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So why are there some many annuities in 403(b) plans in the first place?
As advisors that specialize in helping teachers making smart financial decisions on saving, investing and retirement, we are constantly amazed at why so many teachers own high-cost annuities within their 403B plans. (If you are reading this, do own an annuity and do you know why?)
In answering the above question, it may be helpful to go back to the very beginning and hear a little bit about the history of teacher's retirement, 403(b)s and annuities to figure out exactly how we go to the place we are at right now, with 70% of teachers 403(b)'s in annuities. *
Before there was even a such a thing as a 403(b) there existed a basic plan where a tax-exempt employer (a school) could place funds into an annuity contract for an employee. These contracts were typically individual annuities, owned by the employees but funded by employers. Remember, this is an era before IRA's, 401(k)s and 403(b)s. Heck, Social Security was barely 20 years old. All in all, not a bad arrangement for teachers.
Then, in 1958, section 403(b) of the Internal Revenue Code added some rules including defining contribution limits to such annuities and the term '403(b)' was born! However, the only investment options available for 403(b) participants were insurance-based annuity products, thus, the term 'Tax Sheltered Annuity' became almost synonymous with 403(b) plans.
Finally, 1974, Congress rectified this small issue by adding language to the law to allow participants to invest directly into mutual funds in addition to annuities. Finally, teachers had true choice.
One would think that by allowing mutual funds into the plans, annuities would eventually suffer the same fate as the land-line phone. However, the name tax-sheltered annuity remains pervasive. For example, in an Investopedia article this year the author flatly states that a 403(b) plan is also another name of a tax-sheltered annuity plan. Given that we already know that a 403(b) does not need to own annuities to be considered a 403(b) (and probably shouldn't) this is downright misleading. **
No wonder why teachers feel confused!
Let's make it a little more confusing. Today's school districts are not only filled with one type of annuities, there filled with bunches. How did this happen? According to a report by Arthur J. Gallagher and Co. published in 2017 entitled 'The Perils of a Multi-Vendor 403(b) Plan" they contend…
From their introduction, 403(b) plans were prone to offering multiple providers. In 1958, 403(b) plans were introduced as tax-sheltered annuity plans for public sector and some nonprofit organizations. The purpose was to provide employees of these organizations a way to save for their retirement. At that time, 403(b) plans were limited to offering only annuities as investment options. Additionally, providers could only record keep their own annuities; so, if an organization wanted to offer more investment options, they had to offer more vendors. It wasn't until 1974 that 403(b) plans were allowed to offer mutual funds (also known as
403(b)(7) custodial accounts). By that point many plans had presumably added multiple vendors to allow choice within the plan and a common practice had been established. ***
So, let's bring it back to the present. Since 1958, the universe of investments and the investor knowledge has changed and advanced dramatically. We have tremendous evidence that investment fees have a dramatic impact on the ability of someone to accomplish their financial goals. Investors have woken up to this reality and have voted with their feet. Low cost, high value investment companies such as Vanguard are extremely popular with investors. There not alone. Fidelity Investments, one of the largest providers of 401(k) plans (the private equivalent of 403(b) planned introduced ZERO fee index funds late in 2018. ****
Of course, there is nothing wrong with fees, as long as you are receiving VALUE for those fees. But annuities, especially variable annuities, simply don't stack up well versus the low-cost mutual fund options within 403b.
We often time see 403(b) Variable Annuities with fee's as high as 2.5% for providing the same basic investment lineup that could be had for ½ that cost or even less with a Vanguard or Fidelity. That doesn't even include the high surrender costs that are associated annuities.
Yes, you need to pay them if you want to move your account. That's the 'surrender charge.' During a set period of time from when you start contributing (typically 7-10 years) if you decide to move your account, you'll have to pay % of the account charge. Anywhere from 1-7% of the account balance. Wow.
If private companies set up their 40k(k) plans like this, they would be sued. I'm not kidding. It's because they have to comply with a law called ERISA. Among many of the stipulations in ERISA there is an important one requiring the employer to act in a fiduciary capacity by monitoring the plans for cost and vale and always make decisions in the best interest of their employees.
