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Tax Planning
Minimize the Effects of Taxes Through Year-Round Planning
Paying only the taxes you truly owe makes perfect sense. Yet many investors essentially miss the opportunity to reduce their tax burdens by not planning ahead.
Minimizing the effects of taxes calls for year-round planning – planning that begins with an in-depth understanding of your financial situation. That's where Raymond James financial advisors can help. We can assist you with creating and monitoring a financial plan that is sensitive to tax issues and that can adapt to changes in your lifestyle or tax laws. As you review investment alternatives and services for your portfolio, you may want to consider tax-advantaged solutions that are targeted to specific segments of your overall financial plan.
Retirement Planning
The solvency of Social Security continues to be a major concern for Americans and having personal savings to rely upon in retirement has become more important than ever. Of course, making contributions to any company-sponsored retirement plans for which you may be eligible is a good idea, since doing so helps you save while reducing your taxable income. In addition, exploring other tax-advantaged alternatives may also help you prepare for the future while providing current benefits.
Individual Retirement Accounts (IRAs)
IRAs are investment plans designed to encourage retirement planning and savings. You can direct funds to virtually any investment alternative through a self-directed IRA, enabling you to balance your current financial needs with retirement savings objectives. Up to $4,000 may be contributed annually to all combined IRAs in 2006, with those aged 50 or over eligible to add an additional $1000 "catch-up" amount, bringing their annual total to $5,000.
Traditional IRAs
Anyone under age 70½ with earned income can contribute to a traditional IRA and some taxpayers can receive a full or partial deduction for their contributions. However, there are several distribution regulations:
- Required minimum distributions must begin by April 1 of the year following attainment of age 70½,
- Ordinary income tax rates may apply to the entire distribution, including the original tax-deductible contribution and earnings, and
- A 10% penalty applies to distributions made before the participant is 59½, with certain exceptions.
Roth IRAs
In contrast to traditional IRAs, Roth IRAs do not limit participation by age; instead, income thresholds – $110,000 for individuals filing singly and $160,000 for married individuals filing jointly – are used to determine eligibility. In addition, contributions are not tax-deductible.
Earnings on both traditional and Roth IRA contributions accumulate on a tax-deferred basis; however, Roth IRA contributions and earnings are tax- and penalty-free upon withdrawal if the participant is age 59½ or older or certain other requirements are met.
As an added benefit for some, Roth IRAs do not require that distributions begin at age 70½; instead, you may continue to defer tax on Roth IRA earnings throughout your lifetime.
Many investors favor tax-deferred annuities because their earnings – including all interest, dividends and capital gains – grow and compound tax-deferred until withdrawal.1 In addition, there is no annual limit to the amount of money that can be put into a non-qualified annuity.
1For both types of annuities, tax-deferral is until funds are withdrawn, at which time they may be subject to income taxes and, prior to age 59 1/2, a 10% federal penalty tax may apply. Variable annuities are long-term investment alternatives designed for retirement purposes. Withdrawals from annuities will affect both the account value and the death benefit. For variable annuities, the investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Guarantees are based on the claims-paying ability of the issuer.
Fixed Annuities
Fixed annuities are insurance contracts that are guaranteed by the insurance carrier to provide a certain amount of money at a specified time in the future. You make a single or series of premium deposits and the earnings on the deposits grow on a tax-deferred basis. When the contract matures, you can elect to continue it, surrender it, or receive the income payment's value and pay taxes.
Variable Annuities
Like the fixed annuity, all earnings in a variable annuity compound tax-deferred. However, rather than offering a fixed-rate guarantee, variable annuities provide a choice of several separately managed accounts and offer tax-free transfers among the portfolios. Therefore, investors may adjust their portfolios to changes in market conditions or to changes in their individual financial objectives.
Investors should carefully consider the investment objectives, risks, charges and expenses of variable annuities before investing. The prospectus contains this and other information about variable annuities. The prospectus is available from your financial advisor and should be read carefully before investing.
Education Planning
529 College Savings Plans
Having gained extreme popularity in recent years, 529 college savings plans offer several unique advantages. In addition to unlimited eligibility requirements, flexible contribution and donor income limits, control of how funds are allocated, and the ability to use funds at any qualified U.S. school and some foreign institutions, federal tax advantages are a major benefit of investing in 529 plans. Earnings grow tax-free and qualified withdrawals are also tax-free when used for qualified education expenses.
In addition, families are generally free to use a plan from any state. However, while federal tax advantages are standard, state treatment varies. Many states don't impose state tax on earnings or on qualified withdrawals from both in-state and out-of-state plans, but that's not uniformly true. Some allow for tax-deductible contributions for residents of the state sponsoring the plan, others don't. In addition, deductions vary.
Of course, with any type of college savings program, there are other considerations. For example, earnings on withdrawals from 529 college savings plans that do not meet certain requirements are taxed and subject to a 10% penalty, so it is important that assets placed in these plans be used for higher education.
Coverdell Education Savings Accounts
Coverdell Education Savings Accounts help pay for the higher education, as well as private elementary and high school expenses, of a designated beneficiary. The beneficiary does not have to be an immediate family member, but must be under age 18. All funds in the account need to be distributed within 30 days after the beneficiary turns 30.
Accumulated earnings grow tax-deferred, with distributions free of tax as long as the money is used for qualified education expenses. In addition, should the beneficiary not need the funds, or if an excess of funds remains after paying for college, the account may be transferred to certain specified relatives of the original beneficiary.
UTMA Accounts
The Uniform Transfer to Minors Act (UTMA) may also be an appropriate method to help save for college and assist with tax planning.
Generally, UTMAs are opened by parents or grandparents who act as custodians. The custodian controls the investment and disbursement of funds until the child reaches the age of maturity – 18 or 21, depending upon the state of residence – at which point he or she controls the money.
With the UTMA, almost any type of investment can be made, with growth and income generally taxed to the child. Often, this method of taxation results in considerable savings, as the child – who actually owns the assets in the account – may have special tax advantages over the parents or grandparents.
Estate Planning
Estate planning is the process of naming the beneficiaries to whom you want to pass your wealth while managing the related estate tax consequences. In addition, some estate planning strategies can help you minimize current taxes, as well.
Charitable Giving
Tax law allows for an unlimited charitable deduction to encourage giving. While this deduction has no limit for gift tax purposes, there are limitations on the deductions available for income tax purposes. Through the Raymond James Trust Companies, we can provide several alternatives that allow you to help your favorite organizations while also benefiting your family and yourself.
The Charitable Remainder Trust
Generally, gifts to charities are made in cash, but there can be advantages to contributing highly appreciated assets such as stock or real estate. By transferring these assets to a charitable remainder trust, you can give generously to a favored charity and enjoy several additional advantages, including creating regular income for a period of years or for life, receiving a charitable deduction for income tax purposes for up to five years after the gift is made, and reducing or eliminating estate taxes. One of the biggest advantages, however, is the avoidance of capital gains on trust assets.
The Raymond James Charitable Endowment Fund
A charitable endowment fund can simplify the power of giving by making grants to charitable organizations on your behalf. As a tax-qualified public charity, the Raymond James Charitable Endowment Fund's benefits include:
- An immediate tax deduction for gifts made,
- No capital gains tax on securities held within the fund,
- No estate taxes on fund assets,
- Growth potential for your gifts, and
- Your own private foundation without administrative worries.
The Raymond James Pooled Income Funds
Pooled income funds, also know as life income funds, provide tax advantages at the time of contribution, as well as ongoing benefits. Among the benefits of the Raymond James Pooled Income Funds are:
- Investment income for life,
- Avoidance of capital gains on highly appreciated securities, I Immediate tax deductions, and
- The ability to simply create a legacy of giving.
Gifting of Assets
The annual gift tax exclusion allows you to give a gift of $12,000 for 2007 – in cash, property or a combination of the two – to as many people as you wish each year, without paying any gift tax. If a married couple makes joint gift, the exclusion is doubled to $24,000. This strategy may reduce your taxable estate, but neither the gift nor the gift income to the recipient is deductible for income tax purposes.
Investment Planning
The most common types of portfolio income include interest, dividends and realized capital gains. There are numerous strategies for allocating an investment portfolio to reduce tax obligation; however, it is important to remember that the tax benefits of investments are just one factor that should be considered when establishing an appropriate investment mix.
Interest Income
Interest income is most often associated with fixed income investments, and converting taxable investments such as corporate bonds into federally tax-free municipal investments can dramatically increase an investor's after-tax interest income. In addition, municipal issues are usually tax-free for residents of that state, although they may be subject to local taxes, as well as the alternative minimum tax (AMT).
The key is the "taxable equivalent yield." The taxable equivalent yield translates the yield on a municipal bond into the equivalent yield for a taxable bond, helping you determine which investment makes the most sense for your portfolio.
One of the provisions of the Jobs and Growth Tax Relief Reconciliation Act of 2003 (JGTRRA) included changes in how dividends from domestic corporations and qualified foreign companies are taxed. While, in the past, dividend income was counted as ordinary income and taxed according to an individual's tax bracket, the maximum rate on qualifying dividends has now been dropped to 15% for most investors. For those in the 15% or 10% bracket, qualifying dividends are subject to a maximum tax of only 5%.3
3There are certain rules that apply to this preferred treatment, including minimum holding periods and specific types of dividends that are excluded. In addition, the lower tax rates on dividend income will expire at the end of 2008 unless the changes are made permanent by Congress.
Capital Gains
JGTRRA also made significant changes to the taxation of capital gains. Profits on capital assets held longer than 12 months – or long-term capital gains – are taxed at a maximum rate of 15%. Taxpayers in the 15% tax bracket or lower pay federal capital gains taxes at a 5% rate. Capital gains and losses can be netted against each other to reduce taxable income. Short-term gains are compared to short-term losses and the same method applies to long-term gains and losses. This provides potential for offsetting capital gains, thereby reducing taxable income.
The Alternative Minimum Tax
The alternative minimum tax was created by Congress to help ensure that taxpayers – both individual and corporate – do not escape taxation through creative accounting and "over-use" of tax benefits provided under the regular tax system.
This alternate computation must be used when regular taxable income is excessively reduced by relying on so-called tax preferences. While Congress didn't intend for the AMT to apply just because of realized long-term gains, a large realized capital gain may cause the AMT to apply. Techniques used to lower regular income taxes – such as large exclusions or deductions from taxable income – may also cause AMT consequences.
The AMT is actually part of a separate, parallel tax system with its own rules for determining taxable income, exemptions, deductions and credits. With it, a flat 26% to 28% tax rate is applied to income, adjusted upwards by the preferred items that are used to reduce liability excessively. If this amount is higher than your regular tax bill, you pay the higher amount.
The interaction between the AMT and the regular tax system can make multi-year tax planning difficult. For this reason, it would be wise to consult a tax professional if you intend to engage in any significant tax planning strategy. He or she can help you determine whether you risk triggering the AMT, and help adjust your strategy appropriately. As Raymond James financial advisors, we can also help with any questions you may have about the AMT as it relates to your overall financial plan.
A Team Approach to Tax Planning
All tax planning strategies involve one or more non-tax financial planning implications; the key is taking advantage of those that are consistent with other objectives. Any investment decision should be made with priority placed first on suitability, next on the fundamental economics of the investment and then, finally, on potential tax considerations.
In addition, tax planning is a year-long activity, not simply one that should be addressed immediately before tax time. With our help, as well as the assistance of tax and legal professionals, you can create a financial plan that considers taxes as part of a comprehensive, ongoing approach to help you reach your goals.
Any investment decision should be made with priority placed first on suitability, next on the fundamental economics of the investment and then, finally, on potential tax considerations.


