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What are the different types of Annuities?
The five main categories of annuities are:
- Fixed Annuities
- Variable Annuities
- Fixed-Indexed Annuities
- Immediate Annuities
- Deferred Annuities
Depending on your situation every annuity type has advantages and disadvantages. Finding the annuity that works best for your situation will depend on variables including: risk tolerance, preferred payout start date, desired cash flow and your overall investment portfolio goals.
Fixed Annuities – a.k.a. Multi-Year Rate Guaranteed (MYGA)
What are fixed annuities? Fixed Annuities (MYGAs) have a defined percentage yield written into the contract and are guaranteed for a specified period of time. Compared to Certificate of Deposits, Fixed Annuities offer great rates for fixed term investments. A difference worth noting between the asset classes is that with CDs, you pay the taxes annually on the interest earned. In contrast, with Fixed Rate Annuities, you defer taxes on the interest earned until money is dispersed. That means that the interest rate compounds while it is tax deferred, which can be viewed as an added benefit for many investors.
Read more about Fixed Annuities (What Is a Fixed Annuity?)
Variable Annuities
What are variable annuities? Variable annuities provide the savvy investor with a means to invest in annuities that ties the returns to a basket of other subaccounts, like mutual funds. The earnings of the annuity is based on how well the subaccounts perform. Additionally, a rider can be attached to guarantee a minimum income stream independent of how well the market performs. This could prove important to hedge against underperforming subaccounts. Historically this has been an attractive investment for those planning on retirement and want potential for capital appreciation while securing a guaranteed minimum lifetime income.
Read more about Variable Annuities (What is a variable annuity?)
Equity Indexed Annuities – a.k.a Fixed-Indexed Annuity
What are equity index annuities? This annuity is popular with retirees who want to have a broader market participation in their annuity without downside risk. The basic formula is to take a fixed annuity and add a variable rate to it. The variable rate is usually tied to a market index like the S&P or the Dow Jones. While there is upside potential and participation in growing market indices the value is not 1 for 1. The upside gains are limited by participation rates, caps and spreads.
Read more about fixed/equity-indexed annuities (What are Equity-Indexed Annuities?)
Immediate Annuities
What are immediate annuities? In an immediate annuity you begin to receive payments immediately following purchase. The insurance company will begin payments within one year and continue for years to come. Disbursements are higher than other forms of annuities because with every payment a portion of the principal is included with interest. Compared to a life insurance plan where you pay into it every month and receive a lump sum upon death, with immediate annuities you pay into it at the beginning for guaranteed income for years to come. This is a popular annuity for someone looking to spend down their capital and still have it gaining an interest rate above a savings account rate.
Read more about Immediate Annuities
Deferred Annuities
What is a deferred annuity? A deferred annuity is a common annuity in which disbursements begin at a specified date in the future, usually more than one year, and will continue on set dates in the future. They offer a guaranteed return on your investment, while providing a secure stream of cash flow in the future. This is a preferred annuity for someone who wants to guarantee an income in the future when it will be needed.
Read more about Deferred annuities.
Among the various specific types of annuities, they all share a common basic idea. Annuities are all basically a contract with an insurance company and an annuitant for a guaranteed income stream.
Annuities are meant to be part of a broader investment portfolio. Typically, annuities will offer attractive returns for lower risk, in return for lower liquidity. Depending on your age and investment goals you might want to have up to 50% of your investment portfolio allocated in annuities.
For retirees who do not want to worry about the ups and downs of the stock market an annuity might be a good choice. The annuity contract defines specific payouts and returns that can be independent of stock market performance.
Corporations who are seeking to manage long term cash flow could also turn to annuities. Since annuities traditionally offer higher rates of return than Certificate of Deposits, savings accounts and even bonds, many corporations prefer annuities for long term investing.
Altogether, there are hundreds of various types of annuities. Variations based on additional riders, terms and payment features means that finding an annuity that is good for your investment goals is quite possible. The important thing is that you, as a buyer, are aware of the various types of annuities so you can make the right decision about which type of annuity best suits your individual needs and goals.


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FBI Releases 2007 Statistics on Law Enforcement Officers Killed and Assaulted
by Jim Kouri
(This report is based on material obtained by National Association of Chiefs of Police.)
The FBI reported that 57 law enforcement officers were feloniously killed in the line of duty last year; 83 officers died in accidents while performing their official duties; and 59,201 officers suffered assaults while on duty. The 2007 edition of Law Enforcement Officers Killed and Assaulted released yesterday provides comprehensive tabular data about these incidents and brief narratives describing the fatal felonious attacks.
Felonious Deaths
The 57 felonious line-of-duty deaths took place during 51 separate incidents. The deaths occurred in 25 states and Puerto Rico. The number of officers feloniously killed in 2007 increased by nine compared with the 2006 figure (48 officers). A five-year comparison shows an increase of five line-of-duty deaths compared with data for 2003 (52 officers), and a decrease of four deaths compared with data for 1998 (61 officers).
Officer Profile: Among the officers who were feloniously killed, the average age was 37 years. The victim officers had served in law enforcement for an average of 10 years at the time of the fatal incidents. All of the slain officers were male; 47 officers were white.
Circumstances: Of the 57 officers feloniously killed, 16 of the slain officers were involved in arrest situations, 16 were ambushed, 11 were performing traffic stops, five were answering disturbance calls, and four were investigating suspicious persons or circumstances. Of the remaining five officers who were feloniously killed in the line of duty, three were in tactical situations (e.g., high-risk entry); one was performing investigative duties; and one had custody of a prisoner for transport.
Weapons: Offenders used firearms to kill 55 of the 57 victim officers. Of these 55 officers, 38 were slain with handguns, eight with rifles, and eight with shotguns. The type of firearm was not reported for one officer's death. Two officers were killed with vehicles that were used as weapons.
Region: An analysis of the data by region showed that 31 of the felonious deaths occurred in the South, nine in the West, seven in the Northeast, and nine in the Midwest. One of the deaths took place in Puerto Rico.
Suspects: Law enforcnement agencies identified 62 alleged assailants in connection with the 57 felonious line-of-duty deaths. Fifty-eight of the assailants had prior criminal records, and 19 of them were under judicial supervision at the time of the felonious incidents.
Accidental Deaths
Eighty-three law enforcement officers were killed in accidents while performing their duties in 2007. Automobile accidents claimed the highest number (49) of accidental line-of-duty deaths.
The Nation's law enforcement agencies reported to the FBI's Uniform Crime Reporting Program that 59,201 officers were assaulted while performing their duties. The largest percentage of victim officers (31.7 percent) were assaulted while responding to disturbance calls (family quarrels, bar fights, etc.). Assailants used personal weapons (hands, fists, feet, etc.) in 80.2 percent of the incidents, firearms in 3.7 percent of the incidents, and knives or other cutting instruments in 1.7 percent of the incidents. In 14.4 percent of the assaults, other types of weapons were used.
Jim Kouri
Chief of Police Magazine (Contributing Editor)
Send email feedback to Jim Kouri
Biography - Jim Kouri
Jim Kouri, CPP is currently fifth vice-president of the National Association of Chiefs of Police. He's former chief at a New York City housing project in Washington Heights nicknamed "Crack City" by reporters covering the drug war in the 1980s. In addition, he served as director of public safety at a New Jersey university and director of security for a number of organizations. He's also served on the National Drug Task Force and trained police and security officers throughout the country. He writes for many police and crime magazines including Chief of Police, Police Times, The Narc Officer, Campus Law Enforcement Journal, and others. He's appeared as on-air commentator for over 100 TV and radio news and talk shows including Oprah, McLaughlin Report, CNN Headline News, MTV, Fox News, etc. His book Assume The Position is available at Amazon.Com, Booksamillion.com, and can be ordered at local bookstores. Kouri holds a bachelor of science in criminal justice and master of arts in public administration and he's a board certified protection professional.
Visit Jim Kouri's website at Chief of Police Magazine
Copyright © 2008 by Jim KouriAll Rights Reserved.
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Five months after the December mass shooting by two terrorists that claimed 14 lives in San Bernardino, the California state Senate approved 11 bills designed to further restrict gun use in the state. The measures include but are not limited to: mandatory background checks for those buying ammunition, banning the manufacture and sale of semiautomatic rifles with detachable magazines, and allowing felony charges in all gun theft cases.
California already has some of the most complicated and restrictive gun laws in the country. Many consider California to have the strictest laws statewide, and according to data from the National Vital Statistics Reports from the Centers for Disease Control and Prevention, California has one of the lowest death by firearm rates as a percentage of overall population. However, in the year 2015 in the United States, there were 372 mass shootings, 64 school shootings, and more than 13,000 people were killed by firearms.
A series of new, stricter legislation already took effect at the beginning of 2016 in California. Beginning January 1st, California courts began issuing Gun Violence Restraining Orders, which prohibit an individual from owning or possessing firearms and ammunition. Immediate family members can file such a petition if they believe the individual in question poses a serious danger to himself or others. Other legislation included regulating the appearance of toy and BB guns (to prevent cases in which police officers mistakenly shoot someone with a toy weapon they believe to be real), and SB-707, which prohibits concealed weapons permit-holders from bringing firearms onto the campus of any school or university.
The proposed bills next go to the state Assembly for consideration, where historically gun control has had a harder time passing through. The bills will also have to be approved by Governor Jerry Brown who has vetoed gun control he felt too restrictive in the past. The Senate has enacted special procedures to try and get the bills approved by the end of June.


