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Top Climate Scientists Urge Clinton to Fully Consider Keystone XL's Impact on Climate Change
Ten of the nation's top climate scientists released a letter to Secretary of State Hillary Clinton today, urging the State Department to conduct a serious review of the climate change impacts of the Keystone XL pipeline.
"At the moment, your department is planning to consider the effects of the pipeline on 'recreation,' 'visual resources,' and 'noise,' among other factors," wrote the scientists. "Those are important—but omitting climate change from the considerations is neither wise nor credible."
The State Department is currently accepting comments on the scoping evaluation that will determine what environmental considerations will be included in the supplemental environmental impact statement (SEIS) required for the northern leg of the Keystone XL pipeline.
The department's previous pipeline environmental impact statement downplayed climate risks by arguing that the tar sands would be developed with or without Keystone XL and therefore the project had no responsibility for the additional greenhouse gas emissions that come from burning tar sands oil.
"Keystone became the biggest environmental cause of Obama's first term—and the reason most of those who marched and went to jail gave for their concern was the climate impact of those vast tar sands," said May Boeve, executive director of 350.org. "It would be ironic in the extreme if the State Department didn't take the issue seriously in its review."
A coalition of environmental groups including 350.org, Center for Biological Diversity, CREDO, the Natural Resources Defense Council, the National Wildlife Federation and Sierra Club are collecting hundreds of thousands of comments on the SEIS scoping evaluation that will be delivered to the State Department before the July 30 comment deadline.
The full text of the letter follows:
July 17, 2012
Dear Secretary Clinton,
We are writing to ask that the State Department conduct, as part of its evaluation of the Keystone XL pipeline proposal, a serious review of the effect of helping open Canada's tar sands on the planet's climate.
At the moment, your department is planning to consider the effects of the pipeline on "recreation," "visual resources," and "noise," among other factors. Those are important—but omitting climate change from the considerations is neither wise nor credible. The vast volumes of carbon in the tar sands ensure that they will play an important role in whether or not climate change gets out of hand; understanding the role this largescale new pipeline will play in that process is clearly crucial.
We were pleased that President Obama saw fit to review this project more carefully; it would be a shame if that review did not manage to comprehensively cover the most important questions at issue.
John Abraham
Associate Professor, School of Engineering
University of St. Thomas
Ken Caldeira
Senior Scientist
Department of Global Ecology
Carnegie Institution
James Hansen
Research Scientist
The International Research Institute for Climate and Society
The Earth Institute, Columbia University
Michael MacCracken
Chief Scientist for Climate Change Programs
Climate Institute
Michael E. Mann
Professor of Meteorology
Director, Earth System Science Center
The Pennsylvania State University
James McCarthy
Alexander Agassiz Professor of Biological Oceanography
Harvard University
Michael Oppenheimer
Albert G. Milbank Professor of Geosciences and International Affairs
Woodrow Wilson School and Department of Geosciences
Princeton University
Raymond T. Pierrehumbert
Louis Block Professor in the Geophysical Sciences
The University of Chicago
Richard Somerville
Distinguished Professor Emeritus and Research Professor
Scripps Institution of Oceanography
George M. Woodwell
Founder, Director Emeritus, and Senior Scientist
Woods Hole Research Center
EcoWatch Daily Newsletter
What Does 'Recovered From Coronavirus' Mean? Four Questions Answered
By Tom Duszynski
The coronavirus is certainly scary, but despite the constant reporting on total cases and a climbing death toll, the reality is that the vast majority of people who come down with COVID-19 survive it. Just as the number of cases grows, so does another number: those who have recovered.
In mid-March, the number of patients in the U.S. who had officially recovered from the virus was close to zero. That number is now in the tens of thousands and is climbing every day. But recovering from COVID-19 is more complicated than simply feeling better. Recovery involves biology, epidemiology and a little bit of bureaucracy too.
How does your body fight off COVID-19?
Once a person is exposed the coronavirus, the body starts producing proteins called antibodies to fight the infection. As these antibodies start to successfully contain the virus and keep it from replicating in the body, symptoms usually begin to lessen and you start to feel better. Eventually, if all goes well, your immune system will completely destroy all of the virus in your system. A person who was infected with and survived a virus with no long-term health effects or disabilities has "recovered."

On average, a person who is infected with SARS-CoV-2 will feel ill for about seven days from the onset of symptoms. Even after symptoms disappear, there still may be small amounts of the virus in a patient's system, and they should stay isolated for an additional three days to ensure they have truly recovered and are no longer infectious.

What about immunity?
In general, once you have recovered from a viral infection, your body will keep cells called lymphocytes in your system. These cells "remember" viruses they've previously seen and can react quickly to fight them off again. If you are exposed to a virus you have already had, your antibodies will likely stop the virus before it starts causing symptoms. You become immune. This is the principle behind many vaccines.

Unfortunately, immunity isn't perfect. For many viruses, like mumps, immunity can wane over time, leaving you susceptible to the virus in the future. This is why you need to get revaccinated – those "booster shots" – occasionally: to prompt your immune system to make more antibodies and memory cells.

Since this coronavirus is so new, scientists still don't know whether people who recover from COVID-19 are immune to future infections of the virus. Doctors are finding antibodies in ill and recovered patients, and that indicates the development of immunity. But the question remains how long that immunity will last. Other coronaviruses like SARS and MERS produce an immune response that will protect a person at least for a short time. I would suspect the same is true of SARS-CoV-2, but the research simply hasn't been done yet to say so definitively.

Why have so few people officially recovered in the US?
This is a dangerous virus, so the Centers for Disease Control and Prevention is being extremely careful when deciding what it means to recover from COVID-19. Both medical and testing criteria must be met before a person is officially declared recovered.

Medically, a person must be fever-free without fever-reducing medications for three consecutive days. They must show an improvement in their other symptoms, including reduced coughing and shortness of breath. And it must be at least seven full days since the symptoms began.

In addition to those requirements, the CDC guidelines say that a person must test negative for the coronavirus twice, with the tests taken at least 24 hours apart.

Only then, if both the symptom and testing conditions are met, is a person officially considered recovered by the CDC.

This second testing requirement is likely why there were so few official recovered cases in the U.S. until late March. Initially, there was a massive shortage of testing in the U.S. So while many people were certainly recovering over the last few weeks, this could not be officially confirmed. As the country enters the height of the pandemic in the coming weeks, focus is still on testing those who are infected, not those who have likely recovered.

Many more people are being tested now that states and private companies have begun producing and distributing tests. As the number of available tests increases and the pandemic eventually slows in the country, more testing will be available for those who have appeared to recover. As people who have already recovered are tested, the appearance of any new infections will help researchers learn how long immunity can be expected to last.

Once a person has recovered, what can they do?
Knowing whether or not people are immune to COVID-19 after they recover is going to determine what individuals, communities and society at large can do going forward. If scientists can show that recovered patients are immune to the coronavirus, then a person who has recovered could in theory help support the health care system by caring for those who are infected.

Once communities pass the peak of the epidemic, the number of new infections will decline, while the number of recovered people will increase. As these trends continue, the risk of transmission will fall. Once the risk of transmission has fallen enough, community-level isolation and social distancing orders will begin to relax and businesses will start to reopen. Based on what other countries have gone through, it will be months until the risk of transmission is low in the U.S.

But before any of this can happen, the U.S. and the world need to make it through the peak of this pandemic. Social distancing works to slow the spread of infectious diseases and is working for COVID-19. Many people will need medical help to recover, and social distancing will slow this virus down and give people the best chance to do so.

