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An onlay restoration is a custom made filling made of composite material, gold, or tooth-colored porcelain. Porcelain onlays are popular because they resemble your natural tooth. An onlay is sometimes also referred to as a partial crown. Porcelain onlays are made by a professional dental laboratory and is permanently cemented onto the tooth by your dentist.
Onlays can be utilized to conservatively repair teeth that have large defective fillings or have been damaged by decay or trauma. Onlays are an ideal alternative to crowns (caps) because less tooth structure is removed in the preparation of onlays. Onlays are essentially identical to inlays with the exception that one or more of the chewing cusps have also been affected and need to be included in the restoration.
As with most dental restorations, onlays are not always permanent and may someday require replacement. They are highly durable and will last many years, giving you a beautiful long lasting smile.
Reasons for onlay restorations:
What does getting an onlay involve?
An onlay procedure usually requires two appointments. Your first appointment will include taking several highly accurate impressions (molds) that will be used to create your custom onlay and a temporary restoration.
While the tooth is numb, the dentist will remove any decay and/or old filling materials. The space will then be thoroughly cleaned and carefully prepared, shaping the surface to properly fit an onlay restoration. A temporary filling will be applied to protect the tooth while your onlay is made by a dental laboratory.
At your second appointment, your new onlay will be carefully and precisely cemented into place. A few adjustments may be necessary to ensure a proper fit and that your bite is comfortable.
You will receive care instruction at the conclusion of your treatment. Good oral hygiene practices, a proper diet, and regular dental visits will aid in the life of your new onlay.
One of the best dentists I've ever had. Very caring, listens to you and goes out of his way to ensure you are comfortable. The whole office is like that.
Chuck T.
It took me over 50 years to finally find the right dentist. Dr. Greco, Megan and Kym are such a professional excellent dentistry team. He is the dentist you have always wished you had. Not only pain free but his chair side manner is excellent and he loves to explain his procedures in detail ahead of time.
Laura D.


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PITTSBURGH (93-7 THE FAN) — ROOT Sports high school football coordinating producer Craig McConnell joined 93-7 The Fan's John Phillips Saturday morning, as he does every week, to discuss WPIAL football, and this week he breaks down Upper St. Clair's big win over Mount Lebanon.
Regarding that Quad-A contest, which was both seen on ROOT Sports and heard on The Fan, Craig explains why he isn't surprised USC won decisively, and what has impressed him the most about the 2011 Panthers.
In addition, Craig talks about how far Upper St. Clair can go, and which dark-horse teams in the other three WPIAL classifications he's keeping an eye on as the postseason begins…
ROOT Sports' WPIAL football coverage will continue next Friday night at 7:30 (pre-game coverage begins at 7:00) with a First Round game to be determined.

subset: commoncrawl


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Dillon Cooper - Survival of the Fittest
- Artist: Dillon Cooper
- Track: Survival of the Fittest
- Producer: Paul Boogie
- Album: Cozmik
Last week, we heard recent Amalgam Digital signee Dillon Cooper explain why he considers himself one of The Best in the game—and, based on the quality of the cut, DJBooth readers didn't have any strong objections to his claim. No matter how awesome you are, of course, you've got to be well-adapted to your environment in order to win out over the competition. New single Survival of the Fittest and its accompanying visuals (directed by Hi-Lite Reel Boston) showcase the artist rhyming, smoking, skating and kicking it with his homies in his natural habitat, the streets of Brooklyn, NY. Paul Boogie provides a head-noddable, sampled beat. This record is the first song release off Cooper's debut mixtape, Cozmik. Dedicated to Brian "Cozmik" Scott, a professional rollerblader and close friend of the artist who died in a 2009 shooting, the project has yet to receive a solid drop date. Stay tuned for further details...


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Cool 4 Ed is the online presence of the California Open Education Resource Council's state-backed effort to reduce the cost of higher education. Because it is hosted by the California State University System, it is thoroughly integrated with MERLOT, one of the best-known OER repositories.
The best thing about this site is the collaboration between the three segments of California's higher education system – the Community Colleges, the Cal States, and the UCs. The "eTextbook Reviews" tab will eventually showcase materials for the 50 highest-impact courses that articulate across all three levels of the system. What's important now, even though the collection is still in development, is that faculty from each segment provide detailed reviews of each textbook. So if you're using the site to search for OER, you can put the reviews in context.
It's always great to see OER with reviews attached to them because of the common objection that open resources might not be high-quality. Yet sometimes reviews are too skimpy to be really useful. On this site the reviewers use a consistent rubric, and if you scroll to the fine print you can download a sample rubric (adapted from the K-12 Achieve OER Rubrics) and try it yourself. All this is to say that California's project is advancing the field by articulating and sharing exactly how they evaluate their materials.
There's a kind of sneaky way in which the rhetoric about quality concerns for OER can make it seem like textbooks put out by traditional publishers, by contrast, are always high-quality. In fact, that point is not at all settled. Students and faculty alike are often dissatisfied not only with the traditionally published book itself but also with the online add-ons that can't be resold or placed on library reserve. Being so customizable, OER have the potential to solve these problems; reviews are a time-saver and a starting point in meeting this goal.


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A lot of people think that banks can be pretty formal, unreachable and cold, while credit unions are definitely friendlier and more accessible on every level. Taking into account the fact that credit unions are smaller, this aspect allows them to be highly connected to their community and they can respond to member feedback easier. Advance credit union will provide almost everything a nationwide bank generally offers, ranging from online bill pay, credit and debit cards, insurance accounts, online account access and so on.
However, here at NC state credit union, you can have access to all of these services within a member-focused philosophy where the purpose is to help all members boots their bottom line and achieve financial stability. Other services provided by credit unions are: personal and real estate loans, member education, insurance, financial planning, free checking and lower interest auto in a friendly setting.
Without any doubt, advance credit union can be regarded as an excellent choice for people interested in cultivating their financial health in a professional manner. However, for having peace of mind, credit unions need to be regulated and registered by the Financial Services Authority. When searching for finance, it is advisable to look around and to investigate the market in order to find the best deal on personal or business loans.
To conclude with, now it's the best time for you to belong to a credit union as they have a long history of providing people with professional support when it comes to their finances. In addition to all those cooperative and complex financial programs, members can enjoy personalized services, according to their needs and financial profile. Having all these excellent advantages in mind, I don't see any reason why you shouldn't start looking for the best rates on loans.
Article Source: https://www.bharatbhasha.com
Article Url: https://www.bharatbhasha.com/finance-and-business.php/493527
Article Added on Sunday, January 20, 2019
|Business And Finance >> Top 50 Articles on Business And Finance
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Beef flank stew (牛腩) with Asian spices and soy sauce, my memory of the hawker stall on the 'Poetry Book Road' ( FODMAP friendly)
When I was a little girl, I walked to the primary school each day. I ate breakfast along the way. I had a ten cents allowance for two plain steamed buns each morning.
I walked down a street commonly known as the 'Poetry Book Road'. For many years, the street was renamed as the 'Red Book Road' in honor of Chairman Mao's red book of quotations.
At the end of the street, there was a tiny hawker stall selling beef flank and pig intestines. In winters, the hot steam rose from her big pots. The aroma of soy, star anise and clove lingered in the air, mouth-watering and irresistible. The stall operator was a middle age woman, short, chubby and never smiled. She had a pair of gigantic scissors that made loud 'chop chop chop' sound. When she received an order, she cut some small pieces off a larger piece, skillfully threading them to a bamboo stick without touching them with her hands. A stick with 3 pieces of juicy, fatty and heart-warming meat cost 10 cents. It was a difficult decision for a little girl – spending the 10 cents on a meat stick and be hungry for the rest of the morning, or two plain buns. I took some deep breaths (the aroma was so good) and nibbled on the tasteless buns.
Now I remembered, the two buns never filled me up anyway. At school I sat next to a boy whose name was 'Bin'. We enjoyed a few laughs as our stomachs rumbled at the exact same moment.
I cooked beef flank many times over the past many years. It always brought back memories of the hawker stall on the Poetry Book Road.
Recipe is as follows: Read the rest of this entry »


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Oprainfall writes:
"Today we learned that these scenes run 2 hours and 50 minutes in total, which by cinematic standards could be considered a long movie. Fully voiced and partially rewritten, this may prove to be the definitive way to experience the 358/2 Days story."
Theres only a handful of things i get excited about no matter how minor and one of thsoe thigns is kingdom hearts
I shall obtain a Japanese copy in March, then obtain an English copy if it ever happens. (PLEASE HAPPEN!!)
I've never played a KH game but I heard this one had possibly the best story out of all of them. The DS game's graphics are a bit ehh..but I'd still play it....might wait now though.


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Library visits are regular routines of our students' school life. We know that children begin to acquire pre-reading skills since they are very young and story times provide opportunities for children to interact with one another, engage in dramatic play, learn new vocabulary, and help to increase their attention spans. While visiting the library, children have the freedom to find the books that they are interested in order to practice independence, individual thinking, and making choices. Teachers also model proper book reading skills and encourage children to read silently or in a small group quietly so that they learn to respect books, and people/environment around them.
So parents, if you have not made REGULAR library visits with your child, it's time to start now!


