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What is JotForm?
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Can I add a field (send me copy of the form)Asked by html5 on July 13, 2016 at 06:14 PM
the client fills in the form on my website but need to know
Can they send the form to their own email ???
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Hi Pete,
By default, the forms you create will have a Notification E-mail attached to them already. Every time a user submitted or used your forms in your website, you will get the email alert on your email account.
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Web development
Budget $250-750 USD
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Description: "["The Breaking Point"] suggests that the national conversation is about to have a hot flash. The passage through middle age of so large a clump of women . . . guarantees that some rules may have to be rewritten and boundaries moved to accommodate them." --"Time" magazine From the cover of "Time" to" Desperate Housewives," the phenomenon of women in midlife experiencing a period of tumultuous personal upheaval--a breaking point--has reached a peak in our culture. Today, more than 15 million baby boomer women report having a midlife crisis compared to 14 million men. In "The Breaking Point," "Wall Street Journal" columnist Sue Shellenbarger looks beyond the numbers to discover the root of all this angst and examine the ways, both successful and not, that women are navigating this crucial transition period. Drawing on original research data and interviews with more than fifty women, "The Breaking Point" uses real-life stories to illustrate the different archetypes and modes the course of reinvention follows. The book also shows women how to avoid the pitfalls of a midlife meltdown--ruined relationships and jettisoned careers--and instead transform this turbulent time into a period of personal growth that will enrich the rest of their lives. Once every decade or so a book comes along that defines the collective experience of an entire generation. Provocative, insightful, and resonant, "The Breaking Point" is just such a book. "Every once in a while you read a book that transforms you. Like the shift of a kaleidoscope, it reconfigures your view of life's journey. This is such a book. It may stimulate you to change directions, perhaps even enable you to find life's greatestjoy: fulfillment. An invigorating read." --Helen Fisher, author of "Why We Love" "This catchy work is tailor-made for the 36 percent of women who will eventually have what they regard as midlife crises' . . . an illuminating guide." --"Publishers Weekly "
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CrashDirector: Paul Haggis
Cast: Sandra Bullock, Don Cheadle, Matt Dillon
- Overview
- Editorial Reviews
- Product Details
- Special Features
- Related Subjects
- Cast & Crew
- Scene Index
- Menu
- Videos
Issues of race and gender cause a group of strangers in Los Angeles to physically and emotionally collide in this drama from director and screenwriter Paul Haggis. Graham (Don Cheadle) is a police detective whose brother is a street criminal, and it hurts him to know his mother cares more about his ne'er-do-well brother than him. Graham's partner is Ria (Jennifer Esposito), who is also his girlfriend, though she has begun to bristle at his emotional distance, as well as his occasional insensitivity over the fact he's African-American and she's Hispanic. Rick (Brendan Fraser) is an L.A. district attorney whose wife, Jean (Sandra Bullock), makes little secret of her fear and hatred of people unlike herself. Jean's worst imaginings about people of color are confirmed when her SUV is carjacked by two African-American men -- Anthony (Chris Bridges, aka Ludacris), who dislikes white people as much as Jean hates blacks, and Peter (Larenz Tate), who is more open minded. Cameron (Terrence Howard) is a well-to-do African-American television producer with a beautiful wife, Christine (Thandie Newton). While coming home from a party, Cameron and Christine are pulled over by Officer Ryan (Matt Dillon), who subjects them to a humiliating interrogation (and her to an inappropriate search) while his new partner, Officer Hansen (Ryan Phillippe), looks on. Daniel (Michael Pena) is a hard-working locksmith and dedicated father who discovers that his looks don't lead many of his customers to trust him. And Farhad (Shaun Toub) is a Middle Eastern shopkeeper who is so constantly threatened in the wake of the 9/11 attacks that he decided he needs a gun to defend his family. Crash was the first directorial project for award-winning television and film writer Haggis.
Editorial Reviews
Not many films have the possibility of making their audiences better people. I don't expect Crash to work any miracles, but I believe anyone seeing it is likely to be moved to have a little more sympathy for people not like themselves.
Product Details
- Release Date:
- 09/06/2005
- 0031398179382
- Original Release:
- 2005
- Rating:
- Source:
- Lions Gate
- Region Code:
- 1
- Presentation:
- [Wide Screen]
- Time:
- 2:02:00
- Sales rank:
- 16,695
Special Features
Cast & Crew
|Sandra Bullock
|Don Cheadle
|Graham Waters
|Matt Dillon
|Jack Ryan
|Jennifer Esposito
|Shaun Toub
|Brendan Fraser
|Terrence Howard
|Cameron Thayer
|Chris "Ludacris" Bridges
|William Fichtner
|Thandie Newton
|Christine Thayer
|Ryan Phillippe
|Officer Tom Hanson
|Larenz Tate
|Michael Peña
|Nona Gaye
|Loretta Devine
|Beverly Todd
|Graham's Mother
|Keith David
|Lt. Dixon
|Sean Cory
|Motorcycle Cop
|Tony Danza
|Billy Gallo
|Officer Hill
|Karina Arroyave
|Art Chudabala
|Ken Ho
|James Haggis
|Lara's Friend
|Ken Garito
|Dato Bakhtadze
|Marina Sirtis
|Daniel Kim
|Bahar Soomekh
Technical Credits
|Paul Haggis
|Director,Original Story,Producer,Screenwriter
|Linda M. Bass
|Costumes/Costume Designer
|Michael Becker
|Laurence Bennett
|Production Designer
|Scott Cameron
|Asst. Director
|Don Cheadle
|Betsy Danbury
|Brandee Dell'Aringa
|Art Director
|Marina Grasic
|Executive Producer
|Sarah Halley-Finn
|Mark R. Harris
|Randi Hiller
|Mark Isham
|Score Composer
|Jan Körbelin
|Executive Producer
|Dana Maksimovich
|Associate Producer
|Robert Moresco
|Bobby Moresco
|J. Michael Muro
|Tom Nunan
|Executive Producer
|Andy Reimer
|Executive Producer
|Cathy Schulman
|Richard van Dyke
|Sound/Sound Designer
|Hughes Winborne
|Bob Yari
|Kathleen "Bird" York
Scene Index
1. Main Titles/Frame of Reference [5:54]
2. Blind Fear [4:07]
3. A Nice Gun [5:21]
4. Sobriety Test [7:11]
5. A Little Anger [2:33]
6. Invisible and Impenetrable [5:11]
7. A Personal Problem [4:56]
8. Locked and Loaded [4:34]
9. Taking the Bus [5:01]
10. Ringing False [4:16]
11. Brother's Keeper [4:06]
12. Uninsured [3:40]
13. Trust [9:17]
14. On a Gut Level [6:57]
15. Breaking Point [2:12]
16. Threatening Gestures [4:53]
17. A Really Good Cload [2:56]
18. Happenstance [2:15]
19. Miscommunication [5:08]
20. Human Cargo [3:45]
21. Things to Do [4:40]
22. Connections [3:35]
23. L.A. Snowfall [5:35]
24. End Credits [4:05]
25. Chapter 25 [:01]
Play Movie
Scene Selection
Set Up
Audio: English 5.1 (Dolby Digital)
Audio: English 5.1 (Dolby Surround)
Subtitles: English
Subtitles: Spanish
Subtitles: Off
Special Features
DVD Introduction by Writer/Produce/Director Paul Haggis Audio Commentary With Writer/Producer/Director Paul Haggis, Writer/Produce Bobby Moresco and Actor/Producer Don Cheadle: On
DVD Introduction by Writer/Produce/Director Paul Haggis Audio Commentary With Writer/Produce/Director Paul Haggis, Writer/Producer Bobby Moresco and Actor/Producer Don Cheadle: Off
Behind the Scenes
Music Video:
Customer Reviews
Average Review:
Most Helpful Customer Reviews
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After viewing this joke of a film just once, it's insanely easy to see why it won Best Picture. It makes white people look like the enemy, and Hollywood just loves that. They love hating Whitey so much that this awful movie beat out the story of a 25-year gay romance for the Oscar. If this movie succeeds in anything, it proves how out of touch the film culture is with the rest of America. Absolute garbage.
A waste of good acting. The storyline is like a cheesy soap-opera -- L. A. has millions of Angelinos, yet this group of characters keeps running into one another. This movie tries too hard to get a simple message across: Humans may all be biggots "in-hiding", but in the end, we're all we've got and we depend on each other to get through life. But it's just a "preachy", poor quality film. It was like one of those over-the-top melodramatic LIFETIME movies, but with lots of cursing and a nude scene. Definitely not Oscar worthy.
omg... This is one of the best movies I have EVER seen! It is so inspiring and intimate. It definitely gives you a real look at racism and social clashes. The first thing I thought at the end of this movie was:"Wow...Life is such a vicious cycle underneath. " It's kind of scary(life,not the movie). I cried a lot, it is that moving. It takes quite a bit to make me cry. A must see for everyone!
The first few lines of the movie describe it best - "We miss that touch so much that we crash into each other, just so we can feel something." There's a lot going on nowadays where you know you should be feeling something, but can't- you're desensitized. Crash will remind you what it is to be in the frustrating, turbulent state our society is in. It will make you angry, it will make you laugh, it will make you cry. But in the end you will come away simply knowing more, and that's saying a lot.
I can only think of a few movies such as Schindler's list that have affected me so profoundly that I was still thinking about them days later. Crash is definitely one of those movies!
While Haggis' film is superb, I couldn't help but be reminded of Lawrence Kasden's wonderful and similar, though often overlooked, "Grand Canyon." If you loved "Crash," you should also appreciate the Kasden jewel, "Grand Canyon," with its equally talented cast and interwoven plot lines.
If only every movie could be like "Crash." Truly a modern inspiration that should start many a discussion and give insight into everyone's motives and prove people are not always who they seem.
I would reccomend this movie mainly bec it lends a different perspective of racism to our everyday lives, something like, we may be doing it but we don't realize that we are. And to be honest, I am guilty of that, stereotyping people that is. True, the movie may be a bit exagerrated because I don't really think anyone can act or have an attitude like that these days and not be sued. We do it subtly thats what and this movie makes us realize that we have a bit of stereotyping in us, which leaves room for improvement doesnt it?
Contrary to the very enthusiastic comments on this site, I found the Academy's choice for Best Picture of 2005 to be an embarrassing one. In the year of "Brokeback Mountain", a timeless classic if there ever was one, and three other far superior Picture nominees, "Crash" is an incredibly weak selection for top honors. A "Message" movie with all the subtlety of a sledgehammer, "Crash" does boast fine acting, nimble editing. gritty cinematography and an effective, moody music score. All of that is wasted because Paul Haggis' original screenplay is basically a set- up. A modern day parable about race relations in and around L.A. fails to be convincing drama due to Haggis having his characters make rants and speeches in a storyline full of unbelievable coincidences. I will concede that there is a certain fascination in watching the dramatic proceedings due to the utter phoniness of the plot. As the film winds up its several story strands it becomes more laughable than moving. "Crash" belongs in Oscar's Hall Of Shame.
This movie explores the issues that we as a society face everyday. Race issues are a big part of our culture and how people deal with those issues depends on the person. This film would be excellent for an ethics class in college. As a college student I feel this movie would benefit students taking such a class. Wonderful and moving. Five stars!!
I have lost all respect for the Oscars now that "Crash" has won for best picture. "Brokeback Mountain" was a BILLION times better than "Crash". Yes, the subject matter of "Crash"-racism- is important, however, as a film it is terrible. The subject matter of "Brokeback Mountain"- homosexuality- is also very important, but was dealt with using great directing, writing, and acting. The movie "Crash" is annoying, boring, and miserable. The many intertwining stories leave for characters with little development, and little required acting: the ONLY emotion characters may express is anger and even then, only a few actors express it. After hearing so many good reviews about it, I thought I should see it. I kept watching hoping that it would get better. It never did. I kept looking at the timer on the DVD player to see how much longer I had to watch before "Crash" was finally over. This movie is just as lame, uninteresting and worthless as hundreds of other movies. Roger Ebert thought Matt Dillon was Oscar worthy for his performance as a racist cop because his character is "redeemed" during the movie when we find out he is taking care of his sick father. How does the cop's caring for his father redeem his character for his extreme racism or his molesting of a woman? "Brokeback Mountain" is a beautiful and intense movie that requires a great deal of emotion from all of its actors, and the actors do a marvelous job expressing their characters and connecting with the audience. I felt no connection with the people from "Crash". When I heard that "Crash" was "gaining steam" in the Oscar race, I thought it had to be a joke, and hearing that it was the main competition for "Brokeback" made me wonder how terrible were the three other nominated films? I have no idea what happened at the Oscars- either the Academy gave into the peer pressure of Roger Ebert, or it may have believed what should have been ridiculous jokes of "Crash" "gaining steam" in the Oscar race, or the Academy is made up of people who worked on and starred in "Crash". "Brokeback Mountain" was the Best Picture of 2005 and no one can take that away. Thankfully "Brokeback Mountain" was acknowledged as Best Picture of the Year by every other major award ceremony and a dozen smaller ones.
this movie was one of the greatest movies that I have seen to date. This movie started off on the right note and the ending was so shocking!! I t can be a real tear joker.
I was really surprised after I saw this movie in theaters. I really had no clue what this movie was about when I went to see it, but I was so glad I went and saw it. The cast is filled with great actors and the storyline is very entertaining. One of my favorite movies of all time!
...but what I did like about the film was the demonstration of the failure of communication in our society today. So many bad things come as a result of the wrong interpretation of what someone says or does which does lead to racism and prejudice sometimes. People still have problems with seeing others as they truly are despite their color and/or their culture. Listen and seek the truth - don't make up your own truths because they could be wrong.
Crash should be shown to every high school kid in America. It is thought provoking, and it goes behind the reasons why people think and behave the way they do. Most of us only see a very limited view of people we encounter on a limited basis- waiters, policemen, cashiers, etc. It's easy to form judgments about them in a knee-jerk fashion without stopping to consider that there is a story behind this person's behaviors. Crash demonstrates the stories behind the characters' behaviors. This is one that will change your perspective about people and relationships. I not only suggest you watch it; I suggest you buy it and watch it periodically.
A large and star-studded cast made Crash not just a must-see, but the best picture of the year. Whatever you do, don't miss it. Oprah was right when she said it should be in every single DVD collection.
While I can somewhat understand why this movie may not appeal to some people, I was moved to tears at several points. Truth be told, very few movies have done that (maybe one or two). Crash is a bold movie that takes snippets out of the lives of everyday people: people we can relate to, our neighbors, our parents, our brothers or sister, our daughters, or even ourselves.
As the headline says, "Why is this movie so hated?" In my eyes, any movie that leaves me thinking, let alone questioning myself, has greatly succeeded. I think this is a great third-person perspective of multiple types of racism, as where a lot of films capture a one-sided racism, where one race is victimized. My only complaint to date is Brendan Fraser being listen on the cover, when he is in the movie for about 10 minutes total.
Definitely not better than The Constant Gardner. Good rental, not a good Oscar pick. Too many stories going on to fully develop any of them to the point where you really cared. The acting was just ok...I was expecting more.
For people that don't like the movie, you guys don't understand the concept of the movie. The purpose of this movie is to show us the audience how mess up some people are in this world.What i like about this movie is that it opens our eyes and let out the truth among us.If anyone didn't like the movie, my advice is for you to watch it over and try to understand the purpose of this film.
This is without one of the best dramas of all time, this movie moved me. Ive never been so attached or drawn into a movie as I was with this one. There are so many good things I could say about this movie, that I am almost speachless....I strongly recomend this movie to everyone, even if you dont end up liking it, its worth seeing.
Highly recommended! Interesting twists and relationships between all the characters. Makes you think while being very entertaining.
This movie has it all-- drama, conflict, action, you name it. Wonderful script and a powerful movie. Highly recommended.
I saw CRASH the week it opened. There were, I thought, some powerful moments. Certainly there were some good performances (Ms. Newton, Mr. Howard, Mr. Dillon). However, later, after thinking about the film (not possible to do whilst watching it -- each scene is an incessant and pontificating barrage proclaiming the same conflict ad nauseum), I realized how it didn't measure up to be what it was pretending to be. And what was it pretending to be? Why, a film that deals honestly with racism. How does it fail in accomplishing this? Point blank: Stating said conflict without pause is not the same thing as "investigating" the conflict. We are expected to believe that the characters in this film are "real" and "human." Yet what we have are not characters, but stereotypes. Nothing new, really films (books, plays, etc.) have often used stereotypes to tell their stories. What's interesting, however, is when the writer(s) dares to "dismantle" said stereotypes to show the human beings within. This film made no attempt. (NOTE: Having good people do bad things and vice versa is neither illuminating nor deep -- it's sloppy). The film begins as harsh and shocking. It "pretends" to take on tough issues. But, sure enough, by Act Three, the writer(s) commence tying up the storylines with neat little bows. Of course, just in case we're not aware that we're witnessing epiphanies (all too pat and cloying two couples who fight in every scene of the film they're together suddenly make the obligatory phone calls to say, "I love you" -- Please! Go yank someone else's chain!), there's a saccharine song playing called "In the Deep" in the background ("In the Trite" would have been a more apt title). And the dialogue. These are "believable" characters? They find themselves in traumatic situations and yet all deliver perfectly polished speeches. In fact, it's not so much the "characters" delivering the speeches as it is the writer(s) being too lazy and too literal. Want to see a film in which the characters speak as people do in such situations? It's called "Magnolia." Nothing polished or pedantic there -- just human beings trying to communicate. Some manage others don't. Like life as it truly is, no? And as for "dealing" with the racism? It's interesting to hear what Asian-Americans are saying about this film. And African-Americans. And Middle Easterners. And the people of Los Angeles themselves. If one watches the film again, and really thinks about this, he or she will see quite easily why a lot of people are disgusted with this film. It doesn't disclose racism it reinforces it. As well, it deals with "racism" in the broadest of strokes, harkening to turgid ideals thirty years old. No mention of the more insidious nature of racism here. Forbid it! Every character has to proclaim his or her stance with all the subtlety of a placard and a bullhorn. How wonderful it would be if there were a film that takes place in a single day, in a specific milieu, has a multi-ethnic cast of characters, and deals with "racism." Oh, wait. It is wonderful, for there is such a film: it's called "Do the Right Thing." It was written and directed by Mr. Spike Lee, released in 1989. The wonderful thing about Mr. Lee's film? It actually allows the characters to be human. It doesn't smack you in the face relentlessly. It doesn't reach Act Three and suddenly backtrack and spew a sickening montage that will allow you to feel more comfortable when you leave the theater. It is a hopeful film, but even more important, it is a realistic one. It's unfortunate, however, that this year's winner for best picture (pathetic) shamelessly steals from Mr. Lee's far better, superior, and honest film (which received nominations for Supporting Actor and Screenplay, though neither won). I wanted to like "