By Elizabeth Claire Alberts
The future for the world's oceans often looks grim. Fisheries are set to collapse by 2048, according to one study, and 8 million tons of plastic pollute the ocean every year, causing considerable damage to delicate marine ecosystems. Yet a new study in Nature offers an alternative, and more optimistic view on the ocean's future: it asserts that the entire marine environment could be substantially rebuilt by 2050, if humanity is able to step up to the challenge.
- 3 Ways UN Leaders Can Restore the World's Oceans - EcoWatch ›
- We Still Have Time to Restore Our Climate. But the Climate Time ... ›
- Coral in Crisis: Can Replanting Efforts Halt Reefs' Death Spiral ... ›
Black and Hispanic Americans Suffer Disproportionate Coronavirus Infections
Across the country, the novel coronavirus is severely affecting black people at much higher rates than whites, according to data released by several states, as The New York Times reported.
- New Drilling and Fracking in California Will Hurt Latino Communities ... ›
- First-of-Its-Kind Study Finds Racial Gap Between Who Causes Air ... ›
- Environmental Negligence vs. Civil Rights: Black and Hispanic ... ›
By Zulfikar Abbany
Bread has been a source of basic nutrition for centuries, the holy trinity being wheat, maize and rice. It has also been the reason for a lot of innovation in science and technology, from millstones to microbiological investigations into a family of single-cell fungi called Saccharomyces.
Chemical leavening
If you like a little heft in your loaf, you will need a leavening agent.

For those short on time, you can use baking soda. That's a chemical compound of sodium bicarbonate mixed with potassium bitartrate, or cream of tartar.

Soda breads have their traditions in parts of eastern and central Europe, and in Ireland and Scotland, with Melrose loaves and "farls."

They can taste a bit bland, though, and are often considered only as an emergency solution on Sundays. No disrespect intended: They taste just fine fresh from the oven.

Whether it's chemical or more "natural," leavening relies largely on the production of carbon dioxide.

When you mix an acid, such as vinegar, buttermilk, yogurt or apple cider, with an alkaline compound like baking soda, you get CO2. That CO2 creates bubbles, which in turn capture steam in the oven and allow a bread to rise.

But it's better with yeast. Tastes better, too. It just takes more time.

What is yeast?
There are yeasts all around us — on grains, in the air, in biofuels. It even lives inside us, but that's not always a good thing.

Candida yeast can cause infections of the skin, feet, mouth, penis or vagina if it builds up too much in the body.

One of the most common yeasts, however, is Saccharomyces cerevisiae. That's "brewer's" or "baker's" yeast.

You can get fresh baker's yeast, often in 42-gram (1.48-ounce) cubes, or as dried yeast (quick action or active, which requires rehydration) in a sachet of 7 grams.

There's little difference: One is compressed and the other is dehydrated and granulated. But they do the same thing, essentially.

Some commercial yeast producers add molasses and other nutrients. But natural yeast has plenty of useful nutrients in it anyway, including B group vitamins, so who knows whether it's good or necessary to add them.

How does yeast work?
When you mix flour, yeast and water, you set off a veritable chain reaction. Enzymes in the wheat convert starch into sugar. And the yeast creates enzymes of its own to convert those sugars into a form it can absorb.

The yeast "feeds" on the sugars to create carbon dioxide and alcohol. The yeast burps and farts, releasing gases into the mix, and that creates bubbles to trap CO2.

It's a vital fermentation process that breaks down the gluten in the flour and helps make your bread more digestible.

The yeast cells split and reproduce, generating lactic and carbonic acid, raising the temperature and ultimately adding flavor to the mix.

The longer you leave the yeast to do its thing, the better for your bread. Time is more important than the amount of yeast.

In fact, that's an enduring question — how much yeast? I'll use 20 grams fresh yeast for 500 grams of flour. Others say that's enough yeast for 1 kilo. If you are converting a dry-yeast recipe to fresh yeast, some bakers advise tripling the weight. So, if a sachet of dried yeast is 7 grams, your fresh yeast is 21 grams.

But that also depends on the flours you are using, temperatures in the bowl and the room, and a host of other things. You'll just have to experiment and see. No number of books (and I've read a stack on bread) will help as much as trial and error.

Wild yeast: Sourdough
So, good bread needs time. If you have a lot of time, why not move it up a notch and grow wild yeast — a sourdough starter — in your own home?

A sourdough starter is not to be mistaken (as it often is) for the leaven, or "mother," "sponge," or levain. That's more a second stage, a descendant of the starter. You take a scoop from your starter and add it to another flour and water mixture when you prepare the dough for a new loaf.

The sourdough process utilizes yeasts naturally present in flour and … yet more time. A longer fermentation process allows a richer lactic acid bacteria lactobacilli or LAB to evolve, and that can be healthy for your gut microbiome.

It's simple enough to start a sourdough starter. All you need is flour, warm water and time.

Some suggest equal measures of whole-grain flour and water at 28 degrees Celsius (82 degrees Fahrenheit), some say room temperature — just don't let the water exceed 40 C or the yeasts will die. Some suggest two parts flour to three parts water. But it's up to you whether you want a drier or wetter starter. You will know only through experimentation.

Some say you should filter tap water to remove chemicals like fluoride and avoid using water that's boiled and then cooled. Others say that really doesn't matter.

The main thing is, keep it clean and give it time. Days, weeks, months and years.

- The 7 Healthiest Types of Bread - EcoWatch ›
- This Home-Baked Bread Can Help You Rise Above Industrial Food ... ›
- How Does Sourdough Get Its Unique Flavor? - EcoWatch ›
The biodiversity loss caused by the climate crisis will be sudden and swift, and could begin before 2030.
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Construction Consumer Products Metals & Materials Safety Environment Transportation Chemicals Energy Medical Quality
Statistical Intervals of the Nonparametric Type
A. In several previous articles of this column we have discussed confidence, prediction and tolerance intervals where the underlying distribution was of the normal type. In this article we develop these concepts further using nonparametric methods that do not assume an underlying normal distribution. We continue to assume that the sample is a random representation of a population or from a process in a state of statistical control.
We turn first to prediction-type intervals when we do not know the underlying distribution of the variable. In this scenario, the practitioner has a random sample of n observations taken from some population or process under study and would like to create an interval using the sample maximum and/or minimum that predicts one or more future values with some confidence C. Any such set of n observations will partition the support of the distribution into n + 1 compartments or blocks. For example, if we have four observations we get 4 + 1 = 5 compartments. This is depicted below in Figure 1, using an arbitrary distribution, for the case of n = 4. The subscripts in the diagram denote the ordered values in the sample: the so-called order statistics. Thus x(1) is the smallest value and x(4) the largest in this example, and so on.
Associated with each compartment is its probability (area under the curve) and, surprisingly, this may be shown to be 1/(n + 1) on average for all such compartments and for any distribution so partitioned. From these simple facts, we can estimate the probability that the next value will fall between any two order statistics. For example, if n = 9, the estimated probability that the next observation will fall below the largest observed value is approximated as 9/(9 + 1) or 0.9. It is common practice to call this estimated probability the "confidence" in the interval. This same confidence could also be applied to a future observation being greater than the smallest observed value in n. Both of these cases are examples of one-sided intervals. That is, the first interval is of the form (-?, x(n)] and the second of the form [x(1), ?), where x(1) and x(n) are the sample minimum and maximum values. One-sided intervals are very important in practice since many types of properties are bounded either as a maximum or a minimum.
If we wanted to use the same interval as a basis for predicting several, say k, future observations, then the formula for the associated confidence is adjusted as C = n/(n + k) for either interval. For example, suppose n = 22, and we wanted to use the sample maximum as an upper bound for the next three observations and wanted to know the associated confidence in this interval. The answer is C = 22/(22 + 3) = 0.88, or 88 percent. It is not difficult to determine the sample size for a single-sided interval that would predict where the next k observations would fall. This is n = kC/(1 - C). Thus, for 95 percent confidence and k = 3, we should use a sample size of 57. It is also a simple matter to create intervals using arbitrary order statistics, although intervals based on the sample minimum and maximum are more common.
Next, consider the case where the interval is constructed from the largest and smallest values in the sample. This is an interval of the form [x(1), x(n)]. Using this interval as a basis for predicting the next (k = 1) observation carries a confidence of C = (n - 1)/(n + 1). Thus, if n = 22, then C = 21/23 = 0.913, or 91.3 percent. We summarize these basic cases below.
Case 1: The next k observations are less than the maximum (or the next k values are greater than the minimum) with confidence C.
Case 2: The next single value falls between the sample minimum and maximum with confidence C.
We can also calculate the confidence that the next k observations will fall between the maximum and the minimum of the original sample. The formula is not as intuitive as the single observation case, but by a subtle conditional probability argument it may be shown that the formula is Equation 3 below.
Case 3: The next k observations fall between the sample minimum and maximum.
Suppose one has 39 observations and wants to use the sample minimum and maximum as a prediction interval for the next two observations. What is the confidence in using this interval? Using Equation 3, we find that C is 0.903, or approximately 90 percent. Note that in Equation 3, when m = 1, the formula reduces to Equation 2 for the single value prediction.
If we have 19 observations where the smallest value is 23.48 and the largest is 39.57, the confidence that the next observation lies between these two values is (19 - 1)/(19 + 1) = 0.9, or 90 percent confidence. The confidence that the next observation falls below the maximum (or above the minimum) is 19/(20 + 1) = 0.905, or 90.5 percent confidence.
Assuming we have n = 29 observations, what is the confidence that the next m = 3 observations fall between the minimum and the maximum of the original sample.
or approximately 82 percent confidence.
We can also develop the confidence level for cases of prediction for k out of the next m observations, but these cases are less common and more complicated to use. Interested readers should consult Mathematical Statistics by S. S. Wilks for details.1 It is important to note that the prediction interval is similar to a confidence interval in that the capture probability (confidence) is a long run result. That is, confidence is the long run proportion of cases, under the same conditions and with differing data that would predict correctly what we say it would. For this and many other cases, including a comprehensive literature reference readers are encouraged to see Statistical Intervals: A Guide for Practitioners, by G. J. Hahn and W. Q. Meeker.2
1. Wilks, S. S., Mathematical Statistics, John Wiley & Sons, New York, N.Y., 1963.
2. Hahn, G. J., and Meeker, W. Q., Statistical Intervals: A Guide for Practitioners, Wiley InterScience, John Wiley and Sons Inc., New York, N.Y., 1991.Stephen N. Luko, United Technologies Aerospace Systems, Windsor Locks, Conn., is an ASTM fellow; a past chairman of Committee E11 on Quality and Statistics, he is current chairman of Subcommittee E11.30 on Statistical Quality Control.
Dean V. Neubauer, Corning Inc., Corning, N.Y., is an ASTM fellow; he serves as chairman of Committee E11 on Quality and Statistics, chairman of E11.90.03 on Publications and coordinator of the DataPoints column.
Go to other DataPoints articles.