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Actor Adrian Lester has called on the industry to shame theatres and companies publicly that fail to reflect the cultural diversity of the UK.
He was speaking during an event at the National Theatre organised by diversity campaign group Act for Change, which also featured director Phyllida Lloyd and NT director Rufus Norris.
Lester said that both theatre and TV in the UK were "slowly being embarrassed" by the absence of diversity in the sector, including the under-representation of people from black, Asian and minority ethnic backgrounds, as well as the lack of opportunities for women and deaf and disabled artists.
He added it was important to shame theatres and companies that demonstrated poor diversity.
"It's up to us to gather in groups and embarrass the sides of the industry that we can, to grill people like Rufus Norris on our stages, and to consistently, always, constantly ask for change. To be excellent in ourselves so we are that change," he said.
Challenged on the issue, Norris refused to commit to enforcing quotas for the venue's casting and employment, but added: "The last thing I'm saying is 'no'. What I want is for this theatre to represent the country accurately, and if that's the best way of doing it, then yeah – why not?"
Norris also conceded that he had a "shit record when it comes to disabled casting", but revealed that he was working on two projects that would focus on disabled issues.
He later came under fire from Graeae artistic director Jenny Sealey for saying that, although the NT had to "reflect the country", he also had to make sure "that our standard of excellence is as good as it can be".
Sealey countered: "I want to cry because I am so annoyed… what frustrates me more than anything is Rufus talking about 'excellence'. It's patronising to think that as a director, I don't want excellence. But some of my deaf and disabled artists can't get a foot in drama schools to get that training, so that they can dream to be excellent."
Lloyd added that a way to improve cultural diversity was ensuring that more creatives from under-represented backgrounds had the top jobs in theatre.
She stressed: "We have to get the keys of buildings into the hands of [minorities]. Things have changed in the past 10 years. Women are running some significant, so-called 'big hitter' London theatres: Madani [Younis] is running the Bush, there are big changes everywhere. But white middle-class men need to take on associates who are not mirrors of themselves."
Discussing how the public view the theatre industry, actor Cush Jumbo branded the Olivier Awards "a lie" that does not properly represent BAME talent in the sector.
"I remember it really hitting me in the face when I sat in the audience for the Oliviers and realising that I was one of the only brown people there," she said. "And the reason I thought it was so unfair is because that's not the industry I work in. It's fake. It's a lie. And yet, that is what is being shown to our brothers and our sisters and our children."
Source: The Stage https://www.thestage.co.uk/news/2015/adrian-lester-lambasts-embarrassing-lack-diversity-theatre/


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The Oklahoma River has only been so since 2004, when a dammed and locked seven-mile stretch of the North Canadian River was open to the public and renamed the Oklahoma River. Cruising along the river is a great way to spend an afternoon in Oklahoma City. However, the river isn't the city's only waterway; the historic Bricktown District in downtown OKC is home to a canal that offers boat rides of its own.
Bricktown Water Taxi
Cruise the canals of Oklahoma City's popular Bricktown District on a water taxi. More than a way to get from point A to point B, Bricktown Water Taxi operates 40-minute round-trip narrated boat rides during the peak months from April to October; the bright yellow, open-air, pontoon-style boats offer a relaxing way to enjoy Bricktown's picturesque waterway. Take a ride before or after dinner at one of the district's Mexican restaurants, grills, or the Bricktown Brewery. Dinner cruises and cocktail cruises can also be chartered for groups.
Oklahoma River Cruise
Tour the Oklahoma River with the Oklahoma River Cruise company from Wednesday to Sunday during the April to December season. Your family will be safe with U.S. Coast Guard-licensed captains operating the boats, which have indoor and outdoor areas, as well as sleek wood accents that give a nostalgic nautical feel to the cruises. Boxed lunches can be waiting for you on board if you reserve at least 48 hours in advance. The full cruise is seven miles; there are three landing spots, which are each 45 minutes apart. You may start your cruise from any landing.
Themed Oklahoma River Cruises
If the basic Oklahoma River cruise isn't exciting enough for you or your family, book a themed cruise, also operated by the Oklahoma River Cruise company. The History Comes Alive series includes Oklahoma history reenacted by characters like a pioneer woman or an 1870s cowboy during the series' run from May to August. Sunset cruises are available Friday and Saturday evenings and include light hors d'oeuvres and a cash bar. Sunday Sensation LIVE is a late afternoon entertainment cruise every Sunday from May to October that includes appetizers, a cash bar and music.
Leaf Group is a USA TODAY content partner providing general travel information. Its content is produced independently of USA TODAY.
Photo Credits
- Attribution: Lrsears; License: public domain


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How CHLI Works
Community Healthy Living Index (CHLI) is a powerful tool that can help lead to dramatic changes in your community.
CHLI contains assessments for six key community settings: afterschool child care sites, early childhood programs, neighborhoods, schools, work sites and the community at large. Each assessment contains questions about policies and practices that support healthy lifestyles; each question provides a "best practice" or improvement idea for sites to implement.
Following the completion of the assessment, the site then completes the Discussion and Improvement Planning Guide, which provides discussion prompts to guide a site's conversation to identify first steps. By participating in this process, community leaders will be able to plan for policy and environmental change strategies, identify and remove barriers, and expand opportunities for healthy living.
The CHLI assessment and improvement plan process needs to take place with the engagement of a broad set of community stakeholders. The will help you convene stakeholders and facilitate the assessment and improvement planning process. Community change work cannot be done by one organization alone, it is incumbent on local and community leaders to assess, discuss, design and implement improvement plans.
The tools help communities assess where sites are today in terms of offering opportunities for healthy eating and physical activity, but the ultimate aim of this work is to set a course for tomorrow. CHLI is a good starting point for communities learning how to build environments that support healthy living.
We liken this process to the work of planting an apple orchard Opens a new window. You begin by planting seeds of change in your community and then providing appropriate care for each stage of development until harvest. The rewards are your environment's strong supports for healthy eating and active living.
Additional background:
INTRODUCTION Opens a new window
Click on the links below to find out more details:


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The Sussex Area celebrates its 55th Anniversary in 2016. The Sussex Kidney Trust charity was set up in 1968 since when, over £1m of equipment has been purchased for the renal units in Bexhill, Brighton and Worthing.
During the history three of our members have attained the office of National Chairman, one of whom went on to serve as National President.
Sussex has hosted the National Show and twice hosted the National Assembly.


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why it doesn't work? thanks!
Code: Select all
Moderator: Board moderators
Code: Select all
Hellowyvmak wrote:i used recursion. though i guess there're better methods than mine. (i heard somebody use looping)
my algorithm:
go from the top-row,
- for each one in top-row, you can switch or not switch
for the rest of the rows,
- the upper row would determine whether you can switch or not. ie. if the upper row is off, you cannot switch; otherwise you must switch.
Code: Select all
SOLUTION_NUMBER=roundup( log2 N )


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Yet another edition of the National Junior Athletics Championships has come to an end. The timing of the event at Guntur in Andhra Pradesh left a lot to be desired and it is up to the School Games Federation of India and Athletics Federation of India along with the government to hold the junior championships earlier.
Ideally, our juniors too should follow the international calendar in which the seasons are divided into two – winter and summer seasons. The winter season runs from January to April while the summer is from May to October.
For an athlete rest is very important as he/she wants his/her body to be in perfect condition to achieve better results. Sadly in India, the athletics calendar for students is prepared looking at the academic year and as a result the top juniors don't get sufficient time to rest and some times they even miss out on major championships.
Haryana pip Kerala
Coming back to the Guntur meet, Haryana ended Kerala's reign to clinch the overall championships. Haryana athletes were more organized this time and pipped Kerala to the title. Haryana have traditionally dominated throw events, but this time around they excelled even in relays, which Kerala have monopolized over the years. Kerala have dominated athletics on the national stage and it has a lot to do with the fact that our schools take great care in promoting sports. At present, Mar Basil HSS, Kothamangalam, St George's HSS, Kothamangalam, Parli HSS, and Kalladi HSS are the top sports schools in the state.
I would like to add that our athletes were a tired lot at Guntur after having competed at the state meet at Pala, and the national school meet in Bhopal. A few athletes fell either sick or were missing in action at Guntur.
Doping menace
One thing which worries me is the issue of doping. One look at an athlete and you can make out his/her physical growth is not natural. Today's youngsters have access to Internet and they can easily fall into the trap of using performance enhancing substances. The coaches, school management and parents have to be vigilant in their efforts to put an end to dope menace and ensure there are no short cuts to success.
Long jumper M Sreeshankar, who set a new meet record of 7.72m in the U-20 boys' long jump, and Rubina Yadav, who smashed the national record in U-18 girls' high jump, were the standout performers at Guntur. Kerala's Sreeshankar, son of former international athletes Murali and Bijimol, is a natural and has got great ability. Haryana's Rubina, who came up with a fine jump of 1.81m, has got great physique and is a genuine prospect.
The performance at the junior nationals is taken into consideration for the central government's Khelo India project. The selection trials for Khelo India will be held in New Delhi in January and the 1,000 selected sportspersons will get Rs 5 lakh per annum to take care of their training as part of the project. The Center has also started a Jumps Academy in Bengaluru, Sprints Academy in New Delhi, and Throws Academy in Patiala to groom talented youngsters. These are exciting times for the youngsters as the government is spending big money on athletics. Today's athletes are lucky as they can train on synthetic tracks and get to use spikes. Throwback to our era and an uneven track was the one in which majority of us trained in our early days!
I am happy to see this change, for we need to spend money in order to achieve results on the international stage. The school coaches have to be prudent to understand they can take their disciples only to a certain level and after that more qualified coaches need to train them.
(The author is a former World Championships bronze medal winner in long jump)
Read more Sports News | Kerala school athletics champ tests positive for banned drug


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Adobe Photoshop CC (2015)
This Photoshop version is deleted via Creative Cloud
- Launch Adobe Creative Cloud
Macintosh HD/Applications/Adobe Creative Cloud/Adobe Creative Cloud
- In Creative Cloud window at Apps tabs find Photoshop CC (2015)
application. Click on cogwheel next to Open button and choose Uninstall
- The app will ask you to save the settings. It is recommended to choose another option if you don't want to be bothered by the app again. However, you will lose all your settings. You decide.
- If there are no more applications in Adobe CC – delete the whole Creative Cloud.
How to Uninstall Creative Cloud from Mac
You can also uninstall Photoshop CC (2015) with an App Cleaner & Uninstaller. The app allows uninstalling any program on a Mac correctly and safely.