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Yes this is basic infomation but I thought I would post it for anyone who may not be aware of how to do it.
Creating a System Restore Point
Before attempting any system optimization, whether it's memory upgrades or software configuration, it would be a good idea to create a System Restore Point. Windows XP, Vista, and 7 all create restore points automatically but it doesn't hurt to manually create one just prior to installing or uninstalling hardware or software, or before making changes to any system configuration settings.
Basically a restore point allows you to do exactly what the name implies. Using the restore point you can 'restore' or revert your computer back to a specific date and time. Thus, if something goes horribly wrong during the installation of a new software application let's say, and your system is now not functioning properly, you can attempt to restore back to the good state that existed just prior to the software installation. This is of course assuming that a restore point exists for that date and time. Windows is supposed to automatically create one before all hardware and software installations. I never like to take chances however so my belief is that it does not hurt to create one manually before installing any new software or hardware.
Having a restore point is great insurance however using the restore point can sometimes create unintended consequences. Reverting the entire system back to a earlier date and time requires quite extensive changes to the registry settings as well as significant modification of stored data files. I point this out only as a cautionary note. Use this feature as a last resort.
The most basic yet many times overlooked technique to address either software installation problems or hardware installation problems is simply rebooting the system. Sometimes more than once. Also if you are experiencing a software installation error try uninstalling the software before you use a system restore. The Add or Remove Programs tool is located in the control panel (in Windows Vista and Windows 7 you will need to click 'Programs' and then 'Installed Programs').
If your system is not booting properly you can also try using the boot menu that is available during the system startup process. To access it press F8 while the system tries to reboot (you may have to tap the key multiple times as the system powers back up) and then use your arrow keys to select 'Last Known Good Configuration', this works in many cases.
Manually Creating a Restore Point (Windows XP)
- Click on Start-> All Programs-> Accessories-> System Tools-> System Restore.
- The System Restore Menu should open and appear on your screen.
- Select 'Create a restore point', and press 'Next'.</li>
- Be sure to create a name for the restore point that is descriptive and that you will remember, and/or make a note to yourself.
- The current date and time will be added to the restore point automatically by the system.
Manually Creating a Restore Point (Windows Vista & Windows 7)
- Click Start and then right-click on 'My Computer' and select 'properties' from the menu.
- The 'System' menu will open. Click 'System Protection', which will be listed on the left side of the menu.
- This brings up the 'System Properties' menu. Click on the tab labeled 'System Protection' at the top of the menu.
- You are now at the 'System Restore' menu. Press the 'Create' button you will find near the bottom right corner of the menu.
- Be sure to create a name for the restore point that is descriptive and that you will remember, and/or make a note to yourself.
- The current date and time will be added to the restore point automatically by the system.
You should receive a confirmation message stating that the restore point has been successfully created. Congratulations you have manually created a restore point! Now that you have completed this process you can add new software or hardware with a little more confidence.


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Newport Harbor Handles Temecula Valley
Newport Harbor – 14
Temecula Valley – 4
April 20, Costa Mesa – The Sailors jumped out to an early lead Thursday against Temecula and never looked back. Senior attacker Heather Roberts opened scoring in the first minute with a strong crease roll. Seniors Sarah Farley and Jessica Woodruff struck again for the Sailors, and in just over three minutes, the hosting Tars were up by three. The Sailor ride forced the visitors to earn every inch of ground, and while the Golden Bears were able to get to the cage, sophomore Jade Rettig in the Newport goal was up to the challenge; she finished the first half with seven saves on eight shots. TVHS was able to end the shutout with a goal from senior Makayla Munoz, assisted by senior Samra Cain
With Woodruff adding one more off a pretty feed from senior Katie Hendrix, Senior Laura Tran converting a beautiful free position, and freshman Caroline Farley netting a transition goal, the Sailors earned a cushy 7-1 halftime lead.
In the second half, the NHHS ride clamped down even harder, and the defensive unit of seniors Hayden Allen, Jill Rosten, and Amber Skytte, and sophomores Elise Skytte, Delaney Knipp, and Ella Kenney went into beast mode. Yet despite earning only six shots on goal, Temecula sophomores Holly Olvera and Jade West scored three. But the Sailor attack, led by a second half hat trick from sophomore Mariana Miller, overpowered the Bears and ensured the ten-goal victory.
Farley senior dominated the stat sheet with four goals, four ground balls, three draw controls, and five caused turnovers. Hendrix added a goal on a nimble free position drive and finished with two assists, three ground balls, and two draw controls. Tran also put one away for the Sailors to add to her three draw controls, four ground balls, and two caused turnovers. Allen led the Sailors with five ground balls—a number of which were on gritty defensive plays. Rettig finished with eleven saves (73.3%).


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British Academy Schools Language Awards
Awards for schools to encourage take up of languages to higher levels
For four consecutive years, we have run our Schools Language Awards to support schools to deliver innovative, creative and exciting projects, particularly to encourage take-up of languages at GCSE and A-level.
The awards are split between mainstream and supplementary schools to ensure a bredth of languages and encourage take-up of community languages. The mainstream awards are further divided into seven regions: North, South East and South West, London, East and Midlands, Wales, Northern Ireland and Scotland.
Inter-curricular projects and partnerships between primary, secondary and supplementary schools, FE colleges and HEIs are encouraged.
To find out more about the Awards, click the links below:


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Ram raised a lot of eyebrows when their sales passed the Chevrolet Silverado by 285 trucks last month, but the Bowtie has regained a comfortable lead selling over 6,000 more Silverados than Chrysler sold Rams in April 2014.
Silverado sales only increased slightly from 42,247 in March to 42,755 last month, but Ram slid from 42,532 March truck sales down to 36,674 in April. That gives Chevrolet a 6,081 lead. Meanwhile GMC moved 17,246 Sierras last month, about 3,000 units better than they did in April 2013.
Chevrolet is leading by a more substantial margin in 2014 overall, with 150,512 Silverado sales to Ram's 133,580. However, this year's Silverado sales are down 3.5% from 2013 while Ram has picked up their sales pace by an impressive 23% from last year.
Ford still reigns supreme with 63,386 F-Series pickup truck sales last month, putting them at 236,745 units for 2014. They're doing 3.9% better than they were this time last year.
So while Ford leads the pack by a long shot and Silverado furiously defends their second-place spot, Ram is still getting good traction in big-picture sales. They could still get the win for the year if people stay hot on those EcoDiesel pickups.


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Western Media Perplexed.
When Western propaganda is spewed forth it always speaks of Putin as though he's not got millions of citizens happy to have him as a leader. Something this EUSSR has not, other than a wannabee President of Fuhrerschein Merkel. Why else would she want several million Muslim fanatics on board the Deutsche gravy train but for votes?
If one wasn't clued up on the mess in Syria you would assume the CIA are whiter than white in the destabilisation in that now blighted Country. As I write often, we own the global rights to hypocrisy in the West. The excellent summary in the link shows the efficacy of our duplicitous lot run from Washington and Wall Street.
To underline even more boldly, consider the easy life Erdogan gets in the West. A tyrant probably with less of a successful track record in secular rule than Assad. The latter gets bombed to hell by Western backed rebels, Erdogan pockets €6 billion plus as a down payment to fuel his own expansionist ambition. Most of that will be straight into secret Swiss accounts and arms dealers pockets. Not least those of close family connections.
That we Brits have a chance to leave these corrupt, gangster ridden scum to fall off the cliff without us seems a no brainer to me. First move I'd make when able would be a mega trade deal with Russia. Give me Putin over Corporate, faceless America any day.
That feeling happily accepts that much of the vilification of Vlad is every bit CIA fiction as is the same crap levelled at Assad. Even if every accusation were true, it would only mirror the depths to which the West has sunk in this terrible human condition of today. One dismissive of Christian mores and in thrall to the misogynistic, brutal barbarity of Islam.


