text:
New functionalities & improvements
Cockpit Improvements
The Data Explorer and the Data Point Graph widget were improved.
- You can show alarms and events below the x-axis to correlate them with measurement data.
- A bar chart option was added to improve the visualization of measurements.
One additional widget was added:
- Info gauge: A Widget visualizing data points in the form of a gauge.
- One data point can be selected for the gauge, additionally multiple data points can be selected for labels shown on the left side.
Device Management Improvements
You can now manage OPC UA devices from Cumulocity, in a similar manner as Modbus or CAN devices.
- Define OPC UA data models in the Device Database:
- Create a connection to OPC/UA servers in the OPC/UA tab of the gateway.
Simulator improvements:
- A new simulator is available now in Cumulocity. The simulator can simulate various device types and the data values send by the device. It plays back data based on playlist concept. Additionally it simulates operation handling.
- An instruction in t can consist of a message, or a sleep step (do nothing for x seconds). Various messages are available by default: create measurements, events, alarm, update operation status, etc… The default messages are based in MQTT static templates. Additionally, custom messages can be defined using the SmartREST template editor.
The user can define the list of operations the device supports, select predefined device management operations or define custom operations.
In case the simulator itself runs into problems, you can find these problems in the "Alarms" tab.
- The original simulator functionality is deprecated and will be removed in the coming release. It is still available, but a warning has been added.
Administration Improvements
Developing new real-time analytics rules using the CEP (Complex event processing) engine is now simplified by improving the monitoring and debugging functionality: In order to monitor issues in event processing rules, two improvements are available:
- Under "Event processing", when opening a specific rule, the event log on the right highlights an error by showing it with red background.
- It is now easier, to see if there is a rule in our tenant with an error: When an error occurs, an alarm is created. If there is an active alarm related to an event processing rule issue, a message is displayed in the home page of the administration application:
Documentation improvements:
- German user's guides are available.
- The quality of pictures in the documentation was improved.
- The concept and user's guides were redacted.
- The guide for the new simulator is now available in the "Device Management" user's guide.
Bug fixes
The numbers after the hash (#) refer to Zendesk numbers.
[Cockpit] When Japanese characters are used in the device name, there is an incorrect character encoding in the e-mail sent from the "Alarm to e-mail" smart rule
[Cockpit] An error is shown each time when you add dashboard and widget alarm list to a new group
[Cockpit] Map Widget: Selecting a group without objects shows all devices on the map [#10847]
[Cockpit] Active alarms are not shown in the data point graph if they are from a long time ago
- Alarms overlapping with the current period of the graph are potentially not shown if they have been created a longer time ago.
[Cockpit] On alarm, execute operation, the operation is not filled in
- The operation textarea is not filled in with the chosen operation unless focus is set on the text area.
[Cockpit] Geofence smart rules were creating many unnecessary alarms. [#11403, #11485]
[Device Management] Bulk operations assigned to groups are not cleaned up after the group managed object has been deleted
[Device Management] In the location tab, altitude is missing, only longitude and latitude are shown
[Device Management] The device counter in the title under the "Sub-assets" tab is not working properly
[Tracking] Wrong tracking event is shown on the event list
- When an event with the wrong type is sent, the event is shown on the tracking event list.
Additional bugfixes:
- TFA code verification token is sent via SMS if users leave the application running in the browser tab. [#11178]
- The support user sees management tenant cep rules when logged to another tenant. [#11256]


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Spring Is the Best Time for a Kitchen Remodeling Project
Spring is nature's time for renewal. Birds are laying eggs. Trees and grasses are coming back to life. And the outside temperatures are finally returning to reasonable levels. Spring is also the best time to schedule your kitchen remodeling. If you have been planning all winter on updating your kitchen, bathroom, or another area of your house, now is the time to take action. Kitchen Remodeling Miami -- Weather Worries Here is South Florida, we don't have much of a winter. There's none o...Read More
Benefits of Building from the Ground Up
When you are shopping for a new home, you generally have three options: 1.) You can buy somebody's existing home, 2.) You can buy a new home already constructed by a builder, or 3.) You can build from the ground up. While they all have their benefits, only building from the ground up ensures you get exactly the home you want. New Construction Broward -- Buying an Existing Home When you buy a home that has already been built, whether it is one somebody has been living in or one that has ...Read More
Best Kitchen Remodeling Projects Start with a Vision
Homeowners considering a kitchen rehab project should stop, take a breath, and think about what they truly want before heading out to the home improvement store or shopping for new appliances. Approaching kitchen renovations piecemeal is a sure-fire way to end up with results that are ultimately unsatisfying and disappointing. A better approach is to come up with a unifying vision first and then work out the details from there. Kitchen Remodeling Miami -- Where to Find Inspiration The n...Read More
When It Comes to Plumbing, Call the Professionals
Okay, we get it. Most homeowners want to believe they have the skills to make minor home repairs on their own. But when it comes to plumbing, it's usually not a good idea to tackle "Do-It-Yourself" projects. That's because there's too much that can go wrong. And the consequences of messing up a plumbing project are ... well, let's just say they aren't pretty. Plumber Fort Lauderdale -- When to Call the Experts There's a reason why plumbers are always in such high demand are are so hi...Read More
Quick Fix Upgrades Are Often Disappointing
Homeowners who are tired of the way their kitchens look will often go on a shopping spree. But buying new appliances, a new dining table and chairs, or other new accouterments for your kitchen won't solve the underlying problem of an outdated, overused kitchen. Before you go into debt trying to buy your way out of the problem, consider upgrading your kitchen first. Kitchen Remodeling Miami -- Addressing the Real Issue No matter how much you spend on new appliances or the latest furni...Read More
Home Offices Increasing in Popularity
When most homeowners think of improvements to their houses, their first thought is renovating a kitchen or updating a bathroom. But an increasing number of people are adding home offices. There are a number of reason for the recent boom in home offices. The first is that more and more people are working from home either all or part of the time. Many businesses are discovering the financial benefits of allowing some of their workforce to work from home rather than making the trip into a cen...Read More
How to Pay for a Major Home Improvement Project
Renovating a bathroom, kitchen, or other room in your home will improve both the comfort and value of your property. It's usually a good investment that can significantly increase the resale value of your home. Home improvement projects come in all sizes. Minor repairs and upgrades -- such as new paint or replacing some or all of your kitchen appliances -- can often be quite affordable. Others, however, can cost substantial sums of money. Generally, the bigger and more complicated the upgr...Read More
How to Tell When You Need a Kitchen or Bath Renovation
Knowing when to renovate a bathroom or kitchen in your home isn't difficult. If you look at one of these rooms and are disappointed, unhappy, or frustrated with what you see, it's probably time to consider an update. Kitchens and bathrooms aren't meant to last forever. In fact, they usually take the most abuse because they are the most heavily trafficked room in any house. So if your kitchen or bathroom is worn, outdated, or in poor repair, it could be time to update. If it feels like you ...Read More
Kitchen or Bath? Why Not Renovate Both?
If you are considering renovations to your home, the two most common rooms to redo are the kitchen and the bathrooms. There are two reasons for this. First, these are the rooms everybody in the family uses practically every day. So it makes sense to update the most-used areas of your home. Second, most realtors will tell you that the kitchen and the bath are the "value rooms" of homes that are on the market. Buyers often make their decision whether to buy or not buy a home based on the way...Read More
How to Tell When You Need to Call a Plumber
The phone call to the plumber is never one anybody really likes making. But it is sometimes necessary. So how can you tell whether you can fix a problem with your sink, toilet, or drains, or when you need to call a professional plumber, such as the ones available at TGS Construction? Well, for one thing, if you tried to fix it yourself and it is still broken, it's probably time to call in the professionals. Another indicator is if the job is so complicated that you don't know where to begi...Read More