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Selecting The Language To Use
1. Setting the Language / Locale
The locale describes the regional settings for a piece of software, such as a website, or unblu. The most noticeable aspect of the locale is the language in which the user interface is displayed, but the locale can contain other regional aspects (such as date formats, number formats, and so on).
If your website has only one locale, you can set that locale for unblu in the configuration. This ensures that the website and unblu use the same locale (that is, the same language and the same other regional settings).
If your website supports multiple locales, then you have to tell unblu which locale to use.
2. Using an Attribute
A very straightforward way of telling unblu which locale to use is by using the default html
lang attribute in the
<html> tag, as follows:
<html lang="en">
IMPORTANT: Although according to the html specification the
lang attribute can be set on any tag, unblu only checks the html tag to pick up the language.
Unblu supports either language code or language-region code as defined in http://www.ietf.org/rfc/bcp/bcp47.txt section 2.2.1 (Language), section 2.2.4 (Region) and Appendix A (examples for language-region). For more information see http://www.w3.org/International/tutorials/new-language-decl/qa-html-language-declarations. If you do not want to set the language for the entire page, you can tell unblu explicitly what locale to use. To do so, add the (custom) attribute
unblu_locale to the html tag as follows:
<html unblu_locale="en-US">
Most content management systems will let you add this attribute to all pages with little effort.
3. Using a JavaScript Function Call
You can also use a JavaScript function call to set the locale, as follows:
Note that you have to call the function after the unblu snippet but before the page is rendered. If at all possible, we recommend that you place the call immediately after the snippet.
4. Languages and Regions
The language code follows the IETF convention for language codes, so the following calls set the locales for English, US-English, and German as spoken in Germany:


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From the Office of the Commonwealth's Attorney. Please see our Media Releases page at louisvilleprosecutor.com/media-releases for more details and archives.
30th JUDICIAL CIRCUIT
Weekly Media Release: May 15, 2017 – May 19, 2017
Attention: Assignment Editor
Director of Communications: Jeff Cooke
Office: (502) 595-2340 Ext. 3027
Cell / Text: (502) 262-5809
E-mail: email@example.com
NOTE: These represent only a few of the many cases which the Office of Jefferson County Commonwealth's Attorney is handling. If you have any comments, or need further information concerning these or any other matters please do not hesitate to call. An indictment is only an accusation. A defendant is presumed innocent until or unless found guilty. The enclosed court actions are subject to change.
According to the Rules of Criminal Procedure (RCr 3.02, 3.05, and 8.01), the arraignment of individuals whose case has been submitted directly to the grand jury shall take place within a reasonable time after the return of an indictment. If you are interested in a case that has been submitted directly to the grand jury, then please contact the court division in which it has been assigned to obtain the time and date of the arraignment.
Wathaniel Woods – 17CR0935 (Murder, Possession of a Handgun By Convicted Felon, Wanton Endangerment in the First Degree, Trafficking in a Controlled Substance in the First Degree Schedule II Cocaine Less Than Four Grams While in Possession of a Firearm, Illegal Use or Possession of Drug Paraphernalia While in Possession of a Firearm, Fleeing or Evading Police in the First Degree, Operating a Motor Vehicle under the Influence of Intoxicants – First Offense (Aggravating Circumstances), Operation of a Motor Vehicle by a Person Whose Operator's License Has Been Revoked, Suspended, Cancelled or Denied, Disregarding Official Traffic Control Device and Persistent Felony Offender in the First Degree)
- Mr. Woods (DOB 03/15/80) is charged as a result of incidents occurring on March 28, 2017 which culminated in Wood's automobile striking the patrol car of LMPD Officer Nicholas Rodman resulting in fatal injuries to Officer Rodman. The first Pretrial Conference is scheduled for May 15, 2017 at 11:00 a.m. in Division 1 of Jefferson Circuit Court. Elizabeth Jones Brown and Justin Janes are the prosecutors.
Brian Boswell – 16CR2812 (Robbery in the First Degree, Burglary in the Second Degree, Robbery in the Second Degree, Theft by Unlawful Taking over $10,000 [Three Counts], Illegal Possession of a Controlled Substance in the First Degree (HEROIN))
- Mr. Boswell (DOB 12/12/82) is charged with holding a man at knifepoint and stealing his vehicle. The incident occurred on October 10, 2016, at Suburban Hospital. A pretrial conference is scheduled for May 16, 2017 at 9:15 a.m. in Division 9 of Jefferson Circuit Court. Milja Zgonjanin is the prosecutor.
Tristan Jewell and Devonta Anderson – 17CR0503 (Murder, Wanton Endangerment in the First Degree)
- Mr. Jewell (DOB 11/06/95) and Mr. Anderson (DOB 10/04/93) are charged with the February 14, 2017 shooting death of Mr. Joshua Evans. Mr. Evans and another victim were walking home in the 1500 block of Longview Avenue when defendants opened fire, killing Mr. Evans but missing another. A pretrial conference is scheduled for May 15, 2017 at 9:30 a.m. in Division 10 of Jefferson Circuit Court. Madison Shoffner is the prosecutor.
William Crockett – 15CR0057 (Murder, Burglary in the First Degree)
- Mr. Crockett (DOB 12/19/61) is charged in connection with the January 1, 2015, shooting death of Anna Fisher. A trial is ongoing in Division 12 of Jefferson Circuit Court. Alicia Gomez and Thomas Wine are the prosecutors.
William H. Watson – 16CR0206 (Sodomy in the Third Degree [Two Counts])
- Mr. Watson (DOB 06/19/1972) is charged for sexual contact with a minor under the age of 16 years old. The defendant was the victim's youth pastor when the defendant cultivated a sexual relationship with the minor victim. A jury trial is scheduled for Monday, May 15, 2017 at 9:00 in Division 9 of Jefferson Circuit Court. Courtney Straw is the prosecutor.
Arthur Lee Garrett – 16CR0393 (Rape in the First Degree, Persistent Felony Offender in the First Degree)
- Mr. Garrett (DOB 11/10/66) is charged with a rape that occurred on February 5, 2016. On that date, the victim was a patient at Jewish Hospital and was unable to move her limbs, was on a breathing tube, and was otherwise incoherent at the time the rape occurred. A jury trial is scheduled for Monday, May 15, 2017 at 2:00 p.m. in Division 3 of Jefferson Circuit Court. Chris Foster is the prosecutor.