Sadly, 403(b) plans are not covered by ERISA.
There is a tremendous interest for the financial and insurance companies to keep things as they are. With the rest of the investment world experiencing fee compression, the 403(b) world not only remains tremendously large, but tremendously profitable. That's why the big players can afford to train, license and hire thousands of bagel toting young financial 'salespeople' to canvass schools and sign people up.
In the end, the reason you have 70% of the 403(b) in annuities* is because that's how it started out, that's how it's been, and if it's up to the insurance companies, that's how it's going to stay.
There is simply too much money at stake. Too much of your money.
There is another way. Let us help you make an honest, fiduciary-based decision on what plan is best for you. We offer no-fee cost and fund comparison through research powered by Morningstar, one of the largest providers of 3rd party, unbiased advice. We also have an extensive history of helping teachers in Southeast Michigan navigate not only their 403(b) options, but their pension decision, college savings options and comprehensive retirement questions.
If you're tired of the flavor of the month annuity salesperson and want honest, forthright advice. We can help.
After all, while you're looking out for your students, who's looking out for you.?
Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Mission Point Planning Group and Securities America are separate companies
The opinions and forecasts expressed are those of the author, and may not actually come to pass. This information is subject to change at any time, based on market and other conditions and should not be construed as a recommendation of any specific security or investment plan. Past performance does not guarantee future results."


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Founded in 1793, Hotel Croix Blanche is a traditional Alpine-style hotel. Situated close to Geneva airport, the hotel makes a great spot from which to enjoy a short break to the mountains. The hotel's sun-terrace is a stand-out feature, with beautiful views of the Mont Blanc.
The hotel is home to the renowned Brasserie de L'M restaurant that serves stunning traditional cuisine, all made with locally-sourced produce. The Tapas Bar also offers a great variety of food, perfect for refuelling after a day on the slopes.
Price based on per person rate with 2 sharing a standard room. This is a guide price and availability is not guaranteed. Travel over peak periods (e.g. Christmas, New Year and other public holidays), exchange rates, flight class and room type can affect prices considerably.
Ski Solutions has a team of experts on hand to help you choose the perfect holiday. Sometimes we will suggest alternatives to make sure the holiday suits you. The holiday prices shown are there to give you an idea on what you might expect to pay, these may well change depending on your ideal plans. Exchange rates, special offers or availability can also effect the price of your holiday. To get an accurate price based on your own requirements call to speak to one of our ski experts today.
4 nights – guide prices per person
One of the great ancient Alpine capitals Chamonix ski resort boasts some of the best skiing and scenery in the Alps, with a large variety of runs and wonderful views of Mont Blanc. It's is a popular destination for international skiers and is consistently rated as one of the top ten in the world thanks to its reputation as a truly bustling and exciting town.
It should be noted that Chamonix is not a ski-in ski-out destination offering slopeside accommodation. The resort is comprised of six separate ski areas, which means that a bus service is required to travel between them. However, this is a small price to pay for the huge range of skiing which is then provided to explore, making the resort such a coveted destination for discerning skiers.

subset: commoncrawl


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Alison's Animals Christmas Pack
Alison's Animals
code: XZZ1
Our selection of 20 different Christmas designs - for the price of just 10 !
If you would prefer to include mainly cat, dog, horse or chicken designs, please make a note at checkout in the delivery section. Depending on stock we will do our best to accommodate your choices.


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Take a journey into the dark side of old Edinburgh's history touring the haunted underground vaults with Auld Reekie Tours!
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The Banff Mountain Film Festival UK & Ireland Tour is launching a virtual film festival, so adventure lovers can watch the latest inspirational outdoorsy films from the comfort of their couch!
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Join the Surgeons Hall Museums on their weekend walking tour through Edinburgh's old town and hear tales of old Edinburgh, disease, dissection and curious methods of treatment.
