protection during journeys. while clearing away unkind inner happiness. Brings happiness to one's vibrations. Aids in the environment. assimilation of new ideas and Lapis Lazuli is reputed to help business Fosters awareness & understanding of White Jade (Jadeite) affairs to prosper. ancient & inner wisdom. Stimulates A stone of luck, aids in actualizing clarity & organization in the attainment ones purpose and in accessing of ones dreams. the limitless resources of the Feng Shui Light Catchers Catchers Long Life - #1209 Life Peace - Blue - #1211 Good Luck - #1208 Garnet Blue Lace Agate Stone of 'healing and A gentle, peaceful power'. Energizes, & inspirational White Jade revitalizes and stone, Blue Lace Brings good luck balances energy. Agate Calms, and assists in Inspires love and soothes and uplifts building one's devotion. Enhances thoughts. Elimi- dreams. Enhances sexuality and attracts nates negativity peace and success. and anger. harmony. Hematite White Jade Tree Agate Known as a 'Power A stone which Attracts abundance Stone'. Helps to promotes peace & and wealth. Brings maintain one's sense harmony. White stability and helps of self. Stabilizes Jade improves one to realize their equilibrium, bringing understanding & inner gifts and peace and calm. cohesiveness talents. Enhances ability to within groups, as attract love. well as improving relationships. Y in Yang - #1212 The symbol for balance Peace - Violet - #1210 Serenity - #1205 and harmony. The opposing forces of Yin Amethyst and Yang are con- Lapis Lazuli stantly in a state of Attracts Love, A "stone of protec- change with an element protection & peace. tion, serenity & of each contained within Bringing in calm & enlightenment".Aids the other. This balance peaceful energy in connecting to the is necessary in order to while clearing energy of divine enxperience one's life unkind & negative light, intuition & to the fullest. vibrations. mysticism. Mentally Hematite - "Yin" Lavender Jade calming, supports Grounding, protecting A stone which clarity, insights, and balancing. promotes peace & communication & Stimulates the desire for harmony. Laven- relationships. Helps peace and inner der Jade improves to balance Yin & happiness. Deflects understanding & Yang & achieve negativity. cohesiveness equilibrium. within groups, as Howlite - "Yang" well as improving Facilitates awareness. relationships. Assists with the attainment of goals by encouraging ambition and eliminating hesitation. Love Lights Light Catchers The Soul*ar Energy Love Lights catchers have been created with love and relationships in mind. The Romance Love Light contains Rose Quartz and is designed to inspire love and romance. The Passion Love Light created with Garnet and the colours red, purple and magenta to enhance devotion, passion and sexuality. Passion - #1202 Romance - #1204 Garnet Rose Quartz Energizes, revital- Known as the "Stone izes and balances of Love". Rose energy. Inspires Quartz soothes, love and devotion. comforts, and Enhances sexuality reassures bringing and as a "stone of about deep inner health" clears healing. Gently negative energy removes negativity and enhances and attracts the personal power. energy of love bringing peaceful- ness and calm to relationships. Catchers F irst Peoples Light Catchers Hopi Healing Hand - #1601 Healing Hand Kokopeli - #1602 "Life, Creativity, "The Music of Fertile Magic, Healing & Friendship" Abundant Creation & Perfect Timing" Amazonite Helps to manifest the pure Allow your heart to sing & hear the energy of universal love, music of your own unique magic. soothes & balances. The time is now the power is you! Green Agate Amethyst Helps to awaken inner A stone for any kind of healing or talent, cleanse, balance & psychic work, Amethyst is naturally stabilize theAura. protective. It enhances spiritual awareness, meditation & serenity. Green Aventurine A powerful general healer, Carnelian it brings balance to all Brings abundance, positive energy levels of being and shields & protection. Supports the attainment energy drain from outside of goals & personal happiness. sources. Fosters belief in your unique talents & a knowing that you can achieve anything! Ethereal Messenger Light Catchers Amethyst Angel - #1401 Rose Quartz Angel - #1402 "Spiritual Awakening and Protection" "Spiritual Protection and Love" This Guardian Angel shining bright, This Guardian Angel shining bright, Will keep you safe in dark or light. Will keep you safe in dark or light. Rainbows will dance during the day Rainbows will dance during the day Bringing loving energy your way! Bringing loving energy your way! Amethyst Rose Quartz A "stone of enlightenment and protection". Known as the "Stone of Love", Rose Encourages spiritual awakening and Quartz soothes, comforts and reassures, enhances awareness, meditation, bringing about deep inner healing. visualization, serenity and composure. Gently removes negativity and attracts the energy of love, bringing peaceful- ness and calm to relationships. Faery Queen - #1405 Goddess - #1407 Princess Faery P rincess - #1406 "The Goddess symbol- izes archetypal feminine Faeries whisper in the night energy. She invites you Staying hidden through dark and light to connect with your Magical crystals and colours bright Goddess within." Bring Faeries out with great delight! Moonstone This faery's rainbows will invite, A stone of changes and Inspiring