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From his breakthrough performance on "Cheers" to his current role in NBC's "The Good Place," Ted Danson is accustomed to winning over audiences in increments of 30 minutes. But in a new campaign, Smirnoff vodka asks the Emmy-winning actor to condense his wit and charm into bite-sized chunks of six and 15-second ads.
The ads, part of a new campaign by 72andSunny, include one improvised spot in which Danson seems exacerbated that he has to cram a message into six seconds. "He didn't know what a six-second ad was, so we kind of ad-libbed that one, which is fantastic. It worked out great," says Jay Sethi, VP-Smirnoff in North America for brand owner Diageo.
Blink-and-you'll-miss-it ads are of course the new normal as marketers tailor their content for digital, while seeking to gain notice form the ever-shrinking-attention span of perpetually distracted TV viewers. Smirnoff will run 15-second ads on TV, featuring Danson interacting with other celebrities, including actress Jenna Fischer, Jonathan Van Ness of Netflix's "Queer Eye," actress and LGBT activist Laverne Cox and comedian and actress Nicole Byer. In one ad, Danson and Van Ness convene over thimble-sized cocktails.
The campaign, called "Welcome to the Fun%," continues Smirnoff's approach of portraying the vodka as affordable and suitable for a broad swath of consumers. The anti-snobbery play on "the one percent" seeks to counter more expensive and exclusive brands.
Danson began appearing in Smirnoff ads last year in a campaign called "Only the Best for Everyone." This year's effort puts a premium on brevity. "Last year we produced 60s, 30s and 15s and this time around I didn't even bother with the 60 or the 30, I just went right to the 15s and then made sixes, too," Sethi says. "People have shorter attention spans." But the brand also likes the media efficiencies iot gets with shorter-form ads, he adds.
The bite-sized approach "just makes you very disciplined," Danson said in an interview. "You have one joke that has to be crystal clear," he says. But spots must also contain the message Smirnoff wants to portray. "So it's a real puzzle but very challenging and very fun."
Joe Mande, one of the writers for "The Good Place" was on set and helped adjust the ad scripts on the fly, Danson says. He did the same thing with last year's campaign.
"A lot of times you can write something that feels funny," Danson says. "And then when you get it up on its feet and you are shooting on the day with the actors, all the sudden you go, 'Oops, this is not really as funny as we thought.' So to have somebody like Joe and the other writers from the ad agency there to make corrections is a luxury."
The campaign comes as Smirnoff continues to fend off fast-rising Tito's vodka, which has used a folksy marketing approach to plug its "handmade vodka" positioning. Smirnoff led all vodka brands with $314 million in sales in the 52 weeks ending July 15, according to IRI, which does not include bar sales. But its sales dipped slightly (by 0.3 percent) while Tito's surged 35.7 percent to $266 million, according to IRI. Smirnoff must also contend with the risking number of smaller, often regional, "craft vodkas."
Smirnoff, with its celebrity-filled ads, embraces its bigness in an era where small brands are often perceived by drinkers as the hipper choice. Sethi is unapologetic. "We are leaning into who we are because we think it's about being authentic. When you are the world's number one vodka, sure you are big. But that also means we have products available for everyone," he says. "It would be inauthentic to pretend to be small. So instead we are choosing to be who we are."
Below, a couple more spots from the campaign:


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The pictures on my wall
Are about to swing and fall.
— Echo & the Bunnymen (more…)
Tag: Joy Division
Here are the young men.
But where have they been?— Ian Curtis, "Decades"
Everything resembles the truth, everything can happen to a man.
— Nikolai Gogol, Dead Souls (more…)
To listen in a player, click here. To download the mp3, right-click here and choose "save link as" or "save target as."
On the Counter-Currents Radio fundraiser livestream for July 26th, 2020, Greg Johnson is joined by special guest Morgoth to discuss culture, nostalgia, individualism, music, television, and the End of History. (more…)
1,528 words
1,528 words
On this day in 1977, a band from Salford, England called Warsaw took to the stage for the very first time in their career. They were supporting the Buzzcocks at the Electric Circus concert in Manchester.
"Warsaw" was the name chosen by a group of young men, namely Ian Curtis, Bernard Sumner, Terry Mason, and Peter Hook, (more…)
3,496 words
Someone take these dreams away
That point me to another day
A duel of personalities
That stretch all true realities
That keep calling me
They keep calling me
Keep on calling me
They keep calling me
Where figures from the past stand tall
And mocking voices ring the halls
(more…) -
One of the exhibits in Manchester Art Gallery's True Faith exhibition is a notebook in which Joy Division's manager, Rob Gretton, used to write thoughts and reminders concerning the band's schedule and ethos. Presented in a glass case, it is open at a page where Gretton muses on certain questions asked of him by the journalist Paul Morley. (more…)
Joy Division left us with the most relentlessly depressing body of songs since Mahler's Kindertotenlieder. In some ways, though, this singularity of approach, this lack of light touches to add color to the palate, is responsible for making them enduringly fascinating. (more…)
"What can you buy, that lifts a heavy heart up to the sky?" This question, the opening words of New Order's Music Complete, is meant to be rhetorical. But there's a straightforward and rather obvious answer: you can buy Music Complete itself, one of New Order's most joyous and compelling creations.

