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Payments and banking become such an unity on financial services and can not be separated. We need those activities to managing our assets and financial life.
But, the existing financial system and banking still facing some basic problems that can be blocked the progress of banking and financial system and decreasing our satisfaction using the banking and financial system. And this is where the TraXion will take a part, to overcome those problems and become the new solutions for many people all over the world.
[infobox style="alert-success"]Introducing TraXion Network[/infobox]
Like what has been said before, TraXion is built up with the mission to overcome the problems on the existing model of financial system and banking. TraXion have the mission to be a better bank in the blockchain-driven environment, enabling its community to load, send, save, spend, lend, borrow, and more using secure, simplified yet compliant applications.
TraXion will be creating the environment where the profits meet non-profit sectors and develop a synergy towards corruption free social impact activities. TraXion also launching several products and some beneficial services to preparing themselves for its exciting event involving the crowd in its mission.
TraXion also will be held an Initial Coin Offering (ICO) to achieve the objectivity of platform. And after getting the fundraising, it will be used by TraXion team to build further development.
[infobox style="alert-success"]The TraXion Ecosystem[/infobox]
Unlike the other company that formed and registered their entities and have an irrelevant product to anchor its value propositions, TraXion will do it differently. TraXion will be approaching the success of existing business around payments, wallets and crowdfunding or fundraising platform. TraXion will be carrying it on the same propositions and business model, but the significant improvements on functionalities and the system flow using blockchain technology.
To executing this approach, TraXion is making a partnership with the other corporations the Gava Technologies Inc. Like we all already know Gava Technologies is a corporation that empowering GavaGives.com, end-to-end fundraising platform. It's offering more than 20 payments options and user-friendly management dashboard with analytics.
With Gava Technologies, TraXion built up some beneficial products that running on Healthcare and insurance services. BayaniHealth, Parachure, and Azurrance. TraXion also already have a platform as a result of their partnership with Gava Tech, the TraXion Wallet. This wallet is currently enabled transfer of funds collected by non-profit organizations to their chosen bank account through a disbursement gateway.
Beside that, The TraXion also will be lanching their product the HyperTraXion Wallet. Its the same structure wallet as TraXion Wallet but with smarter data analytics improvements.
[infobox style="alert-success"]The TraXion Token[/infobox]
Its a common thing in the crypto world, that every platform has their own kind of token. That token will be used to make transactions or payment or even a reward for users across the platform, and so does with TraXion platform. TraXion has its own token, and its token can be known as TraXion token or can be symbolized as TXN token.
TXN token basically is a virtual currency token that based on blockchain technology and being operated by a Smart Contract that running on Hyperledger. TXN is made up using the ERC20 protocol and built up on Ethereum Network.
More info:
- Bitcointalk: 135cc
- ETH: 0x002a3C863a9C8C918FfDAfB3E9E09a18F12C99Df


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Very exciting news – Little Bear's On The Green is ranked Number 1, in Redbridge, on Daynurseries.co.uk!
We are all absolutely delighted at this news as the Daynurseries.co.uk rankings are based purely on parental feedback. Little Bear's On The Green has now received such feedback to give us a 9.9 out of 10 rating !!!!
Valentines has previously held the Number 1 spot for some years, hence the sheer delight from the Little Bear's team in the news that we had taken the top spot.
Equally, Little Bear's On Seagry Road and Little Bear's In East Village are shooting up the leader board as well.
Thank you to those parents that have taken the time to review Little Bear's and especially those that have rated us so highly. It is very much appreciated by all of the team, as a mark of recognition for the hard work, care and attention that is paid to their roles and the children in their care.

subset: commoncrawl


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"Please forgive me ... I am sorry ... I love you ... Thank you ..."
Dr Hew Len
Here is a brief summary of a truly remarkable man, Dr Ihaleakala Hew Len, a Hawaiian healer who works with and teaches a powerful self-healing and self improvement system known as Ho'oponopono.
Dr Len's history:
More than twenty years ago, Dr Len miraculously healed a ward of mentally ill criminals at a Hawaii State Hospital using Ho'oponopono.
Dr Len is a University trained physician and although he did not create Ho'oponopono he should be credited for simplifying and improving the process after diligently studying under the guidance of his teacher Morrnah Nalamaku Simeona, a Hawaiian traditional healer and international teacher until she passed away in 1992.
From 1984 - 1987 Dr Len was staff psychologist for Hawaii State Hospital where he oversaw the high security facility that housed criminally insane male patients. These patients were not the type to mess with, least of all turn your back on because they had committed violent crimes such as murder, rape, assault and because of their degrees of 'insanity' were locked into this high security psychiatric facility. Naturally, violence against each other and staff members was common.
Remarkably in 1987, wrist and ankle restraints were no longer required as violence in this facility had virtually ceased. As the spirits and order improved, new off-site activities were introduced to these former violent patients, and as patients improved and healed they were moved into non-violent wards or released altogether. In just three years the entire facility was closed down ... what a miracle!
How did such miraculous changes take place in this hospital?
According to Dr Len, he did not do any therapy or counseling with these patients. In fact, he literally did not see his patients in person! He simply practiced the Ho'oponopono process on a daily basis which included accepting 100% responsibility for everything being experienced by him, and this he says is what caused such miraculous transformation. In case you are skeptcal, this process has been well documented and witnessed by the staff who worked in this challenging environment.
What exactly is Ho'oponopono and how does it work?
Dr Len says, "I didn't heal them. I healed part of myself that created them."
What does he actually mean by 'part of myself that created them?'
This is fundamental to the entire foundation and process of Ho'oponopono because we are 100% responsible for everything ~ everything and everywhere! Not only our personal mistakes and problems but personal successes too.
This also means if someone somewhere did something and you became aware of that, you are 100% responsible for that too.
This may seem like hogwash, but when you realise you are your world, and the world is a mirror reflection of everything you are, the picture begins to take a totally different shape.
Being 100% responsible is not the same as feeling infinitely guilty for miseries, instead it is a reminder of your creative powers within. Instead of being driven by petty egoic desires everything becomes effortlessly available and inspired from the Divine.
Ho'oponopono is a constant cleaning process - cleaning away subconscious garbage or 'data' as Dr Len calls it, and it is this data that is running us. This data is at the root of everything we experience. Jesus said, "love your enemies" and according to Dr Len these 'enemies' referred to are our negative emotions of anger, hate, greed, judgements, resentment etc which all contribute to the data that runs us causing pain and suffering. Change the data within yourself and the outer world changes.
Sadly, most of the time we use dead or outdated data to base our beliefs, perceptions, actions and experiences.
This constant cleaning is the actual Ho'oponopono practise. To release this data there are specific words one repeats continuously, like mantras, when cleansing one's self of a specific issue, memory or event.
The words are simply:
- I love you ... Please forgive me ... I am sorry ... Thank you ...
Repeating these phrases will ignite the self transformation process, and this is exactly what Dr. Hew Len did to invite divine transformation for his surroundings during his work at Hawaiian mental hospital. These simple words are immensely powerful when uttered either aloud or silently, and with as much sincerity as possible, to the Divine or whom ever you believe your True Creator to be.
To continue your exploration of this amazing healing process, here is more information:
1. A series of nine interviews conducted by Rita Montgomery and Dr Rick Moss with Dr Hew Len. All nine interviews will also appear on the side of this You-tube page here. Preview below:
And, or ...
2. A Ho'oponopono book written by Max Freedom Long,
- I love you ... Please forgive me ... I am sorry ... Thank you ...
Enjoy using this process and exploring the many benefits of taking complete responsibility for everything in your life!


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Race Face Atlas 35 Stem
The Race Face Atlas stem is designed to reduce overall system wight while not sacrificing on stiffness. The Atlas 35 stem is available in 35, 50, and 65mm.
Race Face Turbine R 35 Stem
The Race Face Turbine R 35 stem is one of the strongest stems available that utilizes 0 degree rise to ensure perfect fit and positioning on aggressive bikes.
Renthal Apex 35 Stem
BikeCo.com offers the best in cockpit components. The Renthal Apex 35 Stem features a +/- 6 degree rise and is a great lightweight stiff stem.


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Report : North Africa, back on the uptrend!
North Africa, back on the uptrend!
After the shock of the Arab Spring in 2011, North Africa has seen significant changes in the hotel sector. Six years after the first major drop in tourism, performance seems to be improving.
This report contains analyses of the hotel performances of several North African cities.
- Cairo ;
- Sharm El Sheikh ;
- Algiers ;
- Tunis ;
- Marrakech ;
- Casablanca.
Using these destinations, we will look further into the six years of hotel performance disruption, as well as the means by which the recovery can/is taking place.
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text: Hunger takes no summer break: When school's out, the challenge is how to feed more kidsLearn moreSummer is sexist: Women have to sweat 'bikini bodies,' hair removal, camp and crimeRead the StorySenior Hunger Surges As Boomers Swell The Ranks Of The Nation's ElderlyRead the StoryOnly One in Seven Eligible Kids Get Free Lunch in the Summer. What's Going Wrong?Read MoreMass. should move fast to protect pupils from lunch shamingRead MoreWhy does participation in the federal summer meals program keep dropping?Read the StorySummer Hunger: Advocates Push for Changes to Child Nutrition ProgramsRead MoreCracking the School Breakfast CodeCheck it OutAfterschool Supper Program Only Reaching a Fraction of Mississippi's Kids in Need Read the Story


