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Popular shows on HGTV like Income Property and Flip or Flop have made many ordinary Canadians into landlords and real estate moguls. It's not uncommon now for a family or an individual to own multiple rental properties to generate income on the side. With interest rates so low, it's actually possible to get a really cheap mortgage and have the renter cover the cost of the mortgage.
With this practice being so common now, it's important to know that as a landlord or property flipper, there are many tax laws that you must abide by. Cheating your friend, your spouse or your bank out of money might be something you might be able to get away with, but never ever try to cheat the CRA out of their taxes. Tax fraud is a criminal offence and it can land you a hefty fine from the government, or even worse. Jail time.
The laws are something you should be familiar with if you plan to get into property investment. Don't let realtors and friends tell you what is right and wrong. It's important that you understand and abide by the tax rules. Pleading ignorance will not get you off the hook from the CRA.
With tax season upon us, make sure you take the proper steps to declare your income because like any type of income, property income is taxed.
Rental Income
You might not give normal receipts. You don't collect HST for your rent. You might even be collecting cash for payment. But this does not make you exempt from paying taxes on the rent that you collect.
A big misconception that people have when they are property owners is that the income is tax free. Rental properties are a huge business in expensive cities like Toronto and Vancouver and it's important that you don't cheat the government. If you try to cheat the CRA, then you'll have something worse coming your way than just unruly tenants.
Just because you have to pay a mortgage, doesn't automatically make your revenue tax free. Even if you price the rent at the cost of your mortgage, you are still making money. There are only a handful of things that you can write off against your rental income and often times people make the mistake of misrepresenting their expenses. There are only a handful of things that you can actually expense:
- Advertising: If you have to pay to advertise your place to rent then it's acceptable to write off that expense. But with Craiglist and Kijiji being so popular, who pays anymore?
- Interest: This is probably the single biggest thing that can be deducted when you own income property. Only the interest portion of the mortgage is tax deductible. Not the whole mortgage payment. Your mortgage lender will usually send you an annual summary outlining your interest costs for the year. Use that number.
- Maintenance and Repair: If you have to fix the plumbing, rewire the electricity or you have a monthly condo maintenance fee, then you can expense this against your rental income.
- Property Taxes: Unfortunately owning a property does not mean you don't owe the government money. Property taxes are a big expense and this is one of the things that you can write off as an expense.
- Utilities: If you are kind enough to pay utilities for your clients, then you can expense utilities from your revenue. You can't, however, expense utilities that you don't pay for even if it's used in your house.
- Realtors: If you used an agent to help get your place rented, then the commission fee can be written off as an expense.
There are some other miscellaneous expenses that can be written off, but the above cover most of what an owner can claim. Any remaining revenue after expenses are deducted is profit. Profit is taxed by the Government of Canada like any other form of income. If you live in a province in Ontario, you taxes could be any of the following, depending on your marginal tax bracket.
Unlike capital gains or dividend income from investments, rental income is taxed 100%. It's exactly as if you were getting paid by an employer. This means you need to add this income on top of any regular salary you might have and be prepared to pay taxes on that.
Capital Gains
In Canada, if your house goes up in price you are exempted from paying any taxes on the gains that may arise from selling. The catch? You can only have one primary residence. If you are married or in a common-law relationship, then you and your spouse are entitled to have one primary residence between the two of you. You cannot each have a primary residence.
Thinking of buying for your kids? No such luck. If you have kids that are under 18 and a house is bought under their name, it belongs to you. Minors cannot own a primary residence. The government will not allow this and if you are doing so to avoid capital gains taxes, then you are trying to cheat the tax system.
If you have income property and sell it for a gain then the gain must be declared as capital gains in the year it was sold. Similar to stocks, a capital gain is not fully taxed, but 50% of the profit is taxed. You cannot use expenses to write off capital gains as this only applies to revenue earned from rent and does not apply when selling. You can, however, use capital losses from other investments to offset a capital gain.
The 50% of the capital gain is added to your income in the calendar year that it is sold. This amount gets taxed at the marginal income tax rate that is similar to rental income mentioned above. It's not uncommon for someone who might have sold an income property to move themselves into the higher tax brackets for the year.
Musical Homes
If for some reason you own multiple properties and you end up moving between them during the year, you can still only declare one house as your primary residence. To complicate things even more, changing your primary residence frequently can incur a hefty tax bill.
This happens because when you change your primary residence and declare the previous one as an income property, you are deemed to have sold the old property at market value and then buy it back. What does this actually mean? It means that if you move around, you could be on the hook to pay capital gains tax on a house that you have not really sold, but deemed to be an income property.
As an example. Say you have lived in a home you purchased 5 years ago. You buy a new home for $500K and decide to make your new home your primary residence, but you keep the old one to become an income property. You are not selling the old home, just designating it as an income property. At this point, that first home is considered sold by the CRA. If you have made a capital gain, you will not get taxed on it.
The price that the old home is assessed at at the time you declare your new primary residence, becomes the new baseline for the income property. Say $650k. If after a while you decide that the new home is better off as the income property and you move back to the old property, the reverse comes true now. You now designate the new home as your income property and it is considered "sold" at market rates. Any capital gains are not paid, but the old home that might have risen in value again now gets "sold" at market rates. If the old home now sells for $750k, then you are required to pay capital gains tax on the theoretical value of $100k made.
This rule avoids people from switching principal residences constantly to try to avoid paying capital gains taxes. Playing musical homes with your income properties does not help reduce your tax bill. In fact, it just makes life even more difficult in that you have to track additional information to process your tax return.
Get Knowledge
If you plan to become a big real estate mogul or even owning a few homes to rent, then it is important to understand the tax ramifications. All the points I mentioned above is through the understanding that you are just a normal investor. If you decide to incorporate your rental business, then all of these rules go out the window, because now you are considered a small business and must get taxed as such.
Just remember that if you confused about these rules, talk to a tax accountant not your real estate agent. The real estate agent wants you to transact in properties because that is how they make their money. A tax accountant can give you a better prospective on how to manage your tax situation in a more efficient manner.
Just remember that if you don't know the answer to something. Seek the answer. Ask for help.


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Whether you prefer something time-honored and traditional or something contemporary and modern, we design our arrangements with you in mind. At Father & Son Florist, Inc., we will design breathtaking arrangements for all occasions from sympathy, wedding, anniversary, birthdays, new baby, get well and just because.
Look to Father & Son Florist, Inc. for unique gift ideas for any age or gender such as: delicious gourmet and fruit baskets or a personalized gift basket.
We also offer a vast selection of green plants, blooming platns, dish gardens, plush stuffed animals, baby gifts, candy, home decor items, silk & dried arrangements and more.
Wedding Flowers & Special Event Flowers ~ Let us help you plan the flowers and on-site decorating for a beautiful and memorable wedding, corporate function, holiday party, or any special event - large or small. Call us to schedule a consultation with one of our talented floral professionals.
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We are conveniently located on Metropolitan Avenue and are open to serve your floral and gift giving needs: Monday through Saturday 9:00 am to 6:00 pm and closed Sunday. Our phone lines are open until 9:00 pm. We also deliver daily to all local funeral homes and hospitals.