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There are some simple things you can do to enhance your learning, improve your skills and get the most out of your tertiary studies.
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Right from the start, you should be honest and open with yourself regarding what you have agreed to do in each of your courses.
- Read your course outline and course materials carefully, as this will help you to understand what is expected of you.
- Your course outline contains details of the weekly lectures, tutorials, readings and activities.
- All the important course dates and assessment information are also included.
- Take a moment to consider exactly how busy you will be in each of your courses.
Plan to be busy
A little time management, applied early, can help reduce stress and avoid the pressure of deadlines.
- Mark assessment due dates on a study calendar.
- Mark 'start work' dates for these assessment pieces on the same calendar.
- Mark unavoidable personal commitments on the same calendar.
- Check the calendar on a daily basis, to remind yourself of how well you are tracking through the semester.
Read early and often
A little preparation can help you get a whole lot more from your lectures.
- Take fifteen minutes to pre-read some of the recommended readings before the lecture.
- Skim and scan the text and jot down concepts and ideas.
- Pay extra attention to diagrams and graphs.
- Skim the lecture notes before the lecture.
- Review your lecture notes from the previous week.
- This will get your mind back into the right space before engaging with this week's activities.
- Remember to read the rest of the expected readings as soon as you can after the related lecture. This Youtube video may help.
Listen actively during lectures
You will maximise the return on time invested in lectures by being fully engaged in the communication process.
- Arrive early, and claim the best seat in the house.
- Engage with the topic.
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- Seek clarification for things that do not make sense.
- Ask questions!
- Associate new ideas and concepts with what you already know.
- Use quiet moments to annotate your notes with 'things to ask about later' at tutorials.
- Be tolerant of different delivery styles.
Revisit the scene
We will forget 40-50% of what we heard in a lecture within 24 hours, unless we actively revisit our notes, or the lecture itself.
- Review and summarise your notes.
- Add to your notes from your text if you missed any points.
- Talk to someone about the lecture.
- Identify areas of content that you do not understand and seek help or conduct further study to clarify.
- Recite the main points.
- Write a summary of your notes.
Participate in tutorials
Tutorials are the ideal opportunity for you to get involved with your course and with fellow students. Often, a fresh perspective from a fellow student can clarify your understanding of a difficult concept.
- Prepare by completing the prescribed readings and assigned tasks.
- Turn up with a positive attitude towards the course.
- Listen attentively to what is being said.
- Show interest in what others have to say.
- Contribute to the discussion.
- Take notes during your tutorials.
Ask for help if you need it
If you experience difficulties, do not be afraid to speak up. Questions, feedback and discussion are all important parts of the learning process. Ask a friend or another student for advice, speak with your tutor or lecturer, or contact an academic skills adviser and arrange for a free consultation.
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|£ 7,972
|Share Capital Allotted Called Up Paid
|£ 12
|Number Shares Allotted
|£ 12
|Tangible Fixed Assets Additions
|£ 671
|Tangible Fixed Assets Cost Or Valuation
|£ 58,444
|Tangible Fixed Assets Depreciation Charged In Period
|£ 1,625
Information about the Private Limited Company JAMES HEAGERTY LIMITED has been prepared for information purposes only. It is not intended to be nor does it constitute legal advice. This is public information provided by the official company register.