subset: commoncrawl


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Reid, Obama bound by necessity
Reid's and Obama's fates dovetail now more than ever.
Reid needs Obama to help him generate Democratic support in Nevada, where a recent poll showed more than half of registered voters have an unfavorable opinion of the senator. With Democrats' majority likely to shrink further after November, Obama needs Reid to remain in his position to push his agenda in Congress after November.
Plus, if Reid goes down in the Democratic losses expected this November, it would be a major blow to Obama's political credibility.
As leaders of a Democratic-controlled Washington, Reid and Obama have become targets for voter anger. Yet Axelrod stressed that Reid's race will ultimately be about Reid, not Obama.
"The president obviously has something to do with how the people feel about the president's party and the candidates who run for it, and obviously that's going to be one index by which this race runs, but ultimately his race will be about what Harry Reid means to Nevada," Axelrod said. "We can help at the margins, and the president will do anything that he can to help."
Obama was originally supposed to make the Vegas trip on his way home from Hawaii after the new year.
Anti-Washington sentiment has only gotten worse in the weeks since. And it is especially acute in Nevada, where the unemployment rate is the second highest in the country, behind Michigan, the foreclosure rate is the worst in the nation, and the public school system recently ranked last among the 50 states. Obama's numbers have consistently dropped in the state, complicating an effort to ride on his coattails.
"The Nevada electorate is just not real happy right now," said Eric Herzik, chairman of the political science department at the University of Nevada at Reno. "Reid is hoping that Obama will give that shot of charisma and excitement to his campaign, but this is a different Barack Obama than the one who drew very large, adoring crowds in the campaign, or even the Obama from just eight months ago."
Obama and Reid plan to cling to each other through the storm.
The two politicians will be by each other's side at three events in less than 24 hours. The first thing Obama will do after arriving in Las Vegas Thursday night is mingle with about 45 guests, including Reid, at a private home to raise around $1 million for the Democratic National Committee, a party official said.
Friday morning Reid will introduce Obama at a town hall meeting at a high school in Henderson, outside Las Vegas, where he'll talk about how the stimulus bill stopped the bleeding of the economy and of the need to move forward with the jobs bill. Obama will no doubt give Reid some public praise.


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SOLD OUTReynolds 2009 Pinot Noir
Featured in our Pinot Noir Wine of the Month Club
- Los Carneros
- Napa Valley AVA
- 90 Points — Beverage Testing Institute
- Gold Medal — Beverage Testing Institute
- Appellation
- Corotto Vineyard, Los Carneros region, Napa Valley
- Grapes
- 100% Pinot Noir
- Aged
- 25% new, 75% neutral French oak
- Cases Produced
- 1001
- Enjoy Until
- 2020
The Reynolds 2009 Los Carneros Pinot Noir was produced from the Corotto Vineyard in the cool-climate region of Los Carneros, which is south of Napa and Sonoma Counties. This classic Burgundian-style Pinot Noir showcases soft cranberry elements and mild earth-forward notes. Bright raspberry and pomegranate flavors on the palate are balanced by a hint of oak, a clean, smooth texture, and a uniquely smooth finish. Beverage Testing Institute calls the Reynolds 2009 Los Carneros Pinot Noir "A nice savory Pinot for the table."
About the Winery
Explore Wine VarietalsAbout the Wine Varietal
Explore RegionsAbout the Region
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As of 2019, women in Saudi Arabia must be informed via text message if their husbands have filed for divorce. more...
December 11 , 1946 : UNICEF was established. more...
Learn something new every day
More Info... by email
Flags have been utilized as a method of wordless communication for many years. There are several types of flagger jobs available. Flaggers help direct people and equipment in a variety of settings, including construction sites, boats, areas with lots of traffic and even major racing events.
The construction flagger is one of the most common types of flagger jobs because there are so many construction projects around the world. These are the men and women traditionally holding bright orange flags and handing the flow of traffic around a busy construction site. These flaggers utilize strong communication skills by talking to supervisors and coworkers on the radio for instruction. In addition, they also direct construction machinery such as cranes and bulldozers because they have limited lines of sight. This job usually does not require any special education, but many do need to attend flagger certification classes for safety.
Police flaggers are another popular type of flagger jobs. These usually are members of the police force who are trained in all aspects of law enforcement. The job usually revolves around moving pedestrians and traffic safely around a crime scene as an investigation takes place. Commonly, these flaggers are seen near automobile accidents and utilize police training to direct traffic in order to allow fellow officers, firefighters or ambulance workers to enter the area and perform various jobs unhindered.
Maritime flagging is one of the most common types of flagger jobs. In use for centuries, since before boats had radios, a series of multi-colored and multi-symboled flags help communication on the sea. Both military and civilian ships still use these methods because it often is difficult to know what radio frequency a nearby ship is using. This type of flagging job takes a great deal of training because there are many flags and movement patterns necessary to convey a message.
One of the more rare flagger jobs is found above race tracks around the world. The flagger communicates to race car drivers important messages during a race. Flags that tell the racers to begin, to slow down for an accident, to stop completely, to allow faster traffic to pass and that a race has ended are all necessary. From small dirt tracks to major stock car and open-wheel racing events, these flaggers are a necessary part of on-track safety. There are no educational requirements, but the flagger must know all of the rules of the association in which the race is held.
Post 4
I went out on a ship at sea with my uncle years ago, and I remember seeing many flags. I didn't know what any of them meant, and I still don't to this day.
I was young and went along just for the thrill of being out on the open water. The waves pushed us up and down, and I had great fun.
I'm sure that the signs guided him as far as which way to turn the ship and what areas to avoid. I just remember being very curious about the secret language of ship flags. I made up my own meanings for each one, and I'm sure they are way off track.
Post 3
Every day that my school was in session, a police flagger would arrive right beside the driveway every day at 3 p.m. He would make the traffic on the highway stop and wait for the buses to exit. This was partly a safety issue.
I drove my car to high school, and I had to wait for the buses to drive around the loop encircling the school before I could make my way out behind them. After the last bus got out onto the highway, the police flagger would make me stop so that regular traffic could have a turn to move. Teachers and students driving their own vehicles apparently can wait, while buses have a schedule to maintain.
Post 2
My cousin was able to get a construction flagger job not long after he got out of prison. His employer didn't do a background check, and even if he had, it probably wouldn't have mattered. My cousin had gone to prison for shoplifting, and I doubt that his employer would have cared.
He did have to take a safety class, but it only had one short session. The job was very basic. It provided him with much needed employment, and if he decided to get some other job in the future, he would have a good reference from this one.
Post 1
I have seen several police flaggers at various sites. I see them most often at traffic lights that have stopped working.
I live on a busy street with a traffic light located at roughly every mile. When one of these goes out, people generally know to treat it like a four-way stop, but there is so much traffic and risk of accidents that police flaggers are often deployed to the scene.
He will stand in the middle of the intersection and motion one direction of traffic to move. He will hold one hand out with the palm facing the traffic, signaling that they should remained in place for now, but they will be the next line to move.
One of our editors will review your suggestion and make changes if warranted. Note that depending on the number of suggestions we receive, this can take anywhere from a few hours to a few days. Thank you for helping to improve wiseGEEK!


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Dates: May 28 - June 30, 2014
Notable Items:
- This offer is only good until June 30, so take advantage while you can!
- During this offer, the special $50 starter kit will also be accompanied by $55 in free products; the regular $99 starter kit is also still available.
The Fine Print:
- This offer is only good for limited time, so take advantage of it right away!
- The $50 Starter Kit includes
- $55 worth of Stampin' Up! product (it must be more than $50, but not more than $55 before tax)
- Business pack which includes
- A box of annual catalogs
- A package of the current seasonal catalog
- Getting Started DVD
- Customer Order Forms
- Customer postcards
First Workshop Perks
- If you place your first workshop order of at least $150 within 30 days of her start date, you can:
- choose any stamp set from the 2014-2015 annual catalog
- receive 30% instant income on your first order and any eligible hostess benefits if you host your own event.
- jump into your new role as a demonstrator and start building up your stamping supplies.
Feel free to contact me via email or phone/text (two-zero-six)369-7099.Click Here for My Stampin' Up! Website! to Sign Up as a Demonstrator!
Click on Join the Fun, then Join the Fun again.
Remember there is NO SHIPPING charged on the Starter Kit!
Lower Cost + Complete Customization = The Stampin' Up! Opportunity is Better Than Ever!The new standard Starter Kit is here! Now, every new Stampin' Up! demonstrator can create a customized Starter Kit for just $99. This is just one of the ways Stampin' Up! is demonstrating the My Way philosophy of doing business-by making the Starter Kit completely customizable.
With the new, flexible Starter Kit, you can customize your creativity-your way. Each kit contains a business supplies pack (valued at $65), including a box of 8 Annual Catalogs. The choice is yours to put together a kit with any of our high-quality products. You can choose $125 worth of any traditional or digital supplies to create a kit valued at over $190 that still SHIPS FOR FREE!


