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Last updated: February 15, 2019
The Air Miles rewards program is, in my opinion, one of the most overrated rewards programs in Canada.
But, due to its widespread use and popularity, it still deserves ample coverage on this site.
Even with its (many) pitfalls, I must admit that it does have the occasional silver lining and, because of that, I do participate in the program myself from time to time.
...It also must win the award for the rewards program with the most confusing name. I mean, seriously, who calls a retail rewards program 'Air Miles' anyway?
Silly name aside, it's indeed true that you can redeem your Air Miles for flights on one of several partner airlines, but this is far from the most common reward choice.
That's because the Air Miles program has one of the most comprehensive rewards catalogues of any program I've seen.
Want to cut to the chase and figure out how to get the best value for your miles? Download this PDF guide of the top 5 Dream Miles rewards.
Let's get started:
- How to measure the value of an Air Mile,
- how to earn Air Miles fast,
- how to redeem Air Miles rewards, and
- Gold and Onyx members perks.
Measuring the value of an Air Mile
Central to any discussion about Air Miles is often the question of how much they're worth.
This depends on many factors, so it's useful to get 2 tools for understanding their value under our belts – how to calculate both CPM and Rate of Return.
What's CPM?
CPM stands for cents per mile. It's an easy way to compare the value of different rewards.
You can calculate CPM by dividing the cash value by the number of Air Miles required to purchase it. Then just times that number by 100 to get the cents per mile, not dollar per mile.
So if you redeem 6,800 miles for a Dyson Ball Animal 2 Vacuum, which retails for around $678, this is your CPM:
678 / 6,800 = 0.099 x 100 = 9.9 CPM
How to get your rate of return
Once you know the value of a single mile, you can calculate an even more important number: your rate of return when earning Air Miles.
This is calculated by determining how much you spend earning miles versus the overall value you get for those miles.
With this number, you can easily make comparisons between different promotions and earning opportunities.
Here's an example
While shopping at Safeway you see a product that costs $10 and has a 20 Air Miles bonus reward attached to it. You decide to buy 2. Assuming Safeway has the regular rate of 1 mile per $20 spent, here's what your calculations look like:
40 (bonus) + 1 (regular) miles earned x 14.2 average CPM = $5.82 / $20 spent = 0.29 = 29%
So participating in this bonus effectively gives you a pretty decent 29% discount, since that's what you're getting in rewards.
The regular rate of return
The typical way to earn Air Miles is by shopping at one of the various partner stores (online or offline) and showing your card or entering your number when making your purchase.
You can view a complete list of participating stores on the Air Miles website, just search alphabetically on the right.
The odd thing about the program is that there's no standard criteria for earning a single reward mile at the regular rate. The most common rate of reward is 1 mile per $20 spent, but it can vary from merchant to merchant depending on the agreement they have with Air Miles. It's also subject to change over time.
So, assuming a 1 mile to $20 spent accrual rate, and doing a typical redemption of 190 miles for a $20 gift card, the rate of return works out to be a paltry 0.53%.
This is better than nothing, considering you can stack it with your credit card rewards program, but I'd definitely choose a cheaper price over earning Air Miles at the regular rate any day.
How to earn Air Miles fast
Although the Air Miles program doesn't have as many ways to earn a truckload of points as the PC Optimum program does, there are still plenty of ways to quickly increase your balance.
Overall, you can earn miles 3 ways:
- shopping at Air Miles sponsors,
- adding the Air Miles plan to your BMO debit card, and
- using an Air Miles credit card.
Shopping at Air Miles sponsors
A great way to start earning miles is by using your collector card while shopping at Air Miles sponsors.
This can be both in store, at places like Good Year and Holiday Inn, or online using their webstore.
Here's a full list of their merchants. Use the "Region" menu on the right to filter for your province.
The typical return at these partners are 1 mile per $20 spent, but this can change depending on the issuer and the running promotions.
Multiplier days
Like the PC Optimum program, the Air Miles program has multiplier days as well.
The basic premise is that a particular Air Miles partner will run a promotion where, instead of earning the typical amount of Air Miles on your purchase, you earn several times more.
This can range anywhere from 2x to 20x the usual number of miles.
The only problem is that these multiplier days aren't nearly as regular, consistent, or lucrative as they are with the Optimum program. It's hard to know what stores will offer these mile multiplier days and, even more importantly, when they'll be offering them.
Product bonuses
It's very common when perusing the flyers of Air Miles partners to see big blue blobs next to certain products. The numbers inside these blobs represent how many bonus miles you'll get when purchasing that product.
The number of miles awarded can be quite small, which makes them pretty useless considering you can probably get the same product cheaper elsewhere.
Other stores often put deep discounts on the same products at the same time. This is the kind of product bonus you should look for.
There's often a minimum quantity you need to purchase before you receive the bonus for the product.
Retailers like to ensure that you'll buy a larger quantity than usual to increase their revenues. In these cases, the product is worded as:
Buy quantity x of product y to get z bonus miles.
Just be careful that the quantity you need to buy doesn't destroy the overall value of the reward.
Another thing to watch out for is any restrictions on the number of times you can take advantage of a product bonus.
You might think that if you get a great bonus for buying 1 particular product, then you can buy 10 of the same product at once and get 10x the amount of miles.
This often works, but pay attention to the fine print to make sure it's possible.
In some cases, it might be restricted to 1 offer per person or even 1 offer per transaction. You may need to go through the checkout multiple times if you want to take advantage of the bonus several times.
Here's an everyday example of a product bonus so you can get an idea of the kind of miles you can earn with this.
I saw a product bonus of 50 miles when you purchase 2 packages of toilet paper (containing 30 rolls each). The price for each package was a very reasonable $6.99, bringing your total cost to $13.98.
Referring to our rate of return formula, you're getting 49% return on this purchase. Not bad, right?
That's just one reasonably good example, if you look hard enough you can do much better than that. And if you don't look hard enough, you can do much worse.
Bonus coupons
Another great way to quickly increase your Air Miles balance is to use bonus coupons.
These coupons come in many forms, can be obtained from several places, and are all quite different. So this is another thing you'll just have to keep an eye out for as you shop and check deal sites.
Most of the coupons you'll come across aren't great, so make sure you aren't changing your shopping patterns for a coupon that's less than exceptional.
Remember, the goal is to save money, not to limit your options just because you're earning a few miles.
Coupon sources
Air Miles bonus coupons usually originate from one of the following sources:
- The Air Miles.ca website, usually in the Earn Miles > Offers & Promotions section.
- The Air Miles email newsletter, which you can opt into via your Air Miles.ca account settings.
- Inside quarterly statements.
- Coupon booklets found in stores.
- Partner websites.
- Partner email newsletters.
- Partner flyers.
- Credit card statements
Big promotions
From time to time, Air Miles will run a global promotion that includes most or all of their retail partners.
The typical format for these promotions involves you shopping at several of their partners within a specific period of time. Then they reward you with a lump sum of miles after the promotional period ends.
For example Shop the Block happens once or twice a year and can net you up to 2,000 bonus miles, just for shopping at their partners.
Banking at BMO
The concept of offering rewards to customers for using everyday banking services is no stranger among Canadian banks.
But there was a time in the not-so-distant past when this was a fairly new thing. BMO was among the early adopters of this strategy when they started offering Air Miles for debit purchases on top of their Air Miles affiliated credit cards.
For a monthly fee of $15.95, you'll earn 1 mile for every $30 you spend anywhere.
Typically, I don't recommend ever using your debit card as a method of payment, since it doesn't make sense from either a rate-of-return or a security perspective when compared to credit cards.
But there are certain types of payments that can't be made using a credit card, like insurance, property taxes, tuition, small family businesses, power, etc.
You might as well be earning something on these recurring expenses. Something is better than nothing.
Related: Stop Using Your Debit Card Canada!
I would definitely consider taking full advantage of the Air Miles offered by BMO if you're already a customer.
But before switching to BMO for all your banking needs, be sure to weigh the costs of doing so and compare them with the other banks available. Their fees can sometimes be quite high in comparison.
Air Miles credit cards
Credit cards are typically the quickest and best way to earn rewards of any kind, and it's no different here.
Air Miles is affiliated with several cards offered by both American Express and BMO.
The best Air Miles card
If you're planning on redeeming for flights, your best option is the BMO Air Miles World Elite Mastercard.
As mentioned in the flight section, you'll get a 15% discount when redeeming your miles for flights.
But that's not all.
If you sign up right now and make a purchase, you'll get 3,000 bonus miles.
Plus, as part of the welcome bonus, you get a one-time-use companion flight rebate, allowing you to book a flight for 2 people, then getting the miles for 1 ticket refunded to your account.
The discussion of these credit cards deserves its own dedicated space, so if you want to know more, head over to the Air Miles Credit Cards page.
Redeeming your miles
You have 2 main options for redeeming your miles:
- Cash Miles, and
- Dream Miles.
You can earn a combination of the 2 categories, or choose to only earn miles in one. Whatever you choose, just remember that once a mile has been earned in one category, it can't be transferred to the other.
What are Cash Miles?
Cash Miles can be used for in-store discounts or redeemed online for cash vouchers.
They make determining the value of a mile look easy because they're always redeemed at a rate of 95 miles for $10 – with some places requiring a minimum $20 redemption. That gives each mile a value of 10.5 CPM.
In-store redemption