subset: commoncrawl


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Planet Mu's latest wunderkind is 18-year-old David Davis, whose debut as Young Smoke will be a feast to anyone who grew up on Game Boy soundtracks. Possibly inspired by one of the worlds from Super Mario Land 2 (and definitely by the futuristic footwork of Kuedo's album Severant ), Space Zone is arcade synth melodies set to heavy, 160bpm rhythms. As adventurous as it is tuneful, and sealed in cover art even Def Leppard wouldn't sign off, it's an aggressive little record that takes you into the cosmos without making you leave your bedroom or put down the joypad.
There's a psy-trance edge to Space Zone which Davis offsets with as many mad effects as he can. Most of the tracks here burst with excitement: 'Warning' is a radiation siren over lumbering footwork beats, while 'Let Go' puts ethereal pads to funk vocals. The opening title track is a shot of pure 8-bit nostalgia; Mario coins and vocodered voices, an engaging recipe which Davis wisely reuses on 'Space Muzik Pt. 2' - a game of Asteroids where you get to shoot bass as well as rocks - and the hybrid percussion/scratching of 'Futuristic Musick'.
Only twice does Space Zone become so rabid it risks losing its gamer audience. 'Traps In Space' drops queasy horror synths into the soundtrack from GoldenEye 64 (they don't mix), and the non-stop expletives on 'High Den A Mother Fucka' quickly get tiring. Otherwise Davis stays on the ball, even branching out into pop beats outside of his signature sound. 'Believe In Me' ditches computerised antics in favour of piano-led R&B, its beat racing as it grapples with romance. There's some zaps in the background but otherwise it's a nice stand-in for the recommended break that all those instructions/loading screens begged us to take from playing.
Whichever approach he takes, Young Smoke is determined to make his debut more memorable than a simple video game OST. Space Zone has enough breaks, beeps and drops to get most electronica fans moving, and to anyone whose formative years were spent hammering buttons this record's going to be more fun than Wreck It Ralph. It's hard not to love the darting, demented adventures that make up so much of Space Zone, and if this is what today's kids can make of consoles older than they are, imagine what the teenagers in 2030 are going to do with Guitar Hero.
8George Bass's Score


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Ask An Atlanta Expert: Thanksgiving Crafts For Kids
For many families, part of the lead up to the holidays is arts and crafts with your children. Such is and was the case for Powder Springs resident Grace Martin. A hobbyist, Martin spent the last 30 years as a teacher...Read more


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Nicely done. :)
GRIM AGE is a project, which has been in development for 3 years. Right now we're close to release of the first version of a mod. Our project is separated for two parts - single player (Ostland Campaign) and multiplayer sub-mod (Skirmish). We're gonna release Skirmish first, that is why all information you may find here is about it. SP part of our project will get it's own MODDB page when it's time is right.
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.
Got inspired by the Empire starting scene idea so I made something that could fit for it.