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As of 2019, women in Saudi Arabia must be informed via text message if their husbands have filed for divorce. more...
December 11 , 1946 : UNICEF was established. more...
Learn something new every day
More Info... by email
When selecting a refrigeration course, take the time to evaluate your prior learning experience. Courses designed for licensed refrigeration mechanics are widely available from community and career colleges. These programs typically provide credit for prior learning, even if the learning occurred on the job. Refrigeration courses are available in two streams: general interest and career-oriented study.
A general interest refrigeration course may be applicable to a general facilities maintenance technician, maintenance mechanic, or someone in a related field. This type of course provides important information about how refrigeration works, simple maintenance, and the different design options. The cost for this type of course varies, but is typically between $450 and $600 US Dollars (USD).
The vast majority of refrigeration courses are offered as part of a heating, ventilation, and air conditioning (HVAC) professional program. This type of program is usually two to three years in length, and is required to become a licensed HVAC mechanic. Upon successful completion, candidates can find employment opportunities in facilities management, HVAC installation and service companies, or open their own HVAC repair shop.
If you are taking a refrigeration course toward a professional certification, make sure the course is appropriate. People who are taking a refrigeration course as part of a facilities technician program should confirm the course with his or her registrar. Although the facilities technician will not be required to maintain this type of system, a solid understanding of how it works is very useful when dealing with an HVAC mechanic. Correctly describing the issues, parts, and different aspects of the system will speed up diagnosis of the problem and may reduce time and cost of repairs.
Most professional refrigeration courses include the cost of specialized tools in the tuition fee. These tools are common to this type of equipment, but not used often in other areas. Recent developments in technology have allowed many schools to add computer simulation to their refrigeration courses. These programs offer students the unique opportunity to fine tune diagnostic skills without any physical risk. This type of tool also allows the instructors to better evaluate actual job performance, and provide correction and guidance where needed.
Refrigeration courses should be taught by a licensed HVAC master mechanic. As a skilled trade, working experience repairing and installing refrigeration equipment is more valuable than academic credentials. The more experience the instructor has, the greater the depth of knowledge he or she can draw upon to share in class. Anecdotal stories and real life examples are often the best way to share important knowledge.
Another option for refrigeration courses are vendor-specific training sessions provided when new equipment is installed. These courses are typically offered on site and are taught by an instructor or salesperson from the installation company. There is no accreditation associated with this type of course, but they provide valuable information required when maintaining or managing a large, complex refrigeration system.
One of our editors will review your suggestion and make changes if warranted. Note that depending on the number of suggestions we receive, this can take anywhere from a few hours to a few days. Thank you for helping to improve wiseGEEK!


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Lillian Todd Jones
Monday 1st October 2012
Citing her influences as not only musically-based, Lillian Todd-Jones references Dolly Parton ("emotions are your own, don't be afraid to write about them if they're true"), Marc Bolan ("just because it's true, doesn't mean it has to make sense"), Bob Dylan – but also Douglas Adams, Philip Pullman, and Rudyard Kipling ("even if it doesn't make sense, it makes a point)".
A born storyteller, Lillian evokes a childhood innocence met with a deep-set maturity presented through her lyrics. As a child she revelled in books and drawing (preferably unicorns, with Star Wars concept artist, Iain McCaig), and has always been fascinated by the beauty beholden by the arts. Her father led a performing arts troupe around festivals in the 90s and Lillian herself became a fire-dancer, a stilt-walker, a rope-climber and Thai food-eater.
For the remainder of 2012, Lillian Todd-Jones will continue to evolve her sound and build upon the writing process she is currently experiencing with Gordon Mills jr. (Ed Sheerhan, Newton Faulkner). Of this partnership, she says "it has been an amazing experience working with Gordon. When working together in his studio, the world seems to disappear, when it returns… there's a new song".


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E. Reitz Uniformwerke
Some documents related to the E.Reitz Uniformwerke
Legitimation card ( Arbeitsausweiss or Werkpas )
All employees working in one of the many factories of the E.Reitz Uniformwerke had to be in the possesion of their legitimation card or "Arbeitsausweis" in German "Werkpas" in Dutch.
On the left is the legitimation card of Eulalie Huys who worked at the E.Reitz factory in Gent. She had the employee number 138 and probably wore an armband with the same number. On the right is the legitimation card of Josée Jacobs, emloyee number 16 of werk II, which is the factory in Merksem. On the back of the card are stamps with the date until when the card is valid. And they are signed by the "Personalleiter". Nowadays we would call him the Human Resource Manager. For july and august 1944, this was Herr Ritter and for september 1944 it was Herr Richter. Of interest is to know that Antwerp was liberated on september 4th 1944. But the front line was the Albert Canal ! So merksem wasn't liberated untill a month later. Of course all work in the factory ceased as of that date. Although Josée's card remained valid for work untill the end of september...
Each factory that want's to do a lot of business, has to put itself on the market. The Reitz brothers already paid for advertisements in the "Uniformen Market" magazine in the early years of the war. At that time their uniform factory was still located in Wuppertal and the logo was still E. & W. Reitz - Uniformwerk.
The E & W Reitz - Uniformwerk logo in an edition of Waffenjournal
When Erich Reitz became the only manager of the factory, he changed the logo and he also paid for advertisements in the local press. On the right the logo of the E.Reitz uniformwerke is very prominent in this advertisement in DeVlag magazine 1943.
Erich Reitz was very concerned of his image and the propaganda value of his factory. One of the things he intended to do was to make the working conditions for his employees better of that of similar employees working for other factories in the Antwerp area. So it happened that during the night shift music was played for the workers, plants were put on the work floor and hot soup was available during lunch break. When an employee came to work on his anniversary, he or she received a propaganda booklet from the famous Hoffmann series. These booklets portrayed various aspects of Hitler, all of course in a very optimistic and propaganda like way. On the first page of such a booklet a dedication was attached, bearing the signature of Erich Reitz.
When someone married, the newly wed couple received a Dutch version of Mein Kamp, bearing a hand written dedication and an original signature of Erich Reitz himself.
A female stitcher working in the Reitz factory wearing her armband.


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why do you Write?
Every October 20th, the NCTE celebrates your Right To Write with a TweetUp. MC students, faculty, and staff are encouraged to participate by using the #WhyIWrite hashtag and share with the Twittersphere why you write. Last year, #WhyIWrite trended all day on Twitter with more than 60,000 tweets.
This year's National Day on Writing takes place Thursday, October 20. MC Writing faculty and the Writing Center are sponsoring two events: a letter writing project and a Twitter contest.
(1) Letters Home
Letter writing remains an important skill in our digital age.
Here's your chance to send a letter anywhere in the world, to whom will you write?
(2) Twitter Contest
Link-Up with the National Day on Writing!
1. George Orwell's original "Why I Write" statement in 1946.
2. Fifth-grade teacher, Katherine Sokolowski, blogs about "Why I Write."
3. Visit the NCTE's National Day on Writing website.
4. Watch a fun YouTube video offering reasons to write:
Video by Deanna Mascle, Writing instructor for the English Department at Morehead State University
Leave a Reply.
The Librarians of Mississippi College's Leland Speed Library
March 2018


