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Community Focus: Jon Corrigan & How Financial Advisors Must Evolve to Survive
Today, we are doing an exciting blog written by Finaeo friend, Jon Corrigan. Jon co-owns Corrigan Financial and is a group benefits consultant and Certified Financial Planner ®. In today's blog, he is talking about the future of financial advisors and how they will have to focus on planning instead of selling products in the future.
The Future of Clients
To best understand where advisors are going, let's first turn towards the client of the future. After all, without clients, there is no such thing as a financial advisor – so understanding the trends that will affect them is seriously important. As we enter the fourth industrial revolution, we are watching a transformation from economic childhood to economic adulthood. This is a massive shift. Whereas past generations could rely on their organization, union or government jobs to provide them with a secure retirement, we have seen an erosion of these institutional paradigms since the 1970s. Even today, Canadians without an employer retirement plan are failing at saving appropriately for retirement, with "only 15 to 20 per cent of middle-income Canadians retiring without an employer pension plan have saved anywhere near enough for retirement."
And these institutions are going to crumble further over the next decade as technology speeds the process up immensely. In Canada, some estimates have predicted that automation could replace 7.5 million jobs over the next 10-15 years. To call this a massive disruption is an understatement. There's also a huge shift away from staying with one company for long periods and towards job hopping. Gen Y'ers who graduated in 2002 had 3.9 jobs on average in the first 12 years of their careers, versus 3.2 jobs for Gen X'ers who graduated in 1992. I haven't seen data for millennials, but I suspect they will switch jobs even more regularly. In other words, the stable employment income and retirement savings of yesteryear are a long gone dream.
But it's not all bad news. The sky is not falling. The digital decade has also shown some astoundingly positive changes. Technology has given many people the ability to become economically self-sufficient in ways that never existed before. People with no prior experience can, and are, using technology to create brands and businesses doing what they love. It's much easier for people to become entrepreneurs and earn money in ways that weren't even possible ten years ago. Shopify is a worldwide phenom due to its ability to allow the average person to start selling their crafts and wares. Uber lets anyone with a car become a cabbie. Online advertising lets you compete for eyeballs with massive brands in a way that's never existed before. Even job switching is not necessarily a bad thing – it tends to go hand-in-hand with a faster increase in job salary, as "younger job holders saw their wages rise much higher than the 35 [and above] workers" when they switched jobs regularly.
What it does mean, however, is that we're looking at a fundamental shift in the future of work. And, as Uncle Ben used to say, "with great power comes great responsibility." Without institutions to protect individuals, the future will require a far greater amount of responsibility from people. We are entering an era where people must take full control of their own financial destiny. This means that as we move forward, financial literacy and education will become musts. People will need to hone these skills to successfully navigate life. And with our lives are busier than ever, most people will need either technology, an advisor, or, most likely, a combination of the two in order to make that happen.
The Financial Advisor of Tomorrow is the Bionic Advisor
In the situation described above, financial advisors find themselves in a very unique position. As clients become more self-sufficient, they will also require more guidance from experts in the field. Advisors are in the right spot to provide great value in these situations, helping guide clients through the financial hurdles they will face, and the unforeseen periods of transition that will become standard for their clients. To do so, financial advisors will have to transform themselves into bionic advisors – advisors who use unique processes, skill sets, and technologies to deliver value to their clients.
At the core, the bionic advisor will be two things:
- The bionic advisor will be a financial quarterback
- The bionic advisor will rely on technology to service more clients
Let's turn first to #1.
The Bionic Advisor as an Educator
As mentioned above, we are entering an era where people will be forced to take responsibility for their financial health, both present and future. Unfortunately, as a society, we are financially illiterate. Nobody is taught how to think about money, risk, insurance, or financial planning. Now, when institutions took care of people, that was less relevant. But in economic adulthood, this means that a whole slew of people are going to run into trouble. Trouble when automation puts them out of a job, forcing them to take time off to upskill. Trouble when they develop a critical illness and lack benefits to help maintain stable cash flow. And trouble when they decide they want to pursue a passion business but have no idea how to stay afloat financially while doing so.
In my opinion, the bionic advisor's future job will transform from selling products to becoming a client's financial quarterback. The bionic advisor will become someone clients turn to to help navigate the financial challenges and problems they are having. And these challenges and problems will be a different set of challenges and problems than those that exist today. What clients will be looking for, more than anything, is someone they can trust to help them through the much muddier waters of financial insecurity and uncertainty.
Today, the best source of financial literacy for adults is in the workplace through group benefits advisors. However, this tends to fall well below the necessary level to really teach people, often being an after-thought for group advisors. It's true that people with means tend to be taken care of. If you're a high net worth, you likely have a financial planner, wealth manager, or family office. However, the average, middle-class worker often fails to reach out to financial planners or understand the value proposition. And in a future world where more people are working for themselves, have a secondary job, or potentially are working without benefits, everyone will need this kind of high-touch approach to stay safe.
That's not to say group benefits will entirely vanish – I believe they'll always be around, just in different forms. But it seems almost certain that as employees become more transient, benefits will change, and individuals will need to start understanding insurance on their own. Moreover, advisors will need to change too. In a new world, advisors are going to need to re-think their approach to savings, investments, retirement, and insurance compared to a world where their clients had forty years of stable employment and cash flow.
We're seeing the beginnings of this, with clients increasingly demanding customized solutions and tools specific to their situation. This is already happening in other aspects of their lives, so why not financially as well? Wayne cotton – a well known name to many advisors – coaches advisors to great success by teaching them to work with clients that fit a specific profile and have similar needs. Dan Sullivan, of Strategic Coach, believes that for advisors to thrive, they will have to become "unique process" advisors who work with specific clientele by providing unique solutions for them. In this way, most advisors would likely become very niche in order to provide advice that can't be generated by apps or programs.
As such, there is a massive opportunity here for the bionic advisor as a quarterback. Such an advisor would work closely with the average person to help them suss out their financial health and generate a financial plan that they understand. As life happens, as things change, the bionic advisor will continuously help monitor their client's financial health for new realities, helping the client stays focused on the important aspects of their financial well-being.
The Bionic Advisor Will Rely on Technology to Service More Clients
The most interesting aspect of the bionic advisor as a quarterback is that it goes hand-in-hand with technology platforms. To me, how bionic advisors will use technology is very similar to how bookkeepers use Quickbooks to help with their clients' accounting needs today. There are two major points here:
- Compared to a world without Quickbooks, bookkeepers today can deal with a far larger number of clients
- Quickbooks can also be used by small business owners on their own, not just bookkeepers. However, many business owners still opt to hire a bookkeeper to save time and gain peace of mind.
I believe financial advisors are going to see technology deliver a very similar set of outcomes. First off, by adopting technologies, they will be able to create great efficiencies in their businesses. Imagine a future where as soon as a needs analysis is done with the client, that client has a series of quotes and recommendations produced in real-time. All of a sudden, the market research aspect of insurance will vanish freeing up quite a bit of time. Instead, time with the client will be spent planning. It's a different paradigm. In a future where every client can get products online, the value of accessing products for the client will vanish. Bionic advisors will become more knowledgeable because they won't be learning about products and focusing on product sales. Technology will allow the transformation into financial quarterbacks by freeing up time. This free time will also allow bionic advisors to take on more clients. After all, think about how much more effective your business would be if you didn't have to do almost any back office work, focusing instead on one-on-one interactions with prospects and clients.
The second major point of interest is that the future will give consumers access to purchasing all sorts of products. Similar to Quickbooks allowing business owners to do their own accounting, technology will allow consumers to do their own product purchase and planning. From insurance to investments, we are seeing multiple players going direct to consumer. However, much like bookkeepers today, the bionic advisor will still be necessary for two main reasons. First, to save time – while clients may be able to get smart and use technology to create a financial plan, most won't want to. Second, to help even knowledgeable clients get comfortable with their financial decisions. Like the bookkeeper, bionic advisors will create peace of mind for their clients.
Overall, then, the bionic advisor will be in a great position. Technology will streamline the boring aspects of his or her job, allowing a larger book of business to be built. It will also allow the bionic advisor to compete with direct to consumer offerings.
How can financial advisors prepare today?
Moving forward, I believe financial advisors will need to know how to provide more holistic financial planning. If the bionic advisor becomes a financial quarterback instead of a gatekeeper to product, then it makes sense that advisors today should get more comfortable with holistic planning as opposed to just focusing on insurance and / or investments. As such, advisors today should invest in their education and obtain a CFP designation. This will give them the expertise to help clients through complex situations, understanding how it will affect the bigger picture. Some areas of the planning and purchasing process are likely to become fully automated which could actually be a good thing. Automation could free up time better spent as a client's confidant. This free time will also allow advisors to work closer with clients, building better relationships and creating unique solutions for clients."
Financial advisors should also spend time understanding the trends and changes that are upcoming. Talk to some millennials, spend time with some generation X'ers – understand what their struggles are and what they are going through. They will be your future clients. Understand how to service them and what they are looking for in an advisor. For one, these clients are demanding new technologies. They are used to the simple, beautiful interfaces of WealthSimple-esque platforms. They will want you to offer them a similar customer experience. Likewise, clients are going to become more demanding for different types of communication. This becomes especially important when trying to develop financial literacy. Getting your clients' social media, sharing with them important articles over email, Twitter, or their preferred medium of communication will help keep them informed. Most won't read long articles, but some will – especially if you give them a summary at the bottom (or a twitter summary). Social media can also keep you updated on big life changes they are facing.
Even in employee benefits, one of my major focus areas, you are seeing changes that offer opportunities for advisors today. The days of selling group benefits for a company and then leaving are definitely coming to an end. if your main value proposition for clients is shopping the market to find the cheapest price – watch out. Players like League and Zenefits are going to be producing more and more pressure on your bottom line.
So what can a benefits advisor do today? Well, for one, they need to stop trying to sell primarily on price. Instead, group benefits advisors should start taking a bigger role in helping businesses by working with their employees as well. Recently, the Financial Planning Standards Council did a national survey that showed the biggest source of worry and stress for 42% of Canadians is money. There's no doubt this has an impact in the workplace, and advisors who are able to make the workplace healthier will provide a tangible impact to a company's bottom line. The opportunity, then, is for benefits advisors to reduce that stress by working one-on-one with employees on their financial well-being. Make employees less terrified of their financial futures, and you will make them better, healthier employees.
Finally, advisors today should educate people on their vocations and why it's important. The vast majority of people have heard the term financial planning, but don't know exactly what it is. They are generally shocked when I tell them financial planning isn't just about investing money and planning for retirement, but actually involves things like tax planning and financial management as well. Ask people if they know how advisors provide value to the people they work with. Not in a salesy way, but by having an honest conversation and see where you can dispel myths and educate them. People want to know how much you care before they care about how much you know.