Simply scan your card at the register and let the cashier know that you'd like to redeem your Cash Miles. You'll get an instant discount on your purchase.
Participating merchants include:
See a full list of merchants in your province here.
Online redemption
You can also redeem your miles online in exchange for e-vouchers.
Simply select the merchant you want to redeem with here and you'll get an email with a printable voucher to use in store.
About double the amount of merchants are available when choosing this method of redemption, so it's always worth a check.
What are Dream Miles?
Unlike Cash Miles, the value of Dream Miles changes depending on what you're redeeming them for – and you have a ton of options.
Though there's no 100% exact way to do know how much Dream Miles are worth, reasonable approximations can be made. An average value across all categories is 14.2 CPM.
Getting the most value from your Dream Miles
The Dream program has an absolutely massive rewards catalogue, probably the largest of all Canadian rewards programs.
Getting right to the point, redeeming for travel (flights, car rentals, attractions, and hotels) will give you the best value 99% of the time, but events can have a super high CPM depending on what they are.
Here's all your options:
- Events (21.6 CPM),
- Flights (17.2 CPM),
- Car rentals (16.2 CPM),
- Attractions (13.4 CPM),
- Hotels (12.3 CPM),
- Vacation packages (11 CPM), and
- Merchandise (7.7 CPM).
Redeem for events (21.6 CPM)
One surprisingly high-value option for redeeming your miles is for events, which includes things like concerts, movies, and plays.
I price checked 3 concerts to get my average: Rod Stewart (10 CPM), Paul Brandt (24 CPM), and Natalie McMaster (30.7 CPM).
Just from this relatively small pool of results, you can see that the value of a mile, when redeemed this way, can really fluctuate.
But what gives this option even more value is the fact that the events sometimes have limited seating available or are even completely sold out.
For that reason, it's always a good idea to keep your eye on the available concerts – even if they're sold out.
Browse events here and concerts here.
Redeem for flights (17.2 CPM)
You mean you can actually redeem "Air Miles" to fly? Wow!
The value of this type of reward is hard to calculate because the cost of flights in both dollars and miles changes all the time.
Most airline rewards programs, like Aeroplan, have a fixed mile cost for flights within North America or to Europe, etc. But that's not the case with Air Miles!
What I found
Please note: You can only see options that your current Air Miles balance can cover, so my research was limited to flights that needed less than 2,750 miles.
I looked at flights booked for 7 months in advance that take off from 12 big Canadian cities, landing in Canada and the United States. These tests included 4 types of bookings:
- specific dates during low season,
- specific dates during high season,
- flexible dates during low season, and
- flexible dates during high season.
Being flexible with your dates increased your average value from 13.9 CPM to 17.2 CPM – a 25% increase.
It definitely pays to shop around with your miles when redeeming for flights.
Related: 12 Fly Ways To Find Cheap Flights
Your other options
That said, I'd still focus my efforts on other programs that are better suited to air travel, like:
- Aeroplan,
- British Airways,
- Alaska Airlines (where points can be redeemed on 17 different airlines), or
- Marriott Bonvoy Rewards, which allows you to transfer points to more than 40 airlines at a more-than-favourable rate.
With these rewards programs you also have the option of saving up and flying first class, which historically offers a ridiculously good rate of return – first class flights can cost 10x more but only require a couple times more Air Miles to redeem.
It's up to you if you'd rather fly a few times in economy or have one spectacular flight in first class. To each their own!
Mile discounts
When it comes to special discount offers, flights are probably the only ones that are really worth looking at.
If you combine the already decent return of flights with an additional promotional discount, then you're starting to achieve something that's really worthwhile.
Keep an eye on their Travel Specials page so you can be on top of these kind of promotions.
Best way to redeem for flights
One way to get a little more value out of your Air Miles is by owning a BMO Air Miles World Elite Mastercard. This will give you a 15% discount off the regular cost in miles for any flight.
This discount actually raises your CPM by 17.6% – making the 17.2 CPM average jump to 20.2.
Though this isn't stackable with any other promotion, if you're in a pinch and can't wait for a better promotion to come around, always having that 15% available is definitely handy. It pays for the $99 annual fee – and more.
Redeem for car rentals (16.2 CPM)
Car rentals provide a surprising amount of value, considering rental cars can get expensive really quick.
I tested 1-day weekend prices at Canada's major airports for both compact cars and minivans, usually your cheapest and most expensive car options.
Compact cars averaged a 20.6 CPM value, while minivans came up a bit shorter at 14.1 CPM. The average of both is 16.2 CPM.
Comparisons aside, these numbers are actually pretty good. So if you have the miles and need a rental car, this is a great option.
Book rental cars here.
Redeem for attractions (13.4 CPM)
Redeeming for attractions has a decent average CPM of 13.4, but their individual values tend to fluctuate. My research turned up a low of 10.1 CPM (1 ticket for a 7-day Walt Disney World Resort) and a high of 19.2 (2 tickets to Calgary zoo).
So it's definitely worth it to check it out, but not always worth it to redeem. Just remember to calculate the CPM yourself and you'll have a pretty good idea if it's worth your miles.
Please note that my calculation used the regular price. But you can often find creative ways of lowering the price through things like season passes, buying in advance, package deals, and coupons.
Look at attractions here.
Redeem for hotels (12.3 CPM)
Hotels can still give you a pretty decent value for your miles, but definitely not as good as your other travel options.
My research surveyed 18 hotels in 9 major Canadian cities, including both downtown locations and those close to airports. I also used fully-cancellable rates since Air Miles is also cancellable, but keep in mind that non-cancellable rates tend to be cheaper.
|Hotel Name
|Miles Required
|Taxes and fees
|Actual Hotel Price
|Best Western Plus Chateau Granville Hotel & Suites
|Sheraton Vancouver Airport Hotel
|Best Western Plus Suites Downtown
|Best Western Plus Port O'Call
|Best Western Cedar Park Inn
|Hampton Inn & Suites Edmonton Airport
|Holiday Inn Hotel & Suites Wiinipeg-Downtown
|Best Western Plus Winnipeg Airport
|Sheraton Centre Toronto
|Best Western Premire Toronto Airport Carlingview
|Ottawa Marriott Hotel
|Holiday Inn Express & Suites Ottawa AIrport
|Best Western Ville-Marie Montreal Hotel & Suites
|Sheraton Montreal Airport
|Quebec City
|Delta Hotels Quebec
|Best Western Premier Hotel Aristocrate
|Four Points by Sheraton Halifax
|Holiday Inn Express & Suite Halifax Airport
The values fluctuate a lot, coming in as low as 10.1 CPM and climbing all the way up to 25.5.
So hotel redemption is definitely an area where you should do your research beforehand. You could get a really great deal, or you could be better off redeeming for almost anything else.
Book hotels here.
Redeem for vacation packages (11 CPM)
Coming in at the bottom of the travel category are vacation packages.
You need to redeem 909 miles to get a $100 travel certificate that you can use at redtag.ca
This gives you a value of 11 CPM, almost the same as redeeming for Cash Miles.
Though it's the worst travel option, it's not terrible overall. It can be one to consider.
Book vacation packages here.
Redeem for merchandise (7.7 CPM)
Finally, the one category that I'd suggest avoiding – merchandise.
I tested prices for 11 products and their value ranged from 6.1 to 10 CPM.
But, if you're not planning on going on a trip anytime soon, and your miles have already been earned in Dream Miles, then it's still a decent option for you. Just not in relation to the rest of the Dream rewards.
The thing with merchandise is that they mostly have high-end products on offer, all of which are likely to go on sale at some point soon. It might be worth your while just to wait for those discounts instead of using your miles.
Check out their merchandise here.
Merchandise discounts
There are almost always discounts on AirMiles.ca for merchandise, usually in the form of weekly specials, which can be found on their Deals of the Week page.
But even their clearance merchandise values aren't great...
For example, say a JBL Flip 4 Speaker was available for the clearance price of 1,538 miles.
A quick internet price search shows prices ranging from $119 to $140. Using the cheapest price (since you should always price check), here's the calculation:
$119 x 1.13 (tax) = 134.47 / 1538 = 0.087 = 8.7 CPM
With a little more research, it's likely you could beat down the price even more, further reducing your value.
In short, don't waste your time trying to redeem your Air Miles for merchandise. It's probably not worth it.
Air Miles reward programs – Gold and Onyx members
Air Miles offers different programs for dedicated collectors who earn a certain amount of miles within a single calendar year (January 1st to December 31st).
If you earn 1,000 to 5,999 miles, you'll be upgraded to Gold, and at 6,000 miles or more, you become an Onyx member.
Gold and Onyx perks compared
Here's a table comparing the 2 higher level programs available:
|Flights discount
|Up to 30%
|Up to 40%
|Merchandise discount
|Up to 10%
|Up to 20%
|Priority service
|Personal shopper service
Achieving gold and onyx status in the Air Miles program shouldn't really be your priority since the perks are pretty mediocre.
It could provide some nice benefits, especially if a 40% flight discount happened to line up with where you were planning to travel anyway, but that's not something you can count on.
Overall, the program just offers a few oddball perks for those who happen to meet the criteria of the program through their regular Air Miles earning activity.
What about you?
Do you participate in the Air Miles rewards program? How do you like it?
Do you change your spending habits in order to earn more? Or do you find you earn enough with your everyday spending?
Let us know in the comments below. We love hearing from you.
Disclosure: Some links in this article may be affiliate links. We're letting you know because it's the right thing to do. Here's a more detailed disclosure on how HTS makes money.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity.
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Excellent Information about air miles! thanks for sharing
Great analysis, many tks!
Here in Toronto, Metro grocery stores give an extra 25-50 air miles when you redeem $10 over a specified weekend. This happens every other month or so. Also, when I redeem that $10 for 95 air miles, I go out of my way to buy products on special. I also receive a weekly coupon summary from Metro listing other bonus air miles deals on specific goods. Those are a few tips enabling me to finesse over $100 in free food annually.


