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The MLC On Track program rewards customers for being proactive with their health by incorporating technology to track their daily number of steps. New MLC Insurance customers will receive a 5% upfront policy discount upon joining but will need to stay active and meet their annual step target to maintain their discount.
This fine-tuned version of On Track collects customers wellness data through their self-bought fitness tracker and a compatible smart device.
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What is MLC On Track?
MLC On Track is a wellness program offered by MLC Limited, the insurer, to reward you for leading a healthier, more active life. This program collects your fitness and wellness information via the use of a personal fitness device and then uses this data to calculate your number of steps and whether you've achieved your target.
Simply signing up to OnTrack MLC when you apply for an eligible MLC Life Insurance policy entitles you to a 5% discount off your life insurance premiums for the first 12 months of your policy being enforced. After that, you have to achieve a weekly step target to ensure this discount will continue for the following year.
What you'll need to participate:
Once your policy has been issued you'll receive an authorisation email from MLC Life Insurance requesting permission to collect your step data. Accept the terms and conditions, create your account and start walking.
Your daily step progress will be uploaded onto the ON Track dashboard within 24 hours and you'll receive regular reminders and updates on how you're tracking.
Achieving your health and fitness targets
You need to reach 37, 500 target steps per week for at least 30 out of the 40 weeks. The 40 weeks starts on the day your policy starts.
OnTrack MLC version 1
The first version of On Track ceased on the 31st of May 2017. It offered new customers a premium discount of up to 10% but was stopped due to the complex scoring system and because it only allowed for one specific fitness device, the Garmin Vivosmart HR fitness tracker.
This version of On Track endeavoured to gather data on a customer's step count, average activity level, time asleep and resting heart rate. The data collected was then used to calculate an overall score using and a points system. A score of 900 points had to be achieved within the first 12 months of your policy commencing in order to receive a discount.
The first time you reached 900 points within 160days, you'd be eligible for a 5% premium discount. When you reached your targeted score twice, you became eligible for a further 5% premium discount, giving you a total discount of 10%.
Due to the complex nature of the program, it was ended and refreshed into the enhanced version available from the 9th of October 2017.
Frequently asked questions
Currently, OnTrack is only available to new policyholders. However, if you purchased an MLC Life Insurance policy between 1 June 2017 and 9 October 2017, you will receive an invitation to join the relaunched version of the program. Policyholders with the old MLC wellness program will also receive this invitation.
If you purchased an MLC policy before On Track started then you'll have to take out a new policy to be eligible for the 5% discount. If you're unsure whether you'll receive an invite to join the new program then contact us on 1300 135 205 and we'll assist with your query.
Once you purchase a new MLC Life Insurance policy you'll receive a 5% upfront discount. However, to maintain this discount year-on-year you need to meet your weekly step target of 37, 500 steps.
You can track your progress via the MLC ON Track log on your customer dashboard. You can set your dashboard to report to reflect your daily, weekly or monthly performance.
The fitness trackers that can be used to capture your steps include Garmin and Fitbit wearable fitness trackers and Apple Watches.
Who gets to participate in the program if the policyholder and life insured are two different people?
Only the life insured on the policy is entitled to participate in the program and must comply with the relevant terms and conditions.
When you lodge a claim on one of your MLC policies, your participation in the MLC wellness program will be placed on hold so that your progress won't be negatively affected. The data suspension will re-start as soon as you're able to continue participating.
If you do lodge a claim or need your program to be placed on hold due to a significant personal event, you need to inform MLC as soon as possible.
Ask an Expert?
12 Comments
Mark Rance |
I already have a fitness tracking device and I don't want to wear two devices, can I use my personal device to this program?
Celia hayes |
You have sent me the Vivosmart and I have paired the device. However there is no link to ontrack.mlc.com.au/login when entered in google says there is no site. When you search on the mlc website it cannot be found.
How can all this work be done to advertise this wellness program and the site is impossible to find?
dathome |
I recently took out life insurance policies for my wife and I. We have not received an email to join the programme. Who can I contact about this? How can I confirm our eligibility?
Uvric Leneer |
Can my partner wear the device instead of the policy holder?
Veronica |
I signed up in early May 2017. I was not advised of any changes in the terms & conditions of the program and only discovered the new scoring/discount system by accident.
How will my participation be affected? As I have already earned my 5% off my premium for the life of the policy, will I still be on the run for the additional 5%?
The Ontrack call centre was unable to answer this and asked me to email them (!).
adam |
Hi. I have been a gym fitness fanatic for 28 yrs and don't understand why I have to waste time and money buying silly fitness step counters to proof my fitness. Surely a gym membership tracking my number visits would be more than sufficient, as the step counters could be given to a spouse to get the steps up!
Seems unfair that fit people are charged the same premiums as unfit overweight people who are more prone to trauma. Or is this about getting kickbacks for MLC promoting Garmin?


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Note: The following listing of businesses and websites is informational-only in nature and the presence of a particular business in this listing does not imply an endorsement or any other type of referral by Laura L. Matin, DDS, PC.
Related Category: Dental
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Updated on: 12/10/2019
Have you ever noticed someone else's gorgeous smile and wondered how you could improve yours too?
Dr. Laura Matin and her staff are here to help you achieve your ideal smile. With today's advances in porcelain veneers, tooth whitening and implant dentistry, we can make a real and dramatic difference in the way you look and the way you feel about your smile. We also offer general dentistry to your whole family. Call us today.
Request an appointment or ask a question
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Huge savings on hotels, motels, and vacation packages. Rental cars too! If you are planning international travel, get with us before your trip. Last minute cheap flights deals too. Rates for Delta Atlas JetBlue United Airlines US Airways American Eagle Alaska Frontier Skywest and SouthWest.
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It is a good idea to purchase travel insurance too. You never know when that big bird is going to fall from the sky. Since I know I am not driving the plane, I have no control. This is why I purchase travel insurance when I fly. It is really cheap when you consider the payoff your family would get.
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With summer coming into full swing, it's time for students to find new activities to fill up their time.
Here at COMET, where the success of children is the center of our mission, the summer is no exception. Lots of programs work to prevent summer learning loss and keep students growing year round and use our software to support their work. And summer can be such a special time - instead of the full demands of the school year schedule, children and youth can strengthen a particular asset or passion, or use the time to develop a new set of skills.
SummerLEAP is one example, with a focus on closing the achievement gap for low-income students, utilizing not just academics but also alternatives for enriching a child's development, such as physical activity. Along with academic summer programs, there are programs that offer a different approach to keeping a child on a healthy path.
Summer camps that focus on physical activity, for example programs at your local YMCA, provide children a place all about fun and recreation. These programs offer a different way of learning life skills such as teamwork and problem-solving. Regular physical activity reduces the feelings of anxiety and depression which in return promotes psychological well-being. Along with these psychological benefits, come the physical benefits of reducing the risk of obesity and chronic diseases, which can hinder greatly a child's potential for success both in the classroom and later in life.
COMET works with communities to improve opportunities for kids and the overall health of the community. Summer programs and camps, both day and overnight, provide the opportunity to feel a sense of belonging to a strong community produced by the environment of the camp staff and campers, while gaining physical, social and psychological benefits from regular activity.
Here's to fun in the sun and hoping you all enjoy a happy, healthy summer!
For more information on the SummerLEAP program, request our case study with them.
To feel one person's thoughts on how summer camp was foundational to her development, check out this blog post: The Magic of Summer Camp


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Bluegrass 911 Central Communication Center was formed by the Garrard & Lincoln County Fiscal Courts to provide better services to the residents of Garrard & Lincoln County. We were one of the first 911 Communication Centers in the state of Kentucky to merge like this.
We officially merged October 1, 2007 while operating in two separate facilities, on May 1st 2008 we merged both operations into a single facility located at 308 W Maple Ave Suite 5 Lancaster Ky.
April 19th 2016 we relocated to our new Central Communication Center located at 278 Precision Court, Lancaster Ky 40444
Services we provide for Garrard & Lincoln Counties:
Addressing & Mapping
911 Emergency Dispatch For:
15 Fire/Rescue Departments
7 Law Enforcement Agencies
4 EMS Agencies
2 Coroner Agencies
2 Emergency Management Agencies
Each Telecommunicator must complete a 5 week in house training program with our Certified Training Officers then they must attend a 5 week training program at the Department of Criminal Justice Training (DOCJT) in Richmond , Ky where they are certified in Emergency Medical Dispatch (EMD) and LINK/NCIC.
We pride ourselves in staying abreast of new technology and forward thinking to provide the best possible service to our first responders and the citizens of our communities.
We have had members of our staff win multiple awards such as Director of The Year, Telecommunicator of The Year, Supervisor of The Year, and Director Russ Clark was inducted into the Hall of Fame at the Kentucky Emergency Services conference.


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Established in the year 2009, at Faridabad (Haryana, India), we, Global Ayu Care,are the renowned exporter and supplier of a comprehensive assortment of Ayurvedic Products and Health Supplements. These products are proce ...
Global Ayu Care
No. 42, DLF Sector- 11, Near Milan Plaza, Faridaba
Faridabad, HA 121006
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In the spring, many people get the itch to dig in the dirt. Nursery's and plant stores are filled with people looking for something to add a little color to their life. Some are starting veggie gardens for the first time or maybe for the 20th time.
In this blog for April, I will be sharing some plants that you can plant for our pollinators and our bees. So while looking for that perfect plant for your garden, REMEMBER OUR POLLINATORS!!
So these are just a few of the perennials that you can plant in your garden that will attract bees and pollinators to your space. These are also plants that bloom when other spring plants have stopped blooming. It is a good idea to add plants to your garden that bloom at different times through the spring and summer. Many perennials will re-bloom when you cut the dead flowers off the plant (this is called dead heading).
So get out there and dig in the dirt. It is good for the Soul and pollinators will thank you!!