energy from nature sprites. wishes. Helps to clear So hang her in a place just right, obstacles on the path of For positive energy and faery light. destiny. Supports wellbeing and enhances Lavender Amethyst awareness of body Shifts energies to the higher frequencies of rhythms, allowing for a both spiritual and ethereal levels. better balance of the body's natural energy. Blue Lace Agate Awakens perceptiveness and high frequency states of awareness. Lavender Jade Magical stone attracting protective energy. Promotes peace and inspires wisdom. Heart Chakra Chakra Light Catchers Centre of all chakras. Major focus is love, warmth, compassion and understanding. The human energy system includes the seven chakras, which are the key regula- tors of the energies coming into and going out of the body. While the chakras are Colour: Green not a part of the physical body, they are connected to the subtle energy fields Relaxes, cleanses and balances. Supports healing, compassion and harmony with surrounding and influencing the body. nature. Personifies love, joy, peace and unity. Assists with change. Root Chakra Gemstone: Malachite Anchors your connection to the physical world. Stone of "transformation", stimulates instinctive It is key in creating overall strength to support and intuitive reasoning thus allowing for the physical body change. Clears and activates all chakras, Colour: Red releases negative emotions and brings loyalty Stimulates life force energy, power, vitality and in love and relationships. passion for life. Helps with grounding, courage Throat Chakra and self-confidence. Responsible for communication and self- Gemstone: Garnet expression. Energizes, revitalizes and balances energy. Colour: Turquoise Blue Inspires love and devotion. Enhances Supports creativity and self-expression, sexuality and as a "stone of health" clears communication and truth. Soothes the soul and negative energy. calms the body. Helps to verbalize and Sacral Chakra strengthen freedom of expression. Represents creativity, sexuality and happiness. Gemstone: Turquoise Aids with power and control in material matters. This "anti-negativity stone" is healing and Colour: Orange protective. Encourages self-realization and Symbolizes joy, creativity, pleasure, sexuality creative problem solving. Heals the spirit, and wellbeing. Supports abundance, enthusi- soothes and brings peace of mind. asm for life, happiness and confidence. Brow Chakra Gemstone: Carnelian Chakra of "intuition" helps to blend intuition Promotes feelings of wellbeing and aids in with logic. Encourages spiritual outlook and positive life choices. Protects against rage and perception. resentment. Helps to increase energy, Colour: Indigo/Royal Blue personal power and creativity. Colour of deep wisdom, mysticism and Solar Plexus Chakra universal truths.Aids in mediation and Centre for personal power, self-esteem and connects one to the unconscious self. interpersonal relationships. The main "re- Gemstone: Lapis Lazuli ceiver" of first impressions. Stone of "protection & enlightenment". Mentally Colour: Yellow calming, supports spiritual growth, intuitive Supports wisdom and mental clarity, stimulates perception and serenity. interest and curiosity. Connects us to the Crown Chakra "mental-logical" self, lifts spirits and supports The entry point of the life force - universal hope. energy, which nourishes the body, mind and Gemstone: Citrine spirit. Dissipates negative energy. Enhances Colour: Violet personal power, emotional awareness, A colour of inspiration, spirituality and healing. creativity and optimism. Cleanses negativity and makes new growth possible. Gemstone: Amethyst Chakra (Large) - #1403 A "stone of spirituality, protection and enlight- enment". Enhances spiritual awareness, Chakra (Medium) - #1404 meditation and visualization. Clears negativity. Celtic Light Catchers Catchers Celtic Heart - #1501 Heart D ragon - #1505 The dragon is the epitome Circle of Life - #1502 Life of power and exemplifies This celtic knot represents human elemental earth energy. love, with the The circle knot reminds Guardian of treasures interconnecting lines us that all of life is hidden deep in the uncon- showing the unity interconnected with no scious, the mythical Dragon with others we feel beginning and no end. connects us to life's magic in any true act of while keeping us protected. love. Turquoise Strengthens the body Red Jasper Rhodonite and energy field. A stone to help you connect Has been called Heals the spirit. with earth energies, it "the stone of love". facilitates the remembering This love embodies White Jade (Jadeite) of dreams especially those care for humanity Assists in grounding aspects important to one's and spiritual and in accessing the life. wellbeing. Brings limitless resources of order to chaos. the universe. Leopard Skin Jasper Supportive A "Shaman's Stone" emotionally, it also Hematite connected with the wisdom balances and eases Stimulates the desire for and power of totem animals. anxiety through peace and inner It connects you with magical clear vision. happiness. powers, especially the power of the four winds. Triskele - #1504 Earth - #1503 Represents the body, mind and The square represents the spirit as equal parts of the whole earth, which is the foundation person. Also represents the of life itself – the four elements of air, earth and water seasons, the four elements