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Tag Archives: Florida
My Surf Story
I was 15 years old when I first discovered the sport of surfing. Classmate Glen Ford had a board that was spray painted in camo colors, a single fin and it was about 9 feet long. The cracks in it were yellow where the foam had soured, and it was soft in some spots, filled with water. I don't remember how much I paid him for it, but I bought it and then headed down to SkiWorld for a new bar of wax to slather onto it.
I think I went to New Smyrna with my best friend Noel and his family on my first adventure with that crazy board. I surfed all day with Bullfrog sunscreen burning my eyes and saltwater getting up my nose everytime I crashed, but I was hooked! Eventually I moved on to a Fluid Dynamics board, yummy yellow colored with 3 fins, boy could that stick fly, and it taught me how to really surf.
Surfing became my obsession and I would go as often as I could. My school notebooks had drawings of waves and palm trees on them, I would study the stack of magazines I bought at the 7-11 and memorize all of the tropical paradises and reef breaks that they featured in every issue. I watched VHS tapes of the professionals on tour, and wore my Vans sneakers and surf team T-shirts. I blended with the other surfers on the East Coast and became pretty good at riding the waves.
Eventually I made my way over to California, the Bahamas and Barbados for the thrill of something different. My obsession was real and I knew that one day I would ride for money…..until one afternoon I was the passenger in a horrible automobile accident on a trip back home from the beach. Physically I wasn't too terrible, but something in my brain clicked that let me know that I would have to be a whole lot better to make a living at this sport. My dream of becoming a professional surfer was over…….but, like in life, there were other options.
My mom purchased my first 35mm film camera for me around this time and I quickly found that I had an eye for camera work. Everywhere I went I took my Ricoh and would shoot contests, surfer girls, crazy haircuts and beautiful sunsets, just like the images in the magazines. I would sit for hours, waiting on a perfect wave or scene, snapping only when the moment was right. Film in those days was pricey and developing was time consuming, so unlike today's digital shooters, I was very selective in what I shot.
Moving on I eventually starting shooting video and producing my own television show on the Sunshine Network. I would film surf contests and sell advertising to cover my costs. I had a great thing going, shooting with Natural Art Surfboards in Barbados, and watching Kelly Slater come up as well as getting a few waves myself. I miss those days and looking back I realize that I now want my two boys to experience that same feeling.
The three of us have been getting a lot of surfing in lately and we will be going again today. I can sense that they are starting to feel the rush of adrenaline that comes with being in the water, and I think they really enjoy the sport! I truly love it when they tell me their goals and dreams, and I can only help to guide them in the right direction…….
……….Yesterday I was on assignment in Melbourne Beach and was finishing up around 5:30. Traffic was bad heading back to Orlando so I decided to head over to the beach and check the waves. I parked and heard the roar of the ocean as I walked through the parking lot and up onto a beach boardwalk. There were a few surfers out and another father resting on the overlook. We spoke and he informed me that his son and other members of the Satellite Beach High School surf team were a few streets down and that they were "ripping it"!
I thanked him for the tip, smiled as I waved goodbye and headed on down the street. I was immediately taken back to my youth as I saw the team slaying each and every wave that pushed itself onto the shore. These kids were killing it, smiling the entire time. I was in Nirvana. Something in me came back to life as the salt air mixed with the shouting in the water made me feel like I was a youngster once again. Not having my new surfboard with me I grabbed a camera and filmed for two straight hours and saw some amazing surfing.
One more thing I saw yesterday was a young cameraman named Marcus who was shooting in the surf with his underwater housing. He was working everytime a wave pushed through, snapping images and ducking when his peers flew down the line right towards him. He has the drive and the passion that I have been missing of late, and I want to thank him for showing me that there is still someone with that surfing soul in him. I will see you soon again my friend……
Here are a few of the images that I captured as the sun was starting to go down.
Posted in Uncategorized Also tagged Alex Menendez, East Coast, Marcus Cote, Melbourne, Photography, Satellite Beach High School, Surf, Surfer, Surfing, Tommy Lueck Comments Off on My Surf Story
Boxing Art
What of week of boxing coverage!
Those of you that are new to this photo blog may not know that I religiously cover the sport of boxing and usually travel out of state to do so. However the "Sunshine State" is home base for me, and this week it was incredible! I had to opportunity to once again film Puerto Rican superstar Felix Verdejo at the Kissimmee Boxing Gym, then over to the AllStar Telemundo boxing televised event at the Kissimmee Civic center with good friend Orlando Cruz as the headliner, and finally my first trip in a very long time to the center of the state, the Florida Orange Event Center in Lakeland.
Keep in mind that I've filmed at the biggest boxing venues in the U.S. and have come to expect very good lighting…..well, last night failed, or so I thought.
Upon walking into the venue, I was blown away by the lack of lights on the ceiling. There was no lighting grid whatsoever, just a bunch of hanging wires and garage type halogen lights that anyone could easily buy from the local Home Depot. The colors were mismatched to say the least, and the flourescents were flickering, but we do what we can as professionals, right?
The venue itself was a very old nightclub with broken walls, busted up floor and a stage for the band that was off to the side, it reminded me that Roadhouse feel, you know, identical to the old Patrick Swayze film……
I set my Canon 1DX to ISO 500 with a 24-70 2.8 and was lucky to be able to get a shutter speed of 250…I strive for 500 or higher, but this was the best I could do.
There were a number of other photographer friends at this event along side me as a very hot rising up and comer was fighting. Radivoje "Hot Rod" Kalajjdic is undefeated and has been signed to a contract by Dibella Entertainment, one of the sports largest promoters.
We all took our spots on the apron and started the first of six fights that were on the card. Surprisingly, the sucky light was making for some very artistic images. I struggled at first in getting sharp images, but once i got into the groove, the night turned into a very enjoyable photography experience. The cycling of the flourescents made every sequence of shots white, they yellow then blue. Three consecutive images, three different colors. Custom white balance and fluorescent white balance had no effect on the images…they were what they were…nature of the beast.
Hot Rod won his match by first round knock out and the hometowm crowd roared in delight as the fights came to an end. I will admit, the tacos at the venue were world class, especially with fresh lime on them, probably the second best mexican ever. If your are wondering if I will ever go back to this place….
….the answer is a resounding Yes, in a heartbeat! Thanks again FLORIDA.
More pictures here: http://alexmenendez.photoshelter.com/#!/index/G00000Olm9XZUI_8
Posted in Uncategorized Also tagged Advertising, Alex Menendez, ART, Boxeo, Boxing, Canon, fights, Lakeland, Light, lighting, Photography Comments Off on Boxing Art


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Only 1,988 Miles! Boasts 35 Highway MPG and 26 City MPG! KBB.com 10 Best SUVs Under $30,000, KBB.com Best Resale Value Awards. This Toyota RAV4 has a strong Regular Unleaded I-4 2.5 L/152 engine powering this Automatic transmission.* This Toyota RAV4 is a Bargain with These Options *SPECIAL COLOR, BLIND SPOT MONITOR W/LANE CHANGE ASSIST.* Stop By Today *Stop by Gloucester Toyota located at 6357 George Washington Highway, Gloucester, VA 23061 for a quick visit and a great vehicle!
Tax, title, tags and $599 processing fee are not included in the vehicle prices shown. While great efforts are made to ensure the accuracy of the information on this site, errors can occur. Pease verify information with our Internet Sales Team by calling (804) 693-2100.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 5.9% interest and 20% downpayment.
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6357 George Washington Memorial Highway • Gloucester, VA 23061Get Directions
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Window Pane Smart Check Bomber
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Delivery info
Delivery option Delivery times Delivery cost Danish Standard Delivery 8-11 business days kr 39,90 per order Denmark Express Up to 3 business days kr 199,90 per order
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We hope you are satisfied with all of your purchases but if you ever need to return an item, you can do so within 60 days from the date shown on your dispatch note.
Please note, we cannot offer refunds on cosmetics and pierced jewellery or on swimwear and lingerie if the hygiene seal is not in place or has been broken.
Click here to view our full Returns Policy.


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Financial markets are constantly moving up and down throughout the day. News from around the world changes the value of companies which impacts the Market Indices and ripples through to the commodity and currency markets. With Day Trader you dont have to be a Financial Trading Expert to make money on the movement of Financial Markets.
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It is often said that as stocks fall people bury themselves in Gold and other Commodities. There is talk about Bullish versus Bearish markets. Follow the market trends or "buck" the trends as the market changes direction.
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Fixed Odds Betting Explained
Fixed Odds Financial Betting allows you to bet on the movements of various financial markets. Fixed odds betting with Day Trader offers you the opportunity to bet on whether a particular Financial Instrument will finish "above" or "at or below" a pre-determined market level within a selected time period, e.g. 5 Minute, Hourly or Daily
Fixed odds bets pay a fixed amount on expiry and losses are limited to the value of your total stake, which makes fixed odds betting an ideal introductory betting style for clients who are new to the world of Financial betting.
Your total stake, when placing a fixed odds bet is equal to the unit stake entered into the stake box of the selected instrument. For example, if you enter £20 into the stake box, the TOTAL STAKE for the bet will be £20.
Binary Betting Explained
Binary Betting moves slightly towards the world of spread betting without the risk of losing more than your stake. In a binary market one of two outcomes are possible; WIN or LOSE, represented by 0 or 100. You can either BUY or SELL a binary bet. Whether buying or selling a binary bet you will be shown your total exposure before placing the bet.
How are Stakes and Returns calculated for Binary bets?
Stake and Returns are calculated dependant on whether you have chosen to BUY or SELL.
REMEMBER:If you are BUYING a binary bet you are selecting the market level to finish ABOVE the line at the end of the selected betting period.If you are SELLING a binary bet you are selecting the market level to finish ON or BELOW the line at the end of the selected betting period.
Buying a Binary Bet / Finish above: Example 1 - Prices quoted: BUY 40 / SELL 36
Your STAKE is calculated per point, so buying the above market at £1/point means your TOTAL STAKE is £40. If the bet is a winner the market will make up at 100. Your TOTAL RETURNS in this case will be your original stake per point (£1) multiplied by 100 = £100.
Your TOTAL PROFIT is the difference between the price your bet was struck at (40) and 100, multiplied by your original stake per point (£1) = £60
Selling a Binary Bet / Finish on or below: Example 2 - Prices quoted BUY 40 / SELL 36
Your STAKE is calculated differently when SELLING a binary bet. Selling the above market at £1/point at 36 means your TOTAL STAKE is £64 and calculated as follows: (100-36) x £1/point = £64. If the bet is a winner the market will settle at 0. Your TOTAL RETURNS in this case again, will be your original stake per point (£1) multiplied by 100 = £100
Your TOTAL PROFIT is calculated per point, so SELLING the above market at £1/point at 36 means your profit is £36.
If you're still unsure of how Binary Stakes and Returns are calculated please see our Binary Stakes and Returns chart below:
Plus Android Humble Bundle, Apple/Samsung duopoly, music identity, Rihanna and...