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No time to read the paper but want to know what is going on at The Center? Read below our press releases recently sent to our area papers.
After thorough search by The Center Hiring Committee Christopher Culhane named Executive Director
Anna Maria, FL (February 16, 2018) The Board of Directors of The Center of Anna Maria Island is pleased to announce the appointment of life long islander Christopher Culhane as the organization's new Executive Director.
The search for Executive Director began this past February after Kristen Lessig resigned from the leadership role. The Board of Directors quickly formed a Hiring Committee and hired HR consultant Margaret Beck to fill the vacant position. The Committee included Center Board Members Karen Harllee, David Zaccagnino, John Munn, business owner Barbara Sato, and County Commissioner Steve Jonsson. Margaret Beck is a senior human resources professional who brought over 25 years of experience to the committee. Beck has lived in the area for over 30 years and has done recruitment for numerous organizations within the area.
The Center received over 170 applicants for the position. Each resume was evaluated to see if they met the qualifications and characteristics The Center was looking for in the new Executive Director. Applicants were then narrowed down through phone interviews by Beck. Then meeting to discuss the candidates, the committee did a series of in depth face to face interviews with the finalists. After a long and thorough search the Board of Directors voted and confirmed the committee's decision and choice to make Christopher Culhane The Center's next Executive Director.
David Zaccagnino – Board Chairman states:
"Thanks to the leadership from the prior Board of Directors and former Executive Director Kristen Lessig, the Center is in a great position, and is excited to seamlessly promote from within. After an extensive search and many months of committee work, Chris Culhane came out as our top choice. He has proven himself over the years and has earned the opportunity of Executive Director.
During the past couple months, Chris has been working closely with interim Executive Director, Carl Weeks, the Finance committee, the Board of Directors, and several grant & fundraising committees. He is a natural and has stepped into the leadership position with purpose. We are pleased to have Chris as our new Executive Director. Come up to the Center and give him a high five. "
Christopher Culhane has been a life long island resident and is humbled by The Boards appointment. For more information please refer to the brief introduction letter, along with several pictures of him as a child at The Center.
About The Center of Anna Maria Island
The Center of Anna Maria Island is a nonprofit community center on Florida's Anna Maria Island, focusing on the community and welcoming all, as the community's gathering place. Its mission is to enhance the overall well-being of individuals of all ages—serving children, teens, families, adults and senior citizens—while preserving a sense of community through creative programs and partnerships. The Center strives for excellence to meet the human service needs of all those living on or near the barrier island. Known as the community's gathering place, the Center is open to all. It is often seen as an "Educational Center," "Recreational Center," "Youth/Teen Center," "Fitness Center" and "Senior Citizen Center." The Center is all of these and much more. Join programs, sports, events, and learn more at www.centerami.org. The Center of Anna Maria is located at 407 Magnolia Avenue in Anna Maria. Contact The Center at 941)778-1908 or [email protected].
Dear Center Community,
It is with great pleasure that I have accepted the offer which has been bestowed upon me by The Center's Board of Directors and the Hiring Committee to become The Center of Anna Maria Island's next Executive Director. I am humbled and ultimately grateful for the opportunity and I would like to thank The Board, The Committee, local business owners that participated in the search, the dedicated staff, and the AMI community as a whole.
As many of you may know, I am of a thinning breed of native islanders that grew up here in this tiny piece of paradise. The Center was truly my backyard. If I was not biking the 7 mile stretch of the island or swinging from a tree, I was definitely at The Center engaging with my island community, playing sports or just simply having fun. Proudly, The Center still provides these same attributes today and my three children are lucky enough to get to experience what I once had. Over the past four decades, I have been an active participant in the community and at The Center by either coaching, volunteering or just playing sports. Almost three years ago I accepted an administrative position which furthered my involvement with The Center and it has been a road of growth, learning and development. Now as Executive Director I pledge to steer our Center to a path of sustainable success as we enter this next phase of history.
Upon accepting this position, I will have the urgency to visit goals I would like to see for The Center. And over the next weeks, I will be meeting with our board, our dynamite team, our local business leaders, and other community members to get feedback on how we can ultimately achieve a "best in class" facility the entire community can be proud of. Some items we will be addressing in the short term are: Interviewing and hiring for our current vacant staff positions, preparing for summer camp to give the children the greatest opportunities and experiences imaginable, and finalizing next fiscal year's budget with The Board and finance committee.
"You can only become truly accomplished at something you love." ~Maya Angelou
I love this community and I love The Center. With the goals set high we will be working with our integral community leaders, The Board, and The Center Team to review the strategic plan in order to build a sustainable model that drives The Center to success and truly leaves a legacy…a legacy that will hopefully inspire executive directors all the way down the line.
Best Regards,
Christopher M Culhane
The Center of Anna Maria Island's board of directors hires longtime Boys and Girls Club leader as Interim Executive Director
Anna Maria, FL (February, 2018) –
Carl Weeks with over 45 years of Non-Profit experience, was tabbed as the interim executive director of The Center of Anna Maria Island.
Weeks who retired in 2013 after 42 years of service to the youth of Manatee County at the Boys and Girls Club was caught off guard when he recently received a phone call from Center Board Chairman David Zaccagnino. Weeks later stated that "he would gladly keep the seat warm until a permanent Executive Director can be appointed." Soon after touring the facility Weeks said "The Center of Anna Maria Island is true community center that focuses on programs for all individuals' ages 4 to 94. Activities are ongoing from 7am to 9pm daily."
A Small portion of his Professional History includes:
President, Boys & Girls Clubs of Manatee County
January 2011 – October 2013
Executive Director, Boys & Girls Clubs of Manatee County
July 2000 – December 2010
Executive Director, Foundation for the Boys & Girls Clubs Inc.
January 2001 – June 2011
Executive Director, Cabarrus County Boys Clubs, Inc
Edgar H. Price Jr. – Humanitarian Award
January 17th, 2014
Kiwanis Club of Bradenton – Recognition for 40 years of service
National Service to Youth Award for 40 years of Service
November 18th, 2010
Boys & Girls Clubs of America National Professional Service Award.
November 18th, 2006
Moved to Bradenton in 1955
Attended Miller Elementary and Walker Junior High
Graduated from Manatee High School 1966
Graduated from University of South Florida, 1970 "Go Bulls"
The Center of Anna Maria Island Earns COVETED 4-Star Rating from Charity Navigator
Demonstrating financial accountability and good governance, Largest independent charity evaluator gives Center exceptional rating
Anna Maria, FL (February 19, 2018) – The Center of Anna Maria Island's strong financial health, and commitment to accountability and transparency have earned it a 4-star rating from Charity Navigator, America's largest independent charity evaluator.
This is the first time the Center has earned this top distinction.
"The Center of Anna Maria Island's exceptional 4-star rating sets it apart from its peers and demonstrates its trustworthiness to the public," according to Michael Thatcher, President and CEO, Charity Navigator. "Only a quarter of charities rated by Charity Navigator receive the distinction of our 4-star rating. This adds the Center of Anna Maria Island to a preeminent group of charities working to overcome our world's most pressing challenges. Based on its 4-star rating, people can trust that their donations are going to a financially responsible and ethical charity when they decide to support the Center of Anna Maria Island."
The Center's rating and other information about charitable giving are available free of charge on www.charitynavigator.org. More-detailed information about the Center's rating is available to Charity Navigator site visitors who become registered users, another free service.
"Since becoming the Center's executive director three years ago, it has been a priority for our donors to trust that we're using their donations wisely to fulfil the Center's mission—to enhance the overall well-being of individuals of all ages, while preserving a sense of community through creative programs and partnerships," said Kristen Lessig, Executive Director, The Center of Anna Maria Island. "Our 4-star Charity Navigator rating demonstrates and reconfirms to our supporters the Center's good governance and financial accountability."
Since 2002, using objective analysis, Charity Navigator has awarded only the most fiscally responsible organizations a 4-star rating. In 2011, Charity Navigator added 17 metrics, focused on governance and ethical practices as well as measures of openness, to its ratings methodology. These Accountability and Transparency metrics, which account for 50 percent of a charity's overall rating, reveal which charities operate in accordance with industry best practices and whether they are open with their donors and stakeholders. On June 1, 2016, Charity Navigator upgraded its methodology for rating each charity's' financial health with CN 2.1. These enhancements further substantiates the financial health of our four star charities.
The Center's exceptional Charity Navigator rating comes on the heels of positive financial and membership news at the close of 2017, with a $130,000 donation, record enrollment and participation that nearly doubled during the year. It also follows the award of two new grants, being named in a trust, and notified as the recipient of a donation from the sale of a local estate—all in early 2018.
This follows the announcement that the Center's executive director, Kristen Lessig, accepted a new position with the Sarasota YMCA, after successfully rehabilitating the Center to its current financially positive standing. Under Lessig's leadership, and working in very close step with the Board, the Center paid off its $1.1 million commercial loan.
About Charity Navigator
Charity Navigator, www.charitynavigator.org, is the largest charity evaluator in America and its website attracts more visitors than all other charity rating groups combined. The organization helps guide intelligent giving by evaluating the Financial Health, and Accountability and Transparency of more than 8,000 charities. Charity Navigator accepts no advertising or donations from the organizations it evaluates, ensuring unbiased evaluations, nor does it charge the public for this trusted data. As a result, Charity Navigator, a 501 (c) (3) public charity itself, depends on support from individuals, corporations and foundations that believe it provides a much-needed service to America's charitable givers. Charity Navigator, can be reached directly by telephone at (201) 818-1288, or by mail at 139 Harristown Road, Suite 101, Glen Rock, NJ, 07452.
Lessig's significant success during tenure at the Center of Anna Maria Island Creates bright future for the community's gathering place
Anna Maria, FL (February 2, 2018) – The Center of Anna Maria Island executive director, Kristen Lessig, has accepted a position as Executive Director of Youth Development for the Sarasota YMCA.
"The Y casted a big net nationally and had more than 200 resumes submitted for the executive director position," said Keith Quick, Vice President, Sarasota YMCA. "After phone interviews and personal interviews, it was very clear that the perfect leader was actually right down the road in Anna Maria Island. We are so thankful and feel extremely fortunate to have Kristen Lessig as our new Executive Director of Youth Development for the Sarasota Y."
Lessig joined the Center December 1, 2014 and has had a significant impact during her more than three years as the Center's executive director. She will remain executive director through February 19, 2018, and has prepared a plan to support the Center's board and staff through the transition and beyond.
"The Center has been fortunate to have Kristen turn the community center around, from close to shutting its doors, to the positive budget bottom line it has today," said Carol Whitmore, Manatee County Commissioner. "My family attends programs almost daily, and I have observed the successful operations first hand. Kristen has gained our community's respect with her no-nonsense approach to running the Center. It's not surprising that the Sarasota YMCA recruited and hired her. Kristen has made a true impact on Anna Maria Island for the better."
After joining the Center, Lessig lead a committee of board members and staff to create a strategic plan, and managed a rebranding process to accurately reflect and communicate the center's mission, programs and brand. She also recommitted several long-term donors to support the Center's newly refreshed mission with the help and support of many long-time Center supporters and former leaders.
Lessig lead the Center through the City of Anna Maria financial review, in addition to an external operational review. She responded to the community's request for improved communication by appointing a staff communications manager and investing in professional advertising and promotions. Lessig also elevated the quality and level of Center staffing, and she created a team atmosphere to promote a healthy environment and workplace.
"I have been involved with the Center over the last 18 years as a board member, city commissioner liaison, volunteer, coach and donor," said David Zaccagnino, Chairman of the Center's Board. "I cannot express enough gratitude for Kristen and her tireless work. She has guided the Center to be a financially viable, successful, and fulfilling destination for our residents and Island visitors. The transformation during the last couple of years has been incredible. She carried forward the strengths from the community founders before her, and added immense programming and vision. I have no doubt that the Center would have continued to struggle without her leadership. While she will be missed as executive director, we're lucky she'll still remain a member."
During her tenure, Lessig worked with the team to restructure membership to be all-inclusive, which focused on its value. Membership activity has increased significantly, with the Center nearly doubling its participation rate between 2016 and 2017 alone.
Lessig also shifted the Center's fundraising strategy away from focusing on one major event, and instead enhanced the focus on already existing and previously smaller events, to become anchor events. This offered the community a variety of choices and ways to participate, according to what suits individual and family preferences.
"I cannot overstate enough that the Center's success and improvements would have been impossible without the enormous support, collaboration and teamwork from the Center's dedicated staff and members of the Board," said Kristen Lessig, Executive Director, The Center of Anna Maria Island. "The staff specifically has been equally as passionate about, and committed to the Center of Anna Maria Island. I am grateful and lucky to have worked with such a dedicated and talented team. I am excited to be able to take on an exciting, new opportunity with the Sarasota YMCA, while continuing to be a part of this special community as a member."
In order to support the Center's technology and financial infrastructure, Lessig secured a capital grant though the Selby Foundation. She also established essential administrative systems to ensure proper IT support, tracking all program activity and daily attendance for all Center programs.
"As Board Treasurer for the Center, I have watched Kristen drive phenomenal improvements and growth in the Center's operations since day one, through her extraordinary efforts and her determination to make every aspect of operations 'the best that they can be,' said Jim Froeschle, Board Treasurer, 2014 – 2018. "It is not an exaggeration to say that the Center would not be open today without her efforts."
Programs are a cornerstone of the Center's value. In an effort to enhance program quality for the community, Lessig engaged field experts and established partnerships with key organizations, like the Center Stone for Family Support Programming, Ringling College Life Long Learning Academy, Anna Maria CrossFit and Island Fitness.
Lessig enhanced the Center's after-school program to focus on enrichment activities. Now known as Beyond the Classroom, the program was recently awarded a $6,500 Trolley Giving Back Grant from the Anna Maria Island Chamber of Commerce. Combined with another recent $1,000 grant from the Michael Saunders Foundation, the Center can make the Beyond the Classroom available to all community children—regardless of families' ability to pay.
Knowing the importance of good presentation, Lessig worked with the Board to improve the appearance of facilities, and create better uses for dead space to expand and enhance program offerings. The field, tennis court and grounds were improved and repaired where necessary.
Cleanliness became a priority in the building and on the property. The Center contracted landscaping and cleaning services, which replaced a full-time position and reduced costs while also improving the Center's quality for the community.
"The Anna Maria Island community owes a debt of gratitude to Kristen Lessig for all the hard work she has put into building the Center into a first-class community center," said Bill Shuman, the Center's Board Chair from July 2015 – June 2017. "Kristen started by refreshing the building inside and out, and renovating rooms for kids, teens and adults. She implemented numerous programs that continue to bring a growing number of full and part time residents, as well as visitors to the Center. Kristen leaves the Center with a mortgage paid and in the black financially. She has truly made the Center the 'community's gathering place,' and I thank and wish Kristen continued success."
Lessig worked with the treasurer to establish a new, detailed accounting structure with support of a professional accountant, building an expansive, detailed view of revenue and expenses. To achieve complete transparency with the community, she created a Center Financials webpage that shares all financial details externally. Under Lessig's leadership, and working in very close step with the Board, the Center paid off its $1.1 million commercial loan.
"We will miss Kristen and wish her well in her new endeavor," said Mike Thrasher, Board Member 2015 – 2018, "Kristen has always put herself last, as she is all about other people, and the community first. She has indeed made the Center great again."
10th Annual Murder Mystery will be sponsored by Air & Energy and
Presented by The Boilermaker to Honor the late Rex Hagen, February 16 and 17
25th Annual Tour of Homes confirms 3 homes for March 17
Anna Maria, FL (January 31, 2018) – On the heels of positive financial and membership news—with a $130,000 donation, record enrollment and participation that nearly doubled during the year—the Center of Anna Maria Island was awarded two grants, will be named in a trust, and receive a gift from the sale of a local estate.
It also secured two title sponsors for the 10th Annual Murder Mystery on February 16 and 17, and confirmed three homes for the 25th Annual Tour of Homes on March 17, which includes six stops.
Center Awarded $7,500 in Grants Allowing it to Offer Kids After-School Program Community-Wide
The Center was awarded a $1,000 grant by the Michael Saunders Foundation, as a charitable organization offering shelter, sustenance, education and a path to self-sufficiency in local counties. It also received a $6,500 Trolley Giving Back Grant from the Anna Maria Island Chamber of Commerce to support the Beyond the Classroom after-school program.
Combined support from both grants allow the Center to make the Beyond the Classroom available to all community children—regardless of families' ability to pay.
"The grants will make it possible for the Center provide all the community's children an opportunity to develop strong, healthy life and social skills in a safe, learning environment, without financial barriers," said Kristen Lessig, Executive Director, The Center of Anna Maria Island. "We are grateful to use the awards to invest in the island's future. A special thank you goes to Ken Kavanaugh and Margo Love Story for their support through the Michael Saunders Foundation, and the AMI Chamber Board, staff and Grants Committee for their investment in the Center's Beyond the Classroom after-school program."
Children in the after-school program, kindergarten to fifth grade, get time and help with homework and reading, a healthy snack and 60-minutes of play. In addition, kids have opportunities for social development—learning empathy, personal space, social overtures, tone, attention span, nonverbal skills, etc.
Center Will Be Named in a Trust and Receive Gift from Sale of Local Estate
The Center has also been notified by a member that it will be named in a trust, and that the Center is the recipient of a gift. The contribution will be a percentage of the sale of a local estate. Both donations will be settled in the next few months.
"These two major investments will allow us to make a significant contribution back to the Center's endowment, as well as place funds into our reserve account," said Kristen Lessig, Executive Director, The Center of Anna Maria Island. "We are overwhelmed with the community's generosity and grateful for these planned gifts that enable the Center to reinvest in and strengthen Anna Maria Island."
Air & Energy's 10th Annual Murder Mystery presented by The Boilermaker Honors the Late Rex Hagen
The 10th Annual Murder Mystery is Friday, February 16 and Saturday, February 17. The evening of laughter, fun, food and murder is sponsored by Air & Energy and presented by The Boilermaker, in honor of the late Rex Hagen for his continuing support of the Center. The play, "What happens on the island…stays on the island," has a Vegas theme, including Elvis, and guests are encouraged to dress in their "vegas best!" The play is written and directed by Beth and Bri Shaughnessy.
Tickets are $45, and include a sit down dinner and the show. There will be a cash bar, live auction and raffles. Doors open at 7:00pm, and the show starts at 7:30pm. For an additional $15, guests can join the VIP Mingle with the Cast at 6:30-7:15pm. The event is for adults only. Buy tickets for Friday, February 16. Buy tickets for Saturday, February 17. Contact Kristen Lessig about sponsorship opportunities.
The 25th Annual Tour of Homes—3 Confirmed and Chance to Win Free Center Membership
Showing off the best in island living, this 25th edition of an annual tour of local homes, will include five homes and six stops on March 17, 10:00am to 4:00pm. Distinctive architecture, elegant interiors and stunning waterfront views will be open to the public. Three homes are confirmed, thanks to gracious homeowners: Wooley and Art Dutton, Don and Leah Purvis, and Jane and Tom Gauld.
The last stop is the Center Bazaar located at the Center of Anna Maria Island (407 Magnolia Avenue). It will have boutique, original arts and crafts, and food vendors, in addition to chances to win a beautiful handmade quilt created by the Eyeland Needlers. The quilt is currently on display at the Island Library through January 31. Quilt raffle tickets are on sale for $1 each, or six for $5, and can be purchased at the Center. Tours will also be available at the Bazaar, in addition to the opportunity to enter to win a free Center membership. Tickets are $30. Contact Diane Phinney to show a home or property. Contact Kristen Lessig about sponsorship opportunities.
The Center remains on track to a balanced budget for the community's gathering place
Anna Maria, FL (January 24, 2018) – The Center of Anna Maria Island had record enrollment and participation—which about doubled in one year—and surpassed its fundraising goal by nearly $100,000, during July 1–December 31, 2017.
Since the same time period one year ago (7/1/16–12/31/16), the Center almost doubled participation, from a 1,774 participation rate, to a 3,318 participation rate in 2017. Family memberships increased by 53, from 16 family memberships in 2016, to 69 family memberships in 2017. Senior memberships increased by 85, from 20 senior memberships in 2016, to 105 senior memberships in 2017.
The Center surpassed its fundraising goal by nearly $100,000, raising $265,468.64 during the time period, compared to its $166,750 target for December 31, 2017. This puts the Center on track to meet its $300,000 fundraising goal for June 30, 2018.
Programming income is up 18 percent, from $174,264.11 in 2016, to $206,156.42 in 2017. Direct expenses decreased 20.5 percent, from $205,292 in 2016, to $163,169 in 2017. Fixed cost/indirect expenses decreased 12%, from $205,715 in 2016, to $180,594 in 2017.
"The Center is excited to have surpassed our fundraising goal by nearly $100,000, and we're on track to meet our $300,000 fundraising goal for June 30, having raised $265,468.64 between July and December," said Kristen Lessig, Executive Director, The Center of Anna Maria Island. "With increased program revenue and an even deeper decrease in expenses, we are confident the Center will not only meet a balanced budget, but be able to set aside funding in reserves. With record enrollment and participation in 2017, and even in 2018, we are grateful that the community finds value in the Center."
In 2018, the Center's active snowbird members increased by 103 since last year, from 71 active snowbirds on January 18, 2017, to 174 active snowbirds as of January 18, 2018.
Gift to be reinvested into programs and services that benefit Anna Maria Island
Anna Maria, FL (January 19, 2018) – The Center of Anna Maria Island received a $130,000 contribution to support its programs and services that benefit the community.
The donation was made by a part-time resident who has witnessed the Center's positive impact first-hand. The gift is intended to support the Center's continued efforts to preserve the sense of community and further positive impact the Center makes on Anna Maria Island.
"This donation is a vote of confidence in the hardworking leadership exemplified by the Center's board, volunteers and staff," said Kristen Lessig, Executive Director, The Center of Anna Maria Island. "At the heart of the Center lies the power to be a part of something special—our community. Whether it's pickle ball, book club, BINGO, your children's flag football games, or a favorite group fitness class, the Center is excited to reinvest this money into the community's gathering place."
Per the donor's request, $30,000 of the contribution will be designated to hire a development and marketing director who will join the Center's team.
"The outpouring we have seen just in the last few months has us entering 2018 with an overwhelming feeling of gratitude," said Ed Chiles, local resident and former Board Member, The Center of Anna Maria Island." Because of the Center's supporters, significant accomplishments and shared discoveries are happening every day. These achievements move the Center forward, and in turn, move our community forward."
The Center of Anna Maria Island, located at 407 Magnolia Avenue on Anna Maria, is GETTING FIT FOR OUR COMMUNITY!! We are excited to announce that Island Fitness will soon be joining the Center as we work to fulfill our mission to enhance the overall wellbeing of individuals of all ages while preserving a sense of community through creative programs and partnerships. Following an operational review several weeks ago and a strategic analysis of our strengths, weaknesses, opportunities, and threats- the team at the Center, including key members of the staff, board, community, and city of Anna Maria identified the need to work more collaboratively within the community, driving partnerships to be even more successful in serving as a resource for overall wellness in our community. Further, the Center is grateful for the opportunity to be able to assist a local island business.
The Center and Island Fitness are currently working through the specifics of the partnership agreement, as it relates to the transition of Island Fitness members. In the meantime, we are welcome all Island Fitness members to come in and tour the facility, trial one of our amazing classes. Additional details and finalized timeline will be released to both member groups via email.
Anna Maria CrossFit will still remain a key Center partner offering close to 30 hours of direct programming to benefit the Center and its membership development efforts. Additionally, Anna Maria CrossFit will be able to focus efforts on growing its active membership base with the inclusion of Cross Fit Kids programs beginning in November.
The Center is always looking for ways to team up with other partners and businesses to improve our services provided to our community. Quote from Brenda Canning, Island Fitness owner, " I am looking forward to bringing my years of fitness experience to the community center to both increase the service offerings for Island Fitness members and to the community centers current members. I am confident that through this relationship we will be able to create a mutually beneficial opportunity for growth and community involvement."
Kristen Lessig, Executive Director of The Center added, "I am extremely excited about the opportunity to work with Brenda and the Island Fitness team. The Center team is looking forward to expanding our reach within the community through true collaboration. Brenda has an amazing reputation and following in the community, as well as expertise in the fitness industry that will add great value to the services we provide, while our expansive programs and committed staff will allow for Island Fitness members to truly be part of our efforts to preserve the sense of community on the island."
For information about the partnership contact Kristen Lessig, Executive Director of The Center of Anna Maria Island by email at [email protected] or by phone is (941)778-1908 ext. 9221