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Hypopharyngeal cancer is a throat cancer that forms in the hypopharynx (lower part of the throat). Most hypopharyngeal cancers are squamous cell carcinomas, arising from the cells lining the inside of the throat. Hypopharyngeal cancer often occurs in pockets on either side of the hypopharynx (called the piriform sinuses). The symptoms and treatment options for hypopharyngeal cancer depend on the location of the cancer as well as several other factors such as, how large it is, and how far it has spread.
Doctors often can't explain why a person gets cancer. But we do know what makes some cancers more likely.
smoking (cigarettes, cigars or pipes) or using smokeless tobacco (snuff and chewing tobacco). If a person smokes or has smoked in the past, they have a higher risk of getting hypopharyngeal cancer than someone who does not smoke.
drinking alcohol. If a person drinks a lot of alcohol over many years, they have a higher risk of getting hypopharyngeal cancer, especially when combined with smoking.
Three out of four people with hypopharyngeal cancer have been a smoker or consumed alcohol regularly for a number of years.
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subset: commoncrawl


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EA's E3 question and answer session are over, and on account of the Titanfall 2 battle trailer releasing prior in the day, there weren't any gigantic shocks.
Indeed, even the segment devoted to the distributer's list of Star Wars diversions didn't uncover a horrendous part – with the exception of this:
Is that an X-Wing VR diversion we spot? It positively appears as though it.
In March, Electronic Arts and Sony declared they were cooperating to make a variant of Star Wars Battlefront, particularly for PlayStation VR.
Beyond any doubt enough, at EA Play 2016 EA said: "Ivories is additionally working with Criterion on a selective Star Wars Battlefront VR mission for PlayStation VR this year."
So it gives the idea that is what we're taking a gander at.
Be that as it may, EA's arrangement of Star Wars titles extends well past Battlefront: Titanfall maker Respawn is additionally taking a shot at an amusement, as is Dead Space studio Visceral Games.


