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Commercial Insurance
5/7/2019 (Permalink)
Commercial property insurance covers businesses for losses due to certain covered events, such as fire, theft, vandalism, or natural disaster. This coverage helps business owners protect their valuable assets, such as an owned or leased building, tools, equipment, machinery, or inventory. Commercial property insurance rates typically average $500 to $1,000 per year.
Commercial Property Insurance Rates
The cost of business property insurance varies depending on the value of the property to be insured, the location of the business, and the coverage limits and deductible you choose. There are several other factors affecting the cost of commercial property insurance, but most small businesses will pay $500 to $1,000 per year in premium.
Some insurance providers will allow you to include commercial property insurance in a business owners policy (BOP), which is a bundled package of multiple insurance types. The cost of the package as a whole is often less than the underlying policies if purchased separately.
The most important factors that affect the cost of business property insurance include:
- Geography: Everything from the land value of your business location to local crime rates can impact the annual cost of your premium.
- Safety and Security: This expands on the geography and location aspect. Is your commercial property located in a high crime area? Are there hazardous materials stored in your building or nearby?
- Size of Business Premises: A large commercial building will generally cost more to cover than a single unit office space.
- Age of Building: Old buildings can be more susceptible to certain types of damage, so they may cost more to insure. For example, a fire caused by old electrical wiring could translate into costly repairs if the building needs to be rebuilt to code.
- Type of Equipment: Heavy industrial equipment will cost more to insure than an at-home business' sewing machine.
- Age of Equipment: You may pay higher premiums if your equipment is hard to repair because of scarce parts or if it's more likely to break down because of heavy use.
Insurance companies will charge more for greater risk exposures that require higher coverage limits. It's important to remain aware of the risk exposures of your business and the assets that you need covered.
Use an Agent or Broker Who Understands Your Business
Commercial property insurance is a type of small business insurance and is not specific to any particular industry. Keep in mind that not every insurance company will have intimate knowledge of your business or the risk exposures that need protection. When shopping for a commercial property insurance policy, try to find an agent or broker who understands your business or industry type.
How Commercial Property Insurance Works
A commercial property insurance policy is non-industry specific, which means that the coverage is mostly standard across all business types. However, commercial property insurance is not a one-size-fits-all product. Policies will differ in a few key areas, such as the coverage limits, how assets are valued, and what's covered and not covered in the policy.
What Commercial Property Insurance Covers
Your insurance policy will cover certain perils, which are causes of damage such as fire or theft. Coverages included in your policy are called inclusions, whereas perils not covered in your policy are called exclusions. It's important to know what is covered in your policy and what is not covered.
Here are some of the primary items covered in a commercial property insurance policy due to loss from a covered peril:
- The building, owned or leased
- Business equipment loss
- Damage or loss due to wind, hail, fire or theft
- Accidental damage of property
- Business Interruption (lost business income)
- Electronic data
- Interruption of computer operations
- Valuable papers and records
- Forgery or alteration
- Accounts receivable
Of the covered items in a commercial property insurance policy, the most important items to cover are the building and the business' assets contained within it. Business interruption, which covers a loss of income when your business is forced to suspend operations due to a covered event, is also necessary coverage in the property insurance policy.
For more information about Commercial Insurance visit Fit Small Business: Get Your Business Into Shape!


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Innovation Is Handicapping Millennials
One of fundamental characteristics that makes us human is our capacity to impart. At whatever point we carry on with a solid common life, we participate in discussions eye to eye, care and regard others, and we focus on critical standards of behavior which at that point causes us to live related to one another without taking part in an excessive amount of disagreement. I am not mindful of any minimum amount of people living in a general public in whenever in history that has endure the occasions living in all out separation from their quick network, its qualities and correspondence rehearses. What's more, as vitally – the capacity to gain from his very own missteps after some time. The cell phone has been impeding the millennial age in such manner.
The cell phone has been debilitating the twenty to thirty year olds. You have heard it right. You may inquire… For what reason do you say that educator? Give me a chance to clarify why by giving you a genuine precedent that has changed the manner in which I associate with people of the contrary sex.
When I was a child, I attempted to speak with young ladies up close and personal. I was so timid and truly reluctant to talk with a young lady one-on-one… I had a horrible dread of dismissal in those days. Despite the fact that these emotions are not absolutely unfamiliar to young men, I know today that my dimensions of modesty (and in this way my powerlessness to talk with an individual of the contrary sex) in those days were likely higher than most young men who were bashful in my age.
Like most children in their high school years, I was ill-equipped to participate in relational interchanges with a female. Regardless I recall this wonderful young lady named Peggy which I really had the hots for. She was wonderful, pleasant, and to my fortune… she appeared to like me. The way that we never wound up going out on the town had nothing to do with her relational capacity. It had an inseparable tie to mine. I neglected to start a significant discussion with her to get the opportunity to ask her out on the town. My all out misfortune… also, I knew it. In any case, my failure to break the ice and carry on a legitimate discussion with a young lady made me stop and consider why I wasn't being effective in my adoration attempts. I invested some energy contemplating this inquiry and afterward BINGO! In the end, I've realized what young ladies like out of my battles. "They like to talk," generally. I figured… All things considered, on the off chance that young ladies like to talk, at that point I should be a decent audience. The rest my companions, is history.
See, I didn't need a cell phone to improve me feel or figure out how to talk with a young lady. My humankind helped me with making the most of my later high school and youthful grown-up years basically by halting and pondering the self-evident. For the vast majority of my adolescent years (up to the age of 16), I battled with talking with young ladies. Some should seriously think about the previous similar to a "terrible" beneficial affair. Indeed, I see these previous battles diversely today. I say thanks to God for how things wound up working out in my life in such manner and for being able to confront the issue and locate a conceivable arrangement like a man.
When I was 16 years of age, there were no cell phones. My folks happened to have mobile phones in those days, which was irregular for Brazilians, harking back to the 90's, yet they were not savvy. I didn't have the chance to go on-line to improve me feel for my powerlessness to talk with a young lady. Since I had no innovation, I needed to confront the issue and build up a two imperative fundamental abilities – Critical reasoning and Listening.
Children today are impeded on account of innovation. Such a large number of recent college grads face an issue with a young lady and instead of confronting the issue head on to discover an answer… They frequently go to their cell phones and content! Can't chat with a young lady today? Go to a cell phone, watch a video with young ladies and feel much improved. Can't discover a date to go to prom… Go to the cell phone, visit with young ladies on Tumbler, and proceed onward… Try not to have any companions? Go to the cell phone and sign into Facebook and visiting! The issue is that content informing won't show a child how to talk with a young lady like a man. Keeping away from (or the powerlessness) to talking with a genuine young lady can't be supplanted by viewing a video about young ladies. Not having a date for prom can't be supplanted by visiting with outsiders on Tumbler…
Imagine a scenario in which I revealed to you that if an individual faces an issue throughout everyday life and chooses to overlook the issue and move sideways, in the end they will stroll around and be bossed around forever. With or without innovation. This innovation that should improve our lives is having an enormously negative effect in the lives of a large number of adolescents and youthful grown-ups today. It is, indeed, impeding them by debilitating them to confront genuine issues for innovation.