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SYGNIS AG Installs Scalable Production Capability for Lightning-Link Antibody Conjugation Technology
January 16th, 2018
Heidelberg, Germany and Cambridge, UK, 16 January 2018: SYGNIS AG (Frankfurt: LIO1; ISIN: DE000A1RFM03; Prime Standard), the Group which includes Expedeon Holdings, Expedeon, and C.B.S. Scientific Company, today announced it has extended the manufacturing capability for its Lightning-Link® technology, currently marketed under the Expedeon brand, to support scalability and bulk production of antibodies.
Lightning-Link is an innovative technology that enables direct labeling of antibodies or proteins in as little as 20 minutes, for use in R&D applications, drug discovery and the development of diagnostic kits. Lightning-Link kits are the world's fastest, easiest to use and most efficient method of labeling antibodies or proteins, requiring only 30 seconds hands-on time, and there are no separation steps involved, meaning 100% of materials are retained.
The increased manufacturing capability means the Company is now able to offer the Lightning-Link product range in volumes from 10µg to 100mg, in single reaction vials tested with Rabbit IgG in ELISA. For antibody manufacturers that have fixed internal processes for conjugation, bulk supply of ultra-high quality raw materials and labels that are used in the Lightning-Link kits are also available.
Alastair Carrington, VP Business Development & Marketing, Expedeon, commented: "The ability to further support antibody manufacturers at both small and large scale, including those requiring bulk raw materials to work with historic standard operating procedures, provides the opportunity to reach new, high value markets. Access to Lightning-Link technology will enable manufacturers to dramatically increase their conjugate portfolios, whilst retaining batch-to-batch consistency."
All raw materials used in Lightning-Link kits are manufactured from natural sources, grown in continuous microalgae culture, providing assurance of high quality purification with extreme quantum efficiency and excellent stability.
About SYGNIS AG: www.sygnis.com
SYGNIS develops and commercialises value-added, easy-to-use, reliable products for genomics and proteomics research based on its proprietary technologies, offering a wide range of solutions that address key challenges in molecular biology. With applications spanning the entire molecular biology workflow, the Group's cutting-edge offerings include easy-to-use off-the-shelf products as well as custom services, supporting scientists from academia through to commercial manufacturing. SYGNIS' products are sold through a direct sales force and several distribution partners in Europe, the USA and Asia. SYGNIS AG has offices in Germany, Spain, UK, USA and Singapore which trade under the Expedeon, Expedeon and C.B.S. Scientific brands. The Company is listed on the Prime Standard segment of the Frankfurt Stock Exchange (Ticker: LIO1; ISIN: DE000A1RFM03).


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Lennox Electric Parts
We offer replacement parts for all Lennox electric stoves, inserts and fireplaces. We stock some of the more popular parts, and any part that we do not have in stock we can order in. If you can not find the part you are looking for please call, e-mail or fill out our Parts Request Form and we will be happy to assist you.


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2017-09-12-eea-introductory-seminar - Thorfinnur Omarsson
EFTA's seminar on the EEA for professionals, both inside and outside the EU, with a thorough understanding of how the EEA integrates Iceland, Liechtenstein and Norway into the EU's Internal Market.
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Travel data can supercharge the integration of loyalty with the everyday
18 January 2017
The convergence of travel loyalty programmes has developed significantly over the past year, with more brands wanting to give members flexibility and choice.
Giving members the ability earn, redeem or even part-pay with points all on the same platform will take off in 2017. At a time when consumers are expecting more than ever from brands to earn their loyalty, loyalty programmes need to offer the flexibility and choice their members are looking for.
Read the full article here.


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I often wonder just how much facility humans have for change.
During the four college tours I took with my son last week in Pennsylvania, young men and women spoke ebulliently about the discussions on their campuses. Students are asked about their feelings on gender-neutral bathrooms at their dorms. There are policies on trust, and conflicts are expected to be resolved openly between students, facilitated by trained upperclassmen dotted throughout residential housing. Guards are placed at doors of fraternity parties to remind students to be sensitive on matters of racism, sexism, and homophobia.
I am 100 percent for the "social and emotional learning" that has crept into education. But I am also wary. As a writer, I know that words are only so effective, and that the reality of human nature belies all the flowery things that can be said about it.
I turned to a dad on one of the tours, somewhat alarmed.
"Do you think anyone hooks up anymore?" I asked. "What if they're too scared?"
He smiled.
"Why don't you ask her?" he said, gesturing to the smiling co-ed guiding us with her great wide smile.
I'd thought about it. After all, when push comes to shove, with all the marketing speak we'd been hearing for days, with all the pointing out of beautiful ivy-covered buildings and hallowed libraries, most kids think a lot about what kind of opportunities they'll have to find love and its physical counterpart, sex.
With the headlines screaming out sex scandals daily, implicating the faces and voices we've trusted for years, it would seem that the world has gone crazy.
The millennials, of course, are crying foul, and vowing to do it differently.
Can they? It reminds me of a scene from the play "Bengal Tiger at the Baghdad Zoo." Robin Williams stood on a balcony above the stage, spot-lit as he gnawed on a small (stuffed) animal.
"I've got to stop this," he said, as he ripped the lesser beast apart with his teeth.
The metaphor is apt. We are humans, imbued with the capacity for higher brain function, and yet instinct is still our guide no matter what the syllabus at elite colleges say. The old literary adage of "man's inhumanity to man" still applies.
Connecting to other humans in non-aggressive ways should indeed be on the agenda of every school. Our education has to discuss how to get along and communicate better than we have been. But I think it's important to take a hard look at the stories and myths that have survived many generations to understand that it is, to a certain degree, a major game of Whack-A-Mole to root out the more egregious offenses that will inevitably rise up from even at the most "progressive" of places.
It does not surprise me that the aggressive types who get to the top sometimes wield their power when they get there, especially as it pertains to their sexual desires. And while I find their behavior incredibly distasteful, what concerns me is how they were able to get away with it. How hordes of men and women aided and abetted their behavior in the name of getting somewhere.
At breakfast in Philadelphia last weekend, these thoughts coursed through my brain. Dragging my son around to try to help him find his place in the world dredged up a lot of fear and anxiety about what he will discover out there.
I reminded him of a question he asked me when he was 9 and we walked out of the movie "How to Train Your Dragon."
All the dragons were expected to raid the Viking village and bring back food to feed the villainous dragon at the nest. They all did it until one dragon was befriended by a young boy in the village and began to see there could be another way. He saw that the two warring groups could live in harmony.
My son looked up at me as we walked out of the theater and along the sidewalk toward home.
"Why did they think they had to bring stuff back to feed the big dragon?" he'd asked. "Couldn't they just not have done it?"
I nodded and smiled.
"Yes, but they were afraid," I said, regurgitating the excuse used by silent accomplices of both mass genocides and power plays waged in the workplace, in schools, and everywhere you turned.
"When they became less afraid, and realized they didn't have to do it," I continued. "That's when it became light, remember?"
My son was not particularly interested in my early morning lecture about how to save the world. No doubt he was snap-chatting with some cute girl and eating his protein-filled egg-and-pastrami sandwich to bulk up, as it should be.
But I will remind him of the nature of power and the need of people not to feed the beast after he heads off to college.
Hopefully, he will take my call.
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Terms & Conditions
Buying on-line is as safe as buying by mail order. If you feel confident to buy by phone, fax or mail, you can feel confident to buy from Yogaunited. Your rights are the same. In the UK, you are covered by the Sale of Goods Act 1979 and the Trade Descriptions Act 1976.
If you do not wish to order online you can order by phoning 020 8361 1882 or +44(0)20 8449 3556 or emailing email@example.com and sending a cheque made payable to 'yoga united ltd'.
If you receive faulty goods you have the right to a full refund - If your purchase is faulty or broken on arrival, please inform us immediately (within 3 days). You can return it to us in its original unused condition within 14 days, and we will either replace it or issue a full refund. If there is no fault with your purchase but you decide you do not want it, we will refund you the purchase price but not including postage . If you are returning or exchanging goods you are liable for all postage costs . Yogaunited will not automatically refund postage costs, so if you are unhappy with your purchase for any reason, please contact us by email or phone to discuss your concerns. We will be happy to help.
A note about yoga mats: For health and safety reasons - once the packaging has been removed, it is not possible to exchange or refund this product.
All our products are strictly quality checked but if you receive any faulty goods, you have the right to exchange or full refund. In the unlikely event that your customers return any Yogaunited products, please return them to us within 6 months and we will send replacements free of charge with your next order or issue a full refund.
Yogaunited privacy statement - data protection:
We promise that we will never give or sell your details to anybody or any company, anywhere, anytime. We will only use customer data for legitimate business purposes.
In order to comply with the European Union (EU) Directive on Distance Selling, our Terms & Conditions must be agreed to before your order can be processed. These terms and conditions for the sale of goods govern any contract for sale that we jointly enter into and tell you the rights and obligations you have. You may have other rights granted by law and these Terms and Conditions do not affect these. Your statutory rights as a consumer are not affected.
By placing your order you are offering to buy the goods and permitting us to use your personal details for the purposes of supplying goods (including passing your details onto couriers and other subcontractors). We will not use your details for purposes other than those stated in our Privacy Statement (above) without asking your consent and you may request that your details are removed from our system by writing to us.
We are not obliged to supply the goods to you until we have confirmed acceptance of your order and this is when the contract is made. Your credit card payment will be deducted prior to sending the goods ordered. This will usually be within 24 hours of the goods being dispatched. You do not own the goods until we have received payment in full. All prices and offers are subject to change and availability. Errors and omissions excepted. Subject to not selling below our cost price.
You will receive confirmation of your order by email. Please check that the details contained in this email are correct. If there are any mistakes, please let us know immediately. This email is neither an invoice nor a formal acceptance of your order. Invoices are sent by post with the goods. In the unlikely event of us being unable to fulfil your order or part there of, (due to having sold out of a selected item), or there being an error in your order we will advise you as soon as it is possible.
If payment has been made on an order that we are unable to fulfil we will immediately refund payment by the same method by which the payment was made.
Local taxes & duties for those outside the EU are the responsibility of the shopper or recipient in the country of destination.
When you buy online, we will automatically calculate shipping charges by weight - before you make any commitment to buy.
Please note that due to the nature of mail and courier services we cannot offer any guarantees on delivery times.However, we make every effort to ship your parcel as quickly as we can, and are confident that unless you are very unlucky, your parcel will arrive when expected!
If you order goods that are marked as 'pre-order', we will reserve the in-stock items for you, and ship the whole order in one consignment once the pre-ordered items are back in stock.
International deliveries outside the EU may be subject to customs clearance. Yogaunited cannot be held responsible for any delays caused by Customs or other government authorities.
From time to time we run promotional offers. These are ususlly in the form of a code to be entered at the chcekout in order to receive a discount.
Unless otherwise stated, these offers do not usually apply to purchases from the wholesale or sale sections of our catalogue, holidays, training, and education