subset: commoncrawl


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Learn why every beginner should start with these four types of insurance plans, and how to go about building your own insurance portfolio.
Being an adult gives you a lot of freedom, but with that freedom comes responsibility. And as an adult, being responsible also means being able to meet your financial commitments, no matter what happens.
Yes, we're talking about insura... wait, don't go! Hear us out.
We know, we know. You already have enough on your plate, and the last thing you want to think about is buying insurance.
Insurance isn't exactly the most engaging topic. Worse, it forces you to confront unpleasant (but very possible) scenarios which nobody in their right minds would want to think about.
But perhaps the worst thing is, you may even have to call up that annoying ex-classmate-turned-insurance-agent who's been pestering you to meet up "for old times' sake".
But setting up your insurance portfolio needn't be a pain, especially after you've read this article (wink wink).
From SingSaver's own in-house insurance team, here is a blueprint for a can't-go-wrong starter portfolio that will steer you in the right direction.
You'll learn about:
- Four types of insurance plans you should start with
- Whole life insurance
- Critical illness insurance
- Integrated Shield plans
- Personal accident plans
- Building your own insurance portfolio
Let's dive in!
Four types of insurance plans you should start with
Insurance policy | What it does | Remarks |
Term or Whole life | Provides a payout upon death or total and permanent disablement (TPD) | May allow riders to be added on, to provide other benefits |
Critical illness | Provides a payout upon diagnosis of a serious illness | Payout may only be triggered upon reaching a certain stage of the disease |
Integrated Shield | Provides additional cover and benefits for healthcare and hospitalisation needs | Works in conjunction with Medishield Life |
Personal accident | Provides a payout in case of accidental death or TPD due to accidents | May provide extra benefits for public transport, or partial cover for partial disablement |
Term or Whole life insurance
Whole life insurance plans are the most basic representations of how an insurance contract works. In exchange for premiums paid, the insured receives protection against a defined risk.
In the case of a whole life plan, the defined risk event is the death of the insured, and the protection takes the form of a sum of money (aka the sum assured) that is agreed upon by both parties.
Therefore, upon the death of the insured, the insurer pays out the sum assured to the beneficiaries named in the policy.
Although the most basic cover is death, many whole life plans also include total and permanent disablement (TPD) as a qualified event that triggers the payout of the sum assured.
One thing to note for whole life insurance is that for those above 33 years old, the premium tends to increase significantly. For term life ins, the premium stay quite constant.
Why you need whole life insurance
The primary purpose of a whole life plan is to ensure your dependents have enough financial protection in the event of your passing (or should you be rendered unable to work).
This shields aged parents, spouses and young children - and yourself, should you survive - from facing financial hardships arising from the loss of your financial support or ability to earn a wage.
You should think of a whole life plan as forward-looking, as it only benefits those left behind.
Things to note about whole life insurance
Whole life plans have a cash component, which accumulates value over time. This allows whole life plans to fulfil both protection and wealth accumulation goals.
You may access this cash component by taking out a policy loan - with interest - against the eligible amount, but doing so will reduce how much you or your beneficiaries receive. This is resolved by paying back the policy loan.
There is a close cousin of whole life plans, called term life plans. Unlike whole life plans, which remain in force for the duration of your lifespan (as long as premiums are paid on time), term life plans only cover you for a predefined number of years.
Term life plans also do not accumulate cash value, so you need only pay for insurance protection, resulting in comparatively lower premiums.
Critical illness insurance
A critical illness plan provides additional financial resources to help you deal with a serious disease or medical condition, such as to pay for medical treatment, or to cover living expenses during recovery.
Commonly, a critical illness plan pays out a lump sum upon diagnosis of diseases such as cancer, stroke, heart disease or kidney failure, and the policy ends when it is paid out.
However, there are certain types of critical illness plans that offer multiple payouts, although subsequent payouts will only be triggered for a different disease than the initial one. That's to say, if your first claim was for a heart attack, your next claim can only be for cancer, or an unrelated stroke.
However, there are specific conditions to be fulfilled before the payout is triggered. Primarily, the condition must fall under the policy's defined list of qualifying diseases. Reaching a certain stage of progression may also be required.
Why you need critical illness insurance
Suffering a serious disease can be devastating, and can severely tax your financial resources, as you may require specialised care, or require a prolonged recovery period during which you may not be able to return to work.
Hence, having a critical illness plan can help keep you and your family financially afloat during this difficult period. It can also allow you to pay for more expensive treatments that improve your odds. In case you succumb to the disease, the payout can also be used to help your dependents.
Things to note about critical illness insurance
You should not conflate critical illness insurance with healthcare or hospitalisation insurance, although they may seem to overlap. Critical illness insurance pays out the sum assured independently of the cost of your hospital bills.
Critical illness policies only cover strictly defined medical conditions, and some of these definitions may not match layman terms. Hence, always be sure to check the policy documents carefully before subscribing. If the condition you are concerned about is not included, you will need to approach your insurer for it to be included.
It is important to note that critical illness plans do not cover pre-existing conditions, which means you will not be able to get coverage for say, cancer, after being diagnosed with the condition.
Depending on your policy, you may also need to take note of:
- Waiting period - a predefined number of days before your protection kicks in
- Survival period - upon diagnosis of a covered disease, a predefined number of days you need to survive in order to qualify for the payout.
Integrated Shield Plan
An Integrated Shield Plan (IP) is a private insurance plan that sits on top of your existing Medishield Shield, giving you more options for healthcare and hospitalisation needs.
IPs are offered by all major insurers in Singapore, and you are free to choose any insurer you prefer.
Why you need an Integrated Shield Plan
Through Medishield Life, you already have a basic level of medical and hospitalisation in place. However, due to the need to keep Medishield Life affordable for all, there are limits placed on the claims and benefits you are entitled to.
For instance, you will not be covered if you opt for consultation and treatment at a private hospital, or if you wish to stay in a higher-grade ward for better privacy.
This means that you will likely have to pay some expenses out of pocket for hospital bills or medical treatment. Depending on your needs, this amount can turn out to be quite substantial.
With an IP however, you will be able to cover most of these out-of-pocket expenses, as well as enjoy subsidised rates for higher-grade wards. IPs may also provide coverage for items not covered by Medishield Life, which could expand your healthcare options without increasing your medical expenses.
Looking for an affordable Integrated Shield Plan (IP)? Singlife Shield Starter* covers you with up to S$20,000 per policy year for hospital bills at just S$300 (before GST) fully payable by MediSave — great for young adults who want basic. For more coverage, add on the rider, Singlife Health Plus Starter, at just S$1 (before GST) and reduce co-payment of your hospital bills to just 5%!
*T&Cs apply. This product is underwritten by Singapore Life Ltd. SingSaver is not an insurance agent/intermediary and cannot solicit any insurance business, give advice, recommend any product or arrange any insurance contract. Please direct all enquiries to Singapore Life Ltd. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Things to note about Integrated Shield Plans
While Medishield Life offers the same set of universal benefits to all who qualify, IPs are not standardised. Each insurer offers a different mix of benefits and coverage in their IPs, and may even offer different tiers of IP for a greater range of options.
Hence, when reviewing IPs, you should take your time to choose one that suits your needs and preferences as closely as possible. Also, you are free to pick any IP you want, so don't be afraid to update your IP in tandem with your life stages.
Another important thing to note is that unlike Medishield Life, IPs cannot be paid using your Medisave. Instead the premiums have to be paid from out of your own pocket, so you'll need to make room in your budget for this.
Like many health insurance products, premiums for IPs get more expensive with age. This is another reason to regularly assess whether your current IP is a good fit for you.
Personal Accident Plan
Last but not least, you should also consider adding a Personal Accident Plan to your insurance portfolio.
As its name suggests, a Personal Accident plan provides a lump-sum payout for accidental death or total and permanent disablement, after which the plan terminates. In addition, partial disablement such as loss of limbs or use of senses may trigger a payout or part of the sum assured.
Personal Accident plans can come with a variety of different features and additional benefits. These include increased sums assured for accidental death on public transport, loan or mortgage protection that pays up any such outstanding financial commitments, or children's education grant to help pay for the educational needs of surviving children.
Why you need a Personal Accident plan
Just like a Critical Illness plan, a Personal Accident plan provides an added layer of financial protection for your family and dependents should you lose your life or your ability to earn an income due to an accidental injury.
Ultimately, as no one can predict when an accident will happen, or how bad the outcome might be, many consider having a Personal Accident plan as a prudent choice.
Things to note about Personal Accident plans
While the primary function of Personal Accident plans is to protect against the financial fallout of a serious or fatal accident, that's not all they can be used for.
Personal Accident plans can also provide benefits for temporary disablement (such as having to use crutches or a wheelchair while your broken legs heal) thereby acting as a form of income replacement.
Some plans also offer outpatient treatment coverage, which can offset your expenses for follow-up treatment and rehabilitation.
Building your own insurance portfolio
Assess your own needs first
When it comes to choosing which insurance plans to include in your portfolio, the first thing you should do is assess your own needs.
Admittedly, this can be easier said than done, especially if you're not familiar with financial planning or how to manage your money.
It can be beneficial to seek the advice of a certified financial planner, or even a friend or relative experienced in this area, to sketch out the basic framework of your overall insurance and financial needs.
At this stage, it is probably best not to purchase anything yet, as you should give yourself some time to digest and debate your framework. Also, the insurance agent who is advising you may have a vested interest in pushing a particular plan (read: higher commission), depriving you of the chance to survey the market for options best suited for you.
Make use of riders, if suitable
While we have listed four types of plans in this article, that doesn't mean you need to sign up for four separate policies. Instead, you can choose to add riders to a plan, to gain the benefits and coverage you need.
For instance, it is very common for whole life plans to also offer riders for critical illness and personal accidents. This allows you to have three areas of coverage on one policy.
Even better, riders may cost you less than if you were to sign up for the same benefits under a different plan and/or insurer, which means riders can allow you to achieve greater cost-efficiency while lowering your insurance expenses.
Having said that, riders may be limited in their scope, and may not provide certain benefits or coverage you may seek. Hence, be sure to strike a balance between cost-saving and getting the protection you need.
Know when to buy your plans
Insurance is all about hedging your risks, and not all risks are made equal. For example, the likelihood of coming down with cancer is much lower for someone in their 30s than say, someone in their 60s.
Also, your insurance coverage should reflect your financial responsibilities, which change as you enter different life stages. For example, a single and carefree 21-year-old just stepping into adulthood probably doesn't need all that much insurance coverage, compared to a married 40-year-old with two young children.
Therefore, you do not need to rush to buy every single insurance plan you deem necessary, especially if you do not have the ability to afford the premiums.
You can start with, say, a whole life plan to give it a head-start accumulating cash value, and then add on other types of insurance as your circumstances call for them.
Read these next:
Whole Life Insurance: Reasons Why People Choose It Over Term Life
Personal Accident vs Life & Medical Insurance: What You Need to Know
What Happens If You're Under-insured Against Critical Illness?
Best Personal Accident Insurance Plans In Singapore
5 Types Of Insurance You Can Get For Free In Singapore
Similar articles
Infectious Diseases Insurance: Best Plans To Protect Yourself
How Much Health Insurance Do I Need?
Personal Accident vs Life & Medical Insurance: What You Need to Know
Baby Insurance: What's Worth Buying For Your Newborn In 2024?
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Freelancers And Homemakers, Should You Tag Onto Your Working Spouse's Company Insurance?
Best Integrated Shield Plan Riders and Supplementary Coverage for Cancer Protection
5 Critical Things You Need to Know About Cancer Insurance


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SEO User Groups
Woodland Hills Internet Developers Group. Thing. (WHIDGT)
West Hills, CA, United States
I've thought many times how good it would be to get a group of creative web minds together. Looking for advanced and intermediate internet developers of all kinds, coders, designers, developers, SEO, etc... A good meeting showing each other new technologies, programs and designs. And time to help each other out with puzzling questions and issues. With absolutely no egos... Hopefully the right people might even be able to start some projects together. Web startups can't survive with 1 person!
WordPress Orlando RoundTable
Orlando, FL, United States
Did you know according to the San Francisco WordCamp 22% of all new websites in the world are now built using WordPress. Learn & discuss everything to do with WordPress - latest plugins, designs, themes, coding, SEO, graphics etc...This meetup is all about "The Press", from beginning blogger through to hardcore coder.Connect with other WordPress users and web developers.
Malvern web/tech pub meetup
Malvern, Q4, United Kingdom
A group for people living or working in Malvern who don't mind describing themselves as an 'internet professional': developers, designers, PMs, SEO types etc all welcome. Then we add some beer and, most likely, gripe about rural broadband speeds (until the superfast stuff arrives in December 2011, that is.
SES San Francisco Meetup Group
San Francisco, CA, United States
The definitive digital event for marketers, corporate decision makers, webmasters and search engine marketers (SEMs), including pay per click (PPC) advertisers and search engine optimization (SEO) professionals. Attend SES San Francisco, network with your peers, and learn the tips, tactics and strategies that will grow your business online.We will be organizing meetups to occur throughout the San Francisco Conference events both within the expo hall and within special networking environments.
Brisbane, , Australia
This group was started to get web related and like-minded people together. Our aim is to become the best at what we do!! This is open to most skill levels but only people with the attitude who really have a passion for what they do and will perform to achieve great things personally and career wise. Uni students who have some knowledge are welcome to come grow your skills and learn with us. Professionals who want to be part of a team that is focused on achieving greatness are also welcome.
Internet Masterminds | Monday Night Internet Marketing Group
Vancouver, BC, Canada
Internet Marketing Masterminds Group For Business Owners, Entrepreneurs & Students Internet Marketing Masterminds Group meets every Monday evening in Vancouver at 7pm to discuss Internet marketing related topics. The group is open to anyone that wants to learn about Internet marketing, network and meet like-minded people.
Downtown Los Angeles Drupal
Los Angeles, CA, United States
The Downtown Los Angeles Drupal group promotes Drupal and Drupal meetups and events in and around Los Angeles, including Downtown Los Angeles.Drupal is growing in the Greater Los Angeles Area, and our sister group at http://meetup.com/ladrupal is largely focused on events just on the Westside. Until that changes, the Downtown Los Angeles Drupal group will also provide greater visibility (including SEO) to Drupal and Drupal meetups and events all over the Greater Los Angeles Area.
Wordpress, SEO, & Coffee ( WP for Small Businesses Owners)
Huntington Beach, CA, United States
I decided to start this group in order to help small business owners and entrepreneurs to get a nice jumpstart into the world of Wordpress & SEO. By the end of this 12-part meetup, you should become a full on SEO-Jedi.
The Calgary SEO and Online Marketing Meetup Group
Calgary, AB, Canada
Meet other local people who are interested in Search Engine Optimization (SEO), Online Advertising, Pay per Click, Blogging, Social Media and other forms of online marketing. Gather and share advice and info on better ways to get found on search engines, advertise, and build traffic and community.
GrowNashville: Startup Entrepreneurs, Hackers, & Web Experts
Nashville, TN, United States
MEET other Nashville startup entrepreneurs, tech founders, hackers, Ruby developers, PHP rockstars, web designers, internet marketing ninjas, SEO experts, dreamers, and risk-takers. LEARN from free presentations and seminars. TEACH your own skills or ideas through your own submitted meeting topic. Gain MOTIVATION from discussions. Anybody is welcome to come and join GrowNashville. Anyone is also free to suggest and vote for meetup topics.
Get your user group listed!
We list user groups and events at no cost - Submit your group.