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Afterglow Cosmetics Mineral Makeup Puts Your Best Face Forward
Photo credit: Afterglow Cosmetics
When I first partook of liquid foundation, I swore mighty oaths that I would never go back to powder. Who needed the dry chalkiness, the sneezing fits, the dust that settled into creases and turned fine lines into gaping chasms of oh-my-God-I'm-not-20-anymore? Woe! I cried. Woe upon powder foundation and DOUBLE WOE upon loose minerals that billowed into mini-dust clouds and made me feel like I snorted an entire tin of talcum powder.
Plus, my skin is of the oilier persuasion and powders tend to smudge once my overactive sebaceous glands go into hyperdrive, so when Afterglow Cosmetics' starter kit landed on my doorstep, I was skeptical. And sure enough, the heavens didn't open, nor did choirs of angels burst into song. But they came pretty close.
Available in three shades (light, medium, deep medium), the $68 starter kit consists of organic mineral foundation in two different shades (for mixing and blending), an organic mineral blush, and an organic setting powder, as well as soft-as-silk Baby Kabuki and concealer brushes made from Taklon—all in a foxy silver makeup bag.
Coverage was amazing—not liquid-foundation amazing, but they did a better job of camouflaging blemishes and minor imperfections than other powders I've tried, without caking, accentuating flaws (and wrinkles), or looking over-the-top made-up. And here's where mineral granules trump fluid; instead of being flat and matte, my face took on a soft, luminous glow. Meanwhile, the blush, in the totally delicious shade "Smitten," imparted a deep coral flush, although the ultraconcentrated pigment was so intense, I had to brush on more foundation to diffuse the tone. A little of this definitely goes the proverbial long way. Be gentle.
As the day wore on, the makeup held up surprisingly well, requiring only a couple of touch-ups with the oil-absorbing translucent setting powder to control shine. (Remember those out-of-control oil glands of mine?)
So it appears my outright dismissal of powders was premature. Allow me to recant: Liquid foundation and cream blushes might be my mainstays for looking my best, but it won't hurt to indulge in a little mineral magic on the side. And no one will have to be the wiser.
More eco-friendly beauty products
Saaf Organic Enriching Hair Oil Offers Salvation for Dry, Damaged Tresses
California Baby Moisturizing Handwash Kills Germs Naturally
Josie Maran Cosmetics: Green or Greenwash?
Desert Essence Organics Fragrance-Free Bath and Body Products Nothing to Sniff At
RMS Beauty Offers Natural Radiance That Goes Beyond Skin Deep
Kiehl's Superbly Restorative Argan Body Lotion Gets Limited-Edition Makeover, Supports Waterkeeper Alliance
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Jurlique Is a Science of Natural Beauty
Wholearth by Danny Seo Body Wash and Body Lotion Do a Body Good, But Underwhelm
Teens Turning Green: Skincare for Teens and Tweens
Kahina Giving Beauty Boasts Moroccan Beauty Secret
Tarte Be Good To Your Mother (Earth) Natural Lip Sheers and Reusable Tote Set
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Trillium Organics Body Polish is Still a Favorite
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Sector 5 Collaborating with its Chinese Partners to Create New Jobs and Industry in America
Jan 10, 2017
OTC Disclosure News Service
Sector 5, Inc. (OTCQB: SFIV) announces that the 2017 Consumer
Electronics Show (CES) created the opportunity for Sector 5 to join with
its American and Chinese partners to develop a strategy to create
skilled jobs in America as they bring their wireless charging solution
to market.
Roger McKeague, CEO, stated, "Sector 5 has some incredible opportunities
to bring new technology into schools, businesses and to end users. Our
wireless charging solution is being built in collaboration with industry
leaders in China and America. It was one of our executives who was
building prototypes in his garage who first brought up the benefits of
undertaking a lot of the design and build work in America. This
technology could potentially create hundreds of jobs! The solution is
all about saving money and time! "
Sector 5, Inc. (OTCQB: SFIV), is a Proud American Corporation, that
sells, manufactures and develops new innovative consumer electronics
under Sector 5® and other brands. The Company markets its partnership
with Google approved Chromebooks to educational organizations, other B2B
and B2C sales channels, with retail sales on Amazon. It is in
development of several new products to serve the educational, business
and retail markets.
Follow the Company on www.twitter.com/sectorfiveinc
and www.facebook.com/sect5
and find further information at www.sector-five.com.
Forward-Looking Statements
Certain statements included in this website are forward-looking.
These forward-looking statements are based on certain assumptions and
reflect our current expectations. As a result, forward-looking
statements are subject to a number of risks and uncertainties that could
cause actual results or events to differ materially from current
expectations. Some of the factors that could cause actual results to
differ materially from current expectations are discussed in the "Risk
Factors" section of our Annual Report-Regulatory as well as in materials
that we from time to time file with, or furnish to, the U.S. Securities
and Exchange Commission. In light of the significant uncertainties
inherent in the forward-looking statements included herein particularly
in view of the current early stage of our operations and lack of
sufficient financing, there is no assurance that any forward-looking
statements will materialize. You are cautioned not to place undue
reliance on forward-looking statements, which reflect expectations only
as of the date of this website. Except as may be required by applicable
law, we disclaim any intention or obligation to update or revise any
forward-looking statements.
View source version on businesswire.com: http://www.businesswire.com/news/home/20170110006112/en/
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The above news release has been provided by the above company via the OTC Disclosure and News Service. Issuers of news releases and not OTC Markets Group Inc. are solely responsible for the accuracy of such news releases.


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Anne-Marie of the wonderfully inspirational wedding blog Perfect Bound has been one of Minted's earliest supporters. And so we were just thrilled when we heard of the birth of her first son: Harrison James. We were equally thrilled when she decided to go with a Minted birth announcement.
Like many parents, it was hard for Anne-Marie to decide on the right picture and design combination. But in the end she went with Vintage by Oscar & Emma (above). Don't you agree that this picture is just unbelievable? The light on his hand, the way his toes are stretched back, the profile of his spikey hair, the texture of the muslin, and the cuddliness of the blanket. He is channeling Moses! I LOVE that it's a real basket AND that the text fits within it.
Belle Memoire (below) by Helena Seo Design was her equally lovely runner-up.
I love the close-up of his little face! The blanket is handmade from Anne-Marie's childhood–what a wonderful idea to include an heirloom in your birth announcement photo!
Joe and Britney of Turn Loose the Art are the geniuses behind the photography. Thanks so much for sharing Anne-Marie and enjoy these very special months as a new mother!
By the way, now is a great time to order your birth announcements: just for voting for us in the Cribsies, you can get free shipping on all baby and kids items when you vote for us and enter the code VOTEMINTED.
Find more of Natasha on her blog.6 COMMENTS