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Welcome to Jetcollector.com
Founded in 1999, JetCollector was founded with the simple principle to provide quality diecast models and excellent personalized customer service. We continue to be guided by that original principle and look forward to continuing to evolve and grow based on feedback and referrals.
We thank all our customers who have allowed us to be their source for their die-cast models and given us the opportunity to help them build their collections. If you are new to us we look forward to serving you however we can.
While browsing our store if there is a product we do not carry that you have interest in please let us know. While we cannot carry everything we rely on our customers to tell us what models and manufacturers are of interest as we are continually adding product lines as we can. Currently JetCollector is an authorized retailer for the following quality die-cast model lines listed below:
Aeroclassics, Century Wings, GeminiJets, GeminiMACS, Hobby Master, Inflight, JC Wings, NG Models, Phoenix and Western Diecast Models in various scales.
Thank you again for giving us the opportunity to earn your business,
Your JetCollector Team

subset: commoncrawl


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Goodreads: http://www.goodreads.com/book/show/18054465-hope-is-my-wingman
Hope is my Wingman by Michael Antcliffe
Book Description
You don't know Michael, but he'd like you to owe him 10 bucks.
Imagine you were told that your life was ending. Would you run off for a last hurrah, or spend every moment with your friends and family?
One incredible man decided that the last 16 months of his life would be dedicated to appreciating loved ones, petting strange dogs and trying to raise a million dollars for cancer care. Along the way, he brought the dreaded C-word, Cancer, out into the open. Join Michael on his journey to make 5,000 Facebook friends, publish a book, meet a couple of Hollywood comedians, and let him show you what living is really about.
Book Review
"If cancer wants to take me it will have to come for me piece by stubborn piece." Michael Antcliffe
Hope is My Wingman is a collection of Michael Antcliffe's Facebook postings and notes written during his battle with cancer, that dreaded "c"word that makes us all uncomfortable. When I began this book, I expected it to be a memoir; instead, it is a series of chronologically arranged messages describing his physical and emotional journey to the end of his life.
Michael created a Facebook page to help raise awareness about and raise funds to fight this aggressive disease that discriminates against no one. It takes a courageous person to reveal and share their innermost thoughts and feelings with not only friends, but strangers as well. I don't know too many people, myself included, who would be willing to do this. He doesn't hesitate to be open about his fears, anger, pain, and also the joys he finds during the last year of his life. Also included are notes written by those whose lives Michael has touched. I cannot help but be awed by this warrior who refused to give in to self-pity and bitterness and chose to fight until the end.
I think one of his major reasons for making his experience public is to take away our fears and discomfort about cancer. I really hadn't thought about it much before, but cancer is one of those topics that we don't always know how to address and deal with. I feel the need to mention that about an hour before I began to read this book, I learned that a member of my extended family has bone cancer. Immediately, I wanted to reach out to him and his parents, but I found myself stalling, just staring at the telephone. I didn't know what to say; "I'm sorry" just didn't seem like enough. I also thought if I called, I might upset them by mentioning "cancer." However, by the time I finished Michael's book, I knew what I needed to do to help his family.
Michael is open and honest in describing what it's like to have cancer and how it's so important that we open our minds and hearts and take the time to connect others. I appreciated his frankness at the start of the book when he admits that before he got cancer, he was like many of us who don't know what to say or do, yet by avoiding the situation, we miss the opportunity to share our love and support with those who need us despite our awkwardness. Michael's story is a gift reminding me to embrace the present and try to live a life that I can look back upon without regret.
Hope is my Wingman is an inspiring read!
I received a copy of this book to review from Split Tree Publishing for an honest review.
About the Author
Michael Jack Antcliffe was born May 13th 1975 in the old McKellar Hospital in Thunder Bay, Ontario, Canada. The youngest of three children (siblings Christopher and Jennifer) in a working- class family, Michael spent his early years raised by his parents, Alan and Mary, in a country setting in the township of Scoble, a short distance southeast of the city of Thunder Bay. He enjoyed a childhood that inspired a love of nature and the outdoors. Michael moved back into the city in time to attend Sir Winston Churchill High School and continued his education at the University of Manitoba, where he stayed and worked as a Youth Care Worker at Jessie Home Inc., for five years following the completion of university. Missing his family, Michael returned to his home town and began earning his way doing home renovations and construction, eventually finding employment with a university friend at First Class Finishing. Always choosing to keep life simple and concentrating on time spent with friends and loved ones, Michael continued to follow this philosophy after being afflicted with malignant melanoma and forced onto disability.
During the last year and a half of his life, Michael explored fundraising avenues and sought to improve the lives of those stricken by cancer whose fight each day is simply to reach the next. He made the most of his time, choosing to spend it with family and friends. Michael's siblings, Christopher and Jennifer still live in Thunder Bay, along with their parents.
Michael Jack Antcliffe passed away on August 18th 2012 at the age of 37. He will never be forgotten.
Author Links
Michael's website: http://michaelantcliffe.com
HOPE is my Wingman on Facebook: https://www.facebook.com/HopeismyWingman
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JEFFERSON CITY — A Joplin man who was appointed to the Missouri Board of Education and then blocked from voting on the fate of the state education commissioner is suing Gov. Eric Greitens in order to remain on the board while discussions continue.
Greitens appointed John T. Sumners to the board in October but after Sumners publicly suggested the governor's staff was pressuring him to vote to remove Margie Vandeven from her job, the governor rescinded the appointment and instead nominated Jennifer Edwards of Springfield.
The lawsuit filed Tuesday in Cole County asks for a temporary restraining order to allow Sumners to participate in board meetings, while removing Edwards from the board.
Greitens rescinded Sumners' appointment without written notice or a hearing. State law says education board members can't be removed by the governor "except after written notice and hearing on charges of malfeasance, misfeasance, or nonfeasance in office." Greitens' spokesman Parker Briden didn't respond to requests for comment Tuesday but has said that the governor's actions were "obviously legal."
The legal action is the latest twist in the governor's efforts to appoint board members who would vote to remove Vandeven, who is strongly supported by education groups and Democratic and Republican state lawmakers. It is still not clear why Greitens wants Vandeven removed, but Greitens appears to want to hire a new commissioner who shares his support for charter schools and other school-choice policies.
Sumners' appointment was rescinded and Edwards was nominated less than 24 hours before the board was set to vote on Vandeven's future Nov. 21. Sumners attended the meeting but was not allowed to vote. Vandeven survived after a 4-4 vote, with Edwards joining those who voted against her.
The board is scheduled to meet again Friday.
Besides Greitens, the lawsuit names Edwards and the seven other board members. The suit alleges that barring Sumners from participating and allowing Edwards to vote and participate in meetings is "contrary to the public interest because it permits her to exercise authority based on a void act by the governor."
Sumners did not respond to a request for comment Tuesday. He told the St. Louis Post-Dispatch that Greitens didn't tell him directly to vote against Vandeven but he believes the assumption that he would vote to remove her was the main reason he was appointed.
"They don't want to be accused of telling me how to vote, so they go through these indirect channels," Sumners said. "If you're not going to play by their rules, they kick you off the team."
The Missouri School Boards' Association said in a statement that it supported the lawsuit "because it is critical that we preserve the integrity of the state Board of Education as stipulated in our constitution and state statutes."
Five of the eight board members were appointed by Greitens during the recess of the Missouri General Assembly, meaning none have been confirmed by the Senate.