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10' Above Ground Community Storm Shelter 14 People Capacity – MOBILE UNIT/RENTAL UNIT
Short-Term or Long-Term rentals
Great for:
- Construction Sites
- Gas Drilling Sites
- Festival Events
- Seasonal Use
This StormBox Above Ground Community Storm Shelter is ideal for larger groups of people in need of a proven storm shelter that will provide fast and economical protection. This MOBILE SHELTER is manufactured to FEMA 361 and ICC-500 guidelines and is rated to withstand an EF-5 Tornado. Rated for 14 people, this tornado shelter features the following:
- Dimensions
- Shelter: 8' wide x 8'-6" tall x 10' long (80 square feet)
- Skid: 10' wide x 12" tall x 20' long
- Total mobile shelter weight: 37,340 lbs
- Door dimensions: 3'3" wide x 6'9" tall (ADA accessible) with two doors per unit
- Built with the following steel specifications: All structural steel plates and angles are ASTM grade A36 steel. Rectangular steel tubes are ASTM Grade A500. All structural steel tubing has a ¼" thick wall. All welds are inspected by a CWI (Certified Welding Inspector). All inspections meet IBC Ref: 1704.3.1
- Paint system is rust and corrosion–resistant.
- Interior: Water Borne.
- Exterior: Urethane Industrial Strength ( Standard for Automakers)
- Triple-locking door system for extra safety and security
- 20 AMP, 110 Volt electrical service is needed. Both exterior and interior lights have 90 minute emergency back-up battery.
- Convection air ventilation system included
- Portable foundation system
- Shelters meet FEMA 361 and ICC 500 codes with 250 MPH wind rating. Wall sections and doors successfully passed Texas Tech Wind Research Institute simulated tornado missile impact test. Shelters are designed and sealed by a structural engineer.


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The first signs of autism spectrum disorder (ASD) usually appear between ages 1 and 2. But according to a recent study, magnetic resonance imaging (MRI) could help doctors detect autism prior to an infant's first birthday.
"Autism spectrum disorder is a developmental disability that can cause behavioral, communication and social challenges," explains Dr. Ahmad Bailony, a pediatrician affiliated with Sharp Chula Vista Medical Center. "About 1 in 68 children have been identified with ASD, and it is about 4.5 times more common among boys than girls."
Past studies suggest that brain enlargement in certain regions can be a predictor for children diagnosed with autism. So researchers in the recent study conducted MRIs on a small group of infants to observe any apparent relation to brain enlargement and the development of the disorder. The study consisted of MRIs performed on 106 high-risk infants and 42 low-risk infants over the course of two years. As a result, it successfully predicted 15 high-risk infants diagnosed with autism at 24 months, with 80 percent accuracy.
The study compared children at high risk for developing autism, meaning they had at least one sibling with ASD, and children with little to no known risk. Siblings of children with ASD are significantly more likely to develop the condition than those without a family history, according to the Centers for Disease Control and Prevention (CDC).
This study is unique in that MRIs are not commonly used for children, because they take 30 to 45 minutes to complete. During that time, a person must stay completely still, which can be difficult for a child, let alone an infant.
According to Dr. Bailony, this small study needs to be repeated with a larger group before conclusions are made. However, he believes that it sheds light on the ability to predict autism before social cues are observed — a very important possible outcome.
"I hope this means we can find some sort of marker where we can identify kids who are more likely to develop autism earlier on. This way, we can start treatment plans earlier," Dr. Bailony says. "If there's one thing that's been shown about autism, it's that when we detect it earlier and provide children with more intensive treatment sooner, they do better. The earlier we can start to detect these changes, the better the outcome."
Most parents detect possible signs of autism when their children are between ages 1 and 2. According to Dr. Bailony, possible signs of autism spectrum disorder include:
- No big smiles or other warm, joyful expressions by 6 months or thereafter
- No back-and-forth sharing of sounds, smiles or other facial expressions by 9 months
- No back-and-forth gestures such as pointing, showing, reaching or waving by 12 months
- No babbling by 12 months
- No words by 16 months
- No meaningful, two-word phrases (not including imitating or repeating) by 24 months
- Not responding to one's own name by 12 months
Parents who are concerned that their child is not hitting developmental milestones or that their child is showing several of these signs, should consult with their child's doctor.
For the news media: To talk with Dr. Bailony for an upcoming story, contact Erica Carlson, senior public relations specialist, at firstname.lastname@example.com.


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Self Lender - Credit Builder Account review
Build your credit history without getting a credit card.
|Initial Fee
|Monthly Fee
|BBB Rating
|Customer Support
Online Chat
|Cancel Anytime
What is a Self Lender - Credit Builder Account?
Credit builder accounts — also called savings-secured installment loans — are secured by virtue of how they're set up. The entire value of the loan is in a certificate of deposit (CD), which can be taken by the lender if you default.
Through Self Lender - Credit Builder Account you can take a loan out for $525, $545, $1,000 or $1,700 from one of Self Lender's banking partners. The funds from the loan are then held in a CD that earns 0.10% APY for 12 months.
What's probably best about this loan is that you don't have to meet a minimum credit score requirement. The loan being completely secured greatly reduces any risk to the lender, thus relieving some of the requirements other providers or loan types carry.
Product details
- Choose to hold your funds in a 12-month or 24-month CD, depending on the account value you choose.
- You can earn an APY of 0.10% on the amount in the CD.
- Your consistent monthly repayments are reported to the three main credit bureaus: Experian, Equifax and TransUnion.
- Repayments made on time and in full can positively affect your credit score.
- There's an annual fee of $9 to $15 (varies by product), depending on the account you choose to open.
- You won't be hit with prepayment fees should you find yourself able to pay off your loan early.
What makes Self Lender - Credit Builder Account unique?
A Self Lender - Credit Builder Account isn't a loan in the typical sense. Usually when you take out a loan you get the funds, spend them and then repay the loan.
With Self Lender - Credit Builder Account you take out a loan with a banking partner and your funds are held in an FDIC-insured CD for 12 or 24 months, depending on the account value you choose. You make 12 or 24 equal payments over the course of your repayment term, and the partner reports your payment history to the three major credit bureaus each month. Once you've paid off the loan, the funds in your CD will have matured — with earned interest.
When you use a credit builder account, you can establish a payment history. Keeping up on your payments and making them in full can help bolster your credit score.
How much does Self Lender - Credit Builder Account cost?
It's free to join Self Lender. When you establish your credit builder account, the following rates and fees will apply:
- Interest rate:
12.03% on the loan amount with a maximum APR of 15.98%.
- Annual fee:
Nonrefundable $9 to $15 (varies by product), depending on your account value
If you miss a payment by more than 15 days, you'll be charged a late fee of 5% of the monthly payment due.
How does Self Lender - Credit Builder Account compare to a secured credit card for building credit?
One key difference is the requirement of an upfront deposit. Secured credit cards require you to provide cash upfront to secure the credit limit on the card. Meanwhile, Self Lender does not require that.
Summary of the main differences between Self Lender - Credit Builder Account and a secured credit card
|Self Lender - Credit Builder Account
|Secured credit card
|Upfront deposit requirement
|Total amount of credit limit, usually $200 to $500
|Access to funds
|No access until after 12 or 24 month of payments, depending on your account's value
|Ongoing access to credit limit
|Credit reporting
|Reports to the three major credit bureaus as an installment loan
|Reports to the three major bureaus as a revolving line of credit
|APR of 12.03% to 15.98% (varies by product)
|APRs start at 9.99% but can be as high as 24.99%
What are the benefits of a Self Lender - Credit Builder Account?
- Build — or rebuild — your credit.
These accounts are intended to do exactly what they say: Help you build your credit. To successfully do so, you'll need to make timely, in-full payments every month. A good payment history isn't the only thing that makes up a credit score, so it could help to read more about how to build your credit.
- Refer a friend.
When you start your account with Self Lender, you're assigned a unique referral link. Should your friends or family create an account through that URL, you receive $10 after they make their first payment toward a loan.
- Equal monthly payments.
There's no need to worry about variable payments. Installment loans come in equal, predetermined amounts spread over a set schedule.
- Establish some savings.
The money in the CD is yours after 12 months or 24 months of successful savings, depending on your account's value. That means having anywhere from $525 after 24 months to $1,700 after 12 months, plus any interest that's accrued with the 0.10% APY.
What is the difference between an interest rate and an APY?
Your interest rate is the simple interest you're paid on an account or an investment over the period of a year. For example, if you've invested $1,000 into an account that comes with 1% interest, you'll have earned $10 on that investment at the end of a year.
The annual percentage yield is a bit trickier. An APY is an effective annual rate of return that takes into account the effect of compounding interest over a year. In short, it's the interest rate compounded monthly over the course of a year. Learn more about savings accounts.
What to watch out for
CD-secured installment loans like Self Lender - Credit Builder Account can help build your credit score as they advertise, but they affect more than one part of your score. The amount that you save with the CD is also less than what you're paying in interest on the loan, so it'll cost you in the end.
Here are a few things to keep in mind before applying for an account:
- Open accounts affect your credit score.
Payment history makes up 35% of your FICO score, but other factors are affected by opening a new account. How much you owe versus how much open credit you have also makes up 30%, while new accounts and credit inquiries make up 10%. It may be worth considering the impact that closing your account after the loan is up will have on your score.
- No simultaneous accounts.
While you can take out another loan after your first is up, you can't have two open at the same time with Self Lender - Credit Builder Account. If you're hoping to make more payments per month or save more, you may need to look for alternatives.
- The APY is very small.
Though it's marketed as a way to save money, it's important to look at just how much you're saving. For a $1,700 "deposit," you'll pay $150 per month — which means you'll pay $1,800 over the life of the loan. This doesn't include the $12 admin fee you'll pay at the beginning of the loan. The expected value of your CD on release is $1701.70 — thus you will have paid $110.30 more than what you'll withdraw in the end.
- No funds access for 12 months.
This type of loan renders the funds inaccessible for 12 months — or until you pay the loan off completely. You won't be able to access what's in the CD, and you won't have any way of pulling from what you've paid into it. If you think you'll have issues making monthly repayments, you may want to consider another option.
Start your credit repair journey with these services
Am I eligible to apply with Self Lender - Credit Builder Account?
If you're ready to start building your credit and saving with Self Lender - Credit Builder Account, you'll need to:
- Be at least 18 years old.
- Have a valid Social Security number.
- Have a valid email address, residential address and phone number.
- Have a bank account or debit card that's in your name.
Is applying for a loan through Self Lender - Credit Builder Account safe?
Yes. Applying for a Self Lender - Credit Builder Account is safe.
Self Lender uses multiple encryption levels to secure your information, including 256-bit Secure Sockets Layer. On top of the encryption, Self Lender regularly tests and scans its security systems to prevent hacking.
As far as accreditations, Self Lender is an FDIC member and is accredited with the Better Business Bureau, which gives it an A rating.
How do I apply?
Now that you've checked your eligibility, there are just a few steps to apply:
1. Visit Self Lender's website.
2. Click Get started.
3. Select I want to build credit and savings.
4. Enter your contact information to create an account.
5. Complete the required form.
6. Submit your application.
The entire process usually doesn't take more than five minutes.
I got the credit builder account with Self Lender. Now what?
You're on the way to better financial health, and that's a big deal. You can log in to your Self Lender - Credit Builder Account to make one-time payments at any point. If you miss a payment by more than 15 days, the late fee is 5% of the monthly installment. You could set up automatic payments: If you're sure you can have the payment amount in your bank account every month on the same day, autopay can save you from missing a payment.
Bottom line
Building and rebuilding credit can be a strenuous experience. Self Lender - Credit Builder Account may be able to ease some of that with a simple system and straightforward repayments.
Credit builder loans aren't the only way of building credit though. Compare other options for improving your credit score to find what will best fit your needs.
Frequently asked questions
Ask an expert