as the building blocks of all things. or the four directions. Bloodstone Chrysocolla Promotes renewal of the physical, Promotes harmony and emotional and intellectual bodies. becoming attuned to the spiritual forces of the earth. Moss Agate Provides for emotional balancing Smokey Quartz and strengthening of positive Excellent stone for ground- personality traits. ing and cooperation. Promotes joy in living. Peach Moonstone Allows one to see that "new Pyrite beginnings" are actually the Allows one to recognize the fruition of each "ending". purity of the universe and shields one from negative energies. Car Charms May be suspended from the rearview mirror of your vehicle for protection as well as a positive & calming influence when driving. Negativity Peace & Calm P rotector - Amplifier Amplifi er - #1702 #1701 Amethyst Attracts love, protection & Amethyst peace, bringing in calm & Attracts love, protection & peaceful energy while peace, bringing in calm & clearing unkind & negative peaceful energy while vibrations. clearing unkind & negative vibrations. Hematite Deflects negativity & Clear Quartz provides a calming atmosphere. Clears the Quartz alleviates anger, mind, helping one to sort empowers & protects by thinhgs out.Attracts peace, amplifying & focusing balances & grounds. energy. Stores, releases and regulates energy. Road Rage Traveler's P rotector - P rotector - #1703 #1704 Howlite Moonstone Increases patience and eliminates Known as the "Travellers stress & rage. Stone", thought to protect during travel. Cleanses Clear Quartz negativity, and brings Quartz alleviates anger, empow- calmness, happiness & ers & protects by amplifying & awareness. focusing energy. Stores releases and regulates energy. Clear Quartz Quartz alleviates anger, empowers & protects by amplifying & focusing energy. Stores, releases and regulates energy. Jewelry In addition to the Soul*ar Energy light catchers which have been created to support harmony and balance in your environ- ment, we have also designed a variety of jewelry intended to promote wellbeing and harmony for the wearer. Earrings, bracelets and necklaces have been fashioned with the synergistic use of colour and gemstones to create beautiful, aesthetically pleasing pieces to enhance both fashion and your sense of wellbeing. Jewelry can be selected on visual appeal alone, or purposefully chosen to attend to a particular concern or life issue. The range of gemstone and colour options that are available change often and many pieces are one of a kind to be seleceted personally by the buyer. Here is a sample of two popular pieces based on the light catchers which we keep in stock. Chakra Jewelry Chakra Jewelry Inspired by the Soul*ar Energy Chakra Light Catcher, this rainbow of dazzling colour comes with the correlating gemstones of: Garnet - Red Carnelian - Orange Citrine - Yellow Malachite - Green Turquoise - Turquoise Blue Lapis Lazuli - Indigo/Royal Blue Amethyst - Violet Made with Czech faceted crystal beads this necklace is available as a choker (#2013) or with a brilliant Swarovski Crystal Octagon Prism Pendant (#2012). The matching bracelet (#2010) and earrings in dangle (#2011) or chandelier (#2011C) also contain the seven gemstones. Jewelry Goddess Jewelry Inspired by the Soul*ar Energy Goddess Light Catcher, the Goddess is created with Moonstone, Swarovski crystal and Czech faceted beads. Moonstone is a stone of "Wishes and Changes" and helps to clear obstacles on the path of destiny. It supports wellbeing & enhances awareness of one's body rhythms, allowing for a better balance of the body's natural energy. The Goddess symbolizes archetypal feminine energy and can be worn for support during times of change. She invites you to connect with your Goddess within. Aromatherapy In the fall of 2003, Soul*ar Energy developed a line of essential oil products to complement the gemstone properties and meanings of some of our light catchers. To create a marriage between the blends and the catchers, we infused the essential oil blends with the catcher gemstones thus potentiating an aromatherapy line with gemstone energy. All of the gemstones used in these products have been cleansed in sea salt and placed within the Medicine Wheel for charging and balancing in both the sunshine and moonlight. The gemstones have also been energized with Reiki and drumming. Each unique scent combines with the high vibrational gemstone counterpart to create a product rich in positive energy. When used with their light catcher complement, the results are sure to impart that same positive energy to your personal space. Enjoy! Soul*ar Essentials CLEANSING AND SPACE CLEARING blend contains 100% pure essential oils of Sweet Birch (invigor- ates and cleanses), Lemon (soothes and refreshes), Lavender (calms and revitalizes) and Pine (cleanses and refreshes). Use these products to create peace, harmony & joy in taking time for yourself to cleanse and replenish with positive en- ergy. Designed as a complement to the Soul*ar Energy FROG LIGHT CATCHER which symbolizes a time for serenity & replen- ishment - to cleanse, heal, grow & change unwanted conditions in your life. Contains Rose Quartz and Jade chips. Cleansing & Space Clearing Products Available: 10 ml diffuser oil (#6301), 120 ml aura & room mist (#6101) and sacred space kit (#6001). Soul*ar Essentials FAERY blend of 100% pure essential oils contains the