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city of St. Petersburg on 3 days of guided tours in English. With economic prices we can offer
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We invite you to visit St. Petersburg in a unique way with us…
On our tours you will see the best of St. Petersburg. With our official guides of St. Petersburg
you will get to know the most emblematic of this city. St Petersburg has much to offer to English-speaking tourists,
we invite you to explore together this nice city.
Includes: Private transportation, admission to the museums no waiting, permits for photos and videos.
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Required Mortgage Documents
NO ONE likes to do paperwork or compile documents.
But, if you want to secure a mortgage and own your own home, then a little paperwork will be necessary.
Your Mortgage broker and Lender will require numerous documents in order for your mortgage to be approved. Getting these documents together may seem overwhelming, because your ability to borrow money relies upon what those documents say about your financial well-being.
But, once you start running down the easy checklist we made, you'll find that it won't be so bad.
Below we've compiled a collection of many of the required mortgage documents you'll need to secure a home loan.
1. Proof of Income for Salaried or Hourly Workers
Mortgage Lenders need to see proof of income in order to feel comfortable with the risk of loaning you money.
Your income is essentially the primary deciding factor in whether or not you'll get a mortgage and how much money you can borrow once you're approved. Thus, providing all the forms of income you receive is vital to getting your application approved.
Of course, people receive income in a variety of different ways, which means you'll have to prove your income based on how you make money.
For those who have salaried or hourly positions, your proof of income will usually consist of at least one of the following:
- T4 tax forms (your employer will provide this to you)
- Pay stubs from at least the last two months
- A signed letter from your employer (usually on company letterhead)
These documents confirm a number of things: your salary or hourly wage, your job title, the length of time you've been working in your position, and possibly other details depending on the institution.
Been at your job for less than 2 years?
You may also be required to provide confirmation of previous employment.
Proof of Income for the Self-Employed and Everyone Else
What happens for those who work off of commissions or who are self-employed?
Obviously, you won't just get a T4 tax form from your employer, because, in most cases, you are your own employer. In those instances, you'll have to obtain different documents to prove your income.
If you're a commissioned or freelance employee, you'll usually need one or more of the following:
- T4s from employers that have paid you and the terms of the commission (if available)
- Proof of income from the past two years (via bank statements or accountant statements)
- Notice of Assessment from the past two years from the Canada Revenue Agency
If all else fails, a Notice of Assessment from the Canada Revenue Agency is your best bet. Those with a sole proprietorship will likely also need a Notice of Assessment from the past two years or T1 General tax forms. In either case, some lenders may require you to provide audited financial statements or such statements prepared by an accountant.
Remember, the better your income looks on paper the better chance you will have at getting approved.
There are also plenty of other sources of income or employment types that you should report to your lender These include:
- Seasonal work
- Part-time work (particularly if you have two part-time jobs or work an extra part-time job on top of your full-time job)
- Tips
- Rental income
- Alimony
- Child assistance or income from child tax benefit
- Child or spousal support
- Universal child care benefit
- Foster care income
- Disability
- Pensions
This isn't an exhaustive list, but you can get a good idea of the types of income you will need to divulge to your lender. Of course, we can help you figure out exactly what sources of income you'll need to prove and what documents you'll need to do so.
Information on Debts and Liabilities
This is the category of required mortgage documents that many people try to avoid. The more debts you have, the less likely you'll get approved for a loan in the desired loan amount. At the same time, it's never a good idea to withhold debt information from your lender because they will find out anyway when they look at your credit history.
If you're debt-free, then you don't have to worry about it obviously. But, some debts that you should inform your lender of include:
- Credit card balances and limits
- Car leases and loans
- Lines of credit
- Student loans
- Spousal or child support fees
- Personal loans
- Other loans on properties
Once you have that out of the way, you can move on to assembling the documents for your down payment.
Down Payment Verification Documents
Lenders need to know that their borrowers have down payment funds ready and waiting. There are many sources for securing a down payment but the real goal here is to let the lender know that you have the cash in hand.
There are really four main ways to make a down payment:
- Savings
- Investments (e.g. RRSP, GIC, stocks, bonds, etc.)
- Gifts
- Other credit sources (e.g. line of credit, personal loan, etc.)
To verify your down payment via savings, investments, or other credit sources, you'll usually just need to provide bank or account statements (with your name and account number on them) from at least the last three months.
If you are receiving your down payment as a gift (such as from a family member or friend), then you'll need what's known as a "Gift Letter." The letter will verify that the gift requires no repayment. You will also, of course, need documentation to show that the gifted money is in your account.
Property Documents and Other Information
After you've proved your income, made your debts known, and verified your down payment, you'll need to come up with a few other documents usually relating to the property itself.
These include:
- A copy of the sales contract
- A copy of the MLS listing and description
- Signed mortgage agreement
- Address of the property
- All relevant contact information for your lawyer, builder, and realtor
- For condo buyers, a condominium declaration, fees, budget, and regulations
- Certificate for the well or septic tank (usually only on rural properties)
You'll also need to provide your up-to-date banking information including account numbers, branch info, transit numbers, balances, and contact information.
Does this seem like A LOT of work?
You can bypass a lot of this at purchase time by opting for a mortgage pre-approval.
In any event, there's clearly a lot of information that you need to get together in order to make your dream home your own. We can help guide you along the way so you never have to worry about whether you have all the required mortgage documents or not. We'll be sure that you know what you need and you know how to get it.
What you should do now
If you would like us to negotiate the lowest rate for your mortgage, apply for a quick approval.
If you are serious about learning everything involved when buying a home, visit our "Homebuyer Zone " page.
If you have questions, contact us for more information.