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In a recent AARP study, nearly 75% of adults 45 and older said they strongly desire to stay in their current home as long as possible if they have a chronic illness or need long term care. Many baby boomers state that they would never cross the threshold of a traditional nursing home. But what happens if a spouse is not able to take care of you or you can no longer get around your home?
Many assisted living residences have replaced nursing homes to provide care to those who are chronically ill or have lost their mental capacity. But Increasing numbers of baby boomers will seek out new alternatives for independent living where care can be provided.
Intentional communities for philosophical, religious, and lifestyle groups are emerging. Wikipedia describes an intentional community as "a planned residential community designed from the start to have a high degree of social cohesion and teamwork. The members of an intentional community typically hold a common social, political, religious, or spiritual vision and often follow an alternative lifestyle. They typically share responsibilities and resources."
Alex Mawhinney (email@example.com) , a developer of retirement communities for over 25 years, reports that "intentional elder neighborhoods are becoming the new paradigm for elder living." He states that boomers will no longer be interested in "the older generation of elder living options that were available to our parents that follows this model:
- Age in place — in a home not designed for aging in place, and eventually aging alone
- Move in with children or other relatives
- Move to an institution — and pay dearly for care delivered by strangers, under their rules and according to their schedules. The institution might be a nursing home, an assisted living facility, a rest home, a retirement hotel, or a continuing care retirement community with multiple levels of care.
There are SOTELs (service-oriented technically enhanced living—like an upscale Embassy Suites); ecovillages; senior cohousing; and the new lifestyle communities like those being developed by Canyon Ranch.These elder neighborhoods are taking many different forms.
The common traits of these new alternatives are that they are:
- Human scaled (not large and impersonal)
- Relationship-based
- resident managed/centered, with an overlay of lifelong learning, later-life spirituality
- giving back to the community
Dr. Bill Thomas, came up with an alternative that he describes as "Green Houses" in the 1990s, based on "a really radical idea: Let's abolish the nursing home."
Thomas, a geriatrician from upstate New York, had patients then who lived in nursing homes, and he realized "that the medicines I was prescribing were not treating the true source of suffering, which was loneliness."
He also realized that traditional nursing homes were going to have to be replaced soon anyway. "Most of them were built in the 1960s and '70s, and, you know, their time is done. So I got to asking the question: What comes next?"
What came next were the first Green House homes, which opened in Tupelo, Miss., in 2004. Now, with 148 Green House homes nationwide, there's enough research to get an idea of how they're working.
And they're doing pretty well.
Each resident has their own private room. There are no strict schedules at Green House homes, so while many of the residents gather at the table for lunch, they can have their meals sent to their room. David Farrell, director of the Green House Project nationwide, explains that those private rooms aren't a luxury — they're safer than a traditional nursing home, where two or even three people might share a room and also share a bathroom with the two or three people in the room next door.
Research also shows that Green House residents maintain their independence longer than residents of traditional nursing homes, where hallways are long and schedules are tight. "So people really are kind of relegated to a wheelchair in order to efficiently move them around," Farrell says, "and they quickly lose their ability to walk."
This program of private rooms and personal service sounds like it could be much more expensive than the traditional nursing home, but Green House home costs have shown to be about the median for nursing homes nationally.
There are now about 150 more Green House homes in development, where residents will be able to enjoy the privacy of their own rooms or the company of the communal table. It'll be their choice.


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Duniway Middle School students in The Shadow Project know they have what it takes to be great.
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Post Date June 27, 2013
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Author The Shadow Project
Category Video
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The Boy Who Learned Upside Down
'Boy' is available at Amazon, Powell's bookstore and other online and retail booksellers. Sales of the book benefit our program!BUY THE BOOK
I am proud of myself because I'm doing better in class and staying focused. I used to have a hard time with my attitude but I'm doing better now. I'm 13 and I have done the Shadow Project since I was six. The Shadow Project is wonderful. I hope to be like you guys and help kids out someday. Sincerely, Fredy


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The U14's played in their County tournament last Monday.
They were faced with a strong group, but the girls made qualifying look easy with great defence and making tips and interceptions throughout the court. The turnovers turned into goals and brilliant wins were secured against Pates (5-0), 7- 2 against Balcarras and KLB and finally 11-5 against Ribston.
In the quarter finals the girls started slowly against a strong Tewksbury team. At half time the team were trailing and had to come from behind with some excellent attacking play and plenty of accurate shooting by Francesca Lundie and Evie Green, to record an 11-8 win which took them through to the semi-finals where they faced Cheltenham Ladies College. Unfortunately this was one game too many for the U14's and slowly the game slipped away from them in the second half, eventually losing 4-8.
On this occasion they didn't make the final. But this young promising team will definitely be a force to be reckoned with in the future.
Excellent effort and performance by all.


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Klimarådet is Denmark's new and independent climate council. Through research the council's objective is to advice on efficient and cost-effective climate policies that will bring Denmark towards its goal of reducing CO2 emissions in 2050 by 80 – 95 %.
Did we pique your interest?
Feel free to reach out
Feel free to reach out


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Peonies are commonly known to mean romance, a happy marriage, good fortune, riches, compassion, honor and prosperity. That's a lot of meanings to tie down to one flower, but it's pretty understandable once we get down to its history and mythology.
The peony is the state flower of Indiana, the traditional floral symbol of China and the 12th wedding anniversary flower.
In China, peonies are highly valued and often referred to as the "king of the flowers". Up until 1929, they were the national flower prior to being replaced by the plum tree. Peonies were once implanted at the Imperial Palace, during the Sui and Tang dynasties. Due to this, they are known to symbolise honor, wealth and nobility.
Also, did you know that Chinese name for "most beautiful" actually translates into Peony?
History & Mythology
It is said that the peony was named after Paeon, a physician to the Greek gods. He was the student of the god of medicine, Aesculapius, who became jealous of his talents and tried to kill him. To save Paeon, Pluto (the god of the Underworld) transformed him into a peony, a flower that people would admire and praise. In another version of events, he was "saved" from mortal death by being turned into the flower we now know as the peony.
In ancient and medieval times, peonies were used for medicinal purposes. Their seeds and roots were believed to have been the cure for over 20 diseases including snake bites and epilepsy. Back in the day, in England, young children used to wear necklaces made out of peony roots to help with teething pains and prevent seizures.
Want to find out more about flowers and maybe even learn how to arrange them into beautiful bouquets? Check out our flower workshops! Email [email protected] for more details.