sweet floral overtones of Ylang Ylang (instills joy) and Jasmine (spiritual awareness), the woody aroma of Juniper (calms the nerves) and Frankincense (relieves stress and tension) with a light dusting of citrus-scented Bergamot (uplifting and soothing) to capture the light playful energy of the Faery kingdom. Designed as a complement to the Soul*ar Energy FAERY QUEEN LIGHT CATCHER and FAERY PRINCESS LIGHT CATCHER which symbolize the wonder and magic of the world around us. Contains Blue Lace Agate chips. Faery Products Available: 10 ml diffuser oil (#6309) and 120 ml aura & room mist (#6109). Soul*ar Essentials GODDESS blend is a complex & exotic - yet softly subtle blend of 100% pure essential oils. Made with the earthy scents of Rose Geranium (uplifting and energizing), Chamomile (calming and soothing) & Patchouli (grounding and balancing) combined with the floral oils of Neroli (instills peace) and Jasmine (spiritual awareness) plus the citrus tang of Grapefruit (reviving) and Mandarin (strengthening). Use these products to create peace, harmony & joy in taking time for yourself. Designed as a complement to the Soul*ar Energy GODDESS LIGHT CATCHER which symbolizes the archetypal feminine energy. She invites you to connect with your Goddess within. Contains Moonstone chips. Goddess Products Available: 10 ml diffuser oil (#6310) and 120 ml aura & room mist (#6110). Soul*ar Essentials JOY blend contains 100% pure essential oils of Sweet Orange (spreads sunshine, encourages positive outlook and dispels tension), Grapefruit (uplifting and reviving, decreases stress), Rose Geranium (uplifting, relieves stress, mild depression and protects space) and Ylang Ylang (relaxes nervous system and encourages feeling of joy). Designed to complement the Soul*ar Energy HUMMINGBIRD LIGHT CATCHER which invites you to create 'joy, happiness and beauty in your environment'. Hummingbird medicine stimulates love, opens the heart and spreads joy. Contains Carnelian and Citrine chips. Joy Products Available: 10 ml diffuser oil (#6302), 120 ml aura & room mist (#6102) and sacred space kit (#6002). Soul*ar Essentials LOVE BLESSINGS blend contains 100% pure essential oils of Patchouli (grounds, balances and dispels lethargy), Jasmine (calms, warms and produces positive feelings) and Rose Geranium(balances emotions. Uplifting and stress relieving). Designed to complement the Soul*ar Energy ROSE QUARTZ GUARDIAN ANGEL and FENG SHUI RELATIONSHIP LIGHT CATCHERS and invites you to both receive and give love, peace and wellbeing for yourself or for others. Contains Rose Quartz chips. Love Blessings Products Available: 10 ml diffuser oil (#6303), 120 ml aura & room mist (#6103) and sacred space kit (#6003). Soul*ar Essentials ROMANCE AND PASSION blend contains 100% pure essential oils of Patchouli (grounds, balances and enhances libido), Ylang Ylang (balances hormones, inspires warmth & closeness), Rose Geranium (balances hormones and emotions; uplifting and stress relieving)and Bergamot (relaxing and uplifting). Designed to complement the Soul*ar Energy LOVE LIGHTS PASSION LIGHT CATCHER and invite you to experience sensual- ity, love and devotion. Contains Garnet chips. Romance & Passion Products Available: 10 ml diffuser oil (#6305), 120 ml massage oil (#6105) and romance kit (#6005). Soul*ar Essentials PROSPERITY AND ABUNDANCE Blend contains 100% pure essential oils of Cypress (enduring, calms spirit and removes blocks), Bergamot (uplifting, decreases tension and frustration), Rosewood (fast growing, balances over-burdened states with an uplifting, enlivening effect), and Ylang Ylang (balancing, alleviates fear, anxiety). Designed to complement the Soul*ar Energy FENG SHUI WEALTH LIGHT CATCHER and BUFFALO LIGHT CATCHER. May be used to attract abundance and success through synchronistic opportunities. Buffalo's message reminds us to always be grateful for that which is received. Contains Citrine and Jade chips. Prosperity & Abundance Products Available: 10 ml diffuser oil (#6304), 120 ml aura & room mist (#6104) and sacred space kit (#6004). Soul*ar Essentials SERENITY blend contains 100% pure essential oils of Sandalwood (relaxing, brings peace and accept- ance), Geranium (lifts the spirit and helps to bring inner balance), Lavender (cleanses and soothes the spirit bringing a sense of calm) and Clary Sage (warms and relaxes encouraging a sense of wellbeing). Designed to complement the Soul*ar Energy BEAR LIGHT CATCHER and SERENITY LIGHT CATCHER and invites you to go "within" and create your own bear's den or inner sanctuary. Contains Lapis Lazuli chips. Serenity Products Available: 10 ml diffuser oil (#6306), 120 ml linen mist (#6106) and sleep/meditation kit (#6006). Soul*ar Essentials SPIRIT BLESSINGS blend contains 100% pure essential oils of Champa (uplifting and exotic), Lavender (soothing & calming), Sandalwood (relaxing, brings peace & acceptance), Frankincense (slows breathing, soothes & calms), Jasmine (calms, restores energy & warms emotions), Bergamot (uplifting & refreshing) and Myrrh (uplifts & inspires). Designed to complement the Soul*ar Energy AMETHYST ANGEL LIGHT CATCHER and FENG SHUI SPIRIT LIGHT CATCHER which gently protect and inspire…awakening spiritual lightness and the magic of 'being'. Contains Amethyst chips. Spirit Blessings Products Available: 10 ml diffuser oil (#6307), 120 ml aura & room mist(#6107) and sacred space kit (#6007).