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Sunday, September 17, 2017
Scouting The New Yuba At Fall Flows
With fall slowly approaching the Yuba River is now at a stable 1,000CFS. These flows have revealed new areas that will likely remain for the next few months until the winter flows change things up again. I took the time to check out the section above HWY 20 since it's been unfishable for the last ten months.
The river has completely changed above HWY 20. Much of the deeper slots have flattened out leaving shallow flat water in-between the three pool/riffle/runs in this section. This may limit where the fish will hold above HWY 20 making fishing below the bridge a better option. I flipped a few rocks to check out the bug life and although it's still there most of the insects were tiny. It's a bit of a toss up right now but if the fish return to this section the dry fly fishing in the flats will be amazing.
I've read that after calamity flows over 50,000 CFS the fish remaining in the Yuba River go through a cycle where they turn skinny. Last year after seeing high flows at 25,000 CFS we thought that this cycle would happen but the fish survived and remained fat and healthy. However this year with the flows reaching over 80,000 CFS it seems as if this cycle has begun.
I caught quite a few fish that fought like typical Yuba bows but they were all skinny. Some were longer than others but they all shared the same thin feature. I'm curious to see what the upcoming months will be like on the Yuba. With little to no salmon in the Yuba right now and only small thin trout to catch, the fall season on the Yuba this year isn't looking too great.
The future remains uncertain...
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The modern age has redefined the kitchen in New Zealand homes. It's no longer just a place where people cook food; it's a social space, an artistic place, a zone in which people interact over more than just chopping vegetables.
However, it's also a space that is important for selling or renting out your property. The state of your kitchen could make or break a tenancy or sale, so it pays dividends to ensure that this heart of the home doesn't just have a great look, but is appealing to as wide an audience as possible. Here's how you can get started:
Let's start with the aesthetics. Modern New Zealanders are looking for three things, according to Peter Hay Kitchens Technical Director Karl O'Hanlon: white, island and clean.
"Most design briefs I see for kitchens are for a contemporary style using a back-wall-and-island layout in white (or sometimes grey) tones," he explains to Houzz New Zealand.
"Customers want non-objectionable designs so they can maximise their capital gain at sale time."
However, that isn't to say that minimalism is the be-all and end-all of modern kitchen design. A cold, surgical kitchen could be just as bad as an overly flamboyant one. Instead, O'Hanlon recommends focusing on the details. Handle-less cupboards and drawers, timber accents and a central island with seating around the island; any or all of these could make your kitchen appealing to the clean, but inviting, aesthetic that modern New Zealand is looking for.
Did you know that the right kitchen renovation can pay you back $1.50 for every dollar you spend? According to Gary Caulfield, quantity surveyor and general manager of Construction Cost Consultants, they can be one of the most significant value-adding rooms for your home.
However, you have to know what people want to maximise value, and it appears that the current trend is towards clean, green, energy-efficient machines. According to one survey conducted by Homestar in 2012, almost nine in 10 Kiwis considered there was the potential for a higher price tag for a home that was energy, water and heating efficient.
What does that mean for your kitchen? It isn't always about looks; the right appliances, good insulation and other eco-friendly features could be just as important for attracting the best tenants or making the best sale.
Are you ready to upstyle your kitchen? Get in touch with the team here at Squirrel to find out how we can help you refinance your current mortgage and unlock the capital you need to make it happen. You never know, you might even find you get a better interest rate along the way.


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Capital acts as a buffer against losses and affords protection for account holders when a bank is struggling financially. It follows then that a bank's level of capital is a useful measurement of a bank's financial strength. When looking at safety and soundness, the more capital, the better.
The Citizens Bank of Fayette scored 30 out of a possible 30 points on our test to measure capital adequacy, beating out the national average of 13.13.
A bank's Tier 1 capital ratio is a widely used measure of this buffer. The Citizens Bank of Fayette's Tier 1 capital ratio was 38.93 percent, higher than the 6 percent level regulators consider adequate, and higher than the national average of 25.65 percent. A higher capital ratio suggests the bank will be better able to weather economic difficulties.
Overall, The Citizens Bank of Fayette held equity amounting to 19.12 percent of its assets, which exceeded the national average of 12.03 percent.
In this test, Bankrate tries to determine the impact of problem assets, such as past-due mortgages, on the bank's loan loss reserves and overall capitalization.
A bank with a large number of these types of assets may eventually have to use capital to cover losses, cutting down on its cushion of equity. It also means that there are likely to be many assets that are in non-accrual status and no longer earning interest for the bank, decreasing earnings and elevating the risk of a future failure.
On Bankrate's asset quality test, The Citizens Bank of Fayette scored 40 out of a possible 40 points, exceeding the national average of 37.49 points.
The percentage of problem assets a bank holds compared to its total assets is a handy indicator of asset quality.As of December 31, 2017, 2.35 percent of The Citizens Bank of Fayette's loans were noncurrent, meaning they were more than 90 days past due or were in non-accrual status. That's above the national average of 1.01 percent.
Banks keep a reserve known as an "allowance for loan and lease losses" to deal with troubled assets . Comparing the reserve's size to the total amount of problem loans can be a widely used indicator when evaluating a bank's ability to manage troubled assets. Unfortunately, the FDIC did not provide information on The Citizens Bank of Fayette's loan loss allowance in its most recent filings.
A bank's earnings performance has an effect on its long-term survivability. A bank can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, likely making the bank more resilient in tough times. Conversely, losses lessen a bank's ability to do those things.
The Citizens Bank of Fayette scored 10 out of a possible 30 on Bankrate's earnings test, falling short of the national average of 15.12.
One key way to measure a bank's earnings is return on equity, or net income (essentially profit) divided by total equity. The Citizens Bank of Fayette's most recent annualized quarterly return on equity was 4.52 percent, below the national average of 8.10 percent.
The bank reported net income of $1.7 million on total equity of $36.4 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 0.88 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.
Bankrate.com's Safe & Sound Ratings provide a star rating system to evaluate the current financial status of financial institutions. The information gathered about banks, credit unions and thrifts is updated as set forth in the Terms of Use of Safe & Sound Ratings and Reports. The Safe & Sound Ratings information is grouped by categories of banks, thrifts and credit unions.
Bankrate.com evaluates the financial condition of institutions and assigns a one- to five-star rating for each with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or more stars. The majority of institutions fall into the three- to four-star range. An institution with an "NR" rating may be too new to rate or may have limited the publicly available information in their regulatory filings. The "NR" is not an indication of financial strength or weakness. The Safe & Sound rating is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered the institution's financial condition.


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After creating enough buzz for its sub-brand TAMO, Tata Motors today unveiled the Racemo sports coupe at the 87th Geneva Motor Show. While Tata also displayed Nexon Geneva edition and Tigor subcompact sedan at the motoring event, all the limelight was grabbed by TAMO Racemo. Teased last month at the launch of TAMO sub-brand, Racemo is a two-seat, mid-engined sports coupe which will be launched in India next year. Before Tata brings its aggressively priced sports car to India, here are some quick facts about India's first connected car.
Internally known as Futuro, the two-seat, mid-engined sport coupe, TAMO Racemo is the first product from TAMO, co-developed by Microsoft and designed jointly at Tata's studios in Taly and Turin.
As the name suggests, Racemo is designed along the lines of a race-car with elements like diamond daylight opening etc derived from Tata's new IMPACT design philosophy.
Sporting futuristic design, Racemo combines progressive looks and new-age connectivity features powered by Microsoft. The face will be aggressive and sporty with bi-LED headlamps in front.
Power on the sports coupe will come from the turbocharged and intercooled 1.2-litre Revotron engine with maximum speed of 186bhp at 6,500rpm and 210Nm of torque at 2,500rpm. For transmitting power, it will use a six-speed automated manual gearbox (AMT) with push button and paddle shifters.
Sitting on the 205/50 R17 tubeless radials at front and meaty 235/45 R18 tubeless radial units at rear, the sports coupe will use all-round independent double wishbone suspension set up. And stopping power will be provided by disc brakes with anti-lock-braking system and electronic brakeforce distribution.
Referred as India's first connected car, TAMO Racemo will get new tech including an advanced navigation, remote monitoring, predictive maintenance and Microsoft's cloud-based tech developed jointly by Tata and Microsoft.In addition to these, the sports coupe will also get three screens around the instrument cluster.
Built with integrated crash safety protection, TAMO Racemo will also get dual front airbags for driver and front co-passenger. The three-point seat belt will be provided as standard on the sports-coupe with an optional four-point harness.