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Since the start of Qatar-Gulf diplomatic crisis, no significant progress has been observed regarding resolution of this issue. Almost four weeks has passed now since this crisis has emerged. Both Saudi led Bloc and Qatari authorities remained unshaken in their stands. Although both parties have publically expressed that they want this issue get resolved, for settling this rift none is willing for any sort of compromise. It may be a failure on part of mediating forces like Kuwait that they could not devise a balanced solution acceptable for both these old friends. Delay in finding any acceptable solution is not only increasing distances between Saudi led Block and Qatar but also enhancing current complexities of this issue. It is not uncommon that a few countries may take benefits of crisis. Here Iran and Turkey have started grabbing space in Qatar by taking advantage of this current stalemate. Prolonged rift is sowing seeds of lasting enmity among old friends.
In my personal analysis of this issue, a few reasons has created a stalemate regarding resolving this issue. If these fault lines are removed then Qatar and its Gulf adversaries can be brought together on same page and they can be prevented from becoming foes from friends.
First of all a term has been frequently seen from both sides 'Non-Negotiable'. For example, Saudi foreign minister Adel al-Jubeir reiterates that list of 13-point demands to Qatar is non-negotiable. Qataris also say that their policies are non-negotiable. Qatar seems to be more worried because of this stand-off but it is focusing more on nullifying the allegations by Saudi led Bloc rather than paving a middle pathway to bury this emerging hatchet. It should be realized that issues can be resolved diplomatically only via negotiations. When things become non-negotiable, nothing can be done diplomatically.
Qatar is relying heavily on third parties amid diplomatic rift. Qatar's foreign minister Mohammed bin Abdulrahman Al Thani has asked members of the United Nations Security Council to urge a Saudi-led bloc of states to lift their blockade. Qatar's transport minister has met twice this past week with the UN's International Civil Aviation Organization (ICAO) at its headquarters in Montreal, Canada, asking it to intervene in the crisis. All these efforts are good in Qatar's National Interest because Saudis are also trying to isolate Qatar globally in an effort to build pressure on Qatar but first of all Qataris should engage in direct negotiations with their counterparts either openly or via back-door diplomacy, and if back-door diplomacy is not yielding positive results then they can hire a new team of negotiators or advisers from anywhere in the world. Similarly, abrupt establishment of Turkish military base in Qatar has also complicated the situation.
Kuwait's mediation has not yet been proved fruitful. For mediation, other trust-worthy mutual friends should also be invited and trusted. Pakistan, Morocco and Turkey may prove beneficial for settling grievances of both countries.
Saudis must refrain from hostile statements against Qatar, otherwise they are going to lose a brotherly friend, may be, forever. Qataris must also learn a few things with respect to International Politics. In International Politics, there are no permanent friends, no permanent enemies. Qatar's friends today may become enemies in future because they do not have much things common with Qatar. Its historical fact that countries support and protect organizations only if they do not stand against established government of that country to uproot it. Muslim Brotherhood, Al-Qaida, ISIL and Hezbollah are currently trying to devastate the established Governments of this region. So foreign policy of a country changes with changing scenarios. Krauthammer, a famous American Foreign Policy analyst once stated that "For a national leader, thinking with one's heart is a serious offense. Foreign Policy is not a social work."
In any International Issue, demands put forwarded initially are not full and final. Saudi demands are too much aggressive. Saudis must realize that Qatar is not Germany of post world war-II or post world war-I, where Germany was forced to accept humiliating 'Treaty of Versailles (1919)' after its defeat in world war-I. Also, Saudi led Bloc is not equivalent in might to victorious Great Powers of World Wars. Qatar should also not be so rigid in its attitude. Qataris must not try to follow the example of Berlin Airlift. After world war-II, capital of Germany, Berlin, was divided into two portions. The United States, United Kingdom, and France controlled western portions of the city, while Soviet troops controlled the eastern sector. In 1948-49, for almost more than ten months, Soviet Union blocked the Western Allies' railway, road, and canal access to the sectors of Berlin under western control. The United States and United Kingdom responded by airlifting food and fuel to Berlin from Allied airbases in western Germany. Qatar alone will be in terrible situation if it has to rely on airlift for food, medicines and other necessities for long. Saudi demands may be modified or cut short only via negotiations and hence a respectable solution for both sides can be reached.
Saudi's demands are such that if Saudis do not show flexibility then any International Relations expert can clearly predict that these demands will not be accepted in letter and spirit by Qatar. These demands seem just to fulfill a formality to cut off ties with Qatar permanently. Elements of respect and honour are missing in these demands, and respect and honour can be brought in only by flexibility from both sides via effective diplomacy.
Throughout world Intergovernmental International and Regional Organizations are established to solve such issues, but here role of Organization of Islamic Cooperation, Arab League is questionable. These organizations are meant for only organizing scheduled conferences or they have something better to resolve such conflicts.
Moreover it can be easily judged that both Saudis and Qataris are taking abrupt emotional decisions rather than cool and wise decisions. These decisions are adding fuel to fire. If wise decisions are not taken then a mini cold war or proxy war like situation similar to Syrian War may engulf Gulf region in late future because Qatar is tilting towards Iran, Russia and Turkey. And Saudi led Bloc is backed by United States.
All GCC countries including Qatar have developed such great policies internally for their people that most of the people stand with their Governments whatever their government decides. Their people trust them but regarding Foreign Policy, International Issues and especially with changing circumstances after Arab Spring, their decisions are not wise enough to tackle the upcoming challenges.
Back-door diplomacy, flexibility and a will to take harsh decisions for unity among GCC countries is terribly required before it is too late!
Jawad Akram is an Islamabad based Freelance International Relations Analyst.
He has done Masters in International Relations from University of Sargodha, Pakistan.
He can be reached via e-mail: firstname.lastname@example.com


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SSL Certificates for Businesses
Your Success is Built on Trust™. Your customers need to know that the website they are visiting is Authentic (the real deal) and that their private information is Encrypted/Secure. Identity related theft using tactics such as Phishing are a real and serious threat to online business. DigiCert is a leading provider of High Assurance SSL Certificates and Identity Assurance Services all geared towards helping you build Trust online with your customers. With trust comes increased sales -- this is a proven fact.
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For added trust we offer the new Extended Validation SSL certificates (EV). EV certificates turn the address bar of your customer's browser green and highlight your organization's name, bringing the authenticity and security of your website site to the forefront of your customer's attention.
We recognize that you need to be able to trust us. When you purchase an SSL certificate through DigiCert, we include industry-leading support via phone, email, and live chat 24 hours a day. Our knowledgeable staff will be more than happy to help you with your certificate installation or troubleshoot any difficulties that may arise during the lifetime of your certificate.
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DigiCert offers a wide range of authentication and encryption products for both large and small businesses, depending on your specific needs. If you need more information than you see below, view our SSL Certificate products.
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Secure unlimited subdomains of your domain (and the base domain itself) on unlimited servers.
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Secures up to 25 names, including internal names and names from multiple base domains. Designed for Microsoft Exchange Server 2007, but works great on all types fo servers.
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EV Certs turn the address bar of the user's browser green, telling them you are who you claim to be. The strongest validation available secures one name (with and without the "www").
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Secure one fully-qualified domain name (with and without the "www").


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The ordeal of wearing metal braces for up to two years has turned nearly a million people to Invisalign. This is because traditional metal braces are not always a desirable option for adults with active lifestyles who want to straighten their teeth. Luckily there is Invisalign to help adults in need of straighter teeth.
Invisalign is a virtually undetectable, easy-to-use, removable, comfortable and hygienic system used for improvements such as crowding, excess spacing of teeth, or to treat more complex cases such as overbites, underbites and even crossbites.
Invisalign uses a series of clear, plastic, removable appliances ('aligners') that gently move teeth to their optimal position. In order to create your custom aligners cutting-edge three dimensional computer graphics and patented software made by Invisalign are used.
Invisalign significantly reduces hygienic and aesthetic limitations associated with braces.
There are obvious benefits of Invisalign, such as their subtle appearance and removability. They are also beneficial because they are more hygienic than traditional braces. This is because they're completely removable whenever you need to eat and brush your teeth, which means there's no risk of food getting stuck in brackets.
Invisalign makes the decision easy. You can achieve a great healthy smile without people even noticing you are going through treatment. This means you can go on with your daily duties without fearing people will be distracted by your smile. This – among many other reasons – is why more than 2 million people have made Invisalign their clear choice.
Dr Ghobrial's experience in both Invisalign and conventional braces gives Sure Dental patients flexibility and options when achieving beautiful straight teeth.
Our goal is to exceed your expectations. The years of experience behind Dr Michael Ghobrial as well as extensive postgraduate training and attention to detail allows him to deliver consistent clinical excellence.
As your dental experience is our priority, you will be offered personalised comfort items such as cushions, blankets and a wide selection of digital entertainment.
© Copyright 2019 Sure Dental. All Rights Reserved


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Baychester, Belmont, Bronxdale, Bronxwood, Castle Hill, City Island, Claremont, Clason Point, Concourse, Country Club, Eastchester, Edenwald, Fairmont - Claremont Village, Fieldston, Fleetwood - Concourse Village, Fordham Heights, Fordham Manor, Foxhurst, High Bridge, Hunts Point - Longwood, Jeromes Park, Kingsbridge, Laconia, Melrose, Middletown - Pelham Bay, Morrisania, Morris Heights, Morris Park, Mott Haven, Mount Eden, Mount Hope, North New York, North Riverdale, Norwood, Olinville, Parkchester, Park Versailles, Pelham Gardens, Port Morris, Riverdale, Schuylerville, Spuyten Duyvil, Throgs Neck - Edgewater Park, Tremont, Unionport, University Heights, Van Nest, Wakefield, Westchester Village, West Farms, Williambridge, Woodlawn Heights, Woodstock
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Tabby McTat book & CDAuthor: Julia Donaldson
Illustrator: Axel Scheffler
Format: pb & CD
The picture book is accompanied by an audio CD performed by award-winning actress Imelda Staunton.
Listen to the full story with music, play the Tabby McTat Listening Game and sing along to the Tabby McTat Song.
Most of our copies of Julia's books are signed, but if you want to be 100 % sure that the title you are ordering is signed, do get in touch by email or phone (01903 812062) to check, before placing your secure online order. On occasions where a book is unsigned, we will include a free signed bookplate, which can be attached to the book later.