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Many patients want alternative health care, but getting insurance coverage can be tough. Here's what you need to know to get the most out of your health insurance.
Complementary and alternative medicine (CAM) has become more common in recent years. Naturopathic doctors (NDs) offer treatments that medical doctors may not consider. But getting coverage for your non-traditional treatment is a tough task. Why? Because many types of CAM don't meet strict standards set forth by insurance companies.
The National Center for Complementary and Integrative Health (NCCIH) says that 38 percent of US adults use CAM. If you're one of those people, you need to get the most out of your health insurance. We can help you with that.
CAM is an umbrella term for non-conventional medical care. Antibiotics, vaccines, and surgery are modern medicine. Acupuncture, massage therapy, and naturopathy are alternative care.
"The biggest difference between conventional and naturopathic medicine is the basic philosophy," says Heather Flood. She's an ND and resident at Bastyr.
"Naturopathic medicine is about treating the whole person, using lifestyle modifications, believing in our ability to heal, and most importantly, finding the cause for the disease" says Flood. "In conventional medicine, we use palliative treatments, and in some cases that's totally appropriate. But it's not the only option."
Some NDs use only alternative treatments. Others combine naturopathic care with standard medicine. Alternative medicine has many names:
In 2007, the most recent available, Americans spent $33.9 billion out-of-pocket on alternative care. This accounted for over 11 percent of all personal expenses on healthcare. That's a lot.
If you want alternative treatment, do your research to get the best possible care and cost. The biggest challenge with alternative care is getting it covered.
The short answer is maybe. The Affordable Care Act (ACA), or Obamacare, says insurers can't discriminate against licensed health care providers. This includes alternative care providers. However, Obamacare doesn't require insurers to cover that care. Insurers can limit coverage for experimental or unnecessary care.
And many providers do that -- especially with things like music therapy and aromatherapy. Insurers balk at covering treatment that isn't backed by science. Most alternative care isn't backed by science.
The most insured alternative care is chiropractic and acupuncture. But coverage varies depending on your type of plan.
Insurers require that you prove chiropractic care is necessary. For example, Medicare might cover 80 percent of the cost of a chiropractic visit. But only if manipulation of the spine is necessary to correct a subluxation.
That's unfortunate for patients seeking CAM. "What happens when we don't take insurance is we remove a large part of the population that needs help," says Dr. Flood. "In the states that don't have licensure, it's kind of like the wild, wild west."
If you are considering CAM, study your policy. It should outline what kind of treatment your insurance covers.
Most insurance plans only cover 'medically necessary' treatment. Alternative care may not qualify. Some plans exclude naturopaths in their 'definition of a physician.'
If you read your policy and aren't sure what's covered, call your insurer. Ask these questions:
If your insurance doesn't cover a treatment you need, find one that does. You can get quotes on different health insurance plans with QuoteWizard.
Sometimes, it's possible to convince your insurer to cover a certain treatment. Have your doctor write a prescription that details your condition and treatment. Some carriers approve care they don't usually cover, if it's doctor prescribed.
You might persuade your insurer to cover a treatment if it saves them money in the long run. Pretend you have back pain, and your insurer won't cover massages or chiropractor visits. If a masseuse or chiropractor is cheaper than surgery and medication, you may have a case for coverage.
If your treatment isn't insured, you may have to pay out of pocket. Ask your doctor for a cash rate. Some alternative care providers have discounts or scaled pricing for patients paying out of pocket.
'Experimental' or 'medically unnecessary' treatments aren't covered by Medicare. You need to convince Medicare that alternative care is vital to your health. Since most alternative care isn't backed by science, it's not easy. Medicare offers some coverage for chiropractic care or occupational, speech, and physical therapies.
Using a health savings account (HSA) or flexible spending arrangement (FSA) is a good option to save money on CAM. Contributions to an HSA are tax-deductible, and can be used on alternative care including:
An FSA allows you to save tax-free money for health care expenses. HSA and FSAs are common with high-deductible plans. You may need a letter of medical necessity from a doctor to cover CAM with an HSA or FSA.
Complementary and alternative medicine (CAM) is a broad term, so many treatments qualify as alternative care:
Insurance companies may cover massages if physical therapy and medication hasn't helped. About 17 percent of large insurance firms cover massage therapy.
91 percent of big insurance companies cover prescribed chiropractic care. Most cover between 15 to 25 prescribed visits with a $20 to $30 copay.
Treatments range between $50 and $150 per session. Only 32 percent of big insurance firms cover acupuncture. Those that do usually limit you to a max of about 20 visits annually.
Most insurers don't cover biofeedback. The few that do, require a documented condition like migraines or fibromyalgia. Biofeedback sessions cost between $75 and $200. Specific plans with biofeedback coverage do exist.
NDs have licensure in 19 states. Insurers are more likely to cover a licensed naturopath. Initial visits cost between $150 to $300.
Homeopathy is only covered by 11 percent of major insurers. Expect to pay for most homeopathic remedies out of pocket.
Insurers require physician authorization to cover hypnosis. Even then, don't expect your insurance to cover the entire cost. You may have to pay for at least 30 to 50 percent of the cost to see a hypnotist.
There are many other examples of complementary alternative care. It's rare to find an insurance plan that covers these treatments:
Getting healthcare from a licensed professional is crucial for two reasons.
First, you're more likely to get coverage with a licensed ND.
Second, licensed NDs have a naturopathic education and licensing exam. Going to a licensed ND is the best way to ensure you're seeing an expert. Unlicensed naturopaths can make fatal mistakes.
Forty-two states have professional associations for naturopathy. However, that doesn't mean they're licensed. NDs are only licensed in these states and territories:
Licensed NDs will have attended one of these six accredited institutions:
If you're unsure if your doctor is licensed, call and ask about their licensure.
Patients face a shortage of doctors, and it will only get worse. The Association of American Medical Colleges reports that by the year 2025, the need for physicians will have grown by 17 percent. Demand will exceed supply by up to 94,700 doctors.
That's one reason for health insurers to encourage policyholders to see NDs. They can fill the need for primary care providers.
"We have a responsibility to encourage everyone having access to primary care," says Kasra Pournadeali. He's an ND and president of the American Association of Naturopathic Physicians. "With the local, state, and federal shortages we have on primary care physicians, it only makes sense that all physician-level trained providers should be able to administer medical services."
Dr. Flood says NDs train as primary care providers. This makes them valuable when the demand for doctors outweighs the supply.
Medical doctors spend their first two years learning core subjects. In their third and fourth years they rotate through potential specialties. Students then choose an area of focus and spend three to five years perfecting it in residency.
Primary care, practiced as family or general medicine, isn't a popular choice for residency. Hence, the lack of primary care doctors and impending shortage.
Licensed NDs attend a four-year program at a school like Seattle's Bastyr University. Their first two years focus on basic medical knowledge and alternative medical therapies. Courses include anatomy, physiology, and biochemistry as well as homeopathy, Chinese medicine, and hydrotherapy.
The third and fourth years are more hands on. Students work with patients and learn to conduct physical exams.
Some naturopaths focus on fields like oncology or women's health. But they pursue these areas only after graduation. "There are no specialties in naturopathy," says Dr. Flood. "The whole focus of the degree is on primary care. Students step out the door with primary care and then they can narrow and train."
"We try and spend enough time with a person so that we can tease out the details of a patient's history," says Dr. Pournadeali. "A new patient appointment is an hour. Return patient appointments are typically a half hour. We don't double-book patients. We try to be completely focused on the person sitting across from us."
Naturopathy is a contentious practice. Critics argue that naturopathy isn't backed by science and has no benefits beyond placebo.
They also question the extent of educational standards and licensure requirements for NDs. Many naturopathic treatments are not FDA approved. Some NDs oppose traditional medicines such as vaccines.
"Naturopaths are not qualified to provide medical care, despite insisting they are trained in a manner that makes them medically competent," says Britt Marie Hermes. She is a former naturopath turned vocal critic of alternative medicine.
Hermes is the author of Naturopathic Diaries, a watchdog blog focused on naturopathy. "Naturopaths use a variety of disproved, experimental, and pseudoscientific methods in their practices, which have been known to cause harm and wasteful spending," she says.
There are cases where a naturopath's patient has died due to a lack of traditional medical care. When considering naturopathy, experts suggest you do so together with standard care. You should be aware of the risks that can be associated with naturopaths.
"It is essential for patients to understand that naturopaths do not attend medical school and that the naturopathic schooling system operates against the scientific consensus" says Britt. "Naturopathic training is not equivalent to medical training. Despite what they advertise to the public, naturopaths are not primary care providers. Naturopaths receive far less clinical training than PCPs in terms of quantity and quality."
A: Naturopathic care combines traditional and modern knowledge of medicine. Most NDs draw from many schools of thought to treat people. This gives them a variety of disciplines to treat patients holistically. They may offer treatment options that standard medical doctors won't.
A: Some insurers cover naturopathy and some don't. The best way to find out if you're covered is to review your policy. If it's not clear, call your insurance company and ask what is and isn't covered. You may have to convince them that your alternative care is necessary.
Insurers are much more likely to cover licensed NDs. Remember that when looking for alternative care.
A: Everyone has different medical needs. Whether or not a naturopath is a good fit depends on what kind of care you're seeking. People choose naturopathic care for many reasons:
However, licensed NDs might not be available where you live. NDs aren't licensed in every state, which can impact the quality of their care. Also, naturopathy is not free of controversy. Do your research on prospective NDs before making an appointment.
A: If your insurance doesn't cover alternative care, consider switching providers. Why pay for health insurance if you can't get the care that you need? You can easily get quotes for a new health insurance plan through QuoteWizard
While searching for insurers, make sure they'll cover your alternative care. Shopping around will help you find insurers that are open to alternative healthcare. You can also find lower rates by comparing quotes.
A: Review your policy. If you're still unsure, contact your insurer. Ask these questions:
A: Naturopaths believe that disease can be treated without modern medicine. They stress a natural and holistic approach to healing. They search for the cause of the disease, use lifestyle modifications, and prescribe natural remedies.
Some naturopaths believe that MDs focus more on palliative care and treating the symptoms of illness. Others use science-based medical practices alongside their holistic approach. Each naturopath is different.
A: No. 19 states plus the District of Columbia, Puerto Rico, and the US Virgin Islands currently license NDs. However, licensure isn't required. In some states unlicensed NDs can still practice as long as they disclose their lack of licensure to patients.
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.


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For those who have seen The Sway Machinery in action, little explanation is needed. The band's combination of rhythmic power and potent folklore takes no prisoners. On stage the energy of submerged worlds is torn out into the light of day. And indeed, the historical tradition of Cantorial music, which is the focus of the band's work, is very much a lost world. The music of The Sway Machinery invites the listener to become like children wandering in the forest, discovering something mythic and wonderful.
The band boasts an unusually accomplished line-up of musicians, featuring guitarist Jeremiah Lockwood formerly of Balkan Beat Box, drummer John Bollinger of Barbez, bass guitarist Nikhil Yerawadekar of Antibalas, and the trumpet and tenor sax horn section, Jordan McLean and Stuart Bogie, who have made their unique voices heard with artists ranging from TV on the Radio, to the much loved Broadway production of Fela! This powerful combination of musical personalities yields an unassailable force of excitement.
The Sway Machinery began its work in 2006, a product of a long collaboration between Jeremiah Lockwood and Israeli percussionist Tomer Tzur, joined by a battery of heavy hitting horn players. In 2007, Tomer moved back to Israel, and the band was joined by Brian Chase, one of the best known and loved drummers in the underground rock music scene, who played with the band until 2009. During its initial years and on all recordings to date, virtuoso bass saxophonist Colin Stetson, of Arcade Fire and Tom Waits's band, was a featured and powerful presence. The band continues to expand and contract, including in its extended family saxophonist Matt Bauder, violinist Sarah Neufeld, trumpeter Kenny Warren and sousaphonist John Altieri.
In September 2007, the band premiered Hidden Melodies Revealed, a secret celebration of Rosh HaShana (the Jewish new year) at Angel Orensanz Foundation. This multi-media concert celebrated the power of the Cantorial music tradition in an event that blurred the line between rock show and ritual. In 2009 the band brought this unique concept to Los Angeles and San Francisco, playing to enthusiastic standing room only crowds.
The band's debut full-length album, also entitled HIDDEN MELODIES REVEALED, was released on JDub Records in 2009 to critical acclaim.
In January of 2010, The Sway Machinery travelled to Mali to perform at the legendary Festival of the Desert. While in Africa, the group recorded a new album featuring collaborations with luminaries of Malian music, including Vieux Farka Toure and Khaira Arby. The album that resulted from this remarkable intersection of worlds is called The House of Friendly Ghosts, and came out on JDub in March of 2011. The band has toured nationally and in Europe in support of the album, including numerous appearances with Khaira Arby.
courtesy of The Sway Machinery