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In the world of pizza, Grimaldi's is an institution. Using only the freshest ingredients, "secret recipe" pizza sauce, homemade mozzarella cheese and dough, Grimaldi's serves award-winning, hand-tossed, coal-fired brick oven pizzas, calzones and house made salads and desserts in an upscale yet casual, family-oriented pizzeria.
Location: Promenade [Lower Level] Ste.1200
Hours: Sun-Thur 11am-10pm; Fri & Sat 11am-11pm
Phone: (915) 594-4929
Website: Grimaldi's


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To sign up for Meridian's Free Newsletter, please CLICK HERE
Over the past two decades I've seen some pretty spectacular books, documents and artifacts pertaining to early Mormon history. I've had the privilege of holding in my hands copies of the Book of Mormon that belonged to the prophet Joseph Smith and his brothers Hyrum and Samuel. I've looked through Wilford Woodruff's reading glasses–and read each of the 805 verses that he marked in his 1876 copy of the Doctrine and Covenants. I've held Jacob Whitmer's seer stone in my hand. And, I've held and read the earliest known handwritten copy of what is now Section 11 of the Doctrine and Covenants. I think that most readers would be surprised to learn that the previously-mentioned treasures are currently owned by private individuals and are not part of the collections held by the LDS Church or one of the Utah universities.
In the title I mention "the lost manuscript" of Section 11 of the Doctrine and Covenants. When the first volume of Revelations and Translations (The Joseph Smith Papers) was published in 2009, it featured the earliest known images of most of Joseph Smith's early revelations. However, the handwritten copy of that revelation received by Joseph Smith for his brother Hyrum, which is now known as Section 11 of the Doctrine and Covenants, was not among the images in that book. If the location of this handwritten revelation was not generally known in 2009, for all intents and purposes, it was "lost". Where had it been for the previous 180 years? Although I don't know all of the answers, in this article I hope to shed a little further light on this history and location of the original manuscript.
This revelation was first published in 1833 in the Book of Commandments as Chapter X. Two years later it was published in the first edition Doctrine and Covenants [1835] as Section XXXVII. And, since 1876 when Orson Pratt rearranged the revelations in mostly chronological order and added twenty-six new sections, this revelation has been known as Section 11. However, we need to go back to 1829 for its origin.
In May 1829, Joseph Smith and Oliver Cowdery were engaged in translating the Book of Mormon. At the time they were in Harmony, Pennsylvania. On May 15th they received a visit from the resurrected John the Baptist. He bestowed upon them the Aaronic Priesthood. Joseph Smith and Oliver Cowdery then took turns baptizing each other in the Susquehanna River. Following the baptisms the Prophet Joseph reported:
"Our minds being now enlightened, we began to have the Scriptures laid open to our understandings, and the true meaning and intention of their more mysterious passages revealed unto us in a manner which we never could attain to previously, nor ever before had thought of. In the meantime we were forced to keep secret the circumstances of having received the Priesthood and our having been baptized, owing to a spirit of persecution which had already manifested itself in the neighborhood. …
"After a few days, however, feeling it to be our duty, we commenced to reason out of the Scriptures with our acquaintances and friends, as we happened to meet with them. About this time my brother Samuel H. Smith came to visit us. …
"Not many days afterwards, my brother Hyrum Smith came to us to inquire concerning these things, when at his earnest request, I inquired of the Lord through the Urim and Thummim, and received for him the following: [Section 11 of the Doctrine and Covenants]
I first learned that this rare manuscript was in private hands five years ago while perusing a rare book catalogue that listed over $10 million dollars worth of Mormon books, documents and artifacts. As I looked through the catalogue, some of the highlights were a first edition Book of Commandments [1833], Hyrum Smith's first edition Book of Mormon [1830] and Wilford Woodruff's copy of the Book of Mormon. However, I was most surprised to see a listing for the following item: "Section 11 of the Doctrine and Covenants – in Hyrum Smith's Handwriting". Like most students of church history I had assumed that this original handwritten revelation was in possession of the LDS Church.
After seeing these spectacular early Mormon artifacts, a few years passed by. During that time I wondered where the manuscript revelation had ended up. Then, two years ago while visiting a new acquaintance and fellow collector, I learned the answer–it was now in his collection! Following that visit I contacted a friend and scholar at the Church History Library (CHL) who worked on The Joseph Smith Papers. I asked him, "What is the oldest copy of Section 11 that you have?" He responded, "The Book of Commandments" — which was printed in 1833. I then asked another question, "So you don't have any manuscripts predating the Book of Commandments?". The answer was , "No, not even a printer's manuscript". I told my friend at the CHL about the manuscript revelation owned by my friend. He expressed an anxious desire to one day see the manuscript.
Another year passed by. Then, earlier this year , I made another trip to visit my friend with the Hyrum Smith document. He had expressed an interest in possibly selling the manuscript revelation. I asked him if he would allow me to represent him in the sale and also take the manuscript to the Church History Library and allow them to make a proper scan and research the document. After signing the appropriate legal forms, my friend allowed me to take the manuscript with me. As I flew back to Salt Lake City with that precious document, I got my fair share of stares on the plane. After the plane took off, I removed the document from its protective outer case. I lowered my tray table and gently set the legal-sized document on the tray. I then spent the next 20 minutes carefully reading the entire text. The words were written in ink on both sides of the bluish paper. This is what I read (original spelling and punctuation maintained):
A Grate & Marvelous work is about to Come forth among the Children of men Behold I am god & give Heed to my word which is qick & Powerful Sharper than a two Edge sord to the deviding assunder of Both joints & marow there for give Heed unto my Word Behold the fild is wite all ready to Harvest the for who so Desireth to reap let Him thrust in His Sickle with His might & reap while the Day lasts that He may treasure up for His soul Ever lasting sallvation in the kingdom of god ye whoso Ever will thrust in His Sickle & reap the Same is Called of god there for if you will ask of me you shall receive if you will knock it Shall Be opened unto you now as you Have asked Behold i Say unto you keep my Commandments & Seek to Bring forth & Establish the Cause of Zion Seek not for ritches But for wisdom & Behold the mistryes of god Shall Be unfolded unto you & then Shall you Be made ritch Behold he that Hath Eternal life is ritch verrily verily i Say unto you Even as you Desire of me So Shall it Be done unto you & if you desire you Shall Be the means of Doing much good in this generation Say nothing But repentance unto this generation keep my Commandments & assist to bring forth my work according to my Commandments & you Shall Be Blessed Behold thou hast a gift or tho Shalt Have a gift if thou will Desire of me in faith with an Honest Hart Believing in the Power of Jesus Christ or in my power which speaketh unto the for Behold it is I that Speaketh behold I am the light what Shinneth in Darkness & By my Power i give these words unto thee & now verily verily I Say unto thee Put your trust in that Spirit which leadeth to do good yea to do justly to walk humbly to judge rightosly & this is my Spirit verily verily I Say unto you I will impart unto you of my Spirit which Shall Enlighten your mind which Shall fill your Sole with joy & then Shall you know or By this shall you know all things whatso Ever you Desire of me which is Pertaining unto things of rightousness in faith believing in me that you Shall receive behold i Command you that you need not Suppose that you are Called to Preach until you are Called wait a little longer until you Shall have my word my rock my Church & my gosple that you may know of a Surety my Doctrine & then behold according to your Desiris yea Even according to your faith Shall it Be done unto you keep my Commandments Hold your Peace appeal unto my Spirit yea cleave unto me with all your Hart that you may assist in Bringing to light those things of which Have Been Spoken yea the translation of my work Be Patent until you Shall accomplish it Behold this is your work to keep my Commandments yea with all your might mind & Strength Seek not to declare my word But first seek to obtain my word & then Shall your tonges Be loosed then if you Desire you Shall Have my Spirit & my word yea the power of god unto the Convining of men But now Hold your Peace study my word which Hath gone forth among the Children of men & also my word which Shall come forth among the Children of men or that which you are now translating yea until you Have obtained all which I Shall grant unto the Children of men in this generation & then Shall all things be aded there unto Behold thou art Hyrum my Son Seek the kingdom of god & all things Shall Be aded according to that which is just Build upon my rock which is my gosple deny not the Spirit of Revelation nor the Spirit of Prophecy for wo unto Him that denieth these things there for tresure up in your Harts until the time which is in my wisdom that you Shall go forth Behold i Speak unto all who Have good desires & Have thrust in their Sickles to reap behold i am Jesus Christ the Son of god I am the life & the light of the world i am the same which Came unto my own & my own receivth me not But verily verily I Say unto you that as many as receivith me them will I give power to Become the Sons of god Even to them that Believe on my name Amen
Like most flights to Salt Lake City, there are usually several members of the Church scattered throughout the plane. My flight was no different. The guy next to me happened to be LDS. He tried to nonchalantly look over and see what I was reading. Finally his curiosity got the better of him and he asked, "What are you reading?" I responded, "The original manuscript of Section 11 of the Doctrine and Covenants–which is in the hand of Hyrum Smith". He rolled his eyes and said, "Yeah, right! No really, what are you reading?" I repeated my earlier answer. I then asked him, "Have you ever seen a first edition Book of Mormon?" Before he could answer I pulled a copy out from my backpack. He then asked, "Don't you need a bodyguard?" I've traveled over a million miles on planes. I almost always have something old and interesting with me–which often leads to entertaining conversations like this one.
The following Monday I delivered the document to the CHL for review by the experts who work on The Joseph Smith Papers. They spent the next several weeks reviewing the document, comparing the handwriting of Hyrum Smith to known documents and testing the document for any signs of forgery. After several months of review and collaboration, this document was finally added to the online version of The Joseph Smith Papers. Now, for the first time in over 180 years, this handwritten revelation is available for all to see:
So here is what I've learned about the provenance–or ownership history– of this "lost document". This manuscript, which was written by Hyrum Smith, apparently remained with Hyrum Smith and his descendants for about 130 years. For me, it makes sense that Hyrum would hold on to this revelation– it was at his "earnest request" that this revelation was received. Then, several generations later in 1960, it was acquired from the descendants of Hyrum Smith by Walter H. Smith (Mesa, AZ). A little over three decades later, in 1982, the great, great grandson of Hyrum Smith (Hyrum W. Smith), acquired the manuscript from Walter Smith. And, a few years ago it was subsequently acquired by my fellow collector and friend. I've been keeping track of this document for the past five years. It is now owned by Quinton Riches. And yes, it is still available for purchase. When asked what my goal is for this manuscript revelation is–I respond "Hopefully, I will sell it to someone who will then donate it to the LDS Church–so that it can be permanent part of The Joseph Smith Papers".
Reid N. Moon is the owner of Moon's Rare Books in Provo, Utah. He and his wife Melanie and their four children are members of the Edgemont 14th Ward in Provo, Utah.
Brother Moon presents a free monthly lecture–an "FHE Fireside" at his shop in Provo. The next lecture will be Monday, November 7th at Heirloom Art & Co. (formerly Zion's Mercantile) at the Shops at the Riverwoods, 4801 N. University Ave. Provo, UT 84604. Please call 801-802-6064 to RSVP.