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Tag: cheddar bratwurst
Meat: The Perfect Father's Day Gift
Dads are notoriously tough to shop for, but the day I started sending mine packs of Schaller & Weber meats, I never experienced pre-Father's Day anxiety again. The Bacon. Is the greatest gift that any father could ever ask for or hope to receive. Except, I guess, fatherhood. But every so often, every dad needs a respite from his brood of screaming or money-beseeching children, and that moment of peace can absolutely be found in a bite of our
Summer, a.k.a. Grilling Season
Summer is now finally (almost) upon us, and that means one thing: grilling season. Luckily, Schaller & Weber sausages are now available for purchase online, including our newest Veal Bratwurst and Chorizo, not to mention the always-favorite Cheddar Bratwurst, original Bratwurst, and Frankfurters.
Morgane Restaurant & Bar
Around this time of year, as opportunities for dining outdoors gradually dwindle, we find ourselves with a hankering for restaurants with enclosed, heated, backyard gardens–and, of course, sausage.
Shacktoberfest Is Coming Soon!
Shacktoberfest is that special time of year when friends and family come together under the bright city lights for an unforgettable meal, ein prosit or two, and, to top it off, incredible custards blended with traditional German flavors (last year's German Chocolate Concrete: are you kidding me??).


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When you retire from the U.S. Navy, you may occasionally want throw the cat into the pool to simulate a man-overboard drill, or you may gripe because your beloved doesn't "have the galley stowed for sea" as your life and daily routines change. When your retirement is based on years of service, knowing exactly when to retire depends on your Navy specialty, your Navy pay, your retirement date and your health-care options.
Your Specialty
Before you make the decision to ship out one more time or to swallow the anchor -- re-enlist or retire -- you need to start planning your next step. Use your specialty as the starting point for your civilian life. Every government department publishes its personnel needs or application process on its website. For example, if your Navy career was spent in the ship's deck departments and you loved sea duty but didn't care for shore duty, you can continue to go to sea as a civil-service mariner with the Navy's Military Sealift Command (MSC). The MSC publishes its personnel needs on the MSC website. Some government-operated websites, such as USAJobs.com, provide tools to link your specialty to civil-service occupations.
Your Pay
If you joined the Navy after August 1986, you face a choice of three retirement programs when you reach your 15th anniversary of service. With the "final pay" retirement plan, your retirement will equal 50 percent of your last month's pay. Each additional year of service adds 2.5 percent to your retirement pay. If you stay in for 30 years, that equals 75 percent of your base pay. The "high 36" program is essentially the same, but it's based on the highest pay you earned in any 36 months of service, rather than your last check. With the CSB Redux plan, you receive 50 percent of your base pay if you retire at 20 years, plus 3.5 percent for every year of service thereafter. Thirty years of service equals 85 percent of your base pay.
This makes searching for a job in your final months and the timing of your retirement important. As you near the end of your career, you face alternating tours of sea duty and shore duty, each 36 months long. If you use your last tour of shore duty to find a suitable job, you can retire at the end of that tour and walk directly into a civilian job, a move that will ease the transition for you and your family. Also, if you remain in the Navy for more than six months after your retirement date, you gain an extra year of service toward your retirement pay. For example, say you retire with 20 years of service on June 1 but wait until Jan. 2 of the following year to leave. Under that scenario, your retirement pay would be based on 21 years of service -- more than 20, but not more than 21 -- instead of 20.
Health care
Consider the health of your family when you begin to think about retiring from the Navy. The biggest change you'll face after retirement is that your medical care will have a cost attached. After you retire, you and your family are transferred to TRICARE, the federal medical plan for military retirees and their dependents. TRICARE has three levels. TRICARE Prime provides care at military facilities for no cost. TRICARE extra is slightly more expensive, with 15 percent co-pays. TRICARE Standard has limits on the care provided and a 20 percent co-pay. Before you decide to retire, compare the cost of TRICARE benefits against the cost of insurance available through a civilian employer, especially if your family's medical needs are atypical.
Photo Credits
- Win McNamee/Getty Images News/Getty Images


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Chicken Fajitas with Mushrooms
These easy chicken fajitas are loaded with sautéed mushrooms. For added flavor, swap out traditional button mushrooms for heartier varieties such as portobellos or shiitakes.
- Total Time:
- Servings: 4
- 1/4 cup vegetable oil, divided
- 3 medium cloves garlic, minced
- 1/4 teaspoon kosher or sea salt, plus more for seasoning
- 1/2 teaspoon chile powder
- 1/4 teaspoon ground cumin
- 1/4 teaspoon paprika
- 1/4 teaspoon sugar
- 2 teaspoons fresh lime juice
- 1 pound boneless, skinless chicken breasts, sliced in strips
- 1 medium onion, sliced
- 1 large bell pepper, seeded and sliced
- 8 ounces mushrooms, sliced
- Fresh cracked black pepper
- Flour or corn tortillas, for serving
- Shredded cheese and sour cream, for serving (optional)
- Chopped avocado, chopped cilantro and salsa or chopped tomatoes, for serving (optional)
How to make this recipe
In a small bowl, whisk together 3 tablespoons of vegetable oil with the garlic, salt, chile powder, ground cumin, paprika, sugar and fresh lime juice. Set aside.
Heat a large skillet over medium-high heat. Add the oil and then stir in the chicken. Cook for 2 minutes or until the chicken is lightly browned. Stir in the onion, bell pepper and mushrooms and cook with the chicken for 3 to 5 minutes or until the vegetables are tender.
Stir in the spice mixture and cook for another 2 minutes or until everything is well combined and heated through. Season with salt and pepper to taste. Serve with tortillas and optional toppings.