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The Gates of Karbala by Richard A. Durand
In The Gates of Karbala, Richard A. Durand starts off his action packed military fiction in Roswell, New Mexico. As expected, aliens and alien technology are at the core of this tale. Durand moves the setting forward a bit into the future and brings about a new war in Saudi Arabia. The enemies have acquired the use of alien technology, which the U.S. military has never seen before and is incapable of fighting against. Not only are readers taken behind the scenes during training in the desert, but they get a little insight into the mind of the President of the United States as well as his Assistant Director of Communications. Whether or not the U.S. military will be able to stand up to and defeat C.A.I.N (Coalition Against the Industrialized Nations) is the big question. On a smaller scale, readers can easily grow attached to the likeable characters Durand focuses on and will be biting their nails to see if those characters survive.
Overall, The Gates of Karbala is an entertaining read with a lot of military details. Durand either has a good deal of knowledge of military operations or did thorough research. Richard Durand intermittently shares extra details such as those about the U.S. Camel Corps in the mid-1800s. This adds a little unique flare to the story. For the most part, The Gates of Karbala is fairly well-written, but it still is need of a final edit. Typos, grammatical errors, misspellings, and flipping inappropriately between past and present tense can take away from the story itself. The Gates of Karbala starts at a quick pace, but Durand slows it down throughout the rest of the book. Writing a unique and entertaining story focused on war is never an easy task, but Richard A. Durand does a nice job of it in The Gates of Karbala.
To purchase a copy of the book, click here.