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The human brain is remarkable, and the last century we have greatly expanded what it means to be human. The technology and scientific development has taken us to the moon, created the internet and cured many deadly diseases, and new emerging technologies are allowing us to live our lives without boundaries.
How we experience our everyday life has already started to shift with AR and VR acting as disruptors. As our real world is merging with the virtual world, normal rules of physics no longer apply and we will soon be able visit Web Summit from our couch or even meet a loved one who has passed away. The only limit is our imagination.
For humans to be relevant in a matter of decades there is no choice other than to unlock our brains and intervene in our cognitive evolution
-Bryan Johnson, founder of Kernel
Bryan Johnson, founder of Kernel, is developing technologies to understand and treat neurological diseases. It allows them to interpret the brain's complexity in order to create applications towards cognitive enhancement. He believes that in 15-20 years we will have tools to restore or delete memories, or even create a perfect memory.
We will be able to chip our brains to communicate and learn in a completely new way. In essence, we become superhumans. Manipulating our bodies in such way has raised discussions about ethical issues, but exploring and expanding our brain with the help of neuroscience might be the next logical step in the human evolution.
Today, we are already continuously looking for ways to improve ourselves by analyzing our blood and DNA to foresee and prevent diseases. Tomorrow, we can chip our brains, and go from being reactive to proactive.
Startups such as Biohax are already transforming humans into digital creatures by putting a small datachip into the hand enabling access to the office, gym and transportation.
Because humans are the most powerful form of intelligence on earth, we reign superior. However, Bryan Johnson believes this may no longer be the case in the future as AI is becoming increasingly powerful. For humans to stay relevant in a matter of decades, there is no choice other than to unlock our brains and intervene in our cognitive evolution.
Download the report here!
Enter your email below to get infrequent emails from us regarding events and news as well as get direct access to the full Web Summit Report.
Web Summit is the world's largest tech event, and a global meeting place for the world's most innovative technology companies and people interested in how disruption can transform their business and everyday lives.
The event takes place during a couple of days each year and Cartina had the chance to be part of it in late 2017. We really got to experience the latest innovations and meet the frontrunners within different areas of technology – resulting in these trends.
This series consists of 8 global mega trends that business leaders, experts, innovators and disruptors talked about during the days in Lisbon. If you want to read the full report, click the button above and we will email it to you.
Here you can read about the previous trends we wrote about:
Visst borde fler läsa detta? glöm inte att dela!
- Sustainable through Digital Trend #8 of 8 from Web Summit - January 25, 2018
- Digital Democratization Trend #7 of 8 from Web Summit - January 19, 2018
- Humanity 2.0 Trend #6 of 8 from Web Summit - January 16, 2018


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Heatwave Conference for High School Students
June 28-July 3, 2020
Wildwood, New Jersey
The Best Week of Summer!
For over 50 years, the Heatwave Conference has been "The Best Week of Summer" for thousands of teenagers. Life-long memories and life changing decisions are made every summer along the beautiful beaches and legendary boardwalk.
Heatwave offers thought-provoking seminars, competitive sports tournaments, great music, group activities, a beach dance party, and so much more.


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The newsgroup ALTER-EE has been created to help to coordinate anarchist activities in the region of Eastern Europe (such as solidary region wide ABC support for prisoners), and to make communication between groups of different countries easier, and to encourage the free movement of people and ideas from one community to another.
We are mostly interested in establishing contact with anarchist activists from the following countries: Albania, Armenia, Azerbaijan, Bielorussia, Bulgaria, Bosnia, Croatia, Czechy, Estonia, Finland, Georgia, Greece, Hungary, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Macedonia, Moldavia, Romania, Russia, Serbia, Slovakia, Slovenia, Sweden, Turkey, Turkmenia, Ukraine, Uzbekistan.
ALTER-EE Archives
If you are an anarchist activist from the region of Eastern Europe
or if you have contact with one, write to: firstname.lastname@example.com
Search Alter-EE
Interesting links:
Pages translated from Russian with Babelfish:


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Prints on Paper is a 100sqm print studio located in the Assemblage Studios in Newtown.
The studio has a fully equipped silkscreening unit with both a traditional screening table and t-shirt printing table and a large lino printing press that is suitable for lino, collograph and monotype printing.
From 2016 we will no longer offer membership and printing will be by application or invitation only. Send us a one page application to email@example.com and tell us who you are, what your printing experience is and why you want to print with us. We'll get back to you to book studio time.
Everyone likes a neat space and working equipment, so from this year all printers must print with a technician. The added bonus is that he (or she) will help you get the most out of your time printing with us.
Our resident technician charges R50/hour with a minimum charge of R200. Ask us for our 2016 price list and updated editioning policy.
Prints on Paper also presents Pop Up Shops every few months, if you would like to know when these are happening watch our Facebook page or send us a mail to email@example.com so that we can add you to our mailing list.
Prints on Paper produced its first collaborative portfolio Colour.Line in 2014. The portfolio features the works of 22 local printmakers each exploring this common theme. All works are for sale and we would be glad to provide you with more information. Please see images below.


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Boxe Francaise, Canne de combat, Baton, Savate defense, Savate forme
Wednesday, May 18, 2011
FISU world championships 2012 with or without SAVATE?
Monday, 16 May 2011
Theme : Multisports
Events : World University Championships
BRUSSELS - On the 16th of May, Sinisa Jasnic (SRB) and Matjaz Pecovnik (SLO) respectively Chair and Vice-Chair of the International Technical Committee for the World University Championships visited the FISU HQ in Brussels to discuss issues related to the World University Championships' 2012 campaign with the WUC Department.
Topics such as 2012 WUC calendars, bidding situation for 2012 and 2014, doping issues and insurance policy were discussed in order to make recommendations at the next Executive Committee meeting to be held in Lausanne next week and to ensure top events in 29 FISU sports for 2012.
(Source: Julien BUHAJEZUK, WUC Sport Assistant)
Avtor French boxing ob 4:10 AM
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account_circleVanja question for Opeth is
" What inspired the lyrics for Watershed, and a bit more information about that album. It's my favorite and most listened album so far, and some of the lyrics inspired me during the writing of my poetry book. "
phonelink asked Oct 1st 2015 @ 06:37AM
on their Windows Device
on their Windows Device