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Over time Tom and Amanda have learned to adapt to a life with a special-needs child. According to the CDC "nearly half a million babies in the United States" each year are born prematurely or before 37 weeks of gestation. That number calculates to about 1 in every 9. The earlier the baby is born, the more severe the potential for permanent damage. Duncan is affected with severe visual impairment, hydrocephalus, and spastic quadriplegia cerebral palsy.
Sometimes when we are faced with seemingly insurmountable odds, we find a deeper understanding or develop a new connection to our spirituality. Since Duncan's birth, Tom has done just this. He is a Druid Elder of Old Stone Grove practicing the Keltoi Tradition and also the co-founder of Misty Mountain Grove. In order to strengthen himself and help his son achieve, Tom regularly draws from the wisdom found within these Druidic teachings. He said:
Druidism places a tremendous amount of emphasis on personal responsibility and carries the old Celtic belief that everyone is better than his or her birth. In other words, not only can you improve yourself, but you are obligated to; so some of the first lessons we are taught are "be, do not become" and "do, do not try." Our teaching methods are not methodical, but instead they are experiential. Rather than tell [students] "here is how you do this thing and here is what it means," we will give [them] a tool or a concept, point them in a general direction, and tell them to see what they can do. Then we help [the students] process what they experience. In this way students teach themselves through a path of self-discovery.
How does this particular world view apply to Duncan? In short, he can do anything he wants if we give him the tools to do it, and therefore he should. Nothing is impossible if we keep providing him… opportunities to self-discover, learn, and grow.
With his parents' dedication, Duncan has grown into a bright and energetic child with a dynamic sense of humor. He loves dinosaurs, reading, the mountains, and the beach. He is fond of world music, particularly the sounds of the didgeridoo. For fun and therapy, Duncan rides horses and hopes to become a cowboy when he grows up.
But for now he'll have to be satisfied with leading the Walk for Babies on April 12th through the North Georgia Mountains as the March of Dimes' Regional Ambassador. Tom said,
Since Duncan's survival was due in large part to advances and research by the March of Dimes, [we have] participated in the annual March for Babies since Duncan's first birthday. Each year Team Duncan gets a little bigger and does a little better…Team Duncan is doing its best to make as big a noise a possible
Over the past four years, Team Duncan has raised about $13,000 for the organization. To help with this year's fundraising drive, Tom tried something new. He created a Team Duncan training video for their March for Babies pledge page. "I just figured [that my friends] would get a kick out of it and maybe a few would contribute," he said.
Tom decided to post Duncan's video to the forums on the North American Scottish Games Athletics (NASGA) website. He is an amateur competitor who frequents the site to engage with other athletes. Completely unexpectedly, Tom's video went viral. Highland Athlete Duncan McCallum has uploaded his own video call-to-action:
In addition, the North Texas Kick-Off Games professional and amateur athletes created and posted their own support video:
Tom remarked, "The Highland Athletics community is extraordinarily supportive and friendly. We're all family men and women and everyone wants everyone else to do well. It's a small enough niche sport that the sense of tribe outweighs the sense of competitive rivalry."
Thus far little Duncan Lawrence has achieved so much; overcoming more obstacles in his five years than many do in fifty. Although he may not understand the Druid notion that we are "better than our birth," Duncan truly embodies it. He is very lucky to have parents who nurture his success in whatever form it might take. Tom said:
The Druid world view … teaches great patience. My peers joke that I move at "tree speed", but it pays off. It took Duncan almost a year to lift his head, but he did it. He was four before he learned to walk with an apparatus, but he did it… He's going through a natural process to get there. It just takes time and hard work. We believe that he has a right to live and to succeed and that all he needs are the opportunities and the tools. Strong trees don't grow overnight.
The Team Duncan video is now making its way around the Pagan community warming hearts and lifting spirits as it goes. Watching a child succeed beyond expectation can engulf the spirit in pure and trans-formative joy. It is the gift he gives to us. That begs the question: who really is the lucky one? Duncan or us?


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Miss Potter - Renee Zellweger interview
Interview by Rob Carnevale
RENEE Zellweger talks about taking on the iconic role of Beatrix Potter and her own fond memories of children's authors.
She also reveals what it was like to serve as executive producer for the first time and why perfecting an English accent for a second time required some assistance from a fellow cast member.
Q. What drew you to the role?
A. It's a really boring answer actually. From an actor's perspective, you don't often read a script that's as beautiful in its simplicity, and as rich, and yet not sensationalised in any way. It was so compelling, and then to come to the last page of that script and say: "Oh, I wanna see this film." I just couldn't believe that it wasn't fiction.
I mean, what a fascinating life, and how could I know so little about this woman? It just drew me in and I wanted to know more. It's just such a beautiful story. So, it started with that.
Q. How did you balance the acting with your duties as executive producer? Is that making the first steps for the future, perhaps?
A. It usually means abusing the actors! "OK, more fourth calls, OK, yes let's work overtime!" When it would come time to do that seven-day week again, Chris [Noonan] would say: "Think like a producer!"
It was a terrible idea and I'll probably never do it again [laughs]. No, I'm just joking. It was a really interesting learning opportunity and I asked the guys if they would be interested in that kind of partnership because I really wanted us to get through creatively with these guys. They said OK, so we did.
Q. Beatrix was very self-reliant, and didn't need a family or a man in order to live her life and be a success. Is that something that struck a chord with you, in terms of your own life and career?
A. I didn't think about it in terms of my own life, to be honest. I just had a keen admiration and affection for her right away. I was fascinated by her life, and I liked her.
I liked her a lot. I liked her rich, internal life. I liked that she was so witty and quick. I loved her wry sense of humour. I just thought of her as a person I'd like to know, that's where a lot of the appeal came from – she made me smile.
Q. Were you privy to any of the love letters between Beatrix and Warne, and did you have a favourite character that Beatrix created that you identified with?
A. We did read some of the letters. There were a lot of letters actually between her and Millie that we read. And there were some with Fruing and Harold. And also with Norman… a lot of letters that she'd sent overseas to the United States. It was lovely to see.
And I like Jemima Puddleduck. I like that she's so naïve, innocent and hopeful and she just thinks it's all going to be great. And I love that dog that comes in and saves her.
Q. Which book did you cherish in your childhood?
A. Hans Christian Anderson books, obviously, from my Mum. I got a lot of books from Austria. In fact, one of my favourite childhood books was Blinky Bill. And a little older, I loved the Grimms' Fairy Tales. We had a big red and gold compilation anthology, it was magic, because it meant that my Mum and I could read together.
I loved Ray Bradbury – is that weird? And I liked a book called The Mystical Beast. I think I've still got it on my bookshelf.
Q. How did this compare with your preparation for Bridget Jones? It's a different type of English accent…
A. Yes, it was very different this time. It all begins and ends with Barbara Berkery. I never really perfect it, she does. She stands there with her whip and she makes sure that I'm not lazy. She tells me what to do and I have no choice but to listen to her.
Q. Did it help to have played someone English before?
A. It helped to work with Emily Watson, who has gorgeous diction. Sometimes I would ask her: "Say this for me please." And I'd just repeat it really quickly before I forgot. I'm sure that it did, but it was very different. It was much more formal, and I couldn't get away with certain things that I might have liked to.