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Level 1: Starting to Read Simple stories Increased vocabulary Longer sentences Though you can't see the wind, you can certainly feel it when the wind blows! But where does wind come from? The answer is at your fingertips. Just open this book and read about the wonders of wind....
Marion Dane Bauer is the author of many books for young readers, including the Newbery Honor book On My Honor and the New York Times bestseller My Mother Is Mine. Her other titles include A Mama for Owen, If You Were Born a Kitten, Grandmother's Song, and Thank You for Me!. She has retired from the faculty of the Vermont College of Fine Arts MFA program in Writing for Children and Young Adults where she was the first Faculty Chair. She lives in Eden Prairie, Minnesota, and can be reached at MarionDaneBauer.com.
John Wallace's formal training was not in illustration, but rather theology, which he received at Cambridge University. However, he always loved drawing, and one of his early jobs was as a newspaper cartoonist. In his children's books illustrations, John is particularly inspired by what he calls "the gooniness" of young school children. John and his family divide their time between Brighton, England, and Long Island, New York.
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Mr. Burberry Face Scrub 75ml
All orders will be fulfilled by Burberry Limited and shipped from the UK. When you place your order, you accept Burberry's Terms and Conditions and confirm that you have read our Privacy Policy.
Size Guide
Use the Size Guide to choose the best fit for your measurements.
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In this window, you can contact customer service for further assistance.
- Mr. Burberry Face Scrub gently exfoliates to clean the skin and remove impurities. The fine, non-abrasive scrub leaves the face and beard feeling refreshed, soft and supple after use. Infused with Mr. Burberry Eau de Toilette, it leaves a subtle, lasting scent.
- How to use: gently wash the face, working in circular movements to clean the skin and remove impurities.
- – Removes impurities
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- – Scented with Mr. Burberry Eau de Toilette
- 75ml/2.5fl oz
- Made in France
Item 40382801
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Vintage Mexican Sterling Silver Heavy Link Bracelet
An absolutely fabulous Vintage sterling link bracelet from the 1970's! This gorgeous piece is made of sterling silver and comprised of 18 heavy, oval shaped links which come together to form a bold, chain bracelet. The large oval links have flat sides and loop through each other creating a simple yet rich design. The clasp is incorporated into the bracelet where there is a secure hooked closure and one of the links is stamped "MEXICO", "925" and "TAXCO". The sleek, elegant style makes a bold statement for the fashion conscious woman and the bracelet is a modern, yet classic piece that could be worn alone or stacked with other bracelets.
Measurements: The bracelet measures 8.25" in length and is 1/2" at the widest point.
Condition: The overall condition of the bracelet is excellent. Besides normal surface wear, there is no apparent damage to the silver and the clasp is secure and in good working condition.


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Top Health Bloggers in India
India is home to many bloggers and health experts. Combining these we have health bloggers who constantly update you with latest Health advancements or health related news that can help you stay fit and fine over the coming years. With Increasing population and pollution of course we are moving towards the era where staying healthy becomes one of the most important and critical task of life. Health is a resource that is once lost is…Read More


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Welcome to the website of Schaaf Technologie GmbH, Germany
Our company is commited to working with all aspects of food extrusion.
Our company has two core competencies: firstly we develop innovative applications of food extrusion technology and follow up with complete product development.
Secondly, we design and produce food extruders and all related machinery required for the production of extruded snacks, breakfast cereals, co-extruded products, flat bread, instant flours etc.
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"Elysium," a new sci-fi action film starring Matt Damon and Jodie Foster, presents life in 2154 with —generally speaking—the 1% living in the idyllic space station Elysium and the 99% stuck on a very polluted and over-populated Earth.
Many of the scenes were filmed in both poor and wealthy areas of Mexico City, though much of the movie itself is set in Los Angeles. Robots and machines seem to do all the work in this dystopian future, except for tasks like cleaning, manufacturing and fighting. (If you can handle the 30-second pre-roll commercial, you can view the movie trailer here.)
What the financial industry would look like on Earth and Elysium in the middle of the 22nd Century isn't very clear in Neill Blomkamp's latest film, but we get some nuances.
There are definitely investors. The CEO of Armadyne Corporation, the builder of the space station and robots that manage security on Earth and Elysuim, speaks about the need for improved productivity, financial results and investor returns in one scene. (His name is John Carlyle, which could be a reference to today's Carlyle Group, an asset manager and private-equity firm with large investments in the aerospace and defense industries.)
The main industry we see in "Elysium," however, is the medical industry, which is dominated by overwhelmed and struggling doctors and nurses on Earth and Med-Pod machines on the space station. People on Earth do all they can to travel to the space station in order to access the Med-Pods, which cure the body of any illness or issue in seconds after verifying Elysium citizenship.
It's possible that a Fund-Pod or Money-Pod could exist on Elysium as well, though none appear in the move. Such a device might read someone's information chip (planted in his or her head) and access their electronic financial records to put together a financial plan, for instance. Or a high-level financial advisor might meet in person with wealthy clients on Elysium, only to have the portfolio management and other grunt work done by a machine, humans or both back on Earth.
Such scenarios, of course, aren't so farfetched. We know how important software and algorithms have become to the financial services field. And ThinkAdvisor blogger Michael Kitces has written recently about the rise of the so-called "robo-advisor," an online computer platform that provides financial advice directly to investors.
Kitces, however, argues that in any competition between human advisors and robo-advisors, the real winner may be "the technology-augmented human," or "cyborg advisor," who can wrestle equally with machines and humans. Future generations, he notes, may turn to firms like LearnVest, that is working with middle-market Gen X and Gen Y women—both online and offline— to better take control of their personal finances.
This middle path might prove effective with middle-market clients. Indeed, it's a strategy that Merrill Lynch employs with its mass-affluent Merrill Edge platform, helping tech-savvy consumers become more investment-savvy investors.
The trouble is that in Blomkamp's "Elysium," there is no middle market, because there is no more middle class. It's a future of haves (the 1%) and have-nots (the 99%).
Presenting a world of such extremes makes for gripping storytelling and poignant sci-fi movie making. In an age in which America's middle class continues to shrink, inequality keeps rising at a dramatic rate, and economic mobility appears to becoming more limited, however, the movie also provides us with food for thought.
For advisors and others in the financial-services business, such a future would entail many fewer clients and, hence, very little economic opportunity in both the world of the 1% and that of the 99%—a sobering presentation of what one filmmaker believes we are confronting in many ways already today and what may lie ahead of us as well.


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| 8.8°C Belfast
British actress Emilia Clarke, who has amassed fans thanks to her role in Game Of Thrones, has been named the world's most desirable woman.
In a global vote for the AskMen website, which saw more than a million votes cast, Clarke was voted top, beating the likes of Emma Watson, Jennifer Lawrence and Kate Moss.
The poll - now in its 13th year - asks readers to base their votes on sex appeal, character and talent to compile its Top 99 most desirable women of 2014 list.
Runner-up is Alison Brie from TV's Mad Men while model Emily Ratajkowski who featured nearly naked in the video for Robin Thicke single Blurred Lines was in third position.
Despite her own plentiful displays of flesh and racy performances, Miley Cyrus managed to make her debut on the list only at number 99.
AskMen publisher Mike Goldstein said Clarke's win "is attributable to the strength and character she portrays on screen, as well as the global popularity of Game Of Thrones".
"It's great to see a Brit top our list this year," he added.
Model Cara Delevingne was ranked at 13 and the Duchess of Cambridge was in 35th position.
Top 10:


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"Strength of the SWORD3″ is NOW available to PlayStation Plus members in America for the PROMO PRICE OF $1! There has never been a better time to pick up this game on the PS3! (Promo ends on 18 Nov)
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Please Share the news! We need your support to get the word out!