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The 1920s was a period of contrasts and this exhibition explores the styles, ideas and events that shaped Scottish art during this influential decade.
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Join Mairi Campbell for a weekly online global gathering of songs, tunes, poems and offerings from friends, fans and family!
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With the help of expert tutors, the Centre for Lifelong Learning at University of Strathclyde have developed an exciting range of classes to help keep you busy this Autumn!
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Due to Covid-19 we are are unable to perform our normal live auction event in your area therefore we will now offer an online collection at way below the auction estimates.
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City Art Centre celebrates it's 40th birthday with a new exhibition. Come along and view some of the finest Scottish art of the last two centuries!
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Conifox celebrates its annual Grandparent's Day on 4th October, welcoming back young and old, bringing together loved ones after months of separation.
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Looking to entertain the kids? Come and spot our cuddly corgis hiding around Britannia's tour route.
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Have fun discovering Edinburgh on this quirky, self-guided, heritage walk with a treasure hunt theme from Curious About!
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Learn hands on up-to-date techniques that could potentially save lives on this LIVE half day Emergency Canine Care Course held by Dog First Aid.
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ECHO is Michael Craik's first solo exhibition at &Gallery and he presents a new collection of contemplative, minimal acrylic paintings.
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Join Les Danses Antiques for this half-day online event to experience life in the Scottish capital in 1745!
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Edinburgh Corn Exchange Car Boot Sale Market is open but with strict rules and guidelines. Come and join us for some bargains and for sellers to have a clearout!
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Gavin Francis examines our collective fascination with maps and islands in this exhibition stretching across four centuries of cartography from Scotland and around the world.
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The Hairy Coo offers the best family fun day out this October with their day trip to Loch Ness from Edinburgh. See if you can spot Nessie!
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First Bite Junior Youth Theatre is run by Live Drama and is for all 7 - 11 year olds with a love of drama and the performing arts and starts on 17th September!
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Round up your pals and get the ball rolling for your next night oot as Fore Play Crazy Golf Edinburgh pop-up has found a new home!
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From creative lettering, water-colouring to gardening skills, outdoor STEM skills and shadow puppetry, come try something new this dreich weekend with Fun Palaces Scotland!
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Global Lab offers inspiring examples of creative practice in the arts, education and frontline activism, with the opportunity to share, question and dialogue.
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In Someone Else's Shoes: Edinburgh's Unexpected Summer transports you into the heart of other people's lives through immersive 360 degree video.
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Make your dream home a reality with the IKEA Interior Design Service. It's a tailored and hassle free shopping experience for your convenience!
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Invisible Cities offer family friendly guided walking tours of Edinburgh that showcase some of the city's historical landmarks and explore the social projects that make the city what it is!
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Well-known linocut and Japanese woodblock printmaker Laura Boswell is returning to the Birch Tree Gallery for her second solo exhibition 'Walk the Walk'.
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Come see the Leith History Mural in a whole new LIGHT when it returns for a run of 10 nights from 25th September!
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Come and join us at Stirling Distillery as our team take you on a virtual tour and tasting from the comfort of your own home!
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The Royal Yacht Britannia has attained VisitScotland's 'We're Good To Go' certificate, so step aboard and follow in the footsteps of Royalty this October!
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Explore the furniture, fashion, textiles, lighting, ceramics, and printed material that defined Mid-Century Modern in this exhibition on now at Dovecot Studios!
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St Marys Music School Edinburgh is delivering various online music classes for children age 4 to 12 years starting in September.
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Come along to Ocean Terminal Car Boot Sale, open every Sunday at Level F Red Car Park... all welcome!
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Ocean Terminal Market is a fantastic and fun weekend market has a great range of arts, crafts, food and drinks!
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It's Opium Alternative Club & Bar Edinburgh's Open Mic Night every Sunday. Come on down and play some tunes with us!
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Enjoy a virtual tour of 'Paths to Other Places: Drawing Parallels' and see this fantastic new exhibition by Scottish artist James Cosgrove!