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Read more....and each graphics card receives its own copy of Battlefield 3.
Read more....and each graphics card receives its own copy of Battlefield 3.
Looks good depending on pricing, would rather have a 6950 with dual bios though. Can we expect a TES V: Skyrim card, or a Diablo 3/Starcraft 2: heart of the swarm down the line as well? One way of beating piracy
Yeah, that is an interesting option. When I got my 8800GTS 512Mb I got Neverwinter Nights 2 for free which is what was the deciding factor in my purchase over other cards. Since then I've seen fewer cards come with games bundled and it's a shame. Perhaps the "politics" involved in preventing other manufacturers getting the same game bundled with their hardware is a stumbling block but I hope something can be worked out because I'd love some free games with my hardware.
Just imagine having Batman free with all nVidia cards(like you get at Scan, but everywhere) and the same for AMD with perhaps Skyrim or the next Dirt game. That would be awesome.
AMD were giving SHOGUN2 for Free for a limited time with purchase of AMD gfx cards.
Some AMD cards also came with DIRT3 and NVIDIA cards have come with Batman and HAWX2
The AMD DiRT 3 promotion seemed to be for almost all of the mid to high end cards. I bought a PowerColor 6870 for a build recently that came with DiRT 3 and the new Deus Ex! Not bad to get around £60 worth of games with a £120 graphics card!
Those are great promotions but were limited ones. I didn't notice any bundled games when I was choosing my graphics card in June 2011 and there really should of been.
I remember seeing bundled game promotions all the time back in 2007-2008, I got both Empire: Total War and Dirt 2 through such promotions and I wouldn't have played my favourite RTS otherwise.
I think going forward there should be more emphasis put on adding value to a hardware purchase with bundled software(games or useful applications). It should also be sustained throughout the year and not only every now and then when a new game/application is released.
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The Triumph Clutch Cable Guide Bracket (A9610531) is a CNC machined replacement bracket with laser etched logo branding.
The Triumph CNC Machined Oil Filler Cap (A9610533) is a replacement cap with laser etched logo branding.
The Triumph CNC Machined Throttle Body Caps (A9610534) are replacement caps with laser etched logo branding.
Great for providing more comfort around pressure spots, the Triumph Gel Seat (A9700246) features Triumph branding and a gel layer for ultimate comfort. Due to the size/weight of this item, a $25 handling fee will be included.
The Battery Optimizer is a fully automatic battery charger for lead acid batteries. This item fits the following models: America, Bonneville, Bonneville SE, Bonneville T100, Rocket III Touring, Rocket III Classic, Rocket III Roadster, Scrambler, Speed Triple up to VIN 461331, Speedmaster, Sprint GT, Sprint RS, Sprint ST, Street Triple, Street Triple R, Thruxton, Thunderbird 1600, Thunderbird 1700, Thunderbird Storm 1600, Thunderbird Storm 1700, Tiger 1050, Tiger 800, Tiger 800 XC, Trophy, and Trophy SE. Market Restrictions Apply.
Make sure your bike is ready to ride when you are, and extend your battery life with the Triumph Battery Optimizer (A9930412), a fully automatic battery charger for all batteries.
Got tach? You will now with the Triumph Tacho Conversion Kit (A9938001) that adds a tachometer to the Scrambler models.
Customize the look of your bike with the Triumph Cam Cover (A9618128), a high-gloss chrome alternative to standard equipment.
Power additional DC-charging devices with the Triumph Auxiliary Power Socket (A9938015). This item requires the Triumph Optimate Adaptor (A9930011).
Lock down your fuel supply with the Triumph Fuel Cap (A9930170), featuring Triumph-branded bezel, knurled edge, and two keys.
Protect the bottom of your engine and get the heritage-race feel with the Triumph Skid Plate (A9708044), a brushed alloy skid plate with a clear anodized finish for durability.
Customize the look of your bike with Triumph Engine Dresser Bars (A9758025). These chrome-plated highway bars have a durable textured black finish, and fit Scrambler models.
Protect high-contact areas from wear with the Triumph Paint Protection Kit (A9930330). This super strong clear film is manufactured by class leaders 3M® for the ultimate in surface protection. This kit is for gloss-finish models.
Enhance the look of your bike with the Triumph Grab Rail (A9738017). Finished in high-gloss chrome with a cast Triumph logo, this rail fits Bonneville, Bonneville SE, Bonneville T100, Scrambler, and Thruxton models.


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Tired landlord syndrome is a common problem we get called in to try and fix as property managers in Dunedin.
We have all heard the stories, a would be property investor is seduced by all the talk around him from friends and work colleagues about their property investments and that he should have a go.
So after reading a couple of articles in the paper or a magazine they go out and buy a property, which they think is a good cheap price and not realizing all of the possible problems they may have bought.
Due to a lack of knowledge, rather than the overall idea being a bad one, this new landlord quickly realises they have taken on a part time job managing the tenancy, arranging or doing all the repairs to the property that they didn't get a thorough enough check done of when they bought and quickly see all the profits they thought they were going to make flow straight out of the door.
With all these headaches and problems is it any wonder that this would be property investor leaves the business.
That leaves us short another service provider that the country needs to supply homes, for those who are not in a position to buy.
Using the best experts in their fields at each step of the property investment process could have prevented or pre planned for most if not all of these problems so that this could have been a profitable and socially rewarding endeavour.
Attending Property investor association meetings and networking with other property investors can help a new investor decide on a set of investing rules which will help them avoid tenancy, maintenance and financing issues when they start their businesses.
Talking to and using a top property manager before they have bought a property would also minimise the risks associated with investing in property. Making sure the location and layout of a prospective purchase is suitable to attract the biggest market and then marketing the property to its best to get good quality tenants interested and applying for the home.
Having maintenance and renovation plans and budgets in advance of needing them help you sleep at night, so there are less unexpected problems coming at you. Remembering that a good deal may only net $1-2k per year in profit in the early years. A lack of rent increases to market rate, an unplanned repair or conceding an improvement to an unreasonable tenant for just a few hundred bucks could wipe out most of you slush fund or profit for the year.
These are the kind of things that can create a tired landlord and advance the selling process before they have had time to allow the investment to mature and grow in to asset in the future.
Again the best time to plan and contact your expert advisors is before you do anything rather than unpicking things later on and putting them right. Talk to your accountant, lawyer, builder and off course property manager before you buy and you should have a long and prosperous career as a property investor.
Tania and Kyle Elmer
Mana Property Management Ltd
Tania & Kyle Elmer are active investors with a large portfolio of properties in Dunedin and Central Otago and mentor investors in the techniques used to grow wealth through property investing. Kyle and Tania are Co-directors of the Leading Property Mangers of New Zealand (LPMNZ). Kyle is a past president of the Otago Property Investors Association (OPIA). They founded Mana Property Management Ltd to provide specialist management services to Discerning Landlords dealing in the quality end of the market. www.ManaProperty.co.nz | Find Kyle on Google+


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New Delhi: Launched in 2014, musical.ly's popularity has been increasing ever since. The app allows users to create videos of their choice using various filters and speed options. It hasn't even been a year since musical.ly was launched in India and it already has more than 15 million registered users. Youngsters are spending so much time on the app that they don't care whether they need a structured career or a job. The types of videos doing the rounds make one believe that they are shot by people having too much time on their hands.
But every negative aspect comes up with a blessing in disguise. The musicaly.ly registration number is helping the government to find out the unemployment rate in India and to track its behavior. From lip-syncing, vines, to dancing, stand-up comedy, and makeup videos, musical.ly has a huge pool of talent. Govt now wants to use the database to make sure that a person is actually jobless before granting him a mainstream govt job. The new process would demand the fresher candidate to show 2-3 videos recorded on the Musical.ly app to prove that currently he/she is not working anywhere else and are in a true sense the jobless community of India.
It appears that Musical.ly is to the Gen Z what YouTube was to the Gen Y. Even though the most common age group on Musical.ly is 12-25, it is not limited to that. Aged people are also making videos and they should keep making them in fact, because based on the latest government decision, they can, in fact, apply for the role of a fresher for any government vacancy. Musical.ly will soon become the Aadhar card of the job market. Show videos and take a job.


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Best Friends Forever {West Palm Beach Photographer}
Posted: Tuesday, April 3, 2018
I knew the minute we discussed setting up this shoot, it was going to be emotional. A fun beach shoot for two best friends before one moved away. A situation I could relate to, since I did a similar one years ago with my daughter and our best friends. At the same time it made me so beyond happy to know that we were doing this, that they would have these photos to cherish and look back on for many years to come. Their laugh was infectious, their friendship, immeasurable, and these memories…priceless.
"Distance seems so little, when friendship means so much"


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Unotida Huye
Young Africa assisted Unotida's business by purchasing more equipment for the catering department and guaranteeing her catering business from anyone who used Young Africa for workshops and conferences. Young Africa also enrolled Unotida for Improve Your Business Training. After this training, Unotida's business turned around and she started to be contracted for catering jobs outside Young Africa.
With revenue from her clients she was able to contribute to the marketing of the course and student enrollment increased. Today, the catering department trains around 120 students per year.
Unotida enjoys training young people and says "I take pride in training young people because that is the stage they need help in shaping their future". In the future she intends to participate fully in curriculum review to ensure that the students are adequately trained for the catering world.
Young Africa Zimbabwe recommended her for a loan from their micro finance partner Virl Microfinance. Her application was successful and she received USD$300 which assisted her to purchase 2 more sewing machines. The business immediately grew and her average monthly net profit is USD$300. She is now financially independent.
Trish attributes this independence to the integration of vocational skills, life skills, entrepreneurship training, mentorships and post-training support.
Faith Mudandirini
Faith heard about Young Africa courses from a friend and she quickly registered for the catering course at the Young Africa Skills Centre, Chitungwiza. After completing her training at Chitungwiza she was placed on attachment at Kebab Mater, a restaurant in Harare, for four months.
Initially, adjusting to the demands of a work place were challenging for her. However, with the support of her supervisor she flourished. Faith was very determined and by the end of the attachment period she was offered a full-time job. Faith is now earning $250 per month. Faith attributes the change in her life to Young Africa's integrated vocational training. She said: 'I had a negative attitude towards working and l did not have any goals in my life. Through life skills lessons I managed to change my attitude towards work and life in general. The training enabled me to be a more focused person in life and l started to set personal goals."
Christine Mhasvi
Gift Mukonho
Gift relocated to Rusape (Makoni District) where he lived on the streets before being taken in by a sympathising family who lived with him as their own son. In March 2016, Gift heard about vocational skills training being offered by Young Africa with the support of European Union and he went to enquire. He was surprised to find out that having 4 years of secondary school education was not a requirement. Immediately, he selected catering which he said he enjoyed learning so much about cooking.
As part of the training Gift was required to attend 2 months industrial attachment. Equipped with life skills he had learnt he approached a local restaurant PanMart who were impressed with what he had learnt. After 1 month they were so mesmerized with his hard-work and innovative business ideas that they offered him full time employment. In his graduation testimony Gift said with teary eyes, "in my life l had never dreamt of wearing an ironed shirt and a polished pair of shoes. Young Africa and EU have transformed my life and everyone who knew me in this town is surprised at my transformation. I even have my own place to live''.
Miriam Chinyani
''I never thought I could be someone in life, I thank Young Africa for empowering me and bringing the best out of me'' says Miriam Chinyani (22years old). Miriam Chinyani is one of the many young people whose lives were changed through the holistic empowerment at Young Africa.
Miriam was just like any other girl when in 2011 after she passed only 2 subjects at Ordinary Level and could not proceed to higher education or secure employment. Being the first born in a family of 3, headed by her single mother who was struggling to put food on the table, Miriam had no option than to start buying and selling (cross border) clothing items. Life became a bitter pill to swallow for her as nothing materialised from her small business and she thought she could never make it in life. With the support of her struggling and caring mother she decided to enrol and train for catering in August 2015 at YA Chitungwiza after receiving advice from a YA past student.
Miriam is now employed with Spar Mvuma and earning a decent salary after completing part of her attachment with them. Miriam was quick to attribute her full time recruitment at Spar to good behaviour which was to a larger extent influenced by Life skills training, a component embedded in YA vocational training. Miriam claims she is now an independent empowered young girl who is now acquiring assets in her own name and is now helping her mother to take care of the family and her siblings who are at school.
Bridget Mujikijira
Tafadzwa Chibaringa
Tafadzwa Chibaringa completed a course in Motor Vehicle Mechanics and graduated from YA Chitungwiza (Zimbabwe) in 2010. He joined the Aviation Ground Services as an Assistant Mechanic in 2013. He believes that YA has equipped him with technical skills to meet his needs and the life skills needed to be a responsible man. He would like to own his own garage and be an inspiration to other young people.
Tafadzwa Kunaka
Kudakwashe and Celestino
They are both self-employed carpenters who run their business from Warren Park outside Harare. They both enrolled at Young Africa Zimbabwe in January 2008. At that time, they were being taken care of by a member of their family as they were both struggling financially. Initially, Kudakwashe wanted to become a mechanic, but on seeing the carpentry workshop he changed his mind and after discussing his options with his uncle, he decided carpentry was a better option as it created a better chance of making an income. Young Africa had played a huge part in the development of a skill which is now their main source of income for them and their families. They show us an impressive portfolio of the work they had completed since starting their business. There was an impressive array of cabinets, doors, wardrobes and bed frames, which was made all the more impressive by the fact that these are all made with hand tools and not machines.
Life skills and entrepreneurial classes had greatly affected their lives. They helped them to make better decisions in their everyday lives as well as in their working lives. Customer care is a crossover between both of these. They learned how to communicate in a more effective manner through life skills while they learned how to be better negotiators through entrepreneurial studies, which has had a massive impact on the success of their business. In the future, they'd love to have their own workshop and warehouse, so that they could make their own products without having to wait for orders with larger machines to help them be more efficient. You can feel the empathy that they have for the youth, as they have had the experience and understand how difficult it is for young people. They both agreed that they would love to have the resources and workload to employ young people and to give them opportunities to be resourceful and create income for their own families.