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Light but steady voter turnout at Fairfield primary polls
Polls opened at 6 a.m. today in Fairfield and across the state for voters registered with the Democratic and Republican parties to choose their respective standard-bearers for an open U.S. Senate seat in November. Voting continues until 8 p.m.
There also is a local contest for the Democratic nomination in the 132nd House of Representatives district.
Poll workers in Fairfield said voter turnout has been steady, though not tremendously high. By 11 a.m., Republican Registrar of Voters Roger Autuori said he still had some districts where fewer than 100 voters had cast ballots.
With primaries in both parties, the polling stations have separate check-ins for each party and their own moderators. Without enough electronic ballot scanners for each district to have two, Autuori said he made the decision to use wooden ballot boxes to collect the Republican votes, which will be later tallied by hand.
Seeking the Democratic Senate nomination is U.S. Rep. Chris Murphy, the endorsed candidate, who is being challenged by former Secretary of the State Susan Bysiewicz.
The endorsed Republican Senate candidate is Linda McMahon, former executive with World Wrestling Entertainment, who is taken on by former U.S. Rep. Christopher Shays.
In the Democrats' 132nd House primary, Sue Brand, a Board of Education member and endorsed candidate, is being challenged by Kevin Coyner, a newcomer to Farifield politics who works as a Greenwich firefighter.
Republican Jennifer Landgraf showed up at the polling station in the Fairfield Museum and History Center with sons William, 2 and a half, and 1-year-old Drew. "I'm just proud to have the opportunity I guess and I just care about the future of our state and country," she said.
Landgraf said she'd be a Democrat "if they can meet me in the middle of the financial stuff and foreign policy." She said she leans more Democratic on things like civil-rights issues. "It always comes down to what are your top priorities," Landgraf said. "The things that are most important to me are more aligned with the Republicans."
The number of registered Democrats in Fairfield eligible to vote in the primary is 9,836, while the number of voters registered with the GOP eligible to cast ballots in that primary is 10,333.
The town's 14,338 unaffiliated voters and the 199 voters registered with other political parties cannot vote in any of the primaries.
Voting will take place at the following Fairfield polls (the sites for Districts 4 and 10 have been moved from the usual location because of school renovations) for the U.S. Senate contests:
District 1. Senior Center gym, 100 Mona Terrace
District 2. St. Pius School all-purpose room, 834 Brookside Drive
District 3. Dwight School all-purpose room, 1600 Redding Road
District 4. Fairfield Woods Middle School cafeteria, 1115 Fairfield Woods Road
District 5. McKinley School gym, 60 Thompson St.
District 6. Fairfield Warde High School old gym, 755 Melville Ave.
District 7. North Stratfield School all-purpose room, 190 Putting Green Road
District 8. Holland Hill School all-purpose room, 200 Meadowcroft Road
District 9. Fairfield Ludlowe High School cafeteria, 785 Unquowa Road
District 10. Fairfield Museum and History Center meeting room, 370 Beach Road
The Democratic primary for the 132nd House nomination will be on the ballot for at least some of the voters in every local voting district, except District 7.
Voters are generally advised to vote at their usual polling station unless they have received a notice in the mail about a change.
Anyone with questions about where to vote, should call the Registrars of Voters Office at 203-256-3115 or check the link on the town's website, http://www.fairfieldct.org/voter.htm#polling