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On May 10, 2016, several members of TASA (Texas Association of School Administrators) sent a letter to Commissioner of Education Mike Morath relating the many concerns they have over several problems experienced across the state in all areas of testing. They sent the letter after Morath responded to news reports about the testing irregularities saying that this was "unacceptable." Before ETS (Educational Testing Services), the New Jersey-based nonprofit, received the $280 million contract for STAAR, testing in Texas had been handled by Pearson Education. Pearson, ETS, and TEA worked together this year as the testing administration moved to the new vendor.
"All three parties agreed to the plan and reviewed milestones together as it was carried out. Pearson met every commitment laid out in this plan," Pearson spokeswoman Laura Howe said.
"The high-stakes nature of standardized testing requires that the state ensure, at a minimum, that assessments are valid and reliable, that appropriate testing procedures are in place and testing materials are secure, that those grading the assessments are qualified and available, and that student data is secure," states the TASA letter.
Some of the problems addressed in the letter concerning data validity and security include:
- Some districts received test results for students not enrolled in their districts and did not receive results for students in their own districts.
- There were too many scores of "0" for short answer questions, and the justifications for those scores were not acceptable.
- ETS staff was unaware that some districts received extra answer booklets — an indication that appropriate inventory control measures were lacking.
- Demographic information and names were incorrect on the pre-coded answer documents.
- Students' STAAR-A Algebra I end-of-course (EOC) exams were scored as STAAR EOCs.
- Scores had not been corrected weeks later.
- Student results were missing from the December and March campus reports. Many of the students with missing results from the December administration had to retest in March as it was still unknown if they had passed the previous test.
- District personnel were told by ETS to plan on retesting when grades 5 and 8 results were missing and ETS could not guarantee the student results would be found before the retest.
- Students were concerned with online testing glitches so they took extra time to complete their answers. Students marked answers and wrote essays and then had to resubmit lost work.
- Responses show concern that the data might not be valid. For example, did the system record the first essay a student wrote that was lost? Or, was the second essay the student wrote the essay of record? Neither ETS nor TEA could confirm.
- Student data files and scores were missing or incorrect. Some districts received multiple scoring documents for the same student with different scores.
Other problems were outlined in the areas of online testing, communications, and shipping of materials. Some of the problems were:
- STAAR-A, STAAR-L, and STAAR student responses were lost, erased, or disappeared.
- Often the system indicated that a student was still "actively" taking the test even after the student had completed the test and submitted his/her responses. Students were logged out of the test and unable to regain access.
- Individual student test scores were missing altogether from roster.
- STAAR-A online accommodations did not work well or did not work at all (e.g., text-to-speech tool, pencil tool, highlighter tool, and graphing tool). In addition, the oral administration feature was "too fast, would fade in and out, mispronounced words, and had speech boxes that disappeared." Or, as another response indicated, "the computerized voice reads the wrong words (e.g., will substitute a or the etc.)."
- Districts received conflicting information. ETS would advise one way, and TEA would advise another.
- Tier 1 responders were unable to answer many questions after district staff was placed on hold for extended time periods. Then they would be forwarded to Tier 2 and sometimes Tier 3 responders.
- ETS would say they would call back with answers and never did.
- Test booklets were shipped to the incorrect address, and in many cases, to the wrong school district or campus. Campus testing materials in some cases were mixed with materials for another campus, and materials were not properly labeled for campus distribution.
- Grave concerns were expressed that high school students who are dependent on the test results to graduate were completely let down by the system due to scoring errors. Some were failed that actually passed, and the May results will not arrive until after graduation.
The concerns outlined in the letter are added to the recent move by the Texas Education Agency (TEA) to contract with Human Resources Research Organization (HumRRO) to provide an independent evaluation of the validity and reliability of the State of Texas Assessments of Academic Readiness (STAAR) scores, including grades 3-8 reading and mathematics, grades 4 and 7 writing, grades 5 and 8 science, and grade 8 social studies. The independent evaluation is required as per HB 743, which states that before an assessment may be administered, "the assessment instrument must, on the basis of empirical evidence, be determined to be valid and reliable by an entity that is independent of the agency and of any other entity that developed the assessment instrument."
The HumRRO report concluded that their "independent evaluation finds support for the validity and reliability of the 2016 STAAR scores." Following are the findings as to the percent of test items that are fully aligned to the expectations for the grade and subject listed:
- Grade 5 Mathematics: 98.5%
- Grade 8 Mathematics: 97.8%
- Grade 5 Reading: 88.6%
- Grade 8 Reading: 96.6%
- Grade 4 Writing: 93.4%
- Grade 7 Writing: 88.7%
Retired from education after serving 30 years (twenty-eight as an English teacher and two years as a new-teacher mentor), Shirley enjoys her life with family and friends while serving her community, church, and school in Corpus Christi, Texas. She is the creator and managing editor of The Paper Trail, an online news/blog site that serves to offer new, in-depth, and insightful responses to the events of the day. She also writes and edits for The Texas Shoreline News, a Corpus Christi print newspaper.