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How-To Program with Microsoft Office Excel and C# using a Ribbon and Interop
In the previous example (How-To program with Excel and C#), I demonstrated how to program in Excel 2007 using a Workbook Project in Visual Studio 2008. This example will use the Addin Project in Visual Studio 2008 to create a ribbon that can be inserted into any Excel file automatically.
Getting Started
If you are familiar with VS2008, start by creating a Microsoft Office 2007 Excel Addin Project. If you don't have the 2007 Office VSTO templates, you can download them from the Microsoft Download site. I won't include a link so not to end up with a potentially broken link in the future.
If you are new to VS2008, start by creating a project. Just do File->New-> Project. Expand the C# node in the Project Types(if you are using the C# settings) and expand the Office 2007 node of the VSTO and select the Excel 2007 Add-in template.
You can name your project anything you like. I named mine TestAddin. Also choose a location where to create the project or use the default location. Accept the other defaults.
New Excel 2007 Addin Project
Add Form for Dialogbox
In this step we are going to add a Windows Form to the project.
Right-Click the Project in the Solution Explorer window, click Add->Windows Form. You can name it anything you like. For the purposes of this example, I will name mine "HW".
Once the form is created in the editor, I will add a TextBox, Label and Button from the Toolbox. If you are new the Visual Studio, you can drag and drop them from the Toolbox palette.
Select the Textbox component and change the following properties in the Properties window:
- Change the Name property to "txtName" and;
- Change the Caption of the Label to something like "Enter Your Name".
- For the Button, change its Caption to "Send to Excel".
In the next section I will add code to the button to take the value entered in the TextBox and append that value the "Hello World " String and insert the value into the "A1" cell on Sheet1 of an Excel file or the ActiveSheet
If I can get you to focus on the code in the Button1_Click method, the following code will create an Excel object "excelObj" and will activate the HW form by calling the "Activate" property:
Microsoft.Office.Interop.Excel.Application excelObj;
//Make sure it is active to load HW form
this.Activate ( );
will allow us to get a handle on the opened Excel file in our application. The next bit of code will assign the active object (Excel.Application) to the excelObj object.
excelObj = (Microsoft.Office.Interop.Excel.Application)System.Runtime.InteropServices.Marshal.GetActiveObject("Excel.Application");
Once we have a handle on our Excel file, we can start accessing the workbook and worksheet. In order to access a worksheet, we will need to first access the workbook where the worksheet is located. You will be able to do that with the following bit of code:
//Get the Active workbook Microsoft.Office.Interop.Excel.Workbook wb; wb = excelObj.ActiveWorkbook;
In the next section of code, I have provided two options for accessing a Worksheet. You only need to use one of the two depending on your needs. In the first option, the code will allow you access the ActiveSheet, which is usually the first sheet in a workbook.
Microsoft.Office.Interop.Excel.Worksheet sheet =(Microsoft.Office.Interop.Excel.Worksheet)this.ActiveSheet;
The second option allows you to get a specific worksheet through the available Worksheet collection "Microsoft.Office.Interop.Excel.Sheets". You only need to implement one of the two options.
Microsoft.Office.Interop.Excel.Sheets sheets = (Microsoft.Office.Interop.Excel.Sheets)wb.Worksheets;Microsoft.Office.Interop.Excel.Worksheet sheet = (Microsoft.Office.Interop.Excel.Worksheet)sheets.get_Item("Sheet1");
The rest of the code in the button will get a handle on a cell (or cells) with the get_Range method in Worksheet class. You will need to cast it to the Range class. The code below will demonstrate how this is done. In the following example, I am only accessing the "A1" cell and left the second Range parameter empty "System.Reflection.Missing.Value" but I could have specified a second value to select a range of cells.
Microsoft.Office.Interop.Excel.Range afield = (Microsoft.Office.Interop.Excel.Range)sheet.get_Range("A1",System.Reflection.Missing.Value);
To finish up, you are going to add the following code to actually insert a value into the select cell (Range). In my example the value to be inserted is "Hello World " + the value from the "name" field.
afield.set_Value(System.Reflection.Missing.Value, "Hello World " + this.name.Text);
Finally call "this.hide" to close the form.
//Hide the dialogbox this.Hide();
using System; using System.Collections.Generic; using System.ComponentModel; using System.Data; using System.Drawing; using System.Linq; using System.Text; using System.Windows.Forms; namespace TestAddin { public partial class HW : Form { public HW() { InitializeComponent(); } private void button1_Click(object sender, EventArgs e) { //This is the Excel file that is already open so we don't need to re-open it Microsoft.Office.Interop.Excel.Application excelObj; //Make sure it is active this.Activate ( ); excelObj = (Microsoft.Office.Interop.Excel.Application)System.Runtime.InteropServices.Marshal.GetActiveObject("Excel.Application"); //Get the Active workbook Microsoft.Office.Interop.Excel.Workbook wb; wb = excelObj.ActiveWorkbook; //To get the top sheet (e.g. Sheet1) or the Active Sheet use this syntax //Microsoft.Office.Interop.Excel.Worksheet sheet = (Microsoft.Office.Interop.Excel.Worksheet)this.ActiveSheet; //Get a handle on all the worksheets in the Workbook Microsoft.Office.Interop.Excel.Sheets sheets = (Microsoft.Office.Interop.Excel.Sheets)wb.Worksheets; //Get a specific sheet in the Workbook Microsoft.Office.Interop.Excel.Worksheet sheet = (Microsoft.Office.Interop.Excel.Worksheet)sheets.get_Item("Sheet1"); //To get a cell or group of cells, you can use the following synatx Microsoft.Office.Interop.Excel.Range afield = (Microsoft.Office.Interop.Excel.Range)sheet.get_Range("A1", System.Reflection.Missing.Value); //Set the value of the A1 cell equal to "Hello World" plus the value in the name field in the dialogbox afield.set_Value(System.Reflection.Missing.Value, "Hello World " + this.name.Text); //Hide the dialogbox this.Hide(); } } }
Add Ribbon
For the next piece of the puzzle you will add a Ribbon Object; modify the default Group by changing its name and add a button. We finish this part by adding some code to open the HW form.
Right -Click on the Solution, in my example this would be TestAddin. In the context menu, select "Add-> New Item". In the "New Item" dialog box, select the "Ribbon (Visual Designer)" template. You can give any name you like. I named mine Hello.cs
When the Ribbon is created and the Visual Designer appears, select the Group1 control and change its name to "Hello there" or some other arbitrary name in the Properties View.
Next expand the "Office Ribbon Controls" in the Toolbox and drag a button onto the Group Control. Name the button "Click say Hello" or anything else that you like.
So far so good. Now Double Click on the Button Control and the Code Behind Editor will appear where you will add the code to open the dialogbox: "helloForm".
In the button1_Click method add the following code:
//Declare a dialogbox object HW helloForm = new HW(); //Call the Show method to load the form helloForm.Show();
using System; using System.Collections.Generic; using System.Linq; using System.Text; using Microsoft.Office.Tools.Ribbon; namespace TestAddin { public partial class Hello : OfficeRibbon { public Hello() { InitializeComponent(); } private void Hello_Load(object sender, RibbonUIEventArgs e) { } private void button1_Click(object sender, RibbonControlEventArgs e) { //Declare a dialogbox object HW helloForm = new HW(); //Call the Show method to load the form helloForm.Show(); } } }
Text Output
Ok, finally click F5 to launch the Ribbon app and Excel. Click on the "Addin" Menu and in the Addin Ribbon click on the "Say Hello" button to launch the "helloForm" form.
Enter your Name in the TextBox and Click on the "Send to Excel" button.
Sample Output
If everything according to plan, you should see something like this.
Hi, could you please show with an example how to edit the second worksheet when you have multiple worksheets in a workbook?
thank a lot, one doubt,is it possible to use the default menus from c# code, for example the submenus, dialog boxes, etc. inside menus like file, insert, etc.?
thanks for this informative tutorials
I want the reverse process...while clicking the ribbon button i need to enter the values from excel fields into textbox in usercontrol
I'm currently into this stuff and these tutorials of yours helped me a lot. Thank you Kevin on it. :-) I was wondering is there some book about this Excel Add-In topic that would propose to me.
Hi, May I know how to depoly the add in to end users and how to upgrade the add in if some logic is changed.
Nice post, but im having the same problem shamshirha had. It shows a null return for activeworkbook and active worksheet.How to get through this?
figured it out, my excel wasn't activated yet and once i activated it, it worked.
This is a great tutorial, however, i have big issues that i can't get past. When i get to this point, it gives me an error
//To get the top sheet (e.g. Sheet1) or the Active Sheet use this syntax
//Microsoft.Office.Interop.Excel.Worksheet sheet = (Microsoft.Office.Interop.Excel.Worksheet)this.ActiveSheet;
for some reason, it cannot find this.ActiveSheet. When I debugged the code during run time (after changing the this to wb), it shows a null return for activeworkbook and active worksheet. anything i'm missing?