subset: commoncrawl


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text: Fashion lawyer Julian Blanchard, who has worked with some of the biggest Australian fashion brands like Billabong and One Teaspoon, as well as emerging trend-setters like Byron Bay clothing and surf label Afends, says there's a swathe of new boutique fashion lines entering the market. 'The industry has never been more dynamic and active at a grassroots level," says Mr Blanchard. 'Brands like Spell and the Gypsy Collective are doing great and are attracting a fierce loyal following and the attention of celebrities like Margot Robbie, Miley Cyrus and Delta Goodrem." 'The key for newcomers in the industry, as well as well-known brands, will be stitching things up right at the backend." Mr Blanchard has just released a book, Fashion Law: The Complete Guide, (RRP$49.50), a comprehensive guidebook to all the legal aspects of starting, operating, growing and selling a fashion brand in Australia. 'The book focusses on everything you are legally required to do in areas such as starting and growing a brand, trademarks, counterfeits, importing goods, international expansion, wholesale, concept stores, consumer protection laws, photoshoots, insurance, tax, funding and eventually exiting with cash in hand." 'It's written in conversational style English for a non-lawyer in the fashion industry to understand." 'The A to Z of everything you need to know in this industry is there – from someone starting out in fashion school who wants to start an apparel label through to an established brand with multi-country distribution looking at engaging celebs." Mr Blanchard shares seven critical points to consider when launching and growing a business in the fashion industry: Initial structuring: Things to consider are the risk and tax implications of operating as a sole trader or through a company or a trust. Trademarks: Registering a trademark gives the owner exclusive rights to use the mark on the class of goods (class 25 for apparel) and simplifies the enforcement process if someone tries to rip off the brand. Each country has its own trademark regulation. Counterfeits: There are two types of counterfeit issues – cheap imitation products, often manufactured in SE Asian countries, which can sometimes be stopped at the border by lodging a notice with customs; or legitimate traders who imitate a brand's designs rather than coming up with their own original work – if the imitation involves breach of copyright, or a registered design, then it should be dealt with initially by a 'cease and desist" letter. Labelling: Country of origin and care instructions are the mandatory laws regarding labelling. International expansion: There are several ways to tackle overseas markets – you can appoint a person in the foreign country as your sales agent; appoint someone as your distributor or set up your own operations in each country. Each comes with pros and cons. Funding: Once the business grows to a certain size, there are a few options to access capital and grow bigger – these include getting funds from a bank, from venture capitalists crowdfunding or an equity investment. Exit: You've grown a brand over a number of years and now you want to get a significant pay out – some options for the next step include sale to another founder, a management buy-out, trade sale or initial public offering. Mr Blanchard says he's seen many fashion businesses get into trouble and in many cases the issue could have been minimised or avoided altogether with the right legal advice before the trouble started. 'A stitch in time saves nine. I've seen designers accidently sail too close to the wind and somehow rip off someone else's design. They got pulled up for it and then needed to respond to a cease and desist," says Mr Blanchard. 'I've also seen employees steal confidential data and then you have to try to keep, or put back the genie in the bottle – it can turn messy pretty quickly," he says. 'Some things are unavoidable, but with the right advice it's not difficult to avoid or remediate these kinds of issues." To purchase a copy of Fashion Law: The Complete Guide, (RRP$49.50) visit www.blanchardlegal.com.au


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When we heard that tonight's full moon was predicted to be especially large and bright, Mr F and I jumped in the car and went on a full moon hike to Topanga State Park.
Poor Monte Carlo had to stay at home, because dogs aren't allowed in State Parks.
An astrologer Richard Nolle, called tonight's full moon a "supermoon," which he defined as a full moon that occurs within twelve hours of lunar perigee, or the point in the moon's non-circular monthly orbit when it swings closest to our planet.
On Saturday, the timing of the two events will be almost perfect: the moon will reach its perigee distance of 221,802 miles (356,955 kilometers) — the closest lunar perigee of 2012, in fact — at 11:34 p.m. Eastern Time, and it will fall in line with the sun (thereby becoming full) just one minute later.
I took over twenty photos of the moon rising over Eagle Rock. There were all taken without a tripod or any fancy attachments, and none of them have been photoshopped.
I've included about a dozen in a slide show. I think the two below are the best…
I'd love to know what you think.
Of course when you're out at the end of the day you see all the animals. The bunnies ran across too quickly, but I manged to get a half decent shot of Mama deer, and a Quail.
This is the first time I've ever posted two blogs on one day. I apologize but I had to share the beautiful moon with you.


