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Hammer & Hand is a metal & jewellery collective based in Hobart, Tasmania and Byron Bay, New South Wales.
October 10, 2017
Posted by Bruce Pringle
Buckles 'n Brooches and a couple of Spoons
Some fine silver buckles (2x fish and a turtle), a dancer and two hands (sterling silver 925) and a spiral(316 stainless steel)
also two stainless steel spoons… The silver buckles are some older pieces that I've re-polished.
August 25, 2017
Posted by Ai Suzuki
Hi everyone, Ai is here!
Hi there!
This is Ai Suzuki (Creative factory YOO) who is a new member of Hammer and Hand Salamanca!
It's been 6 weeks since I started! Wow that's so quick!!
And now, I finally finished setting up my jewellery with handmade price/name tags by copper YAY!
Here is a photo of my cabinet and I will post my jewellery photos sometimes.
Ai Suzuki 🙂
July 15, 2017
Posted by Bruce Pringle
July 9, 2017
Posted by Thomas Frank
Silver Smithing Course in Byron Bay with Thomas Frank
Designed to really emerge yourself into the world of jewellery making. Stretched over 7 weeks you will learn how to do bezel and pedestal prong settings, how to make link chains, how to use cold connections, different soldering techniques and how to do metal forming by using stakes and anvils. You will make overall five different jewellery pieces either out of copper or recycled sterling silver. Additionally, you will also do your own project and develop and craft one of your own designs. Best to watch our video from this creative journey and the amazing jewellery pieces craftedhere.
Course 1 – SATURDAYS starting 16 Sept
Course 2 – TUESDAYS starting 19 Sept
Price 1590 AUD (payable in instalments)
For registration please send an email with your full name, address and preferred date to firstname.lastname@example.com
- Each class consists of maximum four students, so you will get all the attention you need.
- Courses are for beginners and do not have prerequisites.
- Prices are including all materials, tools, workbench use, morning tea and an extensive work manual.
- We request a registration fee of 190$ to secure a space in the course.
July 1, 2017
Posted by Bruce Pringle
eVOLVE and iCONNECT
June 11, 2017
Posted by Jen Banks
Pendants and Necklaces
An embarrassingly large collection of pendants and necklaces 🙂
It's been too long since I've posted any new earrings pics – what have I been up to you ask? Well, let me show you!
March 19, 2017
Posted by Bruce Pringle
Road Trip !
Hi ! You can follow my ROAD TRIP Blog Here
January 28, 2017
Posted by Bruce Pringle
A little Mystery with a long History ! … The Three Hares … Sand-cast Jewellery by Bruce Pringle
The Three Hares …
Somewhere, in Buddhist caves near the old Silk Road in Western China .. around 500 CE, are found the earliest known examples of this enigmatic symbol. thought to have arrived there from west of there.. perhaps Persia ? There are examples in The British isles dating from around the 13th century and some from France and other areas in Europe.
December 18, 2016
Posted by Thomas Frank
Jewellery Courses in Byron Bay – 2017 Schedule till June
1 Day Workshops – MAKE YOUR OWN
Dates – 2nd Saturday/ month LAST WORKSHOP before winter break 13 May
Whether its for yourself, a friend or family – find out how to make jewellery and craft a first ring or pendant on your own. This one day course is the perfect step into the world of jewellery making – packed with lots of new skills and excitement by the end of the day when you walk home with your own handmade unique piece of silver jewellery.
In this course you will learn the fundamental technics of jewellery making, like sawing, filing, soldering, sanding and polishing; and the use of the essential tools in a safe way and environment. You will be able to choose from different designs for either women or mens jewellery.
Workshop 10-5pm – Price 180 AUD (Ring) / 200 AUD (Pendant) – max. 4 participants
Register via email to email@example.com or follow Hammer&Hand events on Facebook.
Watch a video from past workshops and check out what participants said
I had such a good day at the workshop , very relaxed, great tuition and so awesome to leave with a ring that I am very proud of!
Thanks again and I look forward to my next step into the world of
Thanks so much for an awesome day. I'm chomping at the bit to get started on my new hobby!!
I had such a great time. I would really love to pursue making the rings again and practicing making them more!
7 Weeks Course – BASICS IN METAL SMITHING
Next Course starting in September – October 2017
This course is designed to really immerse yourself in to the world of jewellery making by learning all the basic skills and some more advanced practices of metal smithing.
In this course you will learn extensively the foundational techniques of sawing, filing, soldering, sanding and polishing; and the use of all relevant tools in a safe way and environment. Stretched over 7 weeks you will learn how to do bezel and pedestal prong settings, how to make link chains, how to use cold connections, different soldering techniques and how to do metal forming by using stakes and anvils.
You will make overall five different jewellery pieces either out of copper or recycled sterling silver by using wire and sheet metal. Additionally, you will also do your own project and develop and craft one of your own designs. At the end of the workshop you will walk home with six pieces of Jewellery and all the know-how to take your own steps as a Jewellery Maker. Whether it stays your passion or becomes more a profession you will have all the basic knowledge and skills to make your own hand made Jewellery. Do remember these are only the basics and with curiosity and continuous practice you will develop and refine your skills – learning and exploring in Jewellery Making will never stop.
Our video from the last course
• This 42 hour course runs every Saturday for 7 weeks starting again mid March. Timing is from 9am to 4pm with a lunch break.
• Total price for 7 days is 1590 AUD (payable in instalments). Price is including all materials, tools you use in the workshop and of course the morning tea. You will also receive an extensive work manual.
Join Thomas for this exciting journey into the world of silver smithing and walk home with stunning pieces of jewellery – make for the first time your own design from sketch to finished piece.
If you are interested or have questions please contact Thomas firstname.lastname@example.com or 0401 434949.