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Apple: 74% of Devices Running iOS 7
Apple is beating Android phones in at least one area: getting users to update to the latest operating system.
Nearly three quarters (74%) of Apple's mobile devices are now running iOS 7, the operating system it introduced in mid-September, according to an updated chart published on Apple's developer support center page. The data is based on devices connecting to Apple's App Store.
See also: 8 Great Hidden Features in iOS 7
Android, on the other hand, suffers from much worse device fragmentation. Just 1.1% of Android devices are currently running Kit Kat, the latest operating system, which is only available on a limited number of devices. By comparison, Gingerbread, a operating system that is three years old, is running on 24.1% of devices.
While most users are now on iOS 7, not everyone is in love with it. The operating system was a drastic change from previous versions and has received a fair number of user complaints since it was released.
Image: Mashable


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CSE has been supplying and installing ICT for our secondary customers for over 20 years, read the information below to see how we can help you.
The secondary phase of education provides a new set of challenges for ICT as the students develop their skills ready to join the workforce or specialise in certain fields as they get ready for FE and HE courses. Any ICT solution design needs to cater for the unique way that a school operates with many high bandwidth actions performed simultaneously at the start or end of a lesson period.
Technology advancements.
Secondary schools demand, high specification, industry standard ICT, so that students can benefit from the latest technology advancements, ensuring their learning is current and relevant to real world applications. In many cases the technology moves faster than the teachers can adapt, but it is possible to keep up without chopping and changing systems just to follow the latest fad. The ICT solution needs to be flexible to allow lots of different types of teaching and learning styles, whilst ensuring that the school meets its desired outcomes. It's important not to adopt a philosophy of technology for technologies sake, technology will never replace good teaching practice, but integrated correctly it enhances good practice and simplifies processes making higher achievement possible whilst reducing work load on admin tasks and back office functions.
Reliable Support.
Today ICT in schools is critical not only for teaching and learning but for the day to day running and operation of the school. Systems need to be highly available and robust, because ICT is becoming as important in the safe running of a school as much as electricity or heating is. Many schools would have to consider whether they could fulfil their safeguarding obligations, opening with the complete failure of the ICT solution. But don't worry proper disaster recovery planning can ensure this never happens.
Services we offer for secondary schools…
- Network Upgrades and Support
- Wireless and Mobile learning
- Specialist equipment
- Teaching Walls and AV
- Computer and device supply
- Software
- Cabling and Wireless
- Tailored support
Talk to us
Importantly if you are unsure of what to do next or what your priorities should be then don't worry, our team of experienced Account Managers are here to help. Contact us now to arrange a discussion of ICT in your school and receive free practical advice on what your next steps should be. CSE have a broad supply chain and are completely vendor neutral, meaning that we can offer the solution that offers the best performance and cultural fit rather than pushing a particular technology or solution on you.


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New records, May 2013
Sorry this one is a bit late.
From the artist himself:
Expo 70 – "Woolgather Visions"
Expo 70 – "Live In The Pit KFJC 89.7 FM November 6. 2010″
Expo 70 – "Paralyzed"
Expo 70 – "Virtually From The Unknown"
Expo 70 – "Closet Full Of Candles"
Expo 70 – "Corridors To Infinity"
Last months fave "Virtually From The Unknown" makes a reappearance here on cassette. Not the most necessary purchase ever since I had the limited vinyl already, but I'm an Expo 70 fan so why not.
Just a single purchase in all of May is a bit weird, but there's some more variety coming in the June update.


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Many years ago I signed up as an organ donor, but I had selected the bits I was willing to be taken. Medical science wasn't bad when I was a teenager, but it had certainly improved these days. I've always felt that if you would consider accepting a donated organ for yourself or your family you should be registered yourself.
Today was a normal day for us, we went to the rugby, Blokey and his mate are drinking a few pints, and Jen is munching on a pasty. Then the NHS sign for life folks walked along – #SignForLife leaflets in hand and armed with Haribo hearts – looking for new recruits.
Blokey wasn't on the list and now we are both down as full donors. We've given them full permission for both of us, if we die they can use what is saveable. Apparently you can save up to nine lives. I'm not planning on dying, but everyone dies at sometime, and if I have a car accident my body could save someone else's Mother or child.
These angels in matching hoodies handed out around 1300 forms today, I noticed that they were only handing them to the rugby fans who said yes or were interested. They only had 20 handed back in to them today, but they were still hopeful for the other 1280 forms as they have pre-addressed and postage paid marks on the back of them. Even if it was just the 20 of us, that's up to 180 lives potentially saved.
Rather than just filling in the form I went over to talk to the team trying to get people to #SignForLife and there I met with little Jack who is 5 years old, and his 7 year old brother James. Jack, the smiler in the green coat, is a normal looking lad. But at just 8 weeks old he nearly lost his life to a heart problem. Half of his heart had failed, and he had a donated heart. Can you imagine someone so small having such a major surgery?
Seriously, look at him, and consider adding yourself to the organ donors list. It might sound morbid, but what good is a healthy heart that gets cremated or buried? Or your skin, when it could help heal a burns victim?
You can donate even if you have existing medical conditions – even a HIV sufferer could donate to someone who has this condition. The decision is made by a medical scientist and your medical history is taken into account too. The only exception I found was CJD suffers, who can never donate.
Another thing is you don't even need to carry a card anymore, but I do. I kind of like it, maybe I'm vain? Either way, the details of a recently deceased person are checked by medical staff to see if they are on the register or not.
Think about it please?
OrganDonation.nhs.uk and #SignForLife. If you aren't sure search 'NHSOrganDonor" on the big social media networks and have a chat.


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Rural Roosts
Manor Farmhouse
Market Rasen
Tel: 01526 398492 M: 07712 771102
We offer beautiful, 4* GOLD family friendly, self-catering holiday pine lodges in an idyllic setting in the heart of the Lincolnshire countryside.
Rural Roosts offers accommodation in high quality, luxury pine lodges surrounding a fishing lake. Our lodges are comfortable, cosy and well insulated, making them an ideal place to stay all year round! We are in a fantastic location, great for action packed short breaks, relaxing holidays with friends and family, wildlife watching, fishing or cycling holidays.
There are 8 pine lodges, sleeping 2, 4, 6 or 8 (plus cots), as well as a beautiful cottage (sleeps 5). All properties are furnished to a very high standard, we strive to provide everything you will need to make your stay at Rural Roosts a truly memorable pine lodge holiday experience. This is why so many of our guests return again and again!
Our Pine Lodges are part of Manor Farm, located in the quiet village of Stainfield, about 8 miles east of the City of Lincoln. The lodges are nestled in the middle of a 300 acre, beautiful grassland farm grazed by sheep, lambs, a couple of donkeys and Rosie the pony! The farm also features wild flower meadows, wetlands and wildlife in abundance (a bird watchers paradise!) and is just perfect for rural retreats
Our pine lodges are all unique and we do everything we can to make your stay in our pine lodges enjoyable.