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How to Play Your Best Poker All (Or Close To All) the Time
By Jared Tendler One area where poker differs significantly from other sports is the degree to which the competitors are evenly matched, especially among professionals.
By Jared Tendler
One area where poker differs significantly from other sports is the degree to which the competitors are evenly matched, especially among professionals.
Soccer teams compete with similar level teams determined by leagues; sprinters only race against those with high enough qualifying times; boxers are matched against fighters in their weight class and of a similar level.
That's generally not the case in poker where there is a heavy emphasis on seeking out competition that's significantly weaker.
The Problem with Easy Money
Sport thrives on close competition to keep spectators watching. Poker players, however, make their money by finding huge edges.
The problem is that if you're only looking for easy money, eventually that can harm your progress and the size of the edge you have in the game. Being challenged is a necessary component for both learning and "playing in the zone."
One of the most popular theories about the zone comes from Mihaly Csikszentmihalyi, a Hungarian psychology professor and the author of the book, Flow: The Psychology of Optimal Experience.
He defines being in the zone as a state of "flow" whereby a person is fully immersed in what they are doing.
In order to achieve this state of flow, a balance must be struck between the skill of the performer and the challenge of the task.
In other words, the performer needs to be sufficiently challenged and have enough skill in that task to meet the challenge.
The graphic below illustrates the relationship between skill and challenge:
As you can see, the size of the challenge and the amount of skill you have aren't important separately; it's the relationship between the two that determines your ability to reach the zone.
When your skills are low and the challenge is low, or when the challenge is high and your skills are also high, you can perform in the zone.
However, if you're a massive underdog, you'll be overwhelmed by the challenge and according to Csikszentmihalyi, you'll experience anxiety, not flow. Conversely, if you expect to easily crush a weak opponent, you'll get bored by a challenge that's too low and fall out of the zone.
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Boredom Takes You Out of Poker Zone
Boredom typically sets in when you stop feeling challenged and there's nothing new or interesting to learn. Like a computer that hasn't been used recently, your mind is left idling just waiting to be activated.
Boredom is the result of a perceived lack of challenge. When just showing up is enough to have an edge, it's easy to slip into your B- or C-game.
It makes sense that poker could start to feel like a monotonous grind—you're dealt the same hands all the time. By now, you've been dealt AK suited enough to consider it standard and potentially boring.
However, the players who remain passionate and motivated about seeing the nuances and unique details of how to play each hand are never bored.
They see physical tells, timing tells, metagame, combinatorics, balancing ranges, G-bucks, prior action, table image, and many other small details that most players don't consider.
The dynamics in poker are varied and constantly changing, so while the same hand can be dealt over and over each hand will play out in a unique way.
There are always new areas in which to develop an edge; the game is always evolving and there is always more to learn.
Related Reading:
How to Play Your Poker A-Game Most Often
One of the most common requests I get from new clients turns out to be impossible to achieve. Wanting to play your A-game all the time might sound like a simple request, but it's not.
Trying to playing your A-game all the time seems simple in theory when you look only at your current A-game. You know what it's like to play your best. You win more money, feel better about your game, leave the table happy, and a host of other great things attached to playing great poker.
It makes sense why you'd want that to happen it all the time. The only problem is that wanting or wishing it were true is the poker equivalent to believing in Santa Claus.
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Your Poker "Best" is a Moving Target
The reason it's impossible to always be at your best is because your best is a moving target, which is constantly rising higher. When your game improves it means that your peak has risen higher than before.
In other words your current A-game becomes your B-game and you've gained a newly minted A-game. It shouldn't take much to realize this has already happened to your game.
Think back to what your A-game was like a year ago and compare it to your A-game now. Heck, go back far enough, and your current C-game today is better than your A-game was back then.
(By the way, if you're a serious player and this isn't happening, follow the steps in the next section.)
Your poker game isn't static. It's constantly improving, although often in ways that are so subtle they're hard to see. As soon as you've played at your best, a new standard has been set.
The first time you play well it's often hard to describe why you played so well. If you can't explain why you played so well, it's going to be pretty hard to do it again.
Funny enough, once you can explain why you played so well you're able to play even better and a new A-game is created.
Related Reading:
Playing Your A-Game Consistently
While it's impossible to always play your A-game you can play that way consistently if you put the work in. Most poker players aren't willing to take the extra steps and instead are happy to dream of what it would be like to consistently play that well.
Here are a few tips how to get your A-game show up more often:
1. Eliminate Your C-game Your number one goal every single time you play is to make sure your C-game does not show up. Every time you make a really obvious mistake, no matter what the reason, you actually reinforce poor play. You simultaneously fail to correct the mistake and get better at making it. That means it's more likely to show-up again and your A-game is now less likely to show-up. Instead, by consistently eliminating your C-game, you make it easier and easier to play your A-game.
2. Eliminate Your Mental C-game. The mental side of the major poker mistakes you make have to be eliminated to correct your tactical C-game. Mental game issues like tilt, anxiety, boredom, being distracted, unmotivated, and losing confidence often lead to poor play. If you want to be at your peak consistently, these big issues have to be eliminated.
3. Assess Your Range. Write out the full range in your game, from A-game to C-game. Start by listing out all the mistakes you make now, when playing at your absolute worst. Then, list the mistakes that are progressively less bad until you reach your current A-game.
4. Quick Recovery. Playing your A-game consistently requires that you recover it quickly after slipping into your B or C-game. Having your range clearly listed out, makes it easier to recognize when your game has slipped and thus easier to recover your A-game quickly while playing.
5. Be Prepared. Consistently playing at a high level doesn't happen easily. All great poker players and great athletes show up prepared to play at a high level. If you don't have a warm-up routine, a simple way to get started is to review hands connected with all parts of your game (A to C-game). That way, you know specifically how to play at a high level and improve your B or C-game when it shows-up.
6. Track Your Progress. A good way of tracking your progress is by keeping a journal where you regularly assess the quality of your play after a session or tournament. This not only increases your skill of recognizing when you slip into B or C-game, it's also a great way to focus you more and more on what's necessary to play quality poker and you automatically become less results-oriented.
It may seem strange to focus mainly on eliminating B and C-game as a way to play your A-game more often. However, if you think about, you'll automatically play your A-game more often if the rest of your game doesn't show-up. The more consistently you play your A-game the easier it is to take your game to an even higher peak.
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Related Poker Strategy Articles
- How to Fix Poker Mistakes
- How to Stop Making Compound Poker Mistakes
- How to Fix Poker Tilt
- How to Mentally Prepare for the World Series of Poker
Jared Tendler, MS, is a mental game coach for over 200 poker players and author of "The Mental Game of Poker." A free audiobook version of his book is currently being offered by Amazon.
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Ha! You had me at poker being a sport.
Listen to all you sore loser amateurs sayiin "poker is a game of luck" Its much more than that, itsa mental game that combines many elements that include skill, patience, reading ability, self control, instinct and of course luck. Im no pro but i still know i have a lot to learn and articles like this can be helpful.
and don't get me started on heads up, it is just a luckfest period. EG You have a great player who can read, makes fancy plays and only gets it in with probable winning cards, vs an average player who akes bad plays but generally won't stack off light. Well that bad player will make his bad calls and plays and still win a good % of the time ,the great player will make great reads and fancy plays and still lose a good % of the time. It all boils down t luck in the end. As much as these guys want to believe they are geniuses, with out luck they would be nobodies.
you cant ever work out what an opponent will do next. Experts will make moves to fool people trying to read, begginers will just make random moves because that's what they feel like doing, they will call when you didn't think ,they will go all in with random hands, you can't figure people out ,end of. The best thing you can do is play a solid game based on your cards and your observations of the immediate plays at the table.
yes laying in the luck zone it's called, when all your cards fall just right and your reads and moves are rewarded rather than punished by the river.
Same old nonsense. Poker ( no limit texas holdem ) is a game of luck and no matter how many books, pseudo psychological claptrap these people spew out , the lucky players will still keep winning.
The absolute key to taking advantage of your opponents - you stop learning and you start losing!
this isnt just for poker but life...
Zone of proximal development
absolute right...I have read this 3 months ago and always trying to seek new understanding,,thank you
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Network Marketing is probably one of the easiest business opportunities that an entrepreneur can get into and become successful in with two – five years of hard work. One of the most important things in building any Network Marketing Opportunity is sponsoring new representatives into your business. Continue reading to find out how to sponsor more reps into your network marketing opportunity than you have time by following the following steps:
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Saturday, 14 July 2012
Malmir Enjoys The View
"Sshh!" Malmir hissed through his teeth, his hands making sharp, aggressive motions for the others to 'get down'. Kirsten had only been a second through the door when the elf had heard the gruff voices of the men beyond the wooden frame. Slowly, so not to create a sound, he nocked an arrow and twisted the bow horizontally. In this position he could easily transverse the entrance with the bow string still taught, ready to let loose an arrow at one of the vagabonds within, dare they move a muscle against his female companion. He wasn't sure, but he hadn't heard the sound of blades being slide from scabbards or crossbows (clearly a favoured weapon down here) being cocked.
These men, most likely unskilled brutes, were presumably guards. Hopefully, they'd be lazy with drink or food. From his position, he could see little but Kirsten's slattern-like buttocks wiggling pleasantly. She's done that before, Malmir thought, and in a less vulnerable moment such thoughts would be promising ones indeed. The elf allowed himself a nervous smile as he waited in the darkness. After all, there were worse things to see before a violent demise.
Labels: OC_Chapter2, OC_Malmir
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May calendars have been published!
Please note the following class cancellations and changes in May:
Mandarin Standard Class is cancelled from May 8 to May 31, the instructors are out of town.
Ballroom Stretch Class is cancelled from May 23 to May 31, the instructor is away.
On May 4, Standard Competitors Only Training Class and Sarah's Standard Technique Class are cancelled.
On May 5, Gold Latin and Latin Tech Class are cancelled.
On May 6, Standard Competitors Only Training Class, Gold Standard, Gold Star Standard, and Gold Star Latin are cancelled.
On May 12, Silver Standard, Gold Standard, Gold Star Standard, Beginner, Gold Latin, and Latin Tech Class are cancelled. We have our Open House that day, please come and invite your friends!
On May 13, Gold Standard and Gold Star Standard are cancelled.
On May 26, Standard and Latin Competitor's Practice and Evening Dance are cancelled. Our Anniversary Dinner Dance is that day.
Please note that we have a new class, Ballroom Stretch Class on Wednesday mornings.
We apologize for any inconvenience and happy dancing!


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Estradiol, produced from testosterone, is the most active form of endogenous estrogens and the one produced most predominantly by a woman's ovaries before menopause. Estradiol levels fall after menopause and after hysterectomy when the ovaries are removed.
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Transforming Travel For Staff & Students at Universities and Colleges
As universities feel increased pressure to reduce their car parking and measure their Scope 3 emissions, and students are demanding greener campuses, a comprehensive and effective travel plan is becoming a vital tool in encouraging more sustainable travel behaviour.
Travel planning within the FE & HE sector
Research from the British Parking Association* suggests that there are currently around 10 people to every parking space across the university sector.
Parking pressure creates staff and student frustration and dissatisfaction.
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Councils regularly demand commitments to sustainable travel before planning permission for development is granted.
Reporting of Scope 3 emissions is becoming expected.
*The size and shape of parking in higher & further education facilities; British Parking Association and Valued Research – July 2014
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Go Travel Solutions conducted a review of the University's Travel Plan including a University-wide staff and student survey, carbon calculations, GIS mapping of postcode data for bus, walk and cycle routes and advice on data capture.
The review revealed:
The Travel Survey highlighted the potential for greater use of sustainable travel by staff and students with over 100 staff, who are existing single car drivers, expressing a willingness to travel more sustainably to work.
"We used Go Travel Solutions to carry out a thorough staff and student travel survey to inform the next phase of our travel plan. We threw everything at them – tough timescales, last minute meetings, a hard to reach audience, tight budget and a demanding brief – and they delivered everything we needed and more.
We are never disappointed when working with Go Travel Solutions and would recommend them to anyone who needs to leave their project in capable hands whilst they go and fight fires elsewhere. You'll get more than you bargained for (in a good way!)."Dr Sandra Lee, Acting Environment Officer, University of Leicester, January 2016.
- Education_Leaflet_-_web.pdf (1824 Downloads)