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Mindfulness and the kingdom of God? Really? Well, yes. Let me explain.
The kingdom of God is a Biblical concept, in particular, a New Testament one. The phrase, the 'kingdom of God', does not appear as such in the Hebrew Bible (the Christian Old Testament) -- the Jews were, and still are, expecting a different kind of kingdom -- but you will find the phrase in many, many places throughout the New Testament.
The Catholic Encyclopedia, in its article on the kingdom of God, explains that the kingdom of God means not so much a goal to be attained or a place – although those meanings are by no means excluded – it is rather a 'tone of mind' and an 'influence which must permeate [our] minds' if we would be one with the Divine Life and attain to its ideals. The kingdom of God refers to the rule or reign – the sovereignty – of God in our hearts and minds. The kingdom of God is a past, present and future reality all at the same time. It's a very powerful concept, full of meaning and beauty and wonder.
The Bible says that the kingdom of God is within [or among] us (Lk 17:21). Who or what is God? Well, God is love (1 Jn 4:8) and God is Spirit (Jn 4:24) – and that Spirit is LOVE. Another way of understanding Spirit is as pure Be-ing. So, if you think that God is a giant man 'up there' or 'out there', some supra-personal Being with a face, body, arms and legs and a penis – sorry to be crude – then you are horribly mistaken. The concept of a personal God has misled and confused many, yet the concept is valid if properly understood. First, each person's understanding of the Divine is personal. Secondly, the heart of Christianity is personality in the sense that our personality is to be moulded by the Divine. Thirdly, it is a key assertion of Christianity that God can be known as a person--as a loving Father or Mother. 'Anyone who has seen me [Jesus] has seen the Father' (Jn 14:9). So, who or what is God? As mentioned, God is love and Spirit. In other words, God is reality, truth, life and love in the most absolute, infinite and eternal sense. God is pure Be-ing, and we have our be-ing-ness in God. 'For in him we live and move and have our being' (Acts 17:28). Jesus gave the world an entirely new conception of the Divine, and for Christians Jesus was and ever remains the supreme revelation we have of God as love.
The kingdom of God – also referred to in Matthew's Gospel as the 'kingdom of heaven' – is the realm of divine ideas, producing their expression in us and others as the fulfilment of the nature of the Divine. The kingdom is a 'heavenly' one – that is, one of ideas, ideals, values and things not-of-this-world. The kingdom is an ideal state of society, an ideal way of being and living – our highest good. In their classic text The Mission and Message of Jesus (New York: E P Dutton and Co, 1938) by H D A Major, T W Manson and C J Wright, all of whom were eminent scholars and theologians, H D A Major writes in Book I, on pages 36-37:
'For Jesus the Kingdom was not objective, but subjective. Its sphere was in the minds and hearts and souls of men. Where God reigns in a human personality, there the Kingdom of God has come on earth, and it is for this kind of advance of the Kingdom that Jesus taught His disciples to pray.'
Now, if you have trouble with the word 'God', then substitute for it words such as life, truth and love – in fact, anything representing the highest good. And if you have a problem with the word 'kingdom', then substitute for it words such as 'state of mind', 'presence' and 'positive influence and power'. It's not the word or phrase that matters but rather the reality behind the word or phrase. Never forget that.
The Reformed Church minister Dr Norman Vincent Peale [pictured right], in his book The Tough-Minded Optimist (New York: Prentice-Hall, 1961), on page 66 of the Fireside edition, writes:
'… The Kingdom of God is a powerful recreative force deep down in your personality waiting to be summoned forth. When you do summon it and put it to work in your life you will live with so much power that nothing can really upset you again, at least not to the point of defeating you.'
Dr Peale often wrote and spoke about the kingdom of God. And why not? After all, the subject was the very heart of Jesus' teachings. Peale would often say, 'All of God's values of strength, peace, health, and happiness are built into you. All of the riches of God's great Kingdom are potentially resident in your mind. Let them operate freely. Release them into abundance.' In his book The Power of Positive Thinking (New York: Prentice-Hall, 1952), on page 62, Peale wrote in reference to the kingdom of God that we have 'within our minds and personalities all the potential powers and ability we need for constructive living'. Got the idea?
Yes, Jesus' parables were all about the kingdom of God. Take, for example, this one. 'First a leaf blade pushes through, then the heads of wheat are formed, and finally the grain ripens' (Mk 4:28). The kingdom of God is like that, said Jesus. Then there's this parable. 'The kingdom of heaven is like a mustard seed, which a man took and sowed in his field; and this is smaller than all other seeds, but when it is full grown, it is larger than the garden plants and becomes a tree, so that the birds of the air come and nest in its branches' (Mt 13: 31-32). Now, that is the kingdom of God in action and expression. The kingdom starts with an idea and a presence – the Presence – and it grows and grows.
Mindfulness is a lot like the kingdom of God. It is a dynamic presence – a watchful, mindful presence and choiceless (that is, nonjudgmental) awareness of the content, both internal and external, of the action of the present moment, from one such moment to the next. Mindfulness is in this world, but not of this world. Mindfulness affords insight and self-knowledge. It is a state of power and oneness with the flow of life within you and outside of you. It is a state of pure be-ing-ness. Mindfulness can be secular or religious, but if it is divorced from the ideals to which I have referred -- especially the ideals of love and compassion for others, indeed for all living things -- it is an abomination. It is something to be shunned. Mindfulness must be more than a mere system or technique (ugh) of mental cultivation. True mindfulness embraces all things and recognises the fundamental unity of all life. True mindfulness empowers a person to be a better human being. Well, it can be that way.
A mustard tree
Mindfulness is not inherently Christian, but neither is the kingdom of God. Did you hear that? Jesus was a Jew, not a Christian, and he taught the idea of the kingdom of God to Jews and to some who were not Jews. None of those to whom he spoke were Christians as there was no Christian Church then. However, you don't need to be a Jew, or belong to any religion for that matter, to experience the reality of what the Bible refers to as the kingdom of God. You don't even need to believe in God as such except in the sense of standing on the side of love, which is God. 'Those who do not love, do not know God, because God is love' (1 Jn 4:8). It follows that those who love know God, even if they are not explicitly aware of it. So, those who have love in their hearts experience the blessings of the kingdom. Wow, how's that for heresy! But it's true. My authority for saying that is the life, ministry and teachings of Jesus of Nazareth as recorded in the Bible. If you are seeking love, life, truth, peace, health and happiness, then the kingdom of God is for you – and is yours, right now!
I am firmly of the view that what I have said above is one hundred percent Biblical, but I suspect that it is still more than enough to give Christian fundamentalists apoplexy. Never mind. I don't write for them. I don't truck with them and they don't truck with me. I have been a fierce and tireless opponent of religious bigotry and narrow-mindedness all my life, and I am not about to stop now. Too many so-called Christians preach a 'gospel of our Lord Jesus Christ' – their commonly used expression – which, with its butcher-shop theology, is about as far removed from the 'gospel of God' (cf Mt 1:14) proclaimed by Jesus as you can get. They have a religion about Jesus as opposed to the religion of Jesus. The latter is the religion Jesus taught and by which he lived and died. That is the true Christianity.
The essence of the 'gospel of God' -- the real good news of the kingdom -- preached by Jesus at the very beginning, and right throughout the entire period, of his public ministry is encapsulated in this verse from the New Testament: 'The time is fulfilled, and the kingdom of God is at hand: repent and believe the gospel.' (Mk 1:15). The nature and substance of God is love. Where God rules in peoples' hearts and lives, love rules. That means there needs to be an inward change of mind, affections, convictions and commitments -- a complete turnaround in one's life (repentance, to use a Biblical word). And what of 'faith' -- faith in God? Put simply, faith is the living and lived response of a person to the revelation of God as love in the person of Jesus. It is not something intellectual. It is something lived out in one's daily life. 'Do this and you will live' (Lk 10:28).
The essence of the 'gospel of God' -- the real good news of the kingdom -- preached by Jesus at the very beginning, and right throughout the entire period, of his public ministry is encapsulated in this verse from the New Testament: 'The time is fulfilled, and the kingdom of God is at hand: repent and believe the gospel.' (Mk 1:15). The nature and substance of God is love. Where God rules in peoples' hearts and lives, love rules. That means there needs to be an inward change of mind, affections, convictions and commitments -- a complete turnaround in one's life (repentance, to use a Biblical word). And what of 'faith' -- faith in God? Put simply, faith is the living and lived response of a person to the revelation of God as love in the person of Jesus. It is not something intellectual. It is something lived out in one's daily life. 'Do this and you will live' (Lk 10:28).
When you come to experience the fullness of life in a truly selfless, self-sacrificing way – living deeply and mindfully, and loving and growing spiritually more and more with each passing day – you are then living in the kingdom of God. In the words of theologian H D A Major, the kingdom is 'the summum bonum [that is, the highest good or ultimate goal] of the individual' (The Mission and Message of Jesus, Book I, page 37).
The kingdom of God is a way of being and living – a state and tone of mind. So is mindfulness. Both are in the world but not of the world. Both can be yours – right now!


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General Relativity and Quantum Cosmology
Title: Extended FLRW Models: dynamical cancellation of cosmological anisotropies
(Submitted on 13 Nov 2019 (v1), last revised 20 Feb 2020 (this version, v2))
Abstract: We investigate a corner of the Bianchi models that has not received much attention: "extended FLRW models" (eFLRW) defined as a cosmological model with underlying anisotropic Bianchi geometry that nevertheless expands isotropically and can be mapped onto a reference FLRW model with the same expansion history. In order to investigate the stability and naturalness of such models in a dynamical systems context, we consider spatially homogeneous models that contain a massless scalar field $\varphi$ and a non-tilted perfect fluid obeying an equation of state $p=w\rho$. Remarkably, we find that matter anisotropies and geometrical anisotropies tend to cancel out dynamically. Hence, the expansion is asymptotically isotropic under rather general conditions. Although extended FLRW models require a special matter sector with anisotropies that are 'fine-tuned" relative to geometrical anisotropies, our analysis shows that such solutions are dynamically preferred attractors in general relativity. Specifically, we prove that all locally rotationally symmetric Bianchi type III universes with space-like $\nabla_\mu\varphi$ are asymptotically shear-free, for all $w\in[-1,1]$. Moreover, all shear-free equilibrium sets with anisotropic spatial curvature are proved to be stable with respect to all homogeneous perturbations for $w\geq -1/3$.
Submission historyFrom: Thiago Pereira [view email]
[v1] Wed, 13 Nov 2019 20:06:48 GMT (61kb,D)
[v2] Thu, 20 Feb 2020 18:15:50 GMT (62kb,D)
Link back to: arXiv, form interface, contact.


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When a section of law is reformed, that generally means a large body of its law is rewritten. When that happens, it is generally impossible to account for every possible application of the law and, accordingly, the law evolves as judges interpret its meaning. The most recent major revision of our divorce and family law in Massachusetts was the Alimony Reform Act of 2011. Among other major changes, discussed elsewhere on our site, was the addition of circumstances which would justify terminating alimony.
The first major development was when the Massachusetts Supreme Judicial Court decided the case of Chin v. Merriot, which addresses the conditions of reaching full retirement age and cohabitation after divorce.
Prior to the Alimony Reform Act of 2011, the primary way–really the only way aside from death or remarriage–to terminate alimony was by showing of a material change of circumstances justifying the change. Essentially, someone paying alimony could be required to pay it the rest of his or her life unless they came back to court and established that there had been a material change in circumstances justifying its termination. You might be wondering: what would qualify as a material change in circumstances? Well, that is precisely the issue. In Massachusetts, we give our probate and family judges wide latitude and discretion in determining the appropriate outcomes in divorce and other family law cases, and so it can be difficult to determine what a judge might conclude to be a material change.
Prior to the Alimony Reform Act, case law had developed establishing, on a case-by-case basis, what was a material change in circumstances and what was not. For instance, there was a case in 1986 that rejected the argument that alimony should be modified or terminated solely based on the recipient spouse cohabiting with another individual. Similarly, a 2009 case rejected the argument that retirement was a justification for terminating alimony. Both courts stated that these facts alone were not enough to terminator modify alimony. Rather, they would have had to prove a material change in circumstances had occurred which justified the modification or termination of alimony. Both cases were notably cited in the Chin case. Essentially, the person seeking to and the alimony payments would need to convince the judge not only that something had significant occurred, but also that alimony was no longer appropriate.
The 2011 Alimony Reform Act effectively limited judicial discretion to some degree in alimony modification cases, because it established certain circumstances in which alimony simply would terminate, without any further need to establish that a material change in circumstances had occurred.
Chin dealt with a predictable issue following a major reform act. Chin and Merriot were married in 1998 and divorced in August 2011. The parties settled their divorce case, entering into a separation agreement, providing that Chin (husband) would pay Merriot (wife) $650 a month until either party died or the wife remarried. The provision of the separation agreement was then merged with the final judgment, having an effect of making it modifiable going forward.
At the time the parties entered into the agreement, Chin was already 67 years old and his wife was 69. Subsequently, the alimony Reform Act was enacted, establishing that general term alimony may terminate when the pay your reaches full retirement age. So, Chin filed a complaint for modification in the Probate and Family Court, seeking to terminate his alimony obligation based on the new law. He then amended his complaint, arguing further that because his former wife was cohabiting with her new significant other (another basis for termination under the Alimony Reform Act) his alimony obligation should terminate for that reason as well.
The modification went to trial and the judge dismissed the complaint. The judge found that the conditions for termination set forth in the Act only apply to cases establishing alimony March 1, 2012 or later, the effective date of the Act. The case was appealed, and the Supreme Judicial Court eventually took up review.
The SJC ultimately held that alimony awards which were merged into a final judgment prior to March 1, 2012 may only be modified or terminated based upon the law which then existed. That means, to modify or terminate those alimony awards, the petitioner would need to prove that there was a material change in circumstances justifying termination or modification. To illustrate how complicated the law can be sometimes, in coming to this decision, the Court determined this outcome to be consistent with the legislative intent when the law was drafted to begin with. To determine the legislative intent, the court looked at the uncodified provisions of the Act–that is, the provisions of the actual Act which never made it into the codified statute.
I should note, as the Court did, that there is a basis specifically enumerated in the statute which provides for the modification of the duration of general term alimony awards entered before March 1, 2012 consistent with the new law, but otherwise you must prove a material change in circumstances.
The case law has continued to evolve, of course, since the issuance of the Chin opinion and the analysis set forth here is based on the law up to that point in time. To learn more about how alimony reform has evolved since, continue to read our blog or call our office at 978-225-9030 and schedule a consultation. The Chin case is really a very good illustration of why you should have an experienced divorce and family law lawyer as an advocate. Most lawyers would not think to look research the issues to such depth as was done by the court in this case and, while it is important to educate yourself on the basics of the law, there is no substitute for meeting with an experienced divorce lawyer and understanding how the law applies to the specific facts of your case.