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Herbal Treatment for Polycystic Kidney Disease
- Product Code: HCP-028
- Availability: In Stock
Herbal Treatment for Polycystic Kidney DiseaseHerbal Treatment for Polycystic Kidney Disease in cases of kidney damage can be extremely viable. Herbal Treatment for Polycystic Kidney Disease has really helped a few encountering PKD about-face to customary and dynamic life. Herbal Treatment for Polycystic Kidney Disease done with an herbal supplement for kidney problems, which can put control over the symptoms. "POLCICAL", an herbal supplement offered by Herbal Care Products, is the 100% natural and effective herbal supplement when it comes to Herbal Treatment for Polycystic Kidney Disease. Ready using a hundred percent natural herbs, their purity and freshness leaves no point of side effects. The potent combination of herbs is best known for easing the Symptoms of Polycystic Kidney Disease. Herbal Remedies for Polycystic Kidney Disease have really helped a few encountering PKD about-face to customary and dynamic life.
The Herbal Remedies for Polycystic Kidney Disease must depend on the root of the problem that has led to the kidney damage. Herbal Treatment for Polycystic Kidney Disease can also help to reduce the discomfort and also cleanse the urinary tract. Over the years, POLCICAL has proved effective in reducing the occurrence of headaches and regulating blood pressure. In addition, the tablet helps to reduce pain in the sides and back of the patient. Besides, the herbal supplement will also in improving urinary tract infections by destroying the bacteria known to cause them. For best results, follow the instructions mentioned on its packing. Herbal Remedies for Polycystic Kidney Disease it can help shrink the kidney cysts naturally and mitigate the side effects. Herbal Treatment for Polycystic Kidney Disease can help you improve the symptoms of kidney disease.
Why Polcical For Polycystic Kidney Disease?
- Made of 100% natural herbs
- Comes with a money back guarantee
Benefits of POLCICAL for Polycystic Kidney Disease
Herbal Treatment for Polycystic Kidney Disease is excellent way of treat this condition naturally. Benefits of POLCICAL for Polycystic Kidney Disease consist of:
- It a natural way of treat this condition and easily relief the Symptoms of Polycystic Kidney Disease
- This product can reduce the in your side or back pain
- Its helps prevent some of the complications of this disease
- Herbal Treatment for Polycystic Kidney Disease usually pain can also be associated with a urinary tract infection
- It can manage high blood pressure can cause further damage to your kidneys and reduce your risk of heart disease and stroke
- It lessen both men and women develop cysts, women often develop larger cysts it naturally reduce the development of kidney cysts
When should you take it?
You should start taking Polcical for Polycystic Kidney Disease as soon as:
- You have visible symptoms of PKD
- If you have a family history of polycystic kidney disease
- You have plans to have children
Usage Directions
- Take two Polcical tablets per day strictly after breakfast
- Have proper breakfast everyday
- Don't sleep empty stomach
- Don't deviate from the mentioned time
- Take strictly after the meal and don't attempt without breakfast
- Take it with water at room temperature or slightly warm milk
- Avoid taking the product with cold drinks
Ashwagandha, Liliaceae, Gum Benjamin, Ammonium Chloride and Myrobalan
What Is Polycystic Kidney Disease?
Polycystic kidney disease is a genetic disorder described by the growth of various cysts filled with fluid in the kidneys. Polycystic kidney disease cysts can decrease kidney function. This lead to kidney failure. People with PKD can also have cysts in the liver and problems in other organs, for example the heart and blood vessels in the brain.
In about 60% of cases, polycystic kidney disease ultimately progresses to cause end stage renal disease, require renal replacement therapy, moreover dialysis or renal transplantation. Polycystic kidney disease is not just a kidney disorder and other organ systems of your body can potentially be affected by the development of cysts.
The exact symptoms present in each person depend on the particular organ systems involved. The liver, pancreas, a membrane covering the spinal cord and brain, the prostate, and the glands of the male reproductive tract that create fluid that's part of semen may become involved. Abnormalities affecting your heart and blood vessels may also happen in people with polycystic kidney disease.
Polycystic kidney disease frequently does not become obvious until your 4th or 5th decade and used to be called "adult" polycystic kidney disease. On the other hand, it's been reported in children and infants. Polycystic kidney disease is caused by mutations of one of two genes that make certain proteins necessary for the proper health of your kidneys and other parts of your body. Approximately 85% have the most aggressive form of the disease; those with the other form development to kidney deficiency about 20 years later.
Polycystic Kidney Disease Causes
There are several Polycystic Kidney Disease Causes which include are:
- Passed down through families (Inherited)
- Parents carrying genes
- Aortic aneurysms
- Brain aneurysms
- Cysts in the liver, pancreas, and testes
- Diverticula of the colon
Polycystic Kidney Disease Symptoms
There are many Polycystic Kidney Disease Symptoms but the most common are as follow:
- Urinary tract infections-specifically, in the kidney cysts
- Hematuria-blood in the urine
- Liver and pancreatic cysts
- Abnormal heart valves
- High blood pressure
- Kidney stones
- Aneurysms-bulges in the walls of blood vessels-in the brain
- Diverticulosis-small pouches bulge outward through the colon
- Anemia
- Bleeding or rupture of cysts
- Chronic kidney disease
- End-stage kidney disease
- High blood pressure
- Infection of liver cysts
- Kidney stones
- Mild to severe liver failure
- Repeated urinary tract infections
Polycystic Kidney Disease Herbal Treatment
We also take good care of the customer services once we have manufactured the product because it's not just the product that can help. If you are not satisfied with our services we don't classify in the perfectionist category. We strive hard to make everything perfect for our clients from product to services to delivery to feedback. We provide constant support through our customer services representatives who are always on the go to assist you with order details, delivery status information or any other issues regarding the website or order confusions. You feel safe here at our online store and freely choose our product that is extensively used for Herbal Treatment for Polycystic Kidney Disease in many patients.
You can also get expert advice on Polycystic Kidney Disease by writing directly to our technical staff if you are confused about the nature of your disease and which product would help and how. If you can also send us a filled feedback form in both cases if you are satisfied or unsatisfied with our services or product.
Ashwagandha, Liliaceae, Gum Benjamin, Ammonium Chloride and Myrobalan
How To Order
- Click order now right next to the product
- Fill out the order form
- Insert all required details
- Submit
- Wait for the automated reply "Order received"
- Note down your order ID for tracking purposes
- Contact our online customer care representative for delivery status notification and other queries
- For complaints related to orders, deliveries and other queries write to us or contact our CSR available round the clock
- For complaints regarding our CSRs kindly write us a feedback e-mail
Precautions & Warnings
- Get include in an exercise program that does not put pressure on your kidneys
- Keep your blood pressure under control
- Eat healthy food that lower blood pressure
- Exercise 30 minutes everyday to keep the blood in good flow
- Always stay well hydrated
- Make sure that your drink 8 oz. water before exercising and 2oz. every 15 mins during your exercise
- Avoid exercises that cause pain in the kidney area
**There is no such thing as overnight recovery for Polycystic Kidney Disease. You need to be patient and especially in case of Herbal Products where it takes a while to actually witness performance. The herbs used to make Polcical do not by any means violate the endangered species list, FDA or MCA rules and regulations.**


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It's a complete new system fully made in the French Alps, which with a simple mechanism pull the two halves of the board against each other to create a very tight connection. By actioning a lever on the side one can switch from tour to ride mode very quickly, while it also features a system to lock the heel if you need to.
This system is designed to be used with gloves out in the backcountry thanks to its big lever. The binding is not the final version as it will get some improvements that will shave some weight of the heelcup, and make the pieces more precise for a tighter connection of the binding.
We are really glad to see more companies innovating and contributing to make splitboarding equipment evolve.
More info about Plum Bindings: fixation-plum.com


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Monday, January 04, 2010
2 Comments:
- Splendibird said...
Hi, I just came across your blog through Niall's. Your Flickr pics are awesome! Have you considered taking up photography professionally (maybe you have and I'm just being super slow on picking up on it...)?
Hope all is well.
Sya x
- swishfish said...
Hello Sya!
Thanks for the comment, and no I'm not professional but that is a nice ego-boost. I have resolved to do a photography course to learn how to use a camera properly, as everything you see is instinct on how to compose a photo with the camera helping me out... If I can learn how to do things "proerly" hopefully I can improve.
Hope all is good with you.


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What is your story?
We all have stories. Some are funny, some are painful—all contribute to who we are. What we don't always see is that God is weaving an overarching story that started before time, extends through history, and will reach far beyond our lifetimes. God extends an invitation to each of us to step into His story and experience the ongoing narrative of His Word in our lives.
In this unique DVD-based study, you will join visionary author Ben Arment and four of the most creative and effective communicators in the church today—Leonard Sweet, Chris Seay, Pete Wilson, and Ginny Owens—as they reveal some of their personal stories and expound on key stories in King David's life. You will examine the concepts of backstory, setting, plot, conflict, and resolution within the life of David and within your own life.
Step into the power of God's story and see where He can take yours.
Conversation Guide includes:
Intended for use with The Power of Your Story DVD-Based Study (ISBN: 9781401677237).
eBooks purchased here are fulfilled by our partner, Glose. Please note that:


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A pair of cowboy boots donated and signed by Warren Buffett has sold for $2700 at a Nebraska charity auction.
That's $600 more than the $2100 high bid for boots signed by Buffett's friend and friendly competitor, Bill Gates.
(They compete both at the bridge table and in the Forbes ranking of the world's billionaires. Lately, they've been working together to make global philanthropy more effective.)
The results of the Saturday night bidding at this year's Cattlemen's Ball of Nebraska, held tonight in Doniphan (about 150 miles west of Omaha), have just been posted on Proxibid.
Larry the Cable Guy's autographed boots went for the relative bargain price of $700.
None of them could compete, however, with a 24-foot Elite aluminum goose-neck stock trailer, donated by Mid-Plains Equipment Inc. of Kearney. It sold for $17,750.
The money raised goes to the University of Nebraska Medical Center's Eppley Cancer Center and local healthcare.
Current Berkshire stock prices:
Class A:
Class B:
For more Buffett Watch updates .
Questions? Comments? Email me at email@example.com


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A delicious blend of herbs, sun-dried tomatoes and garlic infused olive oil.
Use on everything from salad dressings to marinades. Sprinkle with grated Parmigiano Reggiano cheese and a few twists of freshly ground pepper for an irresistible bread dipper.
Made with Certified Ultra Premium, ultra fresh extra virgin olive oil from our collection blended in small, artisan batches with 100% natural, organic compatible flavor.