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Hello everyone,
I am currently on an internship in a company, which gave me the goal of updating the IT manager.
Version on production server:
- Windows server 2003 + xampp
Test server:
- Windows server 2012 + xampp
I am at the phase where I would like to export all GLPI data. (BDD + file "glpi" saved).
I realized a dump of the base of GLPI, via the maintenance tab but also directly via PhpMyAdmin.
I exported the GLPI 0.87 database to my test server in a test database.
After comparing the 0.87 database dump and a 9.1.3 database dump, I realize that there is a big difference, whether it's the tables, or the data types.
My company wants to go on a new server (2003 -> 2012) and therefore not to perform the update on the production server.
My question is what methodology to use to implement GLPI 9.1.3 with all GLPI 0.87 data?
Should we go through an earlier version to get to version 9.1.3?
Is there a plugin to have a compatible database?
Should you install a GLPI 0.87 server, import the database, and then update to version 9.1.3 or earlier?
I am open to any idea, I am not an expert GLPI smile
Thank you for taking the time to read me and answer me if you have the quick fix!
Good day https://showbox.bio/ https://mobdro.bio/ https://vidmate.vet/
Last edited by ShaunJ (2018-11-22 17:44:48)
First 0.87 doesn't exist.
In your test server you must install the same version as your production for the database.
You create a glpi directory where you put new version 9.1.3
You let GLPI do its migration.
Be careful: if you used data of production, deactivate all notification and automatic actions to avoid your users received notifications about your test environment
CentOS 6.5 - CentOS 7
PHP 5.6 - PHP 7 - MySQL 5.6 + APC + oOPcache
GLPI from 0.72 to dev version
Certifiée ITIL (ITV2F, ITILF, ITILOSA)
Pages: 1


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Gluten Free Liver & Onions
1¼ lb calves liver (be sure to use calves or veal liver, not mature beef liver), thinly sliced
½ to 1 cup of rice flour, seasoned with
Salt, pepper, paprika, dry mustard to taste
2 teaspoons coconut oil
2 yellow onions, sliced thin
1 Dredge the calves liver in seasoned flour. Set aside.
2 Heat a large cast iron skillet on medium high heat. Add a teaspoon of butter. Sauté the onions until translucent, a couple of minutes. Remove onions from pan with a slotted spoon. Set aside onto a serving dish.
3 Add a couple teaspoons of coconut oil to the skillet. Add the calves liver slices, working in batches. Fry until browned on both sides.
On Joining the Infantry
Infantrymen have a pride and arrogance that most Americans don't understand and don't like. Even soldiers who aren't infantrymen don't understand. The pride doesn't exist because we have a job that's physically impressive. It certainly doesn't exist because it takes a higher level of intelligence to perform our duties. It's sad and I hate to admit it, but any college student or high school grad can physically do what we do. It's not THAT demanding and doesn't take a physical anomaly. Nobody will ever be able to compare us to professional athletes or fitness models. And it doesn't take a very high IQ to read off serial numbers, pack bags according to a packing list, or know that incoming bullets have the right of way.
The pride of the infantryman comes not from knowing that he's doing a job that others can't, but that he's doing a job that others simply won't. Many infantrymen haven't seen a lot of combat. While that may sound ideal to the civilian or non-infantry soldier, it pains the grunt. We signed up to spit in the face of danger. To walk the line between life and death and live to do it again – or not. To come to terms with our own mortality and let others try to take our life instead of yours. We have raised our hands and said, "Take me, America. I am willing to kill for you. I am willing to sacrifice my limbs for you. I will come back to America scarred and disfigured for you. I will be the first to die for you." [Most of you will hate me anyway.]
That's why the infantryman carries himself with pride and arrogance. He's aware that America has lost respect for him. To many he's a bloodthirsty animal. To others he's too uneducated and stupid to get a regular job or go to college. Only he knows the truth. While there are few in America who claim to have respect for him, the infantryman returns from war with less fanfare than a first down in a high school football game. Yes, people hang up their "Support Our Troops" ribbons and on occasion thank us for our service. But in their eyes the infantryman can detect pity and shame; not respect. Consider this: How excited would you be to meet the average infantryman? Now compare that with how excited you'd be to meet a famous actor or professional sports player and you will find that you, too, are guilty of placing the wrong people on a pedestal. You wouldn't be able to tell me how many soldiers died in the war last month, but you'd damn sure be able to tell me if one of the actors from Twilight died.
Yet the infantryman doesn't complain about that. He continues to do his job; to volunteer his life for you, all while being paid less in four years than Tom Brady makes in one game.
It's a job most Americans don't understand, don't envy, and don't respect. That is why we have pride for the infantry.
On 04 JAN 02, I left the Tampa, FL Military Entrance & Processing Station for Fort Benning, GA in a 15-pack van with 11 other future soldiers. We were headed for the 30th AG Reception Station before being pushed on to the Infantry Training Brigade (ITB). Georgia had received an ice storm on the 3rd and we ended up having to spend another night in the hotel in Tampa before making the drive. It took about 10 hours to make the drive and we arrived after midnight.
Upon arrival, we could see four men in uniform, wearing BDUs and brown Smokey the Bear hats. Under the arc sodium lights outside the building, all we could see is their jaw lines. It was quiet and cold. We got our bags out of the van and once we turned around, the shark attack began. In a tone loud enough to wake the dead in another state and with words that would make your mother blush, we were rushed inside to dump all of our belongings on a table. Our personal effects were searched for contraband. The next thing that we were instructed to do was to shave our [expletive x4] faces. We got our first hair cut shortly thereafter. Fuzzy cue ball is not my favorite coif for cold weather.
30th AG is where you get your Army identity. It's where your pay check, medical benefits, insurance, and training starts. It was a whirlwind. Let's skip forward a week. We marched to our basic training company, C Co 2-19th Infantry, "Rock of Chickamaugua". Our duffle bags road on a truck. Drill Sergeants can be evil bastards. This was where we first experienced unrealistic time hacks to accomplish a task and then swiftly and severely punished when we failed to meet it. The duffle bags were thrown into a haphazard pile behind the trucks. Now, you have less than a minute to find two with your name on them. It's like trying to find a pair of needles in a stack of needles while the timer on a bomb counts down. You get it now?
I am not going to recount all of basic training. Either you've been there and done that or you haven't. If you haven't gone yet, I don't want to ruin the fun. I will make a short list of things that I will never forget:
- 1. The Obstacle Course- You and your Battle Buddy charging through the mud and water, exhausted, but feeling completely alive.
- 2. Eagle Tower- Repelling from the top of a tall ass tower. It was pretty awesome and rather terrifying at the same time.
- 3. THE BAYONET- A 25 mile foot march, broken up with squad/platoon attacks missions along the way (one of them involving climbing a clay cliff face to attack a dug in position). It ended with use climbing up Honor Hill, the pathway going up and the top of the hill lit with torches. The hand you a pint of grog before pinning your crossed rifles on the chest.
- 4. The Steak Breakfast the next morning.
- 5. Graduation Day- Standing on that field with your fellow baby grunts, ready to make your way to Airborne School or to your first Duty Station. You can feel the change in you. You stand taller, you are mentally and physically stronger. It was a proud day.
I am going to start writing about my journey in an effort to help someone prepare for what they are about to face. Things have changed in the last 12 years, but a lot of things haven't. I hope you learn from these lessons, DR. If you're willing…
To be continued…
Rum Soaked Chicken
My chicken was hot and rum soaked. I can't decide if I want to call it Pirate Chicken or me. 😉
Okay, the original recipe calls for marinating the breasts overnight or slapping them on the grill. Me, being ever impatient, placed them in a vaccum seal bag, pressed the marinade into the chicken for about 4 hours, and then baked them in the bag. It comes handy if you buy the vaccum bags that you can put in the oven. It owrked out for me.
1/2 cup brown sugar
1/2 cup lime juice
1/3 cup soy sauce
1/3 cup CPT Morgan Private Stock
1/2 cup water
1/4 tsp cayenne pepper
6 chicken breasts
The original cooking instructions from Food.com had this to say:
To Bake: Spray a 9 X 13 glass cooking dish with olive oil cooking spray coating it entirely.
Combine all ingredients in a glass baking dish, cover and marinate overnite.
Bake in the same dish, covered @ 375 for 45 minutes, stir. Cover and continue baking for another 45 minutes. Stir and continue baking for additional 10 minutes, uncovered.
Serve over Jasmine rice.
BBQ: Spray a 9 X 13 glass cooking dish with olive oil cooking spray coating it entirely.
Combine all ingredients in a glass baking dish, cover and marinate overnite
Spray BBQ grill with olive oil cooking spray and grill chicken for 5 minutes on each side, until chicken is no longer pink & juices run clear. Be sure to baste continuously with Caribbean marinade. Enjoy!
I followed the Bake instructions, minus the 24 hours of marinating time. Vacuum sealing removes the long wait time. Love it.
As a side, I made green beans and Rosemary-Garlic Red Potatoes:
USAA Offers No-Interest Loan to Military Members if Government Delays Pay
Amid uncertainty about federal government funding, USAA is ready to offer a zero-interest payroll advance loan and other temporary solutions to affected members whose paychecks could be impacted.
Solutions From USAA
|Potential Payroll Advance Loan
In the event of a government shutdown that threatens military pay, USAA is prepared to offer a zero-interest payroll advance loan to members of the military with existing direct deposit at USAA, including the National Guard and Reserves.1 The loan would be approximately equal to your expected direct deposit, or half of your expected direct deposit if you are paid monthly.
Other Options
USAA has a number of solutions to help members who receive a government paycheck and find themselves in financial distress because of sequestration.
These temporary solutions are available for affected members' existing products and include:
For those who are adversely impacted by sequestration, we encourage them to contact us so that we can identify solutions that help meet their particular need. Members should contact us for free financial advice at 800-531-USAA (8722).
USAA is prepared to offer the payroll advance loan to affected military members with existing direct deposit at USAA Bank if a government shutdown interrupts military pay. Likewise, members who have existing direct deposit arrangements at USAA Bank for their VA and Social Security checks would be eligible for the loan if their payments were interrupted due to a debt ceiling impasse.
If a loan offer becomes necessary, USAA will email those members and provide information in the "My Offers" section of usaa.com. We will also offer other solutions, including special payment arrangements to help USAA members who receive government payments and find themselves in financial distress because of a shutdown.
"We all hope that policymakers will reach a deal before military pay is threatened," says David Bohne, president of USAA Bank. "But we stand ready to help our members who would be impacted if that happens."
Federal Spending Deadlines
The government's authority to spend money will expire Sept. 30. Without a spending agreement before Oct. 1, the government would largely shut down. Without a solution, a shutdown could threaten federal paychecks on Oct. 15.
A second deadline involves the federal debt ceiling, which is the total amount of money the federal government is authorized to borrow. The government could reach that ceiling as early as Oct. 17, and, as a result, federal payments after that date could be disrupted.
What Can You Do?
It's difficult to predict if the country's spending and borrowing issues will be resolved without triggering a shutdown or other consequences for everyday Americans. Given the potential impact if things don't go smoothly, it's smart to prepare for a worst-case scenario.
If you're a federal employee or otherwise depend on government outlays to make ends meet, check these 5 Tips to Prepare for a Government Shutdown.
Must have current direct deposit of government payments with USAA Bank and at least two consecutive direct deposits in the past 60 days. Loan amount is based upon two weeks of normal direct deposit, and loan maximum is $6,000. Must be in good standing with USAA. The loan amount deposited into USAA account will be automatically debited at the next scheduled direct deposit. Loan will not be funded if government payment is not interrupted.
2 Interest continues to accrue during any deferment periods.