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By Jason Napodano, CFA
On August 7, 2014, Pozen, Inc. (POZN) reported financial results for the second quarter ended June 30, 2014. Total revenues in the quarter were $7.4 million, comprised of $5.4 million in royalties on $42.4 million in sales of Vimovo at Horizon Pharma (HZNP) in the U.S. and $19.7 million in sales at AstraZeneca (AZN) outside the U.S., and $2.0 million in licensing revenue relating to amortization of the $15 million upfront payment from Sanofi U.S. on the PA licensing agreement in September 2013. Revenues for quarter were up 449% from the second quarter 2013 and handily beat our expectations of $6.3 million – with all the upside coming from higher royalties on Vimovo.
Vimovo Really Taking-Off
After four years of diddling around with AstraZeneca in the U.S., sales of Vimovo finally look like they on the upswing. Horizon reported $34 million in Vimovo sales in the first quarter 2014 and $42 million in the second quarter. The $76.4 million U.S. Vimovo sales by Horizon in the first six months of 2014 eclipsed all previous sales by AstraZeneca in the prior four years the drug was on the market. Under the terms of the agreement with Horizon, Pozen gets 10% royalty on net sales in the U.S., with guaranteed annual minimum royalty payments of $5 million in 2014, and $7.5 million each year thereafter, provided that the patents owned by Pozen which cover Vimovo are in effect and no generic forms of Vimovo are on the market. For 2014, we think it is likely that Horizon does roughly $150 million in Vimovo sales, putting Pozen's royalty at roughly $15 million from U.S. sales alone.
Meanwhile, Pozen continues to collect 6% royalty on Vimovo sales from AstraZeneca in territories outside the U.S. In 2013, Vimovo Ex-U.S. sales of Vimovo totaled $70 million. During the first six months of 2014, they totaled approximately $39 million, up slightly on last year's pace. We expect 2014 Ex-U.S. sales of Vimovo at AstraZeneca to be roughly $80 million. We note the royalty rate on Ex-U.S. sales jumps to 10% starting in 2016. We would also not be surprised to see AstraZeneca sell Vimovo rights outside the U.S. to a smaller organization that can do with sales what Horizon is doing in the U.S. This would be very good news for Pozen.
…But 2015 May See Slight Declines…
Things are going beautifully for Pozen with respect to Vimovo, at least for now. We expect things to change in 2015 because on July 28, 2014 Horizon filed a Form 8-K with the SEC disclosing that the nation's two largest pharmacy benefit managers, CVS Caremark (CVS) and Express Scripts, Inc. (ESRX), will add Duexis and Vimovo to their formulary exclusion list effective January 1, 2015. Horizon estimates 20-30% of its Duexis and Vimovo prescriptions could be at risk by being excluded from these formularies.
Exclusion from formulary listing means patients will have to cover the full cost of the drug out-of-pocket. One month of Vimovo costs around $425, or $14+ per day. This news is clearly going to have an impact on Pozen's financials. Pozen collected $7.6 million in royalties from Horizon during the first six months of 2014. For the full year, we expect the royalties to be roughly $15.0 million. As 20-30% hit to this number would bring Pozen's 2015 Vimovo royalties down to around $11 to $12 million. Not an enormous impact, but a hit nonetheless. We remind investors that even if additional PBM's follow on and place Vimovo on their exclusion list for 2015, the absolute minimum that Pozen will collect from Horizon in 2015 is $7.5 million based on their agreement. So while the impact of these formularies dropping coverage of Vimovo is negative, the actual financial impact to Pozen is muted based on minimum guaranteed payments, steady sales of the drug outside the U.S., and the up-tick in royalty rate from AstraZeneca from 6% to 10% in 2016.
Cutting Expenses
Over the past several months, Pozen has been aggressively working to reduce operating costs and increase profitability. The company has cut staff – currently they have 15 employees, down from 29 a year ago; and according to CEO John Plachetka, more cuts are coming. G&A costs in the second quarter 2014 totaled $2.5 million, the lowest quarterly overhead rate in six years. G&A in the second quarter 2013, for example, was $3.7 million. R&D in the second quarter 2014 totaled $1.9 million, the lowest we've ever seen (our model dates back to 2003). Total operating costs were reduced by $1.2 million from the second quarter 2013. We believe Pozen is trimming costs and getting as lean as possible, potentially setting the stage for an outright sale of the entire organization at some point in the not-too-distance future.
…Profitable Even Before PA Approval…
Thanks to the strong upside from Vimovo royalties and the lower G&A and R&D costs, Pozen reported a net gain in the quarter of $3.0 million. This equated to $0.09 per share in positive EPS. We are impressed that Pozen can report positive EPS even before the approval and commercial launch of PA. We had previously believed that PA was necessary to drive Pozen to profitability, but it seems clear now with accelerating Vimovo royalties and a lean operating budget that Pozen can be cash flow positive on just Vimovo alone. During the first six months of 2014, Pozen reported positive net income of $5.9 million.
PA – Back Under NDA Review
On July 1, 2014, Pozen Inc (POZN) announced it had resubmitted the New Drug Application (NDA) for PA8140 and PA32540 to the U.S. FDA. On July 16, 2014, Pozen announced that the U.S. FDA had accepted the application and established a new PDUFA date of December 30, 2014. Pozen reported that the API supplier has been working to respond to the deficiencies noted in the FDA inspector's report. In fact, the company completed its own onsite audit and management believes the issues have been adequately addressed.
At this time management at Pozen is unsure if the manufacturing facility will need to be re-inspected prior to approval. Pozen intends to seek an accelerated review period for PA with the FDA. The FDA has designated the response a "Class-2" response, which means a six-month review. Hence the PDUFA has been set as December 30, 2014. A "Class-1" response would have been a 60-day review. However, Pozen believes that once the FDA either re-inspects the facility or makes a decision that no re-inspection is necessary that the FDA will be ready to approve the product. Therefore, if re-inspection takes place in September or October, the potential exists that the agency may approve the product well before December 30, 2014. Pozen intends to pursue a dialogue with the agency on this topic and communicate back to investors once they know more.
…EU Up Next…
Pozen is preparing a filing for the European Union with PA-100/40. The company recently held discussions with the Dutch Medicines Evaluation Board in July 2014. The DMED is Pozen's representative state under the European decentralized process. Based on recent and previous discussions with the DMEB, Pozen recently conducted two Phase 1 studies with PA-100/40. The first was a bioequivalence study comparing PA-100/40 to a commercially available 100 mg aspirin product in the EU. The other Phase 1 study was designed to show that the 40 mg omeprazole component provided adequate gastrointestinal support over a 24 hour period. Pozen intends to use the data from these studies to file a Marketing Authorization Application (MAA) under a decentralized process. The DMEB notified Pozen that no other clinical assessment is required and that a complete benefit / risk analysis should be included as part of the submission.
We believe Pozen has a very good chance at approval in the EU based on all the available data. We expect that the company will seek to partner PA-100/40 for commercial sale in the EU sometime after the MAA has been filed. It is possible that an organization may want to wait for EU approval before providing a handsome upfront payment to Pozen, although we note that was not the case with Sanofi in the U.S. We've noted in the past, Sanofi-aventis (SNY) would be an outstanding EU partner for Pozen. The company has already licensed the U.S. right to the drug and it seems logical to believe they would be interested in PA for Europe as well.
…Optimistic on PA…
We continue to believe that Sanofi will be in position to launch PA during the first half of 2015. We model peak sales of PA in the U.S. at around $300 million. Pozen management expects Sanofi U.S. to put forth a first class effort with PA, piggy-backing off the success in this area by the company with mega-blockbuster Plavix®. We remind investors that besides the $20 million in pre-commercialization milestones, Pozen is entitled to sales milestones and royalties from Sanofi U.S. ranged between 12.5% and 22.5% on sales. We think the opportunity for PA outside the U.S. is around $150 to $200 million. We suspect that Sanofi-aventis is the ideal EU commercialization partner for PA, but chose to model the path to market conservatively. Thus, a commercialization deal for Europe represents nice upside to our financial model in terms of bringing in new upfront and sales cash milestones.
Fundamentals Remain Strong
Pozen reported $31.8 million in cash and investments as of June 30, 2014. We remind investors that back in December 2013, Pozen paid a special cash distribution of $1.75 per share to all stockholders of record as of the close of business on December 30, 2013. On its second quarter conference call, Pozen noted that has been working to reduce operating expenses to maximize profitability and reduce cash burn ahead of PA approval. The company made the strategic decision not to start new development programs that are not fully funded by a partner. The press release states, "Our board of directors and management team continue to explore potential ways to return value to our stockholders, including future cash distributions when we accumulate surplus cash as a result of receiving milestones and royalties from our commercial partners."
Pozen is basically telling us – once PA gets approved, expect more cash distributions (or dividends if distributed in a year with positive net income). The approval of PA hit a minor hiccup, but we believe the issue was minor and with the application now back under review launch expectations by Sanofi remain the same. Therefore, we still expect PA approval in December 2014; this entitles Pozen to $20 million in combined pre-launch milestones from Sanofi U.S. that would further strengthen the cash position. The first $10 million is for approval (which we model in the first quarter 2015) and the second $10 million is for "commercial-readiness" (which we model in the second quarter 2015).
We've done some initial modeling on what Pozen will look like with PA on the market in 2015 along with our best estimate for what Vimovo royalties will look like in the coming years. We think Pozen could generate as much as $60+ million in free cash flow starting a few years. Based on the current share count, with equates to over $2.00 in potential free cash flow per share earmarked for future cash distributions.
At the current stock price, these dividends would equate to a 31% yield, and that includes no payment of surplus cash currently on the books. You can't find that kind of "high-income yield" anywhere in the market! Pozen's stock should be trading at $11+ per share based on the future projected cash flows and return of capital to shareholders. We note this is only $1 per share lower than our previous estimate prior to Horizon's news on Vimovo coverage. Below we present a quick snap-shot of our DCF model.
We understand there is risk based on the fact that PA has yet to be approved, but we think this is a low hurdle to overcome given the only issue outlined in the CRL was a small deficiency at the third party manufacturing facility and it looks like that has been resolved. Pozen stated in its press release that they have substantial agreement with the FDA on the product labeling. We think approval for PA in December 2014 will be a major catalyst for the shares, and investors can buy Pozen today with roughly 70% upside to our DCF-derived price target.
We also note that our modeling above has Pozen paying taxes starting in 2017. Our assumptions could be increased by 1/3rd if Pozen decides to sell to a tax advantaged organization, similar to what the company did when it monetized the Treximet royalty to Canada's CPPIB Credit Investments in November 2011. That sales price of Treximet royalty for $75 million was around 35% higher than we factored in our DCF model due to tax implications. As such, we see the sell-off yesterday as a significant buying opportunity for investors.
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By Jason Napodano, CFA