subset: commoncrawl


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Frequently Asked Questions About Bioidentical Hormones
Salt Lake City Bioidentical Hormone Doctor, Amy Killen, M.D. of Utah County, offer customized Bioidentical Hormone Replacement Therapy plans to men and women that are suffering from the effects of hormonal decline and imbalance. To determine candidacy for Bioidentical Hormone Replacement Therapy, Dr. Killen of Biorestoration Medical of Draper, Utah in Utah County will complete a series of tests that can detect latent hormonal imbalances, and she will obtain each patient's medical history to develop an individualized program. Dr. Killen offers continued support throughout each patient's healing journey, and she is always happy to answer questions. Some of the most frequently asked questions regarding Bioidentical Hormone Replacement Therapy include:
- What does "bioidentical" mean?
Often called natural hormones, Bioidentical Hormones are those that have exactly the same chemical structure as the hormones produced naturally by your body. The hormones are manufactured in a lab, but are carefully tailored to match the exact form and function of the hormones our body utilizes every day.
- What are Bioidentical Hormones made from?
There are two ways that the bioidentical hormones used by Biorestoration Medical are produced. Estradiol, progesterone, and testosterone are derived from soy protein, which is then modified to be an exact replica of the hormones naturally produced in your body. Each hormone treatment you receive is engineered to be a perfect fit for the chemical receptors in your body.
- How do Bioidentical Hormones compare to synthetic hormones?
Synthetic hormones closely resemble natural hormones, but not exactly. This means that they mostly fit the hormone receptors in our bodies, but not completely. Synthetic hormones are designed to alleviate specific symptoms and to react closely to how our natural hormones react in certain instances, but they don't have the exact same reaction as our own hormones do, especially in unintended tissues. These unintended reactions come in the form of side effects, like an increased risk of blood clots and breast cancer.
Bioidentical hormones are not associated with the risky side effects of synthetic hormones because they have the exact same chemical structure as the hormones naturally produced by our bodies. These hormones fit our hormone receptors exactly, and are indistinguishable by our receptors from our natural hormones. Bioidentical Hormones do not have an unknown effect on unintended tissues, because they behave in exactly the same way as our natural hormones do throughout our entire bodies. Rather than having side effects associated with them, Bioidentical Hormones have benefits, as they improve our overall health and wellbeing.
- What if I have, or am at risk for, a condition that could be worsened by hormone replacement therapy?
Some patients that could benefit from Hormone Replacement Therapy are advised not to use it if they have, or are at risk for certain conditions. Breast cancer, endometrial cancer, blood clots, and Factor V Leiden all have an increased risk factor when combined with hormone replacement therapy, so they're not good candidates for traditional hormone replacement therapy. The increased risk of these conditions is a side effect of synthetic hormone therapy and is the result of using hormones that don't function in exactly the same way that your natural hormones do.
Bioidentical Hormones have exactly the same chemical structure as your natural hormones do. They react with all of the tissues in the body just as the hormones your body produces do, and so the side effects associated with them are non-existent in almost all cases. Many people who are ineligible for synthetic hormone replacement therapy due to the risk for breast cancer or other conditions can find relief with Bioidentical Hormone Replacement Therapy. In fact, the risk of breast cancer and other conditions is actually reduced in most cases where Bioidentical Hormone Replacement Therapy is used because the entire body is brought into balance.
- What conditions can be treated with Bioidentical Hormone Replacement Therapy?
Basically, any decline in health that is a result of the aging process can be improved with the help of Bioidentical Hormone Replacement Therapy. Hormones are chemical messengers sent out by our brains that tell our entire body how to function. As we age, hormone production declines, and the negative effects of this can be felt in a variety of ways. Decreased sex drive, chronic fatigue, fibromyalgia, depression, anxiety, and a whole book of other disorders, diseases, and conditions can be caused by a hormonal imbalance.
Besides reducing the symptoms of many medical conditions, bringing the hormones back into balance with Bioidentical Hormone Replacement Therapy has some fringe benefits that can improve even non-hormonal conditions. Bioidentical Hormone Replacement Therapy boosts the immune system so it can fight disease more efficiently. It increases the energy production capabilities of individual cells, which improves focus, memory, and energy levels throughout our bodies. Bioidentical Hormone Replacement Therapy also improves circulation and the body's natural anti-inflammatory efforts, which can improve conditions like fibromyalgia and arthritis.
- What are the administration methods for Bioidentical Hormones?
The way you receive your doses of Bioidentical Hormones depends on the specific hormones you need to become balanced, and on your personal preference. Hormones are self-administered twice a day using the following methods:
- Transdermal creams: estrogen, progesterone, and testosterone
- Oral Capsules: Melatonin, pregnenolone, progesterone, DHEA
- Subcutaneous injections: HCG, using ultra-fine insulin needles
- How long will I need Bioidentical Hormone Replacement Therapy?
The body's inability to produce adequate hormone levels as we age is a permanent condition, but it's one that can be fixed using Bioidentical Hormone Replacement Therapy. Patients should continue with the therapy for as long as they wish to receive relief from their symptoms. Our experienced medical staff will monitor your hormone levels periodically to make sure that all of your needs are being met and to ensure that you continue to benefit as much as possible from Bioidentical Hormone Replacement Therapy. If you choose to stop the program, your body will return to its' previous levels of hormone production.
- What are some positive effects of testosterone therapy for men?
New research shows that testosterone therapy actually reduces the risk of prostate cancer, and it also increases libido, muscle tone, energy, and sexual function. For men that are predisposed to male pattern baldness and need testosterone replacement therapy to improve their health, Bioidentical Hormone Replacement Therapy can offset the increase in Dihydrotestosterone, which leads to male pattern baldness.
- How do women benefit from testosterone replacement therapy?
Testosterone is a hormone that is naturally produced by both men and women, and it's one of the main hormones that decrease with age. Although women only need about 1% of the dose of testosterone that men need during Bioidentical Hormone Replacement Therapy, that little bit comes with huge health benefits, especially when combined with progesterone. Some of the benefits of Bioidentical Hormone Replacement Therapy for women may include:
- Increased libido
- Prevention of osteoporosis by increasing bone density
- Decreased heart disease
- Decreased risk of Alzheimer's
- Decreased risk of cancer


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Product Overview
The Regal was created for people who love to store their belongings close to them. Both armrests flip open to reveal an additional amount of storage, a fold-out tray, and a cupholder. The back of the Regal consists of three cascading pillows which are fully adjustable to allow for maximum comfort.
Please download the Signature Series Brochure here for color swatches.


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Worcester pop-punk band The Other Stars has just premiered a new music video for their song, "You Looked Better At The Party", and you can have a watch below.
The track appears on the band's latest album, "We Were Kids", which was released this past April through Take This To Heart Records/Near Mint.
Add The Other Stars to My Radar


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This Taxi Company is Perfect for Pet Lovers
… And it's in Lebanon!
September 07, 2017
Having a pet and no car is really annoying. It's sad to let your furry friend stay home instead of taking it to a walk in the park, and most taxi drivers don't let us bring them with us… But thanks to Pet Taxi, you don't have to worry about it anymore. Yes, there's now a taxi company for pets in Lebanon!
Lebanese animal lovers no longer have to struggle if they don't have a ride. This one of a kind concept can take your pets to the groomer's, the park, the airport, anywhere you want. Our furry ones can't wait to have a ride in their very own taxi!


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HUNTSVILLE Ala. -- Take a look at the floor you're standing or sitting on right now. Sure it's flat, but not all floors are created equal.
In fact, NASA has one of the flattest floors in the world, right in our own backyard at NASA's Marshall Space Flight Center on Redstone Arsenal.
There are many facilities for technology and science on the Arsenal, and this extremely flat floor can lead to the future of space exploration.
Step onto NASA's flat floor laboratory and it's the next best thing to floating outer space.
"I can move 4,000 pounds with just my pinky, and I'm no weightlifter," said Tom Bryan, the Senior Engineer at Marshall's Flat Floor Facility.
The flat floor facilities at Marshall have been around since the late 60s. They're currently on the fourth version.
The floor is 86 by 44 feet. It was poured that big to fit space station modules on it to practice putting them together. The floor has stayed flat for around 30 years.
"We have tested and trained astronauts using this concept for decades, and we also can test hardware," said Bryan.
Bryan helped pour this one and the flat floor before it, and when they say flat, they mean extremely flat.
"95% of the floor is plus or minus 3.5 thousandths of an inch," he said. "That is half the thickness of printer paper."
It's layers of an epoxy compound on top of an isolated five-foot slab of concrete. It was selected by the corps of engineers to make it as stable and flat as possible.
"We have three or four that I know of in the country, and most of them are much smaller or less precise than this," Bryan said
Because the floor is so flat, objects can move across it on a frictionless cushion of air. The facility is also where young engineers can test their ideas.
Students from the University of Kentucky are testing their tethered deployer design. Their design could harness the power of solar wind and use typically harmful protons from the sun as fuel.
"There is a proposed mission in the next, I think, five to eight years maybe to use something like this on a satellite," said Courtney Montague, a student at the University of Kentucky. "We've actually spent the last year designing this and this semester specifically building it. So now we'll get to test it and see if it works."
Tom Bryan said designs like this will change the future of space exploration and made possible by the floor he helped pour.