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Home Comments Prestashop Module
This block displays name, image of a customers as well as rating and date. This module ultimately helps you grow your customers' confidence on your products. Customer reviews and comments always put positive effect on website visitors, it increases their trust on your services and helps grow your sales quicker, and this is what this Home Comments module is developed for. Home Comments plug-in displays latest customer reviews and comments in an elegant block on home page. This comments block is designed to convey important information in a useful and impressive manner to your website visitors; therefore, each comment or review posted by customer is displayed in a separate frame, with picture and customer's name. This comments block shows the credibility of your products by displaying overall rating as marked the existing customers.Visit publisher site: Home Comments Prestashop Module
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Yay! They're in Treatment! What do You do Now?
Your loved one will have a lot of adapting to do and will likely come to you asking for you to make things more to their liking when they first enter treatment and are in early recovery. While it might seem to you like they've got reasonable complaints like, "I don't like my roommate, the food, my bedroom, my case worker, the rules…", research shows that the anxiety of adapting to new situations, is necessary for creating new neuro-pathways in the brain which allows for real change to take place and remain solid. Therefore do not become tempted to triangulate with your loved one against the treatment protocols or professionals. It is NOT in your, or your loved one's best interest. They are there to begin their journey toward long-term recovery, not to meet their immediate desire for comfort.
Ask your loved one to sign the HIPPA and consent to release information forms. If they are resistant, let them know this is not an attempt to control them. This will allow you to speak with their treatment team so you can better understand what their needs are, what they're going through and be better at supporting their recovery process. If they are at first unwilling to do so, you may want to use leverage. Leverage can be anything that they want from you, such as spending money for cigarettes, paying their bills, or providing them with a cell phone, transportation, etc. Conversations around using leverage must be done in a loving, non-punitive tone, so as not to cause unnecessary defensiveness from your loved one.
At Families United for Recovery, we teach parents and family members how to use leverage to help move their loved one toward recovery. In this case, it means communicating with their treatment team to ensure the best chance for the treatment success and plan for their long-term recovery.
If your loved one still is unwilling to sign the consent to release information forms, you should most definitely request to speak to their case manager and provide as much information about your loved one's background as you can. This will help them – help your loved one.
With all that you've been through and the likely enormous financial investment you are making in your loved one's treatment and recovery, it makes sense to do and learn everything you can to be their best chance for recovery and that means communicating in a healthy way with members of their treatment program. We at Families United provide scripts, tools and strategies to help you speak with your loved one and their treatment team.
One person to speak to as soon as possible is their case manager. Let them know you will stand by and support the treatment center's suggestions for length of your loved one's stay, levels of care, therapy protocols, sober living…. as much as you are able. Your respect for their professionalism will help them help your loved one and they will appreciate that you are determined not to enable or argue on behalf of your loved one's desires or will, at the cost of what's in their long-term best interest. Also, let them know that you will appreciate gentle reminders if you slip into enabling patterns or other unhealthy behaviors as they continue to support your loved one's recovery. Additionally, we recommend you request to have a weekly appointment with them to get an update on your loved one's progress and so you can be optimally supportive during your calls and texts with your loved one.
If you are working with Andrea Arlington as your coach, let their case manager know that she's able to speak with them as well. She can share her awareness in working with your family and support the treatment team in helping the family's participation in their loved one's recovery.
It's vitally important to provide them with all the facts leading up to your loved one entering treatment, any challenges that may interfere with a successful treatment experience, or other information that could help your loved one's recovery. It may be difficult to be completely transparent with the case manager and/or treatment team, but protecting or hiding the truth can be dangerous. This is a life and death issue and complete honesty is a must. Do your best to answer all questions they are asking and if you need support with this, talk with your coach.
While it is crucial to openly talk about how the family has been impacted by your loved ones SUD or addiction, (which can be done in a letter as well if that is more practical or comfortable), sharing the facts of what you've seen and experienced with your loved one should be done in a non-emotional, objective way in family therapy or group sessions.
Remember that research shows that the longer a loved one is engaged in treatment, the better the outcomes. You can help their decision to stay in treatment by keeping your cool and avoiding triggering your loved one. This is a priority. Therefore, while they're in treatment, avoid bringing up current information or issues that could be upsetting without first discussing it with their therapist or counselor, as this could trigger them to relapse, or at the very least distract them from working on their recovery.
Be informed about the topics the treatment center prefers you discuss with them and make sure you check in with your loved one's frame of mind before doing so. This way, if they're struggling with anything else you don't over burden them.
Be supportive and encouraging of their attendance and commitment to meetings, therapy, group etc. and do not invite them to attend other activities that interfere with these important activities for sustaining recovery. Encourage them to share whatever they want with you about their new awareness and recovery. If you have concerns about any of it, share your concerns with your coach, their counselor or case manager, not with them!
Before your loved one completes initial treatment, be sure the treatment team has defined and discussed an aftercare protocol with your loved one. If possible, help your loved one go directly into a sober living home and continue with outpatient. If not, and if they are returning to your home, create a contract with your loved one, with the help of their therapist or counselor and your coach, to clearly establish the conditions of them returning home.
In the contract, you along with their treatment team will clearly define and commit to yourself and your loved one the terms under which you are willing to have them return home. Along with a well written protocol for after treatment and continuing recovery activities, included should be regular weekly scheduled check-ins with them and in addition, as you deem needed, to share the facts of what you see happening with them.
These check-ins should include positive feedback and areas you feel need improvement. All conversations should be started with a loving acknowledgment of them as a person and/ or the importance of them in your life. All topics are to be discussed in a loving, non-confrontational tone. All conversations should be solution focused and kept brief. Regular interaction and activities should be resumed immediately following, i.e.: no all-day, all week, gloom and doom, or hyper-focusing on what's not working!
The contract must be solid. You must be willing to enforce it and reach out for help with your coach or other professionals for support if needed to strengthen your conviction and follow through with the boundaries you've set. Your boundaries will likely be tested by your loved one. They may try to break you down. Be clear on why you set them in the first place and hold strong.
Work closely with your coach to stay calm and rational/ non-emotional when interacting with your loved one. Stay in touch with your loved one's recovery team. Stay focused on solutions, not problems.
Be sure to include in your contract the minimal requirements of therapy sessions/meetings/meetings with sponsors, or their recovery coach that you expect them to abide by in order to have the privilege of being in relationship with or, living with you. While it's true that their recovery is their business ultimately, being in a relationship with you and/or living with you can and should be comfortable for you and will be more so if you have established solid ground rules in your contract with them. Additionally, living with or being in a daily relationship with you is a privilege and is in a very real sense leverage to help you apply gentle external pressure to stay in recovery until their own internal drive to do so is well established.
For more on helping your loved one in early recovery or to learn about using leverage visit us for family group coaching on Wednesday evenings at 6:30, hosted by Alo House Recovery Centers located at 28955 Pacific Coast Highway suite#200, Malibu, Ca. (free and open to the public), check out our website www.familiesunitedforrecovery.com, visit us on Facebook, or call us at (424)203-4569. We look forward to being of service to you and your family.
We at Families United provide research based recovery tools and strategies that are solution focused. Studies show the family plays a critical role in the cycle of addiction or recovery. Their influence can be destructive or supportive in helping loved ones choose to sustain long-term recovery. When the family gets into recovery, their loved ones stand a much better chance for choosing recovery and/ or sustaining it. We are here for you every step of the way.


text: Jack Walsh looks at how the lockout has affected the early stages of the NHL seasonA layoff is always going to be a talking point within professional sports. What has been improved, reinvented and transformed by the masters can be withered by injury, distractions and questions in motivation. So it is with the 2012/13 season that has been fragmented by the Lockout. A crisis that has cost the National Hockey League an astonishing 510 regular season games, in essence over 40% of the season.Relief was the buzzword trickling through ice hockey circles, as many of the teams in the six divisions have pressed forward with wild intention, treating each game like it were a playoff one. Pent up frustration due to months of either inactivity or playing in European leagues has clearly motivated the players, no more so than those of the Chicago Blackhawks.Chicago lead the Central division, and are the overall leader by a single point. In their winning encounters, the 'Hawks have averaged over three goals a game, with Patrick Kane leading the team in points, goals and assists.While the team haven't entirely dominated any opponent, they broke the myth of the defending champions, the L.A. Kings, by grinding out a 5-2 win in the season opener. Net-minder Corey Crawford is proving to still be an effective element to the team, stopping 34 of 36 shots against St. Louis.Challengers to Chicago are the aforementioned, and indeed frenetic, St Louis Blues. As the youngest team in the NHL, the Blues have begun to put everything into place and, under the tutelage of the 2012 coach of the year Ken Hitchcock, are almost a carbon copy of the 2008/09 team who reached the playoffs.A perfect example of the Blues' threat is in their 6-0 demolition of the Detroit Redwings in the season opener. Points have come from unusual places for this baby-faced St. Louis side, with defenseman Kevin Shattenkirk and winger Vladimir Tarasenk hitting home. The team's defence is arguably its strongest quality, with two shutouts recorded in their first seven games.In the Atlantic District, a very interesting New Jersey Devils team are in direct competition with their local rivals, the New York Islanders. The strength of the particular district is shown by the inclusion of a Pittsburgh Penguins team reunited with former player of the year, and current captain, Sidney Crosby, who in himself will prove to be an interesting story to follow.New Jersey are one of the few defence-heavy teams to have found success in these early stages, ranking second in the league with 1.8 goals allowed per game. Their penalty-killing unit has been proficient, killing 87% of the power-play chances of other teams. In terms of offense, the production of Patrick Elias and Ilya Kovalchuk could be the key, should the team advance to the playoffs.Meanwhile, in the Western Conference, San Jose have established themselves as an early force in the Pacific division after crashing out of last year's playoffs. Yet, when looking at their roster, age has become a primary factor for concern for this team, as this may be the last chance for Joe Thornton, Patrick Marleau and Dan Boyle to win a cup. That being said, San Jose has the most aggressive offense in the league, as they boast three of the top five league leaders in points during a spell in which the Sharks have not lost a game. In their first five encounters, Thomas Greiss and Antti Niemi have combined for a .944 save percentage, showcasing a strong defensive game too.The Sharks are expected to glide through the Pacific region, as they have the past two years out of three. Despite strong performances in the regular season, this San Jose team has sadly never lived up to expectations come playoff time. Perhaps a shorter season will prove to be of an advantage for the Californian outfit.In stark contrast, last year's Stanley Cup champions, the Los Angeles Kings, are suffering from post-lockout hangover, as they sit in the middle of in the Pacific standings. L.A have showed an improvement after a 0-2 start, with wins coming over the faltering Vancouver Canucks and Phoenix Coyotes.The recovery of Jonathan Quick in goal (surgery on his back meant he would have missed the first three months of the season, had it started on time) has so far proved slow, as the MVP of the Stanley Cup playoffs has looked uneasy and out of depth, leaving many to wonder if he was rushed back prematurely.Back in the east, the Boston Bruins, full of opportunity and talent, have already proved themselves worthy against the New York Rangers and the Carolina Lightning, and are standing atop the Northeast division. Captain Zdeno Chara has two goals and five points, with a plus-three plus/minus rating.The team's leading centre, David Krejci, has proved himself to be an effective and aggressive playmaker in a team that is guilty of somewhat questionable power-play tactics. Although, the team's MVP so far would have to be Goalkeeper Tuuka Rask, who has stepped up to the standard of Tim Thomas in making one hundred and seven saves in four games.Months of inactivity have paved the way for the last few weeks, and it has been refreshing to see such a pace delivered by the upper echelons of the sport. The lockout has been prevalent for some, yet most are merely relishing the opportunity to perform in what is promising to be a short and sweet season.