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To the Editor:
The Piqua Public Library board, its staff, and its volunteers would like to thank the voters of Piqua for their support of the renewal levy. Passing this renewal allows us to continue providing quality programming, making book and audio-visual material purchases, staffing the library during regular hours, and offering all of the free services the people of Piqua have come to expect.
The city of Piqua has clearly stated that the library is an important part of our community. Piqua's continued support means that the library will continue to grow as a center of learning for all ages; the home of recreational and educational programming; a place to hold community meetings; and a pleasant venue to enjoy a newspaper, book, or magazine.
Thank you again for your support! The library has a long history in Piqua. We all look forward to having an even longer future together.
— Kathy Alexander, Piqua Public Library Board President
— Joe Hinds, Chairman of the Levy Committee
— Jim Oda, Piqua Public Library Director


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Departure Time: 1:00 PM
Pick-up: Ambos Mundos Hotel (main entrance). Obispo and Mercaderes, Old Havana
Tour days: Tuesday to Friday
Tour Duration: 3 hours
Return: Around 4:00 PM
Children allowed: Yes
What we'll do
The life of the Nobel prize for literature Ernst Hemingway in Cuba is part of the charms of Havana. Three places marked their existence here, each for different reasons: Old Havana, San Francisco de Paula and Cojímar. From Old Havana he fell in love and found the nightlife he enjoyed so much. In San Francisco de Paula, he found his home, the Finca Vigía, and the peace he needed to write. In Cojímar, he found inspiration and a port from which to exploit his passion. We will visit these three places where we will talk because Hemingway found inspiration in these places
What I'll provide
- Bottle of water. I'll give this to you when we meet.
- Transportation throughout the tour.
- Daiquirí at the end at Floridita
Where we'll be
Meeting point in English: Ambos Mundos Hotel (main entrance). Obispo and Mercaderes, Old Havana.
We will start at Ambos Mundos Hotel, where we will visit Hemingway's room. Then we'll walk Old Havana's streets visiting places he frequented. We'll drive to San Francisco de Paula where his home, Finca Vigia, was.
We'll drive to Cojimar, a picturesque fishing town, to visit the place where he sailed in his boat "Pilar Yatch".
Finally, we will come back to the bars in the old city to rediscover the places where he found his inspiration.
Contact Phone: +535 314 8592
Wear comfortable clothes and shoes. Bring a hat, sunscreen, and sunglasses.
About your host, Benito
I am a professor of history at the University of Havana. I am also an avid reader who has long been fascinated by Ernest Hemingway. This would be a great opportunity to unite my professional expertise in Cuba history with my interest in Hemingway's life in Havana. look forward to sharing the history of his life in Havana while discussing the country's social and political issues now and during Hemingway´s life.