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In which He-Man tries to dig to the centre of Eternia, for no particularly apparent reason.
The episode begins with a short sequence in which Orko distracts a young Palace Guard called Philip from his duties by doing rubbish magic. Unfortunately, this seems to have been the moment Whiplash has been waiting for, as he springs out of hiding to steal the new Ice Raider. Not a moment too soon, He-Man shows up and demonstrates Whiplash's design flaw: he's really easy to grab by the tail, swing round, and throw away.
Glowing with self-righteousness, Teela hauls Philip in front of the King and Queen, detailing everything he did wrong in this encounter. Philip defends himself with a variety of relatively feeble excuses, but when both Teela and Adam join forces to harangue him, there's nothing he can do to dissuade Randor from transferring him to a no-hope job guarding a weather station in the frozen wastes. Man-at-Arms tries to convince Philip that this is an important job, but he doesn't buy it, and frankly neither do I.
Becoming aware of this development on his spy-globe, Skeletor gets on the phone to his old mate Icer, who has apparently been trying to break through a protective shield around the weather station for some time. When Philip arrives to take up his new job, he deactivates the shield to allow himself entry – and Icer slips through as well.
Icer wastes no time in using the weather station to mess about with the weather, causing an enormous glacier to flow as fast as a river towards the Palace. On discovering this development, Adam, Teela, Cringer and Orko take the Attack Trak to the foot of the glacier. There they meet a bunch of trolls, necessitating a second appearance for He-Man and Battle-Cat, who dispose of the trolls in a not very entertaining fight.
On reaching the weather station, He-Man defies the laws of physics once again by cutting a hole in the protective shield, which is composed of energy. Entering by this impossible method, our heroes encounter Philip, who is very quick to point out that he's not responsible for Icer getting inside. He-Man now decides not to bother looking for Icer, but instead claims that the important thing is to descend to the lower levels and get as close to the centre of Eternia as possible. He gives no reason for this, and I can only conclude that he's gone completely off his head.
Philip locates the stairs, and He-Man determines that Icer is hiding inside a wall nearby. Showing further evidence of his impending insanity, he delegates to Orko the responsibility for stopping Icer, in which task Orko predictably fails. At the bottom of the stairs, He-Man drives his sword into the ground and occupies himself making a big hole, while Icer stands around beating his chest and making inexplicable noises which are suggestive of a difficult bowel movement.
Having dug a really deep hole by using his sword as a drill, He-Man then leaps in. Standing in a cave, he cuts some rocks up, producing geothermal energy and thus making the glacier recede. This seems a frankly long-winded way of doing things. Summing matters up at the end, Teela does attempt to justify it by saying that the control room was all iced over so they couldn't get rid of the glacier that way, so I suppose it makes some vague sense after all, but it would have been nice if they could have referenced this problem before He-Man started wittering about getting to the centre of the planet.
In today's adventure…
Adam, Teela and Philip explain how you can become a "winner" – it's by being responsible and dependable. This is a lesson that Philip learned this week, having stopped trying to shift the blame for his mistakes. Lucky Philip. I bet he's a winner now.
Character checklist
Well, it's not as extensive as last week, but there are still a fair number of Eternia's finest presenting themselves for inspection today. You won't be surprised by the inclusion of Prince Adam, Cringer, He-Man, Battle-Cat, Orko, Teela, Man-at-Arms, King Randor, Queen Marlena, Skeletor and Whiplash. The characters-of-the-week are the trolls, Icer and Philip. I nearly typed Prince Philip then. I wish he'd been in it.
Excuse given for Prince Adam's disappearance
We are blessed with two transformations this week. The first time, we get no excuse, but the second time, we get two: when confronted by the trolls, Adam says, "I'll go and see if there's a way round them." Reappearing seconds later as He-Man, he dismisses Adam by saying, "We'd better not wait for him."
Teela calls Icer a "cubeface", which is nice. Skeletor encompasses every single inhabitant of the Palace with the succinct "fools", but then surpasses himself by calling Whiplash "Wimp-lash", which, it has to be said, is sheer genius.
Does it have the Power?
This is one of those odd episodes that really feels like it should be good, but just somehow isn't. The writing was slightly off, especially in the first few scenes – it felt like it was an episode written very early on, when the writers hadn't quite got a handle on the characters yet. In addition, the failure to mention the ice in the control room was a serious blooper – it made He-Man look like he'd gone mad when he decided he had to get to the centre of the planet. Philip's storyline was fine but not enthralling. To be honest, it's only Skeletor's "Wimp-lash" quip that makes this one worth watching.


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Blood pressure 120 versus 140, Blood pressure over 150 is common, NEJM (New England Journal of Medicine), SPRINT blood pressure study
The report is now published in NEJM (New England Journal of Medicine) on 9,300 hypertensive patients over the age of 50. Their study subjects were randomly assigned to two groups, using drugs to lower blood pressure to a systolic of either below 120 or below 140. The study's acronym is SPRINT (systolic blood pressure intervention trial), and results are summarized in TIME Nov 23, 2015, p. 19-20. Those numbers are already below the previously recommended pressure of 150, but even so the death rate was 43% lower for the 120s versus the 140s so the trial was discontinued for ethical reasons.
One would suppose that if the results were so spectacular that they stopped the experiment, they would immediately recommend that all patients over the age of 50 should have their blood pressure brought down to 120, unless there were other good reasons for not doing so. But no, the AHA and the American Medical Association will not change their current recommendations of 140/90 for most people and 150/90 for people over 60. The reasons are obscure because even at 150/90 1/3rd of Americans have hypertension, and if they lowered the definition to 120/70 it would include almost everyone. The doctors are consistently seeing patients with systolic higher than 150 so they are defining that average as normal. The problem is that it isn't normal, it is sick, and hypertension and its derivatives are the most common cause of death in the United States.
Medical students were taught until recently to consider a normal systolic pressure to be 100 plus the patient's age; thus an eighty year old, such as myself would expect to have 180/[?, say 110]. Instead I usually have close to 118/68 which would be good for an eighteen-year-old in good health. Doctors avoid giving medication to older people to lower their pressure to this level because of the problems of dizziness, confusion, and falling.
If a longitudinal study of 9,300 individuals with unequivocal results isn't enough to change policy it's going to be a long time before my intestinal microbiome treatment will be recommended.


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Somerset House
This fashion week season marked my first visit to London Fashion Week.
This fashion week season marked my first visit to London Fashion Week.
Our trip to Hogwarts during our visit to London was nothing short of magical! Well, it wasn't exactly Hogwarts, it was the Warner Bros Studio, where all the films were created
This pretty pink cafe, Peggy Porschen was on the top of my list of cute coffee spots to visit in London.
There is a lot to Love about London. It's one of my favourite places to visit and we definitely made the most of our time in the city.
Trains, planes and automobiles, we've taken many over the past few weeks. We're wrapping up our European adventure, which has been nothing short of spectacular.
When I travel, I always want to make the most of my time in that location. If you're like me, you research the destination online, and make your list of must see places.
And we're off! Jonathon and I so exciting to be flying to London, England today before heading to Prague and Paris.
One of my favourite things to do on a weekend morning is visit the Vancouver Art Gallery.
eos or Evolution of Smooth hosted us in New York earlier this month for the launch of their latest lip balm, Crystal.
I first fell in love with Manhattan on a trip to the United States when I was 13.
The start to August was an absolute, wonderful whirlwind. I was invited to New York on press trip with beauty brand EOS for the launch of their latest lip balm, EOS Crystal.
Beautiful British Columbia – it's true! If you've ever visited BC, you know it's one of the most spectacular parts of the world.