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Before you can age consciously, you need something to focus on.
Perhaps it is time to create something to grab your attention and for you to focus on purpose. You may be aging but you are not dead yet, and it has been proven that those who live with purpose live longer and happier lives.
Let's make that our mission and focus. HAPPINESS
While health as our a concern as we get older, but there is something else that plays a much deeper role than just health on its own. That something is our happiness quotient. People who are happier tend to get sick less. People who are happier also live longer. Common sense most would say. The problem is that most people say it and agree to it but rarely practice it.
Being happy doesn't mean you sit around smiling and laugh at everything, it goes much deeper. Many things in life that make us happy or say, that's just how life happens. There are also times that put us into a downward spiral of despair.
These are times when it is really important for us to focus on being happy. No, that doesn't mean that we can just be happy especially when things going on in our lives that make us feel just the opposite. It is our quotient of happiness that is the secret ingredient and surprise happiness like health doesn't just happen, it too takes work.
Happiness truly is a state of mind. You can't look for it. You can not chase it. Happiness lies within you. It starts with and ends with you and is the simplest of all to achieve.
But here is the hard part – it requires you to get back your true nature. So many people attempt to find happiness through their wealth, career, money and success. What they miss is that happiness is something that you choose for yourself.
So if it doesn't come from outside ourselves, what must you do for you to happy with your life?
The fundamental rule to becoming happy is for you to remember that your true nature is to be full of enthusiasm, energy, and love. You must not compare yourself to other people. You are not them or like them. You are exceptional and unique, and you need to focus that uniqueness.
We all can find something about ourselves we don't like. Instead of lamenting about how old you are put some effort into doing things that make you feel young.
And never put the blame on someone else for what you fee.l the only thing taking away from you being happy is you.
Let's take a look at some of the things people think make them unhappy;
being alone
lack of energy
lack of resources
being sick
The list goes on and on, each of us could probably come up with 10 or more items to add but for let's start with the first two and most common.
Being alone.
Loneliness is probably the number one complaint seniors have when the talk about feeling unhappy. Have your ever really thought about why you are alone? Perhaps you have lost a life long partner, or the kids have moved far away, or you are no long able to see your friends. Whatever reason you can think up, there is something inside you that can help fix it.
The loss of partner and friend, even not seeing the children means you now need not to replace but put in place other things that will fill the void. Which is a kind way of saying you need to get yourself up, out and about. Join a group and if mobility (driving, taking a taxi or bus) is an issue then get online and find one. I firmly being that there is not one of us seniors today who doesn't have some computer skills even those limited to cellphones or tablets. And if you are short on the technology side, then find or start a group to help. Make your mantra – If it is to be it is up to me.
Being part of something not gives you a purpose but is also where you can rejuvenate your happiness quotient.
A short story here about my brother. He when into a seniors lodge when he was 70 and was feeling quite lonely because his kids lived on the other side of the country and I was always traveling for work. He stewed about it for awhile and then told me. I asked what he did all day, and he said he stayed in his room because there was nothing else for him to do and he didn't know anyone. So I asked if they had an activity room. They did, but no one was ever doing anything there. I suggested he post on the activity board a challenge for people to join in something he liked to do. He did, and they responded, and he found a group that was happy to meet to do whatever it was they joined. The funny thing was that afterward, he was so active, even becoming the lodge members president, that I had to call to find out when he was free to see me!
This thing called boredom is a difficult one for me because myself I just can't understand what being bored is. Even when I had the most mundane of jobs, I could always find something about the work to keep my mind occupied.
Having said that, I do know some people do get bored and find it difficult to shake off. Ask then why they feel bored, and they don't have an answer. Ask them what they would like to do, and they don't have an answer for that either. Boredom can have a negative effect on your life. It can make you feel angry or frustrated. For example, bored people often overeat. The most damaging result of boredom in depression. Far too many who can't get themselves to think outside of themselves end up in state of depression.
People who complain of boredom don't' find relief from it in TV or reading, they will say that doing so is just more boring.
Most often boredom is caused by lack of stimulation. Many people find that they need external stimulation, something to get excited about, a reason to do something. If this describes you in any way, it is time to find something meaningful to focus on. A new hobby can be helpful, spending time helping others is anther method for focusing on something with purpose. That is, of course, the goal, to find something that has us aging consciously and dong so with a purpose.
A new hobby can be helpful, spending time helping others is anther method for focusing on something with purpose.
Spending time helping others is anther method for focusing on something with purpose.
Giving back through hands-on charity work.
Whatever your choice make sure it is something that requires not only thought but action. Getting up and out is something too few of us do. Doing things that require us to think about our next action stimulates the brain in ways that sitting and complain never can.
The goal, of course, with all of this, is to find something that has us aging consciously and dong so with a purpose. It is that purpose that keeps on track for not aging consciously but aging well, happy and long.


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Select Sires To Acquire Assets of Accelerated Genetics
In a joint news release issued this afternoon, Select Sires and Accelerated Genetics announced that Select will acquire the assets of Accelerated, pending a vote of Accelerated's member delegates June 22.
The two A.I. co-ops will join forces of employees and independent sales reps in each of their respective geographical member organizational areas. The two co-ops have been working together since 2001, where each owns shares in World Wide Sires to market semen in Europe, Africa, Asia, the Middle East and Oceania.
The merged co-op will operate under the Select Sires, Inc. name. "The Accelerated Genetics brand will remain as it has an important value to our International markets and our Animal Health Product line," says Angie Lindloff, vice president of marketing with Accelerated.
Select Sires operates out of Plain City, Ohio. Accelerated Genetics is based in Baraboo, Wis.


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The University of Sheffield Men's Football 1st Team lost their first game of the season as they fell to a 1-0 defeat against Newcastle at Norton Playing Fields.
Sheffield, who recorded a fantastic 2-0 victory away at near neighbours Sheffield Hallam last time out, made a slow start as Newcastle had large amounts of possession early on in the game.
Jack Farthing, the Sheffield keeper, was forced into making a couple of smart saves as Newcastle put some pressure on the Sheffield defence. Newcastle's Number 9, Olly Walker, caused the Sheffield defence problems all afternoon with his physical presence and had his header from a corner brilliantly turned away by Farthing as it was destined for the top corner.
However, Walker got the better of the Sheffield keeper just minutes later as Farthing's attempted pass out to left-back Callum Wilson was far too short allowing Walker to capitalise for a tap-in to give Newcastle the lead.
Sheffield responded positively to falling behind and pushed up-field to try and cause a very organised Newcastle defence more problems. Newcastle were putting bodies on the line and brilliantly blocked a volley from Liam King on the edge of the area in the 34th minute which looked goal bound.
Despite Sheffield's good spell, it was Newcastle who had the better chances to double their advantage just before half-time. It was again Olly Walker who had the chance as his low driven shot was this time turned away by Farthing for a corner.
By the half-time whistle Sheffield were left very frustrated as they found themselves 1-0 down to a costly error by keeper Farthing but had also failed to test the Newcastle keeper throughout the half.
With around half an hour to go, Sheffield started to have more success further up the pitch and began to create more clear cut chances. They were so unlucky not to equalise as one move involving Chike Ejezie down the left wing resulted in Newcastle having to clear the ball off the line before John Brelsford blasted over.
As Sheffield started to pile on the pressure onto Newcastle's defence, David Lodge had a fantastic opportunity to find the elusive equaliser but was again denied by the Newcastle keeper.
The frustration throughout the Sheffield team became clear in the 75th minute as players from both teams were involved in an altercation. This resulted in both the referee and the management teams calming both sets of players down.
Despite Sheffield's second-half dominance Newcastle were still proving a threat on the counter-attack. Olly Walker was holding the ball up well for the away team and won a free kick as he forced Joe Medcalf into making a foul which ultimately led to him being booked.
Sheffield's last big chance of the match came in the 85th minute as John Brelsford's delightful effort deserved better as it went just over the bar with the Newcastle keeper rooted to the spot.
Despite the defeat, Sheffield manager Steve Basford felt that there were still many positives to take after the second-half performance.
He told Forge Sport: "We've got a lot of new boys in the team this year as we lost six players from last year's first team. We actually had from last week's starting eleven, five injuries into this week. So the boys that have come into the squad from the 2s, I'm very proud of and they have done really well".
Sheffield captain and goalkeeper Jack Farthing was also disappointed the team were not able to take anything from a game he felt they dominated for large periods.
He told Forge Sport: "Second-half I thought we were awesome, we were all over them and they played long ball. We had things cleared off the line, many chances but we didn't really look like putting the ball in the net which is always a bad thing".