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Looking for vexed romance? "Salon Romantik," "Amateur Night at the Big Heart," "Date" come through
Count yourself lucky, very, if you are happily ensconced or cocooned in a relationship full of grace. Such a nice state might inoculate you some from the more complex truths unfolding on local stages this weekend.
Indeed, there is a little bit of every kind of heartache and romantic entanglement on view as three quite fine, very different riffs on romance continue with "Salon Romantik," Luciann Lajoie's "Date" and Terry Dodd's "Amateur Night at the Big Heart." Check out reviews of the latter two in today's Denver Post.
For the moment, let's focus on "Salon Romantik Opus 1: Wanderers in the Sea of Fog," since tonight and Saturday are the final days to see the darkly captivating dance performance. (work|space Denver at the Laundry, 2701 Lawrence Street, 8 p.m. controlgroupproductions.org)


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Some Adobe software, services and applications include integrated image search features, which let you search for images on websites like Google, Flickr, 500px and the Noun Project and import them directly into your own project or workspace.
To help our users respect the intellectual property rights of other photographers and creative professionals, we typically incorporate Creative Commons filters to help ensure that we return only image results from these other websites that have been tagged as licensed "for commercial use with modification." This means you should be able to reuse an image you find this way, for personal or commercial use, as long as you:
- Verify that the license label is legitimate;
- Check the exact terms of reuse stated in the license (for example, most licenses require that you give credit to the image creator); and
- Comply with the license terms.
Alternatively, you might explore whether your intended use fits within the fair use exception to copyright laws. Or, if you are outside of the United States, check the copyright laws of your own country to make sure your use is in conformance with them.
Adobe has no way of knowing whether the Creative Commons license information conveyed by Google, Flickr, the Noun Project or others is accurate. That's why you need to follow up with the person who posted the image and confirm the accuracy of the license information yourself.
In some limited circumstances, we return all image results as the default — as opposed to only content tagged as Creative Commons licensed. We do this only where the intended and likely use of the application or service is to create something that is inherently or almost certainly fair use. When we return all images, instead of just a subset of Creative Commons-tagged images, we'll let you know through the labels you'll see at the top of your image results. But it is still your responsibility to make sure you use other people's content in a manner consistent with applicable copyright laws.
To learn more about usage rights, you can read about Creative Commons licensing, review Google's information about usage rights, or review Flickr's Creative Commons page.
Thanks for respecting the rights of creative professionals everywhere.
The Adobe Copyright Agent
Flickr is a trademark of Yahoo! Inc. All other trademarks are the property of their respective owners.


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Monday, August 8, 2016
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Stratton Library
Wednesday, February 19 @ 10:00 am - 5:00 pm
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Dealer application
Apply now to get special discounted dealer pricing. CivicSolar sells to solar trade professionals, service organizations, and homeowners. While this form offers special rates to contractors, non-dealers can also benefit by signing up.
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Outdoor Activities
In Wyoming, the possibilities for an epic outdoor adventure are truly endless. Wyoming is home to two national parks, two national monuments, ranches with numerous horseback riding opportunities, thousands of miles of public lands, hundreds of miles of hiking and biking trails, epic climbing destinations, rodeos all summer long, natural hot springs, star-filled night skies and wildlife watching that can't be matched. No matter where and when you are in Wyoming, you're not far from your next outdoor adventure. Browse Wyoming's Outfitters and Guides to find a local expert to help you get your outdoor adventure started.
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Free Vacation Guide
Learn how to best experience Wyoming's national parks, where to spot wildlife,
how to find the perfect dude ranch and more.


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NEWARK ADVOCATE / SEARCH: 7326 State Route 19 U8 L28-29 Mount Gilead, OH 43338
Land -Single Family Acreage
- $13,500 price
- 219030903 mls id
Buy to Build or Buy to just have access to all the wonderful amenities that this unique lake community has to offer! Come and enjoy the lake life with a 250-acre lake for boating, skiing, fishing, kayaking, paddle boarding and more. A private beach, playgrounds, community lodge, basketball, tennis/pickleball courts, in-ground pools, nature trails, and fitness center showcase all this community has to offer! This lot sits on two parcels, E13-008-A0-028-00, E13-008-A0-029-00.
- Site Link
- Style Not Applicable
Courtesy of: CENTURY 21 Gold Standard
Office Phone: +14199479540
Listing Agent: Connie Schubert
Updated: 8th April, 2020 5:28 PM.
7326 State Route 19 U8 L28-29 Mount Gilead, OH
Real Estate | Newark Advocate Powered by Placester


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Blog of Dr. Miland Brown that features different aspects of world history. Not everything can be covered but sites dealing with any historical issue or topic are possible future posts. Also includes sites which discuss teaching history. Dr. Brown is an academic in North America.
Monday, January 16, 2006
Morgan Report
It is a Senate report issued in 1894 which examined what role the United States played in the Hawaiian Revolution of 1893. It found that the US role in the Hawaiian revolt was minimal.
The Morgan Report refutes the allegations made by James Blount in his Blount Report which was issued in 1893. Blount failed to swear in witnesses or even interview some of the key members of the revolt. Despite these flaws, the Blount Report has been online for years. It is nice to see the Morgan Report available online as well. This will help researchers and historians get a fuller view of the events of 1893 in Hawaii.
The site is set up as a Wiki but visitors can not edit the content. This is probably a good idea as I imagine that this site would get vandalized a lot from some in the Hawaiian separatist community. The site owner (Jere Krischel) will issue accounts to anyone who wants to help out with the project though.
From the site:
The "Morgan report" is today's name for a report to the U.S. Senate by its Committee on Foreign Relations, whose chairman was Senator John T. Morgan, Democrat of Alabama. Senate Report 227 of the 53rd Congress, second session, was dated February 26, 1894.
The Morgan report was printed as part of a large volume containing other government documents: "Reports of Committee on Foreign Relations 1789-1901 Volume 6." In that volume the "Hawaiian Islands" section begins with its own title page being page 360. The actual content of the Morgan report doesn't begin until page 363 of the larger volume 6. The page numbers shown on this webpage are the same as printed in the larger volume 6. Therefore, anyone desiring a page number for the Morgan report as though it is a stand-alone document should subtract 359 from the numbers shown on this webpage.
In what may have been a surprise to Cleveland, the Morgan Report thoroughly repudiated the conclusions of Blount, and with the Morgan Report's conclusion, the matter was legally closed. Cleveland explicitly accepted the conclusions of the Morgan Report, continuing to engage in international relations with the Provisional Government, recognizing the Republic of Hawaii, and even negotiating treaties originally ratified under the Kingdom government with the Republic.
Although sovereignty activists insist that the Provisional Government was a puppet government, installed by the U.S., as per Cleveland's December 18, 1893 letter to Congress, it is critical to note that with the submission of the Morgan Report on February 26, 1894, Cleveland accepted that his original assertions were in error.
2 comments:
- Philip H said...
It's ironic (and hypocritical) that the "Morgan Report" site is set up as a wiki yet no one else is allowed to comment on it. The purported favoring of the Morgan Report is a view held mainly by Jere Krischel, who appears to be responsible for the online presence and mentions of this document. Can anyone say Google Bomb? The Blount Report's conclusions may have been contradicted a year later, but they have been upheld in the court of history. It is the Blount Report that receives official recogition by the State of Hawaii and the University of Hawaii:
- M said...
"It's ironic (and hypocritical) that the "Morgan Report" site is set up as a wiki yet no one else is allowed to comment on it."
A wiki is a type of web site development tool. Many wikis are protected and only allow a selected community to edit. This is hardly hypocritical. If it is, so then are the dozens of sites out their with the words Hawaiian Nation or Kingdom on them which carry only the Blount Report and do not allow comments from those who realize the flaws inherent in that report.
"Can anyone say Google Bomb?"
The Morgan Report is a public domain government document. Anyone can scan it and put it online. Nor is Jere Krischel the only one linking to it. Checking the backlinks on the site shows many he could not have possibly added including the one on this blog.
"The Blount Report's conclusions may have been contradicted a year later, but they have been upheld in the court of history."
I hardly think all scholars agree with this view. The evidence is not there. If the USA invaded Hawaii in 1893, it is one of the few invasions in history with no battles, fighting, or causalities. US troops took possession of no buildings although local rebels (many of them Hawaiian Kingdom citizens) did. The United States government even condemend the coup and attempted to restore the Queen!
I think the Cleveland Administration used the Blount Report in an attempt to smear the foreign policy of President Harrison. This is why Blount only interviewed certain people and refused to talk to others. The Morgan Report was bipartisan, swore in all witnesses, and found a very different conclusion than did Blount. You may not like the Morgan Report much, but it is not easily dismissed.
"It is the Blount Report that receives official recogition by the State of Hawaii and the University of Hawaii."
The grant that created this page at the University of Hawaii claimed that the Morgan Report would be scanned and put online as well. See http://libweb.hawaii.edu/digicoll/grants/SEED/seed2.html. While they did not do this, the site does have a link to the Morgan Report site linked to in this post.
As far as the State of Hawaii only recognizing Blount...Do you really believe that any government is an authority on history? Go ask Turkey about the Armenian genocide or the US Congress about weapons of mass destruction in Iraq. Perhaps Hawaii has political reasons for only acknowleding one report and not another?
I realize the popular and politically correct view of history does not allow for any other than the orthodox view of Hawaiian history. Unfortunately, that view appears in retrospect to be revisionist and ignore a great deal of facts. This view is also being used by a small minority of residents in Hawaiito secede from the USA without a vote of all Hawaiian citizens. (And it is secession not restoration. The international community fully recognizes American rights to Hawaii.)
The Morgan Report adds a great deal to the study of Hawaiian and American history. Even if you disagree with it, it is great that it is up to study. Jere Krischel has provided a real service to historians and the public at large. If you would like to put the Morgan Report up and put your own commentary on it (critical or otherwise) go ahead! If you let me know, I'll even give you a link from this blog.
Thanks for commenting and best wishes.