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Paul Sérusier
French Painter
Movements and Styles: Post-Impressionism, Les Nabis, Symbolism
Born: November 9, 1864 - Paris, France
Died: October 7, 1927 - Morlaix, France
"Art is a means of communication between souls."
Summary of Paul Sérusier
Born in Paris, Paul Sérusier studied at the Académie Julian, an alternative to the elite and conservative École des Beaux-Arts. During his training, he visited the artist colony established in Pont-Aven, where he met a group of Symbolists. Working closely with his friends, Paul Gauguin, Maurice Denis, Pierre Bonnard, and Édouard Vuillard, Sérusier employed bold colors and flattened forms to illustrate his thoughts on the canvas. Seeking liberation from the strictures of classical painting and the recent Impressionist movement, Sérusier was a pioneer of Post-Impressionism, eventually founding the group Les Nabis, named after the Hebrew word for "prophet."
As the leader of the Nabis, Sérusier sought to paint what he felt as well as what he saw. He also sought unity between decoration and fine art, as did the Arts and Crafts movement in England. Many of Sérusier's paintings were meant to fit in seamlessly with their surroundings, to be as aesthetically pleasing as they were intellectually stimulating. Advancing toward abstraction, Sérusier helped to usher in a new era in artistic innovation, pushing painting away from representation to focus on sensation and evocation. Beginning in 1908, his influence was broadened as an instructor at the École Ranson, founded by fellow Nabi Paul Ranson, where students were encouraged to embrace the expressive and evocative potentials of abstraction. The École Ranson was a popular training ground for modernist painters until World War II.
Key Ideas
Paul Sérusier Artist Overview Page:
This is a mini-page that we designed for artists that are harder (or maybe impossible) to find detailed information on. If you would like us to put in a significant effort to build more information into this page, please comment. Thank you
Paul Sérusier: Of Interest
Important Art by Paul Sérusier
The below artworks are the most important by Paul Sérusier - that both overview the major creative periods, and highlight the greatest achievements by the artist.
Le Talisman, the Aven River at the Bois d'Amour (1888)
Artwork description & Analysis: This work marks the beginning of Sérusier's exploration into color, sensation, and abstraction. Divorcing himself from the Impressionists' more faithful representation of what they observed, Sérusier focused instead on translating his sensations onto the canvas. Based upon his impressions of a day outside, Sérusier transformed each piece of nature into a swathe of color-filled energy, unified by vivid brushstrokes. The trees are yellow and the ground is orange, separating it from a traditional landscape. He painted what he felt, not what he saw. Gauguin encouraged him to move beyond the straightforward representation of a scene, but the artist went one step further, creating an abstracted marvel based predominantly on emotion and personal vision.
Oil on Wood - Musée D'Orsay, Paris
Portrait of Paul Ranson in Nabi Costume (1890)
Artwork description & Analysis: One of the few portraits painted by Sérusier, who mainly focused on landscapes, this painting is remarkable for its representation of Paul Ranson who was a member of the Nabis since its inception, and who favored the same symbolism as Sérusier. Overall, this group reflects a growing fin-de-siècle trend of religiosity, both in traditional and occult circles; the members of the Nabis created a close brotherhood modeled after religious orders and were inspired by levels of consciousness beyond the concrete or visual, but their focus appears to have been predominantly visual rather than spiritual. Although it is not known whether the Nabis actually performed rituals, this clearly shows the group's interests in esoteric symbolism, including the details of the costume and objects.
Oil on canvas - Musée D'Orsay, Paris
Farmhouse at le Pouldu (1890)
Artwork description & Analysis: Motivated and inspired by his time in Brittany with Paul Gauguin, in this work Sérusier applies and expands on what he has learned from his mentors. Clearly showing his experimentation and fascination with Synthetism, Sérusier has filled his tableau with flattened forms and large swathes of color. The Breton woman is entirely two-dimensional, emphasizing the fact that this is a painting and dispelling with any attempt to fool the viewer into believing that a real person is on the canvas. She is walking in front of a simplistically shaped home, filled in and surrounded by unembellished pools of color. In a last burst of Synthetism, everyone and everything is clearly outlined. Sérusier also applies the proto-cubist techniques of Paul Cézanne to create his scene by using rows of short, visible brushstrokes in the sky, trees, and thatched roof.
Oil on canvas - National Gallery of Art, Washington, D.C.
More Paul Sérusier Artwork and Analysis:
Content compiled and written by The Art Story Contributors
Edited and revised, with Synopsis and Key Ideas added by Sarah Archino
" Artist Overview and Analysis". [Internet]. . TheArtStory.org
Content compiled and written by The Art Story Contributors
Edited and revised, with Synopsis and Key Ideas added by Sarah Archino
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text: Leopard on the Lookout. 17/06/2019 by derwombat 1 An ever watchful leopard poses on a tree trunk in the magnificent Kruger National Park, South Africa. Image Credit: Photograph by Greatstock/Barcroft Images See more images via The week in wildlife – in pictures | Environment | The Guardian Share this:PocketEmailPrintMoreTweetLike this:Like Loading... Related


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Monday, May 2, 2011
Waters of flame
What is it that we damage
with our relentless feuding;
with our consumption,
and our pollution?
What else will be destroyed
while we are busy
seeking vengeance?
What other hearts and lungs
will cease to beat and breathe
while we pour our energies
into bullying, battling and buying?
An eye for an eye
a tooth for a tooth
and slowly all the whales
will beach themselves,
to avoid the waters
we have turned to flame...
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What is Hellens English breakfast tea?
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Selena Gomez has the cutest response when she receives a new carrying bag for her and The Weeknd's puppy, Charlie. Check out how she reacts!
A puppy of the of the world's biggest pop stars should ride around in style. Thankfully, Sel's new dog Charlie was just gifted one stylish carrier, and when the designer himself gave it to her, she absolutely lit up.
[Video]: Selena in Theresa Marie's Instagram Story. pic.twitter.com/uGMSD7kYfh
— Selena Gomez News (@LifeWithSelG) October 21, 2017
On a video posted on Instagram, Selena melts at she's shown all the features of Charlie's new bag.
Devoted fans know Charlie doesn't just belong to Selena. She and her boyfriend The Weeknd got the Cavalier King Charles Spaniel together back in September!
Before settling on Charlie, they were spotted at Citipups in New York meeting tons of furry friends!
Since they got Charlie, Selena and the dog have been spotted making their way to the Big Apple together many times!
The Weeknd also shared an unbelievably cute clip of Charlie munching on his shoes.
Just in case you hadn't heard, Selena and EDM sensation Marshmello are about to drop a major collab!
On October 19, Selena shared some cute pics of herself with the DJ with this caption: 'Coming 10.25… WOLVES x.'
The images show Selena and the masked EDM star goofing around in a living room together.
She even gets her very own pink smiley-face mask! 'Selenators, meet the mellogang,' another photo was captioned.
Other than this, Selena is doing fine these days, and she is spending as much time as possible with The Weeknd. They have recently been spotted on a Jurassic Park ride in LA.


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Welcome to another Women Crush Wednesday! Today is a very personal blog post for me. It's a day I choose to celebrate and honor a woman very close to my heart. She's someone many of you have inadvertently come to know over time. Her name is Stella. Known as Nanny Stella to me and to all that knew her. She was everyone's, Nanny Stella.
What's in a Name
Many of you may recognize the name and equate it to my Pro Mod. She is named Stella after my Grandmother. The Pro Mod's original color was Red, much in line with my Grandmother's fiery hair color! Red Flame by Clairol, as I recall. She used it for as long as I can remember. Oddly that seemed to be the color of choice for many of my older Redheaded relatives! They say (in part) the color Red is associated with strength, determination, passion, energy, and love. Nanny Stella represented all of these.
No License to Drive
Although I named my racecar after her, Nanny Stella never drove a car in her life! She never had to. Living in the Bronx, New York had its perks. Stores were either within walking distance or accessible by public transportation. My Grandpa Charlie predeceased her by 20 years, almost to the day. For that time, she lived independently and on her own. It was a close-knit neighborhood. Storeowners knew their customers and neighbors were friends. Needless to say, Stella and her Italian cooking were a hit in the neighborhood as well.
Sunday Dinner
As I got older, I made frequent trips to her apartment to visit. We were very close. It was during those visits that I learned the art of cooking Italian food. Meatballs and Gravy (yes, I said Gravy) to be exact. Cooking a Sunday dinner was a labor of love for Stella and that has carried over for me as well. To this day, the aroma of frying meatballs still brings me back to those Sunday dinners with a house full of family. Chatter so loud it could shatter a window and be heard a block away. She would stand at that stove all day. Her eyes lit up watching her family gobble up the food she cooked. I'm not sure I ever saw her eat a morsel. Her passion was her family's happiness.
I'd like to think I inherited that passion for family from her, as well as learning her cooking skills. Life is so busy these days, I find we need to take the time to appreciate what we all once had. Togetherness.
The Later Years
In her later years, Stella developed Dementia (Alzheimer's). In the beginning stages, we had a Home Health Aide for her at her apartment in the Bronx. Coupled with the Aide and some wonderful neighbors, she was able to keep her apartment for a while. Once it became too dangerous for her to stay unattended, we moved her out to Long Island at my Mom's house and finally into a Nursing Home facility.
By this time, Stella had lost the ability to speak. The fact that she did not speak did not at all hinder the communication process between her and I. Our bond was too strong to break. I visited her at the Nursing home every possible chance I had. I was there so often; the other residents began to think I was related to them as well! I went with it. Many of them were just needing the love of a family member, and unfortunately, they were not getting that. So many residents never received visitors. It broke my heart. Even after Stella passed away, I continued to volunteer in the Nursing Home.
To this day, I vividly recall the day we lost Stella and I miss her terribly. What I find comforting are the memories I have, and the wonderful traits I feel I have inherited from her.
Hopefully, she approves of the nickname Spicy Meatball and of course, the car being named after her! I can just imagine what she's saying right now!
Be the inspiration everyone needs.
Thank you for reading,