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Cycle your purple socks off this October with by taking park in Glasgow Children's Hospital Charity's brand new cycling challenge... Pedal It Purple!
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To celebrate the Year of Coasts and Waters, this small exhibition explores Scotland's diverse sea life and the many threats facing our marine life.
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Scots Music Group is running its autumn term online! Check out the full list of weekly classes available through Zoom!
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A foodie heaven, creative crafts, original artwork, superb street food. Eat, meet, greet or treat - there is something for everyone!
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Looking for something different to do with the kids on Sunday? Then pop down to The Yard Edinburgh from 10am to 4pm!
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The Big Escape is a brand new interactive outdoor experience, played on your smartphone, which will turn Edinburgh City Centre into a giant escape game!
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On the first Saturday of each month The Mart Farm Shop is taken over by crafters of all shapes and sizes.
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The brilliant original production of Andrew Lloyd Webber's The Phantom of the Opera arrives at the Festival Theatre for the first time ever in 2020!
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Edinburgh's deepest secret, the Real Mary King's Close is buried deep beneath the Royal Mile... a warren of hidden streets that has remained frozen in time since the 17th Century!
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Traverse is delighted to present brand new, specially created, pieces from nine Young Writers online, with performers filming in their own homes under lockdown conditions.
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What happens to your digital life after you die? If there was a magic button, would you delete your online existence?
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Check out ComputerXplorers SEScotland's online kids computing clubs, the perfect way to learn the latest technologies and develop invaluable tech skills.
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YogaBellies Edinburgh North is holding LIVE classes, starting from Wednesday 5th August and bookings are now open!
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Alzheimer Scotland's Dementia Advisor is now delivering free, interactive and informative online Dementia Friends information sessions throughout East Renfrewshire.
Beat the Street is a fun, free game that will see communities in East Renfrewshire transformed into a giant game! See how far you can walk, cycle and run in just 6 weeks!
Got an hour or two to spare on Sunday 4th October? Come and join Clarkston & Netherlee Litter Action as they clean up Clarkston!
Move More is a programme of physical activity, advice and support for people at all stages of the cancer journey, contact the Macmillan East Ren team and find out how to get involved.
Netherlee Primary & PTA are calling on all households and businesses in the Netherlee and Stamperland area to join in with their very first Scarecrow Trail!
Everything in the garden's lovely as we explore the wonderful world of wildlife and plants through our colourful and entertaining family-friendly exhibition!
Fife's biggest annual arts competition will be going ahead in 2020 with a new theme and in a brand new venue!
Inverkeithing Car Boot Sale is held every Sunday Morning at Belleknowes Park And Ride Car Park. Come along and find yourself a bargain!
Kirkcaldy Boot and Mart, indoor and outdoor every Saturday, Sunday and Wednesday... all welcome!
The art of Scottish drawing is celebrated in Lines from Scotland a new exhibition on now at Dunfermline Carnegie Library and Galleries.
Pregnancy Pilates helps to reduce those aches and pains, keep you active and benefit from some social time with other expectant women.
Join Sam Mace Wellness for an online weekly Pilates class for the over 60's and strengthen your back and core, rebalance your body and improve posture through re-alignment!
Through a combination of art, literature, advertising and movies, this exhibition highlights smoking as a social practice, focusing on the period from the 1800s onwards.
Using the labyrinth, earthship, yurt and lochside gardens to mindfully connect with nature, be with others in a like minded community and get creative in a simple and easy way!
Whether you're wishing to purchase a few hidden treasures, interested in selling or just wishing for an enjoyable day out, there is something for everyone at Ayr's Sunday Market and Car Boot Sale!
Take part in the 2020 Bank of Scotland Great Scottish Run through the streets of Glasgow and raise vital funds for your chosen charity!
Browse the stalls and bag yourself a bargain at the weekly City Markets car boot sale in Blochairn!
Have fun discovering Glasgow with a self-guided, heritage walk with a treasure hunt theme from Curious About!