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We welcome you to our practice! At Jason H. Carlson, D.D.S., PLLC, we strive in treating our patients as if they were members of our own family. Dr. Carlson believes the first step in providing quality dental care is taking the time to listen and understand our patient's concerns and respond to them with the best possible treatment option. Providing high-quality dental care in a friendly, relaxing atmosphere is the goal of our dental team.
We look forward to providing each individual with the care that they need while expressing the importance of maintaining good oral health.


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COVID-19: Find current service information
Information and services
Regulations and opportunities
Leadership and engagement
Transactions and applications
Hennepin County
Election results
Hennepin County election results are unofficial. The official results are the election abstracts which are signed by the official canvassing board.
Statewide election results can be found on the Secretary of State's results page.
City contacts
School district contacts
Look up districts for your precinct on the state's polling place finder
NOTE: previous elections will not show mapped results.


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When you want to recover from an addiction or a mental illness, you need a professional process to ensure that you get the most out of your time and money. The more resources you have, the better your chances of successful recovery become. Merito men's addiction treatment centers allow you to have order in a chaotic life and times of change. Let us be by your side while you get your health under control. We can help!
The Resources You Have Access to at Merito
You will have access to these types of resources when you come to Merito:
- Detox programs that have medical supervision available
- Assessments and evaluations that cover your current medical state
- Family-based programs so they can be a part of your treatment
- Counseling about your current nutritional state and how to get where you should be
- Outpatient and inpatient facilities to help you have treatment options
- Group therapy and individual therapy options
- Recovery programs for those who want faith and Christianity as a big component
- Services you can use after you leave rehab
The Resources for Before You Enter Merito
When your plan is to come to Merito, we make sure that your treatment plan has your needs in mind. We take what you need to create a specific treatment plan that will help you get over the hurdles in your life and move forward addiction-free. We'll speak with you on the phone to assess your concerns and current status. We do a medical and psychological assessment at Merito, and we then create a plan that will help ensure your recovery.
While You Are at Merito, We Have More Resources
While staying with us at Merito, we can help you with many different needs, including nutritional needs, Christian rehab programs, and other types of therapies to help you get past your addiction and stay that way once you go home.
Resources The Entire Family Can Use
Your family needs to go through a healing process at the same time that you are healing, so we make sure to provide a lot of resources for the family to turn to as well. We have a program we call the "Seven Realities Program" that helps educate family members of those who come to Merito. We can help your family recognize and quit behaviors of theirs that may enable further addiction problems, and work through specific issues that the addiction may be causing. Codependency is also a problem many addicts have, so we will make sure family members are able to recognize those signs as well.
Resources Available to You Once You Go Home
Going through Merito is a great step, but once you go home, you need to continue doing what you have learned while you were here. You need to have support to make sure you are making the right choices and helping yourself in as many ways as possible. 12-Step programs such as NA, AA, and Al-anon are great programs that we recommend you try, as they can help keep you supported and moving the right direction after you have left our facility.


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Dr Dalia Ibrahim
on April 11, 2014
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CT is the modality of choice for the diagnostic assessment of cholesteatoma, due to its ability to demonstrate the fine bony anatomy of the tempor..."
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As a new iPhone or iPad user, you're more concerned about using those exciting apps that you've been reading about and making the best use of the iPhone/iPad. Photos, videos, instant messaging, email.. that's what people largely do when they get new iPhones/iPads.
But as you use your iDevice, you begin to store data on it. Right from the time you save contacts to the Phone/Contacts app, your iPhone/iPad begins to store data that requires a backup so that you always have a safety net for the data. Thanks to iCloud and the smart integration via iTunes, you can take back ups pretty fast and easy.
Back up via iTunes
Typically, iTunes on PC/Mac is configured to backup your iPhone/iPad every time you connect it and sync the device. Some users change the settings and the default behavior stops but mostly, if you're a new user, the default settings makes sure iTunes takes a backup of your iDevice whenever you connect it.
Backing up on iTunes has its own advantages over backing up on iCloud. You have a raw physical data in folders that you can shift/move around as you want. And you don't have to worry about someone hacking into your iCloud account. The data is almost always safe (the exception being when your PC runs into some trouble).
To backup manually in iTunes 11.x:
- Connect your iPhone/iPad to the PC/Mac
- Open iTunes on the computer
- Right-click on your device from the sidebar and click on Back up now...
- Or, click on the device name from the top and then under the Summary tab, click on Back up Now (found under Backups).
You can also delete a backup if you don't want many backups to pile up on your disk. Here's how to delete backups to free up disk space.
Back up via iCloud
Apple and many others recommend this backup more because this is supposed to be a safer and an easier method. There is no plugging in and there is no need to manually backup. iCloud more or less automates the entire process so much that you don't have to worry at all.
To setup iCloud backup:
- Open the Settings app from your iPhone/iPad
- Tap on iCloud
- Now, scroll down and tap on Storage & Backup
- Switch ON iCloud Backup (You will be warned that the iPhone will not auto-sync when you connect to iTunes. More on this later. For the moment, tap on OK)
- If you're connected to a Wi-fi network, tap on Backup Now to initiate the backup.
With iCloud backups, your iPhone/iPad gets backed up automatically to your iCloud account. There's 5GB of free storage that comes with your iCloud account (upgradable) and this will be used for the backup. (Photos from Camera roll, Safari data, Mail, Calendar and almost everything else is backed up.)
The only big change is that next time you connect your iPhone to the computer, iTunes will only sync but not backup. You will have to manually backup your iPhone through iTunes to save a copy of the data on your computer.
So that's how to backup your iDevice and make sure you don't run into any data-related problems when you reset your iDevice.


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Schedule your appointment for appliance repair service today!
Its simple! just Call, Email or fill the form out below to contact a PDQ representative today!!
Appliance repair service here at PDQ!
We can fix it!
If you're looking for appliance repair in the Portland OR, Vancouver, WA area then you found the right place. PDQ specializes in Washer and dryer repair as well as electric range oven and refrigerators. Our authorized service professionals can help you with you Samsung, LG, Maytag appliances. We can also service Whirlpool, Electrolux and Frigidaire appliances as well.
Contact us today and see why PDQ is your 1st choice for appliance repair in the north west!
For appliance repair call or e-mail us today to schedule your service and have your questions answered!
For fastest appliance repair services, call us at the following numbers:
(360) 719-4810 For Appliance Repair Services In the Vancouver Area
(503) 444-9340 For Appliance Repair Services In the Portland Area
Reach us by E-Mail:


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NOLA 2013: French Quarter (but most specifically Bourbon Street)
We spent a lot of time walking around the French Quarter & on Bourbon Street. A lot of us were surprised by how much was on Bourbon Street. It was bar after bar with the occasional souvenir shop & strip club thrown in. It was like a poor man's version of Vegas. We all decided that we liked New Orleans a lot better though :).
We rode the trolley into the French Quarter every day. Our house was only a block away in the Garden District.
Some of our group. It was hard to round up all 13 of us at once for a photo.
Better than Cafe du Monde!!
We sang & danced all night!
We cruised up & down Bourbon Street for a few nights.
We had to take a quick break from the drinking to stop & see the sights of the city.
Every house in the French Quarter was gorgeous.
All us girls! Such a fun group of ladies to spend a few days with.
This is as crazy as we got... fake boob shirts
- Photos © Holly Carman -
You can view the rest of my photos here :)


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Deer antlers hover in full force on the walls of Freemans Sporting Club, a sure sign that something unique is going on in this stylish Lower East Side men's shop. You'll find an eclectic mix of products here, including handmade suits made from deadstock wools and stitched by Brooklyn craftsmen, Quoddy moccasins and an irresistibly manly assortment of tools. Or head straight back to the salon for a cut and a shave.
8 Rivington StManhattan, NY 10002
(212) 673-3209
Clothing & Accessory Stores
Bridal & Formalwear
Men's Apparel
Bridal & Formalwear
Men's Apparel
Payment Types
Credit Cards Accepted


text: Our next walk is on Thursday, 17th November, starting at 10am. It will be from Draughton Crossing car park, on the Brampton Valley Way. From Market Harborough follow the A508 south to Maidwell. Turn left in the village (sign says 'Primary School') and the BVW is about three-quarters of a mile further on. The walk will cover 5 miles, and will be through Maidwell to Maidwell Lodge and Blueberry Lodge. We plan to finish by 12.30pm. Please let us know if you would like to take part. New members welcome. Alastair & Christine Willis.