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Belmont Wetlands Protection Bylaw - Draft
as of December 19, 2005
Wetlands ByLaw Working DRAFT as of 12/19/2005
Town of Belmont Wetlands Protection Bylaw/Ordinance
I. Purpose
The purpose of this bylaw is to maintain the quality of surface water, the quality and level of the ground water table and water recharge areas for existing or potential water supplies; to protect the public health and safety; to protect persons and property against the hazards of flood water inundation; and to provide for the reasonable protection and conservation of certain irreplaceable natural features, resources, and amenities for the benefit and welfare of the present and future inhabitants of the Town of Belmont, hereinafter referred to as "the Town."
This bylaw is intended to utilize the Home Rule authority of this municipality to protect additional resource areas, for additional values, with additional standards and procedures to augment those of the Wetlands Protection Act (G.L. Ch. 131 §40) and Regulations thereunder (310 CMR 10.00).
Therefore this bylaw protects the wetlands, water resources, and adjoining land areas in the Town by controlling activities deemed by the Conservation Commission (hereinafter referred to as "the Commission") likely to have a significant effect, immediate or cumulative, upon resource area values including, but not limited to, the following: public or private water supply, groundwater, flood control, erosion and sedimentation control, storm damage prevention, water quality, pollution prevention, fisheries, wildlife habitat, rare species habitat including rare plant and animal species, agriculture, recreation values, or the historic, natural or scenic character of wetland resource areas deemed important to the community (collectively, the "resource area values protected by this bylaw").
II. Jurisdiction
Except as permitted by the Commission or as provided in this bylaw, no person shall commence to remove, fill, dredge, build upon, degrade, pollute, discharge into, or otherwise alter the following resource areas: any freshwater wetlands, marshes, wet meadows, bogs, swamps, certified or uncertified vernal pools, springs, banks, lakes, ponds of any size, and lands under water bodies: lands adjoining these resources out to a distance of 100 feet, known as buffer zone; rivers, streams, brooks and creeks whether perennial or intermittent: lands adjoining these resource areas out to a distance of 200 feet, known as the riverfront area; lands subject to flooding or inundation by groundwater or surface water (collectively the "resource areas protected by this bylaw"). Said resource areas shall be protected whether or not they border surface waters.
III. Exemptions and Exceptions
Agriculture: The application and permit required by this bylaw shall not be required for work performed for normal maintenance or improvement of land which is lawfully in agricultural use as defined by the Wetlands Protection Act Regulations at 310 CMR 10.04.
Utilities: The application and permit required by this bylaw shall not be required for maintaining, repairing, or replacing, but not substantially changing or enlarging, an existing and lawfully located structure or facility used in the service of the public to provide electric, gas, water, sanitary sewer system, storm water drains, telephone, telegraph, or other telecommunication services, provided that written notice has been given to the Commission prior to commencement of work, and provided that the work conforms to any performance standards and design specifications in regulations adopted by the Commission.
Emergency Project: The application and permit required by this bylaw shall not be required for emergency projects necessary for the protection of the health and safety of the public, provided that: the work is to be performed by or has been ordered to be performed by an agency of the Commonwealth of Massachusetts, hereinafter referred to as "the Commonwealth" or a political subdivision thereof; advance notice, oral or written, has been given to the Commission prior to commencement of work or within 24 hours after commencement; the Commission or its agent certifies the work as an emergency project; the work is performed only for the time and place certified by the Commission for the limited purposes necessary to abate the emergency; and within 21 days of commencement of an emergency project a permit application is filed with the Commission for review as provided by this bylaw. Upon failure to meet these and other requirements of the Commission, the Commission may, after notice and a public hearing, revoke or modify an emergency project approval and order restoration and mitigation measures.
Other than stated in this section, the exceptions provided in the Wetlands Protection Act (G.L. Ch. 131 §40) and Regulations (310 CMR 10.00) shall not apply under this bylaw.
IV. Applications and Fees
Application: Written application shall be filed with the Commission to perform activities affecting resource areas protected by this bylaw. The permit application shall include such information and plans as are deemed necessary by the Commission to describe proposed activities and their effects on the resource areas protected by this bylaw. No activities shall commence without receiving and complying with a permit issued pursuant to this bylaw.
The Commission in an appropriate case may accept as the application and plans under this bylaw any application and plans filed under the Wetlands Protection Act (G.L. Ch. 131 §40) and Regulations (310 CMR 10.00).
Request for Determination: Any person desiring to know whether or not a proposed activity or an area is subject to this bylaw may in writing request a determination from the Commission. Such a Request for Determination (RFD) shall include information and plans as are deemed necessary by the Commission.
Filing Fee: At the time of an application, the applicant shall pay a filing fee specified in Regulations of the Commission. The fee is in addition to that required by the Wetlands Protection Act and Regulations and is nonrefundable. The fee shall be deposited in a dedicated account, for use only for wetland protection activities, from which the Commission may withdraw funds without further appropriation.
Consultant Fee: Upon receipt of an application, RFD, or at any point during the hearing process, the Commission is authorized to require an applicant to pay a fee for the reasonable costs and expenses borne by the Commission for specific expert engineering, scientific, legal, and other consultant services deemed necessary by the Commission to come to a final decision on the application.
This fee is called the "consultant fee." The specific consultant services may include, but are not limited to, performing or verifying the accuracy of resource area survey and delineation; analyzing resource area functions and values, including wildlife habitat evaluations, wildlife surveys, hydro-geologic and drainage analysis; and researching environmental or land use law.
The exercise of discretion by the Commission in making its determination to require the payment of a consultant fee shall be based upon its reasonable finding that additional information available only through outside consultants is necessary for the making of an objective decision.
Method of Payment: The Commission may require the payment of the consultant fee at any point in its deliberations prior to a final decision. The applicant's fee shall be put into an account that the Commission may draw upon for specific consultant services approved by the Commission at one of its public meetings. Any unused portion of the consultant fee shall be returned to the applicant unless the Commission decides at a public meeting that additional services will be required.
Waiver of Fee: The Commission may waive the filing fee, consultant fee, and costs and expenses for a permit or other application or RFD filed by a government agency.
Fee Schedule: The maximum consultant fee charged to reimburse the Commission for reasonable costs and expenses shall be according to the following schedule:
Project Cost ($) - Maximum Fee ($)
Up to 100,000 500
100,001 - 500,000 2,500
500,001 - 1,000,000 5,000
1,000,001 - 1,500,000 7,500
1,500,001 - 2,000,000 10,000
Each additional $500,000 project cost increment (over $2,000,000) may be charged not more than an additional $2,500 maximum fee per increment.
The project cost means the estimated, entire cost of the project, including but not limited to resource area delineation, building design and construction, site preparation, landscaping, and all site improvements. The consultant fee shall be paid pro rata for that portion of the project cost applicable to those activities within resource areas protected by this bylaw. The project shall not be segmented to avoid the consultant fee. The applicant shall submit estimated project costs at the Commission's request, but the lack of such estimated project costs shall not impact payment of the consultant fee.
V. Notice and Hearings
Notice: Any person filing a permit or other application or RFD with the Commission at the same time shall give written notice thereof, by certified mail (return receipt requested) or hand delivered, to all abutters at their mailing addresses shown on the most recent applicable tax list of the assessors, including owners of land directly opposite on any public or private street or way, and abutters to the abutters within 300 feet of the property line of the applicant, including any in another municipality or across a body of water. The notice to abutters shall have enclosed a copy of the application or request, with plans, or shall state where copies may be examined and obtained by abutters.
An affidavit of the person providing such notice, with a copy of the notice mailed or delivered, shall be filed with the Commission. Failure to provide such evidence shall be grounds for rescheduling of the hearing, or, if intentional or repeated, denial of the requested permit. When a person requesting a determination is other than the owner, the request, the notice of the hearing, and the determination itself shall be sent by the Commission to the owner as well as to the person making the request.
Public Hearing: The Commission shall conduct a public hearing on any permit application, Abbreviated Notice of Resource Area Delineation (ANORAD), or RFD, with written notice given at the expense of the applicant, at least five business days prior to the hearing in a newspaper of general circulation in the municipality.
The Commission shall commence the public hearing within 21 days from receipt of a completed permit application.
Abbreviated Notice of Resource Area Delineation: ANORAD or RFD The Commission shall issue its permit, other order, or determination in writing within 21 days of the close of the public hearing thereon unless an extension is authorized in writing by the applicant.
The Commission in an appropriate case may combine its hearing under this bylaw with the hearing conducted under the Wetlands Protection Act (G.L. Ch.131 §40) and Regulations (310 CMR 10.00).
Continuation of Hearing: The Commission shall have authority to continue the hearing to a specific date announced at the hearing, for reasons stated at the hearing, which may include the need for additional information from the applicant or others deemed necessary by the Commission at its discretion, based on comments and recommendations of the boards and officials listed in §VI.
VI. Coordination with Other Boards
At the
request of the Commission, any person filing a permit application: Notice
of Intent (NOI), ANORAD, or RFD with the Commission, or any amendment thereof,
shall provide a copy thereof, together with any accompanying plans, within
seven (7) days after filing with the Commission, by certified mail (return
VII. Permits and Conditions
Issuance of Permit: If the Commission, after a public hearing, determines that the activities which are subject to the permit application, or the land and water uses which will result therefrom, are likely to have a significant individual or cumulative effect upon the resource area values protected by this bylaw, the Commission, within 21 days of the close of the hearing, shall issue or deny a permit for the activities requested. If it issues a permit, the Commission shall impose conditions which the Commission deems necessary or desirable to protect those values, and all activities shall be done in accordance with those conditions. The Commission shall take into account the cumulative adverse effects of loss, degradation, isolation, and replication of protected resource areas throughout the community and the watershed, resulting from past activities, permitted and exempt, and foreseeable future activities.
Denial of Permit: The Commission is empowered to deny a permit for failure to meet the requirements of this bylaw. It may also deny a permit for failure to: submit necessary information and plans requested by the Commission; meet the design specifications, performance standards, and other requirements in regulations of the Commission; or avoid or prevent unacceptable significant or cumulative effects upon the resource area values protected by this bylaw, and where no conditions are adequate to protect those values.
The Commission may deny a permit if the applicant has not submitted all components related to the proposed project, including but not limited to utilities, roadways, and sewers. The project shall not be segmented to avoid review of its total impact.
The Commission shall in no event be required to accept an application until all permits required by Town boards have been applied for.
In reviewing activities within the buffer zone the Commission shall presume the buffer zone is important to the protection of other resource areas because activities undertaken in close proximity have a high likelihood of adverse impact, either immediately, as a consequence of construction, or over time, as a consequence of daily operation or existence of the activities. These adverse impacts from construction and use can include, without limitation, erosion, siltation, loss of groundwater recharge, poor water quality, and loss of wildlife habitat.