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We bring Scandinavian Design to you
Monday - Friday: 8:00 - 16.00 (CET)
The stylish Lavendel ring in the color lapiz is designed by the Swedish jewelry designer Annica Vallin. The ring is made of sterling silver with a lovely blue stone framed in shiny brass. The ring is perfect to give away as a gift and can also be combined with other fine pieces from the Lavendel collection! Choose between different sizes.
Annica Vallin
Annica Vallin


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New York 1579; 1930s; Waist with inset vest, attached collar,long or short sleeves. Attached four piecce skirt forming plait at centre front and back, removable belt.
Links to reviews/blog postsEdit
Add a photo to the gallery by clicking the "modify" button below.
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DIL DIL PAKISTAN by Vital Signs MP3
One of my favourites and an ALL-TIME classic: DIL DIL PAKISTAN :) Sung by Vital Signs.
Junaid Jamshed/ Dil dil pakistan jaan jaan pakistan - Milli Naghma/ From Ptv Show MP3
Singer: Junaid Jamsheid.
Dil Dil Pakistan Askaria Public School System mille naghme pakistan MP3
APS SYSTEM offers a world class education to young kids with the ability to excel, regardless of their economic circumstances.
Dil Se Maine Dekha Pakistan (The Best National Song) MP3
Dil Se Maine Dekha Pakistan (The Best National Song) (+92_321_6580933)
Pakistani National Songs Collection - [Milli Naghmay] Various Artists. MP3
Pakistani National Songs Collection. 1:[Khushboo ne cheh ra saaz to jaise dharti jaag uthi - Mehnaz] 2:[Yeh des mera des - A.Nayyar] 3:[Ik jazbe bahami ki yeh ...
Dard Karaara - Full Song - Dum Laga Ke Haisha MP3
Prem and Sandhya indulge in some fun filled love moments. Enjoy the sweet love of pain with this song 'Dard Karara'! Release Date: 27 February, 2015 ▻ Buy ...
Phir Bhi Dil Hai Hindustani - Title Song _ Shahrukh Khan _.mp4 MP3
Its My Old Channel Subscribe . subscribe my new channel For latest Update http://www.youtube.com/channel/UCCwJtlqiPeKWWWNX5VmI1kA ...
Bang Bang Title Track - Full Video | BANG BANG! | Hrithik Roshan & Katrina Kaif | HD MP3
Presenting the full video of 'Bang Bang Title Track' from the movie BANG BANG! starring Hrithik Roshan and Katrina Kaif directed by Siddharth Anand.
Milli Naghma - Mera Dil Hai Pakistan Meri Jaan Hai Pakistan MP3
One of my favourite Milli Naghma of its time.
Alif Allah, Jugni, Arif Lohar & Meesha MP3
Produced by Rohail Hyatt. https://www.facebook.com/rohail.hyatt.public.
Dard Karaara - Song - Dum Laga Ke Haisha - Ayushmann Khurrana | Bhumi Pednekar MP3
Release Date: 27 February, 2015 ▻ Buy from iTunes - http://goo.gl/AYWc4Y Watch Full Movie: ▻ Google Play - https://goo.gl/9WDmLT ▻ YouTube ...
Junoon - Chand Sitara MP3
www.junoon.com This is only the second time Shoaib Mansoor has written a Tarana. The first Tarana he wrote was "Dil Dil Pakistan". Credits: Words: Shoaib ...
Tere Bina Dil Na Lagay (Fakhir) MP3
Tere Bina Dil Na Lagay Pakistan Fakhir.
Recall Of Pakistan (1st National Mashup Mix) DJ DK AAZEE MP3
Hi, Guys ... ! This is Exclusive Remix after a long wait of my fans. But I hope you must be like ma upcoming work out this is the promo of my upcoming national ...
Dil Tote Tote Ho Gaya [Full Song] Bichhoo MP3
Song - Dil Tote Tote Ho Gaya Film - Bichhoo Singer - Shweta Shetty, Hansraj Han Lyricist - Sameer Music Director - Anand Raj Anand Artist - Bobby Deol, Rani ...
Hits Of Amitabh Bachchan | Kabhi Kabhi Mere Dil Mein | Superhit Song Collection | Big B Hits | Vol 1 MP3
Tracks: 1. O Saathi Re 00:00 Movie: Muqaddar Ka Sikandar Singer : Kishore Kumar 2. Rimjhim Gire Sawan 04:33 Movie: Manzil Singer : Kishore KUmar 3.
Tadap Tadap Ke (Eng Sub) [Full Song] (HQ) With Lyrics - Hum Dil De Chuke Sanam MP3
English Subtitles Singers: KK, Dominique Music: Ismail Darbar Movie: Hum Dil De Chuke Sanam (1999) Starring: Salman Khan, Ajay Devgn, Aishwarya Rai
PAF Song - Tum hi sai aai Mujahido by Alamgir MP3
Pakistan Air Force song by Alamgir Provided as fair use: Its a national song and for information uses only. (~~~ Not directed by Praizor ~~~)
Hum Zinda Quam Hain Painda Quam Hain MP3
Happy Independence Day to All Pakistan What a great Mili Naghama, Sweet voices Tehseen Jawed, Amjad Hussain, Benjamin Sisters and Fatima Jaffery.
Dil De Buhay Khol dey By Pastor Francis Feroz Christian Song / Masihi Geet MP3
A Beautiful Christian Song / Masihi Geet "Dil De Bohay Khol dey Yasu aana chanda aye" By Pastor Francis Feroz.
Ae jazba e dil Nayyara noor MP3
Ae jazba e dil Nayyara noor.
Atif Aslam New mili nagma song pakistani Youtube MP3
This Is a song about the Pakistan 14th august Celebration Happiness With Family This Video is Uploaded by http://agamingmatrix.blogspot.com atif aslam songs ...
Dil Se Maine Dekha Pakistan HD by PSA-UDE MP3
Thanks for watching Pakistan Students Association University of Duisburg-Essen http://www.psa-ude.com/
Dil Laganay Ki Hum Ko Milli Yeh Saza by Attaullah Khan Esakhelvi MP3
koi apna bana ke dagha de gia.
Dilli Wali Girlfriend Full HD Video Song Yeh Jawaani Hai Deewani | Ranbir Kapoor, Deepika Padukone MP3
Presenting "Dilli Wali Girlfriend" full video song from "Yeh Jawaani Hai Deewani" starring Ranbir Kapoor & Deepika Padukone most anticipated movie of 2013 ...
Ab Tere Dil Mein To hum Aa Gaye [Full Video Song] (HD) With Lyrics - Aarzoo MP3
Singers: Kumar Sanu, Alka Yagnik Movie: Aarzoo (1999) Cast: Akshay Kumar, Madhuri Dixit, Saif Ali Khan ______ LYRICS ______ Ab Tere Dil Mein Hum ...
Allah ho Akbar OLD (Pakistani Mili Nagma) Normal Quality MP3
Uploaded by M.I.P. www.madeinpakistan.co.cc or direct link www.thegreatvideos.co.cc .A complete family entertainment website for you and your family.
Sise Ka D il Tha Mera Dil Toot Gaya Mera Pathar Ka Jama Na Tha MP3


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I am a caring kind and compassionate person. I am an extremely passionate person. I take time to open up. I am a bit shy in the beginning but if you take the time to get to know me I will become more open. I am very close to my family. I am a bit of a nerd and not ashamed of that. With me what yiu see is what you get. I am honest and speak my mind. I will not change for anyone. I love music, writing, cooking and dancing. I love languages and want to learn more. I speak Hebrew, English, Spanish and ASL (American Sign Language). I am mix of American and Israeli. If there is something you want to know about me just ask.
Favorite movie is The Crow, the original with Brandon Lee. It is not your typical favorite film but I love it. I love Rocky Horror Picture Show and Rent. I would say that I love musicals. I love horror Films. The only kind of movies I do not like are stupid comedies.
Favorite Shows, NCIS, Law and Order SVU, CSI and anything on the food network.
My taste is music is very diverse and I will say that I love all music.
I am willing to try anything food wise as long as it does not involve Pineapple, unfortunately I am allergic.