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The Cobb: Compact, Portable & Versatile Grill
A little over a year ago, I wrote an entry describing a very simple means of producing extremely tasty grilled pork chops. About a month ago, Tom – Cobb Grill commented on the post. As with all posts that make it through the spam filter, I checked out the post and associated link.
Now, almost all spam is nullified by my spam filters. Some borderline stuff gets through. And the comment was borderline considered within the context of the link.
So, I visited the Art Fleederman and left a bit of feedback to see how serious/legitimate the company might be. I also offered to review the product, if they would send me a Cobb. I'm not above pimping my weblog for free stuff.
There is one simple rule: If said thing is a piece of crap, I'm going to say so in no uncertain terms.
Tom at Art Fleederman took up my offer and sent me a Cobb.
The Cobb is definitely one well designed compact grill. I hesitate to even call it a grill. It is more like a small charcoal-fired convection oven.
I dropped some soaked in-husk corn on the Cobb, which was fueled by 8 or 10 charcoal briquettes and let it sit for about 45 minutes to an hour.
This style is my favorite way to cook corn. Done right, the resulting corn is tender, moist, and will have a bit of a caramelized sugar flavor to it.
It was significantly more moist than the many times I have done the same preparation on a larger grill. And the Cobb only consumed about 60% of the fuel during the cook.
As can be seen in the picture, the Cobb is not a large grill. It can barely fit 4 reasonably sized ears of corn with the lid on!
Yet, it appears to be a very versatile grill. As can be seen in the picture at the left, the firebox is fairly small and sits at the center of the Cobb. What can't be seen is the moat that surrounds it, into which you can place liquids for steaming and/or vegetables for roasting. It also appears to be possible to cook down sauces in this moat, using the renderings from the cooking meats to add additional flavors.
The grill is about 12″ in diameter and stands 14″ tall with the lid on. Their are a number of accessories; griddles, wok tops, etc…
It is also extremely portable and comes with an awesome carrying case. The design of the grill is such that the stainless steel mesh stays cool to the touch throughout the cook. I'm pretty sure I could cook with the Cobb on top of a tablecloth / wooden table without an issue.
In any case, it is a very impressive product and I'm looking forward to see how it fairs cooking meats and baking breads. It should prove ideal for cooking for my family, which is convenient given that my kitchen is currently destroyed in the process of a remodel.
Frankly, I knew nothing about The Cobb prior to tracing back the comment Tom made originally. I still know little about Art Fleederman other than that their online presence is both a bit campy and very interesting. The handful of communication I have had with Tom and with the company has been pleasant and responsive.
Art Fleederman carries what appears to be the complete line of Cobb grills and accessories. I'm very likely going to order the roasting rack soon.
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Marilyn's Personal Story - Why a Lawyer?
Marilyn's Bio Working for Marilyn
My parents were very protective with my brother and me, moderately into discipline and control but still loving and encouraging. They were always united in child issues and it took a lot of persuasion and persistence to modify or influence their decisions. So I began lobbying in earnest at an early age and learned to express my positions and argue my cases. I have always loved a good argument and winning one is a natural "high" for me. Although I don't go out on Saturday nights cruising for confrontations, I seldom go out of my way to avoid them. It must be an inherited trait and an acquired "taste".


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1. Formally, Present Stems have a Reduplication either Full (sometimes maintained throughout the conjugation) or Simple, which normally consists of the initial consonant of the root followed by -i-.
In the Meaning, Reduplication can have an especial value (of iteration or intensity) or simply an opposed value; in every case, thus, it distinguishes the verb in its different forms.
2. The Form of Reduplication:
I. Full Reduplication, normally of the Present Stem, repeats the Root or at least the group consonant/sonorant+vowel+consonant/sonorant: galgal, talk, bherbher, endure, mormor, whisper, etc.
Full reduplication is also that which repeats a Root with vowel+consonant/sonorant; as, ulul, cry aloud.
II. Simple Reduplication is made:
a. With consonant + i. In athematic verbs; as, si-sde (sit down, settle, from zero-grade root sed, sit); in thematic verbs; as gi-gno, bhi-bher, etc.
NOTE. Reduplication is, as already stated, optional in IE III: gignosko/gnosko, dido/do, bibo/poi, etc.
There are some intensives half full, half simple reduplicated stems, as in dei-dik, teach. There are other forms with -w, -u, as in leu-luk, shine. There are also some perfects.
b. With consonant + e/e. ai. dedhe, dedo.
Simple Reduplication in e is given mainly in the Perfect, while that in i is characteristic of the Present. Reduplication in e is also often found in intensives in Southern Dialects.
NOTE. As a matter of fact, reduplication doesn't affect the vowel in inflection: bibherti / bibhrmes, istami / istames.
3. The Meaning of Reduplicated stems: It is mainly a southern feature (Indo-Iranian and Greek) the systematic opposition Basic Verb / Deverbative Reduplicated to obtain an Iterative-Intensive. There is another meaning, that of the Desideratives, which are reduplicated with -i- + Root + -se/o, e.g. meno /mimnso, think, the Reduplicates here are called Terminatives.
NOTE. Although the Iterative-Intensives, Desideratives and sometimes Terminatives were not generally extended to the Northern Dialects, we consider it an old resource of the IE II, older than that of the opposition Present-Perfect. We therefore include this dialectal feature in the global system as a possibility with already known vocabulary, although not as a general way to create new words from Basic Verbs.


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Size: 8" (20.5cm)
Limited Edition of 2000
"There's always room for one more bear (or cat or dog...!)"
Tito MiniMo is made from a lovely mixture of soft mohair in orange, black and pale peach. His cute padded paws are delicately shaded with peach and grey to match his fur, with black and orange stitched claws.
Tito is a fully jointed miniature teddy bear and all hand-made right down to his bell necklace on a beaded thong. He has a very sweet orange and black stitched nose and wears a triple ribbon of orange, black and white.
Each MiniMo bear comes in an embroidered drawstring bag.


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July 19, 2011
Letter to the editor of the Sudbury Star re: Anti-Abortion Rhetoric is Too Much to Take
To the editor,
When my mother was pregnant, she was asked if she wanted to abort me due to certain medical circumstances. My mother bravely chose to carry me to term. I remain forever grateful to both my parents.
I am a woman under thirty. I am a lawyer. And while I don't fit the stereotypical profile, I am passionately pro-life.
I believe an unborn child is alive because it is growing. I believe that an unborn child is human because its parents are human and it has its very own human DNA. And I don't believe we should discriminate against humans because of their size, stage of development, location (womb) or degree of dependence on another. Any of those characteristics can describe all of us, at one point or another during our lives.
The reality is that abortion is a controversial topic, and one about which most Canadians often are woefully uninformed, despite holding strong views. According to an Angus Reid poll conducted in 2008, 92% of Canadians were not aware that abortion is legal through all 9 months of pregnancy in Canada. In Canada, a child can legally be aborted for any reason, including sex-selection. In most cases of sex-selection, largely due to cultural preferences, it is baby girls who are being aborted.
Abortion is a fair topic for public policy debate and discussion. As recently covered in Maclean's and the Economist, the practice of abortion is having an impact on our country and the world at large.
And while it's easy to make broad, inaccurate, over-generalizing statements about pro-lifers (or label them anti-choice for that matter) or our message, this is a topic that can and should be rationally discussed and debated in our society.
Let's kick the simplistic rhetoric to the curb and have a real conversation.
Faye Sonier is legal counsel with The Evangelical Fellowship of Canada. Faye was born and raised in Sudbury, and now practices law in Ottawa.
Outgoing Letters
EFC President Bruce J. Clemenger writes regular commentaries about public policy issues. The EFC magazine Faith Today often publishes articles and essays that examine such issues.


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Servicing the Central Coast
Call Us For A Free Quote
(02) 4388 5706
About Us
Gutters & Leaf Guards
Contact Us
For Central Coast roofing & guttering
We get it right first time every time.
Our Central Coast roofers specialise in installing durable metal roofs. Roof restoration, re- bedding and pointing services are available, and our team can provide tile to metal roof conversions.
We install aluminium gutter protection systems, as well as repair or replace existing gutter systems. Our Central Coast guttering work also includes fascia replacements and Colorbond flashing.
Leaf Guards
A leaf-filled gutter isn't just ugly, it's a fire hazard. At Coast Metal Roof & Gutter, we can install efficient and affordable leaf guard systems after we have given your gutters a thorough clean-out.
At Coast Metal Roof & Gutter, we provide comprehensive roofing, gutter clearing, fascia replacement as well as leaf guard and downpipe installation services at affordable prices.
When you choose Coast Metal Roof & Gutter, you can count on:
Quality workmanship
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Our Central Coast roof and guttering professionals only install products from trusted brands and always up-to-date with the latest industry developments.
Don't let your old roof and worn-out gutters harm the style and safety of your home.
Call the professionals at Coast Metal Roof & Gutter today
Trusted Brands
To provide you with value for your money, our Central Coast roofing and guttering products are sourced from the following renowned brands:


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AN ACT Relating to defining dyslexia as a specific learning disability and requiring early screening for dyslexia.
Defines "dyslexia" as a specific learning disorder that is neurological in origin and characterized by unexpected difficulties with accurate or fluent word recognition and by poor spelling and decoding abilities not consistent with the person's intelligence, motivation, and sensory capabilities, which difficulties typically result from a deficit in the phonological component of language.
Read moreWashington – 2017-2018 – SB 6162 – Dyslexia Definition & Screening