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The park's 44 campsites (Click here for Campground map), and 3 camping cabins put you right on the shoreline of the 6,000-acre Henrys Lake. In addition to camping, the park offers 2 day-use areas, hiking, interpretive trails,(click here for trail map), wildlife viewing, boating, and beautiful views of this broad mountain valley..
Directions: Go west on to the Kilgore-Yale Road (across from the Elk Creek Gas Station), and go 2 miles to the other Buttermilk Loop Road. Turn left, and go 2 miles and you will see the sign for Buttermilk Campground on the right..
Directions: Highway 20 go west at Elk Creek Service Station, travel 2 miles to campground entrance..
Directions: Highway 20. The campground is across from Macks Inn Resort. .
Recreational Properties for Sale
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© 2008 AnglerGuide.com, All Rights Reserved.


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What you can expect from real estate service?
Buy any alluring property, and get it rapidly. The main saw botch was not engaging in the taking care of free for all for attractive land. In all honesty, there was a great deal of truth engaged with that technique in advertise. The old and insightful proverb of look before you jump transformed into Prepared, Fire, and Aim. Offer rapidly or lose the chance to purchase. Once you have it under agreement, there will be a lot of time to choose if you truly needed the property. If you did not care for what you had roped, you could slice it free to another speculator who was holding up in line to get it. Or then again, hold for an exceptionally brief period and flip it for a benefit. Land specialists got comfortable with the purchasing game. If three qualified purchasers offer on an accessible property, there was the purchaser would had the option to get an acknowledged offer the person in question was alluded to as The Winner. The individual who came in second was alluded to as First Loser and the third purchaser as Second Loser You just won as a Champ. Failure did not check.
The Buyer's Mantra became Obligation is Your Friend get however much as could be expected. If you could come in with state 10 down and the property acknowledged at 20 per annum, at that point you had a 200 value pace of come back from thankfulness as it were. What has changed? The accompanying striking changes have happened that have changed the time tested du an meyhomes capital Investment Model. A national and overall downturn has kept on extending at a disturbing rate. The Congress drove by President Osama has attempted a wide range of boost endeavors to address the financial downturn.
Most of the obvious endeavors included tossing already unbelievable measure of cash at the financial business lamentably with no noticeable aftereffects of remedying the essential component that will fix the downturn business. The National Debt has expanded significantly as of late. Someone later on should bear the weight of managing and paying off that obligation. Hope that you do not live long enough for your grandchildren to see precisely what we have permitted to occur. We have sold their future. Maybe we owe it to our beneficiaries to collect enough riches to go to them so they have a running possibility at managing the circumstance. Give them enough to help them, yet insufficient to destroy them with the idea of qualification to riches.


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Following to "Love is in the Airs" of ASA'04, we were invited to pitch the exhibition design of ASA'05. The theme of the year was 'FTA: Future Thai Architects'. Our idea is to represent future situation of architectural practice in Thailand in the very near future that will have to become international. The space that inspires us is a kind of space which you could call it 'non-place' - a theory of non-place in Marc Auge, a French antropologist - where signs dominate space. The idea of non-place could, on one level, represent 'international space' where everything is flattened into one 'international standard'. On the other level, it suggests the uncertain future that wound need to be directed through different directions, in this case, by signs.
We divide the whole space into tracks to accommodate very stuffed requirements with the least circulation. Although to me, it result was a bit too dense, it was more or less a given condition of this exhibition.
30 December 2006
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Welcome to the world of Lost Prince… Already gaining traction with an upcoming remix for Gardenstate on Anjunabeats, it's on Axwell's legendary Axtone Records label where the artist's spell-binding landscapes have found a real home.
With Axwell himself championing Lost Prince as THE name on Axtone this year, the artist has already racked up 6 singles, and you can catch the full details of recent release 'Always On My Mind' below, which was even co-written by the Swedish House Mafia superstar!
Listen to the track below.


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This November, some of the men at Auto Extract Systems have been creating awareness by growing a moustache for the Movember charity.
A £150 fundraising target was set and a band of 'Mo Bros' were created. The challenge was simple, to grow their moustaches to help raise awareness to prevent men from dying too young from prostate cancer, testicular cancer mental health and suicide prevention, amongst other health issues.
We're proud to announce we absolutely smashed our £150 fundraising target, raising £355!
Movember Fundraising
The 'JustGiving' platform was nominated to help online fundraising and formed a great platform to send money directly to the registered charity.
The company also doubled the funds raised by colleagues, friends and family by an additional £160 to take the fundraising total to £320.
The organiser of the event and our LEV Maintenance and Service Manager, Gareth Bamber, stated: "Movember's been great fun between the guys in the business this year. Some of our moustaches have looked awful, but it's all been for a good cause and helps raises funds for an important cause.
"Having the first-hand experience of friends who have experienced a mental health crisis and others who've sadly taken their own lives, I thought it was an important cause to raise awareness and funds for.
"I'd like to especially thank Gary for his assistance in helping to make this event happen!
"I'd like to say a special thank you to our MD, Grant, too for the very generous gesture from the company to double our fundraising efforts. Also, to everyone who's donated to the cause so far, I, along with the rest of the team at Auto Extract Systems appreciate your support."
There's Still Time to Donate
To donate and raise money to Auto Extract System's Movember event, visit our JustGiving page.
The Movember Foundation
The Movember Foundation has been going since 2003 and has funded than 1,250's men's health projects. They exist to help men live happier, healthier and longer lives.
Men are dying on average 6 years earlier than women and for largely preventable reasons. Unchecked, prostate cancer rates will double over the next 15 years. Globally, testicular cancer is the most common cancer among men aged 15-39 years of age. And across the world, one man dies by suicide every minute of every day, with males accounting for 75% of all suicides.
Movember is uniquely placed to address this crisis on a global scale and they fund ground-breaking projects all over the world; engaging men where they are to understand what works best and accelerate change.
About Auto Extract Systems
Auto Extract Systems was established in 2001 and employees over 25 staff, which are predominantly male. We are the UK's leading LEV (local exhaust ventilation) solutions company and we help businesses provider pollution-free workplaces. We supply in the design, supply, installation, commissioning, maintenance and repair of specialist LEV equipment.
We have over 80 years of combined experience, P601 qualified LEV system testing engineers and P602 qualified LEV system Design Engineers and we offer FREE site assessments to all businesses across the UK. Get in touch with our team today to arrange your FREE site assessment and get your free LEV installation quotation.


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Adelaide United XI to take on NPL All Stars in soccer fundraiser for bushfires victims across SA
The South Australian soccer community is set to come together, as the cream of local talent takes on Adelaide United to raise funds for those devastated by the state's bushfire disasters..
The National Premier Leagues All Stars will face a Reds XI at Marden Sports Complex on Wednesday, February 5, with all proceeds donated to the SA Bushfire Appeal.
United playmaker James Troisi said it was an opportunity to support people affected by the recent fires and take steps towards safeguarding the future.
"Ultimately football is a game we play, but on occasions like this and tragedies like this it helps unite and bring people together," SA-born Troisi said.
"It's a shocking time for Australia and in terms of what's happening in the world, it's not good.
"But it's fantastic that we can play our part in helping out this beautiful country we live in and it's great to see Australians looking after each other and supporting each other.
"We need to fix this situation, but we need prevention as well and there's definitely things that need to change.
"Hopefully people come out in numbers (for the match), which is what we need to support this great cause.
"More than 490,000ha of land across SA, mainly on Kangaroo Island and in the Adelaide Hills, has been scorched in bushfires since November, while 151 houses have been destroyed.
Three people have died in the tragedies.
Campbelltown City's Alex Mullen will line up for the NPL side, which will be based on the SA top flight's team of the year and feature representatives from all 12 clubs.
The midfielder, who spent 2015/16 with A-League outfit Sydney FC, said it was a chance to help bushfire victims rebuild and showcase the quality of the state-based competition.
"It's a fantastic thing that we're doing as a community," Mullen, 27, said.
"It's just really humbling to see everyone banding together and getting around this great cause.
"Hopefully it might also be a trigger to implement a few changes and act as a wake up call in regards to what we're doing to planet earth.
"The game is a great concept and it should be a good spectacle.
"It will showcase the better players of the NPL and demonstrate just how close we are (in standard) to these A-League players if we're given an opportunity."
Former Socceroo and five-time title-winning Campbelltown coach Joe Mullen, Alex Mullen's uncle, will lead the NPL side.
Organisers hope to raise more than $30,000 from the match (7.20pm kick-off), bolstered by proceeds from children's activities, raffles and a silent auction.
Admission costs $10 for adults and $5 for children. Tickets are available here.