Glasgow Central Tours offer you the chance to explore behind the scenes of Glasgow's most iconic and busiest landmarks, Central Station!
This is a 2.5-3 hour tour that will take you around all the main sites of the city, giving you an excellent opportunity to find out about Glasgow's rich history and culture!
Glasgow Science Festival are back with a digital programme of hands-on activities, talks, shows and more, to entertain and inspire!
Good Move Glasgow run Health Walks right across the city which are suitable for all ages and abilities!
Four Points: A Geographical Journey is a new exhibition by Gregor Smith RSW at Compass Gallery which takes inspiration from his travels across Europe and Scotland.
Join a Historic Tour of the University of Glasgow the fourth oldest university in the English-speaking world!
Invisible Cities offer friendly walking tours of Glasgow that showcase some of the city's historical landmarks and explore the social projects that make the city what it is!
This October, just in time for Halloween, Loch Lomond Faerie Trail will again be transformed into the Scary Faerie Trail!
Local artist Lee Robertson has been working on 'Love Letter to Glasgow' an exhibition which was due to be held in Sogo Arts on the Saltmarket, he's now taken his exhibition online!
The Glasgow Gallery of Photography will host their fourth Monochrome Photography Exhibition between the 3rd and 10th October!
Join NYCOS for their Mini Music Makers Online classes, providing an opportunity for you and your child to make and enjoy music together!
Dawn your lederhosens, grab a salt-strewn pretzel and a foaming beer and settle in for a German extravaganza at The Calton Taproom at BAaD!
Glasgow Zen Group's Buddhist chanting group meets on the first Sunday of each month for Okyo, the practice of chanting the sutras!
Park Lane Market is a pop-up market held on the first and last Sunday of each month in Shawlands, featuring a range of boutique stalls!
Check out the new 'taking part' season at Platform Glasgow, on now until December 2020!
Held on Wednesdays, Saturdays and Sundays, Polmadie Car Boot Sale is Scotland's only fully undercover car boot sale!
Join Simply Yoga By Laura for her seasonal yoga classes on Zoom and increase your flexibility and feel healthier and fitter with a regular yoga practice from the comfort of your own home!
The Scotia Gallery welcomes you to a solo photography exhibition featuring an impressive series of macro photography created by Scottish Artist and photographer David Gilliver!
Walking Tours in Glasgow is now offering a two hour Street Art tour! This mural and modern culture tour will show the beautiful street art pieces scattered around the city of Glasgow!
Come down to Sweeney's on the Park on a Sunday night for their weekly quiz with a cash jackpot!
With it's iconic archways The Barras Market it is a Glasgow institution, open to the public every weekend, come along and grab yourself a bargain or two!
The Big Escape is a brand new interactive outdoor experience, played on your smartphone, which will turn Glasgow City Centre into a giant escape game!
Browse homemade treats, arts & crafts, artisan food & drink and local produce at Loch Lomond Shores' regular Market Days on the first and third Sunday of each month!
Steve Hillage is heading back to Glasgow with his band on 4th October, performing a fresh selection of tracks from his classic 70's albums!
Do you love Glasgow and want to get fit? Then why not try Beat Your Goal's virtual event and get your hands on this stunning medal!
Performance art & mobile technology converge in Walking:Holding, a meditative journey through urban landscapes focusing on LGBTQ+ experience.
Take a look behind the scenes of Wester Distillery and enjoy a guided tasting of the range of spirits produced at this microdistillery!
Don't miss Anarchy, a terrifyingly unforgettable experience where terror rules and your fate can change with every turn, at M&Ds Scotland's Theme Park!
An exhibition of work by five friends who share a love of textiles is showing now at the Tolbooth Lanark!
Its time to pull on your spandex, slap on your capes and head up, up and away as you join Anya, Kevin, Gary and Bonzo for some singalong silliness at East Kilbride Village Theatre!
Take a tour of one of the finest private tombs in the country and the town's most striking historic landmark, Hamilton Mausoleum.
An undercover car boot sale is held at Lanark Agricultural Market on Sundays throughout the year from 8am to 2pm!