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Friday, July 18, 2014
(Subbed) Clips of Matsumoto commenting on news about Hamada's infidelity
80 comments:
Interesting that Matsumoto wants to get so much mileage out of it, when really it's a personal matter between Masatoshi and Natsumi.ReplyDelete
- AnonymousJuly 18, 2014 at 1:22 PM
Such things are not really personal. Also, referring them as Masatoshi and Natsumi gives one the idea that you really don't understand the culture.ReplyDeleteReplies
Do you? I mean, you refer to yourself as Anonymous. I doubt that's the name on your koseki.Delete
weeabo sighted. You just don't understand. Jap culture is way to different from yours, such things as a public apologize on behalf anothers is not uncommon.Delete
weeabo sighted. You just don't understand. Jap culture is way to different from yours, such things as a public apologize on behalf anothers is not uncommon.Delete
- AnonymousJuly 18, 2014 at 1:41 PM
It seems that Kitano Takeshi made fun about that here :ReplyDelete
(around 13:30)
- AnonymousJuly 18, 2014 at 1:43 PM
What'd Hamada do, is there a translated news post anywhere? I haven't heard about this..ReplyDeleteReplies
- AnonymousJuly 18, 2014 at 2:44 PM
He had an affair for 3 years from what I readDelete
Here's some info I found from another blog.Delete
a Problem: HP Printer not connecting to my laptop.ReplyDelete
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VIRUS REMOVALReplyDelete
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- AnonymousMarch 6, 2015 at 3:31 PM
it says the sub file is removed or deleted...ReplyDelete
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President Calls on Americans to Become Mentors to Young People in Their Community
This month marks the 10th anniversary of National Mentoring Month, an annual media campaign designed to recruit volunteer mentors for young people. Although research has shown that mentoring plays a significant role in reducing risky behaviors, there remains a gap between the number of mentors and the number of young people who need a mentor. This gap is even more significant in the African American community, as organizations struggle to recruit black male mentors for young black boys.
In observance of National Mentoring Month, we will highlight those working behind the scenes to narrow this gap, and those who work in the field of mentoring throughout the month.
For our first post of 2011, read how President Obama, General Colin Powell and government agencies are promoting this effort, and learn about a mentoring summit scheduled for January 25th in Washington, DC:
BOSTON, MA, December 2010 – President Barack Obama issued a proclamation this month designating January 2011 as National Mentoring Month. He stated, "Across our Nation, mentors steer our youth through challenging times and support their journey into adulthood. During National Mentoring Month, we honor these important individuals who unlock the potential and nurture the talent of our country, and we encourage more Americans to reach out and mentor young people in their community."
National Mentoring Month is spearheaded by the Harvard Mentoring Project of the Harvard School of Public Health, MENTOR, and the Corporation for National and Community Service. This year's campaign focuses on mentoring as a strategy for boosting academic achievement. The campaign's tagline is "Help Them Get There. Become a Mentor."
General Colin L. Powell, a spokesperson for the campaign, is featured in a public service announcement (PSA) prepared for broadcast on television and radio. In the PSA, General Powell states, "Our nation's future depends on what we do today to prepare our young people for productive and fulfilling lives. All of us need to get involved to help kids stay focused and stay in school. We must become a nation of graduates. One way for you to help is to volunteer as a mentor."
To celebrate the 10th anniversary of National Mentoring Month, MENTOR, the Corporation for National and Community Service, the Harvard School of Public Health, and the Office of Juvenile Justice and Delinquency Prevention will host a National Mentoring Summit on January 25th at the Library of Congress in Washington, D.C.
The Summit will bring together influential stakeholders from the public and private sectors to chart the field of mentoring's future and expand its circle of influence. With a theme of "Achieving Academic and Social Success: Supporting Youth through Mentoring," the Summit will support the Administration's efforts to improve the graduation rate of high-school students and keep youth out of trouble.
As a highlight of National Mentoring Month 2011, Thank Your Mentor Day will be celebrated on January 25th. On that day, many Americans will reach out to thank or honor those individuals who encouraged and guided them and had a lasting impact on their lives. Thank Your Mentor Day promotes three ways to honor your mentor: (1) contact your mentor directly to express your appreciation; (2) pass on what you received by becoming a mentor to a young person in your community; and (3) write a tribute to your mentor for posting on WhoMentoredYou.org.
In addition to its national focus, the campaign includes a heavy emphasis on local communities, and is intended to energize and empower community and statewide mentoring initiatives as well as encourage planning and coordination among mentoring groups.
In communities across the country, designated nonprofit organizations and governmental agencies are responsible for coordinating local campaign activities, including media outreach and volunteer recruitment. These local lead partners include state and local affiliates of MENTOR, the Corporation for National and Community Service, the Points of Light Institute and HandsOn Network, America's Promise Alliance, Big Brothers Big Sisters of America, Communities In Schools, and United Way of America.
Local activities range from telethons and media appearances to mentor/mentee game days, basketball tournaments, concerts, walk-a-thons, movie and museum days, and recognition events to honor outstanding mentors.
For additional information about National Mentoring Month, visit SERVE.gov/MENTOR.
Source: Press release/Photo: Wireimage
Monday, January 3, 2011
President Obama Proclaims January 2011 As National Mentoring Month
Posted by Tracey at Monday, January 03, 2011
Labels: mentoring
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4 nights and 3 days at Non Din Daeng with the YWAM, DTS Team Lonavala, India for ministry in the school (English Camp), at Compassion Ministry (a school run by the church at Non Din Daeng), having fellowship with the youths and getting to know them better and doing church ministry at the same time the team taught the students dance, songs, b-boying, shared bible stories, testimonies, played games with them and teaching them about Jesus Christ and praying with them.
The first School we did ministry was a big school and more than 100 students were present for the English Camp as we divided them into three groups according to their class. We had fun in learning in English through Conversation, Games, Songs, Actions, Drawings and in the afternoon session the team did ministry in the form of dance, songs, sharing testimonies and above all these God has spoken to 8 students who've submitted themselves to know more about Christ and they are not Christians and we are very happy for them. We prayed for them as they came up on stage to start a new life in Christ. 3 of them turn up for youth fellowship in the evening and even this morning at the church and we can see they are serious with God and we believe and pray and also request you to keep them in your prayers as they start to know more and more about Christ.
The ministry at compassion ministry was also a part of God's plan bringing more than 80 kids, we really had a good time though noisy as they are with their ages :-). Here too we had three groups divided and taught them English in the morning in games, drawings, conversation, actions and songs. The afternoon session was fully equipped with fun and action in games, b-boying, dances, sharing stories and praying for them.
All the things we did were all possible because of God's grace and plan for each and every person we meet out there. Not by our might, strength, talents or not by anything that we possess but it happened because it was the purpose of God and we were just following his orders and fulfilling it through the prayers and words of encouragement from you all. To God be the Glory!
(It will be too lengthy to write everything in details so i will let the pictures below speak out the details of what we did at Non Din Daeng)
Pictures are not in order but the caption will say it all..be Blessed!
Pictures are not in order but the caption will say it all..be Blessed!
|Our God is a Great Big God...song in Action at Compassion Ministry
|Praying for the kid's at the end of the day - they came up seeking for prayer (Compassion Ministry)
|Red Light /Green Light Game (Compassion Ministry)
|Game-no age no bar (Compassion Ministry)
|Musical Chair Game (Compassion Ministry)
|(Compassion Ministry)
|this says it all what we are doing (Compassion Ministry)
|English Class at School (Akru and yebes group)
|English Class at School (Rafael and Eli's group)
|English Class at School (ferdi and prakash group)
|Warm up for b-boying with rafael on stage at the school
|the team india ywam dts lonavala on stage at the school
|students following the beats of the music and actions in uniform
|listening to testimony sharing
|praying for the students at the end of the day
|these are the students who accepted Christ (8 of them) please continue to pray for them as the church at non din daeng do the follow up with them
|at the end of a blessed day learning english together, playing games, singing, dancing, listening to testimonies and praying together they deserve a shot :-) as in group pictures
|with the youth's at the church and the 2 girls in black shirts (who accepted Christ in school the other day)
|the team performing a drama at Son Sung Church
|Compassion Ministry
|getting ready for the day ...Compassion Ministry
|Compassion Ministry
|English Class - Compassion Ministry
|Compassion Ministry
|Praise and worship (Non din daeng Church)
|Praise and worship (Non din daeng Church)
|our translator A on keyboard during Praise and worship (Non din daeng Church)
|Sunday morning at Non Din Daeng Church
|A translating the Sunday Morning Message for Elizabeth
|why should the student's have all the fun (Teacher in orange tee enjoying the dance with the students)