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Up for auction is BEARS IN THE WOODS Eleanor Burns Quilt in a Day pattern book. The book is in very good good condition. Pages crisp and clean Buyer pays shipping. I am listing other items and will ship multiple1 month ago on ebay.com


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urn:lsid:ibm.com:blogs:entries-a27fff3d-0d1b-4145-b91e-6726fb6cadf1 Insurance - Tags - fairness Incorporate new approaches to address uncertainty and complexity. 1 2013-06-26T15:55:07-04:00 IBM Connections - Blogs urn:lsid:ibm.com:blogs:entry-88fd241f-4649-4bab-a03d-6b2c413aa738 What is a fair rate? Christian Bieck email@example.com 270001WK4F active Comment Entries application/atom+xml;type=entry Likes 2011-12-12T09:28:25-05:00 2011-12-12T09:35:52-05:00
Last week's post generated some discussion – unfortunately not here on the blog itself, but offline. That last post had about 150 hits, some earlier ones twice as many, so I know there are people out there reading what we write. (Ok, that is assuming that my son is not resetting our IP address at home and hitting refresh to make me feel good.) Or at least opening the IBM Insurance Blog page. And it would also be unusual if everybody actually agreed with our writing – so please, speak up, the comment section is open for everybody. (And if the posts are boring, please also tell us. "Hey, I would rather read about topic xyz!")

The offline commentary went mostly this way: "You wrote that insurers would use the astrological birth sign if they found a statistical correlation to accidents. But that is not fair!" And, I have to admit, I wrote that to provoke a reaction. (That's what bloggers do, even on a serious blog like this one.) Which brings us to the idea of fairness in insurance.

There are tons of studies about how humans perceive fairness. And some about other primates as well, which suggests that these concepts have been hardwired into us for quite some time. (I particularly like this one.) In short: we have no problem with inequalities, as long as it is not arbitrary. For goods and services that means there has to be an objective AND understandable link between price and product attributes. The attribute can be pretty mushy – for instance, consider books. A hardcover costs three times the paperback price, which you pay for the same words, extra dead trees and unwieldiness, but also for a much earlier reading experience than if you wait for the paperback. (Plus it arguably looks better in your bookcase.) And in the world of consumer products, a big part of the price is the perceived coolness of the product. Unfortunately, the insurance industry doesn't have these intangibles going for them. It would be interesting to hear something like "dude, you really have to buy from Peppermint Insurance, they are so cool", but it does seem hard to imagine. (Btw, no matter what the current "in" word is, "cool" always works.)

So ultimately, for insurance rates to feel fair, insurers have to use hard facts for pricing. (Value-based pricing can also work, but more for commercial insurance.) But if the statement "there is a clear correlation between sign (i.e. birth date) and car accidents" was true, why wouldn't it feel fair to have rates based on it? It still feels arbitrary because the causal link is not at all clear. Why would somebody born on November 28 pay a different rate (Scorpius) than somebody born on November 29th (Ophiuchus)? Does your birthday make you a better or worse driver? And why would one day matter?

Fortunately, there is no statistical evidence that birth signs are significantly different in driving. (Please correct me if I am wrong.) But what about factors where there is evidence, e.g. gender? The European Court of Justice issued a ruling early this year that forbids different rates in insurance based on gender, to much outcry by the insurance industry and mixed commentary in the press. (Just search "ECJ gender ruling". FWIW, the ruling was mainly a political one, based on a 2004 EU directive.) Most of the commentary misses the above made point: while there may be a statistical link between gender and driving, there is no causal one on an individual basis. That means that women on average are better drivers than men, but not as individuals – which really makes rate differences based on gender discriminatory. (Life insurance is a different matter, IMO, because the causal link is there.)