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Our experienced team prepare and submit a wide variety of planning applications, predominantly within the East Midlands but also throughout the UK. These range from agricultural prior approvals, to barn conversions, commercial units, vehicle showrooms, large residential schemes and renewable energy projects, including Wind Turbines, Solar Photovoltaic (PV) and Anaerobic Digestion (AD).
Some types of Planning Application JHWalter deal with:
We also deal with environmental planning issues such as:


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If McDonalds were run like a software company, one out of every hundred Big Macs would give you food poisoning, and the response would be, 'We're sorry, here's a coupon for two more.' " Mark Minasi
The Stack class represents a last-in-first-out (LIFO) stack of objects. It extends Vector class.
|The stack is a subclass of Vector that implements a standard last-in, first out stack.
|The initial stack does not contain any element.
|Stack provide pop, push and peek operations.
|Java uses an array based implementation Stack.
package com.careerdrill.collections.list; import java.util.Arrays; import java.util.Stack; public class StackUse { public static void main(String[] args) { Integer []array={11,22,33,44,55}; Stack< Integer > st = new Stack< Integer >(); System.out.println("Push the elements to the stack: "+ Arrays.toString(array)); for(Integer i : array) st.push(i); System.out.println("Removed element "+st.pop() +" from Stack"); System.out.println("Elements after remove: "+st); } }
Push the elements to the stack: [11, 22, 33, 44, 55] Removed element 55 from Stack Elements after remove: [11, 22, 33, 44]
|Stack is vector-based implementation.
|ArrayDeque is the array-based implementation.
|Push and pop the elements to the stack gives in constant time.
|addFirst and removeFirst operations in constant time.
|items are added to and removed from the top of the stack.
|Uses double ended queue.
|Support Stack notation.
|deque extends the notion of a queue.
|Stack has no interface.
|Dequeue is an interface and implemented in ArrayDequeue.
If you want use simple stack, you can use stack class.


text: A Historical Experience In Beautiful Belgrade October 27, 2013 Europe, Serbia 1 The capital and largest city of Serbia is one of the oldest cities in Europe. Translated to "White City", Belgrade boasts a phenomenal history which is reflected in the culture and architecture, everywhere you turn. Bullet holes in the buildings along the streets are a constant reminder of the trouble Serbia has endured in the not-too-distant past, most recently during the breakup of Yugoslavia in the 1990s. Sitting in one of the numerous outdoor restaurants in the middle of the many beautiful sunny streets, it's hard to imagine this city was ever the victim of NATO bombing, which destroyed much of the city's buildings at the time. When I visited in 2011, everywhere I turned, the streets were lined with fabulous restaurants, cafes, shops and fruit markets, overflowing with smiling tourists and locals alike. En route to the Belgrade Fortress, the bustling streets and park area were spilling with charming market stalls, which sometimes clear when the stall owners pack up and run with their merchandise down a hidden alleyway, avoiding police. In these markets you can also get yourself a fake tattoo which will last for two days if you're lucky. As the oldest cultural and historical landmark in Belgrade, one of the most important things you have to see is of course Belgrade Fortress. Located 125.5 metres high, this phenomenal structure offers an outstanding panoramic view of the confluence of two wonderful rivers – the Danube and the Sava. This still remains one of the most beautiful natural lookouts I've ever seen. Belgrade also offers an incredible, vibrant nightlife scene with plenty of clubs that stay open until dawn. I particularly enjoyed the popular barges which are essentially bars on boats floating along the banks of the river. In fact, in 2009, Lonely Planet put Belgrade at the number one party city in the world, in their "1000 Ultimate Experiences" guide. Walking home along the river as the sun rises, manipulating the colours of the sky, is truly the best way to end your night! For an alternative evening, you may enjoy watching – or even joining – the masses get together and salsa the night away on the streets. Skadarlija is another area you should definitely put on your to-do list too. As an old bohemian hang-out place for poets and artists in the early 1900s, this colourful, cobbled street remains a charming place to eat some delicious Serbian food, drink some traditional rakija, watch musicians play and peruse the local art. Something else I'd definitely recommend doing while in Belgrade, is joining one of the guided tours. Many of these are free, although donations are – obviously – greatly appreciated at the end. This is a great way to see parts of the city that perhaps you wouldn't have even considered exploring as well as learning more about the language, currency and of course, history of the city, including, which seems to be fairly unknown. Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to share on Pinterest (Opens in new window)Like this:Like Loading... Related One Response Top Things To Do In Novi Sad | Life Isn't Just A Holiday November 13, 2013 […] for tourists and hold a number of cultural events and music concerts. I mentioned in my post about Belgrade that Serbia has an amazing nightlife scene, and is said to be one of the world's largest party […] Reply Leave a Reply Cancel reply


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A doctor-prescribed suicide bill (LB 450), the "Patient Choice at End of Life Act," was introduced in January 2017. It failed to pass in 2017 . It was carried over to 2018. No action was taken on the bill.
Text of bill
A doctor-prescribed suicide bill (LB 1056), the "Patient Choice at End of Life Act," was introduced in Nebraska. The bill was withdrawn on April 4, 2016.
Text of Legislative Bill 1056
Analysis of Bill
Current law regarding assisted suicide
A person commits assisting suicide when, with intent to assist another person in committing suicide,
he aids and abets him in committing or attempting to commit suicide.
(Neb. Rev. Stat. § 28-307
"Chambers promises to keep pushing for aid-in-dying law"
(Brown County Democrat — April 4, 2016)
Sen. Ernie Chambers of Omaha filed a motion Monday to pull his aid-in-dying bill out of a legislative committee where it remains stuck. The motion won only nine of the needed 25 votes to bring the bill to the floor for debate.


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HAUL!!! E.L.F & AVON from Dhanak & Pond's gift
First of all let me tell you all that how much I missed you all and how much I missed blogging for past two and a half weeks. This break was full of many happenings and also quite relaxing. As now I am back, although still unpacking and re-arranging my home and settling back (which will take time) meanwhile I thought to share my recent haul and a contest prize with you all and some other chit chat. To Know more Read more!!!
HAUL from DHANAK:
|ELF and Avon Haul "on the ROX"
- ELF Lipsticks in Vodoo and Seductive Pkr 250 each
- ELF Crease Brush Pkr 250
- ELF Blending Brush Pkr 250
- ELF Contouring/Blush Brush Pkr 250
- AVON Super Shock Mascara Pkr 550
- AVON Nail pro in Golden Vision, this is a blogger gift so its priceless for me:)
PRIZE from POND'S:
|Prize won from Pond's
I shopped few more things which I will review for you guys soon.
Hope you enjoy this quick post. Follow me on Blog lovin now.
Stay Blessed.
remember me in your prayers.


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Mountains and Volcanoes
LEGACY TRAIL: My First Trail Experience in Masungi Georeserve
Red Rivera | Jul 12, 2018
The floating teepees you can relax in in Amihan
Chill out on the nets at Amihan
Overlooking the beautiful view provided by the hike
A beautiful view located a mere 2 hours from Manila
The mulching process during the Tree Nurturing Activity
The last few steps of the Tree Nurturing Activity
The park rangers and forest rangers you see along the way as they care for and maintain the mountain environment
Located a couple of hours away from Manila, in a dense forest in Rizal, lies thousand-old rock formations and a plethora of animal and plant species conserved and protected within the Masungi Georeserve.
With pointed and jagged limestone formations sprawled across the landscape, the georeserve derives its name from "masungki" meaning "spiked", which aptly describes the area.
The georeserve has been consistent in their efforts in protecting the area from illegal loggers, mining and quarrying activities, and land-grabbing activities for over 15 years. Committed to sustainable development, conservation, and geotourism; as well as their values of Discipline, Cleanliness, and Pride of Our Own, the Masungi Georeserve has created a sanctuary where individuals can peacefully coexist with nature.
Just recently, the Masungi Georeserve opened another trail experience that highlights the importance of their on-going restoration projects and we were lucky enough to be one of the first people to try out the Legacy Trail.
The Legacy Trail
At its very core, the Legacy Trail is an advocacy project. Its goal is to educate and inspire the guests to appreciate and love nature.
During the hike, our tour guides would talk about Masungi Georeserve's experience with reforestation and conservation. They would show dug up holes from illegal treasure hunters, cut up trees from illegal logging efforts, and signs and posts from professional land grabbers trying to steal away areas of the mountain.
Hiking uphill was a challenge but it was worth it when we felt the cool breeze and saw the scenic view atop the mountain overlooking Laguna de Bay, Metro Manila, and Sierra Madre. At that moment, I fell in love with the beauty of the Philippines!
When we arrived atop the mountain, we were given freshly picked duhat ( Java Plum ). It was my first time to try it and I found the sour taste very interesting!
While we were enjoying our duhat, we were already being briefed for the next activity: Tree Nurturing.
I think that The Tree Nurturing Activity is what makes the Legacy Trail so unique. The rangers and tour guides showed us the important steps needed to care for a tree. There's spot brushing which is the process of clearing out the grass from the tree, mulching where we loosen the soil in order for soil to retain moisture, and covering up the area with the cut up grass to prevent the soil from drying up.
I enjoyed the whole experience! I also realized that planting a tree is not enough to care for the environment, but nurturing a seedling is part of it too. It takes a lot of effort and years of commitment to take care of the environment. I think that's my biggest takeaway from this trip.
The hike made us all very hungry and we were excited to see a table with food on banana leaves. They call these Minalot meals. Each minalot had a serving of grilled pork, rice, and tomatoes. It was delicious! It was also our first time to try the Gumamela tea and it was a sweet addition to our flavorful lunch.
After eating, we explored Amihan and enjoyed climbing up the floating teepees and letting the rope nets cradle us to sleep. We were provided pillows and blankets so we had a quick siesta to rest from all the climbing.
Soon, it was time for us to go down the mountain. When we arrived back to where we started, we were provided with a certificate for completing the trail and a tree planted dedicated to our group.
It was my first time at Masungi Georeserve and I had such a blast! I was able to go here thanks to my internship at Choose Philippines and I truly feel lucky to have this experience. I learned so much and I would love to take my family there!
The Masungi Georeserve's initiative with the Legacy Trail opened our eyes with the responsibility that we all have in caring for the environment. The experience is truly value adding and a perfect bonding activity. It's definitely a place to visit!
To request a reservation, please go here.
How to Get There:
Taking Marcos Highway is the recommended route. As you drive through the highway, you'll pass through Masinag, Cogeo, Boso-Boso Resort, Foremost Farms, and Palo Alto. Slow down once you see Garden Cottages along Marcos Highway. Make sure to be on the lookout for the Masungi Georeserve logo, right by Kilometer 47. Once you see it on your right, you've made it to the main gate.
Do you have a wonderful travel experience to share? Write about it on #choosephilippines
Be a Pinoy Wanderer!
Choose Philippines encourages writers, photographers, travelers, bloggers, videographers and everyone with a heart for the Philippines to share their discoveries and travel stories.Share Your Journey