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One of our readers posed a question to me yesterday and I thought that I would share the answer with all of you. The reader had been scanning scrapbook pages and wanted to know how they could separate the scanned pages into individual pictures. There are hundreds of ways to do this, however, I would like to show you how I would accomplish something like it. Plus, I have a free program suggestion, which makes this tutorial that much better!
The first thing we need to do is download a free program called Paint.Net. This is a pretty nifty program. Here is a little blurb from their website to give you a little background on the program.
It started development as an undergraduate college senior design project mentored by Microsoft, and is currently being maintained by some of the alumni that originally worked on it. Originally intended as a free replacement for the Microsoft Paint software that comes with Windows, it has grown into a powerful yet simple image and photo editor tool.
Once you have the program downloaded and installed on your computer, open up an image. In this tutorial, I am going to copy a piece of a picture and paste it into a new picture. Let's say, for example, I want to cut my picture out below and make a thumbnail of my head.
If you look on the left side of the screen, there is a floating toolbar. Here, you will find lots of really cool tools you can use to edit your picture. Let's find the "rectangle select" tool. You can see it highlighted in the image below.
Click the "rectangle Select" tool. Click and drag over the area of the picture that you would like to cut out. In the image below, you can see where I highlighted the area around my face.
In this tutorial, I don't want to crop this picture because that would affect the original image, which I want to keep as-is. What I want to do is create a new image from the selected area above. To do this, I need to copy the selected area. Click the edit menu, as pictured below, and select copy from the menu.
Now, here is the really cool part. Let's click the "New" button in the upper left corner of the screen. Paint.Net actually recognizes the size of the image that you copied onto the clipboard. Notice in the picture below, there is a dialog box that pops up with image size already filled in.
Once you click OK, there will be a blank picture perfectly sized for the image that is on the clipboard. Now, all you have to do is go to edit and click paste, as pictured below.
There you have it! The selected area from the original picture is now a separate picture. I will point out that if you look in the top right corner of the screen, there are thumbnail images that show you all the images you have open. See the image below for an example.
Paint.Net is one of the easiest image editors I have ever used. I hope to do more tutorials soon. It has a lot of the functionality of Photoshop, but it also is intuitive for people used to using Microsoft products. Since it's free, you can't beat the price.
Please feel free to comment or ask questions. It's always nice to hear from our readers. Please take a moment to share us with your friends as well.


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Those of you who know me or follow me on instagram will probably know that I own this bag. And I have to say it has been one of my best designer bag purchases (If you can count Furla as a high-end designer). I purchased the metropolis in the Metallic pale blue, there are dozens of colours in the range and I found it extremely difficult to choose. I chose the blue because I wear a lot of navy and wanted a bag that would be neutral yet would stand out. You might think this bag is too normal but you can actually fit a surprising amount because it's quite deep. I have lusted after the Hermes Constance bag for years and I found that the metropolis is the perfect alternative and a much more reasonable price.
Even though the price of the Furla Metropolis is quite reasonable for a leather cross-body I of course found you a look for less. The below bag is from Topshop and costs just over 10% the cost of the Furla Bag.


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Jackson's letter is why authors and illustrators should not only create books, but visit with readers.
"Dear Mark Wayne Adams,
Thank you for coming to Julington Creek Elementary School, I am glad that I got to sit next to you while the 5th Graders were performing their story. I was wearing a blue Under Armor long sleeve shirt with a white stripe going down the shirt. My friend, a girl with a long sleeve pink shirt and you signed her notebook and drew a picture in it.
I love your books, especially "Nicholas, That's Ridiculous!" I would like to order the "Best Sketchbook." But I would not like to order "Nicholas, That's Ridiculous!" because we read it at the assembly.
In the notebook (on the first page) I would like you to draw a baseball player because I am a baseball player. And if you could please give me an autograph.
Your friend,
P.S. You are a really nice and funny man. I loved your "stories" that you told us at the assembly. LOVE YOUR BOOKS! Write back if you get the chance. You are my favorite author now!"
February 18, 2015
Jackson, thank you for being a fan. You're an inspiring friend! —Mark Wayne Adams


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Printing Plant
Quality, Speed, Efficiency Prepress
Three high-speed Kodak CTP systems ensure the fast throughput of plates to the printing machines. The Staccato grid system developed by Kodak guarantees more detailed colour reproduction and high-precision printing, which is a key advantage for advertising partners. Pages prepared in the editorials are automatically set up in the latest CTP systems. Data is entered broadband with the help of a microwave connection, while an optical cable ensures communication between the printing house and editorials in the event of possible breakdowns.
The UNIMAN 4/2S, WIFAG OF790 and the new model WIFAG OF370 printing machines are capable of printing up to 180,000 newspapers per hour. The WIFAG printing machines are equipped with the most state-of-the-art prepress software to satisfy the demands of clients to a maximum extent. The form making machines at operating level in the machine room reduce the interval between preparing plates and printing to a minimum, so printing not only satisfies the demand for high quality, but also makes it possible to launch printing extremely fast.
The newspapers coming off the printing line are placed in five high-power FERAG supplement inserting lines in the dispatch room. 2 supplements can be inserted per hour in a total of 165,000 newspapers on these machine lines. We are able to cut the journals printed in our printing house to the size our clients request. We are capable of cutting a total of 60,000 copies of journals to size. It is also possible to stick labels onto the cover page of the dailies or journals printed in our printing house. The technological speed of this service is identical to printing speed.
Mediaworks Printing House
The printing house of Mediaworks Kft. is located in the 22nd District in the ProLogis Harbor Park Logistics Centre positioned ideally for distributing newspapers and magazines nationwide. The MediaLog hall is located in the immediate vicinity from where newspapers for subscribers and POS distribution are dispatched. 80 employees at the printing press offer perfect services for newspapers and magazines, print the supplements and dispatch the products. The state-of-the-art printing house specialising in dailies and cold set printing is not restricted to Mediaworks, but also satisfies the demands of other clients at the latest technological standard.
Company Management Policy
Beyond satisfying the demands of clients and offering high standard services, the management of the Mediaworks Printing House and every one of its employees is committed to making continual improvements to the environmental performance of the printing house and complying with legislative requirements. Our printing company holds the quality management and environmental-centric management system attestation MSZ EN ISO 9001:2009 and MSZ EN ISO 14001:2005 since 2006.
Mediaworks Printing Plant
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Production and Technical Director
Sándor Mireisz
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E-mail: [email protected]
Tünde Széles
Tel: +36 30 868 1875
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E-mail: [email protected]


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The interaction between disease and disease information on complex networks has facilitated an interdisciplinary research area. When a disease begins to spread in the population, the corresponding information would also be transmitted among individuals, which in turn influence the spreading pattern of the disease. In this paper, firstly, we...journal article 2018


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In KAIST,
What constitutes the essence of college life - the casual drinks, impromptu talks, and nights out - seem eternally sandwiched between exam weeks. There is no better demarcation of what makes college life bearable or intolerable than the uncomfortable acknowledgment of looming exams. Thankfully though, in the weeks leading up to exams, life is culturally rich, mainly due to the innumerable events and opportunities to be found on the school campus.
Partnership with Leechard Pro Hair
In a biannual newsletter published by the Undergraduate Student Council (USC), it was found that most KAIST students would favor increased partnerships and discount privileges with regards to restaurants, cultural/ leisure activities, and public transport. In the category of cultural/leisure activities, students wanted cinema, hairdresser's, and amusement park discounts the most and some suggested sports equipment, futsal fields, baseball matches, and gaming. With these results in mind, the USC prioritized discussion with cinemas, hair shops and considered implementing coupon systems for some delivery restaurants.
It strikes many people by surprise that this particular hairdresser's is spelt Leechard, as opposed to the more common English given name Richard. Its queer naming put aside, Leechard is one of the most frequented hairdresser's by KAIST students. Therefore, the USC announced in late September that it will work on forming a partnership with the hair shop, providing a 20% discount on all styling services available to all KAIST students (postgraduates inclusive) as well as employees. The discount will be put into effect if at least a minimum of 100 people sign up.
As these partnerships are open to the entire KAIST student body, the USC understands how important publicity is. In the past, people have not been able to take advantage of these perks simply because they were unaware. Accordingly, a list of partnerships will be put up on Facebook, the USC's homepage, and our school's online community, ARA, to ensure every constituent of the KAIST community can utilize it.
Organization of the KAIST Art &Music Festival
The fourth annual KAIST Art & Music Festival (KAMF) took place on the third and fourth of October. Over the years, the festival has gained a reputation for mediocrity. In a poll conducted by the USC, only 22.7% responded that they participated in the 2014 KAMF. Of those who participated, 31% thought the organization of the event was poor, 29% thought the ticket pricing was problematic, 19% disapproved of the lineup, and only 9% declared that the event was held smoothly. In order to increase the overall satisfaction of KAMF, the USC set out several pledges. First of all, they changed the initial planning agency from 'Enjoyment Howl', which has been prone to countless complaints, to 'Hyupdong Johap Monddang Classic'. Moreover, to improve sound quality, the venue has been altered from the Sports Complex (N3) and Outdoor Theater (W9) to the grass fields encircled by the Creative Building (E11), the Main Administrative building (E14), and the Main Library (E9). In addition to this, the USC recruited 'LP Sound', a company which is responsible for sound systems in Seo Tai-ji's concerts. On a separate note, there have also been comments that the 'art' aspect of KAMF has been overshadowed by the performances. The number of participants at art booths have been on a steady and steep decrease, mostly because little revenue is generated from installing and managing these booths. In order to solve this problem, this year, the USC has attempted to garner more publicity by inviting renowned artists such as webtoon author Poong Kim. It is expected that KAMF gradually improves its overall quality in the near future and establish itself as a major cultural event in Daejeon.