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P: 804-798-6336 | St. James the Less Episcopal Church in Ashland, VA 23005 | MAP
Whoever you are and whatever has brought you here, we welcome you.
We truly are a growing and active community of believers. Based in Ashland, Virginia, we work to serve our community by offering worship opportunities, unique ways to grow your faith through study and opportunities to encounter God through serving others. If you are looking for a church community, visit us on Sundays at 8am and 10am. Thank you.
Know More
We worship at 8am and 10am Sundays and 7:30am on Wednesdays.


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Income Cover
Income Protection Cover is a monthly benefit designed to replace your income should you suffer a total or partial disability which leaves you to be unable to earn your normal income.
This type of insurance can also be known as Income Protection Insurance and Disability Income Protection, and other similar insurances which may be recommended in some circumstances include Mortgage Protection Cover which protects mortgage repayments and Key Person Cover or Business Continuity Cover which has been designed for self-employed and business owners.
Ask yourself these questions;
- How long are you able to survive without an income?
- How much of your income could you survive on?
- Would you be able to stay in your house if your income ceases tomorrow?
- Would you be able to stay in your house if your Income Protection Cover benefit stops in 'say' 2-years?
Most people need a regular income, and if their income ceases it would not take long before financial troubles hit.
Furthermore, we do not want to rely on charity or state assistance.
In New Zealand, we are lucky to have ACC which may assist if an accident is determined as the cause of your inability to work, and if caused by an illness you could apply for a sickness benefit which is now known as a jobseeker support benefit. These state benefits are designed to offer support when needed, but there are many examples where people do not get what they had expected.
Private insurance is designed to provide certainty.
What Is Income Protection Cover?
Income Protection policies protect your largest asset (your ability to earn an income) by providing a replacement income should you suffer an injury or illness that results in a total or partial disability which leaves you to be unable to earn your normal income.
Most New Zealanders are reliant on their income and this is why most insurance advisers will say this is the most important insurance policy that you will ever have. It is therefore critical that you get the best policy and there is a lot of differences within the various policies that make having good advice crucial.
If you are self-employed you need to ensure that you have the right policy as many policies will not provide adequate protection for you at claim time.
Understanding Your Income Protection Insurance
People earn income in different ways and therefore you will find a range of different Income Protection Insurance policies designed to suit these different situations.
There are three common types of Income Protection Insurance policies which determine how your benefit is calculated;
Indemnity Cover
The most commonly available Income Protection Cover uses the 'indemnity' definition which means at the time of applying for the insurance you select your income and therefore the amount of cover you require. It is then up to you at claim time to prove that you were earning the stated income and your claim will be assessed on your loss.
This is the most common type of policy because bank staff and many insurance brokers find it is the easiest to apply for, not because it is the best Income Protection Insurance cover.
Agreed Value Cover
An 'agreed value' definition simply means the insurance company agrees on the amount they will insure you for so that you are only paying for what you are covered for, and more importantly you have certainty at claim time.
Anyone who is self-employed or has income from multiple sources should consider the 'agreed value' definition, but there are good reasons that would suggest everyone should opt for a policy that offers certainty at claim time.
Loss of Earnings Cover
The 'loss of earnings' definition is often going to be the most appropriate Income Protection Insurance policy as it offers you the choice (at claim time) of how your loss of earnings is determined.
This can make a big difference if there is any ongoing income or entitlements (ACC etc) that may be available to you.
Your Mortgage Link adviser can explain all of the differences so you can make an informed decision and ensure that your Income Protection Cover will work for you should you ever need to make a claim.
In some cases Mortgage Protection Insurance may be more suitable; however many of these policies provide limited cover.
Options Within Your Income Protection Policy
Most Income Protection Policies can be tailored to suit your individual financial situation and budget.
The key choices within most policies include;
Amount of Cover – most policies now allow you to cover up to 75% of your income, but you need to determine how much of your income you need to insure.
Waiting Periods – this is like an excess and determines how long you need to be unable to work before you are eligible for a claim. The options are generally, 2-weeks, 4-weeks, 13-weeks, 26-week and 52-weeks with the cost of the cover increasing with the shorter wait periods.
Benefit Periods – this is how long you would be entitled to continue to receive a claim. The most common benefit periods are to age 65 or 70 which is the deemed retirement age; however, if you want to reduce the cost of your insurance you can elect a 2-year or 5-year benefit period.
Booster Benefits – some policies allow you to boost your claim by 33% for the initial 3-months of a claim. This helps you adjust to a lower level of income and is especially important for long-term claims.
Dependent Relative Benefit – this will provide a monthly benefit should you need to give up work to provide full-time care for a relative who can no longer take care of themselves.
There are several other benefits within the various policies that may determine which policy you select.
Please discuss the options with your Mortgage Link adviser.


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2017 prada small saffiano lux tote original leather bag bn2754 tan&gray sale
- Description
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Quality: Grade AAA++++++(7 Stars), Super bags made of 100% Genuine Leather.
It looks and feels the same with the originals.
Few people can recognize it is not an original bag.
What you can receive is just the same with the pictures here you see.
It Comes with serial numbers, authenticity card, dust bag and care booklet.
There are no reviews yet.