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Ray Douglas Bradbury (August 22, 1920 – June 5, 2012) decided at the age of 12 that he was going to be a writer. He became one of the most honored American authors in the genres of fantasy, horror, science fiction, and mystery.
He won almost every major fantasy fiction award in existence, this extensive list includes a Grand Master Nebula Award in 1988. His short stories, novels, and poems are full of thought provoking "what if" ideas that often relate to the extremes of human behavior. He received high acclaim for his short stories titled, The Martian Chronicles, which were later published in novel form in 1950. Bradbury's most powerful and compelling novel is considered to be Fahrenheit 451, which parodies the consequences of a totalitarian government's dictates that the written word must be banned from existence.
Many of his stories deal with his interpretations of the social and technological realms of the modern world, and his style is to take his criticisms of these two things and add a touch of fantasy. When people asked about the purpose of his novels, Bradbury responded, "I don't try to describe the future. I try to prevent it." Although Bradbury's writings are full of adventure, intrigue, deception, the fantastic, and often the disturbingly horrific, his personal life was the exact opposite. He lived a quiet, calm, respectful life in Los Angeles with his wife, daughters, and beloved cats for most of his writing career.
Ray Douglas Bradbury was born in Waukegan, Illinois, the third son to Spaulding Bradbury and Esther Marie Moberg Bradbury. His father worked as a power and telephone lineman and his mother was an immigrant from Sweden. [1]
His childhood included two moves to Tucson, Arizona (1926-1927 and 1932-1933) as his father looked for work, but both times the family returned to Waukegan. It was the influence of this small town and Bradbury's extended family that gave Bradbury many stories for his future novels. Waukegan is the small Illinois town that is depicted as "Green Town" in his two semi-autobiographical novels, Dandelion Wine and Something Wicked This Way Comes. In 1934, the Bradburys made a final move to Los Angeles, California where Ray would spend much of his time roller skating through Hollywood in search of the many celebrities who lived there. Bradbury received his first pay as a writer when he wrote one of the jokes for George Burns' radio show.
Ray Bradbury was born into a family of men interested in the written word. Both his paternal grandfather and great-grandfather were newspaper publishers. Bradbury began writing stories on spare pieces of butcher paper when he was 11. By the age of 12, he knew he wanted to be a writer. Bradbury never deterred from this dream, and when asked what kept him so young and alert, he answered that he owed it all to doing something he loves every single day. At the age of 15, Bradbury read Jack Woodford's book on writing, Trial and Error and it had a major impact on him. He also attributed his lifelong daily writing habit to a day in 1932 when a carnival entertainer, "Mr. Electrico," touched him with an electrified sword, made his hair stand on end, and shouted, "Live forever!"[2]
Bradbury attended Los Angeles High School, where he was influenced greatly by two of his teachers. Snow Longley Housh taught Ray to love poetry and Jeannet Johnson taught him how to write a short story. He joined the Poetry Club, and outside of school, he joined the Los Angeles Science Fiction Club. In 1938, Bradbury graduated from High School. That was the end of any formal education. He did not see the need for college when he already knew what he wanted to do with his life. Instead, he began writing everyday and haunting the local library to read every evening.
While still in High School in 1936 his poem In Memory of Will Rogers marked his first appearance in print when it appeared in the Waukegan News-Sun. His first story to be published was "Hollerbochen's Dilemma," (1938). Bradbury also tried his hand at publishing his own magazine, Futuria Fantasia, for which he wrote most of the content, but he tired of all of the work and stopped the magazine after the fourth issue. To provide a living for himself he sold newspapers on various street corners, including the corner of South Norton Avenue and Olympic Boulevard. He did this until 1942.
As Ray Bradbury became serious about his writing, he claims that many people and characters inspired him. He loved the science fiction heroes Flash Gordon and Buck Rogers. His knowledge of these characters helped him create his own memorable characters and in 1941, his first paid story, "Pendulum," was published in Super Science Stories. In 1942, he gave up his job selling newspapers and devoted his time entirely to writing. Dark Carnival was his first book, a collection of short works he complied together to be published in 1947 by Arkham House.
The year 1947 also marked another milestone in his life when he married Marguerite "Maggie" McClure. It was a match made in heaven, Bradbury commented. Maggie was a clerk at one of Ray's favorite book stores and she came from a family who were the founders of McClure's Magazine. They fell in love and were married on September 27, with Ray Harryhausen, (special effects guru) serving as the best man. Together they had four daughters: Susan (1949), Ramona (1951), Bettina (1955), and Alexandra (1958). Ray Bradbury had a very happy marriage and remained devoted to his wife throughout their marriage. Marguerite passed away in 2003.
A well known irony in his life is that Bradbury, despite writing about spaceships and interplanetary travel and having lived in Los Angeles for most of his life, never drove a car. He attributed this to having seen a gruesome car accident when he was young. He also never flew in an airplane until the age of 62. Later, he flew on the Concorde to Paris, where he worked with Disney on the new Disneyland Park being created in France. Bradbury made regular appearances at science fiction conventions until 2009, when he retired from the circuit.
Bradbury was a strong supporter of public library systems, and helped to raise money to prevent the closure of several in California due to budgetary cuts. He exhibited skepticism with regard to modern technology by resisting the conversion of his work into e-books:
We have too many cellphones. We've got too many internets. We have got to get rid of those machines. We have too many machines now.[3]
When the publishing rights for Fahrenheit 451 came up for renewal in December 2011, Bradbury conceded that the work could be published in an electronic form — provided that the publisher, Simon & Schuster, allowed the e-book to be digitally downloaded by any library patron.[4]
Bradbury suffered a stroke in 1999 that left him partially dependent on a wheelchair for mobility.[5] Despite this he continued to write, writing an essay on his inspiration for writing for the New Yorker published days prior to his death.[6]
Ray Bradbury died in Los Angeles, California, on June 5, 2012, at the age of 91, after a "lengthy illness."[7]
Ray Bradbury made a name for himself with the publication of The Martian Chronicles in 1950. The book deals with man's attempt to colonize the planet Mars after a large nuclear war on planet earth. This was the first novel that truly illustrated the very distinctive "Bradbury" style. Before this time, Bradbury was inspired by the works of Henry Kuttner, Leigh Brackett, Robert Heinlein and Henry Hasse. He often borrowed from their styles and his works echoed many of their details. But with The Martian Chronicles, Bradbury, created a genre that could not be defined as strictly science fiction or fantasy. The lines between these two became hazy, as Bradbury created tales that were uniquely his own. He has said of his works:
"First of all, I don't write science fiction. I've only done one science fiction book and that's Fahrenheit 451, based on reality. Science fiction is a depiction of the real. Fantasy is a depiction of the unreal. So Martian Chronicles is not science fiction, it's fantasy. It couldn't happen, you see? That's the reason it's going to be around a long time—because it's a Greek myth, and myths have staying power." [8]
No matter how his books are classified, Bradbury has shown that he was a master storyteller. His work has won countless honors and awards. Among them are the O. Henry Memorial Award, the Benjamin Franklin Award (1954), the Aviation-Space Writer's Association Award for Best Space Article in an American Magazine (1967), the World Fantasy Award for Lifetime Achievement, and the Grand Master Award from the Science Fiction Writers of America. He also received the honor of being included in the Best American Short Stories collections for several years. Another honor, unexpected and rare, came when an Apollo astronaut named one of the craters in the moon, Dandelion Crater, after Bradbury's famous novel, Dandelion Wine.
His method was simple, he would write many short stories and then edit them together to form a book. The result was a fast moving, plot driven style. Bradbury has also written non-fiction essays and critiques of many contemporary art and culture pieces, which gained him recognition from a more scholarly audience. Bradbury's reputation grew quickly and he was asked to participate in many events of a futuristic nature. One of the requests he received was to serve as a consultant at the 1964 New York World's Fair for one of Walt Disney's exhibits called Progress City - the 160-foot scale model for what would later become Epcot.[9] [10] [11]
Ray Bradbury achieved great success in transferring his works from page to screen. Many of his stories and novels have been adapted for television and for movies. Some of the best examples of this success can be viewed on Alfred Hitchcock Presents, The Twilight Zone, and the teleplay for The Halloween Tree, which won Bradbury an Emmy. The Martian Chronicles were made into a miniseries, but Bradbury felt it never quite became what he had envisioned. In 1986, Bradbury collaborated with a cable network to develop a series all his own, Ray Bradbury Theater that was aired until 1992.
On November 17, 2004, Bradbury was the recipient of the National Medal of Arts, presented by President George W. Bush and Laura Bush. Bradbury has also received the World Fantasy Award life achievement, Stoker Award life achievement, SFWA Grand Master, SF Hall of Fame Living Inductee, and First Fandom Award.
In addition to his literary awards, Ray Bradbury was given a star on the Hollywood Walk of Fame in celebration of his contributions to the motion picture industry. In 1954 he adapted Melville's Moby Dick for the John Huston film that received an Academy Award nomination.
Many of Bradbury's stories and novels have been adapted to films, radio, television, theater and comic books. In 1953 the first movies inspired by Bradbury debuted. Jack Arnold directed It Came from Outer Space, which was inspired by Bradbury's screen treatment, "The Meteor" and Eugène Lourié directed The Beast From 20,000 Fathoms, which was based on Bradbury's "The Fog Horn." More than 35 features, shorts, and TV movies have been based on Bradbury's stories or screenplays over the last 50 years.
Al Feldstein worked to bring 27 of Bradbury's stories to the comic book world. From 1951-1954 the stories were published in EC Comics. Sixteen of these were taken and published as books.
In 2004 a filmmaker by the name of Michael Moore produced a documentary concerning the terrorist acts in America on September 11, 2001 and the shortcomings of the administration of George W. Bush in handling the situation. Moore titled his film Fahrenheit 9/11. When Bradbury learned of this film he was extremely angered and frustrated with Moore. He felt that Moore "stole" his title from Fahrenheit 451 and used his film to allude to Bradbury's famous novel to promote his film and his politics. Bradbury responded to Moore by calling him "a horrible human being," but was clear that his resentment was not politically motivated. Bradbury made it clear that he did not approve the title, nor was he a recipient of any of the money the movie makes. He only asked Moore to change the title, but Moore claims he was unable to do so because the film's marketing was finished months before and it was too late to make any changes.[12]
Bradbury was called "the writer most responsible for bringing modern science fiction into the literary mainstream."[13] His ability "to write lyrically and evocatively of lands an imagination away, worlds he anchored in the here and now with a sense of visual clarity and small-town familiarity" moved the genre into the realm of literature.[14]
Bradbury's grandson, Danny Karapetian, stated that Bradbury's works had "influenced so many artists, writers, teachers, scientists, and it's always really touching and comforting to hear their stories."[15] Bradbury envisioned many modern day technologies much earlier in his writing, such as the idea of banking ATMs, earbuds and Bluetooth headsets and large, flat-screen televisions from Fahrenheit 451, and the concepts of artificial intelligence within I Sing the Body Electric (Bradbury).[16]
Author Stephen King released a statement on his website saying, "Ray Bradbury wrote three great novels and three hundred great stories. One of the latter was called 'A Sound of Thunder.' The sound I hear today is the thunder of a giant's footsteps fading away. But the novels and stories remain, in all their resonance and strange beauty."[17] Bradbury also influenced the film world greatly. Filmmaker Steven Spielberg stated that Bradbury was "[his] muse for the better part of [his] sci-fi career.... On the world of science fiction and fantasy and imagination he is immortal."[18]
In addition to these collections, many of the stories have been published in multi-author anthologies. Almost 50 additional Bradbury stories have never been collected anywhere after their initial publication in periodicals.
This list does not include adaptations by others of Bradbury's published stories.
This list does not include adaptations by others of Bradbury's published stories.
All links retrieved July 27, 2019.
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One of the theoretical solutions to an asteroid hurtling towards Earth is to nuke it so it breaks up into many small, harmless pieces. But that won't work if it can just reform in 2 hours.
Yes, if the nuke used is too small, the asteroid will break up into pieces that will fly apart so slowly that they'll just reform together due to their mutual gravity. How long will that take? Oh, 2 to 18 hours.
So yeah, it's good we realized this before trying to save ourselves with a nuke. We'd celebrate for a couple of hours before being really, really pissed. Yikes. [New Scientist]