Traditionally, an insurer had a large pool of insured persons (or objects) with the same type of risk, but not the same actual risk. The premium was for the average risk, so that the good risks subsidized the bad ones. Consumers are becoming less and less willing to accept that model. (In the 2008 study mentioned in the last post, 50% said they would rather pay based on their own risk.) From a technical standpoint, it would be quite possible to invite everybody to use a driving simulator which tests reactions to unusual situations. This could even be centralized, i.e. across insurers. Since 80% of drivers think they are better than the average, it shouldn't be hard to get people to take the test. Then have everybody pay based on their actual driving performance, not statistical averages. Add to that the already existing usage-based insurance models with a black box in the car (which could also be used to calibrate the initial driving test in real world conditions), allowing adjustments for where people actually drive (New York City in rush hour is more accident-prone than Death Valley at night), and you would have rates based on real individual risk – hard to argue that those rates are not fair.

Sounds big brothery? Yes, and switching to the new model would not be painless, either. Twenty years ago, it wouldn't even have been possible, but today it is. Who knows, we might be hearing a "dude, they might not be cool, but they offer the fairest rates in the country…"
 Last week's post generated some discussion – unfortunately not here on the blog itself, but offline. That last post had about 150 hits, some earlier ones twice as many, so I know there are people out there reading what we write. (Ok, that is assuming that my... 0 1 887 urn:lsid:ibm.com:blogs:entries-a27fff3d-0d1b-4145-b91e-6726fb6cadf1 Insurance 2013-06-26T15:55:07-04:00


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Dianne Jacob is the author of Will Write for Food: The Complete Guide to Writing Cookbooks, Blogs, Reviews, Memoir, and More. Now in its second edition, the book won the 2005 Cordon D'Or International award for Best Literary Food Reference Book and the 2010 Gourmand World Cookbook Awards for Best in the US in its category. She is also the author of Grilled Pizzas & Piadinas, a cookbook she co-authored with a chef.
Dianne has judged books for the James Beard Foundation, the International Association of Culinary Professionals Cookbook Awards, and has judged writing for the Bert Greene Award for Food Journalism.
She teaches classes on food writing and book publishing at Book Passage in Corte Madera, CA; The Writing Salon in Berkeley, CA; and Rancho La Puerta in Tecate, Mexico. See her website, http://www.diannej.com, and blog, http://www.diannej.com/blog.
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Though the life work of Harriet Tubman is well known, Courage to Run is the story of her childhood from ages 6 to 13, when she already hates slavery and yearns for freedom. Harriet worries about whether she'll find the courage to run if the time comes to run, or the strength to hold firm if she needs to stay the course. And how will she know the difference? --This text refers to the Paperback edition.
Lauraine Snelling
Author, Golden Filly and High Hurdles series
Harriet Tubman overcame terrible fears by forging ahead with her belief in God and not allowing anything or anyone to keep her from her mission of faith, hope and love. What an inspiration for the youngand the oldof our time! Her life is a beautiful example of one who followed her strong moral sense of right and wrong.
Kathy Lennon Daris
Author and founding member of The Lennon Sisters
An authentic re-creation of life as a slave child and the comfort and courage only God could supply.
Pamela Walls
Author, Abby & The South Seas Adventures series --This text refers to the Paperback edition.
I bought this one together with my Dear Canada book about the Titanic. Very believable character as she believes in God and I know most historical people did believe in Him. Read morePublished on June 10 2012 by Elisabeth33
I don't remember seeing or reading a book on Harriet Tubman as a child. Wendy Lawton's account of Harriet Tubman's childhood life was very realistic to me. Read morePublished on Aug. 28 2003 by Antoinette Winder
This is a very engrossing book and one I could not put down until I finished it.
I normally do not like to read any book written in dialect. Read more
Lawton does an outstanding job of putting the reader right in the "Quarter" house for slaves on a plantation in Maryland with the young Harriet Tubman, her family and close... Read morePublished on March 31 2003 by Lee Warren
As a parent and elementary teacher, Courage to Run is just the kind of book I hope to find to bring history alive. Mrs. Read morePublished on Aug. 26 2002 by Crystal E. Miller
No wonder Courage to Run is receiving rave reviews from everyone.
Wendy Lawton is a master storyteller, bar none. Read more


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Something I made out of boredom.
Leader: Gordon Freeman
Brawler: Prophet
Weapons Expert: Master Chief
Brains: Joanna Dark
Medic: Medic (duh)
Speed Fighter: FemScout
Mascot: Call of Duty Dog
Guy Who dies first: Simon "Ghost" Riley


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- 1000 Ithaca Drive
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3 BR Ranch on secluded lot w 2 car attached garage. Many trees & landscaped. Fresh paint in & out. Tile baths w new fixtures. New light fixtures & chandelier. Refinished wood floors. Wood windows, bay window, blinds, ceiling fans, vaulted ceiling & moss rock fireplace. Trex deck. Kitchen features Stainless appliances, halogen track lights, refinished oak cabinets and gas range. Finished Basement is carpeted w 2 BR, full BA & huge great room. Newer roof. Clean inside & out. One block to school.