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A few questions for a beginner game maker without an artist.
- Is there a site where flash game creators can download (and use) free art? I don't need character sprites but environments like trees, clouds, platforms, etc.
- Is there a site where a programmer can collaborate with an artist and a composer? (Even if so, the chances are low for a beginner with no portfolio to find an artist willing to collaborate, right?)
- Do you have recommended sites for asking action script questions (dedicated solely to flash?)


text: The MAF-US home office campus is the mission center for a world of ministry. But it needs an upgrade. Expanding the MAF-US campus will increase its effectiveness as a mission hub for outreach, training, and community. Phase I of the current MAF campus was completed in 2006 when MAF moved from Redlands, California, to Nampa, Idaho. When God opened the doors for MAF to acquire several adjacent pieces of property at a reasonable price in 2015-2016, we knew the time was right to move forward with Phase II. Phase II will expand the Nampa campus in order to deal with overcrowding, provide safe and adequate space for childcare, facilitate community, help maintain the facilities, and accommodate the growing numbers of volunteers who stay on campus. Case for Support Download PDF Proposed Plan Click to enlarge.


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We Love Watching Our Customers Thrive
We interviewed several customers to find out how Intervals has improved their time, task and project management workflow, and increased their profitability.
Whenever we have a discussion about a project or profitability, Intervals is definitely involved.
Imbue Creative
The go-to agency in Bucks County, Pennsylvania, replacing whiteboards, notebooks and sticky notes with web-based project management software.
Read the Case Study
Intervals best suits our agency because it tracks the different types of work we do, all in one place.
Hök Nik
An enigmatic digital agency in Edmonton Alberta, Canada refining internal workflows by tracking the unbillable alongside the billable.
Read the Case Study
Intervals enables us to manage our increasing workload while continually simplifying our processes.
A digital strategy agency in South Carolina leveraging web-based project management to achieve big results.
Read the Case Study
No other web design agency can provide the same level of visibility and transparency as one using Intervals.
Media Contour
A Los Angeles based web design agency involving clients in the day-to-day workflow to make smarter, faster decisions.
Read the Case Study
Looking for Previous Case Studies?
- Graphic designer liberated from administrative conundrum
- Web developers build central command center
- High end design & communications firm attains time management nirvana
- Software developer in awe over superfine micro time analysis
- QA team in large Information Technology/Software company discovers time is knowledge… and knowledge brings respect
Why Intervals?
Web designers, consultants, IT shops, public relations firms, marketing departments, web developers, software developers, and creative agencies all share similar challenges.
Juggling projects and tasks while delivering quality deliverables and keeping track of every sliver of time. Intervals can help get you organized and under control.
Great Teams Trust Intervals
Here are just a few of our customers:


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Leaving high school and beginning the next chapter of your adult life at uni feels like a giant leap of independence. Leaving your parents' nest and moving out feels more like growing wings and being promptly shoved off a cliff, hoping to the best that some survival instinct will kick in before you become a feathery soup of smoosh on the sidewalk. Read more
Category Archives: Friends
Graduation is around the corner…
Congratulations high school students, you are almost officially finished!
12 years of schooling is a massive achievement. Be proud of how far you've come, and be excited about how far you'll go!
You can't get a job if you study a creative course…or can you?
Today I am writing about what I would I tell people who say "You can't get a job if you study a creative course!"
I was told this by an older friend who was an accountant. I was in my first year of Bachelor of Interior Design at QUT. He laughed at me when I told him I study a creative course and he said, "you won't get a job doing that!"
I was offended and a little scared.
Looking back now, he was half right…
Be career competent: do your research
Around this time 5 years ago my friends and I spent our lunchtimes excitedly chattering about what we were doing next year at uni and what we would do in the big wide world in the years that would follow. Our dream courses and careers were wide and varied. From acting to medicine, to law and interior design, we couldn't wait to 'get on with it' and follow the smooth path from uni to living a working adult life. 5 years and many degree changes later and we are still having that conversation. Read more
Why I regret not going on exchange
I am in my final semester of the Bachelor of Business degree, and throughout my studies, I've ticked many things off my uni 'bucket list'.
- Did I have a great time at uni? Yes.
- Did I find my passion and make a lot of friends? Yes.
- Do I regret not going on exchange? YES, I do!
Today I want to share with you why I regret not going on exchange and why you should start planning to go the day you start your first semester at uni.
If I knew then, what I know now – 3 lessons from 4 years of Uni
For some readers of the QUT Student Blog, I'm probably an old and familiar face. So old, my first blog post in 2014 was carved onto a stone tablet and placed on the pantheon for all to read. But like fine wine I have aged well and have accumulated a wealth of experience and wisdom to pass on to my fellow Hermione Granger haired youths on their first foray into the wild adventure of tertiary education. In honour of my many years of study, here are three things I wish I could tell first year Laura at the start of uni.
QUT Open Day
Each year, QUT Open Day is so much fun. I still remember my first Open Day – I was a young Grade 12 student seeking out what to do with my life, wondering what I would like to do after high school.
Lucky for me and a group of other students, my visit to QUT's Open Day was also combined with luncheon – a special invitation from the university. I was congratulated and encouraged with an award for being a great student at high school and that QUT had recognised the potential in me. It was a great Open Day and first experience at QUT.
Indoors, outdoors, it's all good these holidays!
The winter holidays are a good time to spend indoors as it can be a little bit chilly outside – certainly not weather to be tanning at the beach. But sometimes it's worth going outside, especially if you live in a wonderful city called Brisbane!
Orientation Week through the student/staff lens
A week ago I went to a KickSTART opening session and saw at least 200 new students in one lecture room. Some of them were more nervous than others, but all of them were proud to be starting their journey at university.
Monday was the first day of Orientation (O Week), and there were so many new students going around. I had the privilege of meeting many of them at the Welcome Tent at Gardens Point campus, and could not be more excited to share what happened!


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Energomontaza contracted the relocation of 400 kV transmission line at the site of the future IKEA department store.
In order to begin works on the construction of other infrastructure, it is necessary to relocate the existing... »»»
At the international tender of Elektroprivreda Montenegro, Energomontaža got a job on relocating transmission lines 220kV Piva- Pljevlja (northern route). Relocation is carried out for the purpose of expansion of ash and slag dumps... »»»
Although there is no doubt that superfast 4G is in everybody's focus, high-quality 3G connection coverage should not be neglected neither. The Telenor Company pays special attention to this issue as the UMTS 900 MHz band became... »»»


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Travelling with family isn't always easy. Especially where children are involved. Often, accommodations at hotels are too cramped, or parents are stuck with thick doors between themselves and their small children. Well, we've got news for you – not only is Essex ideal for a family holiday, but also for our family style accommodations.
Family Accommodations at Harwood House B&B
Last year we worked tirelessly to refurbish the perfect suite for families of 3-5. Located on the ground floor, it is complete with a cushy super-king sized bed and a door leading to a small room where two single beds are enclosed. Add a cot and sleep 5 comfortably. Families also love the en suite shower room, lovely Laura Ashley Seymour Stripe drapes, updated furniture, and flat screen TV that makes for a great family movie night. With our scrumptious breakfasts served daily – Harwood House is the perfect place to begin your day and rest at the end.
To read more about our family accommodations, see a few of our past blog posts:
- Stansted Airport B&B Parking: Newly Refurbished Room
- Stansted Bed and Breakfast: TripAdvisor Certificate of Excellence and Hall of Fame for Harwood House!
Perfect Family Getaway to Essex
There are many great family attractions in Essex. From castles to animals, bikes and museums, there's just so much to do. Here are a just a few of our favourite suggestions.
- Audley End House – This is one of England's grandest stately homes where displays cater to kids imaginations.
- Colchester Zoo – Feed elephants or giraffes or simply observe over 260 species over 60 acres.
- East Anglian Railway Museum – Explore the of steam, beloved by children across the world.
You can find more suggestions on the VisitEssex.com website.
Great Dunmow Hotel Family Holidays Essex
Join us near Stansted for a family getaway filled with great memories for years to come. Book early to ensure your stay in our special family suite. With handmade breakfast served daily, close proximity to Stansted, and unique bespoke taxi service, Harwood House makes the best Great Dunmow hotel family holidays Essex. Booking is easy, give us a ring or complete your booking online.