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Badge Alliance Blog
We are now part of IMS Global
In 2016, the Badge Alliance completed its three-year run, successfully having brought Open Badges out of their early incubation phase within the Mozilla Foundation and having helped organize a transition to the next level, as a growing international web standard within IMS Global Learning Consortium. Blog posts that capture this journey are available on the Open Badges publication on Medium.
- By nate
- 0 Comments
- January 2, 2017
The Badge Alliance at MozFest
By Jade Forester At this year's MozFest, the Badge Alliance was represented by three team members—Carla Casilli led a research-focused session and held office hours throughout the festival weekend, and Sunny Lee and I sat down with a group of attendees to dig into this year's accomplishments and start to look at areas in need of attention in the coming year. We used the Cycle 1 Working Groups as a starting point, focusing on each to identify gaps still to be filled in key areas of both the infrastructure that supports Open Badges and the growing ecosystem that expands adoption of badges. Upon our return from MozFest, we brought our notes from this group exercise to the Community Call, inviting attendees to add their thoughts. These conversations helped clarify the most critical issues facing the open badges community as we continue to push this work forward. Here's what we found: Employers will be the key to widespread adoption Workers need jobs. Employers need talent. Badges can help workers showcase their full skill sets and allow employers to identify candidates with the right qualifications and competencies. This has been part of the Open Badges narrative since day one, and as we More »
- By jade
- 0 Comments
- December 2, 2014
Badge Alliance Badges are here!
The Badge Alliance is pleased to announce the first set of open badges designed to recognize the diligent work and meaningful contributions that Working Group members have made to the global open badges movement throughout Cycle 1. We're excited to say that all of the email notifications for these badges have been sent and that these badges are beginning to be claimed by their earners. If, after reading the badge descriptions and criteria below, you believe that you are eligible for one or more of these badges and you haven't heard from us, email email@example.com to let us know which badge(s) you have earned. Please include the criteria you've met, as well as any evidence supporting your application. Thank you! ****************************************************************************** Badge Alliance Community Member This badge acknowledges general membership in the Open Badges community and participation ranging from activity in the Google group to joining weekly community calls. Criteria: The Community Member illustrates conceptual fortitude by signing up for at least one of the mailing lists to interact with the Open Badges community. Potential Evidence: Subscribes to one or more Working Group mailing list or the Open Badges Community Group Interacts with the Open Badges community More »
- By jade
- 0 Comments
- November 21, 2014
Celebrating Our Successes: An Overview of Cycle 1
Four years ago, the idea for an open badging ecosystem was ignited by a small working group at Mozilla Drumbeat (now the Mozilla Festival.) Since then, the Open Badges project has grown into a global movement that presents both incredible opportunities for change and a growing responsibility for collaboration and transparency. At the Summit to Reconnect Learning in February 2014, we announced the Badge Alliance, a network of organizations committed to further developing and growing the open badges ecosystem together. The Badge Alliance (BA) was built around the Constellation Model for Social Change, seating the work in a set of dynamic Working Groups that collaborate on specific areas and key issues in the badging ecosystem. The Working Groups operate on a six-month cycle, encouraging highly focused, engaged work toward both short- and long-term goals. We kicked off Cycle 1 in March with an initial 10 Working Groups, adding three more later in the cycle. These Working Groups were led by network members who worked in conjunction with other community volunteers to continue to build diverse and robust communities related to their topic areas with the ultimate goal of delivering valid and important work that benefited the entire ecosystem—which they delivered More »
- By jade
- 0 Comments
- October 16, 2014


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The Falco Canola + Draft Herbicide growing system offers growers a great option for a new weed control system on the farm. Draft fits perfectly in a rotation with glyphosate-tolerant crops as an alternative chemistry to prevent volunteer weeds the following year.
With Falco Canola and Draft Herbicide, you can rely on an advanced growing system developed to include exceptional broadleaf weed control and excellent crop safety.


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|Mare Serenitatis - The Serene Sea
The concert was about to start and she was nervous. A long time had passed since the last one. The crowd's murmur filled the room. She had decided to play for a selected group only in a private presentation to get reacquainted with the tension and the pressure. She entered, they applauded. She sat down and started playing. Half way through the first piece of the program, the piano stopped giving sound. She pushed the keys again and again and nothing. People in the audience looked at one another baffled. It had to play, at least a dry muffled stomp, but there was nothing at all. After a few seconds, someone in the small crowd suddenly stood up and started clapping effusively while everyone else looked at him puzzled, to what he said "Fantastic interpretation! You have brilliantly turned it into a fragment!". Disconcerted and fearful of the general reaction, she avoided looking at the room, but when everyone else started applauding as well with cheers of "Bravo! Bravo!", she stood up, took a bow and vowed to herself never to play the piano again. She didn't like fragments.


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You are hereHome ›
New Brighton police search for burglary suspect
At approximately 10:20 this morning officers from the New Brighton Department of Public Safety (NBDPS) were dispatched to the 2700 block of West County Road H for a report of an interrupted home burglary that had occurred 10 minutes prior.
The NBDPS immediately contacted the Fridley Police Department for assistance. Upon their arrival, officers determined the suspect had fled to the south, according to a NBDPS press release. While officers searched for the suspect, Fridley Police Officers were dispatched to home on a report of another burglary approximately six blocks away.
According to the press release, the two burglaries are consistent with one that occurred within the past two weeks in the 3000 block of Spring Creek Drive. The suspect in the latest burglary is described as being a black man of median build, approximately 30 years old, wearing a dark hat, grey shirt or jacket and white tennis shoes with a distinctive tread pattern, which can be viewed at https://www.facebook.com/pages/New-Brighton-Department-of-Public-Safety/....
Police are asking anyone with any information about these incidents, or anyone who recognizes what type of shoes match the tread pattern to contact the NBDPS by emailing email@example.com, calling 651-288-4100, or through the NBDPS Facebook page.
According to research conducted by the NBDPS, a daytime burglar will oftentimes knock on several doors in a neighborhood looking for a home where no one comes to the door before breaking in. Police urge people who witness anyone going door to door, or encounters anyone knocking on their door and seem surprised you answered, or asks for someone who does not live there to call 911 immediately.


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China reports first case of Zika virus
China's first case of the Zika virus has been found in a 34-year-old man who recently travelled to Venezuela.
The man, from the southern city of Ganzhou, was treated in Venezuela on January 28 before returning home on February 5 via Hong Kong and the southern Chinese city of Shenzhen, the National Health and Family Planning Commission said.
The commission said he had been confirmed as having the virus on Tuesday and was being treated at the Ganxian People's Hospital. His temperature was now normal and a skin rash was receding, it added.
It said the chances of the virus spreading in China were "extremely low" due to cold winter temperatures and a lack of mosquito activity, the primary avenue by which Zika spreads.
The Zika virus is spreading rapidly through Latin America. Most people who contract it have either mild or no symptoms, but it is suspected of causing a birth defect that results in babies born with abnormally small heads.
PA Media


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by Chris
(Lynchburg, VA, USA)
My name is Chris. I have been experiencing TMJ effects for approximately 5 years, only on my right side. It started off as a clicking or popping in my jaw joint (which I would use to gross people out...I know, not the best thing to do) which I had no idea was a symptom of TMJ. I had no pain. About 3 years ago I started to have pain associated with this, and one day my jaw seemed to pop out of the socket, which caused a lot of pain. After this, it was as though my jaw could not open as far as it used to. In fact I could barely get a fork with food on it into my mouth. It felt as though I would have to take pliers to open my mouth further. I went to the local dentist to get it checked out.
After visiting the dentist...and $1,000 later, I had a custom mouthguard to wear at night (even though my wife told me she's never heard me grit or grind my teeth at night). I used this even though the awkwardness of something in my mouth interrupted my sleep. After about 3 days, my jaw seemed to unlock and I could open it all the way again, but not without some popping and discomfort. I tried to continue with the guard and pay attention to my jaw movements but shortly after it locked up again. It would do this on and off for several weeks.
After also seeing a physical therapist, he explained how the ligaments are tight and the disc is misplaced which is causing my jaw to lock up and not be able to open all the way. He explained how therapy could repair the ligaments and disc but may not completely fix the problem. If it locks up again, best bet is to simply practice exercises to stretch out the ligaments so I can open my mouth bigger.
What do you know? My jaw appeared to lock up (or I like to say feels as thought it's out of the socket) 2 years ago, and has been that way ever since. I have learned to live with it, and yes...it does seem as though the ligaments have stretched out because over time my jaw has been able to open bigger and bigger. However, in 2 years I have not been able to do this without discomfort. Some days are really bad and I think contribute to headaches.
I find myself moving my jaw around awkwardly to try and gain relief, but it looks like I have a nervous twitch...or so my wife says.
I'm looking for some relief from this.
I'm skeptical about mouthguards because the feeling of something in my mouth at night interrupts my sleep so much. What makes your mouth guards different from others that this is not a problem?
From the story I've told, do you think theres any way I can feel as though my jaw is "popped back in place?"
I've only recently had such pain that I feel I need to do something different. Over the last 3 years, for the most part, it's been tolerable.
Any insight would help.
Comments for First steps to relief?
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Join in and write your own page! It's easy to do. How? Simply click here to return to TMJ Questions.