Separate Dining Room, Cathedral/Vaulted Ceilings, Open Floor Plan, Wood Windows, Bay or Bow Window, Stain/Natural Trim, Walk-in Closet, Wood Floors
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Full Basement, 90%+ Finished Basement, Slab, Daylight Basement
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Sport - Jason Cowley rounds up an Australian summer
Andy Caddick was subjected to remorseless abuse. Why? He's got big ears
Andy Caddick was subjected to remorseless abuse. Why? He's got big ears
by Jason Cowley Published
The enduring fascination of Test cricket is that, unlike the Labour Party, it refuses to modernise. Five-day games, long overseas tours, white clothing: the long game is essentially as recognisable now as it was 50 years ago. Yet, at the same time, everything has changed, from the rate at which teams seek to score to the athleticism of the fielding. England have been slower than Australia to adapt to the demands of the contemporary game, but at least they fought back at the end of what turned out to be an unexpectedly memorable series. Here are my highlights from an Australian summer:
- The noble Hussain: The England captain, despite his calamitous decision to field on the opening morning of the first Test, behaved with dignity and restraint throughout an often disastrous tour. For this, if not his tactical acumen, he has won the respect of the Australians, who have adjudged him anything but a whingeing Pom.
- The artistry of Michael Vaughan: Everyone knew that the Yorkshire batsman, when he scored three centuries against India last summer, was good. But no one knew that he was this good, not even, I suspect, the man himself. His extra-cover drive in particular - front foot to the pitch of the ball, head still, bat perfectly straight - is a stroke of exquisite elegance and grace. The best English batsman since the war?
- Cheers, big ears: Bowling England to victory in Sydney was some consolation for Andrew Caddick, who, more than any other England player, was subjected to remorseless abuse throughout the tour - both in the newspapers and from the home crowd. His crime? That he has big ears.
- Enter the blacksmith: Purists were outraged but I was distinctly amused when Robert Key, a young, burly batsman on his first tour, walked to the crease during the Boxing Day Test in Melbourne holding his bat not by the handle, but by the blade. He resembled the local blacksmith preparing to smite a few sixes in a village game. He was out for a duck.
- Disgrace under pressure: After a couple of decisions went against the Aussies on the penultimate day of the final Test, the team threw a collective tantrum, led by the macho opener Matthew Hayden, who smashed a pane of glass in the home dressing room following his second failure in the match.
- "Finally, a Pom rises from his sickbed": This headline from the Sydney Morning Herald, referring to the return of Michael Vaughan after suffering a fractured shoulder, expresses well the amused disdain with which Australians greeted each new misfortune to befall an England player. From broken bones and torn ligaments to mysterious viruses, this was a winter of prolonged woe for the visitors. So desperate was their plight, early in the tour, that Chris Silverwood had to be summoned from his Yorkshire home to bolster an ailing attack. He arrived for the third Test in Perth and, despite little preparation, was handed the new ball. He bowled only four wayward overs before he snapped his ankle ligaments. He took no further part in the match and was sent home on the next available flight.
- The candour of Kerry O'Keeffe: To be honest, I had forgotten about O'Keeffe - until I heard him being introduced as an expert summariser on ABC's equivalent of Test Match Special. Then I recalled the handsome, blond-haired leg spinner I'd seen playing for Australia during, I think, the 1977 tour of England. O'Keeffe was never more than a fringe member of that great Aussie team; but he is a star of ABC, an eloquent, urbane anecdotist who combines candid revelation (about his youthful drinking and other excesses) with a generous, mischievous disposition and a deep knowledge of the game. The BBC should bring him over to England during the next Ashes tour.
- Steve Waugh's century: The expectation of the home captain, preceding the Sydney Test, was like nothing I had ever encountered. His detractors, of whom there are surprisingly many, believed that he was finished. Waugh answered them in his own resolute way - by scoring a century, completed on the final ball of the day. Only sport produces moments of such incomparable human drama.


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Defence budget in disarray as minister fails to back up David Cameron's bold spending pledge
Rob Williams
Rob Williams was Production Editor (Web/Apps) at The Independent. He was also a Senior Online Reporter. He worked for The Independent from June 2008 until April 2015. He is now a journalist on the Manchester Evening News.
Thursday 31 January 2013
Government plans for Armed Forces spending appeared to be in disarray today after the Defence Secretary was unable to confirm David Cameron's apparent commitment to above-inflation budget rises.
Earlier, senior sources were said to have confirmed that Cameron would honour the commitment to above-inflation rises in the defence budget after 2015.