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Girl with dove by Charles Blackman (1964). This is one of my favourite ... things. I'm resuming my career as Blog Writer purely so that I can post this picture, as it's the first time I've actually been able to find it online. It appears on various record covers.
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5 signs your dog needs extra support from YuMEGA Boost
- Do your dog's nails tend to split?
- Does their coat look out of condition?
- Is your dog moulting excessively?
- Is their skin dry or flaky?
- Is your pet suffering dog hair loss?
These are all signs that your dog could do with a bit of extra help to promote rapid hair growth and stronger nails. YuMEGA Boost has been specially formulated to help with resolve these issues.
How does YuMEGA Boost help get your dog's coat and nails back to full strength?
In a nutshell, YuMEGA Boost provides your dog with vital nutrients to help reduce dog hair loss and strengthen their nails.
Here is how YuMEGA Boost helps more specifically…
How YuMEGA Boost works together with YuMEGA Show Dog
You can use YuMEGA Boost in combination with YuMEGA Show Dog to give your dog perfect coat and encourage rapid recovery from excessive dog moulting or hair loss back to full show condition.
The table below shows how we've developed these premium supplements to work in harmony, together providing a winning combination for show dogs of all breeds.
|YuMEGA Show Dog
|YuMEGA Boost
|Improves condition and beauty; encourages growth.
|Ensures rapid coat growth and recovery from excessive dog moulting.
|Nourishes soft, supple skin.
|Improves and maintains skin health.
|Provides vital nutrients to support eye health.
|Supports nail growth and strength.
Who else has YuMEGA Boost helped?
We're really proud of YuMEGA Boost and the difference it makes to dogs (and their owners). If you'd like to know how this premium dog skin, coat and nail supplement helps, why not browse our review section?
Simply add the recommended amount to your dog's food each day, based on their weight.
Using YuMEGA Boost For The First Time?
It's important to give your dog time to get used to new things you introduce into their diet, so try using a small amount to begin with, before moving up to the recommended amount for your dog.
- Biotin
- Lecithin
- Vitamin C
- Vitamin E
- Zinc
Got a question?
We love talking to people about their pets, and helping where we can. If you've got any questions about YuMEGA Boost, please do call us.
We're here Monday to Friday, 9am-5pm, on 01462 416866 – or email firstname.lastname@example.com – we'll try to get back to you within a working day.


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Our Thinking / Voice on Growth /
HP Wealth Management (S) Pte Ltd (HPWM) is an independent wealth management/multi-family office founded in Singapore in 2009 that provides independent advice and tailor-made investment management services to high-net-worth individuals and families. The firm needed top-tier managers for its growing portfolio of alternatives.
"We faced the problem of not having the expertise to do manager selection and undertake investment and operational due diligence," says HPWN Managing Partner and Founder Urs Brutsch.
The situation
HPWN wanted:
- Access to top managers: HPWN was too small to get attention from fund managers.
- Transparency around risk management: The firm needed to be comfortable delegating its clients' money to a firm that shared its philosophy around risk management.
"[Delegating to mercer] is a very efficient way to get exposure to top managers you can't access on a standalone basis. It is very comforting to mow that Mercer has it all under control."
Mercer Delegated Investment Solution
After making sure the client was comfortable with Mercer's process, research coverage and capabilities, the Delegated Investment team identified three key steps:
- Understand the client's risk profile and long-term objectives
- Take on all manager selection, due diligence, and allocation
- Identify funds in the hedge fund solution that client was invested in
The Result
Mercer partnered with HPWN to take on all investment responsibilities and fiduciary risk.


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I am educated as an industrial designer with an emphasis on how we interact with our products and devices. After graduation I worked as an interaction designer for a while. Therefore I am able to bridge interaction design, industrial design and engineering/development. Currently I am helping companies to design interactive products as well as initiating my own projects as a freelancer. Besides this I am a member of Chroma Interactive; a collective of 5 designers where we strive to develop highly interactive installations that put a smile on your face.
Products are becoming more and more complex and connected. The design of new products is not anymore about either industrial design or interaction design. Industrial design is no longer limited to the enclosure of a device as the product can be an interface as well. Interaction design is no longer limited to a screen, for instance smartphone input goes beyond the (multi)touch display as they are sensor-loaded and very aware of their (physical) context.
In this complex world the focus shifts to the design of experiences. Therefore it is crucial to be able to prototype experiences. Due to extensive prototyping skills I am able to quickly come up with an experience early on in the design process. The insights an experience prototype gives are very valuable and the process can build upon those experiences.
Jasper Dekker
t. +31 6 24273037


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Harmony Kids offers a range of high-quality day care program at our Hamden, Connecticut locations. From infant daycare to preschool programs, your child will begin learning at an early age with the guidance of attentive and compassionate teachers.
Registration Fees:
- $50 One Time Registration Fee on Sign – Up
- $25 One Time Activity Fee on Sign – Up


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About the only way is to telnet to the mail server on port 110 and log in to the mailbox. Then type list and press enter. Find the one with the large size and get the number before the size. Type dele ? where ? is the number of the message and press enter. This will delete the message from the mail server.
A 50k message shouldn't take more than a few seconds to download, unless you have a very slow network connection.
This does not answer the question. See the reply by drummerlad
Register Hereor login if you are already a member


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Cyprus's now-certain default
Many congratulations to Stephen Fidler, who has managed to get some actual news in Davos: EU economics commissioner Olli Rehn went on the record telling him that Cyprus is going to have to restructure its debt — just two weeks after ruling such a thing out.
That might come as little surprise, given that Cypriot banks were loaded up to the gills with Greek debt, and Greek debt suffered a 70% haircut. Cyprus is tiny, and could never afford the €17 billion needed to bail out the banks and the government — especially since that would bring the country's debt load up to more than 140% of GDP.
Still, after the EU forced Greece to default, it drew a line in the sand: no more sovereign defaults, it said, since Greece was "unique and exceptional". So this does go to show that you can't really trust Europe's promises. What's more, Cyprus's now-certain restructuring is going to be significantly messier than Greece's was.
Greece's debt restructuring was essentially unstoppable for one main reason: most of its debt was issued under domestic law, rather than foreign law. A tweak to domestic law, and suddenly the vast majority of Greece's creditors were bailed in to any deal, whether they voted for it or not. Cyprus, in contrast, doesn't have that luxury: its bonds are mostly issued under foreign law. And that means any restructuring is going to be much more difficult.
Lee Buchheit and Mitu Gulati have a potential solution to that problem, which involves amending the treaty governing the European Stability Mechanism. But the other big problem in Cyprus will still loom: the question of the country's bank deposits.
In a country like Cyprus (or Iceland, or Switzerland), where the banking sector is many multiples of national GDP, there's very little distinction between rescuing the banks and rescuing the country. And if the asset side of the banks' balance sheet is full of Greek sovereign debt, the liability side is equally dodgy: Cyprus is a notorious center of dodgy offshore banking, especially for Russians. If Cyprus is going to restructure its liabilities, it's going to have to face one huge question: will those restructured liabilities include Russian and other foreign deposits?
If there's any hint that Cyprus might force foreign depositors to take some kind of haircut, of course, there will be a massive run for the exits, and Cyprus's current solvency problem will become a much more serious and immediate liquidity problem. The last thing that Cyprus or any other country needs is a bank run, which will leave the national balance sheet in the classic pinch where "on the left, nothing's right, and on the right, nothing's left". What's more, in many ways the precedent of forcing depositors to take a haircut would be even more damaging than the precedent of imposing a haircut on Greek bondholders: at that point there would be really no reason at all to have deposits in any Mediterranean country.
That said, foreign deposits in Cyprus amount to some €30 billion: the opportunity cost of protecting them in full, while imposing a substantial haircut on Cyprus's bonded creditors, would be huge.
So even if Europe has made its first big decision — to force Cyprus to default — it still faces many more. Should it amend the ESM treaty to make any restructuring easier? Should it impose a haircut on Cyprus's uninsured depositors? And how can it structure the process to minimize the chances of a messy bank run, default, and possibly even exit from the euro? It's easy to dismiss Cyprus as too small to worry about. But it's still an important sovereign state. And if the EU missteps on Cyprus, that would bode very ill for any similar problems in bigger eurozone countries in the future.


text: Snapchat just made it much easier to navigate the app and find friends, groups, Discover publishers and 'Our Stories' with a universal search bar that's always accessible at the top of the app. The search bar lets you dig out of Snapchat the best content and conversations. For brands looking to make the most of their content published to the addition this offers a better way for it to be found and amplified.