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Oracle adds members to grid alliance
Oracle's Enterprise Grid Alliance added three new members and its first end user to help develop grid computing standards and user-friendly tools.
Oracle Corp.'s Enterprise Grid Alliance (EGA) has added three new members to its ranks, including its first end user, adding clout to its effort to produce user-friendly tools and grid computing standards.
Software maker Avarsys Inc., Dell Inc. and UBS Investment Bank were added to the list of members, bringing the group's tally to 25, according to Donald Deutsch, the EGA's president and vice president of standards strategy and architecture at Oracle.
To address the lack of applications integration standards for grid environments, Oracle in April formed the alliance, a group of major software vendors dedicated to setting standards for commercial applications of grid computing.
Oracle last year began making grid computing a central theme to its technology strategy with the release of its latest database model, 10g.
An expanded grid alliance is essential to advancing grid computing, said Mark Blowers, a senior research analyst with the Butler Group, a U.K.-based research firm. It is helpful to have as many software makers and users as possible on board to develop clear standards, Blowers said.
"To harness the interoperability capable of meeting the benefits of a grid architecture takes standards from all the players involved," Blowers said. "Ideally, it takes a global network of various people working with grid computing to form common standards, but this is a good step forward."
Alpharetta, Ga.-based Avarsys provides enterprise grid computing, clustered and data management application, and infrastructure products. Avarsys is the first value-added reseller to join the EGA, demonstrating the potential for enterprise grid computing in the technology sales channel, Deutsch said.
"Our goal is to create developer and user-friendly grid computing tools and standards essential for advancing grid computing," Deutsch said. "The new membership is vital to helping enterprise grid computing reach its full potential."
Dell has worked closely with Oracle, bundling Oracle's database software with its x86-based servers. Deutsch said developing standardized architectures for grid is important for better performance and improved efficiencies.
Over the last two years, UBS has implemented and operated an enterprise grid computing architecture.
The Enterprise Grid Alliance also includes EMC Corp., Fujitsu Siemens Computers BV, Hewlett-Packard Co., NEC Corp., Network Appliance Inc. and Sun Microsystems Inc.


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Craig, can I pay when I get there?
Is there a group number for discounts on the rooms. I'm already registered, however I don't see where we have a group ID.
I heard that there is a tornado coming from Rio Rancho, New Mexico For sure, the next time you throw oil, I'll stop and check
Tonight at 9PM rooms are released at the Maverick, if you are on the fence call now.
What was room rate that was negotiated?
Asking this for a friend. He will be riding down to the Texas hill country from Mountain Home, AR. He will be there the 2nd full week in October. What would be the best route for him to take. I will be on a NE cruise that week, but plan on making the Natl next year. I also live in Mountain Home, AR.Steve Rogers
I will show him your directions. I would assume that his destination would be the Kerrville TX area.Steve
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Sandra Bullock never really did it for me. I enjoyed her in "Speed" and "Demolition Man" but a film with her in the lead I'd usually avoid if I could as most had, well basically boring premises. Sadly I ended up having to watch a lot of them and find myself thinking the same thing – these are watchable movies, but that's about it. That said this one I had better hopes for after hearing the casting and then later enjoying the trailer – and I wasn't let down.
This is easily her best comedy yet – there's a good story, interesting characters plaid by a variety of solid actors, and some good laughs. Its a studio movie and thus is pretty much on the 'safe' side of the comedy fence, but it still is actually quite funny at times and always remembers its a comedy first and foremost. There's a thriller sub-plot involving a terrorist with a bomb that's not only conventional but kind of spoiled earlier than it should've been, but its necessary to the plot and is essential for the great climax.
The performances are good all across the board with Bullock doing a performance a little different than usual but making good use of her talent ranging from physical comedy to some nice word jabs. Michael Caine as the elitist yet disgraced beauty consultant comes in a close second doing his eccentric supporting performance style he's known for.
Bratt is surprisingly quite impressive as the love interest/buddy and is more 'natural' in the role than one might expect. Sadly Bergen and Shatner aren't stuck with as interesting roles as they should've had but do well with what little they've got. The original premise I hear had Shatner's character drown his sorrows of this being his last pageant just before the big event and thus making a fool of himself on stage – that would've been great.
The contestant girls are solid all round. The film's running time is a little longer than standard but it never feels slow or too long, and even the slightly cheesy ending is nice. I really quite enjoyed this and it deserves to be doing a lot better than the disappointing "What Women Want". This is one Bullock movie that's no bull – fresh, funny and enjoyable by all.


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Front Cover
Ocean cruises with our cruise partners for 2019
A great partnership so you can enjoy a complete cruise experience
An excellent choice of ships whatever style of cruise your prefer
Introducing our new cruise partner Voyages to Antiquity
Voyages to Antiquity
The Black Sea and Greek Islands
Classical Greece and Southern Italy
Baltic Capitals and St Petersburg
Mediterranean Odyssey
Dalmatia and Ancient Greece
Classical Greece and Islands of the Aegean
Fred. Olsen Cruise Lines
Caribbean Return
Belgian Chocolates and Floral Holland
French River Cruising with Bordeaux
Exploring Portugal's Highlights
Discovering the Adriatic and Dalmatian Coast
Scenic Fjords of Norway
Canary Islands and Madeira
Amalfi Coast, Tuscany and the Italian Riviera
Swedish Waterways and Cities
Spain and Portugal with the Seville Fair
Capital Cities of the Baltic
Islands of the Azores and Cities of Portugal
Sun, sea and the Monaco Grand Prix
Norwegian Fjords and Cities
Icelandic Wonders and Wildlife
Isles of Scotland
Baltic, Estonia Festival and Rotterdam Jazz
Fjords, Mountains and Glaciers
Baltic Capitals
Fred. Olsen Cruise Lines contd.
Mystery Cruise
Cruising German Waterways
Singapore and the Islands of Indonesia
Iconic Australia
Holland America Line
Amazon and Carnival Explorer
The Lands Down Under
Latin American Discovery
Highlights of Hawaii
Greek Odyssey
Voyage of the Vikings
Cruise and Maritime Voyages
Panama, Mexico and the Caribbean
St Petersburg and Baltic Cities
British Islands Discovery
Grand Baltic Cities and St Petersburg
Majestic Fjordland and Amsterdam
Iceland, Faroes and Northern Isles
Round Britain and River Seine
Arctic and Greenland Expedition Voyage
Scottish Isles and Faroes
Summer Gardens and River Seine Experience
Grand British Isles Discovery
Canada in the Fall
Azamara Club Cruises
To the End of the Earth
Springtime in Asia
Idyllic Italy
Additional Information
Essential Information
A few other details
Back cover
Ocean cruises with our cruise partners for 2019


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Lawn Baptist Church is a place where believers in and around Lawn, Texas have chosen to come and worship God. We are people from all walks of life seeking to follow Jesus Christ in how we live, learn, and love.
"I urge you to live a life worthy of the calling you have received. Be completely humble and gentle; be patient, bearing with one another in love. Make every effort to keep the unity of the Spirit through the bond of peace."
Ephesians 4:1-3
December 8-December 14
Bob Stephens 260-9022
Joel Terry 201-2212
To create a Breeze login, click on the link below. Please note, the church must have a current name & email address for you to gain access to Breeze. If you are having troubles, or if we do not have your current information, please contact the church for us to update the information.
Below are a couple of Family Resource links that could be helpful. You can subscribe to each of these & they will be emailed to you on a weekly basis. I just listened to the podcast "Parenting Teens with Richard Ross." It covers kids from 4th grade all the way to college-lots of good information! Best of all, they are free-click below to be redirected to the resources.
The monthly newsletter can now be found on our website-just click the Monthly Newsletter tab at the top of the page!


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U.S. Tax Form 8833 Treaty Based Return Position
Who Must Use This Form?
When the benefits of a tax treaty are used to justify non payment of a tax or the non filing of a return, the taxpayer is required to file Form 8833 - Treaty Based Returns Position Disclosure.
What Information Is Required?
When a taxpayer elects to take a position that is contrary to any provisions of the U.S. tax law that is based on the provisions of a treaty with another country, the taxpayer is required to file Form 8833 to disclose the treaty country, the applicable articles of the treaty that apply, the applicable sections of the IRC and an explanation of the position taken.
When Is It Due?
This form should be attached to the taxpayer's regular tax return (Form 1040, 1040-NR, 1120, 1120F, 1065, 1041, etc.).
Where Should It Be Filed?
It should be filed as a part of the taxpayer's regular tax return, but if a return is not otherwise required, this form should be sent to the IRS Center where a return would otherwise have been filed.
How Long Does It Take To Prepare?
The IRS estimate of the average time required to prepare this form is about two hours. It's likely to take quite a bit longer for a preparer who is not familiar with the applicable tax law and treaty provisions.
Why Comply ? (Penalties)
The applicable tax code section (IRC 6114) and the instructions to this form do not explicitly include mention of any specific penalties for a failure to file the form. However, where the benefits of a treaty that overrides a provision of the IRC are relied on, the IRS can deny such benefits without a disclosure of the applicable treaty provisions.
This form may be required to justify not filing the quarterly Form 720 for the excise tax on insurance premiums paid to foreign insurance companies if the excise tax is not required under a treaty -- such as with Switzerland.
Copies of IRS Tax Forms and Instructions are available from their web site at


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Last weekend I went to see We Know Nothing: Monologues of Ice and Fire, a Vancouver-produced comedy show featuring my blanket! The show was very entertaining and lovingly poked fun at Game of Thrones. My blanket got to hang out on stage for the entire show, draped over the chair that seated 'George RR Martin'. Well the actor playing him, at any rate – I can only dream that one day the real one would sit on it. 😉 Anyway, I got a few pictures after the show of me with my Jon & Daenerys dolls sitting in the chair, plus there's some official photos below of 'George' in the chair (thanks to the producer Keegan for sending me these!).
|Photo shoot on stage after the show!
|"George RR Martin" (sort of) sitting with my blanket