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WaterSaver Faucet Co. is proud to announce that we received the Small and Mid-Sized Manufacturer of the Year Award at the Fourth Revolution Awards ceremony! Our thanks to #mHUB, #IMEC and #UILabs for hosting such a wonderful event!
"As a Chicago-based manufacturer for over 70 years, we are very proud and gratified to have received a Fourth Revolution award. The award recognizes the accomplishments of our 240 people to make innovative, high quality products for our customers. It also recognizes the commitment we have made as a company to stay and invest in Chicago and be responsible members of our community," from WaterSaver Faucet Co. CEO, Steven Kersten.
WaterSaver Faucet Co. is proud to announce that we received #FourthRevolutionAwards. Thanks to #mHUB, #IMEC and #UILabs ! pic.twitter.com/dkH1PF645U
— WaterSaver Faucet Co (@watersaverlab) October 19, 2017


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Humidifier installation
Heating & Air Conditioning review in Toronto
A few years ago, Renato did an amazing job installing a new furnace, hot water heater and air conditioning unit. Based on the dryness in my home, I wanted to look into installing a humidifier. Renato was of course my first call. He did the work quickly, was exceptionally tidy and was as wonderful as I remember.
Was this review helpful?
- Company Response
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It's been a tough start to the season for Emre Can.
After being given an extended break after the Euros he was behind some of the other players in terms of fitness and was forced to sit out the first few league games.
He was then given a run out against Burton Albion the the League Cup second round, but he picked up an unfortunate ankle injury and missed another few weeks of training and matches.
Those circumstances, combined with how Jordan Henderson, Gini Wijnaldum, and Adam Lallana have struck up an understanding in the midfield three, have conspired to keep him out of the side.
Alas, Lallana is now a doubt for United next week, so there could be hope of a return for the German.
Regardless, he has vowed to return to the first eleven as soon as possible – calling himself a "bad watcher".
"I am a very, very bad watcher!" he said (official site).
"I haven't played so many minutes this season but of course my target is to play a lot of minutes again.
"It is always better to play and be on the pitch. For me, it has been a little bit unlucky so far this season because I came back a little bit late and had a very short break after the Euros.
"Then I came back and got an injury. The team did very well and then I came back and it was not easy to get back into the team.
"Now I have to continue the work, I have to work hard. And I am confident enough that if I am ready and fit, I will play one day."
Would you play him vs United? Let us know…


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Facebook Steps Up Measures to Stop Discriminatory AdvertisingBy Nyasha Jernigan In Social Media, Social Media News Brief, Social Networking
After Facebook was criticized for having different advertisements for housing and employment that were excluding people of ethnicities visible on their site, Facebook announced in November that they would be making changes to fix this. We are finally beginning to see the new changes rolling out now. Facebook has updated rules for advertisers stating that ads should not be discriminatory. They've also added some new tools to prevent discriminatory ads from going out on their website.
The first part of Facebook's update actually changes the advertising policies for the website to make it clear to advertisers that this kind of advertising practice will not be allowed. They have added a section which not only outlines the new anti-discriminatory policy, but also provides advertisers with a range of resources from government agencies and civil rights groups to help further educate advertisers on the subject. As advertisements for housing, employment, and credit opportunities that exclude groups on the basis of ethnicity are in violation of federal anti-discriminatory laws, these are the ones that Facebook is currently targeting the most.
In addition to the changes to advertising policies, Facebook has implemented some new tools that will flag advertisements that might be in violation of the policy. These tools evaluate the ad to see if it is about employment, housing, or credit opportunities and prevent the ad from appearing on Facebook if it is found to be an ad like this that is using multicultural affinity targeting as well. The information about the violation is then sent to the advertiser.
While these new tools target specific ads and keep them from showing up on Facebook if they are in violation, advertisers still have ways to appeal these decisions. Since these tools might not identify the subject of the ad properly, advertisers will be able to request a manual review if they feel that their ad is being wrongfully blocked. Facebook's new policies and tools are just the start to preventing discrimination in advertising on their website.


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The OAA biannual conference, ACT III – Beyond the Standards offers a professional development opportunity to engage community mental health clinicians in advancing results based, best practice methods and knowledge to provide answers to those challenging questions. Attendees will participate in 30-36 workshop sessions ranging from 60 minutes to three hours as well as poster presentations. Registration will be capped at 500.
Workshop and Poster proposals are invited from clinicians, administrators, community partners, emergency service providers, individuals with lived experience and families, primary care, researchers and students that encompass the complex and challenging work in community mental health.


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How low will they go? Mortgage rates today for 30-year fixed loans fell 2 basis points, while 15-year fixed loans fell 4 basis points and 5/1 ARMs dipped by 1 basis point, according to a NerdWallet survey of mortgage interest rates published by national lenders Wednesday morning.
The trend of lower mortgage rates is likely one reason mortgage applications rose 1.5% from the previous week, according to data from the Mortgage Bankers Association's Weekly Mortgage Applications Survey for the week ending April 7.
While refinance applications remained unchanged from the previous week, purchase applications were up 3%. Also, rising home prices helped push the average loan amount for purchase applications to $318,700 — the highest level in the survey's 27-year history.
MORTGAGE RATES TODAY, WedneSDAY, APRIL 12:
(Change from 4/11)
30-year fixed: 4.18% APR (-0.02)
15-year fixed: 3.56% APR (-0.04)
» MORE: How much home can you afford?
Homeowners looking to lower their mortgage rate can shop for refinance lenders here.
NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.
More from NerdWallet
Cost of living calculator
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Deborah Kearns is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @debbie_kearns.


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January 5 at the Van Abbemuseum: Artist Eva Olthof (DAI, 2011) will give a guided tour through her own exhibition: Return to Rightful Owner.
From 16:00 - 17:00. Starting point: the Van Abbe library
In her new installation Return to Rightful Owner Eva Olthof invites visitors to think about the thin line between the privacy of reading and the public space of a library. She combines ideologically loaded texts on the facades of libraries with the politics of forgetting, remembering and citing. The starting point of the installation and the eponymous book is the complex political history of the American Memorial Library (Amerika-Gedenkbibliothek, AGB) in Berlin. This was the first American style "open access public library", founded in the 1950s as a gift to the inhabitants of West Berlin. For the first time different sorts of literature were made available there for every layer of the society . Its location, right on the border of East Berlin, was also aimed to attract the inhabitants of the Russian part of the city. Eva Olthof's installation forms a link between memories of the American Memorial Library and the individual, and raises questions about privacy and freedom today. This exhibition presents a new installation, which was created especially for the space of the Van Abbe library, together with materials linked to the publication.


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How many jh – Juggalo Holocaust members will attend this year?
Gathering of the Juggalos Tickets ON SALE APRIL 2nd
The moment the doors closed on the 2009 Gathering of the Juggalos everyone was already asking what sort of plans Psychopathic Records had in store for the 2010 Gathering of the Juggalos! The event is just so fresh that people can't wait for the next one! All that music, chaos, and family love in one spot for four big days? We can't blame anyone for being excited!
On Friday, April 2nd tickets for the Gathering of the Juggalos will be up for sale on hatchetgear.com! It will, once again be returning to the always dope grounds of Cave-In-Rock, Illinois from Thursday, August 12th to Sunday, August 15th.
Anyone who has been to a previous Gathering at Cave-In-Rock can vouch for how off the chain this location is. It's nothing for miles around, and no one to disturb. It's just you, the great outdoors, and thousands of Juggalos ready to have themselves a fucking good time!<!–
While it might be too early to have any details set in stone, you know that the usual suspects of Psychopathic Records will be at the Gathering. The Insane Clown Posse, Twiztid, Blaze Ya Dead Homie, ABK, Boondox, AMB, DJ Clay, and Mike E. Clark! You never who or what else is going to show up, but you know it'll only be the dopest that Psychopathic Records can find!
There will be tons of huge shows going on, and lots of concerts to keep you busy. Parties will be happening every night, and all night so make sure you have enough
Faygo to keep yourself going! There will be contests, autograph signings, superstars and legends making appearances, and JCW Wrestling! The list of everything you can look forward to goes on for miles, and you know it will only get bigger as the days tick down!
So, make sure you're ready on Friday, April 2nd to grab your tickets to the 11th Annual Gathering of the Juggalo, and we'll see you all there!
HATCHET HERALD EXCLUSIVE: After some deep down low detective work the Hatchet Herald reporters have dug up the ticket prices for this years Gathering of the Juggalos so you can come correct on April 2nd. They are as follows:
Gathering 2010 Ticket: $150
Gathering 2010 Ticket Bundle
(5 for the price of 4): $600
2010 Flavor Pack: $180
This Flavor Pack Includes
1 Gathering 2010 Ticket
1 Flex-Fit Ball Hat
1 T-shirt M-XXXL
2010 Flavor Pack: $185
This Flavor Pack Includes
1 Gathering 2010 Ticket
1 Flex-Fit Ball Hat
1 T-shirt XXXXXL
Gathering 2010 Big Baller Campsite: $350
Gathering 2010 Car Pass: $75
Gathering 2010 RV Pass: $100
To ALL JH MEMBERS ATTENDING PLEASE CONTACT http://www.planet-lotb.com/forum/


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In the past year, Oak Cliff neighbor Opal Salas lost her job and one of her best friends. But she and her husband Carlos are giving back to the Oak Cliff literary scene with a new bookstore, Cliff Notes Prolonged Media, which is expected to open the first week of October.
"I believe in me. Do you believe in me?" Those are the now-famous first lines of a speech that Oak Cliff 6th-grader Dalton Sherman gave last year. The speech is so popular on youtube that Sherman has appeared on "Oprah" and "Ellen" to talk about it. Last week, the "Today Show" did a story about him.
We all know them: Those neighbors who go above and beyond to make our neighborhood a better place. They're the people who regularly pickup trash at the park, just because it's the right thing to do—and the people who still volunteer at the nearby school, even though their kids are already grown. If you know an unsung hero in our neighborhood, send us an email telling us who fits the bill, and why.
Whether you're in search of a nearby pet sitter or a neighborhood church, you can find it here on our new Storefront. It's just another way Advocate keeps you covered with all of our neighborhood's news, happenings, deals and finds. So feel free to browse our listings — or add your own listing there for others to see.