In reviewing activities within the riverfront area, the Commission shall presume the riverfront area is important to all the resource area values unless demonstrated otherwise, and no permit issued hereunder shall permit any activities unless the applicant, in addition to meeting the otherwise applicable requirements of this bylaw, has proved by a preponderance of the evidence that (1) there is no practicable alternative to the proposed project with less adverse effects, and that (2) such activities, including proposed mitigation measures, will have no significant adverse impact on the areas or values protected by this bylaw. The Commission shall regard as practicable an alternative which is reasonably available and capable of being done after taking into consideration the proposed property use, overall project purpose (e.g. residential, institutional, commercial, or industrial,) logistics, existing technology, costs of the alternatives and overall project costs.
The Commission establishes a no-alteration zone of 25' abutting the resource areas where no alteration is allowed during or after the work and landscaping limits are clearly identified. The Commission also establishes a no-permanent structure requirement within the first 50' of the buffer zone. The Commission may require strips of continuous, undisturbed vegetative cover within the 100-foot area, or other form of work limit or setback to buildings, roads, landscaping, and other features, unless the applicant convinces the Commission that the area or part of it may be disturbed without harm to the values protected by the bylaw.
Avoidance of Resource Area Loss or Alteration: To prevent resource area loss, the Commission shall require applicants to avoid alteration wherever feasible, minimize alteration, and, where alteration is unavoidable, require full mitigation. The Commission may authorize or require replication of wetlands as a form of mitigation, but only with specific plans, proper safeguards, adequate security, professional design, and professional monitoring and reporting to assure success, because of the high likelihood of failure of replication.
Wildlife Habitat: The Commission may require a wildlife survey and habitat study of the project area, to be paid for by the applicant, whenever it deems appropriate, regardless of the type of resource area or the amount or type of alteration proposed. The decision shall be based upon the Commission's estimation of the importance of the habitat area considering, but not limited to such factors as proximity to other areas suitable for wildlife, importance of wildlife corridors in the area, or possible presence of rare species in the area. The work shall be performed by an individual who meets the qualifications set out in the wildlife habitat section of the Wetlands Protection Act Regulations (310 CMR 10.60).
Vernal Pools:
The Commission shall presume that all areas meeting the definition of "vernal pools" under §IX of this bylaw, including the adjacent area, perform essential habitat functions. Any formal evaluation should be performed by an individual who meets the qualifications set out in the wildlife habitat section of the Wetlands Protection Act Regulations.
Expiration of Permit: A permit shall expire three years from the date of issuance. Notwithstanding the above, the Commission in its discretion may issue a permit expiring five years from the date of issuance for recurring or continuous maintenance work, provided that annual notification of time and location of work is given to the Commission. A permit may be renewed once for an additional one year period, provided that a request for a renewal is received in writing by the Commission at least 30 days prior to expiration of the permit, provided that the Commission finds that: 1. good cause has been shown for each extension, and 2: such extension will not have significant adverse effects, immediate or cumulative, upon any of the wetland values protected by this bylaw. Notwithstanding the above, a permit may identify requirements which shall be enforceable for a stated number of years, indefinitely, or until permanent protection is in place, and shall apply to all owners of the land.
Revocation of Permit: The Commission may revoke any permit, other order, determination, or other decision issued under this bylaw for good cause, such as, but not limited to: the violations of this bylaw, submission of false or erroneous information, or new information that substantially alters the likely impact on wetlands resources or values. The Commission shall give notice to the holder of the permit, the public, abutters, and Town boards, pursuant to §V and §VI, and hold a public hearing. Amendments to Permits or Determinations shall be handled in the manner set out in the Wetlands Protection Act Regulations and policies thereunder.
Coordination of Permit with Order of Conditions: The Commission in an appropriate case may combine the decision issued under this bylaw with the Order of Conditions, Order of Resource Area Delineation (ORAD), Determination of Applicability, or Certificate of Compliance issued under the Wetlands Protection Act and Regulations.
Recording of Permit: No work proposed in any application shall be undertaken until the Permit, ORAD, or Determination issued by the Commission with respect to such work has been recorded in the Registry of Deeds or, if the land affected is registered land, in the Registry Section of the Land Court for the district wherein the land lies, and until the holder of the Permit certifies in writing to the Commission that the document has been recorded or provides the Commission with a copy of the recording information or other evidence of recordation with the appropriate Registry.
VIII. Regulations
After public notice and public hearing, the Commission shall promulgate rules and regulations to effectuate the purposes of this bylaw, effective when voted and filed with the Town or Town Clerk. Failure by the Commission to promulgate such rules and regulations or a legal declaration of their invalidity by a court of law shall not act to suspend or invalidate the effect of this bylaw.
At a minimum these regulations shall define key terms in this bylaw not inconsistent with the bylaw, and procedures governing the amount and filing of fees.
IX. Definitions
The following definitions shall apply in the interpretation and implementation of this bylaw.
Alter: The term "alter" shall include, without limitation, the following activities when undertaken to, upon, within, or affecting resource areas protected by this bylaw:
A. Removal, excavation, or dredging of soil, sand, gravel, or aggregate materials of any kind;
B. Changing of preexisting drainage characteristics, flushing characteristics, salinity distribution, sedimentation patterns, flow patterns, or flood retention characteristics;
C. Drainage, or other disturbance of water level or water table;
D. Dumping, discharging, or filling with any material which may degrade water quality;
E. Placing of fill, or removal of material, which would alter elevation;
F. Driving of piles, or erection, expansion, or repair of buildings or structures of any kind;
G. Placing of obstructions or objects in water;
H. Destruction of plant life including cutting or trimming of trees or shrubs;
I. Changing temperature, biochemical oxygen demand, or other physical, biological, or chemical characteristics of any waters;
J. Any activities, changes, or work which may cause or tend to contribute to pollution of any body of water or groundwater including without limitation any activities which may cause surface water runoff contaminated with sediment, chemicals, or animal waste;
K. Incremental activities which have, or may have, a cumulative adverse impact on the resource areas protected by this bylaw.
Bank: The term "bank" shall include the land area which normally abuts and confines a water body; the lower boundary being the mean annual low flow level, and the upper boundary being the first observable break in the slope or the mean annual flood level, whichever is higher.
Land subject to flooding or inundation: shall mean land within the estimated maximum lateral extent of flood water which will theoretically result from the statistical 100-year frequency storm, said boundary shall be that determined by reference to the most recently available flood profile data prepared for the geographical area including Belmont within which the work is proposed under the National Flood Insurance Program ("NFIP"). Where NFIP data are unavailable or outdated, the boundary of said land shall be based on the maximum lateral extent of floodwater which has been observed or recorded, or other evidence presented and considered by the Commission. Said land shall also include isolated areas which frequently or seasonably hold standing water; such areas may or may not be characterized by wetland vegetation or soil characteristics.
Person: The term "person" shall include any individual, group of individuals, association, partnership, corporation, company, business organization, trust, estate, the Commonwealth or political subdivision thereof to the extent subject to town bylaws, administrative agency, public or quasi-public corporation or body, this municipality, and any other legal entity, its legal representatives, agents, or assigns.
Pond: The term "pond" shall follow the definition of 310 CMR 10.04 except that the size threshold of 10,000 square feet shall not apply.
Rare Species: The term "rare species" shall include, without limitation, all vertebrate and invertebrate animal and all plant species listed as endangered, threatened, or of special concern by the Massachusetts Division of Fisheries and Wildlife, regardless of whether the site in which they occur has been previously identified by the Division.
Vernal Pool: The term "vernal pool" shall include, in addition to scientific definitions found in the regulations under the Wetlands Protection Act, any confined basin or depression not occurring in existing lawns, gardens, landscaped areas, or driveways which, at least in most years, holds water for a minimum of two continuous months during the spring and/or summer, is free of adult (predatory) fish populations, and provides essential breeding and rearing habitat functions for amphibian, reptile, or other vernal pool community species, regardless of whether the site has been certified by the Massachusetts Division of Fisheries and Wildlife. The boundary of the resource area for vernal pools shall be 100 feet outward from the mean annual high-water line defining the depression, but shall not include existing lawns, gardens, landscaped, or developed areas.
Consistency with Wetlands Protection Act: Except as otherwise provided in this bylaw or in regulations of the Commission, the definitions of terms and procedures in this bylaw shall be as set forth in the Wetlands Protection Act (G.L. Ch. 131 §40) and Regulations (310 CMR 10.00).
X. Security
As part of the permit issued under this bylaw, the Commission may request a conservation restriction, easement, or other covenant enforceable in a court of law, executed and duly recorded by the owner of record, running with the land to the benefit of this Town whereby the permit conditions shall be performed and observed before any lot may be conveyed other than by mortgage deed; this method shall be used only with the consent of the applicant.
XI. Enforcement
Prohibition: No person shall remove, fill, dredge, build upon, degrade, or otherwise alter resource areas protected by this bylaw, or cause, suffer, or allow such activity, or leave in place unauthorized fill, or otherwise fail to restore illegally altered land to its original condition, or fail to comply with a permit or an enforcement order issued pursuant to this bylaw.
Entry on Property: The Commission, its agents, officers, and employees shall have authority to enter upon privately owned land for the purpose of performing their duties under this bylaw and may make or cause to be made such examinations, surveys, or sampling as the Commission deems necessary, subject to the constitutions and laws of the United States and the Commonwealth.
Enforcement: The Commission shall have authority to enforce this bylaw, its regulations, and permits issued thereunder by violation notices, enforcement orders under the Town's non-criminal disposition section of its general bylaws (Section 20.12), pursuant to citations under G.L. Ch. 40 §21D, and civil and criminal court actions. Any person who violates provisions of this bylaw may be ordered to restore the property to its original condition and take other action deemed necessary to remedy such violations, or may be fined, or both.
Upon request of the Commission, the Board of Selectmen and Town Counsel shall take legal action for enforcement under civil law. Upon request of the Commission, the Chief of Police shall take legal action for enforcement under criminal law.
Municipal boards and officers, including any police officer or other officer having police powers, shall have authority to assist the Commission in enforcement.
Fine: Any person who violates any provision of this bylaw, or regulations, permits, or administrative orders issued thereunder, shall be punished by a fine of not more than $300. Each day or portion thereof during which a violation continues, or unauthorized fill or other alteration remains in place, shall constitute a separate offense, and each provision of the bylaw, regulations, permits, or administrative orders violated shall constitute a separate offense.
XII. Burden of Proof
Preponderance of Evidence: The applicant for a permit shall have the burden of proving by a preponderance of the credible evidence that the work proposed in the permit application will not have unacceptable significant or cumulative effect upon the resource area values protected by this bylaw. Failure to provide adequate evidence to the Commission supporting this burden shall be sufficient cause for the Commission to deny a permit or grant a permit with conditions.
XIII. Appeals
Certiorari Appeal: A decision of the Commission shall be reviewable in the superior court in accordance with G.L. Ch. 249 §4.
XIV. Relation to the Wetlands Protection Act
Home Rule Authority: This bylaw is adopted under the Home Rule Amendment of the Massachusetts Constitution and the Home Rule statutes, independent of the Wetlands Protection Act (G.L. Ch. 131 §40) and Regulations (310 CMR 10.00) thereunder.
XV. Severability
Invalidity: The invalidity of any section or provision or phrase of this bylaw shall not invalidate any other section or provision or phrase thereof, nor shall it invalidate any permit, approval, or determination which previously has been issued.