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Colleges & Universities
Accreditation is one process used by the American higher education system to access and scrutinize the
quality of institutions of higher education. There are two types of institutional accreditation: regional
and national. Institutions with regional accreditation are nearly all degree-granting and non-profit. There
are six regional accrediting organizations across the United States that assess and monitor institutions in
their geographical area. National accrediting organizations, on the other hand, accredit both degree-granting
and non-degree-granting (career schools, for example) institutions. Additionally, many institutions with
national accreditation are for-profit. National acceditors are not traditionally limited by geographic area,
and have members spread across the country.
The United States Department of Education (USDOE) and Council for Higher Education Accreditation (CHEA)
recognize certain accrediting organizations and accept those organizations as sufficient for institutional
oversight. The USDOE recognizes accrediting organizations in accordance with federal law and regulations.
Institutions must be accredited by an accrediting organization recognized by the USDOE in order to offer
federal financial aid to students; those not accreditd by a USDOE-recognized accreditor cannot participate
in federal aid programs.
Regarding the transfer of credits, it is up to each institution to decide what to accept. However,
as a general rule, regionally-accredited institutions do not accept credits from nationally- or
non-accredited institutions.
Regional and national accreditation focuses on the institution as a whole, and does not look at individual
programs. In some cases, a program within an institutions may be accredited by a specialized accreditor
in a particular field. This is not required, however, and varies widely from institution to institution. Specialized
accreditors only examine a particular program and have no bearing on the quality of the institution as a whole.
For more information, see USDOE's page on accreditation.
Independent Institutions
In-state, regionally-accredited, non-profit institutions licensed to operate in Connecticut
Other in-state, non-profit institutions licensed to operate in Connecticut
In-state, regionally-accredited, for-profit institutions licensed to operate in Connecticut
In-state, nationally-accredited, for-profit institutions licensed to operate in Connecticut
Out-of-state, regionally-accredited, non-profit institutions licensed to operate in Connecticut
College Certificate Programs licensed to operate in Connecticut
State-Supported Institutions
Connecticut State Universities
Connecticut Community Colleges
Federally-Supported Institution
Institutions Participating in the State Authorization Reciprocity Agreement (SARA)
A list of institutions participating in SARA is available here. Below are non-participating institutions
that have registered to offer distance education degree programs in Connecticut.
Out-of-State Institutions Registered in Connecticut to offer Online Instruction


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How To Investigate Your Date
I knew I should have paid attention when my new boyfriend showed me a text from his former girlfriend. He and I were out to dinner and his phone was blowing up with text messages from her. He ignored them at first, but then he read her messages and began shaking his head in disbelief.
"What is she saying to you?" I asked him.
"Ugh… she's crazy. Here, you can read them for yourself," he said.
He handed me his phone and I read them, one by one, and they were brutally harsh. At first I was happy to see how transparent he was about her texts, proving to me that he had nothing to hide. But what she wrote made me feel so uncomfortable. I felt tingling up and down my spine, and even a little nauseous. Because deep down, I worried that what she was saying was actually the truth.
She wrote:
"You are SUCH an asshole. I can't believe how you can so easily go from me to her in just a matter of days. Does she know the truth about you? Just a few weeks ago you were sleeping with me, telling me that you loved me, and now you have found someone else, just like that, with absolutely no conscience! I feel sorry for her… because you will end up discarding her, just like you did me. I should get her number and tell her the truth!"
I felt a little panic rise within, and wondered if he was really who he said he was. I so badly wanted to believe him – he was everything I dreamed of in a man. I asked him a few probing questions about her, and he assured me that she was emotionally imbalanced and taking a lot of medication. "She's probably having another episode," he said. "I just ignore her."
Fast forward to 8 months later, where my relationship ended with him. He nonchalantly admitted to cheating on me after I found his Match.com profile active in another state. Not only was he cheating, he was already in another relationship. So, you can imagine, those texts from his former girlfriend haunted me. Ironically, I sent a similar rant of texts to him, which went unanswered – probably because he was on a date with his new girlfriend.
I reported him to Match.com, warning them that he was a pathological liar and a player. He even had pictures of him and I together on a trip on his dating profile, and because he did not have my permission, the dating site took him down.
But they had no control over whether he could easily start a new profile under a different user name, which he did, of course.
If only I had access to all the women he dated, where we could share our experiences and warn others of his harmful behavior. Unfortunately, online dating offers a secure environment for narcissists, married men, cheaters and scam artists who go from state to state, luring in women, without them ever knowing who they really are. If only I could have warned others – but the technology never existed for me to do so.
Until now.
I am totally psyched to tell you about a website that allows women to safely and anonymously share their dating experiences. It's called Undolus.com, and it allows you to do two amazing things: Investigate your date and rate your date.
This site has partnered with an esteemed background checking company to offer you important details about your date including his name and address, date of birth, criminal record, as well as property and business ownership information. It will also tell you if he has filed for bankruptcy or if he's been evicted, as well as other pertinent information you won't be able to find with a Google search. Imagine how much time and potential heartbreak that would save you!
You can also rate your date, which means if you've dated him and he lacks important relationship attributes or gave you some serious red flags, you can share it anonymously within the site's membership platform. Just imagine – you get to warn others that he isn't as special as he appears to be! Or perhaps he was actually a nice guy, except you two didn't click and you want others to know that he is datable and safe – you could even give him a good rating!
So this means when YOU go on a date and want to see if this guy has been rated, you can see how he checks out on Undolus.com. Keep in mind, the site is still new so if you don't see your guy featured on the site, it doesn't mean he is a keeper. Still be cautious. But if it doesn't work out, make sure you post your feedback to let other women know about his dating potential.
This site was developed by two women who, after their divorces, struggled to find a datable man without the hassle and major time investment (one is now re-married). So, they built an online platform where women can investigate and rate their dates, safely and appropriately (meaning, they aren't allowed to bash or slander a person). Is this not genius? If only this existed when I was dating.
As always, be safe out there when dating. When you see a red flag, trust it. Communicate your concerns to your date, and if you don't get the answer you wanted, then you may want to move on. Share your experiences with others, especially if the guy is a bad egg – it's up to them to listen, but I do feel that women need to stand together and help each other – even if they're strangers.
And my goodness, do a background check on this guy – go to Undolus.com and get started. I just recently interviewed one of the founders for my podcast – be sure to listen below. Join me in congratulating the founders on creating such an important tool for women – I can't thank them enough!


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The Wells College men's basketball team fell by a score of 81-76 at SUNY Cobleskill in the season finale for both teams on Saturday, Feb. 17 at Iorio Gymnasium.
Wells finished with a 7-18 overall record and was 5-11 in the North Eastern Athletic Conference. Cobleskill is 8-17 with a 5-11 NEAC record.
Wells trailed 28-22 in the first half but answered with eight points in a row to take a 30-28 lead. The Express used another run, scoring seven straight points to close the first half, and led 39-36 at halftime.
Wells held its final lead of the game at 48-46 with 13:44 left in the second half. Cobleskill went on a 13-4 run and never trailed again.
Rich Ross led Wells with 24 points and 13 rebounds. David Dames scored 13 points with six rebounds. Zach D'Arpino scored 12 and Tyree Fisher added 10 points for the Express.


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Tuesday, August 27, 2013
It takes preening self-confidence to call an attorney general who just sued you a "political hack." That is what Donald Trump has done, and of course, he made headlines yet again. Trump is easy to dislike. He is his own outrageous publicist and he gets away with playing the "bad boy" time and again. Perhaps this time the law will catch up with him but more than likely, it won't. But, even if it does, Trump will bray that the government's case was weak, and he managed to settle for a pittance. Trump holds himself in highest self-regard, and he has made himself wealthy many times over. His name is on many buildings and he has assured himself a legacy. One wishes he would try humility for a change, but that won't happen.


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FDI in retail: Left parties to intensify stir
The CPI said the "adamant attitude of the Prime Minister smacks of a Bali deal for pushing retrograde economic measures to meet the interests of the USA", while the CPI(M) charged the government with using "specious arguments" to defend its move.
"Unable to counter the facts regarding the large-scale displacement of employment and livelihoods in the retail trade if foreign retail chains are allowed to operate in the country, the UPA government is now using the specious argument that it will benefit the farmers.
"Contrary to its claim, experience in other countries shows that once multinational retailers establish themselves and eliminate the intermediaries, they are able to dictate terms to the producers. The farmers would become captive to the prices determined by the giant retailers," the CPI(M) Politburo said in a statement.
Backing shopkeepers and traders who had gone on strike yesterday, the CPI(M) said the struggle against FDI in retail trade must be continued with vigour and asked its units to intensify the campaign by organising more protest actions.
The CPI Central Secretariat accused the government of showing "obstinacy" on its decision to allow 51 per cent FDI in multi-brand retail trade despite "strong opposition by the entire parliamentary opposition and even a few of the allies of the ruling combine."
The FDI decision would "have dire consequences for our economy", ruin the lives of over a million retail traders, hit the customers and farmers as the retail MNCs would fix the prices, attempt to change the crop pattern and throw lakhs of people out of jobs, it said.