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Federal and state agencies have approved $28,500 in earthquake aid for Jefferson County and $12,000 for Clallam County.
Since the magnitude-6.8 Nisqually Earthquake on Feb. 28, close to $15 million in aid has been approved for Washington residents.
The aid is for rental assistance and repair grants. Federal Emergency Management Agency assistance goes toward basic needs and will not cover residents' total losses.
Some of the aid is given as grants, while most of the money is provided in the form of low-interest loans from the federal Small Business Administration for homeowners, renters and businesses.
For the complete story see Monday's Peninsula News, on sale in Clallam and Jefferson counties.


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Here you can check information about a vehicle and find the owner of a vehicle.
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Find information about the deadline for the mandatory roadworthiness, and get information about the vehicle's engine, weight, tires and emissions.
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Check vehicles owned by others
Enter an organization number or national identity number to search for vehicles owned by a person or company.
Order owner and vehicle information
You can order information from us about vehicles and owners, and you yourself can specify what types of information you wish to collect.


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The Christmas season has always been a favourite time of year for the whole family to get together. There's so much happening in Edinburgh at this time of year for children and adults alike.
How about a trip to the theatre? It may not be your normal choice of entertainment, but we can highly recommend a couple of shows on at the moment....
This year, The Lyceum theatre is delighted to present C.S. Lewis' timeless classic The Lion, the Witch and the Wardrobe. Step through a dusty wardrobe and into a snowy landscape filled with thrilling adventure. Meet the majestic Aslan, the loveable Mr Tumnus and his fantastical friends and join their quest to free Narnia from the spell of the White Witch.
Or how about some pantomime to lighten the mood? Another classic, Snow White at the Seven Dwarves is on at the Kings Theatre. Featuring top-class production values, stunning sets and fabulous costumes, this huge extravaganza will keep the whole family laughing long after the curtain comes down. Panto at its best!
Or perhaps the ballet? Discover the enchanted, sparkling world of Christopher Hampson's Cinderella at the Edinburgh Festival Theatre, in the European premier of this most beloved fairy tale.
Still ongoing is the European Christmas Market, stretching from the Mound, along East Princes Street Gardens Terrace and around the Scott Monument. You can pick up some unique Christmas gifts, sample some festive foods or enjoy a mug of mulled wine.
You can't miss the Big Wheel at East Princes Street Gardens with its thirty-six enclosed, weather-proof pods, each seating six people and showing unrivalled views of Edinburgh.
Also in Princes Street Gardens is the Christmas Tree Maze at Santa Land, where children and adults alike can try to make their way to the centre and back again. Inside you'll also discover the Elves' workshop, where Santa's little helpers will be waiting for you with a wee treat!
The Virgin Money Street of Light in Old Town has been a huge talking point this year. Running until Christmas Eve, an architectural installation of over 60,000 lights runs along the Royal Mile, from City Chambers to the Tron Kirk.
24 Doors of Advent is a great chance to discover some of Edinburgh's fascinating hidden gems. On each day of advent, one of the city's incredible buildings will open their doors for free. Many of these gems aren't usually open to the public, so catch them while you can.
And if the little ones haven't seen Santa yet this year, he'll be coming to Christmas at the Botanics, in the Royal Botanic Garden. He'll be based in the John Hope Gateway visitor centre but may enjoy a stroll in the Garden too if the weather is kind. He will be available to meet and greet children and parents and pose for 'Santa Selfies'.
Especially at this time of year, there are so many other events happening. For more details of other happenings across the city this coming week, check out our Full Events Guide.
There are also guides to all the city's farmers markets and car boot sales.
And don't forget, if you know of any great upcoming community events, feel free to tell us about them here.
Until next time, wrap up warm, have a great week ahead, and good luck with the Christmas preparations!
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Alonso: Schumacher is my greatest rival
Fernando Alonso has had battles with plenty of drivers over his Formula 1 career, but he says that Michael Schumacher is his greatest rival.
The pair fought it out for the 2005 and 2006 Drivers' Championships, with Alonso narrowly winning out in both seasons.
Schumacher then came back in 2010, and the pair came close a few times as the German spent three years with Mercedes.
Now, with Alonso seemingly out of Formula 1 for good, he has admitted that he sees the seven-time World Champion as he greatest foe.
"It's difficult to choose one, obviously, if I have to say one, it will be Michael," Alonso admitted.
"Not because any particular reason it was just because when I got to Formula 1 Michael was dominating the sport.
"[When] you are in go-karts and you see Michael winning, you are different categories, you see Michael winning, and then eventually you find yourself fighting [him] wheel-to-wheel.
"So, those battles were definitely special, or more emotional at that time."
All-in-all, the Spaniard believes the level of driving has improved over the course of his career, mainly thanks to the technology involved.
"I think we had, and probably have right now, the most talented generation. Because all drivers now they are more prepared," he added.
"They get more time in the simulator, in different young driver programmes, so they go to Formula 1 with a level that was unthinkable a decade or two decades ago."
Follow us on Twitter @Planet_F1 and like our Facebook page.


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In today's modern world, technology has played an essential role in people's lives. Some innovations can help make a living and working much easier and more comfortable. For example, with the advent of computers and electronics and the age of the Internet, things are done easily and quickly. This convenience also applies to the moving industry. With some technological advancements in place, people can pull off a successful house relocation.
So, for those who are moving, here's how technology can help them go through the whole process:
1. Easy Booking With A Self-Booking App
When moving, people will more likely hire experienced professionals like the ones in www.roadwaymoving.com
to help you with the process. However, complicated the process of booking a moving company complicated booking a moving company before. But, with the availability of self-booking app technology, they can make the booking process more convenient and faster.
Instead of calling the moving company to schedule their move, they can go to their website and book it by themselves. All they have to do is fill in the necessary details, including their destination, and the app will schedule the relocation for them. Also, the good thing about this innovation is that they have complete control over your bookings in a way that they can cancel or move it to a later date from the comfort of their home.
2. Accurate Calculation Of Moving Costs
Moving to a new home can be an expensive undertaking. Because of this, people who are moving must be aware of the estimated relocation costs so they can plan their budget carefully. Thankfully, with the use of a price estimate tool online, people can determine how much they're going to pay for their relocation.
Instead of waiting for the moving company's price estimate, they can fill in the estimate form with the necessary details, and the app technology will calculate the cost for them.
3. GPS Tracking For The Household Goods
Another technology that people can use when relocating homes is GPS (Global Positioning System) technology. Some moving companies have GPS trackers on their trucks so the clients can check the exact location of their goods. Typically, this device receives the incoming signals and determines the vehicle's location based on geometric calculations.
As such, GPS technology has changed the way moving companies offer their moving and packing services. Using it can give people peace of mind as they can know the whereabouts of their goods.
4. 24/7 Customer Support From The Movers
When it comes to moving, effective communication with the relocation service provider is essential to the success of the transition. When people can communicate with professionals, they can ensure that will address all queries and concerns will address all queries and concerns efficiently. Hence, this is where the use of modern technology comes into play.
For example, if they hire a moving company, they can take advantage of the round the clock customer service support for their queries and questions. This technological advancement is made possible with the use of chatbots and artificial intelligence (AI). Moving companies make use of chatbots and AI to entertain visitors' queries. They also know how to interpret messages so they can produce a typical response to queries. Thus, instead of waiting for a human customer service agent for assistance, people can use these advances to get quick responses to their concerns, thereby making the moving process less stressful.
5. Moving Apps To Make The Transition Seamless
In the world of moving, people are struggling with how they can make the transition less stressful. With all the things that need to be done, from hiring movers to packing stuff, it's easy to get overwhelmed with the entire process. However, with the introduction of efficient moving apps in the market, relocating has become much easier and more convenient. In addition to these technological solutions, platforms like Shiply offer an innovative way to find and book truck loads for moving, further simplifying the process of transporting large volumes of belongings.
For those who are moving, the following apps can be worth a try:
- Move Advisor: When it comes to organizing a move, people can download this app to help create a to-do list and a home inventory. If they're looking for Manhattan movers NYC or wherever you may be located, this software can also be a good search tool.
- Letgo: Moving homes can be an excellent opportunity to declutter and get rid of unnecessary items. Thus, for people who are relocating, installing this software can be a good idea. All they need to do is post the items for sale and wait for a potential buyer to message
- Sortly: In terms of packing, using this popular moving app makes a lot of sense. It allows those who are relocating to categorize belongings in the moving boxes to stay organized. Also, if they have a premium account, they can generate QR code labels to make labeling more efficient.
The Bottom Line
Generally speaking, moving can be a tedious process without proper planning and preparation. But, with the help of modern innovations mentioned above, people who are relocating homes can achieve a seamless transition from start to finish.