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Fridays Are For Frank: "Angel Eyes"
(ABOVE: Jack Silbert photo)
As we all know, Frank Sinatra would have turned 100 this December. Yesterday, however, was the 17th anniversary of his passing.
When Sinatra died, Hoboken became the focal point of the world's mourning. Nowhere else in the world was so intimately tied to Frank—Vegas, Palm Springs, even "New York, New York" seemed like brief stopovers for Frank, even though he reportedly despised his hometown for the way certain individuals turned on him back in the day. Even then, Hoboken was a snake pit…
Yet when it came time to celebrate its native son, Hoboken rose to the occasion. News cameras lined up outside the makeshift shrine at 415 Monroe, the spot where Frank entered the world. Crowds worked their way into Piccolo's, Leo's and Biggie's—all collectively lamenting the loss of Sinatra at venues that were known to hold him dear.
Even the jukeboxes in the corner bars were belting out Frank favorites, as Hoboken old and new came together and paid their respects in a manner befitting Sinatra.
They drank to him.
"Hey drink up all you people
Order anything you see
And have fun you happy people
The laugh and the drinks on me…"
Francis Albert Sinatra
December 12, 1915-May 14, 1998


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An examination of what makes Christ's command to love new. We look at the newness of the source for understanding what love is, the source for living a life of love, and the setting in which we're called to grow in love.
8 am EARLY WORSHIP Service
10 am TRADITIONAL Service
11:30 am CONTEMPORARY Service
9 am Classes for all Ages


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Sarah Moss
Sarah Moss was educated at the University of Oxford and is currently professor of creative writing at the University of Warwick. She is the author of four other novels – Cold Earth, Night Waking, which was selected for the Fiction Uncovered Prize in 2011, Bodies of Light and Signs for Lost Children – and is the coauthor of Chocolate: A global history. She spent 2009–10 as a visiting lecturer at the University of Iceland, and wrote an account of her time there, Names for the Sea: Strangers in Iceland, which was shortlisted for the RSL Ondaatje Prize 2013. Her most recent book, The Tidal Zone is shortlisted for the Wellcome Book Prize 2017.


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Guest Testimonials: First-Time Guests
This was my first backroads trip ever and I am officially a believer! I love what you guys are doing as a company and I honestly feel like this trip was one of, if not the best, trip I have ever been on.Bryce Mariano - Paradise Valley, AZ
This was my first experience with Backroads and based on my experience, you run an exceptional company and choose outstanding leaders. Way to go!Robin Osborne - East Thetford, VT
Thank you for a wonderful trip. It was my first Backroads trip and I was not sure what to expect, but the experience clearly exceeded my expectations... Thanks for a once-in-a-lifetime vacation!Laura Ravo - New York, NY
This was my first Backroads trip, and it was fabulous. Our rides were meticulously organized; the group was congenial; our leaders were consistently competent, warm and enthusiastic.Andrea Clardy - Jamaica Plain, MA
My wife and I very much enjoyed our first Backroads trip. It really is the best way to travel and experience another country! We absolutely loved getting to know our guides and our fellow travelers on the trip. We wished the experience never had to end.Martin Ross - Nashville, TN
This was my first experience with Backroads and it exceeded my expectations by a mile! I loved every aspect of this trip; the attention to detail, the route, food and above all the two leaders who were exceptional! You guys rock! What a wonderful experience. Professional, enriching and challenging all at the same time.Denise Levinter - Toronto, CA
This was my first Backroads experience. I had heard and read some wonderful stories, and so my expectations were rather high. I can honestly say that this trip exceeded every expectation I had and raised the bar to unbelievable heights. I have never experienced a more prepared and pleasurable trip. Every facet of the week was excellent—from the first meeting to the final wrap up. It was an awesome experience!!Peter Doyle - Lynchburg, VA
This was our first Backroads trip and we were very impressed. We are already thinking about our next trip. We were astounded at the number of repeat Backroads guests on this trip—we now know why!!Georgia Nishimura - San Diego, CA
This was our first Backroads trip and we were absolutely blown away by what a great time we had! Every day was a new and exciting adventure! Our leaders were the best, anticipating our every need. It felt like going to visit friends who want to show you all the great things the area has to offer and make you feel welcome and comfortable all the while.Marti Petro - Southlake, TX
Longtime bicyclist, but never did a group ride. This was awesome in EVERY respect. This was a 100% totally engaging experience! Great staff and participants. Food was fantastic, and I earned the calories consumed. Post ride greetings were super, too. I simply didn't want it to end.Douglas Rea - Pittsford, NY
This was our first trip and of course we didn't know what to expect, but were immediately put at ease by the leaders and the other guests who have done this before. I was so impressed by the professionalism of the leaders, their knowledge of the area, the handling of people and what they brought to the party.Joanne Mahoney - Hopkinton, MA
I haven't felt so well taken care of, so carefree and had so much fun since I was a child. I can't wait for my next Backroads trip! This was my idea of the perfect vacation! I felt like a child again—outdoors and active all day and totally taken care of in every way.Margaret Erickson - Silver Spring, MD
This was my first Backroads trip and I felt it was absolutely amazing, fantastic, terrific and wonderful—better than I expected in all respects: meals, accommodations, intensity of biking and hiking, dynamics of the group and overall 'high' feeling throughout the entire trip.Shelli Zelsman - Thornhill, Ontario
Excellent trip and assistance throughout the tour. Backroads was my first 'active' vacation and I'm never going back to a relaxing day at the beach... I feel more refreshed after doing, seeing and learning interesting things while making new friends within our group.Ken Schmidt - Tracy, CA
I had never done anything like this before and it was absolutely the most amazing trip I've ever taken. Everything about it was wonderful! I smiled during the entire trip and have been telling all of my friends about it in the most glowing terms I can think of.Jo Curran - St. Louis, MO
This was my first Backroads experience and it certainly surprised me. This trip was fantastic! I was thrilled with the choice of activities and the accommodations... Our leaders were fantastic and offered great support and energy. They reminded me and all of us that this was a vacation and not a race so the first order of business was fun!... Thanks for an unforgettable time.Xandra Shen - Toronto, Ontario
I had never participated in an organized group trip and was overwhelmingly delighted with my experience. Every day there was something that occurred that clearly illustrated the company and the trip leaders' personal commitment to insuring we had an enjoyable experience that lived up to our expectations. Whether it was the surprise special events, helping us find ATMs, interpreting, or filling us in on cultural information while we rode—I felt well attended to throughout the trip.Heather Markham - Burlington, MA
This was my first trip with Backroads and I just loved it! It was so nice having everything planned out so I could just sit back (or in my case ride the bike) and not have to worry about the little details of the trip. I'm already thinking about where we can go on our next trip with Backroads.Colleen Rigby - San Diego, CA
This was my first Backroads trip and it sure won't be my last. It is a wonderful way to travel and see the sites and meet so many wonderful people and get exercise all at the same time.Patty Garrett - Arlington, WA
Absolutely amazing—great trip for a first-timer, loved the mix of people—we weren't the youngest but not the oldest either. The next trip will be tough to match this one! We were wowed!!Florence Schretzmann - Moraga, CA
Your company did come highly recommended from friends. But I had to experience it for myself. And man, did it exceed my expectations! The level of service was impeccable, our leaders were a blast, the food was great, and the level of riding was perfect for my ability. The group was a lot of fun and by the end of the trip we were all like family! You have great people working here.Peggy Hymel - San Anselmo, CA
This was my first Backroads trip, and it exceeded all my expectations. There was a wonderful balance of biking, cultural, and culinary activities... As well as ample time for relaxation. Each day was so full, and the week passed too quickly. Yet, it was the perfect trip length.Andrea Wang - Washington, DC


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With another round of fare increases on the horizon for both Buenos Aires taxis and subways, which mode of public transportation has seen the largest fare hike over the past decade?
The initial fee or la bajada de bandera (lowering the flag) for a BA taxi was $1.44 pesos in 2004. That fee rose to $1.60 the following year, $3.10 in 2007, $3.80 in 2008 and $5.80 in 2010. Not one but two fare hikes in 2012 and 2013 rose the initial fee to $9.10 in 2012 and $11.00 in 2013. The current rate of $12.70 (US$1.60) represents a 781% increase over the past decade.
The meter rate or ficha for a BA taxi, which clocks every 180 meters traveled and/or 60-second interval the taxi is stationary, was $0.18 in 2004. In May that fee was raised from $1.10 to $1.27 which represents a 605% increase over the past ten years. For nighttime taxi service, the initial rate jumps to $15.20 pesos while the meter rate goes to $1.52.
The cost of a BA Subte pass in 2004 was $0.70 pesos, a state-subsidized fare which only saw a twenty cent increase in 2009 followed by more significant hikes once control of the Subte was transferred to the city. Subte fares more than doubled from $1.10 to $2.50 in 2012, rose to $3.50 in 2013 and reached $5.00 pesos this year or $4.50 for riders using the SUBE card. The current Subte fare of $5.00 (US$0.63) represents a 614% increase since 2004. (Full Story in Spanish)
For more information about Argentina real estate investments, complete the form below.