Tensions have been growing in the Coalition as negotiations begin over how to save billions of pounds more in the 2015-16 spending review, with Defence Secretary Philip Hammond believed to be among ministers opposed to further cuts.
Mr Hammond has already seen his budget slashed by 8% in real terms since 2010.
During a trip to North Africa the PM signalled that he "does not resile" from comments he made in October 2010, when he appeared to accept that defence spending had to start rising again from 2015 onwards.
However, Mr Hammond today said that the equipment side of his budget - accounting for roughly half of MoD spending - would rise in real terms, but that there would be a "robust discussion" about other elements.
"I have a firm commitment that the equipment plan, which is a very large part of the defence budget, will rise in real terms by 1% a year between 2015 and 2020, that's a commitment that has previously been made and repeated since the Chancellor delivered his Autumn Statement," he told BBC Radio 4's Today programme.
"But there is going to be a spending review for 2015/16 and I will go into that arguing the case for the resources that defence needs to deliver the plan that we have set out, Future Force 2020, and I am very confident that we will have a robust discussion about that."
On the subject of overall defence spending Mr Hammond said: "What I know is that I have a firm commitment on the equipment plan, which about roughly half the defence budget is covered by that. That will rise in real terms after 2015."
Asked whether staffing budgets could be cut, he said: "The rest of the budget will be subject to a discussion around the spending review the Chancellor announced in the Autumn Statement. But I'm going into that spending review discussion on the basis that I expect the outputs that I have defined to be protected."
Tory backbenchers are among those voicing fears that the long-term capabilities of the military could be degraded unless more money is found.
The issue has been cast into sharper relief by the Government's commitment of up to 330 personnel and air support to the campaign against rebels in Mali.
Protecting MoD budgets could mean harsher treatment for the police and other services.
The confusion comes amid warnings from the Whitehall spending watchdog that any further cost-overruns on the Ministry of Defence equipment programme could jeopardise its future plans for the armed forces and as Mr Hammond published a detailed equipment plan for the next ten years which, he said, had finally eliminated a £79 billion "black hole" inherited from the former Labour government.
The £159 billion programme includes £35.8 billion for a new generation of nuclear-powered submarines, £18.5 billion for combat aircraft for the RAF and £17.4 billion for Royal Navy warships, including the Queen Elizabeth Class aircraft carriers.
Within the plan there is £4.8 billion for contingencies as well as £8 billion of "unallocated" funding which the MoD said would be allocated to meet new equipment priorities as they emerged over the coming decade.
But the National Audit Office said there was "systemic over-optimism" built in to the MoD's planning which ran the risk of leaving "capability gaps" in the years ahead. While the NAO acknowledged that the MoD had taken "significant positive steps" to address the affordability of the equipment programme, it expressed concern that the contingency allocation was insufficient.
It warned that if the MoD was forced to fall back on the unallocated funding to make-up the shortfall, it would be unable to deliver in full the plans set out in the 2010 Strategic Defence and Security Review - known as Future Force 2020.
"There is systemic over-optimism inherent in the department's assumptions around the costing of risk and uncertainty at both project and portfolio levels, which may not be sufficiently mitigated by the contingency provision," the NAO said.
"The £8 billion of unallocated budget does offer protection to the core programme. However, our review of departmental documents and interviews with departmental personnel suggest that the unallocated budget is essential to deliver the full intent behind Future Force 2020.
"Using this budget to protect the core programme would therefore result in capability gaps."
Margaret Hodge, the chairman of the Commons Public Accounts Committee, said they would be taking evidence from MoD officials in order to assess the robustness of the plan.
"The Ministry's track record in forecasting accurately the cost of its largest projects hardly inspires confidence," she said.
"Between 2000 and 2012, the cost of its 69 largest projects ballooned by £11 billion. Independent analysis in 2009 found that final project costs were typically 40% higher than the Ministry's initial forecasts.
"Given this past performance, I am dismayed that the Ministry is still taking an over-optimistic view to putting a price on risk and uncertainty."
Mr Hammond, however, insisted that the plan would ensure that Britain's armed forces remained among the most capable and best equipped anywhere in the world.
"For the first time in a generation the armed forces will have a sustainable equipment plan," he said.
"Step by step, we are clearing up years of mismanagement under the last government by ending the culture of over-promising and under-delivering that created a multibillion pound black hole in the defence budget."
Andy Murray's quarter final opponent has a secret weapon... but what is in Pospisil's mysterious little blue book?
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Florida man sentenced to two-and-a-half years for having sex on the beach in front of a child
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More Britons believe that multiculturalism makes the country worse - not better, says poll
Osborne to cap family benefits at £23,000 – announced ahead of his post-election Budget
Nathan Collier: Montana man inspired by same-sex marriage ruling requests right to wed two wives
Forget little green men – aliens will look like humans, says Cambridge University evolution expert
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