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Recently, the Pfiser /BioNtech vaccine was approved for immediate use. The vaccine produced by Moderna will be available in the Spring. Both vaccines are under scrutiny by the pro and anti-vax community. Let us take a closer look and try to understand what it's all about.
A little bit about the vaccines.
This is a brand new technology for producing medicines. It falls into the field of molecular medicine and immunotherapy. It is the cutting edge of modern medicine. In a nutshell, mRNA based drugs, including the vaccine, communicate with your cells. They are messengers. They whisper to the cell and tell it what to do. In this case, it says, "make a specific protein". This protein is the same as protein made by the Covid-19 virus. The body's immune cells respond and then remember the protein. Having been exposed to the protein, when Covid-19 does enter the body, the immune system of the body is prepared to mount a strong response to fight the infection. It works about 95% of the time. That is very, very, good. The Pfiser vaccine is the one being used now in the UK. Let's explore this further with a Q and A.
Are there risks?
Yes. while most of the known risks are mild, most recently a few people had severe life-threatening allergic reactions (anaphylaxis). As a result, in the UK, it is not recommended that those with a history of anaphylaxis take the vaccine. If they do, it should be taken at a center prepared to respond. So, why didn't they know this could happen? The drug was only tested on healthy adult individuals and those with a history of severe allergic reactions were not allowed in the study. What else don't they know? A lot. They don't know if the vaccine is safe for pregnant women or children. This does not mean it is not safe. Simply, it has not been tested. They also don't know the long-term effects as there are no long-term safety studies. They also do not know how people who are not healthy will respond.
About mRNA
mRNA is a messenger, a tool for communication. It is a natural and normal part of how our bodies work. It communicates to a small organ inside the cell (ribosome) that responds and builds proteins. This is not a simple mRNA. This is modRNA. This messenger has been modified and contains a molecule (nucleoside) that is not usually on a strand of mRNA. It is this modification that allows for the coding of the special protein to take place. Because it is modified, it needs to be wrapped in a fatty layer (lipid) when given. This prevents the body from attacking it. Science says it can not affect our DNA. ModRNA does not enter the nucleus of a cell where our DNA lives. Hence, the genome of the cell is not changed. In nature (our bodies normally), some mRNA can enter the nucleus. The RNA of the HIV virus can alter our cell's DNA. That does not appear to happen here.
How did they come up with this whole idea?
The process has been explored for its potential in curing many diseases. It may be possible to trigger the growth of new heart muscle (protein) after a heart attack. There are also applications in fighting cancer. This technology was adapted to create the vaccine.
Other things we need to know about the vaccines
Is there any virus in the vaccine?
Is there any non-human DNA in the vaccine?
Is luciferase in the vaccine?
No. Luciferase is an enzyme that produces a bioluminescent chemical allowing signals to be picked up on an instrument outside the body. It is called luciferase because it is derived from the Latin word for "light". There are many medical and research applications for this technology. There is no evidence that it is being used in the vaccine.
By getting this vaccine, can you be controlled through 5G technology?
While this is a common conspiracy theory, there is no evidence to support this.
Can the technologies be used to create this vaccine eventually be used to influence behavior?
Perhaps, right now this is the stuff of science fiction.
Is there non-human DNA from other animals in the vaccine?
Are Nanoparticles used in the vaccine?
Yes. A nanoparticle is a cluster of atoms or a single molecule. They are extremely small particles- less than 100 nanometers in diameter. They are not robots in the way people think about robots. They are manufactured to have a specific purpose and function. In this case, they aid the delivery of mRNA to the target cell. They have many applications being used today in medicine. It can be said that the mRNA is being delivered in a nanoparticle format. Could be misuses one day? Probably. Are they? There is no evidence suggesting that they are. This too would fall into the realm of science fiction.
Should you get vaccinated?
I believe this is a personal decision. You have to look at the risks and the benefits, both to yourself and to society. There is no "right" answer for everyone. If your service to the world (yoga- dharma) involves being with lots of people or in high covid-risk situations, then you must consider this in your decision making. Front line workers for instance often take higher risks, including vaccines, to continue serving society. It comes with the job. And yes, some get sick from it but society benefits. Others may be at high risk from Covid complications or death due to co-morbidities. This needs to be considered as well. There are two main questions.
- Is the risk to me of Covid-19 or its complications greater than the risk of the vaccine?
- Will getting the vaccine allow me to help other people or society as a whole?
Each person must answer these questions for themselves. Each decision comes with risk.


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November 5, 2019 | By Sikh Siyasat Bureau
Chandigarh: Commemorating the 1984 Sikh Genocide week, the Dal Khalsa held a public meet to deliberate on what they called "politics of genocide being perpetuated by Indian mainstream parties against minorities since 1984".
Representatives of SAD (Amritsar), United Akali Dal and Students for Society (SFS) participated in the meet to pay homage to the victims of the attempted genocide and express their concerns on Indian government's fascist agenda.
Speakers were of the view that in the aftermath of 1984 Sikh genocide, while the Sikh community was struggling to get justice for the victims, the Indian state sharpens its edges to repeat the mayhem in a different format in Gujarat, Orissa and Kashmir. They were of firm belief that had the perpetrators of Nov 1984 massacre duly punished, the horrific events of Gujarat in 2002 and Orissa in 2008 would not have occurred.
The speakers were apprehensive that the Supreme Court decision after two weeks on Babri Masjid case might trigger another circle of violence against Muslims.
Prominent among those who took part in the deliberations include human rights activist Advocate Amar Singh Chahal, writer Jaspal Singh Sidhu, Punjab University student leader Kanupriya and Harman, Rajinder Singh of Khalsa Panchayat and Mandhir Singh.
The gathering adopted a condolence resolution on the passing away of Prof SAR Geelani of Delhi University describing him true and valuable friend of Sikh cause and strong voice of Kashmir's freedom struggle.
Describing the 1984 killings as 'genocide of Sikhs', Dal Khalsa president Harpal Singh Cheema said that whenever injustice went unpunished and the perpetrators of crime were rewarded with cabinet posts, the terrible beast of communalism is revived in more horrific ways.
He urged the UN, under the new Secretary General, Mr. António Guterres to wake up to reality that India -the land of Gandhi is a hate-filled, intolerant society with a political climate detrimental to a large cross section of society, especially regional identities, minorities and nationalities, said the head of pro-freedom Sikh group.
Party's senior leader H S Dhami said Indian media and politicians deliberately describe the 1984 Sikh Genocide as "riots." The anti-Sikh violence of 1984 was not a riot. The massacres were not spontaneous, anomalous or disorganised, said he.
Party spokesman Kanwar Pal Singh while speaking on the occasion said November 1984 carnage in Indian subcontinent remains one of the blots on Indian democracy. Another blot is abrogation of Article 370 and holding and paralysing lives of millions of Kashmiris on gunpoint. He further said the issue of the orchestrated visit of far-right members of the European Parliament to Kashmir, a move meant to hoodwink world community that has backfired internationally. It's Modi's disastrous PR exercise.
Praises were showered on Pakistan's Prime Minister Imran Khan for fulfilling the long cherished desire of Sikhs. "Kartarpur corridor is going to be reality in next 72 hours and credit goes to Imran. The organizers thanked Imran Govt for taking initiative and forcing the Modi Govt to fall in line and accomplish the project. Left to New Delhi, our people would have been still praying for darshan deedare.
Coming down heavily on Captain Amrinder Singh for branding Kartarpur corridor as Pakistan's new design, Narien Singh said Punjab CM is suffering from ISI phobia. While PM Narendra Modi is claiming the credit for corridor on one hand, and on other Amrinder is calling it Pakistan's trap.
The gathering wondered as what was stopping Govt of India in releasing the Sikh political prisoners who have completed their life sentence. The announcement to this regard was made fifteen days earlier citing goodwill gesture by Union Govt on the sacred occasion of 550th Guru Nanak's Parkash Purab but in reality none has been released till date.
Amrik Singh Balowal from Akali Dal Amritsar, Gurdeep Singh Bhatinda of UAD said although 35 years have now passed, justice still eludes the aggrieved community and perpetrators are roaming freely.
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Related Topics: 1984 Sikh Genocide, Bhai Harcharanjit Singh Dhami, Bhai Harpal Singh Cheema, Bhai Mandhir Singh, Dal Khalsa, Indian Politics, Indian State, Jaspal Singh Sidhu, Kanupriya (SFS), Kanwar Pal Singh Bittu, Satnam Singh Paonta Sahib


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Architectural tensioned fabric structures are today's preferred choice whenever a dramatic, unique architectural statement is called for. We at Excel Fab Tech fluently speak the language of curvilinear, anti-classic surface geometries. Whether the initial concept is developed in-house or provided by the architect or owner, our expertise can turn any concept into a structurally sound, economic reality. Our complete in-house responsibility from start to finish results in a finished product that is outstanding in every sense of the word. Excel Fab Tech provides complete design/build expertise for unique tensioned fabric structures worldwide.
Our certified structural designs meet building code requirement for snow, wind and seismic loads as well as fire safety, energy conservation, etc. The wind behavior of large, unique roof shapes and configurations is typically confirmed by advanced wind tunnel analysis. Such analysis provides the greatest design accuracy and efficiency.
Excel Fab Tech is a true design-build firm, utilizing our design staff and proprietary technology and software tools. Structural analysis is performed in-house using state-of-the-art large deflection, non-linear finite element analysis, with computer aided form-finding and patterning of the fabric surfaces.
We install the structures we design in collaboration with owners, Construction Managers, General Contractors and Architects. We are also available to consult, advise, inspect service and in many cases refurbish tensile membrane structures.


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The backdrop of your photobooth will be provided with a name so you can try to add a customized cut-out. The letter pieces can be measured in length by taking the standards into consideration. The larger pieces can be created with the professional bonding which is offered by our team. The masterpieces can be produced in time in order to guarantee a quick turnover time for your laser cutting service design. You can collect the laser cut letters at your workshop once if your job is done. The customers can schedule for an appointment in advance if they want to hire the services offered by our team. It is possible to make an impression on your display with the engraving services offered by our team.
Corporate events in Singapore:
The stick tapes will not be included in the installation materials which are provided by our team. You must ensure to handle all the pieces with care as they are fragile in curvature firm due to its signage. If you have any queries about our laser cutting service then you can contact our team without any issues. The clients who want to hire the services offered by our team should verify the terms and conditions of our website. The corporate events in Singapore can be conducted effectively with the help of the photo booths. The customisation services will cover the different types of effects so you can choose the effects of your choice.