New Lanark's regular Makers Market's showcase the best of hand-made products from designers, crafters and artists across Scotland!
Have fun and pick and carve your own pumpkin at Valley View at Gouldings between Friday 2nd and Saturday 31st October!
You can celebrate the life of someone special and make a difference to the lives of patients and their loved ones this Christmas by supporting St Andrew's Hospice 'Light Up a Life' campaign!
Tenement Through Time is a new, innovative and interactive exhibition which explores tenement life in New Lanark between 1881-1971!
Shop from the best in Scottish Crafts and support your local makers at The Crafters Roadshow at EK, East Kilbride!
Every Sunday is a Sunday Treat Day at Cafe Fairfull... why not bring along a friend or even the whole family?
Make your mark on a new Creative Activity Map for Renfrewshire and join in with Renfrewshire's Fun Palaces Weekend on the 3rd & 4th October 2020!
Beat the Street is a fun, free game that will see Bonnybridge, Camelon and Kilsyth transformed into a giant game! See how far you can walk, cycle and run in just four weeks!
Honest, revealing and urgent, David Attenborough: A Life On Our Planet is a powerful first-hand account of humanity's impact on nature and a message of hope for future generations.
Come and visit Falkirk Stadium Car Boot Sale, the biggest and best car boot sale in the region, every Sunday... all welcome!
Creative Stirling, in collaboration with shape master George Connell from Shape with a Difference, announce Off the Grid - a creative maths exhibition as part of Maths Week Scotland.
This workshop at Central Scotland School of Jewellery is an excellent introduction to the creative use of precious metal clay and is suitable for all levels.
Woodland Experience has launched Santa@Home, a fun-filled experience that will ensure your family can still enjoy Santa's magic this year from the comfort of your own living room!
From food to sweets and treasures to junk, Stirling Market is open every Sunday regardless of the weather!
Strathcarron Hospice will be taking their annual 10K Race virtual for 2020. Will you join the challenge on 4th October?
Whatever your taste in music, come along and enjoy the atmosphere of the 15th annual Callander Jazz and Blues Festival from Friday 2nd until Sunday 4th October!
Under The Trees is offering the chance for families to undertake the John Muir Award with them. It's a fantastic outdoor learning award, and is easy to achieve - even under our current situation!
Learn2draw's weekly art classes for children start on 22nd August, offering a glimpse into different art styles and mediums connected by the theme " World Explorers".


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While living a healthy lifestyle and staying on track is important, wiggle room is also a must-have for keeping your sanity without going overboard. I've made this dessert recipe with that in mind – included are peaches, which are high in antioxidants and provides a dose of Vitamin C; 1% milk to boost calcium content and vitamin D, and a high quality protein powder to help build lean muscle and keep the metabolism firing. Enjoy!
Grilled Peaches with Whipped Strawberry & Peach Protein Fluff
Serves: 1
1/2 cup Frozen peaches, sliced
1/3 cup 1% milk
1 scoop Strawberry ISO Lean Pro
1/2 tsp. Xantham gum
1 whole Peach, halved and pit removed
Method of Preparation:
To make Fluff: In a tall container, combine first four ingredients and, using a hand blender, mix until well incorporated. Then, using the whip attachment, "fluff" the consistency until airy and has doubled in size.
To Grill the peaches: Place your grill on medium high heat, and place peaches flesh side down and allow to cook for about 6 – 7 minutes. Place peaches, grilled side up and top with protein fluff.
For a more savory dessert, include the following ingredients:
1. Balsamic vinegar; drizzle on plate first
2. Rosemary, chopped; lightly sprinkle onto grilled fruit and fluff
Nutritional Information: per serving
240 Calories
31g Carbohydrates; 4g Fiber
30G Protein
2g Fat
About the Author
Johnathan is a Culinary Nutritionist and professional Chef. With 10 years spent preparing gourmet cuisine across the United States, his passion for cooking and experience as a food professional allows him to create budget friendly fitness gourmet meals anyone can make. As a nutritionist, he helps others lead healthier lifestyles by integrating fitness habits into their daily routine. Johnathan's firsthand knowledge having overcome obesity by losing 170 pounds enables him to offer his clients flexible and effective weight loss solutions.