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Professional Tax in Maharashtra
Like other states in India, the Government of Maharashtra also levies professional charges on the income earn from various sources. Professionals working in government or non-government sectors, doctors, lawyers, chartered accountant- they all are responsible for paying professional tax in Maharashtra and get a certificate of Certificate of Enrolment from the concerned authority. Professional Tax in Maharashtra is handled by the Maharashtra State Tax on Professions, Trades, Calling and Employment Act, 1975 which came into effect on 1st April 1975. As per this act, professional tax is applicable for both individuals and companies.
Who pays professional tax in Maharashtra?
Professional tax are applicable for both salaried and self-employed professionals who earn income working in government and private organizations and any other modes of employment. Professional tax is subject to a minimum limit of income and charged as per applicable slab rates of a state. Senior citizens above the age of 65 and handicapped persons with more than 40 % disability and parent of a physically disabled and mentally retarded children are exempted from paying professional tax in Maharashtra.
How to pay Professional Tax in Maharashtra:
In case of salaried professionals, professional tax is deducted by employers. They deduct it and deposit the total amount with the municipal corporation. Non-salaried individuals can pay it directly to the government via local officials appointed to collect tax. Also, they can pay it online.
Professional Tax Slab Rates in Maharashtra 2014- 2015:
The states in India revise their professional tax rates for every financial year. Likewise, the Government of Maharashtra of also revised its professional tax slab rates for the financial year 2014-15. Mentioned below are the professional tax slab rates applicable for salaried and self-employed professionals in Maharashtra.
|Monthly Gross Salary
|Amount Payable as Professional Tax
|Up to Rs.7500
|Rs. 1000 to Rs.10000
|Rs. 175 per month
|Above Rs. 10000
|Rs. 2,500 p.a. The amount is can be paid in the following manner:
Maharashtra Professional Tax Slab Rate 2015-16:
The Government of Maharashtra of also revised its professional tax slab rates for the financial year 2015-16. It offers special privileges for women professional tax payers. A woman whose monthly income is Rs.1000 of less than Rs.1000, she is exempted from paying professional tax in Maharashtra. The professional tax deducted by the Maharashtra Government is subject to the minimum income level of an individual. An individual earning less than 7,500 or up to 7,500 does not have to pay any professional tax in Maharashtra.
Listed below are revised slab rates of professional tax in Maharashtra:
|Monthly Gross Salary
|Amount Payable as Professional Tax
|Up to Rs. 7,500
|Rs 7,501-Rs 10,000
|Rs. 175
|Above Rs. 10,000
|2,500 p.a. The payment is accepted in the following method:
Professional Tax in Maharashtra Penalty:
The Maharashtra Government charges penalty under the following circumstances:
- Delay in enrolling for professional tax
- Providing inaccurate information while enrolling for professional tax.
- Failure to pay professional tax within due date.
Professional Tax in India:
Professional Tax is a kind of tax charged by various State Governments. The tax is charged on the income earned by individuals who are engaged in various professions. Professional tax came into existence in 1949 when the government of India entrusted the responsibility of collecting professional tax to the states as per the Article 276, Clause 2 of the Indian Constitution. Professional tax is almost similar with Income Tax. The only difference is professional tax is charged by the State Government while Income Tax is charged by the Central Government.
Initially, at the time of introduction, Rs. 250 was determined as professional tax. Later on the amount was increased to Rs. 2500 in 1998. Over the past few years, the state government has been trying to raise the amount of professional tax form Rs. 2500 to Rs.7000. However, so far the government of India has not raised the amount and maximum amount of it remains the same.
Steps to e-file ITR online
Frequently Asked Questions
- Who should pay profession tax?
- Do those who have to pay profession tax fall in certain categories?
- What do you mean by registration certificate and enrolment certificate?
- Where do I make an application for an enrolment certificate and registration certificate?
- Are there any penalties for submitting incorrect information?
All persons who engage partly or actively in any kind of trade, employment, profession or callings, or come under any class referred to in Column 2 of Schedule I of the Professional Tax Act should pay profession tax.
Yes, there are certain categories under which those who are liable to pay profession tax fall. These categories include individuals, firms, corporations, Hindu Undivided Families, companies, societies, associations and clubs are liable to pay profession tax.
Employers who are liable to subtract and pay profession tax on their employees' behalf, apart from government officers, are given registration certificates. All persons who are mandated to pay this tax, apart from those whose profession tax is paid by their employers, are given enrolment certificates.
The relevant registration authority must be contacted for enrolment certificate or registration certificate, at Vikrikar Bhavan, Mazgaon, in case you reside in Mumbai, or at the closest district Sales Tax office in case you reside outside Mumbai.
Under Section 5(6) of the Profession Tax Act, the penalty for providing wrong information when applying for an enrolment certificate or a registration certificate is 3x the actual tax payable.
Read more on Tax Related Topics
- Professional Tax
- Andhra Pradesh Professional Tax
- Gujarat Professional Tax
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- Madhya Pradesh Professional Tax
- Maharashtra Professional Tax
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- Form 26AS
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- Section 234A, 234B And 234C
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- Maternity Benefits from Union Budget