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text: How do you find out what IP address was assigned to a windows machine, if all you have is its hard drive, or a backup of its filesystem? These settings are in the registry: HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Services\Tcpip\Parameters\Interfaces\{BD0FEE19-A63D-4844-A6F6-E9BD91AB8D85} For an offline machine, grab the registry file from WINDOWS/system32/config/system, then on another windows machine, regedit click on HKEY_LOCAL_MACHINE File > Load Hive... load that 'system' file Then, you probably won't have CurrentControlSet -- check each of the ControlSet001, 002, etc. The IP settings are usually the same in all sets; if not you'll have to work out which ControlSet was active.


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David Healy believes Linfield 's title credentials will be put to an acid test in Monday night's Sky Sports shootout with derby rivals Glentoran at the Oval.
The Blues trail Danske Bank Premiership leaders Glenavon by four points in the wake of the Lurgan club's impressive 4-1 win at Coleraine on Saturday.
And Healy knows closing the gap won't be easy against a Glens side who are showing positive signs after a bright start to the season.
Since losing to Cliftonville on the opening day of the campaign, Ronnie McFall's men, who lie fourth in the table, are unbeaten in nine in all competitions.
Healy warned: "When you turn up at The Oval, you know it's going to be a million miles an hour, so it'll be a really good test for us, you can be sure of that.
"Glentoran have started pretty well this year and it's a big game live on Sky for everyone to see, so it's a big game. It's definitely one to look forward to."
While Linfield have just one defeat in their last 11 league visits to The Oval, Healy hasn't forgotten last season's Boxing Day defeat in East Belfast.
The Blues led through Cameron Stewart's early opener, only to lose 2-1 thanks to a Curtis Allen equaliser and Matthew Clarke own goal.
Healy, who also suffered a 4-3 loss to the Glens in the Europa League playoffs at Windsor Park in May, said: "We had some difficult results even though Glentoran were struggling.
"In a derby game, form doesn't really matter, but we'll definitely expect a full tilt Glentoran turning up on Monday night.
"When the whistle goes, you have to be ready. I want our players to show what you show us during the week. I want them to show how good they can be and the quality they have."
While North Belfast rivals Crusaders and Cliftonville have won the title five times in the last six years, Healy still believes the Big Two is the most prestigious game of the local game.
"In my eyes it still is," he said.
"The Big Two haven't been as successful over the past number of years, but in terms of the crowd, the electricity in the atmosphere and stature of the clubs, it is the biggest.
Is Linfield v Glentoran the biggest game in the Irish League?
"I know I've been hammered a bit by Glentoran fans in the past, but I have huge respect for the club because they have always been Linfield's biggest rivals.
"I'm sure with the manager they have and the coaches they have, they'll be looking to get back to not only challenge us, but the rest of the Irish League."
Curtis Allen is one goal away from hitting the century milestone for the Oval club.


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Where can I find you?
You can find me on Twitter and Instagram respectively as @Sara_Rose_G
Which language do you prefer when talking about autism?
I prefer identity-first language. Autism is something I am, not something I have and it's not detachable – so I prefer "I'm autistic" to "I have autism".
How did you get your autism diagnosis?
I was lucky enough to be able to go through my husband's work health insurance. Getting a diagnosis on the NHS can be tricky and quite a long wait. Unfortunately I'm not qualified to offer any specific advice on how to seek an autism diagnosis but if you have a supportive friend or family member, it may be helpful to bring them to your initial GP appointment to help advocate for you, along with your own research.
How can I contact you?
Unfortunately due to particularly low spoons and a high workload, I'm unable to respond to private messages at this time. I am often accessible on Twitter and love to chat to people, although I don't always see notifications, so please don't be offended if I miss your message.
I'm unable to help with specific life problems as, again, I'm not qualified and may do more harm than good. I can't offer advice on raising an autistic child but my book goes into great detail about my own experience, which may be helpful to an extent – with the caveat that we are all very different and this is just my personal experience.
For legal reasons I can't read scripts or manuscripts unless it's in my professional capacity as a script editor. I am unable to take on unpaid projects unless they are for charity or self-funded start-up projects. Please direct work enquiries to my agent, Rowan Lawton.
Where do you stand on issues within the autistic community?
Functioning labels: While I used them at first in ignorance, thinking they were simply medical diagnostic labels, I now avoid them and don't think they're useful. Describing someone as high or low functioning can be very problematic as it either writes off those perceived as "low" functioning and dismisses those perceived as "high" functioning. Autism isn't a linear spectrum and autistic profiles are very complicated and can also change dramatically over time. I prefer to speak in terms of support needs.
ABA, therapies and "cures": I don't believe autism is an illness or a deficit and I don't believe we need to be cured. I oppose anecdotally traumatic behavioural therapies where the aim is to make an autistic person behave more like a neurotypical. I also oppose attempts at cures, unscientific and often harmful "gut bacteria" diets and vitamins and dangerous bleach enemas.
Vaccines: Vaccines don't cause autism and even if they did, which they don't – there's nothing wrong with having an autistic child.
Restraint: Unless someone is genuinely in serious danger, I see no reason to restrain an autistic person in distress and subject us to trauma and potentially life-threatening restraint positions.
Gender identity: There is a large amount of crossover between the autistic and LGBTQ+ communities. I am a trans-inclusionary feminist and believe trans rights are human rights.
Self-diagnosis: While I think a diagnosis is useful for seeking accommodations and feeling confident in asserting your autistic identity, barriers to diagnosis mean that this can be an issue of elitism and inaccessibility. Where an official diagnosis isn't possible, I support self-diagnosis.
Minority voices: Autistic people of colour and non-speaking autistic people are among the most marginalised voices in our community and more attention needs to be paid and more done to elevate and amplify people who are too often ignored.
Autistic-led activism and media representation: I believe that the best-placed advocates for autistic people are autistic self-advocates. While relatives of autistic people may have some insights, lived experience is incredibly important for authentic representation. Nothing about us without us.
Isn't autism a serious subject? How can you laugh at yourself?
I don't consider myself to be broken or a tragedy – therefore I'm very comfortable laughing at my own foibles, just like everybody else. It's not pointing and laughing when you're doing it yourself. Believe me, I've tried. My arm doesn't bend that way.
Is Drama Queen suitable for all audiences?
Drama Queen is intended for adult audiences with content warnings for swearing, adult themes and difficult topics such as eating disorders, illness, death, suicidal ideation and mild sexual content. The book may be suitable for older teens but parental guidance is advised.
Is Drama Queen available where I live?
Currently Drama Queen is published in the UK and Commonwealth but some countries have it available on mail order. Please watch this space for announcements about further markets and translations.


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1 box yellow cake mix 1 and half cup cooked sweet potatoes
4 eggs
Stick butter. I use real butter unsalted
Cup water.
Fix according to the box and add sweet potatoes .cook on 350° in two 8`inch flour and grease pans. Till toothpick comes out clean. Let cake cool completely.
ICING: 1 stick butter
2 cups powdered sugar
Cup Caramel sauce
In mixing bowl beat butter til light and fluffy. Add sugar cup at time.
Beat until nice and creamy. Then add the Caramel sauce.


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ERIC Number: ED354646
Record Type: RIE
Publication Date: 1992-Nov
Pages: 11
Abstractor: N/A
AIMS CoPlanner: Transacting Changes in Resource Teacher Preparation.
Haines, Leonard P.; And Others
The impact of changes in the special education environment on the role of the resource teacher are discussed, such as trends toward placing students with special needs within regular classrooms, delivering programs to learners with a wider range of instructional needs, and collaborating in delivery of classroom instruction. Consequent shifts in demands upon teacher educators are then noted. The Department for the Education of Exceptional Children of the University of Saskatchewan's College of Education in Saskatoon, Canada, responded to these changes by: moving resource teacher preparation courses from the undergraduate to graduate level; developing generic theory courses around a core of "integrated practicum" classes; involving local public schools as practicum sites; and making use of peer coaching, reflective journal writing, and role playing and modeling. One component of the change process involved integrating computer technology into teacher preparation, through development of Project AIMS (Assessment, Instruction, and Management Support). The AIMS CoPlanner is an interactive computer program designed to help teachers gather relevant information about a student, reflect on that information, plan teaching strategies, monitor student progress, and report on student progress. Besides supporting instruction, AIMS CoPlanner was designed to enhance communication among staff who share responsibility for the education of a student, to make assessment and teaching tools available online, and to reduce administrative time involved. (Contains 15 references.) (JDD)
Descriptors: Computer Managed Instruction, Computer Software, Disabilities, Educational Change, Elementary Secondary Education, Higher Education, Management Information Systems, Practicums, Preservice Teacher Education, Program Development, Resource Room Programs, Special Education Teachers, Teacher Education Programs, Teacher Role
Publication Type: Speeches/Meeting Papers; Reports - Descriptive
Education Level: N/A
Audience: N/A
Language: English
Sponsor: N/A
Authoring Institution: N/A
Grant or Contract Numbers: N/A
Note: Paper presented at the Council for Exceptional Children/Teacher Education Division Conference "Transactions: Changing and Affecting Change" (Cincinnati, OH, November 11-14, 1992).