Follow his healthy cooking secrets and motivating tips at www.facebook.com/johnathanthefitchef


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The Knights of Jeneve was a military organisation dedicated to the preservation of human knowledge.
When Vazlor Baygent became President of Earth in the third quarter of the 23rd century. Still recovering from a series of interstellar wars, Baygent believed that humanity could still encounter greater threats in the future. To prepare for the potential dark ages that could result, he had databases created with as much of scientific and cultural information as possible. Baygent gave the care of these databases to an existing organisation which he rechartered as the Knight of Geneva. Over time the name became slightly corrupted until by the 26th century they were known as the Knights of Jeneve. (PROSE: Dragon's Wrath)
After the President's assassination, the Knights also had another purpose; the achievement of the Baygent Apotheosis. This was the resurrection of Baygent using memories retained in encoded DNA patterns. Chris Cwej, a descendant of Baygent, was eventually chosen. However, his body bepple and latent psychic powers made him unsuitable. (PROSE: Deadfall)
Behind the scenes Edit
Regarding the collection of knowledge, the novel states that Baygent "entrusted its completion and protection to an existing scientific-military organisation which was at once seen as independent yet tied to political powers." This is likely a reference to UNIT, but not made explicit due to copyright issues.


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Kajabi is a content marketing system that gives people and small and medium sized businesses a complete and centralized system from which to sell, market and deliver product content. Providing customizable themes, a landing page builder and video hosting as well as integrated payments and an interactive in-course message board, Kajabi seeks to provide users with a comprehensive yet user-friendly content marketing solution. Kajabi Unifi Email List
With Kajabi, users may make digital products such as membership sites, online courses and training portals efficiently and effectively. So as to build aesthetic and engaging product content, users can create customizable themes, stream videos, add file downloads and upload images and sound. Users may also bring all of their products together onto one site using one login, a custom URL and an integrated blog to aid in acquiring subscribers.
Further to digital content production, Kajabi simplifies sales, marketing and customer engagement. Since Kajabi merged with Stripe, users can accept straightforward electronic payments. To simplify marketing approaches, Kajabi allows users to build custom forms and landing pages with not trouble. Users may also send email broadcasts and then track their performance with Kajabi's email analytics. Kajabi embraces lots of built-in integrations with applications like MailChimp, Infusionsoft and Google Analytics permitting users to handle their online products and share their digital content smoothly.
Kajabi Unifi Email List
7 Reasons Why Kajabi Kajabi Unifi Email List
Narrowing this down to a list of seven was very hard, but here it goes… Kajabi Unifi Email List
1. It's built to sell.
Kajabi has excellent tools for creating sales funnels and landing pages, and converting site visitors into clients. You can also handle all of your email marketing within Kajabi – including automated follow-up sequences – that means, there's no need for a third party platform (although it does integrate quite easily with Mailchimp, Aweber and Active Campaign). Overall, Kajabi is the best most other online course programs in the native advertising and selling capabilities it gives.
2. It looks great from the start.
Kajabi offers a handful of choices on a core website theme that looks modern and professional and it also gives very alluring, functional templates for creating your landing pages and sales pipeline pages. There's also a market for custom, premium themes if you don't like to go with what Kajabi offers.
When it is about really creating your site, Kajabi has pre-designed themes that you can install with one click. The themes set the overall look and style of your website and help you easily and quickly create a nice website.
Kajabi is actually taking a different approach with their website themes now. They have archived 10 out of the 11 themes and are currently focusing just on the Premier Theme.
They have advanced the Premier Theme to a super flexible framework and they use it to create all the new site themes. These themes are now called Layout Presets and now there are 6 different Presets available in their library, all of which can be created on the"Premier Framework".