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Locks and dams matter.
Improving the Illinois, Mississippi, and Ohio River system has been an Illinois Corn Growers Association priority for over 20 years. Waterways infrastructure gives Illinois farmers and other Illinois industries a competitive advantage over other states in transportation of grain and other agricultural products. However, in the last 50 years, these locks and dams have become dilapidated and outdated. The crumbling lock and dam system costs Illinois corn farmers every day in lost efficiency getting their product to global marketplaces.
Improving our lock and dam system NOW is critical not only for Illinois farmers but also for all Illinois citizens, for our country, and for our world.
Ensuring Cleaner Air: Inland waterways transport generates fewer emissions than rail or truck. The emission comparison between inland towing, rail and truck transportation shows that fewer air pollutants are generated by moving products on American's inland navigation system.
Saving Energy: Transporting freight by water is the most energy-efficient choice. The most energy-efficient way to move commodities such as coal, grain, iron, steel, aggregates, petroleum and chemical products is to use the nation's navigable rivers. Barges can move one ton of cargo 576 miles per gallon of fuel. A rail car would move the same ton of cargo 413 miles, and a truck only 155 miles.
Protecting Communities: Inland waterways transport moves hazardous materials safely. All transport modes work hard to prevent accidents, human errors and other causes of spills, including groundings in the case of barge transportation. Overall, spill rates are very low – with trucks losing only 6.06 gallons per one million ton-miles, rail cars only 3.86 gallons and barges 3.6 gallons per one million ton-miles.
On December 17, just three days before short-term Continuing Resolution (C.R.) funding for the Federal government was to expire, the House passed the FY20 Energy and Water Development (E&WD) and...More
Locks and dams on the MIssissippi and Illinois Rivers need improvement. The Illinois Corn Growers Association (ICGA) has made obtaining funding for the project a legislative priority for well...More
According to the Russell Marine Group, a logistical coordination company working on the rivers, the inland waterway transportation system and everything within is stressed and upside down, with...More
Secretary of Agriculture Sonny Perdue believes that U.S. farmers will see an immediate response from China regarding commodity purchases once a free trade agreement is signed. Additionally, USDA...More
Peter H. Stephaich is Chairman and CEO of Blue Danube Incorporated and Campbell Transportation Company. Currently, he is also Chairman of the Board of the Waterways Council, Inc. (WCI). WCI is...More
The Waterways Council Inc (WCI) is holding a national conference this week in Washington, D.C. On the agenda is an address by Secretary of Ag Sonny Perdue and by officials from the Army Corps of...More
U.S. Senator Tammy Duckworth will receive the Waterway Council Inc's (WCI) 18th Annual Leadership Service Award on Tuesday evening, February 12, 2019, at the Mayflower Hotel in Washington,...More
The Illinois Waterway, which provides a navigable connection between Lake Michigan and the Mississippi River, includes eight lock and dam sites which are long overdue for significant repairs. In...More
The Senate approved America's Water Infrastructure Act, which includes the Water Resources Development Act (WRDA) of 2018 this week by a vote of 99 to 1. S. 3021 authorizes Corps of Engineers'...More
House and Senate committee leaders reached a bipartisan, bicameral agreement on 2018 Water Resources Development Act (WRDA) legislation earlier this week, known as the America's Water...More
Thanks to Jim Tarmann for this editorial on Olmsted's first historic lockage. Last week on August 30, 2018, after more than 30 years in the making, we cut the ribbon for one of the largest...More
Last week, leadership from the U.S. Army Corps of Engineers and leadership from IL Corn and American Commercial Barge visited LaGrange Lock and Dam. The dam was built in the 1930s for 50 years of...More
At the end of June, the Institute for Journalism & Natural Resources took a group of journalists on a tour of the Mississippi River. They wanted to understand the issues impacting climate and...More
This week, the House of Representatives approved the Water Resources Development Act (WRDA) of 2018 that authorizes Corps of Engineer's work on locks and dams, dredging and other water resources...More
For years (and years, and years, and years) we have asked for the funds to modernize our inland waterway transportation system. For years, our government has failed to appropriate the funds...More
During yesterday's Transportation and Infrastructure Committee hearing in Washington, DC, Congresswoman Cheri Bustos and Congressman Rodney Davis reminded the Army Corps of Engineers (ACE) that...More
An op-ed by US Department of Agriculture Secretary Sonny Perdue concerning the recently proposed infrastructure plan by the Trump Administration. Originally published by Des Moines Register...More
The Waterways Council, Inc. (WCI), is expressing worry that the President's budget request is inadequate for waterways infrastructure improvement needs, running contrary to what Mr. Trump had...More
R.D. James was confirmed On January 25, 2018, by the full Senate as Assistant Secretary of the Army, Civil Works (ASA (CW)). His nomination had been favorably reported by both the Senate...More
Ten Senators from seven states sent a letter to OMB Director Mick Mulvaney requesting immediate attention to Mississippi & Illinois River lock modernization and ecosystem restoration in the...More


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I am having a difficult time sleeping. My mind is racing through all different things. Things that make sense, some that don't, some that are terrible scenarios…I can't shut it off, the only thing to do is to write and try to get it all down and then maybe I can get some sleep.
Robin, my father-in-law is in the hospital. He went in on Thursday night. I am very frightened, even though everyone else in the family seems to be taking this as something rather routine. In a way it is because of Robin's crohn's and his tendency to be hospitalized at least once a year. I am new to the family though and don't see it as routine. Also, Richard, Evan's brother is coming from Seattle this week. That makes me scared. Why would Richard be coming if it wasn't serious?
The thing that makes me nervous is that this doesn't have anything (as far as they can tell) to do with Robin's illness. Initially they thought it was an infection caused by the needle from his prednisone shot nicking a nerve or something. Making his leg swell and become both numb and inflamed. Now, his leg is becoming almost unrecognizable, they have ruled out the shot as the culprit, still believe it is an infection but do not know the cause. Nor it seems how to stop it. They are taking blood draws about every hour, his blood is not clotting, he has been sent in for a second MRI.
I love Robin. He is, as Anne of Green Gables would say, a "kindred spirit". He and I have been getting to know each other over the last couple of years and I enjoy him. He doesn't always look on the bright side of life, but he most often is looking at the good in life. He is the person in Evan's family that I most relate to and can speak freely with. I don't feel overwhelmed by him, nor belittled. He makes me laugh and I think, in all honesty, he keeps my mother-in-law from becoming a complete recluse crazy cat/dog lady.
Robin's sudden downturn is happening on the heels of Evan and I beginning in earnest to make the move to PNG. I think that it is part of Satan's attempts to bring stress, doubt, anything bad into our lives right now. There have been other things happening recently that are (in our minds) also in line with this theory.
I was suffering from pretty bad paranoia (and thus interrupted sleep patterns) for about a week off and on. At first I just had these horrid feelings of being watched, of thinking someone was in the house. Then I was overwhelmed with the feeling that someone was going to try to kidnap Liam. I even resorted to at first locking his window and then bringing him into bed with me, because I couldn't sleep after having these thoughts. Evan and I talked about it and I have been praying and that seems to be working…There are other things going on that I don't really want to get into. Paramount on my mind is Robin and now that I have laid out my fear I think I can try and sleep now.


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"Spicy black and blue fruit aromas show good power and just a hint of black pepper. Supple and seamless in texture, offering layers of Bing cherry and cassis flavors and a touch of mocha. Exceptional balance for its big power, finishing with a gentle creamy note, leaving dark berry and cracked pepper notes behind."
- • Year: 2014
- • Producer: Layer Cake
- • Dominant Varietal: Syrah / Shiraz


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Non-Acceptable Waste
Dumpster Agreement
Moving Services
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$250 + $45 landfill fee per ton. Includes delivery & pickup. Max weight is 3 tons/6,000 lbs
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$200 + $45 landfill fee per ton. Includes delivery & pickup. Max weight is 2 tons/4,000 lbs
• All dumpster rentals have a 7-day rental period.
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TASSIMO PROFESSIONAL is the brewing system that creates barista-quality specialty
beverages, made with 100% premium Arabica coffee beans, espressos and real milk
Roll over each cup below to learn more about what makes TASSIMO PROFESSIONAL specialty
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Create exceptional cappuccinos with genuine GEVALIA espresso topped with a layer
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Savor the silky flavor and enticing aroma of every cup of real coffee from premium
brands like GEVALIA.
Invigorating Euro-style GEVALIA espresso that employees can enjoy without leaving
the workplace.
Taste elegant TWININGS teas, in preferred varieties like Earl Grey and English Breakfast,
expertly steeped to elicit perfectly balanced flavor.
Relax with the decadent flavor of hot chocolate made with real chocolate syrup from
SUCHARD, one of Europe's premier chocolatiers.