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Either you are a full-stack developer or a data science aspirant, at some point in your career, you will come across SQL. SQL will assist you in analyzing data on time, writing queries to prepare, filter, sort, organize data efficiently, and far more.
Practice is the best way to learn SQL, and what suitable way to practice than to read a book and work alongside! That is why we've picked the best 10 SQL books that will enable you to learn SQL from scratch to advanced. We've included a unique mix of books for beginners, intermediate and advanced level SQL users, and readers that practically cater to data science requirements.
Best SQL Books
There's no shortcut if you want to get the concepts of SQL for life, although you may see different kinds of best SQL books that claim to help you learn SQL in 10 minutes or ten days.
- SQL Cookbook
If you have already begun working with SQL and have a little understanding of select, update and insert queries, but you don't have the time to go deeply through all the concepts, this book is a good reference. The book entails basic select, update and insert queries, but it is a crash program. The author assumes you have a background in SQL already (that's the aim of the cookbook). It emphasizes writing complex queries, fine-tuning questions, data preparation and manipulation, grouping, and reporting. This book is suited for both beginners and intermediate learners. The author presents many queries as samples of what you would encounter in a real-life situation. Use it as a fast reference to find a question similar to the problem you are experiencing in your project. Begin by going over the preface, and if you want to urge into basics, undergo the appendix before exploring the book.
- SQL Beginner's Guide & 7-Day Crash Course
This book will guide you on everything you would like to find out about SQL – not just writing queries but also understanding the roles of SQL and how it can assist with end-to-end project execution and reporting. It covers essential statistical analysis topics, thereby making it a good reference for data analysts and scientists. The complexity of issues increases as you get to chapters five and above. The author offers enough examples for you to understand the concepts well. Throughout the book, you will picture how the whole RDBMS works, the importance of SQL in a client-server-based system, and keeping data secure. This is the
book to start with if you have the time and energy to learn A to Z of SQL.
- SQL QuickStart Guide: The W Beginner's Guide
The author of this book presents a unique genre – an amiable and straightforward tone. The author also encourages you to undertake new things and practice as you learn; learning SQL will become a piece of cake with this book. The book majorly caters to beginners and also those in the data analysis field and solves many problems associated with data manipulation and analysis. This book can be a guide for enhancing your knowledge if you have a working knowledge of SQL. In the first few chapters, the author explains technical terms and starts with fundamental terminologies. This builds a firm foundation for more learning of SQL. The flow of concepts from primary to advanced is seamless.
- Head First SQL
You will understand how witty, interactive, and informative Head First books are if you've ever read them. There are tons of quick tips and pictures on all sides that enable you to remember essential tit-bits. You will eventually enjoy how the authors have explained joins – neat and simple. The book follows a unique approach and features where you will be taught to unravel a problem, leading to a different issue that can be solved with another process. This enables you to remember the concepts well, but you will need to create time to understand each approach. It's just like you are exploring different parts of SQL but with supervision. The book is fast-paced, so you would sometimes think you've understood the concept, but it may not be like that. Take time to understand and digest each concept and practice frequently before progressing on to the subsequent chapters.
- A Beginner's Guide to Microsoft SQL Server 2016
This book can be considered suitable for beginner to intermediate SQL learners. The book gives you an understating of RDBMS and enlightens you on step-by-step installation, set-up, and basic troubleshooting. It is a technical book, so you shouldn't use it as a quick reference for detailed learning purposes. The end part of the book also enlightens you to concepts of spatial data, XML, and JSON and how they adjust to the database system. It is an excellent book for developers, technical analysts, and database administrators alike. This book also has information about data security, performance tuning, reporting services, and different optimization techniques. It is a must-have book for the technical geeks.
- SQL Practice Problems
SQL Practice Problems is an excellent book for developers and business professionals who can write basic select, insert, update, and delete queries. It is a refresher course of what you already know, plus some more advanced difficulties to challenge you further. This is not the right book for you if you are trying to find an accurate step-by-step tutorial. It is appropriate if you want to get into working mode for simplifying real-world problems quickly. The book enables you to get the correct answers by making the expected answers for every given problem known. As you practice the problems you encountered in this book, you will need other online resources such as online courses and skim about concepts from other sources. This book will teach how SQL solves real business problems while going through the images in a natural flow.
- SQL for Data Analytics
It is an excellent book for both beginners and advanced-level learners of SQL. The book has many practical examples but is not too heavy. The tone chosen by the author is friendly and soothing, so it seems like a tutor is talking and explaining the concepts to you. If you are learning SQL for data science, you can learn tons from this book. The range of concepts covered is extensive and starts from basic select to advanced window functions. You will find many valuable tips to optimize queries to organize, extract, and manipulate large data sets by about this book as a data scientist. This book fits either you need a quick guide or a structured learning book. The book also covers the basics of how R and Python are often integrated with the database. The author focuses more on using complex data types for analysis, fine-tuning queries for optimum performance and provides a pleasant case study to enable you to visualize the end-to-end data analytics process.
- Oracle PL/SQL Programming
Oracle PL/SQL Programming book covers all PL/SQL topics in-depth. They have a basic knowledge of queries and scripting to make use of this book thoroughly. Lots of concepts are explained with real-world examples to make a practical mindset. There are examples given for ideas that haven't been taught at times, but you will view them from other resources like blogs, tutorials, and short YouTube videos. Thus, the book is enough for learning basic and advanced concepts. The book's writer seems to have understood how a developer thinks totally, and while reading, whenever you seem to have a doubt – it will be cleared within the following line! This book is the right book to learn PL/SQL programming for intermediate to advanced SQL developers.
- SQL All-In-One For Dummies
SQL All-In-One For Dummies books is always an excellent read as it requires no former knowledge. The book begins with the roles of RDBMS, where SQL fits in, and goes to explaining queries, data security, performance tuning, and more on XML and JSON. The book doesn't go too much in detail but touches upon all essential SQL concepts. This would be a great book to start if you are beginning your SQL journey or you use SQL a few times at your job. It won't scare or overwhelm you with too many concepts but make you comfortable. The correct information and code gathered to make this book a perfect start for SQL beginners. You can supplement the reader with more in-depth books if you are curious enough.
- Data Analysis Using SQL and Excel
The most powerful tool for data analytics is Data Analysis Using SQLSQL and Excel. The book does more data-science-centric than learning basic queries like select, update, and more. It focuses on assisting in writing complex queries to manipulate information from massive datasets or databases. Once you get along with the author's way of explanation, you will find the concepts falling into place, although it might seem a little complicated to follow from the start. The chapter on data processing models is unique and valuable if you do much SQL in your analytics. The author has tutored well the importance of SQL and excels in creating different machine learning models. After the book, you will put down complex queries that are also preformatted. The ideas and warnings in between the chapters are insightful. With this book, you will enjoy the full flavor of data extraction, data flow, and data visualization through SQL and excel. With this book.
You can begin with SQL beginner's guide or SQL for dummies for basic concepts If you have a working understanding of SQL and want to hone your skills or need books for quick reference, you should shop for SQL Cookbook or SQL Practice Problems (or both). Oracle PL/SQL programming will allow you to write scripts and more complex SQL queries. SQL for data analytics and analysis using SQL and Excel is meant for data analysts; thus, many experienced developers also find these books beneficial. While reading more complex concepts, having SQL cheat-sheet together will help you easily refer to commands.


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Bloomberg Businessweek, by Heidi Przybyla
The Child Care and Development Block Grant, the main source of federal child-care subsidies for low-income working families, will assist 55,000 fewer children nationwide if the cuts occur, according to an estimate by First Focus.
Women's health programs also would be hurt. In California, 1,455 fewer women will be screened for cancer through breast examinations, mammograms and pap tests, according to a fact sheet from Senator Barbara Boxer, a Democrat. …Read more