subset: commoncrawl


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Build a Website
Προϋπολογισμός $30-250 USD
I want to build a website that is simple and concise which showcases music productions services. I would like the website to have an image as a banner taken from our latest music video. I would like the website to have a short description of who we are. I would like the website to have a biography of each one of the members in the company with pictures of us in action.
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A 1974 Phi Beta Kappa graduate of the College of William & Mary, he received his Ph.D. in economics from the University of Virginia. BizBeat had the honor to interview none other than our very own Dean of Mason Business School – Mr. Larry Pulley. Dean Pulley has been serving in the capacity of Dean since 1998. Here is your chance to get to know Dean Pulley more if you didn't get the chance before!
Q:What is your most memorable moment at Mason?
LP: Oh God!! There have been so many. I have to say that the most memorable individual moments were when in November of 2005 we became the Mason School of Business and when in 2009 we dedicated this building.
Q: What does your normal day look like?
LP: You know it is a start to finish day. There is probably no such thing as a normal day because I travel a lot. And usually when I'm here I'm running to Richmond for lunch or even to Washington DC. Whenever I'm here at Miller I have a very busy schedule because there are millions of things that come up. I always look forward to times when I can sit down and think about things but mostly that's on Saturdays. It's a big challenge and hard to figure out that I'm spending time on things that matter most to the business school and not on other things.
Q: Have you ever been tempted to leave this position as Dean of the Mason School and try something else?
LP: I do get information about positions in other schools and I get contacted by headhunters a lot. Even close friends approach me to think about that for my career, but it's hard for me to think about how I could be as passionate for any other school as I am for William & Mary. I've been here, my brothers and sisters, our father, his brothers and sisters and now our two children go here. And the other thing is that we made such great progress as a school but there are still some things that I would like to the school accomplish before I hand it over to the next person. We are also looking at putting the business school on a more sustainable and solid footing financially. I would like to see us get on a strong trajectory through some strategic initiatives that we have taken for the school.
Q: What is one destination abroad that you are looking forward to visiting?
LP: I was thinking about this the other day. When I'm traveling I really don't get time to do any sightseeing. Almost every place I go to, that's a bit different, I am thinking that I wish I could have brought my family. I would like to really spend more time in Asia. I am associated with a group that has affiliations with a lot of Asian schools and travels frequently to Tokyo. I am looking forward to that trip.
Q: If you were not the dean at Mason, where would you have been?
LP: To be honest with you I can't really imagine a place where I would rather be. I was on the faculty here before I became dean and it was not something that I had planned for, it was just an opportunity that came along and there was support from the people around me and I took it. Quite frankly, I am honored and grateful to have had this opportunity and have never given much thought to what I would be doing if I was not at this post.
Q: What do you like the most about working in Williamsburg?
LP: I have been a student here and graduated in the year 1974 and I never really thought about coming back. But I have been to many big cities like New York a lot and I think the pace of life here in Williamsburg is good. It has 4 seasons; winter is relatively mild and summers may be hot and humid but most places are air conditioned so it's alright. Overall it is a comfortable place to live in and is a nice place to raise a family.
Q: Which is the next movie that you are planning to watch?
LP: Usually for my recreation I go to the sporting events here at William and Mary but my wife is a huge movie fan and every Thanksgiving we would drive to Ohio to spend time with my wife's parents and usually I would watch my years' worth of movies there. But I can tell you one that I am planning to watch and is very high on my radar is "Lincoln".
Q: As a dean what are the good and not so good part of the job?
LP: The best part is working with students, faculty and staff in the school, alumni, donors, and the board members outside to make new and different things happen. Miller Hall is great visible example of that. The worst thing is getting tied up in bureaucracy anywhere and some of that is a necessary part of the job but it's just not a necessary part of me. Most certainly not something I enjoy doing.
Q: If you could wave a magic wand and change something about Mason, what would it be?
LP: That's an interesting question! Since I am involved so much in the strategic planning process, activities and initiatives I kind of long to sort of jump ahead and see what we would have accomplished. So if I had a magic wand I would love to see the future and how we have performed.
Q: With thanksgiving coming up, which is your favorite cuisine?
LP: Part of this job is that I get to travel a lot and meet people over meals, visit good restaurants and I am tempted in the extreme. I grew up in Virginia Beach and my parents also from Virginia so I have had a lot of Virginia home style cooked food. I also love trying new things wherever I am. But if I were to pick one dish it would be the "Pecan Pie" that is long time seasonal favorite for me.
Q: Was there any subject in school that you particularly did not like?
LP: There wasn't really a subject that I did not like, as there was always a great deal I learned from them. However, I do remember that at one point I wanted to major in sociology and I think the introductory course I had was just a wrong fit at the wrong time for me. It was particular to that course that it really did anything but build my enthusiasm for Sociology and in retrospect I think it was a good thing.
Q: Is there a message that you want to give to the Mason MBAs?
LP: THANKS FOR BEING HERE!! I hope that the students feel as fortunate to be part of this community as I do. We have our challenges, we have our opportunities, and we have a lot of things we are working on but it's really a great place to be part of.
We thank Dean Pulley for sharing his experiences and thoughts with us. We are glad to have a revolutionary leader and representative of Mason Business School Community. Go Tribe!
Ed. Note: This was originally published in the Dec. 9, 2012 issue of BizBeat.
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CSS (FF v IE) Layout problems…
(Sorry, I originally posted this in the "Your WordPress" forum, and then realized that this would be a better place for it…)
First off, I'd appreciate if you looked at my site in either FF or Opera and then in IE. maybetwice.com/0709
I am using a fairly well modified version of the default theme for wordpress. The site looks generally what I want it to look like (text colors all around could probably use some refining) in FF and Opera, with the sidebar looking pretty much right. However, in IE the sidebar gets pushed to the bottom of the page. The column still is horizontally aligned in the correct place, but I cannot figure out a way to get it to display the same way in IE as it does in FF.
To save you the hassle of having to look (you may have to anyway) here is what I would THINK is the source of the problem in my style.css:
padding: 0;
top: -150px;
width: 200px;
I believe that IE probably doesn't treat position: relative quite the way that I'm expecting it to…
- The topic 'CSS (FF v IE) Layout problems…' is closed to new replies.


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The last Sunday for Mass at St. Thomas the Apostle will be August 1st. Sunday Masses at the new church building will be at 9:00 am and 11:00 am starting August 8th. The last weekday Mass at St. Thomas is August 7th. Weekday Masses at the new church will be at 6:30 am and 6:30 pm, starting August 9th. The schedule for Confessions will be updated soon.
The new church building is located at: 1537 W MONROE ST Phoenix, AZ 85007.
Google Map (click "street view" to see the church)


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Lightning Ridge: The World Capital of Fine Black Opal
Lightning Ridge is the world capital of fine black opals, the most desired of all opals. In June 2015 a group of GIA field gemologists visited this legendary town in New South Wales, Australia. Come with us to explore this important source of fine opals.


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Scale Insects
What is all that Black STUFF covering my garden and courtyard?
That black stuff possibly the residue from Scale insects....
These insects are often seen in plague proportions as they feed on sap, drawn directly from the plant's vascular system. They can be found on the stems and mid-rib of soft leaves.
Large amounts of honeydew coats the infected tree before falling on areas below. The honeydew is a substrate for the growth of sooty mould.
Symptoms include reduced vigour and distorted new leaves and terminal shoots can die back.
Damage occurs on a wide host of trees but is commonly seen on Lilly Pilly's and Chinese Tallow.
Call us to arrange an inspection of your trees and assist in the treatment of those critters.
Scale insects concregating along the trees vascular system


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Product description
The men's Plano technical hardshell jacket from McKINLEY's Mountain Tec collection knows how to support and protect you during your challenging alpine activities. Its three-layer Hybrid Concept construction combines AQUAMAX® premium, our highly waterproof and breathable membrane, with fully taped seams, waterproof YKK® zips and a 3D-adjustable hood. To prevent your body from overheating, the Plano offers both an integrated zip ventilation system and a two-way full-length front zip. For the perfect fit, the bottom hem and the cuffs are adjustable. Minimum weight meets maximum protection in the Plano technical outdoor jacket.
Features & Benefits
Fully taped seams
Every seam on the garment is covered by a special tape to ensure waterproofing. Taping seams does not only create an air and water-tight seal, but it also adds strength and longevity to the garment.
Visible zips waterproof
All zippers exposed to the elements are waterproof, while zips on the inside of the garment, which are already protected by the waterproof fabric, are regular zippers without waterproof properties.
Ventilation system
Ventilation systems integrated into jacket or pants are an important option to support the airflow within any functional sports garment. They allow the user to evacuate hot air when needed to regulate the body climate.
Chin guard
The chin guard is a piece of fabric or fleece covering the top end of the zipper and offering protection at the chin against chafing when the zipper is pulled all the way up.
Fixed hood
Protective hood on a jacket, which is not removable.
3D adjust hood
360-degree adjustment of the hood for maximum protection and fit.
Adjustable Cuffs
Adjustment system at the wrists allowing the wearer to adapt the circumference of the cuffs of a jacket.
Two way zip opening at center front jacket
Adjustable hem
Drawcord system allowing the wearer to adapt the circumference of the hem around the waist