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City of Fairhope, ALHome Menu
Obtaining a Business License in Fairhope
Starting A Business In Fairhope
Anyone wishing to start a business or do business in the city limits or police jurisdiction of Fairhope will need a Fairhope Business license. It is important before starting a business that owners also verify that the location of the proposed business is properly zoned for that specific type of business. Zoning information may be obtained from the Planning Department or from the Revenue Officer.
Business license applicants should fill out the form below and return it to the Revenue Officer at City Hall. All license fees are based on gross receipts. The form below can be completed and mail back to the Revenue Office with a copy of a current photo id and any certifications required or special license required by your specific profession.
The Revenue office is located at Fairhope City Hall, 161 North Section Street and is open Monday - Friday from 8 a.m. to 5 p.m. The mailing address is P.O. Drawer 429, Fairhope, AL 36533.
For information on business licenses and permits, including a list of rates, contact the Revenue Officer at 251-928-2136.
- Business License Application [PDF]
- Business License Code, Taxes Regulation [External Link]
- Franchise Fee Quarterly Return [PDF]
- Lodging Tax return (Individuals) [PDF]
- Lodging Tax return (Property Managers) [PDF]
- Cigarette/Tobacco Tax Return [PDF]
- Liquor Tax Return [PDF]
Pay Your Sales Tax Online
To pay your city sales tax online please visit The Alabama Department of Revenue.


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This article is originally published by The Muse. We've all been there. You pour your energy into a new resume and craft the perfect cover letter. After anxiously pressing "submit" on the online application, you wait—and wait, and wait. But you never hear back about that dream job. There's a reason why, and it may have … Continue reading How Big Data Can Make or Break Your Job Search
Clients demanding more from contingent workforce providers
The trend of providing employee-style benefits to contingent workers is overall positive, but recruiters and contractor management organisations are wearing most of the associated legal risks, a seasoned HR professional says. The contracting model traditionally used to be "we'll do your payroll and your super, but you're kind of on your own for the rest … Continue reading Clients demanding more from contingent workforce providers
What You've Been Doing Wrong in Job Interviews
This article is exclusively written by Loren Brown for Career Money Life. There are a variety of reasons why candidates fall short in interviews and never land that coveted position. These can range from tangible skills and performance all the way to how applicants present themselves. HR managers and interviewers are constantly amazed at the … Continue reading What You've Been Doing Wrong in Job Interviews
The best jobs in Australia for 2018
This article is originally published in Business Insider. Global jobs site Indeed has analysed its search data for Australia, uncovering the best local jobs. Indeed examined tens-of-thousands of job posts to identify well-paid roles that have seen remarkable levels of growth and present great opportunities for job seekers or those considering future career options. Technology, … Continue reading The best jobs in Australia for 2018
Why open plan offices are like a nudist beach
This article is originally published in The Washington Post. In the #MeToo era, an open-office environment might seem like the perfect solution for fixing the sexual harassment that can take place behind closed office doors. If there are glass walls everywhere, and no one has doors or even plastic partitions to reserve any sense of privacy, groping and sexual advances might be harder … Continue reading Why open plan offices are like a nudist beach


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I cant Believe creative designs I mean the first one it looks so amazing! If I started making one of them It will take whole year lol or maybe more! But I really the fantasy fact of these Space art! Really brilliant design.
As Usual You always bring something that actually not only useful but great for inspiration.
Thank You Man!!


text: THE MEDICINES PATENT POOL WELCOMES NEW EXECUTIVE DIRECTOR GREG PERRY To read this in your browser, go here: http://www.medicinespatentpool.org/?p=1936 GENEVA, 14 NOV 2012: The Medicines Patent Pool is pleased to announce the appointment of Greg Perry, currently Director General of the European Generic Medicines Association, as its new Executive Director, effective 7 January 2013. "We are excited to have Greg Perry take the helm at the Patent Pool. His long experience representing the generic pharmaceutical industry in Europe and globally will be invaluable in taking forward the work of the Medicines Patent Pool as it continues seeking licences which will enable more people living with HIV to be treated with affordable generic drugs," said Charles Clift, chair of the Medicines Patent Pool Governance Board. "The Medicines Patent Pool is an innovative mechanism that can dramatically change the lives of people living with HIV while offering a win-win proposition for both businesses and public health. By creating a partnership between patent holders and generic producers through the Medicines Patent Pool, access to HIV medicines can be expanded to the 34 million people currently living with HIV that will all likely need treatment. Through patent pooling, quality, cutting edge treatments can be made more easily available for all people with HIV, and the development and production of critically needed fixed dosed combinations (FDCs) and paediatric formulations can be enhanced. I look forward to joining this exciting project and working with all concerned stakeholders so as to make a significant contribution to increasing access to medicines," said Greg Perry. Greg Perry joins the Medicines Patent Pool with over 20 years experience in pharmaceutical and intellectual property policy issues. Greg has an extensive track record of high-level advocacy with governments, international organisations, pharmaceutical stakeholders and NGOs and has a personal commitment to improving public health. Greg founded the European Generic Medicines Association in 1993 and has been its Director General since 1999. He is also a founding member of the International Generic Pharmaceutical Alliance and has been on its management committee since 1997. Prior to joining the generic industry, Greg advised corporate and non-governmental organisations on European Union legislation and policy. Greg was awarded the Golden Cross of Merit of the Republic of Poland in 2004 for contribution to industry and European integration. He was granted an honorary life fellowship of the Organisation for Professionals in Regulatory Affairs (TOPRA) in 2005 for contributions to European pharmaceutical regulatory issues. Greg is also member of the Standing Advisory Committee before the European Patent Office. "When I first came across the idea of a Medicines Patent Pool several years ago, I had a vision of an organisation that could demonstrate a new business model for the future – one that could work for all stakeholders: originator pharmaceutical companies, generic companies, and most importantly people living with HIV. In Greg Perry, the Pool has chosen someone who can help take that vision forward," said Philippe Douste-Blazy, chair of innovative financing mechanism UNITAID's Executive Board. UNITAID, an organisation devoted to increasing treatment for HIV, tuberculosis and malaria, helped create the Pool in 2010. ------ About the Medicines Patent Pool The Medicines Patent Pool, founded by UNITAID in 2010, aims to lower the prices of HIV medicines and facilitate the development of better-adapted HIV medicines, such as simplified "fixed-dose combinations" and special formulations for children. It does this by creating a pool of relevant patents for licensing to generic manufacturers. Facilitating generic competition brings down prices and can help stimulate innovation. The Medicines Patent Pool has been endorsed by the World Health Organization, the UN High Level Meeting on AIDS, and the Group of 8 as a promising innovative approach to improve access to HIV medicines. For more information, see www.medicinespatentpool.org, or contact Kaitlin Mara at kmara at medicinespatentpool.org.


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We've improved the way we stress-test your clients for buy-to-let mortgages. Which means we say yes to more customers. Good news for you, and them.
First, the interest rate stress on 5 year fixed products is now 5.00%
We've lowered our interest rate stress for 5 year fixed rate products to 5.00%.
For all other products, the interest rate stress is 5.50%.
Second, the straight balance swap interest rate stress has reduced from 5.99% to 5.50%
Buy-to-let remortgages with no additional borrowing are now offered at a lower interest rate stress of 5.50% across all products, at 125% of rental income.
For full details of our current buy-to-let policy, visit our website or talk to your dedicated Business Development Manager.