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NCAA Year in Review: Boston University, Colgate, and Providence
Last out of the tournament from the East — what do we think of their season?
As the NCAA women's hockey season winds down, writers Gabriella Fundaro and William Whyte are taking an in-depth look at how each team has shaped up in 2018-19. It's time to look at the Eastern teams that almost but didn't quite make it.
Boston University
Gabriella: After losing a 67-point scorer and a 57-point scorer from last season (Victoria Bach and Rebecca Leslie, respectively) I don't think anyone expected the Terriers to keep pace, let alone improve. But Jesse Compher and Sammy Davis emerged as the team's new go-to scorers, Corinne Schroeder settled beautifully into the starting role in net, and BU went from sixth place in Hockey East (8-11-5, 14-17-6 overall) to third (15-6-6, 21-8-8 overall).
It seems like goaltending was the biggest difference for the Terriers, but I don't think the play of Compher should be understated, either. Before the season, I thought she was an easy pick to have a breakout year, but she went above and beyond that, leading Hockey East in scoring with 61 points and earning a nod as a Patty Kazmaier top-10 finalist. What aspect of BU's season, and their improvements overall, most impressed you?
William: Of all the non-CHA teams whose season ended last weekend, BU are probably the most satisfied with the year they just had. They lost Bach and Leslie, and looked ready to take a big step back, but once they found their stride they were very dangerous and ended the season ranked in the polls and one-win-and-some-luck away from an at-large bid to the national tournament.
They had a narrow loss to BC in November, which already seemed like a better result than BU was expecting on paper. What really got people's attention, though, was a weekend sweep of BC (again) ten days later. Then Compher caught fire: she went from a respectable eight points in her first seven games, to 16 in her first ten, to 31 in her first sixteen -- from just above a point per game to just below two. Compher ignited Davis, who had two nine-game points streaks during the season and ended on 52 points, not bad for coming back from an injury year.
Compher is unusual among superstars in that the stats show her primarily as a playmaker: she had 17 goals and 44 assists to make up her 61 points. That seems like very few goals for that many points, and it is. Looking at players who scored 40 or more points this season, Compher was one of only four to have her goals make up less than a third of her points. (The average is .84, and seven players got more than half their points from goals). Whatever the opposite of a puck hog is, Compher's that. Her value wasn't just her own aggressiveness, but how she brought up her linemates, Davis and thirteen-goal, six-assist Mackenna Parker. That kind of good play seems easier to sustain than the play of a sniper who hits a hot streak.
I suppose I'm most impressed by how BU keep it going. They lose Poulin and suddenly Sarah Lefort is setting the program record for goals. They lose Lefort and there are Bach and Leslie to take up the slack. They lose Bach and Leslie after a disappointing season and come back stronger than ever with Compher and Davis. The highest scoring senior they graduate is Reagan Rust with only 13 points. Next year they could be scary good.
Stick taps: BU won its very first Beanpot title as a varsity program in thrilling fashion, first knocking off Northeastern in a shootout and then defeating Harvard in overtime of the title game on this dazzling play from Compher and Davis.
We're the best of Boston in 2019 thanks to this overtime goal! #GoBU pic.twitter.com/OkKjydJW6b
— BU Women's Hockey (@TerrierWHockey) February 13, 2019
Losing an edge: For as much progress as the Terriers saw this year, they did not get off to a very good start to the season, winning just one of their first seven games.
This wasn't just for our team. This was for everyone that's ever put on a Terrier uniform. pic.twitter.com/7RB72U6tu6
— BU Women's Hockey (@TerrierWHockey) February 13, 2019
Gabriella: I thought the Raiders might have a little more left in them after a very solid ending to the regular season, but after falling to Clarkson in the ECAC semifinals, they didn't have the overall resume to warrant a bid into the NCAA Tournament. It's a clear step back for last year's national runner-ups, as they had to regroup after losing several major contributors to graduation. That was especially evident over the first half of the season, when the Raiders suffered losses to Penn State, Ohio State, and Brown, went winless in a series against Mercyhurst, and tied Robert Morris and Quinnipiac.
The outlook got brighter as the season wore on, though. Jessie Eldridge, Malia Schneider, and Shae Labbe emerged as one of the NCAA's most dynamic trios up front. Olivia Zafuto shined as the team's No. 1 D. They ended the regular season on an eight-game unbeaten streak. Unfortunately for the Raiders, they couldn't translate that into postseason success. Did you see a big difference in Colgate's play from the beginning of the year to the end, and did you expect them to wrap up so early this year?
William: Whatever about overall depth, the ECAC is certainly the conference with the best top-four teams, and that makes it easy to slip down from the very top. Colgate lost more scoring to graduation than anyone but Northeastern and that was always going to make them vulnerable. In fact, they didn't slip too much on the scoring -- from 145 goals for last year, to 133 this year. Their problems were defensive. They went from 65 goals allowed to 96, almost a full goal more per game played.
Some of this seems to have been directly on the goaltending, unfortunately. Julia Vandyk had a career year last year, with a .929 save percentage overall but a .946 save percentage across the three games of the NCAA tournament. This year her overall percentage was .911 and her percentage since the start of February was just .904.
But that change in save percentage doesn't account for all the extra goals, and it shows that the Raiders were also letting up more shots. Last year they played a high-energy game based on tight D, close support on the backcheck, and a speedy transition that took the other team by surprise. Wherever the puck was, there was a Raider crashing the play and another behind her to clean up. It was very effective, if not very structured to the casual eye, but had to be exhausting for the team, and I wonder if last year's seniors, Greg Fargo's first freshman class, had bought into it more than any other class could be expected to.
Next year Colgate graduate even more of their scoring -- 163 of this year's total 333 points were scored by seniors. The good news is that 165 of their points were scored by underclassmen. Yes, they have only two juniors! And those are a defender who transferred from BC, and their backup goalie! So if they can weather the storm next year, the year after might be another one to watch.
Stick taps: Jessie Eldridge became the first player in program history to score 30 goals in a single season, and was also the school's first Patty Kazmaier Memorial Award top-10 finalist.
Losing an edge: In ECAC play, the Raiders had a huge wake-up call in their first game against Princeton, when they were outscored 6-0.
William: Bob Deraney coached Providence from league champions in 2004-05 all the way down to a .229 win percentage in 2014-15 and back up to .554 last year, their first above-.500 season since 2011, and then unexpectedly decamped to China where he was thrown into the same coaching meatgrinder that chewed up Digit Murphy last year. His successor, Matt Kelly, was from outside the program and outside the standard coaching career path, having spent four years as USA Hockey's Women's National Team's head scout. You would think Kelly's expertise was more in recruiting than in coaching, but he took a team made entirely of Deraney's recruits and brought it to a win percentage of .676, the highest since 2003 and the second highest of the NCAA era. Katie King Crowley and Courtney Kennedy's work with the U18 National Team kickstarted BC's rise to national prominence; maybe Kelly's national team experience will help build a similar powerhouse just down I-95.
And yet… for all that they had that high win percentage, and for all that they were ranked for a lot of this season, and for all that Maureen Murphy emerged as an elite player this season (especially in the first half, which she ended in fourth place in points per game and leading the country in goals per game)... for all that, Providence didn't seem quite as dangerous this year as they did last year. Holy Cross entering Hockey East inflated everyone's win percentage and goal difference, and cut down massively on out of conference (OOC) games. Providence didn't exactly aim high with its remaining OOC games, replacing games against Cornell and Princeton from last year's schedule with … Bemidji and Penn State. They had a win against BC, but BC was missing its Four Nations players. They had a weekend sweep against a solid Merrimack. But there was no real statement win that you could point to and say "this team's elite". Arguably, their two best wins came right at the end of the regular season when they weren't really in the ranking conversation any more: a 5-2 victory over a Northeastern team that just wanted to get to the finish line, and a 2-1 victory over a BU that was fighting for a tournament at-large bid.
So which Providence is real? The one that looked good but maybe wasn't? The one that people had stopped paying attention to but that might have been good? Something else? And what will happen next year?
Gabriella: While there's no shortage of parity in women's hockey lately, consistency is much harder to come by; that's the mark of any truly great team. And for as good as the Friars showed they could be, they didn't quite have that consistency from beginning to end. Losing two games each to BU and BC in January showed they still have a bit of work to do to compete with the conference's best and regularly turn out results in those games, but this first season under Kelly's guidance is definitely encouraging. Opponents seemed to figure out how to neutralize Murphy, so we'll see if she can take a step forward next year and separate herself from the pack, and if the team can develop more weapons around her so the focus isn't always on her.
Although they seemed to slip over the second half of the year, I really liked where Providence ended up. After those big wins against Northeastern and BU, they knocked a tough Merrimack team out of the playoffs in two games, holding the Warriors to one goal over that series. When they faced Northeastern again in the semifinals, they hardly looked like a team that was going to get run over. They gave the eventual Hockey East champions a good run, outshooting the Huskies 34-18 and keeping it a one-goal game for the entire 60 minutes. Like you say, I think people (myself included) might have counted the Friars out at that point, but they did an impressive job of regrouping and figuring out what works for them at the most critical point in the season.
Stick taps: Maureen Murphy led the nation in goals per game right up to January 18th (when she was displaced by, of course, Loren Gabel).
Losing an edge: Maureen Murphy wasn't even in the top 100 in the nation in goals per game from January 19th to the end of the season.
Maureen Murphy has been named @hockey_east Player of the Month for November! She had a point in every single game of the month and a nation-best five game winners #GoFriars pic.twitter.com/gAasLTjMdD
— Providence W Hockey (@PCWHockey) December 5, 2018


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Business Entity Options
Real estate investors can benefit tremendously from the formation of a business entity such as an s-corporation, limited liability company, and special purpose entity.
S-corporations are best for short term investors. For example, fix-and-flip real estate investors. Fix-and-flip real estate projects have grown exponentially in popularity. These investors are acquiring a distressed property with the intention of improving and stabilizing the property to sell it for a profit.
Why should short term real estate investors form an s-corporation?
An individual investing in real estate with a fix-and-flip strategy will have to deal with a self-employment and social security tax rate on their profit. However, if the individual forms an s-corporation, the investor will be able to avoid a percentage of the self-employment and social security tax rate.
Short term real estate investors specializing in fix-and-flip projects are considered dealers, not investors. Therefore, this puts them at a disadvantage when tax season comes around as they can't take advantage of certain tax benefits such as the 1031 exchange, depreciation, and lower capital gain tax rates.
Limited Liability Company (LLC)
Limited liability companies are best for long term investors. For example, real estate investors with a buy and hold strategy aiming to accumulate numerous streams of rental income with long term asset appreciation.
The ownership of real estate does not establish the exchange of business in most states.
Why should short term real estate investors form a limited liability company?
Long term investors can use a limited liability company to decrease personal liability, risk exposure, reap the benefits of pass-through taxation, simplifies the process of investing with partners, separates your business operations from personal operations, acquire properties anonymously, tax benefits, and finance deals easily.
Single Purpose Entity (SPE)
A single purpose entity (SPE) is a borrowing entity which has no other assets or liabilities aside from those which it is being formed to acquire. Lenders who are providing financing for large real estate portfolios and/or commercial real estate transactions typically require the borrowing team forms a single purpose entity?
Why do lenders prefer investors form a single purpose entity?
Lenders prefer the formation of a single purpose entity as it decreases their risk exposure to the borrowers' assets and liabilities which the lender isn't providing financing. Single purpose entities limit the lenders risk exposure as real estate investors often have numerous loans and project going on at the same time.