text: One of my members has requested something like this, and I think it's a great idea. Willing to pay mod coder if required too. At present, the "What's New" (example) doesn't sort the new stuff very well. Working on the idea of the Member List Manager Add-on, I'm thinking it could be made similar to that in that you can pick how/what it displays: Options chooseable: Default (what it does on default, all recent threads including those that haven't been updated since last visit) New replies & posts past 24 hours New replies & posts past X amount of days (with x amount choosable by the viewer, max 7 days)


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Anthony Scaramucci said he wants Sarah Sanders 'to continue to...
He brought Burundi's first robotics team to the US to inspire...
Police: Woman gang raped in East Oakland, 7 suspects at large
Hilary Duff burglarized after Instagram vacation posts
Body found in Tomales Bay IDed as oyster company owner
Now Draymond Green is feuding with Conor McGregor on Instagram
12 unsolved Bay Area mysteries you've never heard of
140 years ago, San Francisco was set ablaze during the city's...
9 die in immigrant-smuggling attempt in sweltering truck
This presidency can't be saved. It's all downhill from here.
Monthly Archive for July, 2011
Indie Cine Shack at Amnesia
Get to Amnesia early this Saturday evening for an awesome happy hour film festival and music event. <img alt="David Starlightphoto: Alejandro Juarez" …
The She's at Cafe du Nord
The She's are an excellent bubblegum, garage rock band. This quartet of ladies will bring a smile to your face. Groovy guitar riffs and catchy songs will have you singing along after a few listens. …
Metallica at the Fillmore for $6
This is an early warning, Metallica is performing four shows at the Fillmore, December 5th, 7th, 9th and 10th for $6 per show or $19.81 for all four shows. But, there's a catch, you need to be a …
Local Shows – Bam Bam, Professor Burns and the Lilac Field, Hank IV
Bam Bam, Saturday at Hemlock Tavern. 9:30 p.m. $7. Bam Bam slams into the Hemlock with sweet cuddly vocals from Chloe and heavy distorted guitars from the band. There's a lo-fi vibe to their music. …
Quiet Lightning – Dark Poetry, Pretty Flowers
The monthly reading series, Quiet Lightning, is taking over the Conservatory of Flowers in Golden Gate Park on Monday at 7:30 p.m. This is another in a dammit, why didn't I think of that, adventures. …
Total Trash Fest 3 at Thee Parkside with Apache
Total Trash Fest kicked off earlier this evening at The Knockout and tears full speed ahead to Thee Parkside for matinee and night shows this weekend. Friday it's the return Stinky's Peepshow, along …
The Gypsy Moonlight Band
The Gypsy Moonlight Band grooves a sweet alt-country sound. If you're feeling down, they'll reset your soul and heal your ailments. <img alt="The Gypsy Moonlight Bandphoto: Riki Feldmann" …
Local Shows – The Barfeeders, Glitter Wizard, Uni & Her Ukelele and more.
The Barfeeders, Sunday at the Knockout. 4:30 p.m. $7. The Barfeeders have a way of bringing happy mayhem to every show and their punk rock is so much fun, there's no way to not fully participate in …
Jeffrey Luck Lucas – The Must See Friday Gig
Rolling Stone compared Jeffrey Luck Lucas to Tom Waits and Mick Harvey. I feel like he's more Mick Harvey if Mick Harvey's soul was darker. <img alt="Jeffrey Luck Lucasphoto: Nikki Pratchios" …
Live Evil – Ditch Work on Thursday
Walk Out To Rock Out is the all day music event you've been waiting for. Live Evil is the band and they rock…..like in a Motley Crue and early Van Halen kind of way. Do you want to hang with the …


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Iron Hide
Rank 0/?
45 points spent in this line
No Description.
Description in game: Absorbs all the damage done by the next attack against the bear shaman.
Cast time: 0.5s
Duration: 15s
Cooldown: 90s
Unconfirmed: Iron Hide is a 20000 damage absorbtion shield that goes away after the damage is absorbed or 15seconds whichever happens 1st.
As at June 2008 this feat is bugged and can make you a "living corpse", requiring reloading the game.


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NXTGEN FUTURE HOSPITALITY & INFRASERVE PVT LTD Phase 1
Call us 1800-300-2400-1 (Toll Free) and Get additional Discount upto 50% for this Hotel.
Per Room Per Night
Lowest Price Guarantee
You are getting lowest possible rate for this hotel
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About NXTGEN FUTURE HOSPITALITY & INFRASERVE PVT LTD Phase 1
NXTGEN FUTURE HOSPITALITY INFRASERVE PVT LTD Phase 1 offers a comfortable stay. 24-hour front desk for assistance, efficient laundry service and many such basic facilities are available at this budget property. Complimentary parking of vehicles is also available for guests. They are sure to enjoy their stay here.
Checkin Time: 1200 pm
Checkout Time: 1200 pm
Hotel Information and Amenities
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Hotel Amenities
- Front Desk
- Laundry Facilities
- Parking
- Room Service
- Luggage Storage
- Restaurant
- Medical Services
- Attached Bathroom
- H/C Running Water
- Premium TV Channels
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Hotel Location


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After another turn in major league camp in 2006, Suzuki headed to Double-A Midland, where he continued to shine offensively. The most notable aspect of his 2006 campaign, however, was the significant improvement he made on defense. Suzuki was among the Texas League leaders in every defensive category for catchers and he cut down his passed ball totals by more than half.
"These past couple of off-seasons, I have mainly focused on my defense. Knowing that the offense would come along, I have really had a defense-first mentality and it's really helped."
Suzuki has always had a patient approach at the plate and that didn't change when he made the difficult leap from High-A to Double-A. He even improved his plate discipline while he was in Midland. For the first time in his career, he walked more than he struck out (58 walks to 55 strikeouts). Suzuki posted a .392 OBP while often batting in the first or second slot in the order for the Midland Rockhounds.
During the final month of the 2006 season, Suzuki left the Rockhounds to join Team USA in the Olympic qualifying tournament. He helped lead the Stars-and-Stripes back into the Olympic tournament by batting .417 in the tournament and belting a walk-off homerun against Brazil.
"You are playing against the best in the world. It was a great experience. I got to play with a lot of guys from different organizations and I learned a lot from them too," Suzuki said.
Suzuki points to his time in big league camp over the past three seasons as one of the reasons for his improvement each year of his minor league career.
"I was honored to be asked to participate in camp with the major league club and I have just tried to learn as much as I can. Like I have the last few years in major league camp, I was just trying to be a sponge and absorb as much as possible [this year]," Suzuki said.
This spring, Suzuki had the opportunity to pick the brain of a future Hall of Famer in Piazza and he took full advantage of the opportunity.
"[Piazza] is a great guy. He is always willing to teach and to give information to try to get you better. He knows that I am a young guy and that I'm trying to learn and he is always willing to give information to help you try to learn," Suzuki said.
One of the highlights of Suzuki's spring came in the final game of the spring schedule. In his last at-bat of the spring, Suzuki launched a long homerun to left off of San Francisco Giants' reliever Vinnie Chulk in front of the A's home crowd at McAfee Coliseum.
"It was an awesome feeling. It was just great to be able to participate. There was a lot of adrenaline running through me [after the homer]," Suzuki said.
Moving up a level for the third consecutive season, Suzuki is ready to tackle the next step in his development towards becoming a major league regular.
"[My goal] is just to keep improving. I think everyone in this game can keep improving and, for me, just improving in all aspects of the game is what I am looking to do," Suzuki said.
With Kendall eligible for free agency after this season, Suzuki's time in Oakland may be fast approaching.
"I'm just trying to get myself ready to the point that the upper brass knows that I am ready to jump in any time they need me to."


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We summarise our pilot neutering and anti-rabies vaccination efforts in Nepal's Himalaya and announce our plans for the future.
We summarise our pilot neutering and anti-rabies vaccination efforts in Nepal's Himalaya and announce our plans for the future.
Our first camp is over but we have begun planning for 2015. We launch our second campaign to make sure we have all the funds we need to keep doing our work for the Himalaya.
Our fund raising campaign held between Feb-Apr 2014 raised only SG$7,700 of the US$11,000 we needed to make this camp happen. We reached into our personal funds to make up for the shortfall. We've no regrets and were still thoroughly thrilled with the outcome. We are glad we pushed ahead and succeeded! One of the reasons we didn't manage to raise as much funds as we needed, was because of time. We wanted to get started as soon as possible because the villagers were ready for it, and we only have a short window every year to carry out such an expedition as harsh monsoon and winters meant it would be inconvenient if not impossible to make such a journey any other time of the year.
It was incredible that we managed to raise a bulk of the money in a mere four months! We are grateful to all our backers for supporting our work and believing in us. We don't want our work to be impaired by a lack of funds, that is why we are getting a head start this year and preparing for 2015 a good year in advance!
Our present campaign runs until 31 July 2014. The funds raised from this campaign will help us offset the costs from 2014, as well as help us prepare us to return to Manang District in Nepal Himalaya in 2015. Our plan is to neuter and vaccinate an estimated 200 dogs in Manang district. A sustained effort is what will make a difference for the dogs and communities.
The Himalayan Mutt Project is raising funds for our 2017 neutering and anti-rabies vaccination camp in Nepal Himalaya. DONATE today!
Our first Pozible fundraiser ran for three months from January 2014, and gave us the crucial support we needed to make this unprecedented journey into the Himalayas possible. We didn't know if we'd make it, but you showed us that you wanted us to succeed. We're deeply encouraged and honoured by the outpouring of love and support . Thank you to our supporters, volunteers and partners for the hard work and effort you put in to bringing this to life!