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All About Vacuum Sealing Foods
In order to preserve moist and dry products, vacuum sealing of food was commercialized and just the industries are using large sealing machines to be able to suck out the air from the containers and pockets back in the days. But keep in mind that nowadays, there are many homes that are in need of such sealing machines for the preservation of the foods being cooked at home. In addition to that, today, the machines that are sucking out the air and preserve the food in the most convenient way is very much affordable for anyone. You can just simply put these machines on your counters in your kitchen and be able to use it whenever it is necessary. You could also see some available accessories for packing and sealing machines in the market which are also not that expensive.
If you have a house of your own, then you know that every home has to have vacuum sealing foods for some reasons.
First reason is to be able to improve the shelf life of the meals being cooked. Storing the cooked meals ordinarily would simply involve the use of air tight containers. But, these containers are still containing air that would be good for the microorganisms to be breeding and spoiling the products in the container. When you use a vacuum sealing technique, all of the air could be sucked out from the container which will have no trace for microorganisms to able to live and thus, making the shelf life of these meals much improved.
The Beginners Guide To Vacuums (From Step 1)
In order to have a preservation of the flavor and nutrients in your cooked meals is another reason why you should use this. You would be able to find the flavor of your meals being decreased if you just reheat the food from your refrigerator and if you just store it on the containers ordinarily and plastic bags. More to that, the nutrients found in the food will be lost because of the traditional way of storing. Remember that if you will be using vacuum sealing foods, there will be no air that could possibly contaminate the food making all of the nutrients and flavor being preserved and locked up.
A Simple Plan: Foods
This will be also helpful for you as this could be able to help you save time. When the cooked meals could be stored simply in the refrigerator for a couple of weeks, it will be unnecessary for you to spend so much time in the kitchen during the following days. You could be able cook on the weekdays and seal all of your cooked meals with vacuum sealing foods for you to be able to store it in your refrigerator making it easy on your way out when you are in a hurry since you will just have to reheat your food.
Use vacuum sealing foods and save it fresh.


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Moody's Investors Service has put on review for downgrade 1,079 tranches from 299 shifting interest/pro-rata U.S. residential mortgage-backed securities transactions that are reaching or getting closer to the end of their terms, based on surveillance methodology published this month.
"Securities being placed on review for downgrade are those that show sensitivity to a preliminary stress scenario analysis. We will resolve the watch action after conducting a detailed review of the transaction structures. In addition, we will take into account updated performance information," Moody's analysts said in recent report.
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Amazon sells everything. It's too bad Elmer Fudd didn't know about this service. It could have saved him a lot of trouble.—MEGHANN MARCO
Part of
Founded in 2005, Consumerist® is an independent source of consumer news and information published by Consumer Media LLC, a not-for-profit subsidiary of Consumer Reports.
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Hourglass Desktop Background Wallpapers and Desktop wallpapers, Images, photos, desktop backgrounds for HD, 4K, 1080p and more resolution for computers and mobiles. You can browse free more than thousand of Desktop wallpapers and choose best which you like from here. We have given below different resolution which may fits on your screen. If it dose not fits on your PC, Android and iPhone screen, you can choose original resolution.
Category : Desktop | Downloads : 266 | Views : 0 | Tags : Desktop Hourglass
Added : on 20 February,2015


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Dramatic design with high ceilings, recessed lighting and ample windows creates a bright modern Open Floor plan sited 250 feet back on 2.64 Acres of pristine woodlands, walking distance to Historic Town Center and shopping. This Custom built home is Designed for Today's Family Living, featuring a Custom Professional Viking Kitchen with abundant counter space for work and casual dining, plus a Pantry and top of the line cabinets. The two-story entry foyer leads to the Great Room with tall windows, hardwood floor, gas fireplace and architectural moulding and sundeck. The banquet sized dining room is perfect for entertaining, while the Formal living room is a perfect place to cuddle up with a good book and relax after the days grind. A study with built-ins, the powder room and an over-sized mudroom completes the first floor. The Second level has FIVE Generous Sized Bedrooms, Four Full baths, Study room and ample sized Laundry room. Call for Plans and Specs ...will build to suit!
300 Baker Avenue | Suite 300 | Concord MA 01742
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Grow a Mess-Free Kitchen Garden on Your Windowsill
Droponic system pairs soil-free planters with a smartphone app to help urban gardeners cultivate fresh herbs
Nourishing a garden might not seem like a possibility in an urban environment, but Droponic hopes to change that. The kitchen garden system makes it possible for city dwellers to grow fresh herbs in their homes without even venturing outside, using "smart planters" in conjunction with a smartphone app that will track the plants' progress.
The system uses hydroponic technology, a method of growing plants in water without soil—for aspiring indoor gardeners, that means no trail of dirt on the kitchen floor to clean up and guarantees pesticide-free herbs. Instead of being planted in soil, Droponic plant roots are suspended in water with nutrients, and the accompanying app sends gardeners reminders to add water and nutrients to the planters as needed. The system is low-maintenance—most herbs will only need a fresh supply every two weeks.
The app will also help users learn about nutrition and perform light tests to make sure they're providing the optimum amount of sunshine for the plants to grow. According to Droponic, the plants rely heavily on energy from the sun, and as a result, the system saves up to 70 percent more water than traditional methods of cultivating herbs.
Most of the herbs available through the Droponic system will take about two to four weeks to grow. They typically mature faster than plants grown in soil because nutrients are delivered to the roots more quickly.
Droponic is designed to be compact and easily portable, allowing users to transport their herbs to the table. The system includes a window mount, three planters, three sets of seeds and three nutrient packs. Droponic gardeners can grow a variety of herbs: kale, thyme, lavender, basil, parsley, sage, chives, coriander, dill, mint, oregano and chamomile to start, but the company plans to add more options to the list in the future.
The Latest
To move beyond novelty activations and one-time gimmicks, PSFK equips marketers with the insights, templates and analytics to develop high-reach campaigns that meet consumers in the moment, collect and build upon experiential data, and build scale through content creation.
Colin Beavan, author of No Impact Man and How To Be Alive, divulges the one thing that the majority of happy, successful people have in common


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Sometimes our prayers flow easily, and we talk to God just as naturally as we would to a dear friend. But sometimes we can't find words to express our thoughts, no matter how hard we try.
What can you do when you can't pray, or when you need a prayer for a specific occasion but don't know where to begin? You can turn to the prayers of other Christians to carry you into God's presence.
Prayers for Life's Ordinary and Extraordinary Moments is a unique collection of prayers that give you words to pray in those times when you can't find words of your own.
The honest, heartfelt prayers, written by staff members of The Upper Room and the General Board of Discipleship, address such categories as:
"Being able to pray is a privilege and a gift," Mary Lou Redding writes. "This collection is a gift to us for the times we need someone to help us say what we want to say to God."
Through this book, you will learn how to touch the heart of God when you can't articulate your own prayers.
The Upper Room is a global ministry dedicated to supporting the spiritual formation of Christians seeking to know and experience God more fully.
From its beginnings as a daily devotional guide, The Upper Room has grown to include publications, programs, prayer support, and other resources to help believers of all ages and denominations move to a deeper level of faith and service.
The Upper Room is a part of Discipleship Ministries


text: Patriotism has HUGE breaks of colored brocade and strobe. The breaks are not as large as our 3″ shots, but are VERY impressive for a 16 shot cake. The strobing effect is the perfect background for the colorful breaks, and linger impressively in the sky. A great three shot finale rounds out a great cake from Cutting Edge Fireworks.