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Photo by Tim Wright/photoaction.com.
Antigua Sailing Week is pleased to announce that the Royal Southern Yacht Club of Hamble, UK has issued a challenge to reciprocal and other yacht clubs around the world to compete in the Royal Southern Inter-Yacht Club Challenge at Antigua Sailing Week 2015.
Yacht clubs are being challenged to take their own boats to participate in Antigua Sailing Week or to charter one of many racing boats or bareboats that are available for the event. While race charter boats may be a little more exciting, a fleet of one-design boats is available from Sunsail which provides boat for boat racing action.
The driving force behind the challenge is Gordon Cossar of the Royal Southern Yacht Club. Of the Challenge he says, "We are really excited to get as many clubs as possible involved. Following Antigua Sailing Week 2014, we realised that about 30 Royal Southern members had been at the final awards party and on returning to the UK we got together to discuss a challenge. We have some early expressions of interest from several yacht clubs so things are already shaping up well for an exciting addition to Antigua Sailing Week 2015.'
Antigua Sailing Week has provided the Royal Southern Yacht Club with a complete information package containing details of everything from available race charter boats to accommodation, marinas and provisioning. The information package includes everything an Antigua Sailing Week first-timer needs to know to make plans to participate.
Chairman of the Regatta Organising Committee, Kathy Lammers, says: 'We are delighted that of all the great events in the Caribbean regatta season, the Royal Southern Yacht Club has chosen Antigua Sailing Week as the event to feature the Royal Southern Inter-Yacht Club Challenge. We look forward to providing yacht clubs from around the world with some of the most challenging and exciting racing they will ever experience in the Caribbean's idyllic conditions.'
Antigua Sailing Week 2015 takes place from April 25 to May 1 and is based at Antigua Yacht Club in Falmouth Harbour. Courses are predominately windward/leeward in the warm waters of the Caribbean Sea aside spectacular headlands and picturesque Cades Reef with steady trade winds guaranteed. It is the granddaddy of Caribbean sailing events and is difficult to beat anywhere in the world.
Racing starts on Saturday, April 25 with the optional 54 nautical mile Yachting World Round Antigua Race. Five days of round the buoys racing follow, with two races on some days and a lay day on the Wednesday featuring a great beach party at Pigeon Beach. Daily post-race social events and prize givings take place on the lawn of Antigua Yacht Club which showcase the great camaraderie that the event cultivates among sailors. The week winds up with the final awards presentation on Friday, May 1 in the unique setting of historic Nelson's Dockyard in English Harbour. On-the-water activities are complimented by great parties with a very Caribbean flavour.
The minimum time commitment required to participate is one week but a commitment of 10 days would allow for two or three days' practice and boat prep prior to the event. Two full weeks would allow for some leisure time in addition to racing. The financial commitment includes the cost of flights, food, accommodation and the yacht.
Get a flavour of Antigua Sailing Week by watching the 2014 wrap-up video and check out the Notice of Race, regatta details and submit your online entry. Please let Sailing Secretary Natalie Gray on email@example.com know if you are interested to take-on Team Southern Racing's Antigua Sailing Week Challenge. (Team Southern Racing is the Royal Southern Yacht Club's race team.)


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Last Updated on
As a photographer who prefers a simplified and sometimes a minimalistic approach to photography, I stopped using photo filters a long time ago. I find that filters complicate the process of taking photos, plus most of the effects I can replicate in editing tools such as Photoshop and Lightroom.
The only filter that can not be fully replaced by editing software is Polarized Filter. This is the only filter I still have in my camera bag.
Today I am featuring a short and sweet introduction to Circular Polarizing Filters by Joshua Cripps who is a professional photographer and an educator.


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When it comes to apples, most of us think of Granny Smith, Gala, or Red Delicious. However, farmers once grew thousands of varieties of apples. Today, most of these old heirloom varieties are extremely rare, and only grown by a small handful of farms. We would like to invite you to experience the very special tastes and textures of these native fruits that are no longer available in grocery stores. Join Tammy Coxen, of Tammy's Tastings for a special heirloom apple tasting Thursday October 26 at 7:00 PM.
This program is for patrons 18 years and older. Registration begins September 25.
Upcoming sessions
There are no upcoming sessions available.


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Proceedings Managed Under Family Law In South Jersey
In New Jersey, family law encompasses a variety of proceedings that could affect families. These proceedings include but are not limited to divorces, custody hearings, and adoptions. Laws that apply to each case individually must be identified and followed appropriately. A family law south jersey provides guidance for each of these proceedings.
Divorce Proceedings and Asset Division
Divorce proceedings define how a couple ends their marriage and divides their assets. The laws require the couple to reach an agreement that provides each party with an equal share of the marital estate. They also require the couple to make choices about child custody and child support arrangements. Couples who cannot reach an agreement must first attend mediation to settle their case. If they cannot settle through this practice, the court schedules a divorce trial.
Assigning a New Guardian
When a child is orphaned, the final wishes of their parents may identify a new guardian. In these cases, the county must assess the potential guardian and determine if they can fulfill the responsibilities of raising the child. This includes providing the child with a stable home, financial support, and offering the emotional support the child needs.
Annulling a Marriage
An annulment is achieved according to specific grounds identified by the state. Typically, they include but are not limited to a failure to acquire legal consent, the age of either spouse, impotent, fraud, or coercion. The petitioner must provide evidence to support their claim for the annulment. They must also file the petitioner before the couple has been married one year.
The Adoption Process
The adoption process may begin with the termination of the biological parent's rights. The process is completed with the consent of the biological parent or by the court. If the court terminates these rights, there must be a risk to the child present. An adoption hearing is scheduled to finalize the process.
In New Jersey, family law provides a legal avenue for families to manage issues that could arise. These issues could include the dissolution of a marriage, protecting a child at risk, or becoming the parents of an orphan. Families that need assistance under this area of law contact an attorney right now and schedule an appointment.


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Partnerships are essential for business organisations in any growth business and deliver great outcomes to customers. Spry Business Technology Solutions understand the value of business partnerships and supports your unique business needs to ensure we all benefit.
Our Partner Community is designed to provide varying types of business partners with access to our expertise and support across public, private and hybrid cloud platforms so that you can better serve your customers, build new revenue opportunities and jointly grow our businesses.
Spry can help you monetise managed services and consulting opportunities and increase profitability through our:
Unrivalled expertise that can help you build trust with your customers and complement your business offerings across public, private and hybrid solutions.
Delivering world-class support for infrastructure technologies, databases, and applications.
Contact us to register your details.


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Let's make a thread where people can post funny strings and comments found in code used for webOS.
I finally dumped out my tokens, and needed some hints on how to parse some values. Here's what I found in /sbin/trenchcoat (program that reads and writes the flash memory, and is the main driver when flashing a webOS device):
Interesting to note there isn't sudo on webOS.trenchcoat - used for flashing (storage, not body parts)
Need to run as root to modify filesystems. Use the sudo Luke.


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Upcoming Showsno upcoming shows listed
Past Shows
Matthew James Band
Label: Unibyte Productions
from Victoria BC
Contact DetailsEric or Jamie
250 544 8027
If you asked him, Matthew James would probably say he's a singer/songwriter. But that hardly does justice to the fact that, as well as writing exceptional and original songs which he sings with passion and finesse, he is an accomplished guitarist, producer and arranger.
Of course, that's a hard thing to say about yourself...and Matthew is the kind of person who hesitates to "blow his own horn".
The reality is, though, through a wealth of experience and real world education over the past several years, Matthew has shown himself to be a first class musician and songwriter, as well as an excellent performer. >From working as a writer and producer for Larry Norman (Solid Rock Records), to performing to a crowd of 30,000 at Creation Fest West, Matthew is ready to ...
In a way, words can do only a small amount, compared to letting the music speak for itself...and it does. Leaving audiences speechless everywhere, and radio broadcasters hungry for more, Matthew's music produces a powerful response in the listener.
Matthew is gifted with an elusive ability to capture a prism of emotion and turn it into a spectrum of sound and words that allow people to listen and hear themselves in it.
Terrible Terrible News: The Album
Matthew's latest album, the much-anticipated release of "Terrible Terrible News" is poised to be one of the best new releases of the year.
The album is a collaborative effort with producer Brandon Bee, who as a producer has rubbed shoulders with Lou Carteau, producer for Whitney Houston, Celine Dion, and Harry Connick Jr., and Tim Minor, who is known for his production work with Mariah Carey and Amy Grant.
Brandon is known for his intuitive grasp of today's contemporary sound, which he applied to his work with Switchfoot's debut albulm, and his abilities show through in flying colors on "Terrible Terrible News".
The album flows seamlessly from track to spectacular track, and miraculously, there is not a song on this album that is designed to "fill the space". Each bears the mark of true inspiration and precision songwriting.
Recently, Matthew was awarded "Band of the Year, 2004" at the Island Music Awards in Victoria, BC, where Matthew now resides. His album "Terrible, Terrible News" was the winner of the Q's New Music Lab from the Victoria radio station 100.3 The Q!. His song "I Like the Pane" has been highlighted as the track of the day at Garageband.com, after receiving very enthusiastic reviews. So watch out world, as Matthew is on a mission to make so much noise that even success will have to stop and take a look.
Current Lineup
|Matthew James
|Lead Vocals, Accoustic Guitar
|Mike Faulkner
|Electric rhythm guitar
|Jon Tanis
|Electric lead guitar
|Lee Macrea