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The Scientific World Journal
Volume 2014, Article ID 561539, 7 pages
Research Article
A Statistical Approach to Optimizing Concrete Mixture Design
Civil and Environmental Engineering Department, King Fahd University of Petroleum and Minerals, Dhahran 31261, Saudi Arabia
Received 19 November 2013; Accepted 24 December 2013; Published 9 February 2014
Academic Editors: H. Cui, İ. B. Topçu, and H. Wang
Copyright © 2014 Shamsad Ahmad and Saeid A. Alghamdi. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
How to Cite this Article
Shamsad Ahmad and Saeid A. Alghamdi, "A Statistical Approach to Optimizing Concrete Mixture Design," The Scientific World Journal, vol. 2014, Article ID 561539, 7 pages, 2014. https://doi.org/10.1155/2014/561539.


text:
Back to News
Pay On-Line with Credit Card NOW AVAILABLE!!
If you receive your bills via e-mail, then just follow the links. If not go to the home page and click "Pay Bill Online" at the top right hand corner.
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text:
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Beauty is layered. It's body and mind, mind and body, working harmoniously.
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Showing items 1-5 of 5.


text:
British fugitive kills himself in dramatic armed siege
One of Britain's biggest-ever manhunts ended in dramatic scenes today with fugitive gunman 37-year-old Raoul Moat shooting himself dead to end a tense armed stand-off with police.world Updated: Jul 10, 2010 10:50 IST
One of Britain's biggest-ever manhunts ended in dramatic scenes on Saturday with fugitive gunman Raoul Moat shooting himself dead to end a tense armed stand-off with police.
After gradually closing the net on Moat, who had been on the run for a week after a deadly shooting rampage, armed police surrounded him in the country village at the very epicentre of the massive manhunt.
They cornered the 37-year-old bouncer by a riverbank late on Friday and negotiated for six hours into the rainy night when the wanted man killed himself.
A source close to the investigation confirmed to AFP that Moat was dead.
In a search that brought in police officers from across the kingdom, Moat was finally captured in Rothbury, north of Newcastle in northeast England.
He was wanted for shooting dead his ex-girlfriend's new partner, and seriously injuring her plus a policeman in the Newcastle area shortly after being released from prison.
In letters left for detectives he claimed to be a "killer and a maniac", declared "war" on the police and said in a letter to them he would not stop killing "till I'm dead". Police said they found the father-of-three in Rothbury at around 7:00 pm (1800 GMT) Friday.
"Raoul Thomas Moat was discovered by police in the vicinity of the riverbank and he was armed," Northumbria Police said in a statement.
"Expert negotiators were brought in to speak to him and spoke to him extensively for several hours.
"At around 1:15 am (0015 GMT), from information available at the moment, it appears the suspect shot himself. No shots were fired by police officers.
"No officers have been injured."
He rushed by ambulance to Newcastle General Hospital. Moat was seen being carried in on a stretcher, with a blanket covering his head.
Detectives arrested two people accused of helping him, found three of his mobile phones and released photographs of camping equipment including a tent and sleeping bag which he and accomplices are thought to have used.
They said they had "recovered valuable information".
Armed police had imposed a lockdown around Rothbury for days and within hours threw an exclusion zone around part of the village as the siege began, with those stuck inside ordered to stay inside their homes.
The case was dominating domestic television news channels and Britain's tabloid newspapers.
BBC television showed a grainy, night-vision footage of the moment the stand-off ended, which featured shouting and dogs barking in the downpour.
Saturday's newspapers were filled with headlines about the siege.
"Got Him", said The Sun and the Daily Express'sfront pages.
The search for Moat brought in officers from 15 forces, including specialist snipers, and armoured all-terrain cars from Northern Ireland. A Royal Air Force plane with imaging equipment also joined the search.
Moat had been serving an 18-week sentence for assault.
It is the second gun rampage in quick succession in England's most northerly counties. On June 2, taxi driver Derrick Bird killed 12 people before turning the gun on himself in Cumberland in a shooting spree that shocked the quiet, rural area.
First Published: Jul 10, 2010 09:14 IST