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Fisher, Suzanne and Duke, Sue (2010) Preferred place of care at the end of life for people in hospitals End of Life Care, 4, (2), pp. 35-41.
Background: Achievement of a person's preferences for end-of-life care is a moral and policy imperative. It is morally important as it demonstrates respect for people's end of life choices and a policy imperative because it is recognized that many people die do not die in the place of their choice. Much has been written about the factors influencing preferred place of care (PPC) and where people die. Little attention has been paid to which interventions enhance achievement of PPC.
Aim: This article reports on an audit assessing the impact of the interventions of an acute hospital discharge team (HDTNs) on the achievement of PPC. Methods: The audit was undertaken on a consecutive sample of 39 people, referred at the end of life to the HDTNs, over a 3-month period from May-July 2009. The data were analysed using Cohen's Kappa statistic to test the degree to which PPC was achieved.
Results: All but three people achieved their PPC.
Conclusions: The results compare very favorably with studies assessing success in achieving preferred and actual place of end-of-life care. Key to the success of this intervention was the HDTNs' knowledge of community services, imparted during conversations with patients and their families.
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Selecting The ideal Reverse Mortgage Lender
Choosing the ideal reverse mortgage lender is quite the same when you are trying to find an ideal bank, the right shopping mall or a suitable accountant. Always remember that it should be perfectly suitable to all your preferences and needs. Getting a reverse mortgage nowadays is quite common for many people, especially for seniors who are considering getting a home loan. A reverse mortgage is basically a complex fiscal choice and you have to make sure that the provider you are dealing with is knowledgeable, reputable and trustworthy as well as making sure that they have your best interest at heart. When checking the website or getting in touch with them, there are certain aspects that you need to consider carefully.
Reverse mortgage lenders considerations
Initially, examine the affiliations as well the recommendations of the lenders you are considering. You have to check if the lender is connected with associations in the same field that are specifically designed to provide protection to the interests of the borrowers, promotion of ethics and education such as the NRMLA or National Reverse Mortgage Lenders Association. You also have to check if the lender is listed in the Better Business Bureau. Majority of individuals believe that any large bank is the ideal option since they carry out numerous Home Equity Conversion Mortgages or HECM on a yearly basis. These individuals end up disappointed to discover that the loan officer they conversed to only had minimal experience. Always make it a point to check the reputation of the lender you are considering since it is an important factor.
The lenders who have affiliations with the NRMLA are entailed to stick with the strict code of ethics that are designed to provide protection to the borrowers. The lenders who are capable of maintaining top ratings with the Better Business Bureau are obliged to do so since they are focused on providing the right treatment to their clients. Take note that when choosing a lender, experience is always the essential point. Try to avoid lenders who dealt with sub-prime loans since they are not skilled and knowledgeable when it comes to reverse mortgage dealings. Due to the complexity of the fiscal transactions, it is not recommended for inexperienced individuals to join in the field without adequate supervision. In some cases, borrowers who choose lenders without any experience had to wait for weeks and even months just to get their loans closed. It is best to opt for a lender who offers good quotes initially. Do not settle for one that offers to lower down rates after finding out that others are offering lower rates.
Consult reverse mortgage counselors
In case you are having a hard time selecting the ideal lender, it is best to ask independent counseling so that you will know that you are receiving the appropriate answers. Of course, these counselors are not all perfect, thus in case you receive a different answer, just make sure that you will figure out who provided the precise answer before deciding. Do not settle for a lender if he/she is more engrossed in selling you a reverse mortgage than ensuring that it is appropriate for you.
Always remember that a reverse mortgage is ideal only for the appropriate borrowers. They are not suitable for everybody and you should take time to think things through in case you are planning to apply for one.


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While making plans constructions within which everyone is to paintings and reside, the effective use of ordinary sunlight and solar power is more and more vital. The problem is to compensate different lighting fixtures standards in iciness and summer time. built-in sunlight deflection structures distribute gentle into the inner of structures, make the most of and shop solar power to avoid wasting synthetic lighting fixtures, air-conditioning and heating bills. broadly researched and impressively illustrated with a good number of desktop simulations and pictures of outfitted examples, this quantity is greater than an creation to the fundamental ideas, capabilities, designs and calculation tools of complex light-guidance expertise for architects, lighting fixtures designers, development and weather engineers. specifically it presents distinctive documentation of the recent Retro-Technology structures, explaining the position they could and do play in built-in façade and construction layout and making plans strategies.
By Catharine Fishel, Stacey King Gordon
The packaging is extra aggressive each day so making a new package deal that's leading edge, provides worth, and makes a reference to the patron is a problem frequently met with constrained good fortune. Dynamic and strange package deal designs can particularly make an announcement in overcrowded markets.
What makes a package deal winning? How do designers locate the foundation and execute the designs that actually paintings? This compendium of package deal layout solutions all that and extra. The content material covers suggestion, strategy, layout examine, operating with consumers, making plans, and execution of a few of the best programs out there this day. perception from most sensible packaging designers around the world is supplied on pages which are filled with pictures of significant designs. not like such a lot packaging books, this quantity is full of content material in a compact, transportable, and easy-to-use format
By Michelle Lipson
"There are a few actually leading edge costumes the following that diversity in complexity from a cardboard body (for an artist's self-portrait) to a full-body tiger suit....The bitter grapes, junk meals junkie, Cyclops, elephant, and dragon, to call a couple of, could be adjusted for grownup masqueraders."-- "Booklist. 128 pages (39 in color), one hundred twenty b/w illus., eight half x 10.
Download E-books Sustaining Cultural Development: Unified Systems and New Governance in Cultural Life PDF
By Biljana Mickov
In maintaining Cultural improvement, Biljana Mickov and James Doyle argue that powerful programmes to advertise higher participation in cultural existence require monstrous funding in study and strategic making plans. utilizing reviews from individuals all through Europe, they give the impression of being at how you can advertise cultural existence because the centre of the wider sustainable improvement of society. those stories illustrate how combining cultural identification, cultural variety and creativity with elevated participation of voters in cultural lifestyles improves harmonized cultural improvement and promotes democracy. They point out a shift from conventional governance of the cultural area to a brand new, extra horizontal, procedure that hyperlinks cultural staff at diverse degrees in several sectors and varied destinations. This e-book will stimulate debate among cultural leaders, urban managers and different coverage makers, in addition to serving as a source for researchers and people educating and studying on a variety of post-graduate classes and programmes.
By Naomi Okamoto
By Donald A. Norman
If purely cutting-edge expertise have been less complicated! it is the common lament, yet it is fallacious. during this provocative and informative ebook, Don Norman writes that the complexity of our expertise needs to reflect the complexity and richness of our lives. it is not complexity that is the challenge, it is undesirable layout. undesirable layout complicates issues unnecessarily and confuses us. reliable layout can tame complexity.
Norman provides us a crash path within the virtues of complexity. Designers need to produce issues that tame complexity. yet we too need to do our half: we need to take some time to profit the constitution and perform the talents. this is often how we mastered studying and writing, using a vehicle, and taking part in activities, and this can be how we will be able to grasp our complicated instruments.
Complexity is sweet. Simplicity is deceptive. the great lifestyles is advanced, wealthy, and lucrative -- yet provided that it truly is comprehensible, brilliant, and significant.
By Bjarki Hallgrimsson
Development prototypes and versions is a vital part of any layout task. glossy product improvement is a multi-disciplinary attempt that is determined by prototyping so as to discover new principles and attempt them sufficiently earlier than they turn into genuine items. A accomplished sleek prototyping process is essential to creating expert layout judgements, and varieties a strategic a part of a profitable designer's toolkit.
Basics Product layout: fabric Thoughts describes many of the fabrics and procedures to be had to product designers, and the way to exploit and mix them. It encourages an experimental method of product layout and finishing.
The e-book explores the contemplating major designers and manufacturers who problem conference via interest and experimentation. It goals to advertise a actual enquiry of fabrics and a mentality that's continually asking 'what should be performed if…?'
Key members contain: Alessi, Chris Kabel, Demakersvan, droog, Drummond Masterton, Ettore Sottsass, entrance, Gene Kiegel, Industreal, Inflate, Ingo Maurer, Jaime Hayon, Jurgen Bey, Kartell, Maarten Baas, Mathias Bengtsson, Matthias Pliessnig, Memphis, molo, Philippe Starck, Shigeru Ban, Simon Heijdens, Stuart Haygarth, Stuart Walker, Studio Libertiny, Tejo Remy and Rene Veenhuizen.
Other titles in the Basics Product Design series include: Idea Searching and Visual Conversations.
Download E-books Visual Research: An Introduction to Research Methodologies in Graphic Design (Required Reading Range) PDF
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There was a girl, and her uncle sold her. Put like that it seems so simple. No man, proclaimed Donne, is an island, and he was wrong. If we were not islands, we would be lost, drowned in each other's tragedies. We are insulated (a word that means, literally, remember, made into an island) from … Continue reading American Gods – There was a girl, and her uncle sold her – Excerpt
American Gods – I Believe – Book Excerpt
I can believe things that are true and things that aren't true and I can believe things where nobody knows if they're true or not. I can believe in Santa Claus and the Easter Bunny and the Beatles and Marilyn Monroe and Elvis and Mister Ed. Listen - I believe that people are perfectable, that … Continue reading American Gods – I Believe – Book Excerpt
Prentice Alvin * Orson Scott Card
In the Tales of Alvin Maker, Orson Scott Card does the same thing for Mormonism that Lewis did for general Christianity in Narnia, but the world of the tales is much closer to our own than Narnia is this world is an alternate america in the early 1800s, an America with a slightly different history, … Continue reading Prentice Alvin * Orson Scott Card
The song of the Weirwood * Game of Thrones
"A reader lives a thousand lives before he dies," said Jojen. "The man who never reads lives only one. The singers of the forest had no books. No ink, no parchment, no written language. Instead they had the trees, and the weirwoods above all. When they died, they went into the wood, into leaf and … Continue reading The song of the Weirwood * Game of Thrones
American Gods Excerpt
The main character, Shadow, has just come to a small Wisconsin town, and he decides to walk into town to buy some warmer clothes and groceries. The cold snap had come, that was for sure. It could not be much above zero, and it would not be a pleasant walk, but he was certain he … Continue reading American Gods Excerpt
3 Break-up short poems
Roadwork * Stephen King short story
Only Stephen King, writing as Richard Bachman, can imagine the horror of a good and angry man who fights back against bureaucracy when it threatens to destroy his vitality, home, and memories. It reminded me a lot of The Running Man where the guy sticks it to the system grand style and goes down in flames. … Continue reading Roadwork * Stephen King short story
Rainer Maria Rilke Poem of the Day: You who never arrived
Du im Voraus verlorne Geliebte, Nimmergekommene, nicht weiß ich, welche Töne dir lieb sind. Nicht mehr versuch ich, dich, wenn das Kommende wogt, zu erkennen. Alle die großen Bildern in mir, im Fernen erfahrene Landschaft, Städte und Türme und Brücken und un- vermutete Wendung der Wege und das Gewaltige jener von Göttern einst durchwachsenen Länder: … Continue reading Rainer Maria Rilke Poem of the Day: You who never arrived
William Trevor* The story of Lucy Gault
Shortlisted for the 2002 Man Booker Prize I've picked it up from my bookshelf but I never thought I would find so little to love in this story. Everything was truly predictable, the characters lacked vitality and the only high-point in the entire book was the possibility of a romance. And even that one dwindled … Continue reading William Trevor* The story of Lucy Gault
Suzanne's Diary for Nicholas by James Patterson – Book Review
Prepare your tissues as this book will not leave you dry-eyed. Full of love and more love and more love and a lot of loss, the book follows two couples who have something in common. Matt has been with both women and both have a baby. This change-of-pace love story is a powerfully moving novel … Continue reading Suzanne's Diary for Nicholas by James Patterson – Book Review