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Drupal Coworking Day #13
Third Door (Workhub & Nursery)
Friday, 6 September 2013 from 09:00 to 17:00 (CEST)
Who's Going
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Sara Haughty
San Francisco, California
San Francisco, California
Luke Picard
London, United Kingdom
London, United Kingdom
Rick Vespucio
Florence, Italy
Florence, Italy
Event Details
Drupal Coworking Day
Third Door (Workhub & Nursery)
You don't have to be from South-West London to come join us! You don't even have to be from London! Or anywhere! What's important is that you know (some) Drupal and want to work with other professionals in a really nice co-working space for a day.It's free, and as Third Door will be celebrating their 3rd Birthday, they'll be Cake (as well as the usual pastries and supply of tea and coffee) So what are you waiting for? Sign up and join our 9th Drupal Co-working day. So what is a Drupal co-working day? Essentially, it's a chance for Drupal professionals to work alongside each other for the day. Drupal co-working days take place all over the world on the last Friday of each month.
About Drupal Coworking Friday:Proposed date: First Friday of each month It takes place in your local city Anyone can start/host one and it's focused on Drupal Professionals (freelance, fulltime, part time, in office, home, etc.) This is not a meetup, code-sprint, BoF or presentation Attendees would still do their regular work/calls/etc Other Drupal folks would be there to talk to, collaborate, advise (and likewise for the attendee). An entire section of the space (either a full desk or the meeting room) will be dedicated for Drupal professionals See http://groups.drupal.org/node/195983 for the Drupal Coworking Friday FAQ and the Coworking group at http://groups.drupal.org/coworking for general information about coworking. Just bring your laptop, your business cards or whatever else you need.
Do you have questions about Drupal Coworking Day #13? Contact Third Door (Workhub & Nursery)
When & Where
Third Door (Workhub & Nursery)
16 Point Pleasant
SW18 1GG London
United Kingdom
Friday, 6 September 2013 from 09:00 to 17:00 (CEST)
Add to my calendar
Third Door (Workhub & Nursery)
Third Door is the UK's first coworking space with an onsite Ofsted nursery based in South West London.
Our aim is to help work and family to grow together.
Drupal Coworking Day #13
Things to do in London


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Incl. VAT within the EU, plus shipping costs
A slim fit with a regular waist and from the knee down a slightly flared leg. Tightly woven with high quality spandex for a soft to touch, dense texture excellent comfort, best fit and shape recovery. Slightly curved back pockets underline the classic look. goodsociety trademark laserlogo, vegan backpatch. Buttons and rivets are made of up to 90% recycled materials. A 10,5 oz. blue denim fabric, Made in Italy, with finest organic cotton yarns. Tightly woven for a dense, soft texture and feel. The special weave using high quality spandex ensures best fit, elasticity and shape recovery. The warp is dyed with pure Indigo, without any use of sulfur.
Kyanos is an intense blue denim color with an authentic worn-out look and medium-light blue contrast. A treatment with the newest eco- friendly technologies, that saves about half of the water consumption and more than a quarter of energy. No chlorine, no potassium permanganate and no chlorofluorocarbon are used.


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Ask a Lawyer and Get Answers to Your Legal Questions
Hello I am a licensed attorney. I am here to help answer your questions. Please do not hesitate to ask for clarification
did you advise the trustee of the case?
no i never did, as the question as not come up, just asked if i had any money coming to me ie. inheritence things like that, in fact, i did not even think of it until i went home over the weekend as this case has been going on forever and no agreement were ever made or settlements offered
When you filed bankruptcy you should have advised the trustee, however even if you did not, your workers compensation award is protected under NY law specifically section §282.2(c) of New York's Debtor Creditor Law, which exempts benefits received as a result of "disability, illness or unemployment benefit."
should i go back and tell them this even if there isn't any gurantee it will happen anytime in the near future.
at this point, it would not matter,but it may be better to have your attorney send a letter or file an amendment to your petition,
since the award is protected it would not matter
so i would be protected weather i received the money during or after the discharge
thank you so very much for all of your help.


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Crater Trueblood is the third in Homer Hickam's Helium 3 series of novels, after "Crater" and "Crescent". The main character in all 3 novels is Crater, who, in the course of the story, transforms from a young man who works as a Moon-based miner to an owner of a search-and-rescue business who ends up saving the world. And in this case, "the World" means what remains of humans, who no longer live on Earth but on the Moon.
A young female protagonist, Maria, is an antagonist for part of the story, but it's fairly obvious from the get-go that she and Crater are meant to be. Other characters include Crater's brother and business partner, and then there are litle creatures called gillies, kind of like pets but who have minds of their own.
My son read the first Crater book at the age of 10, and now, at the age of 12, has completed the new one. This series is among the very few works of fiction being offered by Christian publishers these days in which the target audience is young pre-teen or early-teen boys. If you have a son in that age range who likes adventure, the Helium 3 series is well-written.
The publisher, Thomas Nelson, offered me a copy of this book in exchange for an honest review.


text: Mnemosyne are a special type of Folk that do not attack Ellen or Keats. They contain the memories of the dead, and are capable of assuming the form of a dead person and communicating with others as if they were still alive. After they can no longer maintain the form of the dead, they transform back into their snail-like appearance, and the memories can be viewed after they expand. Mnemosyne are very sensitive creatures, though, for if they recall a memory that frightens them, they start to shudder.