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Northwest Indiana, Southwest Michigan, Valparaiso Indiana, Northern Indiana Wedding-Engagement Photographer
First engagement session of the year!
We had SO much fun walking around our alma mater's campus in Valparaiso,View full post »
Bookworms to the core, Liz and Derek have always enjoyed spending time together in bookstores, whether it be inView full post »
It's about TIME I post this! Considering their wedding was this month! Woops! :)
Country to the core, these twoView full post »
It was a chilly fall evening in Valparaiso, IN, but it didn't stop Rebecca and Phil from having a cuddly eveningView full post »
These two met here at Valparaiso University and bonded over their love of literature, theology, and this library! TheirView full post »
We had to reschedule this engagement session a few times because of cold fall rain, but it STILL rained. Finally, theseView full post »
© 2015 Abbey Grim Photography|ProPhoto5 Blog


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Keanu Reeves
In the early summer of 2004, I met Keanu Reeves at Le Clafoutis, a Sunset Strip restaurant, and chatted with him about perhaps doing a portrait for his fortieth birthday in September 2004. He said his schedule of filming would not allow him to sit, so I let go of the idea for a while. But subsequently, I decided to do the painting, based on my memory of our interaction that Sunday morning, augmented by photos from the Internet and video from recent films. The painting was done, not for commercial purposes, but with the idea of making a gift of the portrait to him.
When I finished the painting, I contacted an acquaintance at Creative Artists Agency in August 2004 and was informed that CAA would gladly facilitate the gift and forward the portrait to Mr. Reeves. As I was instructed, I suitably boxed the painting and delivered it to CAA on August 26, 2004. A few days later and again in November 2004, I was informed that the painting had been sent on to Mr. Reeves within a day or two of its delivery to CAA. Thereafter, I reasonably assumed that my work had been received by Mr. Reeves, though I had received no acknowledgment from him. "Oh well, such is life."
In 2006, however, I encountered Mr. Reeves again outside Le Clafoutis. I reminded him of our earlier conversation and inquired if he had received the painting. Mr. Reeves replied that he had not. Indeed, he seemed to have no knowledge of the painting whatsoever. Perhaps he assumed I was up to something, but he was polite and definite that he knew nothing of it.
Once again, I contacted CAA and was assured the painting had been sent to him. Obviously, someone was lying. I was unable to forget the look on Mr. Reeves' face when I asked him about the painting. His puzzlement was so genuine that I knew in my gut he had not received it. Understandably, I was unhappy that the valuable work of art I created as a gift for Mr. Reeves had apparently disappeared, so I decided to look into it further.
My able and persistent attorney sent several letters to CAA that went unanswered. Finally he threatened to demand from their general counsel an accounting in court. Miraculously the missing portrait surfaced within days. "We have located the painting." Long story short, I found that I had been misled, and the painting had never left CAA. It even moved with them from Wilshire Boulevard to their new signature headquarters in Century City. Someone there really liked it.
I have retrieved the painting from its kidnappers. Perhaps I will yet have the chance to give it to Mr. Reeves.
Posted by Louis Briel / Portrait Painter at 10:39 AM 9 comments
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text: In a location synonymous with great food, high fashion and the good life be quick to secure this affordable home and enjoy the lifestyle that comes with it. Behind a brick facade you find 2 spacious bedrooms both with built in robes served by a central bathroom, European laundry, open plan kitchen, generous living room with gas heater leading to low maintenance courtyard. Off Street parking concludes a compelling address literally around the corner from all the attractions of Bridport Street, Victoria Avenue and St Vincent's Gardens. Opens are subject to change without notice and should be checked the evening prior.


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Ceramic Focus
Ceramic Focus is a leading magazine in India focusing mainly on Ceramic Industry. They are considered as the business guide by the industry professionals. These magazines provide all the information pertaining to Indian ceramic sector, products and services. They give insight into the developments, technological advancements and innovations in the ceramic segment. The magazines also share views and reviews of the industry experts and acquaint us with the who's who of the ceramic industry.
Being leading publications, with a vast distribution network and with the latest information about the ceramic industry, we provide you a platform to reach out to your target audience. Grab the opportunity to spread out your reach and enhance your business with us!!!


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The subject of energy seems to be being talked about nonstop at the moment – from attempts to rein in suppliers to the risk of the Grid reaching capacity to, of course, the rising cost of the stuff.
We have thrown our two penn'orth into the debate by way of our first Building Energy Question Time (see RAC January issue). It was a fascinating discussion which had in about equal parts good news for the industry, depressing news for the industry and challenges for us to rise to.
As is traditional, here's the bad news first: there is a clear sense that much of the regulation surrounding energy isn't working, for either the supply chain or for customers. At the Question Time, panellist after panellist talked about regulations that were missing the mark, whether it be Green Deal, which has expensive interest rates, deterring take-up; Part L, which has dropped the consequential improvements element so crucial to keeping heat in a building; or Energy Performance Certificates, and the woeful take-up of the air conditioning inspections – the mandatory inspections remember – which were supposed to help building owners improve energy efficiency.
However, the good news is that the cooling industry can play a major role in improving building energy. Former Cibse president Andy Ford painted a particularly compelling picture of using ground source heat pumps to manage heating and cooling across a year, to the extent of linking buildings that have a heat need with those that have cooling. As he wryly noted, this approach 'introduces the idea that cooling is actually good – not wicked as many green people seem to think'. I hope Ecobuild and its speakers have taken note.
The main challenge is to galvanise our industry to take on these opportunities, and to shout louder than some of the other noisy lobby groups to convince government we have some of the solutions to reducing buildings energy. We will be returning in 2014 with another Buildings Energy debate, so watch this space.
The other thing that a lot of people are talking about (still) is the fallout from the demise of WR Refrigeration and what the industry might be able to learn from it. There has been reaction from across the industry to the opinions of Kelvin Lord in last month's issue, and we carry some of the responses, as well as a counterpoint from Thermacom's Trevor Dann in the January issue.
One of the overarching themes is that the retail contractors' margins are becoming too low to be sustainable. Doing something about this is of course the big challenge – it has been suggested the only reason retailers get away with consistently driving down prices is because no one is standing up to them. But it isn't quite as simple as that when the buying team across the desk holds the power over 30 per cent of your business. Or more.
What the industry doesn't need is for the WR debate to increase tension between contractors and customers. Because now, perhaps more than any other time for decades, the supply chain needs to pull together to meet the demands of a reduced emissions, reduced energy future.
Readers' comments (2)
Andrew, you (and Andy Ford) are right in that cooling has a key role in building energy consumption but in truth, outside of specialist groups within the likes of CIBSE, BISRA and ASHRAE there is very little appetite for it within the 'cooling industry'.
There is much that this industry could do but doesn't. Taking a lead on Building Energy is just one of them. It is a sad fact that too large a part of this industry is obsessed with the navel gazing exercise that the WR demise has turned into together with the never ending debate on just how evil the supermarkets are, that few have the sprit or the energy to focus on the broader issues that cooling and energy in the 21st century bring.
Your opening of the debate is both timely and appropriate but somehow I doubt it will prove popular. I hope I am wrong.
This topic should be and is very popular with end users. Please checkout the Consumer Goods Forum - 400 of the world's leading food suppliers and retailers who say they are switching to natural refrigerant based technology because it is more energy efficient.
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Support from Adrian from Broxbourne Council and our partners helped create a specially designed scheme.
Broxbourne Council (www.broxbourne.gov.uk), Seed Harvest Organisation (www.seedharvestorganisation.com) and Aid 4 Disabled (www.aid4disabled.com) were consulted on this area. A list of each bed was devised against suggestions from a heritage list and research conducted by one of our volunteers (Click here to view our plant research). Plants were purchased from Clockhouse Nurseries (www.clockhousenursery.co.uk), Rochford Nurseries (www.rochfords.net) and Norfolk Lavender Fields (add link).
Plants and their arrangement were important to create a sense of depth and height as visitors walk around the raised beds. Bulbs and various bedding plants were planted by our team of volunteers during our Make a Difference Day, October 22 2016. The wooden railway sleepers also provide a seating place for people to reflect and observe the surrounding area.
For more information on Cedars Park, please click here.