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One of the most enduring myths in the history of anabolic steroids is the belief that Dr. John Ziegler created Dianabol. The truth is that Ziegler had nothing to do with the invention of Dianabol. The real inventors were organic chemists working in a laboratory half way around the world.
Dianabol (methandrostenolone or metandienone) (l7beta-hydroxy-17alpha-methylandrosta-1,4-dien-3-one) was first synthesized by organic chemists working for CIBA Pharmaceuticals in Switzerland. The European researchers who created Dianabol probably never heard of John Ziegler, either before or after its development, and most certainly did not collaborate with John Ziegler.
So who really created Dianabol?
The following illustrious and prolific steroid hormone chemists at CIBA Pharmaceuticals (Switzerland) all share credit for its invention: Albert Wettstein, Alfred Hunger, Charles Meystre, Ludwig Ehmann, Ernst Vischer, Hans Peter Frey and Walter Voser. They were all part of the team that first outlined the synthesis of methandrostenolone in the Swiss-founded scientific journal Helvetica Chimica Acta.
- Vischer E, Meystre C, Wettstein A. Herstellung weiterer 1-Dehydrosteroide auf mikrobiologischem Wege. Helv Chim Acta 1955;38:1502-6.
- Meystre C, Frey H, Voser W, Wettstein A. Gewinnung von 1,4-Bisdehydro-3-oxo-steroiden. HeIv Chim Acta 1956;39:734-42.
The inventors of record in the United States patent for methandrostenolone (US 2900398) are listed as Wettstein, Hunger, Meystre, and Ludwig Ehmann of CIBA. The patent application only references the aforementioned 1956 Helvetica Chimica Acta study.
The CIBA researchers were no lightweights. Wettstein collaborated with the Leopold Ružička's research team that won the 1939 Nobel Prize in Chemistry for their remarkable work on the synthesis of testosterone. The discovery of Dianabol was just another feather in his cap.
Why then has Dr. John Ziegler been erroneously credited with inventing Dianabol?
The romanticized account of how a small-town country doctor created a synthetic anabolic steroid to level the playing field between American Olympic lifters and their testosterone-using Russian counterparts certainly made for a feel-good story of die-hard nationalism during the height of the Cold War. The misinformation became part of steroid mythology with each re-telling of the story in the bodybuilding press and even mainstream journalism.
The fact that John Ziegler did not really invent Dianabol does not diminish his significance in the history of steroid use in the United States. Ziegler helped facilitate the adoption of steroids in general, and Dianabol in particular, by American athletes.
Ziegler was the first person to introduce Dianabol to competitive athletes shortly after its commercial introduction by CIBA in 1958. He had access to the CIBA laboratory in Summit (New Jersey) during the 1950s and was already supplying weightlifters with testosterone propionate for "research purposes". However, there was no active steroid research at the CIBA facility in New Jersey; all steroid hormone synthesis was reserved for the corporate headquarters in Switzerland.
When Dianabol became available, CIBA (New Jersey) reportedly asked Ziegler to administer the newly developed Dianabol to Olympic weightlifters training at York Barbell in late 1959. He subsequently systematically prescribed 10 milligrams of Dianabol per day to weightlifters John Grimek, Bill March, Tony Garcy and Louis Riecke. They were the very first athletes to use Dianabol.
Although the steroids testosterone propionate, methyltestosterone and Nilevar were already being used by some West Coast bodybuilders, it wasn't until CIBA introduced Dianabol in 1958, and Ziegler started prescribing it, that steroid use quickly went mainstream in bodybuilding and weightlifting before gradually spreading to all competitive sports.
Dianabol emerged as the steroid of choice among American bodybuilders and athletes. It currently remains one of the most popular steroids used by contemporary bodybuilders. For the millions of athletes that have used Dianabol, John Ziegler will continue to hold a special place in their hearts.


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AMBER DEVELOPMENT offers a wide range of customized services for improvement of Projects and Operations in Bauxite & Alumina Business.
An outstanding Team of Bauxite & Alumina Specialists with a worldwide large experience.
The ambition of AMBER DEVELOPMENT is to provide a unique quality of services to the Bauxite and Alumina Industry through a wide and in-depth experience in this area.


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On Air Now
The All-New Capital Weekender with MistaJam 7pm - 10pm
19 October 2012, 13:44
The 'Call The Shots' band will allow fans to choose the songs on disc 2 of the records' deluxe edition.
Girls Aloud have unveiled the official track listing for their upcoming greatest hits collection.
'Ten - The Hits' will launch this November and boasts all of the UK girl band's biggest hits to date, as well as new single 'Something New'.
The record was officially announced at a press conference earlier today, which saw Girls Aloud reunited together in public for the first time since taking a hiatus back in 2009.
Girls Aloud's latest greatest hits collection will also features three additional new songs as well as new single Something New', which received its first play on Capital FM on Tuesday (16th October).
In addition to the standard 18-track edition of 'Ten - The Hits' there will also be a deluxe 2 disc edition of the record and fans will be able to vote for the songs included on the second disc via the band's official website.
Fans of the 'Sound Of The Underground' five-piece will be able to choose from any Girls Aloud song for the second disc of the deluxe edition including album tracks, b-side songs and official remixes.
View a picture of Cheryl Cole, Kimberley Walsh, Nicola Roberts, Nadine Coyle and Sarah Harding reunited as Girls Aloud below (Credit: PA):
Girls Aloud are set to officially release their greatest hits 'Ten - The Hits' on 26th November.
Check out the full track listing for Girls Aloud's new greatest hits album 'Ten - The Hits' below:


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Europe's earliest humans did not use fire
New research conducted by scientists at the University of York and the Universitat Autonoma de Barcelona reveals for the first time that Europe's earliest humans did not use fire for cooking, but had a balanced diet of meat and plants - all eaten raw.
|Jaw of the oldest hominin in Europe, discovered in 2007 at the Sima del Elefante site
in Atapuerca [Credit: CENIEH]
These microfossils included traces of raw animal tissue, uncooked starch granules indicating consumption of grasses, pollen grains from a species of pine, insect fragments and a possible fragment of a toothpick.
All detected fibres were uncharred, and there was also no evidence showing inhalation of microcharcoal - normally a clear indicator of proximity to fire.
The timing of the earliest use of fire for cooking is hotly contested, with some researchers arguing habitual use started around 1.8 million years ago while others suggest it was as late as 300,000-400,000 years ago.
|Microfossils identified in the jaw from Atapuerca [Credit: Karen Hardy]
The earliest definitive evidence in Europe for use of fire is 800,000 years ago at the Spanish site of Cueva Negra, and at Gesher Benot Ya'aqov, Israel, a short time later.
Taken together, this evidence suggests the development of fire technology occurred at some point between 800,000 and 1.2 million years ago, revealing a new timeline for when the earliest humans started to cook food.
Dr Karen Hardy, lead author and Honorary Research Associate at the University of York and ICREA Research Professor at the Universitat Autonoma de Barcelona, said: "Obtaining evidence for any aspect of hominin life at this extremely early date is very challenging. Here, we have been able to demonstrate that these earliest Europeans understood and exploited their forested environment to obtain a balanced diet 1.2 million years ago, by eating a range of different foods and combining starchy plant food with meat.
|The Sima del Elefante site [Credit: University of York]
"It also correlates well with previous research hypothesising that the timing of cooking is linked to the development of salivary amylase, needed to process cooked starchy food. Starchy food was an essential element in facilitating brain development, and contrary to popular belief about the 'Paleodiet', the role of starchy food in the Palaeolithic diet was significant."
Dr Anita Radini, PhD student at the University of York said: "These results are very exciting, as they highlight the potential of dental calculus to store dietary and environmental information from deep in the human evolutionary past. It is also interesting to see that pollen remains are preserved often in better conditions than in the soil of the same age. Overall this is a very positive step in the discipline, in terms of preservation of material in the calculus matrix."
The study is published in Naturwissenschaften.
Source: University of York [December 15, 2016]
Labels Anthropology, Early Humans, Europe, Fossils, Southern Europe, Spain


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Never will anyone who says his Rosary every day be led astray.
This is a statement that I would gladly sign with my blood.
Learn How to Pray The Rosary - Step By Step
Make the Sign of the Cross and say the "Apostles Creed". Number 1
Say the "Our Father". Number 2
Say three "Hail Marys". Number 3
Say the "Glory be to the Father". Number 4
Announce the first mystery; then say the "Our Father". Number 2
Say ten "Hail Marys", while meditating on the mystery. Number 3
Say the Glory be to the Father and the "Fatima Prayer". Number 4
Announce the second mystery; then say the "Our Father". Number 2
Repeat and continue with third, fourth, and fifth mysteries in the same manner.
After all five decades, say the "Hail Holy Queen" and the concluding prayer.
*All prayers are written out below.
Learn the Prayers of the Rosary
I believe in God, the Father Almighty, Creator of heaven and earth; and in Jesus Christ, His only Son, our Lord; Who was conceived by the Holy Spirit, born of the Virgin Mary, suffered under Pontius Pilate, was crucified, died, and was buried. He descended into hell; the third day He arose again from the dead. He ascended into heaven, and sits at the right hand of God, the Father Almighty; from thence He shall come to judge the living and the dead. I believe in the Holy Spirit, the Holy Catholic Church, the communion of Saints, the forgiveness of sins, the resurrection of the body and life everlasting. Amen.
Our Father, Who art in Heaven,
hallowed be Thy name; Thy Kingdom come,
Thy will be done on earth as it is in Heaven.
Give us this day our daily bread;
and forgive us our trespasses as we forgive those who trespass against us;
and lead us not into temptation, but deliver us from evil.
Hail Mary, Full of Grace,
The Lord is with thee.
Blessed art thou among women,
and blessed is the fruit
of thy womb, Jesus.
Holy Mary, Mother of God,
pray for us sinners now,
and at the hour of our death. Amen.
Glory be to the Father, and to the Son, and to the Holy Spirit,
as it was in the beginning, is now, and ever shall be, world without end. Amen
O My Jesus, forgive us our sins,
save us from the fires of Hell and lead all souls to Heaven,
especially those who are in most need of Thy mercy. Amen
Hail Holy Queen, Mother of mercy, our life, our sweetness, and our hope. To thee do we cry, poor banished children of Eve. To thee do we send up our sighs, mourning and weeping in this valley of tears. Turn then, most gracious Advocate, thine eyes of mercy towards us, and after this our exile, show unto us the blessed fruit of thy womb, Jesus. O clement, O loving, O sweet Virgin Mary!
V- Pray for us, O holy Mother of God.
R- That we may be made worthy of the promises of Christ.
Let us pray:
O God, whose only begotten Son, by His life, death, and resurrection, has purchased for us the rewards of eternal life. Grant, we beseech Thee, that by meditating on these mysteries of the most holy Rosary of the Blessed Virgin Mary, we may imitate what they contain and obtain what they promise, through the same Christ our Lord. Amen.
Listen and Pray the Rosary with us
Pray and meditate on each of the Mysteries of the Rosary
Have a prayer request? Let us know!
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Grey Owl Property Inspections LLC is a full service inspection company providing the best home inspection service in Boise.
Grey Owl Property Inspections LLC is a full service inspection company providing the best home inspection service in Boise.
Idaho Home Inspections
Grey Owl
Choosing Grey Owl to perform your real estate property inspection, house inspection, or building inspection allows you to rest easy, knowing our certified home inspectors will provide excellent services, a thorough home inspection, a detailed walk-through, and a comprehensive report with all the attributes you need regarding your property inspection. Whether it be a pre-purchase inspection, apartment inspection, or new building inspection, our Idaho home inspectors get the job done right, the first time.
Serving all of Boise, Idaho and surrounding areas
Committed to the highest standards
Report within 24 hours
Operating 7 days a week
Now Offering
360 Photo Service
We now offer 360 photos of every room and exterior for you convenience! This service allows you to look at every corner of every room and all sides of the property. If you have limited time or are buying a property remotely, this is a critical tool to help you walk through the property you are interested in without leaving the house. In today's challenging environment, this is the standard for pre-listings or buyers looking to be more informed.
Meet The Owner
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- Decades of experience
- Veteran Owned – Retired Army Officer
- Commercial, Roof, & Pool Inspector InterNachi Certified
Join our mailing list to stay up to date on the latest news and special offers.
Why We're The Best
What We Do
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Thermal ImagingUsing thermal imaging equipment, we can help to verify any presence of water and gap in your insulation.
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Why Our Clients Love Us
Request an Inspection
In need of a home, commercial, or pool and spa inspection? Look no further! Grey Owl Property Inspections offers professional service at a great price. We will always go above and beyond for you. Call today to schedule an appointment.