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To think that British people need to get better at winter?(279 Posts)
I have noticed lots of people worrying about the cold weather and their DC coming to harm due to eating/sleeping/playing outside.
I am confused as to why in a country that we all know has miserable weather for much
most of the year some children don't have clothing that enables them to spend time outside. The risk of vitamin D deficiency, the higher chance of getting ill when inside and childhood weight issues could all be made better if kids were encouraged to spend more time outside.
I know it isn't all families, I have just been supprised at the amount of people worrying about thier children being damaged by winter weather. It doesn't even get very cold in the UK, nothing a pair of breathable woolen thermal underwear and a good coat/all in one wouldn't solve.
I am British but I now live in Sweden, here the kids at daycare/school have to spend at least 2 hours outside by law, it doesn't matter if it is raining, snowing or -10 the kids are still out playing/eating/sleeping. The schools only shut due to weather when the temp drops below -40.
AIBU to think that we need to get better at winter, it does after all happen every year
for about 6 months
I have been trying to look into prams and see what the babies are wearing but I think I come across as some strange stalker staring at the kids. I know what older kids wear but not the tiny ones so much, only from what the in-laws have told me.
Last winter DS had one of these in his pram: 7am enfant le sac igloo (medium), and I also lined it with the lambskin that we always have in his pram. Then he wore indoor clothes, body, leggings etc, and one of these: P.o.P vindfleeceoverall. That was on the coldest days. Otherwise he had a warm jacket and indoor clothes inside the åkpåse.
And hat, velcro "scarf" etc. He's still with us, so obviously didn't freeze to death.
This season's dilemma is whether or not to invest in a new, bigger åkpåse; they are a hefty investment! Now he's walking he's got slushy boots etc and a proper snowsuit, so doesn't need a proper åkpåse and will get it grubby with his boots. But I don't want to have to faff with manoeuvering him into all that if we've just taking the pram from one indoors location to another. Hmmm...?
YANBU. I am one of those annoying people that spent some time studying in Canada and now is totally scathing about the English in cold weather
Have had to buy new shoes for DSS as he will insist that Toms and a cardi are good enough though. No DSS, they are not!
We got our åkpåse at a loppis, it was nearly new and cheap! It is hard to know what to do, you need 2 pushchairs
I bed your DS is really excited about the snow? It must be amazing for them to wake up and overnight their little world has turned white
Well my 8 month old has two all-in-one suits ready to wear. She's been in normal coat and trousers so far but her nose, hands and feet are starting to suffer so we're breaking it out!
By the way, one of those all in ones was bought in Tesco in a fetching pink colour when I visited my parents, if anyone was considering one for themselves. A bargain at a tenner (I think)
Your biggest commitment should be your shoes, imo. No fashion boots, ones with proper rugged soles, preferably with spikes. You can get some with withdrawable spikes too.
True, it depends on the thickness of overall/åkpåse! Ours is an ordinary one we bought in Belgium, so not super winter standard. Some of the other mums I know here had thicker ones. Others had their kids in outdoor overalls and used a thick blanket on the buggy. Maybe that's better if your DS will be getting in and out with muddy/wet boots. Just drape it over the top or sling it underneath when not being used?
I'm half yabu and Yanbu
I'm in the south and have no problem dressing and staying warm in winter. Only once in the last 10 years has the area been shut down for a couple of days. Never known everything to shut down for a thin layer of snow. We noticed it was snowing, then I went for a walk an hour later and it was properly getting deep, the rush hour traffic ground to a halt during that time. People we skiing on the street 2 days later, unheard of.
A couple of years later an we went to Scotland, Glasgow and the surrounding area ground to a halt for days, southerner me had no problem driving through deep snow. Driving ability wasn't the issue. I was in deep snow on quiet roads, we all know what happens on very busy roads and one person breaks down then + snow to that, massive tailbacks will happen. Yes, my commute used to be on a motorway for an hour. It would not be unusual for hours of delay for feck all. I was stuck in the walking version today getting out of an event!
My children have been to 3 schools between them, they play out in the sun, rain and snow. They have snowball fights with the teachers. In very torrential rain they're allowed in.
My car has emergency food, down sleeping bag, snow boots, boot grips, self heating coffee cans
I am amazed about the gear I see some people out and about in. Soaking flats and no socks in rain or snow?! That's the point you reached the "stylish" point and kept going. I've lived in a few different countries, we go on holiday to a variety of places. It will be the Brits who tend to refuse to wear appropriate clothes for the weather, if you wear the right clothes for the terrain and weather it's easier to pull off stylish. Last year we were in Italy, the Italian wore sandals that stayed on their feet ;)
For people with no insulation in the UK there are LOADS of government grants available for insulation, and many are not means tested. In recent years my ILs (working, decent income) have had cavity wall insulation and loft insulation installed and paid for by a grant. The requirements to qualify for the grants were no cavity wall insulation and less than a certain depth of insulation in the loft. There really is no reason for anyone to have inadequate insulation in the UK. (And for families on low income Warmfront will even install central heating or replace boilers on a grant.)
We've just moved back to the UK from north east Germany. Over there it was fairly normal to have temperatures of -25/30 and knee deep snow for months on end.
Subsequently we are now owners of schnee stiefel (snowboots), various coats (Jack Wolfskin being the brand of choice - SO warm!) and hats, scarves, gloves to cobble dogs with. We also have a set of winter tyres for the car as they are a legal requirement over there. We will be putting them on in the next couple of weeks because, even though we're in the UK now, they are a bloody good idea. The increase in traction on snow or ice is amazing. We also have some serious snow shovels.
Where we lived it is the legal responsibility of every householder to clear a metre wide path to their front door and also to clear a metre wide path on the pavement for the length of their boundary (ours was long ). If someone slips on the pavement outside your house YOU as the householder get sued. It's actually a pretty good idea as all the pavements everywhere were clear.
I took my cues from our German neighbours when it came to clearing snow. They did it in the evening (in the dark!) and then put grit down. That way it didn't freeze when the temp dropped. Lots of Brits near us would clear it in the morning and it would be a swine to move as it was frozen solid. It used to take me an hour every evening to clear my drive and pavement, and we bought grit in 25kg sacks, not these daft little pots you get here. It wasn't fun whilst pregnant, but I was certainly warm enough!
I think when it gets to a certain level of cold you don't notice it as much any more. I remember de-snowing and de-icing the car one day, using my special de-snow the car brush (the stuff you can buy for winter is amazing!) and thinking hmm, I'm cold. I was in my work clothes, no coat - and when I checked the temp it was minus 14 .
Having lived in a very cold country (and also in very hot countries) I think many British people could do more to be prepared. It's only weather after all!
Just like to point out for those that know I'm married - DH wasn't just leaving me to shovel mountains of snow whilst pregnant, he was away for virtually my entire pregnancy, initially in the UK and then in Afghanistan - so I got to spend the winter shovelling snow and the summer shoving the lawnmower around our big garden, which wasn't fun at 7.5 months when it was 40 degrees.
I moved to the Northern United States and am now astonished when I come back home and people are
whinging complaining about it being -7. Try -30.
It's all about having the right kit. Got m'snowboots (which must be stylish as they always get compliments in Britain), got m'down duvet coat, got m'long johns, thermal vest, snow broom, good tyres, heavy duty snow shovel. Sorted. I don't live in a particularly energy efficient house, but, hey ho, energy is cheap here and we whack the heating up. God bless America.
Even the tiny tiny airport in my town works when there is snow - I am gobsmacked at Heathrow closing down the minute there is a sniff of snow.
I'm so glad to hear that my insistence at having the house at a constant 20 or 21 degrees isn't just me being a wimp, but instead me being foreign. I'm Dutch, my parents' house has the thermostat set to 21, so do all the other people I know there. There 21 is recommended for living spaces, 18 for bedrooms. It's not stuffy, and it doesn't cost the earth, I've seen my parents' energy bills and they're paying less to heat a sprawling detached house than I am to heat my two bed mid terrace. It's all in the insulation. In their house, you put the heating on, the house warms up, and holds the heat. In mine, it goes straight out - I ran an oil heater in the study last night because I was freezing. Got the place nice and toasty, turned it off - 40 minutes later the temperature had dropped 3 degrees. The pigeons in the back yard must be pretty cosy.
When I moved to the northern midwest snowbelt from Ireland I was amazed at how well prepared people were for the cold, whether snow or just biting cold and damp. I kept my homes there about 16-17 degrees but that was a lot warmer than outside, where it went down to -20ish regularly in the depth of winter, and about twice as warm as I was used to in Dublin where my family home was heated by two fireplaces when I lived there [bsad] (<--- = blue with cold). They were also prepared for the hot summers.
Well prepared doesn't have to mean expensive. I bought family snow gear from Walmart and it worked perfectly well and looked fine. Tbh, when the weather got really bad people didn't care how they looked and just got on with it. The city only shut down for storm of the century type events and the airport stayed open if at all possible.
YYY to shovelling snow in the evening and putting down salt to retard freezing overnight. People also used to put down salt when snow was forecast as it made it easier to lift shovel fulls of snow from the path if it didn't quite stick due to the salt. The day after whopping blizzards you could walk up and down the sidewalk because people dug themselves out and then shovelled. I kept two snow brushes in the car and sundry other emergency items.
That's better...
Oh yes, I agree. We lived in Canada for 5 years, been back home for 15 months now. We all have decent thermals, coats, snow boots etc, but I was taken back last week when I dropped my eldest two DCs at school on a bitterly cold morning only to find that they were the only ones with hats and gloves on, it was freezing. My car said the temp was -2 but it felt so much colder with the wind chill, I had my toddler in a snowsuit.
The school is a tiny village one
in the countryside and let's just say that it's not like the parents can't afford to kit their kids out in all weather gear, I just don't get it.
Reading some threads on here it just seems that some people want to keep their children inside from November to March just incase they get a little bit cold!
I'm going to Germany in a couple of weeks for four nights. As we are going to the Christmas markets we will be spending the majority of time outside so I'm packing plenty of thermals and layers. I'm finding it really hard though to find a decent warm coat.
Trouble is that our climate is fairly unique. It is a damp cold that seeps into your bones. I have waltzed around Moscow in -30C perfectly fine yet felt cold wearing the same coat and boots in the UK.