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We provide mental healthcare across multiple reception centres in Sicily's Trapani province, where a team of cultural mediators and psychologists screen asylum seekers for psychological vulnerabilities and provide care to those in need.
For migrants in transit along Italy's borders with France, Switzerland, and Slovenia, we provide medical care, shelter, psychological care, food and other essential items.
In Rome, in collaboration with Italian NGOs Medici Contro la Tortura (Doctors against Torture) and Association for Law Studies on Migration (ASGI), we run a rehabilitation centre for torture survivors.
Survivors are treated using a range of approaches, including medical and psychological care, and physiotherapy.
I cannot accept that children or adults can die like this. I cannot accept it. Never.
G7 fail to address the biggest threats to global health
EU Migration Crisis Update - May 2016
MSF resumes Search and Rescue activities in the central Mediterranean
EU Migration Crisis Update - March 2016
EU Migration Crisis Update - February 2016
"My work is a real opportunity to help those in need, just like me."
European policies dramatically worsened the so-called 2015 "refugee crisis"
MSF ends activities in Pozzallo reception centre
Contact us
Via Magenta 5
00185 Rome


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Must Visit Cities in the United States
Las Vegas, Nevada: If you think that Las Vegas is only good for those who want to gamble, you couldn't be more wrong! The Las Vegas strip is a veritable playground for adults and children alike, with multiple resorts each boasting a different theme and vibe, making the area ripe for exploration! If you only have a few days here, you cannot hope to see and do all the town has to offer, but some of the absolute musts include seeing a Cirque de Soleil show, watching the awe-inspiriting fountain show at the Bellagio and paying a visit to Siegfried and Roy's Secret Garden at the Mirage. Here, you will not only find the iconic white tigers that were the star of their show for many years, but many other big cat species coupled with a dolphin tank that can be viewed underwater! If you are feeling adventurous, take a cab from the strip to the downtown area, where you can zipline over the infamous Freemont Street!
New York City, New York: Perhaps the most famous city in all of America, the Big Apple has much to do for visitors. There are the most famous tourist activities to indulge in, such as taking a tour of the Statue of Liberty and Ellis Island, wandering through Central Park or gazing at the lights of Time Square, yet there is a hidden side to this city that is also well worth exploring. For a truly humbling experience, you can go and pay your respects to those who lost their lives in the September 11th terrorist attacks of 2001 at the very site where the former World Trade Centers collapsed or mosey down the still-hip fifth avenue for some fabulous shopping options. IF you are looking to educate yourself, you can visit the world famous Metropolitan Museum of Art or the American Museum of Natural History or catch a live performance on Broadway! New York is also famous for its wonderful restaurants, yet no trip to New York would be complete without a visit to Katz Deli, where you can sink your teeth into a hot pastrami sandwich coupled with a kosher dill pickle spear for a true New York experience!
Seattle, Washington: Yes, Seattle is famous for its rainy weather. While there are not many sunny days here, if you fenagle a visit during the late summer (August through early September) you have the best odds of witnessing a sunny day. While sunshine on a city may seem rather arbitrary, witnessing Seattle on a clear, fair day is nothing short of absolutely breath taking! Not only do you get an up-close view of what is largely considered one of the most beautiful skylines in America, you can also witness the jaw-dropping mountains off in the distance! If you only come here once, you must visit the city's most iconic landmark, the Space Needle, but you will also want to make time to visit the famous Pikes Place Market, which vibrates with energy and good cheer as local fishermen sell some of the freshest seafood available anywhere!
Washington DC, District of Colombia: As the nation's capital, it is hardly surprising that there is so much to see and do here! First and foremost, you will want to make time to visit the many museums, some of which are considered to be the best in the world! While you must pick and choose due to the sheer volume, if you can only see a few, be sure to make time for the National Musuem of Natural History, the National Air and Space Museum and the National Museum of the American Indian. Of course, you must pay a token visit to the White House, yet the true magic of exploring Washington DC lies in visiting its many monuments! The three most famous are the Lincoln Memorial, the Washington Monument and the Thomas Jefferson Memorial, yet there are many more to explore, including the sobering Vietnam Veteran's Wall and the World War Two Monument.