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Visit Our Sites
Larry Massa, a fifth-generation cattle rancher from Glenn County, is now seeing spots. Dotting the landscape at his Willows ranch are colorful wildflowers teeming with pollinators, including native bees.
Larry Massa
When Massa arrived in Glenn County nearly 40 years ago, the hillsides were carpeted in yellow and blue wildflowers. As time went on, the amount of wildflowers—and, therefore, the number of native pollinators—diminished.
"I wanted to see if we could get some of the wildflowers back," Massa said.
To establish wildflowers and attract native pollinators, Massa agreed to take part in a three-year conservation project that is a partnership of the Xerces Society, U.S. Department of Agriculture Natural Resources Conservation Service, California Association of Resource Conservation Districts, and Glenn County Resource Conservation District.
"By creating these habitats, Larry is providing a steady supply of food for native pollinators," said Rob Vlach, NRCS district conservationist. "We hope native wildflowers will provide a beautiful addition to the landscape and support other wildlife, such as songbirds, butterflies and other beneficial insects. We believe the end result will be a greater abundance and diversity of native bees."
Last year, during the first year of the project, the plot at Massa's ranch brought a diverse mix of colorful wildflowers and humming bees. This spring, as the plot experienced its second year, wildflowers competed with clovers, encouraging researchers to plant more flowers this fall. Year three may paint an entirely different picture.
Although the Xerces Society has other pollinator projects taking place on agricultural land, Massa's was the first targeted at rangeland to determine if the project is compatible with livestock.
"The cattle went through and grazed what they wanted. They wanted the grass species I was planting and left the flowers," Massa said. "I think this could be a compatible practice for ranchers."


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What is the award all about?
The Benjamin Franklin Digital Awards honors innovation in electronic book publishing by individuals and organizations of all sizes, including publishers, software developers, designers, manufacturers, institutions, and technology leaders.
These awards are administered by the Independent Book Publishers Association (IBPA). IBPA is a not-for-profit membership association serving and leading the independent publishing community through advocacy, education, and tools for success.
Learn more at www.ibpa-online.org.


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Duncan Apthorp, Tesco
In recent years, Tesco has used MATLAB to automatically predict how promotions and British weather affect product food sales in its 2,400 UK stores. In this session, Duncan will present some of the most recent innovations from the supply chain development department. In particular, the team has improved promotional forecasting and price optimisation of the reduced to clear process. Furthermore, simulation and analysis of the supply chain has provided more accurate demand forecasts and led to improved supplier agreements. Tens of millions of pounds have been saved through these changes.
Recorded: 6 Nov 2012


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Apply hacking skills to your job search
Hacking skills, such as reconnaissance and social engineering, can be used in a job search for a position in information security.
In this excerpt from Chapter 2 of Infosec Career Hacking, authors Aaron W. Bayles, Chris Hurley, Johnny Long and Ed Brindley provide an overview on how to apply social engineering to the information security job search.
Being able to determine which type of job you are seeking is crucial. In-house and contract employees have different challenges. If you decide to pursue a federal job, FISMA scores are a starting point, as well as a goal for understanding the environment. Much information is available publicly for federal and private sector companies. Recent contract wins and any enforcement action should be noted, as well as awards and recognition for outstanding work and employee satisfaction. Purchases and sales of smaller companies are a good indicator of business growth opportunities, as well as knowledge about skills important to the company.
In order to gain internal information about the company, try to get personal interaction with employees of your target. Human Resources departments sometimes hold job fairs or community outreach allowing you to get more information about the employees and their opinions. Research into newsgroups and mailing lists can turn up topics of interest to the company. Knowledge of regulatory environments for the company's customers is critical for interview stages.
Solutions fast track
Narrowing your choices
Digging for information
Researching for rewards
Making the contacts
Read the rest of Chapter 2, Reconnaissance: Social Engineering for Profit


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Dinner Tonight: Grilled Bok Choy With Spicy Vinaigrette Recipe
Healthy and delicious recipes from Serious Eats
I've been on a grilling kick recently and no wonder—with the weather in Chicago mostly nice and sunny except yesterday, I've been camping out on the stoop and grilling right on my sidewalk. (Is that even legal?) Anyway, I've been trying to expand my vegetable grilling repertoire beyond sweet corn and zucchini. I found this Sara Moulton recipe that used a vegetable I don't often think of when grilling, with a vinaigrette that looks far more interesting than the simple olive oil dip most of my grilled vegetables get.
Once the bok choy comes hot off the grill, it immediately gets a bath in the genuinely spicy, though also sweet vinaigrette. I'm sure a fork is the proper way to eat it, but we just waited until it cooled a little bit and dug in with fingers. It's a perfect grilled side. The other great thing about this recipe is that the vinaigrette can be prepared in advance before I ever walk down those stone steps, so all I have to focus on is turning bok choy. Good thing, too. Though I like to think of myself as confident in front of a stove, I still need a lot of help with my little charcoal grill.
Grilled Bok Choy with Spicy Vinaigrette
- 1 head bok choy, thick stem removed and chopped into 2-inch pieces
- 2 tablespoons rice wine vinegar
- 1/2 tablespoon chili paste
- 6 tablespoons vegetable oil
- 1 scallion, chopped
- 1 tablespoon sesame seeds
- Salt and pepper
Whisk together the rice wine vinegar, chili paste, vegetable oil, scallion, and sesame seeds in a large bowl. Season with salt and pepper.
Grill the bok choy pieces either on a grill or on a grill pan over medium-high heat for about 3 to 4 minutes, turning every 30 seconds or so. They should get crisp, but not blacken.
When done throw the bok choy in the bowl with the vinaigrette. Mix together thoroughly and serve.
All products linked here have been independently selected by our editors. We may earn a commission on purchases, as described in our affiliate policy.


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Study Lends Hope to Emphysema Patients
UCSF Fresno Leading-Edge Study Lends Hope to Emphysema Patients
FRESNO, CA — (Marketwire) — 10/21/08 — Patients in the Valley with emphysema might soon be breathing a little easier thanks to a new airway bypass study called the Exhale Airways Stents for Emphysema (EASE) trial. The trial principal is Dr. Karl Van Gundy aided by investigators Drs. Michael Peterson, Jose Joseph, Timothy Evans and Kathryn Bilello — all pulmonologists at UCSF Fresno Medical Education Program. The study is a multi-center, international trial that is designed to evaluate the safety and effectiveness of this new and innovative procedure. There are only two other sites administering the trial in California besides UCSF Fresno — UC Davis Medical Center and Cedars-Sinai Medical Center in Los Angeles.
A form of chronic obstructive pulmonary disease (COPD), emphysema is a progressive lung disease that keeps air trapped inside the lungs (not allowing it to escape) resulting in shortness of breath. Since the disease develops gradually over many years, symptoms of emphysema might not occur until irreversible damage has already happened.
"COPD is the fourth leading cause of death in the United States and a significant cause of disability in the world," said Dr. Peterson, who also is chief of medicine at UCSF Fresno Medical Education Program. "Very few new treatments have become available for this disease."
The EASE trial procedure creates new pathways in the walls of the natural airways that connect the damaged inner lung tissue and the larger natural air passages. Dr. Peterson said these new passageways may provide a pathway for the trapped air in the inner lung to escape by "bypassing" the collapsing small airways. These new pathways are created using a special needle through a bronchoscope.
After each new passage is made, a small drug-eluting stent (a wire mesh similar to what is used to keep coronary arteries open in heart disease) is implanted and provides support to keep the passageway open. Dr. Peterson said opening the airway allows the trapped air to escape the lungs, thereby hopefully relieving one of the symptoms of emphysema — shortness of breath.
"A previous large trial (NETT) demonstrated that some patients with emphysema are helped by surgery to reduce the volume of air in the chest. However, this is a complicated and potentially dangerous surgical procedure. The EASE trial is designed to determine if a minimally-invasive approach to reducing lung volume could benefit patients with severe COPD," Dr. Peterson said.
Both Drs. Peterson and Van Gundy are excited to offer this research approach soon to patients in the Central Valley.
"We are currently enrolling patients in this trial and we will continue to enroll patients for next year," Dr. Van Gundy said. To find out more about the study you can go online www.easetrialus.com
© 2008 SYS-CON Media Inc.