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The property at 3806 Elmwood Ave, Berwyn, IL is a Residential Single Family property with 3 bedroom(s) and 2 bathroom(s), built in 1956 and is 1076 square feet.
The following documents are available for 3806 Elmwood Ave Berwyn, IL 60402:
This listing is currently unavailable. Click here to browse properties nearby.
Learn about the specific closing process for this property.Take a Look


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Flying school expands into Auckland
A southern aviation school has spread its wings and expanded into Auckland.
Southern Wings opened a new base in the North Island this week to service a demand for an Air New Zealand Institute preferred training college.
Southern Wings chief executive Bryan Jones said an opportunity to expand came up and it decided to go for it.
The school will match the services provided by its Southland counterpart and provide opportunities for students to transfer between the campuses to complete specialised parts of the course.
He expected there would be more of a demand for the Auckland base once it became established.
It had always been difficult to attract students to Invercargill and this would give them a different option, he said.
However, because it was a specialised course, places were limited, and students who wanted to study there may have to take a place at whatever campus had space available.
Conceptual planning for the Auckland course began in December and the first classes took place on Monday.
The Southland Times


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Prepare to be transported from the heart of London to India's vibrant Sasan Gir. This spring, guests to London Zoo will have an opportunity to get closer than ever to magestic and powerful Asiatic lions. Opening for the very first time March 25, Land of the Lions will provide an emersive new environment for lions and guests alike.
The zoo's expansion boasts an impressive 2,500 sq. m. exhibit space containing three walkways through elaborate Indian-themed areas to explore. Check out the latest video on this exciting new addition:
Land of the Lions promises to be an experience like no other, offering important information while inspiring and exciting wildlife lovers of all ages.


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Follow us
Most of the club's communication is done on Facebook and Instagram. Please like us on Facebook at www.facebook.com/topsasoccer and follow us on Instagram at @topsasoccer.
On 17 November 2016, the club lost its mightiest flamingo, Lyndon Williams. Lyndon was the heart and soul of TOPSA Soccer Club. He was the funniest person in the room and the person we all aspired to be - and that will never change. In 2017, the club has paid its respects to Lyndon's enormous legacy. In March, we raised $3,000 for Lyndon's favourite charity, Movember - a cause he cared so much about. You can donate to Lyndon's Movember page here.
Payments by club members, supporters and sponsors must be paid into the following Bendigo Bank account below.


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Brevard College computer science major
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Information about Brevard College computer science major, and registering for elective seminars and lectures. Which college degrees give you the best chances of finding employment after graduation? You can start working in a high-paying business field with just an associates, or a bachelors degree. To begin, browse accredited business degree programs and certificate courses online. Concentrating on Brevard College computer science major, for example, you may gain an advantage in corporate recruiting being done on-campus. Check with the computer programming department for course registration deadlines, and software programming program requirements. Please use the form above to request admissions info for Brevard College.
Businesses of all types have a profound need for talented software specialists. Programmers often start out with a bachelor's degree in computer science or software engineering, followed by intensive on-the-job training. Computer science (CS) degree programs may cover diverse programming languages, depending on the application involved. For example, the C# language combines the robustness of C++ with the advanced features of JAVA programming. The C# language is most easily compiled within Visual Studio IDE, a rapid-development platform. If you are writing a web-based application in ASP.NET, you will be required to code in C# or Visual Basic for the backend.
Software developers also need skills related to the industry in which they work. Developers working in a bank, for example, should have knowledge of finance so that they can understand a bank's computing needs. On the other hand, the JAVA language may be used to develop enterprise-level applications and accelerate the design of video games or iOS/Android mobile apps. By way of comparison, some large websites that make use of the Python language include Pinterest and Instagram. In fact, many CS students gain hands-on experience in software development by completing a business internship at a software company while still in college. The median annual wage for computer programmers was $90,530 in May 2017. Beyond major requirements within the computer programming department, you may consider Truman State University placement exams as a complementary elective to your primary course of study.
Data and Reporting Analytics Manager
Charles Schwab
The Data and Reporting Analytics Manager will assist with high visibility and high exposure projects related to various areas of risk..
3 days ago Project Manager I
Lead groups to perform research, requirements analysis, design, and development and ensure that projects are completed on time and within budget..
3 days ago Wealth Management Associate
Goldman Associates
The Wealth Management Associate will also partner with the Wealth Management Advisor to develop business development strategies and strengthen existing client..
4 days ago Sales and Business Development
SoundGuard Inc.
1% of every deal you close (this is in addition to the 10% commission and bonus) is added to a marketing expense reimbursement fund for each sales rep.
7 days ago Pricing Coordinator
GNC - General Nutrition Centers
Bachelor's degree in Business or Computer Science. Ability to work on numerous projects at the same time and meet deadlines.
2 days ago Credit Analyst
Business Bank of Texas NA
Are you an experienced Commercial Lending Credit Analyst? We are looking for someone with a Bachelors Degree in Business Administration, Accounting or Finance.
1 day ago


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I don't much care for it. I think I may have figured out why.
You see, I don't know how to get old. I don't know who I'm supposed to be. I don't really want to stop having sex, though that decision seems to have mostly been made for me. I don't want to stop eating, but it seems I have to slow down tremendously. I feel as though I'm eating only half of what I used to, or less, yet I'm gaining weight. Same with drinking. Even playing gigs kicks my ass in ways it never did before.
But what to do? When I was young, there seemed to be an old person lifestyle, that one could ease into, playing bridge or pinochle with friends, watching the game on weekends (whichever game happened to be on), spoiling the grandchildren, and so on. None of those seem like viable options to me at this point. Maybe I shouldn't have quit working, I dunno.