text:
When you get old, some people think they can't stay active as before or they assume that they loss the flexibility of their body. Unfortunately most people think loss of flexibility of body is inevitable with their aging. But it is not true!
Do you know, there are people who start chair yoga in their 50s, 60s or even 70s.By practicing chair yoga or senior yoga techniques they have found improvement in the flexibility of their body and enjoy active lifestyle.
Chair Yoga: Lifespan Yoga for Health and Wellness is a book which I came across recently which is written by Beth Daugherty .
In her book Chair Yoga: Lifespan Yoga for Health and Wellness, Beth Daugherty, the author explains how to practice yoga by sitting on a chair. She also explains the ways of practicing yoga by using a chair as a prop. In this book, the author attempts to explain how it is exciting to practice chair yoga by focusing on to the movements of the body. She also shares chair yoga practicing techniques including yoga postures and breathing techniques. The advantage of chair yoga is that seniors can practice yoga techniques without the fear of falling. This is a really good book to learn the techniques of yoga for seniors.
By sharing her inspirational stories with her students, the author has written this book in a way to make anyone attract to practice chair yoga.
Read more details, check preview and buy Chair Yoga: Lifespan Yoga for Health and Wellness on Amazon.


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We're pleased as punch to announce our four winners of the hilarious book The World Is Your Litter Box by Quasi and a little help from his human, Steve Fisher. Congratulations to Mary Prevost, Kathy Keisha, Hazel Marie, Skeeter & Izzy. Please look for an email from Layla. I'll need your shipping address. We'll be back with another review/giveaway next week.
Meanwhile, we're a little overwhelmed with our reading stack. This is our current pile of two non-cat books and eight cat books I'm judging for a contest. Thankfully I've already read and reviewed two of them last year. I'd love to tell you what they are but it's a secret.
One last thing dear cat lover friends… Pettie Award for Best Cat Blog Voting link


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Finest quality lever door handles on backplates, designed to create a contemporary finish, both inside and out.
Manufactured from 316 Marine Grade Stainless Steel, the product will thrive even in the toughest, high corrosive, coastal locations.
If you need any further product information email us on firstname.lastname@example.com, tel: 01726 871724, or call the office on tel: 01726 871724.


text:
Tuesday, November 07, 2006
Just damn rude if you ask me.
11 comments:
I've been to that same post office I'm sure
Hope it's less busy there tomorrow for you ;)
- 7/11/06 20:23
You Brits are lucky. All the USPS gives us is the usual boring rate poster and pictures of the latest desperate crackheads. Is there a cover charge for the entertainment?
- 7/11/06 23:36
- Unknown said...
No jta, tis all free. Very generous I'd say and couldn't think of anywhere that I would rather be of a lunch time. And we don't need pics of crackheads. The local residents are enough to put you off hard drugs for life.
And yes Skint, judging by your obvious sixth sense it looks like I will be making a return trip tomorrow. How many more?
- 8/11/06 00:01
- Suzan Abrams, email: email@example.com said...
"Suffice to say that the badly dyed blonde was having a go at the equally tastelessly coiffed brunette about a stolen boyfriend (he was probably better off without the pair of them).
Your humour shadows even your annoyance, Minx.
In Gloucester Road, London, you may also have to contend (in addition to all this) with a wonderful Spanish cleaner who may choose to vacuum between your toes.
- 8/11/06 01:07
You mean you actually have chavs in Cornwall too?
- 8/11/06 02:31
- Unknown said...
They get everywhere Sharon although I suspect that Cornwall has still not moved out of the eigties in some places. With the return of footless tights and the continuing popularity for white heels I think everyone around here will be feeling bang up to date!
- 8/11/06 07:22
- Saaleha said...
see, it's those nails that you had done. Enough to scare any postal worker witless!
- 8/11/06 07:46
- Marie said...
And I thought the Post Offices in London were bad!
- 8/11/06 11:01
- Caroline said...
This could be a PO on the Wirral.
It was the smell of the 'festering human' that reminded me of my last trip there.
And it seemed to get worse during my half hour wait.
Less chat - more pension giving!!!!!!!!!!!
- 8/11/06 15:55
- S. Kearney said...
I wont even begin to tell you about the post offices in France! Although, it has to be said that I am now lucky to have a nice one downstairs ... because I am a regular, and speak French with an accent, I am made very welcome. It's not like this at all French post offices mind.
- 8/11/06 22:27
- Unknown said...
Is this a worldwide phenomenon then? Do you think that there is some sort of twat magnet above each and every postal establishment around the world? Are we caught in some hidden conspiracy to draw in the more unsavoury of our fellow humans and then keep us captive with them, or am I just being a tad paranoid?
- 8/11/06 23:57


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- "Don't vex me, mortal."
- —Benny[src]
Benny was a Gotham City street guitarist, who was later affected by the drug known as Viper.
Benny was a junkie, given a vial of Viper by Stan Potolsky while playing his guitar to earn money for drugs, as he emphasized with a sign placed within his guitar case. After inhaling the contents of the vial, Benny proceeded to rob a nearby mini-market with his new-found strength, attacking the cashier and ripping the ATM from its place with his bare hands. After being discovered by Detectives Gordon and Bullock, he desperately pleaded for help shortly before his bones began to crumble, and he ultimately met his demise. [1]
Season 1
- "Viper"
- Benny's name may be an homage to Bane, the most famous character to use Venom (of which Viper is the early version in this series) in the DC Comics, as it coincides with popular fan nickname of Bane.
- ↑ Cutter, Rebecca Perry (writer) & Hunter, Tim (director) (October 20, 2014). "Viper". Gotham. Season 1. Episode 5. FOX.
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