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Social Media Graphics
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We are here for you. Visit the Help Center.
It may be awhile before things get back to normal, and there are tough times ahead. That's why it's crucial that US businesses, particularly restaurants, develop a game plan to stay afloat and
Jayne Beale is doing some cool things for her school district and community. Churning out content for school and making teaching a creative experience remotely, the Covid-19 pandemic is not stopping
As the world goes in isolation during the Covid-19 pandemic, getting the community physically together is no longer possible, but you can keep the spirit of communion alive in these trying times. Re


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There are no scary ingredients in this Monster Toast Halloween recipe, just 100% plant-based goodness.
Halloween food is often super sugary and full of additives, but I have almost taken it back to basics with this avocado toast with a twist. It includes two of my favourite foods that are naturally green- AVOCADO and PEAS. I've paired them with lime juice and green Pumpkin Seed and Chia That Protein powder for extra nutritional benefits. If you're interested, there's some pretty comprehensive information about the vitamins and minerals in pumpkin and chia seeds over on the That Protein website so follow this link to take a look.
Related post: Sweet Potato and Raspberry Chocolate Truffles made with pumpkin protein powder
How to make a Halloween Monster Toast
I used sliced black olives for eyes, bread for teeth shapes and tomato puree for blood! Credit to my boyfriend for cutting out the mouths while I was finding all of my Halloween decorations for the photo shoot! I think he did a great job and it shows you that you can make these avocado toast monsters as cute/goofy or scary as you want to.
Related post: 15 All Vegan Halloween Recipes using fruit and veggies
Halloween party idea
It was so much fun to make these and I think they would be perfect for any Halloween party. It might even be a good way to trick the kids into eating some veggies and protein before they fill up on chocolate and sugary treats! You could even serve the toppings separate to the toast so people can make their own face!
Related post: Halloween Pumpkin Spice Oat Cakes
Monster Toast Halloween Recipe
Serves 1
2 of your 5-a-day
- 2 slices of wholemeal or sourdough bread, plus extra to make teeth.
- 1/2 medium or 1/3 large avocado
- 1 cup frozen peas
- 3 tbsp. That Protein – pumpkin and chia seed protein
- Squeeze of lime juice
- 2 slices of olive for eyes
- tomato puree 'blood'
- Salt and pepper to taste
- Toast the bread to your liking.
- Defrost the peas for 1-2 minutes in the microwave.
- Mash together the peas and avocado using a fork. I kept it a bit chunky.
- Add in the pumpkin and chia protein powder, lime juice and season to taste.
- Spoon half of the mixture onto each piece of toast then decorate it into a monster face.
Which of the toast monsters is your favourite?
P.S. I am collaborating with That Protein on a series of recipes after winning Best Vegan Blog at the Health Blog Awards 2017, sponsored by That Protein. I love That Protein powders because they taste great and that there are no added flavours or artificial sweeteners – there is no added sugar in 4/5 flavours and the nutty nutty peanut butter is sweetened with a bit of coconut sugar.


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NAHRO Fellowship
Purpose: NAHRO Fellows are honored because they have demonstrated, over a sustained period of time, their commitment to improve the housing conditions of their fellow citizens and/or the viability and sustainability of the communities in which they live and/or work. Award recipients may use the designation "NAHRO Fellow" professionally as a designation after their name, and may be called upon for mentoring and service to NAHRO and its members.
History: The Fellowship Program was established in 2007 by the NAHRO Board of Governors to honor members for their accumulated wisdom and mastery as seen by their achievements and their actions within their own communities.
Each nominee must:
- Have been an individual or associate member of National NAHRO for at least three years.
- Have at least 12 years of professional experience in housing and/or community development
- Have graduated from a college or university or have a combination of professional training that demonstrates a commitment to self-improvement and professional development.
- Be able to demonstrate significant contributions to the housing/cd fields in five of the eight categories including Association Mastery. Mastery in either the policy area or the practice area is also required.
- Be sponsored by a region/chapter/or state association.
- Have letters of support.
- Be willing to serve as a mentor.
- Be approved by the BECT Chair and Vice Chair to assure they are in good ethical standings.
Endorsement Guidelines:
- Regional/Chapter endorsements should not only endorse the candidate, but they should also provide specific examples of the candidate's involvement in the region/chapter and how their involvement has improved the region/chapter as a whole.
- The Fellowship Nominee's endorsement letter should not only state that the information provided is accurate and complete and they will abide by the obligations if selected, it should also include a statement addressing their willingness to be a mentor and provide examples of such.
- Current sitting Fellows should refrain from writing letters of endorsement or support for NAHRO members submitting applications for Fellowship consideration. Fellowship candidates should seek endorsement letters from NAHRO members not designated as Fellows.
- NAHRO members that have submitted an application for consideration for the NAHRO Fellowship Program shall refrain from personally contacting sitting Fellows that serve on the jury and deliberate on member applications.
Other Guidelines:
- All papers or published articles referenced in the application need to be research based.
- In mastery sections, applicants need to not only site awards/nominations received, projects worked on, strategic plans created, etc. but also provide brief details of the project/program itself and the outcome. How did it benefit the agency/organization/community?
- $25 for those submitted by May 1
- $50 for those submitted by June 1
- $75 for those submitted by July 1
Benefits and Obligations of NAHRO Fellows: Upon admission into the NAHRO Fellowship, individuals will receive benefits befitting their contributions to the profession. They will also have an obligation to continue to support NAHRO, the profession and individual practitioners. These obligations and benefits are as follows:
- Individuals may use the designation 'NAHRO Fellow' professionally as a designation after their name, in a manner consistent with guidelines approved by NAHRO;
- NAHRO Fellows are expected to serve as mentors to impart their knowledge to the extent that their other business, family and personal obligations allow;
- NAHRO Fellows are expected to continue to be involved in NAHRO, its program activities, conferences and instrumentalities, as appropriate;
- NAHRO Fellows are expected to continue to uphold the code of professional conduct and any ethical standards specific to the NAHRO Fellowship which may be promulgated at a later date.
- Individuals will be given the opportunity to participate in specific programs and activities of the NAHRO Fellowship, time and cost considered; and
- Fellows will be called upon from time to time to serve NAHRO as jurors as needed to sustain the growth and development of the NAHRO Fellowship Program.
NAHRO Fellowship Application -- The Application Process is Closed
Successful candidates will have attained mastery in Professional Association Mastery and at least four of the other Mastery categories, one of which must be either Policy Mastery or Practice Mastery. Recipients will be selected on the basis of their contributions in areas 1 through 9.
- Professional Association Mastery: the candidate's service to NAHRO through elected or appointed leadership at the Chapter, Region or National level; involvement in special projects, programs, policy; active participation in committees; involvement in membership recruitment, etc. [0-20 points]
- Policy Mastery: the candidate's ability to develop/enact strategic plans, create local, state or federal funding mechanisms, housing trust funds or linkage programs; lead or guide others to enact or implement new housing programs, or housing/community development and/or preservation policy; create or administer land use policy or programs which create new affordable housing, preserve and improve neighborhood quality and safety or create communities with substantial affordable housing and development; etc. [0-20 points]
- Practice Mastery: the candidate's ability to create viable, durable partnerships; conceive, create or implant best practice programs or developments; create innovations in organizational management, maintenance, finance development or human services; deliver innovative human services and outreach to the homeless, disabled, elderly or chronically mentally ill; etc. [0-20 points]
- Mentoring Mastery: the candidate's ability to create resident leaders, support or coach peers, guide staff and others in the local community; provide support or guidance to young professionals; etc. [0-15 points]
- Education and Training Mastery: the candidate's participation as a guest or regular lecturer or teacher of housing and community development topics; development of curriculum or media; involvement in testing, evaluating or credentialing; participation in conference sessions, speaking engagements or trainings; ability to disseminate information to or engage the public; etc. [0-15 points]
- Governance Mastery: the candidate's ability to lead a board locally or within NAHRO or other state, regional or professional affiliate; to serve or be involved in NAHRO, housing/community development association, authority, non-profit board or commission; to hold elected public leadership such as city, county, or school district; to provide leadership to resident or youth organizations, etc. [0-15 points]
- Research/Scholarship/Journalism Mastery: the candidate must have published at least three articles or at least two significant works of research or served as an editor/publisher of media germane to the housing and community development profession. [0-15 points]
- Volunteerism Mastery: the candidate's ability to participate as a volunteer contributor to NAHRO, local, regional or national task forces, working groups or committees; to help with crisis prevention, disaster relief, street outreach or construction of housing or community facilities; to serve as a therapist, counselor or minister; to participate in local service organizations, churches, temples or congregations; to be involved in local fundraisers, funding development or community foundations; etc. [0-15 points]
- Fellows Obligations: the candidate's ability to serve as a mentor to impart his/her knowledge; to continue to be involved in NAHRO, its program activities, conferences and instrumentalities; to participate in specific programs and activities of the NAHRO Fellowship; to serve NAHRO as jurors as needed to sustain the growth and development of the NAHRO Fellowship Program; and the candidate's ability to uphold the code of professional conduct and any ethical standards specific to the NAHRO Fellowship. [0-10 points]
Nominees must receive an average score from the jury of at least 70 points to be considered for receipt of the award. The top six scores in the above categories will be used for consideration.
NAHRO Fellows
Class of 2019
- Shaundra N. Clark, PHN, SPHM, Executive Director, Housing Authority of the City of Tifton, GA
- Kurt G. Wiest, CME, PHM, Executive Director, Bremerton (WA) Housing Authority
Class of 2016
- Winston Henning, PHM, Executive Director, Jackson Housing Authority, Jackson, TN
- Richard Herrington, Jr., CMPO, NCC, CME, Executive Director, Housing Authority of the City of Hot Springs, Hot Springs, AR
- Jacob L. Oglesby, Executive Director, Housing Authority of the City of Augusta, Augusta, GA
- L. Thomas Rowe, Executive Director, Murfreesboro Housing Authority, Murfreesboro, TN
Class of 2014
- Dianne Hovdestad, PHM, CMMO, CMPO, Sioux Falls Housing and Redevelopment Commission
- Carl S. Richie, Jr, NCC, Commissioner, Austin (TX) Housing Authority
Class of 2013
- Carlos A. Sanchez, Executive Director, Grand Rapids (MI) Housing Commission
Class of 2012
- Richard C. Gentry, President and Chief Executive Officer, San Diego (CA) Housing Commission
- Christina M. Pegg, Executive Director, Longview (WA) and Joint Pacific County Housing Authorities
Class of 2011
- James M. Inglis, CME, Executive Director, Livonia (MI) Housing Commission
- Mary E. Paumen, Senior Project Manager, Training and Development Associates, Inc,, Coatsville, PA
Class of 2010
- Raymond Bender, Executive Director, Redevelopment Authority of the County of Lebanon (PA)
- Jane C.W. Vincent, Former Senior Vice President- Development, Delaware Community Foundation, Wilmington, DE (Currently HUD Regional Administrator, Region III, Philadelphia, PA
Class of 2009
- Tina Akers Brown, PHM, Executive Director, Greensboro (NC) Housing Authority
- James L. Hargrove, PHM, Former President and CEO, Housing Authority of the City of Austin (TX)
- Renée Rooker, CME, SPHM, Executive Director, Walla Walla (WA) Housing Authority
- David Zappasodi, Executive Director, Arlington (TX) Housing Authority
Class of 2008
- Donald J. Cameron, SPHM, Chief Executive Officer, Housing Authority of Charleston (SC)
- Larry Cobb, Executive Director, EthicsWorks
- Montez C. Martin, Jr., Former Executive Director, Charleston County (SC) Housing and Redevelopment Authority
- Jerome D. Ryans, President/Chief Executive Officer, Housing Authority of Tampa (FL)
- Austin J. Simms, PHM, Executive Director, Lexington (KY) Housing Authority
- Frank L. Wilcox, PHM, Executive Director, Housing Authority of Monroe (LA)
- Abraham Williams, PHM, Executive Director, Housing Authority of Bowling Green, KY
- Julie Williams, Executive Vice President, Idaho Housing and Finance Association
For more information on the Fellows, please visit: http://www.nahro.org/nahro-fellows
- Benefits and Services
- Join NAHRO
- Best Practices Database
- Awards for Agencies
- Awards for Individuals
- NAHRO Fellows Information
- Industry Jobs
- Educational Scholarships
- Agency/Organization NAHRO Associates List
- Associate Information Management Form
- Agency/Organization Information Management Form