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Manish Sinha, Asia Nation Chief, Equifax
Movie Rating: / 5
Equifax Canada assembles credit information from most of the banks, trusts, credit card companies, renting companies and many other reporting industries within one report. You'll need a CMB Worksheet signed just before requresting an Equifax Report online.
Below are a few Guidelines
1. You can not offer a duplicate regarding the Equifax Report to your clients, and you'll send your clients to Equifax Canada when they want a copy.
2. You can't pull an Equifax Report by yourself mortgage package, but request your Broker of Record to request one for your mortgage offer.
3. get CMB Worksheet offered, in case your file is audited by Equifax Canada.
4. constantly review your Equifax Report together with your client to be sure the information regarding the report is accurate. Everything regarding the Equifax Report affects the beacon score.
Movie Rating: / 5


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Hi, I'm Simon Bussiere. 🙂 I'm an Assistant Professor in the School of Architecture at the University of Hawai'i at Mānoa. This website is a visual abstract of my academic and professional practice and research in design, representation and pedagogy.
My professional experience spans the design spectrum. At EDAW/AECOM in Melbourne Australia, my work included the conceptual and schematic design for E-Gate, a multi-billion dollar, 6,000 resident, zero-carbon eco-district in Melbourne, along with a range of local and international work in corporate, leisure, cultural, real estate development, civic, utilities, and transportation market sectors. While at AECOM, I was on the team that won first prize in the international design competition for Seoul Grand Park in 2009. As founder and creative director at LANDMASS, a collaborative research and design/build laboratory, I've directed the planning, design and construction of numerous projects from inception through to implementation and administration. I'm an active design leader on a range of local and international projects across a wide range of scales and levels of complexity. I deeply enjoy each new project and love to help people frame, understand and solve problems.
I trained in landscape architecture at the University of Massachusetts in Amherst and later at Harvard University where I focused on international projects in landscape, architecture and urbanism. While at the Graduate School of Design (GSD) at Harvard under advisors Richard T.T. Forman and Michael Van Valkenburgh, I designed projects in India, Brazil, Costa Rica, Sardinia and Nicaragua, where I was awarded a GSD Studioworks selection by architect Teddy Cruz and an International Community Service Fellowship for my work in the peri-urban community of La Prusia, Nicaragua.
I grew up in between the Berkshire Mountains and Cape Cod in a tough central Massachusetts mill town. As the oldest of three boys raised by an incredible single mom, I learned at a young age to question everything and fight for creative independence. My passion for design and education is directly informed by my love of nature.


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Powerlessness leave parents heart-broken.
Author: JC
Thanksgiving Day
Contrarily to our American friends, Canadians celebrate Thanksgiving in October, nearly a month and a half before they do. Thanksgiving Day ends up on the second Monday of October so, this year, it falls on October 9th. What happens? It is a statutory holiday so nobody works and those who do are paid double. Mostly, this… Continue reading Thanksgiving Day
Just Like Outlander – Scottish Historical Romance
A huge segment of historical romance novels : the Scottish Highlanders. Have you seen Outlander?
Meeting Important People
I spent the afternoon with a high-ranking government official this afternoon. Sometimes, these people's position inflates their ego. This one was very personable, very down to to Earth, and very friendly. Networking is neither my strong suit nor something essential to my life. I don't live for these events... shall we say! However, meeting these… Continue reading Meeting Important People
Feeling Delinquent
Stop the nonsense! Have the courage to look the truth in the eye!
Gone Into The Ether
On my best days, I'm an observer (on bad days, I'm judgemental about what I observe). I think a lot of us forget the Internet is virtual reality, illusions, fake reality. Most everybody has a blog, most of them look for their little corner of success, their 15-minutes of fame, their place under the sun,… Continue reading Gone Into The Ether
Communication is one of the most complex act in the world, not in performing, but in understanding. Two people need a common set of reference and a clear context so communication is successful. Obviously, communication fails if one of the two people attempting it does not grasp what they are talking about. It looks rather… Continue reading Misinterpretation
What Happened?!
Wow! August went by like a ball of fire! (You watch roll and you keep your hands off of it!) Seriously, it has been so busy I ended up in September wondering where those 31 days went. I've been busy moving my ageing mother to a new apartment. She left a remote area to live… Continue reading What Happened?!
Some people are just oblivious of their behaviors. They act like jerks and wonder why they have no friends, why people flee when they walk into a room. They do everything they can to stay "right" in their mind and end up pushing people away. You cannot keep hurting someone and not damage the relationship… Continue reading Oblivious
Dare Be Yourself
Enjoy the process rather be anxious over the result, be brave enough to follow your instincts and dare be different. Going against the mainstream is not easy. We are trained to fit in. From the moment we start moving we know restraints, confinement, little space. We are training to occupy and mess our own personal… Continue reading Dare Be Yourself