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Just me!
Yep, this is me - a subject I don't really like talking about that much to be honest.
But a subject I can ramble on about all day is my childhood sweetheart: the accomplished winner of the "I'll-just-let-him-do-it-then-tell-him-I-told-you-so-later" award since 1987. Let me introduce you to Rak:
(apart from my wife) Reasons To Be Cheerful? 1, 2, 3..
I've learnt to listen more than I speak, which actually wasn't the case (at all) in my teens. Personally, I blame my three active "smart-but-how'd-they-know-that?" kids for shutting me up.. and yes, I've loved "learnt to embrace" time management. And thank goodness they did..
If you're a parent too, you'll know all too well that young ones love exploring the world and, well, letting us know all about theirs is a delight only we can really behold. By the way, mine are (currently) 8, 8 & 12. You've guessed right, I have boy / girl twins.
Here's my sweet little smilers. I'm biased (obviously), but I'm lucky to share a life with such beautiful souls :)
Unemployable! Seriously..
Yes, I've tried applying for the Patrick Swayze lookalike award (my era..) but alas, my grey hairs are a dead giveaway. Between leaving education at 17 and forming DWM, I spent invested 20 years finding out what worked, what worked well, what sucked and what defines who I am.
Let me explain those 4 "insights":
What Worked:
Toeing the line, ignoring office politics, following orders even when I thought they were garbage, paying the mortgage (to keep a roof over my head), working damn hard (to keep my job) and a false belief (in hindsight) that I was really valued by my employers.
What Worked Well:
Developing an opportunity mindset, training myself to look further than the end of my nose, falling in love with the power of words, reading every damn self-development and starting-your-own-business book I could get my hands on, questioning everything and praying that, one day, I'd eventually work for myself.
What Sucked:
Knowing my hard work often promoted staff to superiors (who weren't "superior"), desperately wanting to implement smart ideas and systems only to be told "Tony, don't rock the boat.." and fighting battling an internal belief system that was built on fear having been told repeatedly that I'm a failure.
What Defines Who I Am (still a work in progress - do we ever really find out?):
Despite my negative undertones above regarding my employed years, I've realised that EVERY SINGLE EXPERIENCE has helped shape my character and refine (continually) my life purpose.
The cards I've been dealt with have provided little gems of insight, that when understood and internalised, helped sharpen my axe and hone my levels of conviction, tenacity, determination, compassion and humility. One of my favourite quotes sums this all up perfectly: "Iron doesn't become steel until it's been through the furnace". Indeed..
Frustration Gives Way to Passion (and a sh!t load of risk)
What the hell was I thinking? I turned down a cushy role (with a damn good salary) that I'd been offered by a reputable company selling IT solutions, to start my "dream". I can't express the fear, uncertainty and dread I felt when I first stepped into my new office facility in September 2008 - well, a converted tool shed in my outhouse at home.
Here's me at DimmockPlex all those years ago, with my trademark goatee, an old and dusty curtain covering my shed window and a telephone. Well, I am in business for myself now, right? Let me at 'em..
More about what I've learnt during my 7 few years of running a business can be explored here (though not for the faint of heart, that's for sure).
Fast forward to February 2012 (wow, 3 years ago?) when I decided, due to space limitations and noisy-kids-coming-home-from-school syndrome, to finally (thank goodness) move office to where we are now, a proper office "facility". Thankfully, just a 10 minute drive from home.
Oh, here's what I took with me from my tool shed when I moved offices. Spot the tool bag?
Humble beginnings, huh? For those of you who've just started (or about to start) your own internet marketing or SEO business, we're on the same page my friend. But take it from me: your first few years will be the toughest challenge you've ever faced; personally, professionally and mentally. If you didn't know that before, you do now! #PayItForward
The one million dollar question you might be asking is "Is it worth it?" I really can't stress this enough.. YES!
Does this mean that my company or I have arrived? Hell no, we're still babes in the wood and I'm both humbled and amazed at what there's still to learn from life. So what does it mean? It means that if I can do it, so can you!
Business Challenges, Inspiration & Passion (a few interviews I've done)
An interview with Moosa Hemani where I talk business lessons learnt, pre-qualifying clients and who's inspired me.
An interview with North Herts College where I give tips and advice on following your passion and overcoming challenges.
A Q&A style interview with Krystian Szastok on "How to Start Your Own SEO Business" (a view from the trenches..)
Another Q&A with The Meld (via Rob Duckers) on "7 Digital Entrepreneurs Talk Business - Our Approach"
I'm also an active member of the MOZ community - see my member profile and stay updated on my comments and posts.


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University of Kent
Tower Pictures have completed an 11 minute DVD for the University of Kent School of Arts entitled 'Gateway to: Celebratory Event Design'
Packed with interviews with artists and exciting footage of real events, this DVD is an introduction to the oportunities available in Celebratory and Outdoor Arts and other Creative Events. The film can also be seen on the University of Kent website here
"Tower Pictures were a pleasure to work with and produced a creative film on time and on budget, I would highly recommend them"
Gavin CarverUniversity of Kent
Helen James Productions Ltd
"Pete did a fantastic job filming the DVD special behind the scenes features on Spooks 9. Quality material, filmed under pressure and he never interfered with the principal photography. Pete's a born problem-solver, always delivers and it's a joy working with such a professional."
Helen James
Helen JamesHelen James Productions Ltd
Antenatal Online Ltd
We have produced a series of 20 films for Antenatal Online, a website providing antenatal courses for parents-to-be to download and watch at their convenience.
'I can't recommend Tower Pictures highly enough. Pete is absolutely brilliant, a complete professional, passionate about what he does and in our case went further than the extra mile to make sure we got an outstanding product. I really believe that Pete and his team have given our business a much greater chance of success than it would have had if we had gone elsewhere'
Louise Morrison Director, Antenatal Online Ltd
The Consumer Show
When 'The Consumer Show' airing on Irish Broadcaster RTE wanted to shoot in the UK, they contacted us to provide the crewing.
"I just want to say thank you very much for your work on last Saturday's shoot, both Joe and Yvonne were full of praise for your professionalism, camera skill and pleasant manner. I will happily recommend you if I come across any productions looking for a cameraman in the greater London area."
Aileen HeaveyProduction Manager, The Consumer Show
Sorted Magazine
'Tower Pictures did an amazing job for us. I knew by reputation they were good, but the final results exceeded my expectations. I have recommended them to many colleagues.'
Steve LeggSorted Magazine
Tunbridge Wells Courier
Peter Lloyd-Williams of Tower Pictures was happy to chat to the Tunbridge Wells Courier regarding the use of Kent as a film location. Being based in the South East we have access to so much amazing scenery and can provide great shoot locations.
Tunbridge Wells Courier
Odyl Design
"I have worked in television for 14 years and chose Tower pictures to produce my video pitch to BBC"Dragons Den"- I wanted a professional, highly skilled and friendly company to deal with and that's exactly what I got!
My film was so good that the producers from the BBC kept showing my film in their promos for pitches on national television- something I hadn't bargained for but I think shows how good Tower pictures really are!
Excellent camera work, great editing and a fast turnaround just showed you're second to none.
Thank you so much and I look forward to working with you again."
Gemma HumphreysDirector Odyl Design


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The details
This is the last post on our wedding, I promise 🙂
Sam's cousin-in-law made this blackboard and then his cousin Verity did the beautiful writing for us.Table flowers were done by my lovely cousin Danielle and friend Abi. They did such a great job! Table runners made by Sam's Mum and sister out of left over bridesmaid dress material 🙂
We made these cootie catchers with questions about me and Sam inside. Our flower garland, archway, my hair comb and our bouquets were done by Charmed flowers. I LOVED the flowers, especially my hair comb!Gorgeous catering by Miss Lilly's Catering! The presentation of the food was so beautiful.Stunning cake made by my Gran with flowers grown by my Pop 🙂 Cake topper made by my sister.
I actually bought this teepee before we got engaged :O :O I just saw it and thought it would be really cute to have at our wedding.We had a polaroid and guest book for people to sign. I am really glad we have this, it's so cool to read people's messages and see all the lovely photos. I felt so blessed looking through and seeing how many awesome family and friends we have!
Well.. that's it for the wedding photos! No doubt I'll post the odd photo or two on our anniversaries though 🙂
Photos by Mandy Caldwell.


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Tuesday, March 21, 2006
Hippy Pizza
Aussie blogger Tex, of Whacking Day is discussing pizza. My mouth watered reading the post, however this comment stood out:
Why are pizzas better than hippies?
Largely because they smell better. And no self-respecting pizza will be seen dead in a Che Guevara T-shirt.
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