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The beginnings of Ormonde Jayne are far from glamorous, started almost by chance and at the time little more than the passionate hobby of an uncompromising perfectionist. Linda's interest in perfumery started early, intrigued by the passion and romance of perfume and perfume bottles. This passion led her to her first career, growing and selling flowers by the roadside outside her Cheshire family home. She learned to make scented candles and bathing oils from craft sets and courses, and created beautiful scented cushions for gifting.
The following fourteen years were spent traveling and working around the world. With a keen business sense and an eye for detail, Linda gained invaluable experience while owning and running a boutique hotel, a soya bean farm and even a small chain of ice cream parlours where she created exotic ice cream mixtures. In these fantastic locations, surrounded by luscious flora and intoxicated by heady scents, Linda first learned to appreciate and research exotic oils and essences – an extension of her childhood hobbies. On returning home, Linda continued with her love of scent and began creating a breathtaking new collection of perfumes.
Ormonde Jayne's philosophy is one of quality and true luxury, the pursuit of beauty and elegance. Their perfume library reposes on an exquisitely simple principle – extraordinary beautiful scents using speciality oils not widely used in the perfume industry today. Upholding the values of a perfectionist, Ormonde Jayne manufactures all its products in its own London laboratory. Their trained staff share the same vision and every new batch of scented products is carefully inspected before leaving the lab.


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Stockie Esbee – White
- With a cork-sole as its major component, the Stockie Collection features an arched foot cushion on the smooth insole, with a soft midsole for an all-day underfoot comfort and foot-arch maintenance.
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Additional information
|0.75 kg
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Starting your music career is an exciting and intimidating process. New musicians have to deal with a host of issues, both funny and less-than-hilarious, on the path to getting their music out there. Here are seven of the issues you might face as a new musician.
Feeling Like the Odd One Out
After you enter your thirties and friends are starting to settle down, work desk jobs, and have children, it's easy to feel left behind if you're working evening open mics and recording music during business hours. Many new musicians feel like they are no longer the same person in their friend group, but keep in mind that your job is just that—your job.
Having a Hard Time Explaining Your Sound
New musicians are familiar with a wide range of music terminology, so talking shop with other musicians is a piece of cake. However, when someone who isn't very musically inclined asks about your sound, it can be annoying to need to explain it in terms of comparisons to other artists or songs that they haven't heard of.
Celebrating the Little Things
As a musician who is just starting out, you will need to celebrate the little things to keep the motivation needed to go forward with your career. However, other people might not be as enthusiastic about your three-sentence write up in an online indie blog. That's okay! Still, take the time to celebrate the little things.
Skipping Social Events
Local musicians often have work hours that overlap with the entertainment and leisure hours of other people. That often means that you will be stuck working when your friends are out bar hopping or at another concert. Try to balance your social life, but realize that your typical weekend plans will change.
Not Having Enough Cash
If you remember what it was like to be a freshman in college, prepare for a similar feeling while you are fresh in your music career. The money you make for shows and merchandise just starting out will be very little compared to your expenses.
Feeling Like an Imposter
Imposter syndrome can strike in any career, but it's particularly common for new musicians while they struggle to gain traction. Reassure yourself of your talent and keep in mind that the path to success will not always be easy or pleasant.
Wanting to Give Up
Finally, many new musicians struggle with the desire to give up when things get hard. However, many of the most popular bands today had the same struggles and persevered. The question is not always how good you are, but how hard you are willing to work in the face of adversity.
En La Calle Records to Get Your Music Out There
Are you interested in taking your music to the next level? Are you looking for a committed and talented group of like-minded people to collaborate with? Submit your tracks to us online and we'll give them a listen. Check out our music here or search on iTunes for En La Calle Records and you'll see why we're different. To see more of what we're up to and listen to more of our tracks, follow us on Facebook, Twitter, and YouTube.


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This report provides detailed analysis of worldwide markets for Proton Therapy Systems from 2011-2016, and provides extensive market forecasts (2016-2021) by region/country and subsectors. It covers the key technological and market trends in the Proton Therapy Systems market and further lays out an analysis of the factors influencing the supply/demand for Proton Therapy Systems, and the opportunities/challenges faced by industry participants. It also acts as an essential tool to companies active across the value chain and to the new entrants by enabling them to capitalize the opportunities and develop business strategies.
Proton therapy systems, or proton therapy center, is a huge medical equipment (usually housed in a purpose built building) used for cancer treatment. Nowadays, proton therapy is one of the most technologically advanced treatments for cancer for its fewer side effects and a better quality of life during and after treatment. Proton therapy system also avoids the risks of post-operative recovery associated with surgery.
Proton therapy is vitally important in the treatment of certain cancers in children, tumours of the eye, base of skull and para-spinal tumours and is becoming the treatment of choice for many cancers such in head and neck, brain and spinal, prostate, lung, gastrointestinal and breast.
Read Complete Report With TOC:
Report has been prepared based on the synthesis, analysis, and interpretation of information about the global Proton Therapy Systems market collected from specialized sources. The report covers key technological developments in the recent times and profiles leading players in the market and analyzes their key strategies. The competitive landscape section of the report provides a clear insight into the market share analysis of key industry players. The major players in the global Proton Therapy Systems market are Varian (USA), Mevion (USA), ProTom International (USA), IBA (Belgium), SHI (Japan), Hitachi (Japan), Mitsubishi Electric (Japan).
The report provides separate comprehensive analytics for the North America, Europe, Asia-Pacific, Middle East and Africa and Rest of World. In this sector, global competitive landscape and supply/demand pattern of Proton Therapy Systems industry has been provided.
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State Sen. Andrew Rice (D-Oklahoma City), pictured right, will liveblog on Daily Kos at 3 p.m., Thursday Dec. 13. Here is the link.
Rice, a progressive Democrat, is running against U.S. Sen. Jim Inhofe in the 2008 election. Rice, 34, hopes to upset the 73-year-old Senator who has become a symbol of everything that is wrong about Washington politics today.
As Rice reaches out to his constituents and voters, Inhofe, who denies the existence of global warming, will be "gearing up to filibuster a Republican bill that will confront climate change and carbon emissions." (That's not a typo. It's a Republican bill.)
Inhofe continues to embarrass the state with his personal war on science. His political stunts, which only serve the interests of the big oil companies, make the state seem backwards. If the state's chamber of commerce types really want to improve economic development here, they will get behind Rice's campaign.
It's time for a change. The state needs to send Inhofe into retirement and elect someone as U.S. Senator who is forward thinking and intelligent. Check out Daily Kos here at 3 p.m.


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趋势论坛 & 展会
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From the 23rd July to the 25th July Sara Maggioni will be taking you through the key looks, colours, shapes and fabrics that will be huge in S/S 18 for menswear and womenswear.立即注册
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六月 23, 2017
Youth rising: Capturing the next wave of consumers
By 2020, Generation Z will be the largest group of consumers worldwide, making up 40% of the US, Europe and BRIC countries. With only 8 seconds to capture their attention, what will be the key strategies to engage this customer? Plus we take a sneak-peek at the newest generation – the Alphas – and how the influence of their Millennial parents is set to impact their future behaviour.
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六月 23, 2017
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