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To receive the newsletter direct to your inbox in future please email your details to [email protected] and ask to subscribe to South West e-news.
If you have news that you want to share with the trade union movement in the South West, please contact Nigel Costley, South West TUC Regional Secretary on [email protected] or call 0117 947 0521
Inflation has overtaken wage growth and working people are still £20 a week worse off on average than they were before the financial crash in 2008. Real earnings are now falling by 0.2%. The South West TUC is calling on all the political parties standing in the region to explain how they'll create better paid jobs.
Nigel Costley, South West TUC Regional Secretary said: "The last thing South West workers need is another real wage slump. But rising prices are hammering pay packets.
"Any party that's serious about giving Britain a pay rise will have a plan to create well-paid jobs where we need them most. They will have a plan to raise the minimum wage to £10 as soon as possible. And they will have a plan to stop the unfair pay cuts that are making hard-working midwives, firefighters and nurses thousands of pounds worse off."
Public sector workers facing further years of falling income levels are being especially hit hard and many key services are struggling to recruit staff.
British workers are stuck in the longest pay squeeze since Victorian times and there is still worse to come. The OECD forecast that that real wages in the UK are on course to fall by -0.5% by the close of 2018 despite real wage growth in other countries will increase by an average of +2.6%. The UK will be one of just five OECD countries to experience a fall in real wages – with only Greece, Italy and Austria set to fare worse over 2017 and 2018.
Kate Bell, TUC Head of the Economic and Social Affairs Department explains why boosting workers' ability to organise has to be a critical part of the effort to get wages rising again. Read the blog here
To help you gaze into the future, the TUC has a nifty pay calculator. It will show you what might happen to your own pay under the government's forecasts.
Try the 2022 pay calculator now
Homeworking in the South West up by 12,000 over the last year. 196,000 employees in the South West worked from home in 2016 - up 6.52% since the previous year. The region has the highest proportion of homeworkers: 1 in 11 workers regularly work from home.
The number of women working from home in the UK has increased by 10.5% (64,000) over the past year but men still account for the majority of homeworkers, with 966,000 regularly working from home in 2016, compared to 673,000 women.
Older employees are more likely to work from home with 1 in 13 workers in their forties and fifties working from home. Just 1 in 36 workers (168,000) in their twenties regularly work from home.
Government research shows that another 4 million UK workers would like to work from home for at least some of their working week but are not given the chance. Properly-managed homeworking can save time and money on commutes, give more flexibility over working time, and make it easier for carers and parents doing the school run.
Homeworking is also an important way for disabled people to access the labour market, currently used by 190,000 disabled people across the UK.
For employers, homeworking makes recruitment easier, can increase productivity, and reduce premises costs. The TUC warns, however, that homeworkers must be properly supported. Homeworkers' additional bills should be covered, and they should have access to the right equipment.
Only 1 in 4 (26.2%) people with a mental illness or phobia lasting for twelve months or more are in work, according to a new report published by the TUC. Mental health and employment, finds that while 4 in 5 (80.4%) non-disabled people are in work, people with mental illness, anxiety or depression have substantially lower employment rates:
The TUC is concerned that this suggests employers are failing to make adequate changes in the workplace to enable people with mental illnesses, anxiety or depression to get a job, or stay in work. Mental health problems can often be 'invisible' to others, so a lack of mental health awareness amongst managers and employers is also likely to be a factor.
The TUC report is here Mental health and employment
The TUC's new briefing, Protecting Health and Safety after Brexit, warns trade unionists and working people that health and safety protections are at risk from the government's Brexit plans. The briefing outlines the relationship between UK and EU regulation, the potential risks to health and safety regulation that the Government's Brexit proposals pose and what unions should be seeking.
Deliveries to Argos stores could be severely disrupted when up to 1,400 warehouse workers, including those employed at the Huntworth near Bridgwater site, strike in a dispute over job security and terms and conditions.
The warehouse workers who prepare deliveries for Argos stores are fearful that a contracting-out culture will lead to job losses and a deterioration in their terms and conditions.
Friday May 19th 4-5pm, when senior Unite reps will be present
ARGOS, Huntworth Business Park, Bridgwater TA6 6TS
Bridgwater Trades Union Council is calling for local trades unionists to show solidarity with the 280 Unite members at the Huntworth picket lines, staffed, as a minimum, around shift change-overs at 6am, 2pm and 10pm every week-day.
Friday 19th May Picket line 5.30am to 7pm.
Arriva Train Care, Barton Hill Depot, Days Road, Bristol
RMT members had a 96% ballot in favour of strike action across the country because Arriva won't negotiate with the union over pay and conditions. RMT Branch officers, reps and members are welcome to visit the picket line and give support.
RMT members protested against low-cost crewing in the shipping industry – as practiced by local employer Condor Ferries – outside the European Maritime Day conference in Poole. Over 500,000 seafarers work in European waters, yet most (56%) are non-EU nationals on poverty pay. 87,000 ratings jobs in the UK shipping industry, yet only 10% are held by UK seafarers with 3,000 UK ratings set to retire by 2020.
Monday 26th June 9am-4.30pm
Congress house, London WC1B 3LS
Job insecurity is still on the rise in Britain. Ten years on from the Commission on Vulnerable Employment, the TUC is hosting a major conference to discuss how unions and other civil organisations can tackle insecure work. To improve protections for insecure workers in the UK, the TUC is calling for the political parties to make manifesto commitments to:
Speakers include: Frances O'Grady, General Secretary of the TUC; Matthew Taylor, head of the government's independent review into modern employment practices; Trade Union general secretaries and union organisers from the front line of the fight against insecure work.
Unionlearn and TUC Education have a new eNote – online course – aimed at helping apprentices, and those who support them, understand their rights at work.
The new interactive eNote Apprenticeships – know your rights explains why a quality Apprenticeship is a great way to earn money while developing skills for a rewarding career, and explains that new apprentices will be entering the world of work but learning as they do so, studying for a qualification, and possibly a degree.
The eNote answers lots of questions that new apprentices need to know and
highlights what makes a high quality apprenticeship, what commitment an apprentice would have to sign up to and gives a number of case studies around different apprentices. To access the new eNote click here
The South West TUC has recruited Ines Lage as its new Policy and Campaigns Support Officer. Ines has come from Bristol Citizens Advice where she has given support to clients on a wide range of issues as well as being involved in a number of local campaigns. Born in Portugal, Ines studied law at the University of Bristol including spending a year teaching English in France.
By signing the Bristol Zero Tolerance pledge, the South West TUC has confirmed it will continue to push for decent jobs in Bristol, fight to end discrimination and gender-based violence, and support unions to ensure that all workers are protected from abuse and harassment.
Tuesday 23rd May 11.15am
St Mary's church, High Street, Shirehampton Bristol BS11 0DU
The funeral of John Bees will be at St Mary's Chruch and followed by committal at Canford Crematorium at 12.45pm. Then back the Shirehampton working men's club - food will be available.
John was chair of the former TGWU South West region. He was the convenor at The Bristol Port Company for many years, including during the years of transition from public to private ownership. He also served as a leading Bristol City Councillor for many years.
John's family really want people to come and celebrate his life and would welcome seeing people even if they can only attend part of the day.
14-16th July
Weekend bookings for this year's Tolpuddle Martyrs' Festival are now open. The music programme includes a wide range of performers to suit all tastes. The legendary Mekons will play on the main stage on Sunday 16th July. On the Saturday evening comic Francesca Martinez is bound to go down well with the Tolpuddle audience. Many of the discussion sessions, debates and speakers will be confirmed closer to the event.
The Tolpuddle Radical History School will focus on War and Revolution in the centenary year of the dramatic events in Russia.
Tolpuddle always values the hard work out festival stewards put into the event each year – and when the chance of giving something back by linking with POA Learning to offer a free qualification this seemed too good an opportunity to miss. Whilst we know that not all out stewards will be interested – it's a good chance for those that are to develop their knowledge and understanding of how to safely steward a large event.
The Tolpuddle Martyrs' Museum has sent an appeal to unions to help purchase and display letters written by the Rev'd Warren to his nephew in the 1830s. The Tolpuddle farm workers went to the local vicar to plead for his support in resisting pay cuts. He promised to support them should the employers cut the pay any further. When their poverty wages were cut again the Rev'd denied making the pledge.
Warren tells his nephew: "The papers tell you of the disturbances in our village, and the transportation of six of my parishioners: while there was hope, I did my endeavour to get their punishment mitigated, for the sake of their miserable wives and families. But these Unions must be put a stop to or the country will be together by the ears."
Warren goes on to say: "On Sunday, they came to me with a petition to parliament, so worded, that I could not sign it. Last night they broke every pane in the lower range of my drawing room window, eight squares!"
The Museum plans to use these letters for high-profile events during 2018, the TUC 150th anniversary year and it hopes that unions will share this excitement and be prepared to support this project with a contribution. The Museum needs to raise around £5,000 – contact [email protected] for more information.
Saturday 20th May 11am
Assemble College Green, Bristol
Schools and colleges are under severe strain with the biggest real terms cuts to per pupil funding in a generation. This means teachers and support staff being cut, class sizes up, less attention for children, early-year and SEN support cut and fewer subjects taught. The NUT is organising a march through Bristol to protest the cuts and demand fair funding for all schools.
Thursday 25th May 7-9pm
Hydra Bookshop, 34 Old Market St, Bristol BS2 0EZ
During the First World War Sylvia Pankhurst's newspaper, The Dreadnought was the most consistently anti-war publication. It not only opposed the global conflict but condemned the crushing of the 1916 Easter Rising in Ireland, supported the 1917 Russian Revolution and campaigned for a revolution in Britain.
With Professor Newsinger, the author of The Blood Never Dried: A People's History of the British Empire (2006), Fighting Back: The American Working Class in the 1930s (2012) and most recently The Revolutionary Journalism of Big Bill Haywood: On the Picket Line with the IWW (2016).
Saturday 3rd June 10:30am-5.30pm
Portfield Rd, Christchurch BH23 2AQ
Monday 5th June 8pm
The Cube Cinema, Dove Street, Bristol BS2 8JD
End Game questions the broadly accepted idea that the Somme campaign was the 'decisive victory', British Commander in Chief William Haig claimed it to be. To do this, it examines the revealingly different military cultures of the British and Germany armies, not just in terms of their contrasting tactics but in their attitudes to military discipline, showing how the British executed more than ten times as many deserters as the Germans. The BBC programme will be introduced by Michael Poole, its executive producer, who recently retired from the BBC.
Price: £4/£3 concessions
Sunday 18th June Registration 10am, walk starts at 10.30am
Pound Cottage, Priddy, Somerset
A 10k circular fundraising walk organised by Bristol Action for Southern Africa. For more information, sponsor form, transport etc. Sheila [email protected]
Sunday 30th July 1-6pm
Filton Sports and Leisure Centre, Elm Park, Filton, Bristol BS34 7PJ
Teams must include both male and female players, 8 players/team (substitution allowed)
Entrance fee £25/team (applications by 20th July)
Each team guaranteed 3 matches. Team sponsorship welcomed
To enter a team/further details contact Steve Strong 07990550724 [email protected]


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Product description
Deep purifying, cleansing gel that removes traces of dirt, residue and oil without leaving skin feeling dry or tight. Enriched with salicylic acid helps clean pores deeply, removing dead skin. Sage mild acts as antiseptic that reduces skin imperfections. Hamamelis tightens pores and regulates sebum secretion and oiliness. Aloe moisturises skin and relieves irritation. Use daily on face and body.
- Volume: 250ml
- Suitable for oily skin
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Open a Debenhams Credit Card today and receive up to 20% off.
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