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here comes 20 year old Israeli loudmouth Danielle!
you just HAVE to look at her - she's the camera's and microphone's best friend and writes loud songs about her unfulfilled phantasies - wants to be crushed ('Crush me') - and never wake up (I don't wanna wake up'), somehow 'Jimi Hendrix meets a techno DJ' or similar might come into your mind when you listen to the tracks, or is it just the next phase of girliepunk?
Born in New Orleans, grew up in Texas and then moved to Israel where she spent her last 10 years. Having quickly become a national heroine with the no.1 hit 'Rak Ani/Only Mine' she 's now seriously bound to conquer the globe - and turn it upside down.
She's a hurricane on stage and a brat in real life she - despite her young age - celebrates the bad, dirty and insane side of life with every necessary move.


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The repair kit should be used as a temporary solution only.
Available with:
Gelcell, Gelcell G2, CoolCell
Code: RPK005
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DD plans for multiplex transmitters at 630 locations for SDTV, HDTV, and mobile TV
NEW DELHI: Doordarshan has drawn up a long term plan to have a 'multiplex' of five transmitters each at 630 locations to provide a competitive platform.
Each of these multiplex transmitters will have two for standard television, two for high definition TV, and one for mobile TV services.
Stating this in an action-taken report to the Parliametary Standing Committee on Information and Technology, the information and broadcasting ministry has said it is in discussion with the department of telecom for release of more spectrum.
The I&B Ministry has asked the telecom department to give spectrum for various broadcasting services in the UHF Band V since the frequency band 700 MHz – that is, 698 to 806 MHz – has been earmarked for international mobile telecom services by the World radio Conference 2007.
As part of digitisation of its terrestrial networks, DD is planning to set up 630 digital transmitters which comprise 230 high power and 400 low power transmitters. Projects for establishment of forty digital transmitters (SDTV) and four high definition digital transmitters have already been taken up under the Eleventh Plan.
It is felt that in view of its long-term plans, the total spectrum requirement of DD will be met in Band-IV (470-582 MHz) and eight channels in Band-V (582-646 MHz).
DD also has frequency assignment in 700 MHz band in two carriers: (745 MHz and 795 MHz each with a bandwidth of 20 MHz for mobile video link and Channel 54 (734-742 MHz) for digital terrestrial transmitters (DTT) in the four metro cities.
Furthermore, the Ministry says it is estimated that at least 96 MHz of spectrum will be required for four operators to start mobile TV services.
The Ministry has also pointed out that under NFAP (National Frequency Allocation Plan) 2008, the frequency band 585-806 MHz is predominantly for broadcasting services including mobile TV.
However according to the draft India Remarks for NFAP 2011, it was suggested that the UHF Band V be bifurcated with 585-698 MHz going to digital broadcasting and 698-806 MHz be given for IMT applications.
Following the note by the I&B Ministry not to bifurcate this frequency, a committee has been set up with officials of the department of telecom and I&B Ministry.
When it was revealed that the frequency band 625-675 MHz is being given to the defence ministry, it was pointed out by I&B Ministry that this disturbs the entire band and therefore the defence ministry be asked to relocate its frequency beyond 646 MHz so that the broadcasting spectrum remains contiguous.This matter is now with the Empowered Group of Ministers on vacation of spectrum.


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Series: Time & Again Antique Shop Books #1 #2 #3 #4
Published by Vanity & Pride Press on February 9, 2019
Genres: Historical Romance, Time-Travel
Pages: 230
Format: Paperback
Source: Gifted
Buy on Amazon
All four Time & Again Antique Shop Series in one fabulous paperback where the 1940s meet the present through a time-slip wormhole. Share the romantic and exciting journey with history's favorite literary couple from Pride and Prejudice.Romance, history, and memories of old are only part of what makes the 130 year old Time & Again antique shop so special.For Lizzy Bennet, what begins as a simple visit to Time & Again turns into so much more than discovering trinkets from the past. An unlikely friendship forms with the elderly shopkeeper who sends her on a journey of a lifetime─through a time portal. Love and lessons await her when she leaves her mobile device behind and finally looks up. Travel with Lizzy back to wartime 1940s─where her heart opens and future changes thanks to one dashing G.I: William Darcy and the magic of an antique shop.
A modern woman, cynical about love, finds herself outside a quaint antique shop when left alone on Valentine's Day. The magic begins when she enters the shop and discovers the plastic red heart pin in the 1940's display that whisks her back to a time of warbonds, ration cards, USO dances, and a nation at war for an unforgettable Valentine's Dance and Kiss.
Seasons in Time is the compilation of the Time and Again Antique Shop novellas. Valentine's Day, Memorial Day, All Hallow's Eve, and New Year's Eve are the holiday settings for the ongoing tale of a fated romance, family antics, and the revitalization of a little antique shop and the rundown east end of town.
It had a lovely nostalgic, sweet, and sassy feel. The time travel aspect was magical rather than sci-fi and the Antique Shop setting was fun and whimsical. Doris, the shop keeper, is a lady of mystery and the reader and Lizzy are aware that she knows more than she's telling as events unfold. She guides Lizzy and Will, Jane and Charles and many others to find their true path in life in a kind, grandmothery way. Her story reveals itself in the background of the stronger story of Lizzy and Will.
Lizzy is the primary character though Will and Doris get their moments of telling the story, too. Lizzy is a vulnerable person who hides a good amount of pain and fear behind the face she shows the world. Her life hasn't been horrific, but there is a quiet pain that comes from a father who neglects his family and a mother who picks favorites followed by a scumbag ex who cheated on her with her twit of a baby sister. This all starts to change when she enters Doris' shop and steps back in time to have her eyes opened to the possibility of love and a confidence to reach for it.
Will is a dashing soldier hero who comes from a prestigious wealthy family, but he is no snob and is a natural caregiver and protector. He takes one look at Lizzy and he feels the connection. He is patient with her fears and her vulnerability and he is more than patient with her obnoxious family. He's a bit wartorn from his tours overseas as an Army Ranger. He has his own vulnerability and it is Lizzy who anchors him. He needs her and it was good to see.
The author did her homework when it came to the 1940's and war backdrop. The slang was fun as were all the little ways that the scene was drawn behind the characters. The Big Band Era was well repped in songs and dances.
All in all, it was heartwarming and sweet with a pinch of spice. Fans of Jane Austen will spot the tribute to Pride & Prejudice in this engaging, uncomplicated time travel romance that I can see being a pleasure for many readers.


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Mobilink Jazz has revamped their youth brand Jazba reping in Atif Aslam as their brand ambassador. Atif Aslam youth's favorite pop icon, has done an executive song for Jazba as well as a TVC.
The "Juro Gey Tu Janu Gey" song is said to be based on Atif's true story of overcoming all odds to achieve his dream of becoming a outstanding musician.
Here below is the YouTube link of this song:
The website of Jazz Jazba has also been re-done at www.jazba.com.pk.


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Second Wind: Artie Giles
Artie Giles of Dallas has cared for others for much of her life, but it was her own encounter with illness that spurred her to take care of herself, too. In August, at 85, Giles fulfilled a lifelong dream by earning a master's degree from Grace International Seminary, an independent school with campuses in Dallas and Detroit.
Read Artie's inspiring story from the Dallas Morning News Senior Living section here.


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Series: World history
By Jane Chisholm
A gorgeously illustrated guide to the history of the world, from wars and revolutions to ground-breaking inventions, discoveries and artistic movements. With over 3,500 key dates from the Stone Age to the year 2000, organised geographically so readers can compare what was happening in different parts of the world.
"Highly recommended."
The School Librarian
Jane has worked at Usborne Publishing for over 35 years, joining the publisher in Covent Garden – before the tourists came – where their offices looked onto the grand dining rooms of the Garrick Club. She grew up in the middle of a forest in Sussex, where she and her siblings spent their childhood building tree houses and pretending to be the Famous Five, and in cities all over the world from Berlin to Moscow to Singapore. Before university, she spent a year in southern Africa, mostly in Botswana, assisting the social worker in a small town and camping out in the Kalahari Desert. A graduate in history, as Editorial Director at Usborne, she oversees a large team working on children's books about absolutely everything.
"There are many excellent world history books on the market, [but] this one is quite unique in its scope and presentation. Highly recommended for children."
The School Librarian
Visit Usborne Quicklinks for links to websites where you can investigate key events from world history including the Industrial Revolution and the Slave Trade, meet important figures and examine art and science through the ages.


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The 2018 Campuses for Environmental Stewardship (CES) program will train college faculty from 16 baccalaureate degree granting colleges and universities in Connecticut, Maine, Massachusetts, New Hampshire and Rhode Island to develop and deliver courses which partner with community organizations to address pressing issues such as environmental stewardship and STEM education.
Through this three-year initiative, over 60 faculty members working in multi-disciplinary teams from 16 campuses across 5 New England states will embed community-engaged environmental education into a course of any discipline. Selected campuses will deliver 3-4 related service-learning courses. Each course will culminate with a student-led community initiative and/or presentation.
Teams will receive training in service-learning pedagogy and apply this interdisciplinary model to create community partnerships and address critical environmental stewardship challenges across 5 New England states.