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Project Description
We have been busy working on some windows from a local Presbyterian Church that is undergoing some restoration. The outside stone is being cleaned and re-pointed and reconstruction of cast concrete that has seen better days. Six quarried windows measuring two meters x eight hundred millimeters and three lancets, the tallest four and a half meters high has been re made with new lead, all the foreign glass from previous repairs has been removed and replaced with original glass we have in our stocks. Whilst removing the Nave windows we discovered newspaper stuffed in the windows rebate (to save on mortar) by the original glaziers. We were able to confirm that the windows had not previously been removed and had been in place for a hundred and seven years, it's no wonder they looked as they needed a bit of sprucing up.


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At nearly $5 dollars per small container, berries are an expensive staple at our house. On occasion when I find it by bulk, I do buy them. Problem is, when I do, they spoil so quickly. There's always one moldy strawberry in the container that ruins the entire batch. So.. how do you keep berries fresh longer? Do a little prep work before you place them in the refrigerator!
The big bonus is you don't have to wash them every time you take it out of the refrigerator. It's also great for toddlers who regularly search the refrigerator looking for a snack. I won't name any names, but I have said toddler living in my home. This quick procedure will naturally kill the mold spores and won't spoil as quickly.
I hope this helps 😉
How to keep berries fresh longer
- 1 c. vinegar
- 3 c. water
- Berries
In a bowl, mix vinegar and water
Add berries
Gently rinse and clean the berries in the vinegar solution
Rinse the berries in clean water.
Drain the berries into a clean container
Lay out a paper towel, or kitchen towel and place clean berries
Pat dry
Store in a clean container lined with paper towel


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lakepaper Blocker at its best
Memory game on lakepaper Extra+
Gmund's clever daughter.
Multifunctional and extensive
Convincing thanks to maximal opacity
Floor plan on lakepaper Blocker
The film of lakepaper Blocker
Thank you for visiting us from the USA. We are passionate about paper. Our mill is in Gmund am Tegernsee, in Southern Germany. On our international pages, you'll find innovative papers, news about our company, and important sales information.


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Ghana Urban Agenda
Preparation for HABITAT III
Ghana participates in PREPCOM II and the 25th Session of the Governing Council of UN Habitat in Nairobi, Kenya from 14 to 23 April 2015
The Government of Ghana with support of its key urban partner institutions, Cities Alliance (CA) and Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ), is participating in the Second Preparatory Meeting (PREPCOM II) and the 25th Governing Council Meeting (GC25) of the UN Habitat towards the organization of the Habitat III Conference in 2016.
Development of the Habitat III Report
Ghana's participation is grounded on its successful development of the Country's Draft Habitat III Report. The Report which was facilitated by the National Habitat Committee went through a participatory approach involving the consultation of broad spectrum of stakeholders from the local and national governments, academia, civil society groups with particular emphasis on the urban poor and the private sector, among others. The draft report was also subjected to a number of validation sessions, i.e. through individual institutional validation and also through a national validation session.
From the last validation session on the development of Ghana's Habitat III Report in mid December 2014, it was further recommended for the Draft Report to be subjected to a technical review and quality assurance by senior urban experts before the final version of the report is submitted again to the UN Habitat Secretariat. Ghana's participation in the PREPCOM II and the GC25 will further enhance the finalization of the report and also ensure the country takes full advantage of the processes leading up to the organization of the Habitat III Conference in October 2016 in Quito, Ecuador.
The New Urban Agenda
To this end, Ghana's delegation made up of technical officers and decision makers was carefully selected to ensure that the processes leading up to the development of the New Urban Agenda is well connected to the national development framework of the country.
To the Government of Ghana, the preparations towards the Habitat III Conference are of utmost importance given that the country is looking for opportunities of consolidating its efforts in the urban sector. Ghana has already taken initial steps in facilitating sustainable urban development through the development of the first ever Ghana Urban Policy Framework, launched in 2012, and now also have in place the Ghana National Housing Policy, launched in March 2015.
Together with its well-meaning partners such as the World Bank and the Agence Française de Développement, Ghana has also initiated programs and projects in the urban sector to ensure speedy implementation of the policy actions in the National Urban Policy Framework. Capital intensive projects such as the Urban Development
Grant, a component of the Local Government Capacity Support Project (LGCSP) and the Ghana Urban Management Pilot Project (GUMPP) from the Worldbank and the Agence Française de Développement respectively are some of the visible signs that Ghana is taking direct investment for urban infrastructure financing seriously. Due to the huge urban infrastructure gaps in cities especially in housing, transportation and sanitation, Ghana is using platforms such as those that are offered through the Habitat III process, to build networks and establish partnerships to address its urban challenges.
An emerging issue of importance from the PREPCOM II and GC25 is the growing need to address urban development within the context of urban-rural linkages. Growing consensus is that sustainable urban development requires strategies to address rural-urban migration and a holistic approach to development within a continuum of human settlements. The call is for national urban policies to specifically include provisions for rural development.
The way forward
Going forward, Ghana is actively putting in practice the knowledge and experiences gained on the UN platform to transform urban development in Ghana with the able support of its partners. Ghana's urbanization is ripe and there is the urgent need to position the nation to maximize the benefits that are associated with the irreversible phenomenon (urbanization) whilst minimizing the attendant challenges such as development of slums, difficulties with mobility, crime, housing deficit, limited open space and sanitation among others.
Climate Chance Summit - Africa, 2019
Sept. 30, 2019


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Welcome to Grafton College of Engineering and Sciences Islamabad Online Application.
The online application comprises of six simple steps. Please read following carefully before starting your application form:
Read the declaration carefully by submitting the form you will be agreeing to all the contents.
Certified that the information given overleaf is true to the best of my knowledge and belief and if anything is found incorrect, the College/University will have the right to cancel my admission and expel me from the College/University at any time. Following documents have been attached to the Application Form:
a) Attested photocopies of all the educational certificates degrees.
b) Six latest passport size photographs.
c) Photocopy of National Identity Card OR Form "B" of candidate
d) Character Certificate from the Institute last attended.
1) I further affirm that I will NOT take part in any political activity NOR indulge in sectarian disputes, immoral conduct and indiscipline during my stay at Grafton College. In case of any violation to this effect I shall be liable to withdrawal/expulsion from the College/University, without any notice. I further affirm that I shall abide by all rules/regulations of the Grafton College/NUML and shall not challenge them in any court of law.
2) I hereby undertake that I shall submit my result card and equivalence certificates (if required) to Admission Department of college within 30 days of the start of semester/classes, failing which my admission will be cancelled. In case I get less than required marks or fail in any subject my admission shall stand cancelled without any further notice. I shall not claim refund of any portion of fee what so ever deposited with the Grafton College.
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