Then you have the fact that it isn't THAT cold for very long each year so it feels as though winter clothing is throwing money away. Plus ski jackets/other warm winter clothes are generally meant for snow that brushes off, they are not properly waterproof and cannot cope with the horrible wet slushy sleety snow we get here that penetrates the fabric.
Can anyone find anything that is seriously warm AND waterproof but actually affordable?
I do my best to combat it. I can't afford to spend £££ on coats each year, I buy everything I can second hand and I buy big so they get 2 or 3 years out of each coaat. My kids each have a set of thermals and a pair of wool welly socks. They each have snow boots from Lidl and they have waterproof trousers plus of course decent mittens and hats and scarves. Then they each have one big thick ski jacket type winter coat and each have a waterproof either with a fleece lining or a zip out fleece. But of course the fleece lined waterproofs are not warm enough for when it is freezing cold but the winter coats are no good if it is sleeting.
We go outside in all kinds of weather but it is bloody difficult to be set up for all eventualities here. Colder countries are easy in comparison because it is a dry cold so you just need thermals, decent boots and a warm coat.
I do agree though that we need to be better at dealing with snow and ice and keeping things moving, we need to realise that we as residents need to be responsible for our areas and not jsut expect the council to sort it all out for us. However, we have seen some pretty odd weather patterns in recent years and things have taken us all by surprise. We had some harsh winters followed by a couple of years of frequent flooding. It is odd, it is varied and it is hard to deal with. It has gone from councils being got at for not providing enough grit to councils being told they should have better organised flood defences. an they really win?
Some things need to change, I think grit bins need ot be kept full. I think neighbourhoods should lose the "someone else will do it" attitude and keep their streets gritted and snow free. I think people need to realise when it snows that you need to keep the snow round the car etc clear from the start rather than it start snowing on Friday night and then Monday morning complain the car is snowed in. I think that WRT the flooding drains need to be kept clear of leaves etc because in most areas I know of a lot of the surface water on roads was caused by leaves in teh drains (some residents were going round with sticks and jsut pushing the leaves off the surface of the grill and hey presto the flood vanished). However, in terms of people having the correct clothing etc don't be too smug and harsh, remember that winter clothing simply isn't designed for our climate.
no government grants anymore
thats all stopped because of this new policy which looks great on the surface but is in fact utter crap
A lot of the insulation grants were also 'mis-sold' and unsuitable. We kept getting the push from a particular firm to install cavity wall insulation.... Great but our house like most Victorian properties doesn't have a cavity wall. I am an architect and know just a 'tiny' bit about insulation and construction but this firm kept trying it on and insisting I could claim (which meant they would get payment from the government) for work that could never be done. I heard this on many occasion from people who had a run in with firms like these and I had to explain why these firms were being rather dodgy. It made a mockery of a scheme which could if managed properly have been a good idea.
I have to say that I notice a lot of people wandering around unfit for the weather here in England, I mean I am wrapped up with hat and scarf, and I see people wearing shorts with tights, and a cardigan instead of a jacket. At the school only last week one parent came in a sleeveless top???
I have two baskets at home, wet weather and cold weather, and make sure that the kids have appropriate attire for the weather. I don't have a lot of money, but to me being able to walk to and from school is important surely? I bought a couple of sizes big so that they have lasted me a few years and also wait for summer sales of winter products and special offers/new range making the older range cheaper. The teachers always comment on me having the stuff for them, and other parents look at me like I am a bit mad
They'd probably also laugh at the front pouch of my bag which has a first aid kit, paper and a pen, mini toiletries, tissues, spare change etc.
Rabbits I get looked at like I'm mad too when I dress for the weather. I showed up at a work do when it was pouring out wearing a long gortex raincoat with a serious hood. They all laughed at me until I fixed them with my gimlet eye and said 'Yeah well at least I'm warm and dry!', as they sat there shivering and soaked to the skin.
this is pretty shameless but since quite a few posters here reside in sweden i've made a thread for us if you are interested.
Yes, it is the damp cold here, that makes it feel colder as the damp gets through everything, even your skin. At + 6 here I felt colder outside than at -15 in Germany during the day , But once we had a whiplash wind coming from Siberia, and covered my face with a scarf, which was frozen solid in a few seconds from my breath - so I went back home. What a whimp my german dh thought, I,m sure.
And those wonderful german Tiled Ovens, my house was so hot had to open the windows at -18 outside in the afternoon. We had a very old house that had no cavity walls or insulation and single glazed windows, but a THATCHED ROOF
Checking the weather forecast is also a blindingly obvious thing to do, but I've known people who are stunned when there's a weather warning or a foot of snow dumped on us . In Dec 2009 I told my
cow of a boss I was leaving early one day as the MET office had a severe snow warning for Hampshire that afternoon and I had a 20 mile drive home, single parent and 2 kids to get from nursery, she was furious even though I was able to work remotely once I got back to my home town.
She got stuck in the snow on her way home later that day <<snurk>>. Her boss didn't get home until 4am <<evil cackle>>. The next day me and another collegue were single handedly keeping the dept going as we were walking distance of the remote office and everyone else was snowed in miles from head office.
DS's dad laughed when I gave him his rain hat and gave it back to me.
Fine, let the rain get in his eyes and deal with the moaning then, I have a lovely time walking back from school in the muckiest weather because they are protected and actually go stomping in puddles and enjoy themselves, instead of moaning about being wet and cold.
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Launch Date: November 30, 2010
Links: Website, Factsheet (pdf), Prospectus (pdf)
Investment Strategy:
HYLD is an actively-managed ETF that aims to generate high current income with capital appreciation being a secondary goal. The fund achieves this through investments in high yield debt securities which provide good yields on principal. The fund is sub-advised by Peritus Asset Management which takes a "value-based, active credit approach" to selecting investments in the high yield market. The managers intentionally avoid the new issue market and focus on finding opportunities in the secondary market. The managers also have the flexibility to utilize US Treasuries as a way to hedge the portfolio during times of market stress.
As of March 20th, the portfolio was very well diversified across sectors with allocations to high yield bonds across 20 sectors in all. The largest allocation was a 14% weight to the Oil & Gas sector. The largest allocation to an individual bond was 5.22% to United Refining bond maturing in 2018, yielding 10.5%. Given the generally higher yields within the junk bond space, it doesn't come as a surprise that the SEC yield is high at 7.44%. The average duration of the fund was about 3 years.
Portfolio Managers:
Peritus Asset Management serves as the sub-advisor to HYLD. The portfolio managers making the day-to-day decisions are:
Timothy Gramatovich, Chief Investment Officer – Mr. Gramatovich is the co-founder of Peritus and has been involved in the high yield space for 25 years.
Ronald Heller, CEO & Senior Portfolio Manager – Mr. Heller is the co-founder of Peritus and oversees the portfolio management and trading activities.
The Numbers:
Net Expense Ratio – 1.35% (with a fee waiver of 0.02%)
Market Cap – $23.4 million
Average Daily Volume – 5,515 shares
What's special about it?
1. There are already several index ETFs that provide investors with passive exposure to the high yield space, such as the iShares iBoxx $ High Yield Corporate Bond Fund (NYSEARCA:HYG) and the SPDR Barclays Capital High Yield Bond ETF (NYSEARCA:JNK). However, HYLD will be the first ETF to provide exposure through an actively-managed fund. The high yield space is definitely one where there is a lot of potential value add that can be derived through active management, given the wide disparity in credit quality amongst issuers.
2. Having the ability to increase allocation to US Treasuries also provides the fund managers with a tool to manage downside risk. High yield bonds are definitely one of the riskier and more volatile asset classes which tends to get hit hard during market downturns. In those situations, having the ability to reduce exposure to the high yield space in an active fund can be crucial.
The Active Bear ETF has only been on the market for 4 months, a period too short to make a fair assessment of an active manager. The fund is benchmarked to the Barclays US High Yield Index. The 4 month performance chart below compares the market price performance of HYLD to its index counterparts, HYG and JNK, which provide passive exposure to the high yield space. Taking the yield component into account, HYLD has a 30-day SEC yield of 7.44%, compared to 6.31% for HYG and 6.56% for JNK.
The prospectus provides a longer performance history for a composite of funds that are managed by Peritus according to a mandate similar to HYLD. The Peritus High Yield Composite, as of Dec 31, 2009, had returned 85% over the previous 1 year, while the Barclays Capital US High Yield Index returned 58%. Since inception in 2000, the composite has returned 10.38% versus 8.21% for the index.
Positives –
- As mentioned, the ability to apply discretion to the selection of high yield bonds is quite valuable in this space as the credit quality of junk bond issuers can vary significantly. As such, holding a portfolio supported by some credit research would appear to better off than having exposure to every bond in an high yield index. In the case of HYLD, the benefits of active management seem to show up in the fund's outperformance.
Negatives –
- The portfolio still has a relatively short performance history and given that the fund only launched in Nov 2010, investors do not yet have a sense of how the managers and the portfolio will perform in more difficult market environments when high yield bonds tend to suffer the most.
- The daily trading volume in HYLD and the current asset base of $23 million is not very encouraging for new investors. Investors do not need to worry about significant price impact if they want to trade a large block of shares, since the ETF's market maker has the ability to create or redeem shares. However, due to the low volume, investors might face a higher than normal bid-ask spread.
Disclosure: No positions in above-mentioned names.
Disclaimer: Views and opinions expressed on EtfsHub are those of the author alone and do not in any way represent the official views, positions or opinions of the employers – both past or present – of the author in question, or any other institutions and corporations associated with the author. Etfshub is not an investment advisor, neither the information nor any opinions contained or expressed above and elsewhere on EtfsHub constitutes or should be construed as a solicitation or offer by EtfsHub to buy or sell any securities or other financial instruments or to provide any investment advice or recommendations. None of the material above and elsewhere on EtfsHub is intended to endorse or promote any company or its products. EtfsHub shall not be liable for any claims or losses of any nature, arising indirectly or directly from use of the information on or accessed through the site. Please see full disclaimers here.


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The Payen Family, from La Vallée de Jacmel, Haïti
We are doing research on the Payen family and our relatives.
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Re: The Payen Family, from La Vallu00e9e de Jacmel, Hau00efti
Ayiana Michel 6/01/07