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This dress was a challenge I brought to myself. It's been hanging in my closet since junior year and I just never found the opportunity to wear it, but I packed it in the hopes that I would wear it. And then I dragged my brother a quarter of a mile of the walk to the beach to take photos and demanded him around (isn't that what little brothers are for?) to get photos.
I guess the reason I love this dress is because it was a vintage thrift find and it was too cute to not pass up at the time. Pair it with my grandmother's vintage rope earrings and set yourself up on the beach and you've got a nautical look! I really wish I knew where this dress was from, but I've never seen anything like it! It's a little bit of an awkward length, but I'm fine with that.
What sorts of things do you have in your closet that you never wear?


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"There is income inequality in America. There always has been and hopefully, and I do say that, there always will be," said the former Pennsylvania Senator. "Why? Because people rise to different levels of success based on what they contribute to society and to the marketplace and that's as it should be."
The real question though is not whether there should be income inequality, but how much. Of course people who contribute more should receive more in return. I don't think that anyone except a few kooks on the fringe are arguing that everyone should have exactly the same income.
How much income inequality is enough?
Is there such thing as too much income inequality?
Look at the statistics:
Look how much it's changed since the 1970s:


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Adventure Time is a great cartoon show, one with many fans as it's a smashing hit, but What if Adventure Time was a 3D Anime Game? We covered it a while back when it was in closed beta, but now a demo version of that build is made public!
As we said before, the quality of this fan made game is astounding from visuals to gameplay to just about any aspect of what makes a game great. It's also interesting how the developer transformed the characters from a Western style to an Eastern one.
You'll enjoy the game by exploring its levels, talking with the characters and fighting creatures, all of which you'll recognize if you're a fan of the show. This game is arguably better than any official release regarding the show, even in its current state.
Download the beta demo on the game's GameJolt page.
Played it? We'd love to know what you thought about it.


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Our Philosophy
Although Plog & Stein, P.C. is comprised of multiple attorneys, we all share common, core philosophies on how cases should be handled for our customers. We believe that the key components to helping our family law clients: honesty, strategy, and logic. Clients need an attorney who is willing to give them an honest assessment of the case. This includes providing information about probable outcomes and counseling as to what is important to the court. Anyone can tell a client what he or she wants to hear. We strive to assist our clients by giving them a realistic analysis of their cases so that they can make better, informed decisions about how to proceed.
Though your case is not a game, any case can be likened to a chess match. Each move on the board matters. As such, the goal is to make the right move at the right time in the process of trying to reach your goals. This includes our attorneys readily assessing each aspect of a case, anticipating potential outcomes or reactions from the other side (or court), and planning on how to best work towards the client's needs, in light of all facts and circumstances. Our experienced attorneys employ strategy when negotiating on behalf of clients, or when picking experts in a case. Likewise, part of our overall strategy is to be thoroughly prepared for the final divorce or custody hearing. Preparation matters and can be the difference between effectively litigating an issue, or not. We are seasoned trial attorneys and know what it takes to effectively litigate for our clients when the time comes. Also tied into the strategies we employ is good attorney/client communication. With good communication comes a clear understanding of the directives and objectives by all involved, working together as a team.
Finally, logic comes into play in any case as well. We believe that each case should be approached from a logical, analytical standpoint and that details matter. In every case, our attorneys strive to assess the case as a whole, from a cost/benefit standpoint. We want to make sure that the steps we take with each case make sense and are designed to lead towards a client's end goals and best interests. In any divorce or custody case emotions will run high. When normal human feelings get coupled with the reality that a party going through a divorce or custody battle is engaged in a life changing process, it's easy for people to lose sight of the big picture. Our attorneys do what they can to help clients understand what things will look like at the end of a case. Taking comfort in knowing you are well represented allows you, the client, to focus on the relevant issues with a clear head.
Though there is no clear formula to managing a divorce, custody, or child support case, we believe that sticking to core management ideals has greatly benefited our family law clients over the years.
Our firm takes each case very seriously. From our perspective, no other area of law comes with the same type of lasting, individual, financial, and emotional ramifications that arise in the family law arena. We believe that the divorce process does not need to be acrimonious or full of the drama people often hear about from friends, or see in movies or on television shows. Though our hope is to get matters settled for our clients in a favorable and efficient fashion, some cases require court trials and full-blown litigation. Our legal team is well equipped to fight for our clients in either scenario.
Our reputable law firm can also help you in the following ways:
- We are available to deal with emergency custody or visitation issues and can generally get clients into the office quickly to deal with the problem.
- We can handle complex legal issues, such as interstate child custody and jurisdictional matters.
- For clients not seeking full representation in court, we also offer unbundled legal services, which can include a consultation session for purposes of obtaining legal knowledge or advice.
- We offer assistance with settlement negotiations or mediation on an as-needed basis.
In recognition of the fact that Denver is an economically diverse area, our attorneys approach each case in a cost conscientious manner, always looking to deal with our cases in an efficient and financially reasonable manner. It's just good business. At Plog & Stein, we believe that the efficiency that comes with years of family law experience helps cut down litigation costs. Of course, we never sacrifice on the quality of our work and will always go the extra mile to further our clients' goals. We also offer competitive retainer rates for family law representation Denver metropolitan area.
The divorce process can be filled with many emotions and challenges for individuals. Our hope is to ease your concerns and deal with them in a caring and productive manner. Our Denver divorce lawyers strive to keep abreast of changes in the law, procedure, and the court system in an effort to better serve you, the client. The end goal is what ultimately matters and we are ready to be both your advocates and guides to get you there. At Plog & Stein, P.C. we are ready to assist you through these tough and uncertain times.


text: Some good news for a change, as the sex hysteria pendulum swings back toward justice. The Daily Wire has the story about James Madison University (JMU): A federal judge has recommended that James Madison University pay nearly $850,000 in damages to an anonymous student who says the school punished him for a rape he didn't commit, using a secretive process that didn't allow him to confront witnesses or present evidence. Here's what happened. A female student ("Jane Doe") accused a fellow student ("John Doe") of rape, but a faculty panel said he was not guilty. "Jane" wouldn't comply with that outcome, however, and said she didn't experience a fair hearing. That's when JMU created a second investigative body — but didn't allow "John" to present evidence or confront witnesses. This second body punished Doe, even though he was never found him guilty of any crime whatsoever. This, my friends, is why you call the police when a rape happens, or in this case, does not happen. These college administrators are not equipped to deal with sexual violence, and their "courts" are unduly affected by political correctness. Thankfully, the judge saw through this. "[T]he appeal board effectively reversed the decision of the hearing board without any explanation whatsoever and without ever expressing a finding that Doe was responsible for sexual misconduct," he said. "John Doe" won this case right before Christmas when another federal court judge ruled that JMU had violated his due process rights when they gave him a 5 and a half year suspension. "James Madison, it seems, will have the honor of paying a record judgment as a reward for caving to feminists and sex assault activists," reported Emily Zanotti. Great news. I hope writing that check will cause them to think long and hard before caving to the demands of sex hysteria and political correctness. Image Credit: By Rtcpenguin [CC BY-SA 2.5 (https://creativecommons.org/licenses/by-sa/2.5)], via Wikimedia Commons Hat Tip: Daily Wire