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Select a Department Collection link below to view all items in that collection.
From the NNT Group, these provide short, concise, evidence-based ratings of therapies, diagnostic tests, and risk assessments commonly used in family medicine.
AFP Clinical Answers
AFP Journal Club
Clinical Evidence Handbook: A Publication of BMJ Publishing Group
Close-Ups: A Patient's Perspective
Cochrane for Clinicians: Putting Evidence into Practice
Curbside Consultation
Diagnostic Tests: What Physicians Need to Know
Editorials: Controversies in Family Medicine
FPIN's Clinical Inquiries
FPIN's Help Desk Answers
Graham Center Policy One-Pagers
Implementing AHRQ Effective Health Care Reviews
Lown Right Care: Reducing Overuse and Underuse
Medicine by the Numbers
Photo Quiz
Point-of-Care Guides
POEMs: Patient-Oriented Evidence that Matters
POEMS: Top 20 POEMS by Year
Practice Guidelines
Putting Prevention into Practice: An Evidence-Based Approach
STEPS: New Drug Reviews
U.S. Preventive Services Task Force
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Standard Online Delivery
By default Vanilla Video films all events and video productions in 24 frames per second, with the exception of sporting events and slow motion capture. Sports are typically filmed in 720/60p unless otherwise directed. Slow motion is recorded at 60 frames per second and played back at 24 frames per second.
Note that some cameras are unable to shoot 60p at a 1080p resolution. Please let us know prior to filming if you require specific settings or equipment, e.g., cameras or lenses, resolutions, color profiles, bitrates, or any other specifications. It's extremely important to provide specifications prior to ordering / filming.
Unless provided explicit directives otherwise, Vanilla Video delivers a 720p High Definition video along with a complementary 360p Streaming version through our Vanilla Viewer. We use the de facto Internet-Standard settings for both of these popular resolutions. If an event or video production was shot in 1080p it is also possible to upgrade to 1080p online delivery for $59.
Please see our standard Vanilla Delivery Options below:
Online delivery requires us to compress the raw footage. If your project requires the original camera source files, we are able to mail the source files on a portable hard drive. Preparation and shipping can take about 7-10 business days. Please be aware that camera source files may be difficult to work with for the non-savvy user.
Camera Source Settings
Video can be shot and encoded in a variety of formats. If you do not specify settings, or only provide partial information, our videographers will make best-guess assumptions.
Canon XF100
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We are able to accommodate custom video settings and do film in Broadcast Quality for some of our customers. Similarly, we are able to film in 25, 30 or 60 frames per second if directed. However, we encourage you research our camera capabilities prior to filming and ordering. If you have questions regarding video specifications or have specific requirements for your project, please contact one of our experts.


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Benefits Of Coriander, Ground Coriander And Its Seeds For Health. Although beet has a moderately high Glycemic Index of sixty four, it has a low Glycemic Load of 5. Therefore beet consumption will keep the blood glucose at a gentle level, if one sticks to about half of a cup of beets, at one time. When sugar is dissolved, add the chayote halves, and simmer on a very low warmth until comfortable (about 20mins relying on age of fruit).
I think I deserve a hug, so will wrap my arms around myself after which send you a hug too! Deal with your self at the very least in addition to you deal with others and when you may – even deal with your self better 🙂 Thanks my pal. One other great Hub MsDora – stroking a pet could make folks feel less burdened as well; that is bought to be good for psychological wellness.
I assume that tight ligaments within the thigh trigger leg weak spot and physique distortion when strolling for others too. Thanks for this…. i cna reply my homework now…. 2 years in the past. Nonetheless, as a result of the options in the certification are so broad for farms to fulfill, there's less certainty how a lot focus every farm has in the social, financial and environmental areas.
Her mission is to make purposeful medicine inexpensive and fashionable, in order that extra folks can entry this holistic, root-cause method to health. Regardless of this incredible progress, AIDS is the leading cause of demise among adolescents in sub-Saharan Africa, and 22 million people residing with HIV are usually not accessing life-saving antiretroviral remedy.
For those who eat entire foods – fruits, veggies, whole grains, unprocessed, unfrozen, free of preservatives, made by you at home with contemporary ingredients – you avoid all the perils of extra of anything. While you break it down, gelatin is form of icky stuff (however we can't think about that!) I not often eat jello aside from these jello-fruit salads through the holidays.


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MultiSportCoaching.co.zaAll plans by this Coach
13 Weeks
5 Bike, 2 Other, 1 Day Off, 2 Strength
6:00 hrs
cycling gran fondo/century beginner time goal hr based tss based
This plan is protected by our Refund Policy and may, with the author's approval, be exchanged for a plan of equal value from the same author.Still have questions about this plan?
Every training plan is built specifically to use within the TrainingPeaks desktop apps, iOS app, and Android app. During purchase you will be asked to login or create a free account to start your training.
Structured Workouts automatically sync with compatible devices and guide you through workouts in real time.
This training program is aimed at the Novice Level road cyclist who wants to complete a Grand Fondo / Century Ride in a respectable 6 and a half to 7 hours.
This program is based on %Threshold Heart Rate so your training zones will update (automatically) as your Threshold Heart Rate increases with fitness gains.
Training volume builds from 7 hours and 03 minutes to a maximum of 12 hours and 26 minutes.
The program is 13 weeks long:
1 Test Week,
4 Base Training Weeks,
6 Build Weeks
1 Taper Week,
1 Recovery Week.
After completing the tests in week 1 and 6, Submit your data here: https://multisportcoaching.co.za/performance-data/
Your training zones will be calculated and emailed to you.
This is a free service.
As the training zones for this program are based on %Threshold Heart Rate you will need a Heart Rate Monitor to get the best results.
We whole-heartedly recommend the POLAR brand. (See what we did there?)
Requirements for this program:
You will need to have access to an Indoor trainer or WattBike for the FTP test and retest.
Assumptions of this program –
Training average speeds of between 22 and 24 km/h.
Racing average speeds of between 25 and 28 km/h.
When participating in an endurance training program, you can enhance your training and hence performance by including Flexibility and Core training sessions
Both a cycling-specific core strength and flexibility training program are included with this program.
30 mins Z1
50 mins Z2, up to 75% on the hills
10 mins Z1
10 mins Z1
10 mins Z2
10 mins Z1
*Download the PDF attached
20 mins Z1
1 min Z5 "wind up's"
1 min Z2 between (100 RPM pedal cadence)
repeat 3 times
4 mins Z1
5 mins Z4 (a good solid effort)
10 mins Z1
20 mins Z4 (TT effort keeping control, hard but steady so that you can complete the last 5 mins with an all out effort)
10 mins Z1
*record your Max and Average heart rate for the 20 min TT
**record your Max and Average power for the 20 min TT
***record your Heart Rate, Power and distance at 5 mins, 10 mins, 15 mins and 20 mins of the 20 min TT.
Submit your data here: https://multisportcoaching.co.za/performance-data/
30 minute ride to loosen up after the FTP test
10 mins Z1
10 mins Z2
10 mins Z3 @70-80rpm
8 mins Z2 @90-100rpm
repeat 2 times
10 mins Z1
30 mins Z1
75 mins Z2, up to 75% on the hills
15 mins Z1
10 mins Z1
5 mins Z2
5 mins Z4 @50-60rpm Seated
2 mins Z1 @80-90rpm
repeat 4 times
5 mins Z2
5 mins Z1