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Sprint CEO says WiMAX Available Now and Best Hope for Rural Broadband
WASHINGTON, October 25 – WiMAX mobile broadband technology will unleash wireless customers and spur the development of new devices and business models which can harness "true broadband" on the go, Sprint-Nextel CEO Dan Hesse said Friday at the National Press Club.
WASHINGTON, October 25 - WiMAX mobile broadband technology will unleash wireless customers and spur the development of new devices and business models which can harness "true broadband" on the go, Sprint-Nextel CEO Dan Hesse said Friday at the National Press Club.
Wireless services will continue to grow in spite of national economic slowdowns as businesses and consumers alike now see wireless as a necessity, said Hesse. More customers are "cutting the cord," he explained, referring to individuals who reject landline telephone completely.
Hesse said that telecom industry revenue from wireless voice outpaced wireline services for the first time last year.
The greatest growth potential remains in the market for data services, Hesse said. Consumers are now spending increasing amounts of time using their phones for web browsing. And businesses take advantage of wireless data services to streamline operations and save money.
Increased efficiency from adoption of wireless technologies could result in $860 billion in savings for customers while allowing the market to grow despite a tough economic climate, Hesse predicted.
WiMax will allow Sprint-Nextel to explore "revolutionary" new business models, Hesse said. The Baltimore market test shows that "WiMAX is real," Hesse said, adding that Sprint plans to expand into new markets in the last quarter of this year, with a full build-out of the network by 2010. Hesse said he hopes that the FCC will approve Sprint's proposed merger with Clearwire "very soon," which will allow for a faster build-out.
Hesse said Sprint chose to use WiMAX over rival LTE (Long Term Evolution) technology because unlike LTE, WiMAX is "available now...and consumers want it now." Sprint was "not waiting" to deliver true mobile broadband while the LTE standard is still being finalized, he said. By launching now, Hesse said Sprint could take advantage of its existing fiber networks for backbone capability to support increased wireless traffic.
Sprint is forming partnerships with other companies to allow all kinds of devices to be sold without service contracts, Hesse said. The WiMAX network will be open to all consumers using a variety of price models, he said. Hesse criticized LTE as suited to the "traditional" business model of the wireless industry. "WiMAX is different," he said.
WiMAX will allow true broadband in rural areas where building fiber networks would be cost-prohibitive, Hesse said. But he predicted some kind of subsidy or public-private partnership will be required so all Americans can afford and receive service.
The next President should take WiMAX seriously as an alternative for universal broadband services, Hesse said. Expanding fiber networks to rural areas is unlikely since incumbent networks don't already have wires in the ground, he said.
Hesse cautioned against a Democratic administration enacting "Orwellian" network neutrality regulations, a possibility he called a "great concern" to the wireless industry. Carriers must sometimes serve the interests of the many at the expense of the few because of limited bandwidth, Hesse said. At its core, the Internet is a collection of private networks that should remain unregulated, he said. "Once it starts, where is it going to end?"
1 Comment
Don't forget that in the Sprint/Clearwire deal is also Google money too. With the increased Google interest in the mobile world I could see this new wireless technology as a winner.
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One of the classiest, and easiest, groomsmen gifts is a black leather travel kit. It's not only sleek and stylish but it serves practical purposes as well, ensuring that your groomsmen will get plenty of use out of this gift. Crafted from long-lasting leather and vinyl, it's the type of gift that will hold up through many vacations and frequent flyer miles. The travel kit measures approximately 11 1/2" by 5" by 5 1/2". With these measurements, it's large enough to accommodate every groomsman's travel essentials while only taking up a small amount of space in a suitcase. Embroider with up to seven characters in thread color of your choice.
Most Items will ship within 1-2 business days depending on availability. Delivery will take an additional 3-5 business days depending on your location. Order ship from Medina, Minnesota. If you have a question regarding delivery, please call us at 1-866-598-8979.
We offer 3 shipping methods which can be chosen at checkout. We do not ship orders to international destinations.
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The European Commission President was attending a dinner at the NATO summit in Brussels attended by US President Donald Trump and a number of other world leaders. Juncker was stumbling and swaying to the extent that the presidents of Finland and Ukraine, among others, had to help keep the 63-year-old upright. Dutch Prime Minister Mark Rutte also stepped in to guide Juncker.
Original Article: http://www.dailymail.co.uk/wires/ap/article-5946491/Juncker-struggles-gala-leaders-step-help.html
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Home »
Automating Canopy Up and Over Garage Doors
Electric Up and Over Doors
Most good quality up and over canopy doors can be easily automated using a good quality traditional boom type electric operator. You do however need a canopy bow arm converter kit which in principal applies forces to the top and lower part of the door panel in order to open the door successfully. If you go to your canopy door right now and from the inside grab the top and middle of the panel and pull the door backwards you will find the door opens about 2/3rds of the way with your pulling force and then sticks. The final opening movement requires a gentle push from the lower half of the door panel and this is what the bow arm converter does. bow arm converter on a canopy door with windows
Bow Arm Converter
The bow arm converter is exactly as described in that it is like a bow from a bow and arrow set, only made from steel. (see picture to the right)
The flat part of this device installs directly onto the back of the door panel centrally and then the garage door operator towing arm fits to a sliding mechanism on the curved part of the converter. As the canopy door opens the slider moves up the bow arm and a force is gently applied lower down to open the door fully. The closing cycle is obviously in reverse.
We have fitted hundreds of these over 26 years, and they all provide perfectly fine service. The only proviso we apply with an existing garage door is that it is working smoothly and the door panel is strong enough overall to take the bow arm forces. Some older door panels in steel and GRP are not strong enough to take these converters and have far too much flex in the panel construction.
Many websites will tell you not to use canopy converters and to change doors to retractable systems, however this is simply not true, and the best thing about a bow arm converter is that it drives the door panel directly. The bow arm system also locks the door very positively and securely without the manual latches required.
It is important to use a reasonably powerful and high quality boom operator with a bow arm converter as there are a lot more forces involved, and in order for the safety reverse sytem to work properly the door needs to be working smoothly before installation.
The only downside perhaps to a bow arm converter is the loss of drivethrough clearance on the headroom when the door is open.
However, remember you have retained all the drivethrough width, which would not be the case if installing a fully retractable garage door as the lifting arms would sit inbetween the sub frame reducing the width when open. The loss of headroom depends on the make of bow arm used but is generally about 100 -150mm and
is only in the middle.
Typical Hormann bow arm kit for non Hormann canopy doors A typical conversion bow arm kit for most canopy type up and over one piece doors with adjustment for adapting to different door heights and operator towing arms.
The only canopy doors that can be a problem to fix this converter system to are doors that have vertical strengthening struts on the inside of the panel and therfore no horizontal struts to fix to between the top of the door and the middle section. This can be overcome with extra steel struts fitted across the door but beware of the extra weight being added.
Canopy Up & Over Garage Doors
The definition of a canopy garage door system can sometimes get a little confusing as there are many older garage doors still in operation that seem to be canopy type doors as they do not have horizontally canopy up and over garage dor with steel sub framepositioned roller tracks or have shorter roller tracks still making the door panel protrude a third when open. The best definition is that a canopy one piece up and over garage door is any door with a torsion spring directly above the door panel and vertical side guides for the rollers at each side. There are still many double width older garage doors with spring systems across the middle of the door or double width doors with springs above the door but for remote control electric operation apply the simple rule of only making canopy garage doors up to 8 feet (2438mm) wide electrically operated.
Remember all canopy garage doors manufactured today are only available up to 8 feet wide (2438mm) and above that width they are all using retractable operating gear. Also remember canopy garage doors always give you the full width drive through when open and have no obstructions at the side which is one of the main reasons for using a canopy door when the door size is only 7 feet (2134mm) wide. You will usually need all of the width at this size to be able to use the door opening for a normal modern car to drive through without catching wing mirrors or door panels.
This short video shows a Hormann canopy garage door with a bow arm system working. The Hormann canopy doors are one of the easiest garage doors to automate with this bow arm system as the door panels are so strong and rigid avoiding any movement which may cause the operator to think it is detecting an obstacle and stop.
Many garage doors do not have sufficient panel strength to successfully automate with a bow arm system.
NEW: The Canopy Lifting Arm
Hormann and Garador have recently released a world-first in automating canopy up and over garage doors, introducing the canopy lifting arm.
Typically, canopy doors that are electrically operated are fitted with a bow-arm conversion which reduces drive-through height, as well as affecting the overall appearance of the internal side of the door.
The canopy lifting arm however, solves these issues as it sits in a different position and is simply fitted to the shutter boom, which can be installed during the installation of a new garage door or at a later date.
Read our news item to find out more >
If in doubt, feel free to contact us via telephone (0800 525 442) or fill out our Contact Form.


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Short Bio
Ioana Dimitriu graduated from the Faculty of Modern Languages and Literatures in Bucharest, Romania, where she was granted admission without sitting for the Entrance Examination, for having obtained the First Prize in the National Olympiad of Spanish Language and Literature in two consecutive years. Subsequently, she completed a Master's degree in Linguistics at the University of Ottawa, and in the year 2010 she defended her Doctoral Dissertation in Spanish. Her Thesis in Compared Literature focused on the literary labyrinth in the fantastic prose written by the Argentinean author Jorge Luis Borges, and by the Romanian historian of religions and writer Mircea Eliade. She currently works as a Spanish Lecturer at Carleton University in Ottawa, Canada.


text: Jenny Hosford has a background in the financial industry and an associate's degree from Florida State College at Jacksonville. She has been with our company since February, 2013, as a Client Manager for financial advisor Clarence Brown. She loves being able to make a difference in the lives of others and enjoys working for a company where everyone puts the client's best interest first. Jenny loves spending time with her husband and children, and she is an avid Florida Gator fan.