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Soldier Sound Records CEO/Recording Artist, Pettidee is still gaining momentum on his latest album, "Race 2 Nowhere" the first single "The Ghetto" has already been a top ten single on the CMW Rhythmic Charts as well as #1 on many radio programs across the United States and around the globe! This week August 12th 8pm est on Da South.com, Pettidee will be doing a live online chat with fans worldwide to discuss the new album, "Race 2 Nowhere," issues surrounding this generation of youth, the state of Christian Hip Hop, the future of Soldier Sound Records, and he will be answering hundreds of questions from fans worldwide. Plus, as an added bonus Pettidee is world premiering the new music video,"The Ghetto" so tune in to be in the know of what's happening in Petty's world! Be sure to check out www.soldiersound.com and www.youtube.com/soldiersound to see the "behind the scenes, making of footage" for "The Ghetto" music video it will give fans a chance to be there from the beginning to the end of the making of a classic.
Be sure to sign up for Pettidee's new social website, www.pettyville.com where artists and fans can post music videos, photos, songs, or chat. Also late in September there will be a video shoot for the song, "My Friend" produced by Ricky B of B4 Entertainment.
Pettidee had a song chosen by Interlinc, a ministry based in Franklin, TN that assists youth leaders in getting current Christian music of all genres to their students. www.interlinc-online.com Pettidee had the song "My Friend" chosen to be a part of a Bible study for students included in the Youth Leaders Only Music Resource Book Summer 2010 plus, he is on their cd/dvd sampler which are sent out to over 15,000 youth leaders across America!
Pettidee has been out on the road touring this summer promoting "Race 2 Nowhere" and seeing youth all over the United States come to know Christ! He was recently in Norfolk, VA at Believers House where the youth groups came together for a night of great music and the message of hope. Pettidee said, "they were definitely feeling the music and showing me a lot of love!" On August 26th-31st Pettidee and Lil Prophet are heading to Zambia, Africa on a mission trip to minister, do interviews, and perform live. Pettidee and the Soldier Sound Records roster are also gearing up for a tour this fall in October, November, and December.
Pettidee "Race 2 Nowhere" is the sixth album from the Christian Hip Hop veteran. Pettidee speaks of the new style on the project in this manner, "Quad-Rock will be the new sound for 2010 so get ready we are coming with a sound that will be unmistakable; it's not a fad we are the trendsetters this time because it's all about making music with excellence for the Kingdom!"
- Go the website: www.lifelineworldwide.com
- Click on Register and create a User Account
- Click on MEDIA at the top of page to access the FREE DOWNLOADS
- Thank you very much for spinning PETTIDEE "THE GHETTO" & "RACE 2 NOWHERE SNEAK PEAK!!"
To keep up on the latest news or tour information check out Pettidee's websites:
www.soldiersound.com www.pettyville.com www.myspace.com/pettidee www.youtube.com/soldiersound
www.sonicbids.com/pettidee www.facebook.com/pettidee www.twitter.com/pettidee


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Liquid Washing Homogenizing Mixer
The product application
Skin care products: Facial cream, body lotion,BB cream, essential oil,etc. Make-up products: Lipstick, lip gloss, eyeshadow, marscara, powder, nail polish, etc Food industry products: Honey, chocolate, salad dressing, tomato sauce, syrup, mayoonaise, etc. Chemical industry: Graphere, pait, printing ink, suspension, etc. Daily chemical: Liquid soap, dishwash, shampoo gel, liquid detergent, etc.More


text: If you're seeking the spot in which you'll spend your golden years, clearly you want a place that's appealing and has a community of people with whom you can connect with and authentically call neighbor or friend. Or maybe you're a couple and your brood has moved on to start their own lives and you no longer require the comfort of a large. Not considering your situation, there are many condominiums geared towards the 55 and over crowd which we can assist you in finding.


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This post is for any woman who is in a dark and challenging place right now because she has dared to begin to listen to her own voice, to hear her own desires, to voice her deep truths and to want to become the writer of her own story.
Sometimes, this journey is a choice we make. And other times, it is put upon us by circumstances beyond our control.
Being in the space of questioning everything, desiring everything, being courageous enough to face both fears and mightiness, standing alone and asking "What do I want?" without looking to others for approval or direction, is a scary, lonely, dry and hopeless feeling place.
So, to you, brave warriors – if you are in darkness now, please don't think you are wrong. You are not.
If your husband doesn't need what you need, you are not weak.
If your friends don't seem to want what you want, you are not damaged.
Even when you wonder if anyone else feels the way you do, you are not wrong.
In your darkness and in your doubt, you are not wrong. You are not crazy or unable. You are a warrior on a quest.
Here's what I wrote to myself when I was inside a dark journey.
Invite in the aspect of you that is your most compassionate nurturer, your mother, your fiercest advocate. Gather yourself up in your arms and gently rock back and forth.
Welcome in your rebel, your agitator…unleash she who goes one way while everyone else goes the other way.
Unleash your sassy rockstar superpower goddess who knows that nothing is wrong with her. The one that wouldn't change a thing about herself and thinks she is perfect just the way she is.
Turn to your own wisdom inside. Listen to the one who has been there, through it all. The part of you that sees and knows all. The part of you that knows you deeply, fully and completely. She is not your enemy. She is your best friend, your heroine, your saviour.
Trust yourself so fucking deeply that you turn away from the experts and write the guidebook to your own life.
Part of being on a dark journey sometimes means not being with the crowd, the friends, the advice, the experts, the magazines, the self-help books, the courses, the workshops. It means being in the dark alone. Turning towards yourself with faith and love and holding on.
It means being your own light.
You are not wrong. Your courage to look inside your shadows and see beauty and promise, your courage to feel and see your truth, that courage is you being in your warrior.
So, if you are swimming in questioning and everyone else seems to be swimming, happily, the other direction, you are not wrong.
If your children don't understand you, if your husband doesn't get you, if none of your friends seems to understand what you are talking about, you are not wrong.
If you have the courage to stand inside your own heart, to be still inside your own struggles, to stop and FEEL your self, you are not wrong.
You are so right on.
You are not wrong or broken or weak or crazy or selfish or stupid or a complainer or a whiner or emotionally unstable.
You are a fully-alive, red-blooded, yearning, magical, imperfect, glorious, human and divine woman.
When it is so hard to be your own light, if you can, remember that you are not alone. Behind you is the lineage of women who came before you – the women who survived wars, famines, tragedies, heartbreak, loss, family ruptures, broken marriages, moves across oceans into new lives, financial ruin. These are the warrior women of your line. There are women in your line who dared to go their own way. To face their dragons to get to the gold. Women who let themselves hear their own truth…and honour it. Even when it was difficult. Or rebellious. Or forbidden. So you are not alone.
I'll end with the following quote from "Coming Home to Myself" by Marion Woodman with Jill Mellick.
"Ursula LeGuin, in a commencement speech given years ago (you can read the full speech here – it is unlike any commencement speech I have ever read before) to the women of Mills College in Oakland, California, emphasized that women grow things in darkness, not in light. It is darkness – with it's secrets, earthiness, and joys, with its pains, losses, and despair – that we celebrate. The woman who takes the time to grow herself in the darkness becomes familiar – perhaps for the first time – with the real source and containment of her psychic strength. No longer is her strength dissipated in obeying an idealized father figure, in pleasing a lover, in trying to satisfy a perpetually unsatisfied mother figure, in accomodating to a patriarchal organization or culture, in appeasing the inner witch who tells her she is worthless. No longer is her strength lost to obeying compulsions, drives, and obsessions that can slip in during the dark night of the soul and substitute for the real thing.
And what is the real thing, the thing for which she longs? The love affair with her own spirit, the inner marriage that commits her to her destiny, the rituals of soul that feed her deepest hunger, and the sense of being pregnant with her Self, her creative essence."


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Sundary Snicketts
Or - A series of Unfortunate Events..
Now slowly over the hill and finally logged in to Blogger ...
I have now lived on "thayir saadam" (rice mixed with plain yogurt) for 7 straight days.. Any more thayir saadam and I will go nuts. (If you are a PG Wodehouse fan, please read "The nodder" or "Juice of an Orange" in Blandings Castle . .. it is a Mulliner Tale and it just about summarizes my state of body and mind !).
On to good things . . .
For those of you who came to this site only to find no updates, I apologize..
To leave you on a lighter note , here is a conversation that happened recently at home..
We had some discussion / argument with our daughter.. In an attempt to patch up,
Me : Its okay kiddo.. I love you. I am your daddy.. you have to listen to me.
Jr : Its okay daddy. I am your daughter. I love you too.
(my wife walks in and she is still upset with Jr.)
Jr : Its okay mommy. I am your daughter. I love you.. (and my wife smiles)
then my mother in law walks in..
Jr : Its okay Bombay ! I am your daughter too.. I love you !
we all burst out laughing.
Jr. used to call her grandma Bombay patti (bombay grandma) , then it has been shortened to just Bombay !! and now she is calling her "Bom" !! Laziness rules I guess.


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Had i not have the early financial education that i had now, I would most probably bought some of these from my adviser friends or the pretty advisers at bus interchanges.
The problem is that it might not be the form of "Protection" that they are touted to be. I have a colleague who asked me if this is a good plan.
Might as well take this opportunity to come up with a checklist to evaluate endowments for a person.
1. Evaluating your needs
What are your insurance objectives
Chances are if you are evaluating an endowment, you should have at least 1 adviser, if not more than one that have done some form of needs analysis with you. They might evaluate that you need some of the following (if not all, if the bloody ass scares you with all the doom case scenario) :
- Life Insurance (Term, Whole life or Limited Whole Life)
- ILPs
- Disability Income
- Personal Accident
- Hospital & Surgical
- Other General Insurance
In my previous article on my insurance philosophy, I have written extensively on some of these. Do take a look to get a better vantage.
Knowing clearly your plan is important so that you can evaluate and decide clearly. If you don't you might be stabbing in the dark and that certainly isn't a very nice way of evaluating something that will eventually set you back tens and thousands of dollars.
What you have already been covered
Endowments are essentially savings, but it is recommended that you take care of hedging the majority of your immediate needs before proceeding to endowment. Not spending any effort hedging for your dependents and against large hospital bills can be very detrimental. Your savings that you bought now will not save your dependents or yourself in some of these scenarios.
My advice is to choose the most cost effective plan to cover after evaluating the cost and benefits.
In most cases endowments might not be the most immediate needs. If you believe you have all these planned out, then we can move on.
What are you looking for in this plan?
Take some time to write down what the adviser said about why you need this plan. Or for the matter, why did you approach the adviser in the first place.
If it is for protection, then i am afraid this plan might not cover your needs. True, it might have protection against death and TPD, you will still need critical illness coverage. A life insurance might be more suitable for you then an endowment.
If it is for savings and protection, I still think a limited whole life or whole life is a better option when you compare the rate of return. (Note: I prefer term insurance and savings on my own)
If its purely for investments and savings then we can proceed to the next section.