All the Layout Presets have a simple and modern design and they do look good. Once you set up a Preset, you can further modify it with the page builder to give your site the feel and look you desire.
You can still use any of the 10 themes that have now been transferred to the Legacy Themes archive if you want. Although, as Kajabi will not be working to develop them anymore, I will recommend that you use just the Premier Theme for your website.
Lastly, Kajabi also provides you the option to import and use custom themes. So, if you're a power user, you may hire a developer to design a completely custom theme for your site.
3. It's competent blogging capabilities.
While not yet at par with WordPress, the blogging capabilities Kajabi presents are notably better than those of a great number of online course platforms. (And, remember, a solid blog is just one of the best assets for attracting traffic to your website and products.)
4. It has strong video streaming capabilities.
Kajabi has Wistia – among the all-around best video hosting platforms – completely integrated for streaming and uploading your videos. As a result of this you can be assured that your videos will deliver as good as possible for whatever screen or bandwidth any individual customer is using — and that they will be as safe as possible.
On top of that, this doesn't need a different Wistia license – it is just included in. Bear in mind the Wistia pricing begins at $99 per month for a Pro license (what most course sellers will need) – so, considering that entry-level Kajabi pricing starts at $149 per month ($119 is paid yearly), this is a pretty major bargain. Kajabi Unifi Email List
5. It will jumpstart your product creation.
Kajabi offers great templates for mini courses, online classes, evergreen trainings, and memberships. You can customize these by adding your own content and removing anything you do not need, and you will be off and running in no time. Kajabi Unifi Email List
6. It makes live events really simple to create and promote.
This somewhat goes hand-in-hand with product development, but Kajabi is so powerful in this area, it deserves to be mentioned individually.
You can easily set up a Zoom Webinar in Kajabi and – even better – create out a pipeline around it that incorporates your registration page, e-mails, a post-event offer page, and a checkout page. Kajabi offers templates for all of this, so all you've got to do is alter the text and put in your Zoom link. (You do need to have your own Zoom account.)
You can use this exact same approach to prepare online conferences or summits or even place-based events. (These kinds of events utilize Legacy pipeline templates in Kajabi. I'm assuming upgraded versions of these will come out at some point, but they work just fine right now.)
7. It's supported by an extensive network
Kajabi has been around for quite a while. Because of this, there are a number of companies out there that have designed custom themes for it (as mentioned previously) and that offer a range of services to support it. There are also lots of blog posts and articles out there addressing just about anything you want to do with Kajabi. If you can not find what you want through the business' own training and support – which are quite good – you will almost certainly be able to find it out on the web.
So, there's really quite a lot to like about Kajabi.
In general, Kajabi will offer you much more power than most course platforms over creating a website where you are able to offer your courses but also manage the whole Web presence for your business. To put it differently, you don't need to set up a separate website on WordPress or another platform – a Kajabi site can become your home base.
Pricing Kajabi Unifi Email List
In past years, I've seen online course platforms that offer free plans, and some cheap ones about $20. However, it seems like you usually receive the best features around the $50 to $100 pricing.
When you take a look at Kajabi, it's certainly going to look like the pricing is quite off the charts. The least expensive of the plans is $103 per month, and that is when you pay annually. It is not exactly what online course startups want to hear, but it is crystal clear who Kajabi caters to.
The cheapest plan, as mentioned, sells for $103 a month. With that, you acquire support for 5 products (courses) and 1,000 active members. Hence, Kajabi is more of a high-powered system for comprehensive courses.
The business is attempting to get you to make quality products, then promote the hell out of them with the extreme advertising tools.
Let's have a look at the complete range of pricing: Kajabi Unifi Email List
Basic – $103 per month gets you support for 5 products, 25,000 marketing emails per month, 1 admin user, 1,000 active members, 1 website, and 25 pipelines.
Pro – $311 per month gets you support for 100 products, 75,000 marketing emails per month, 5 admin users, 10,000 active members, 3 websites, and 100 pipelines. You also acquire an affiliate program and also the choice to remove the Kajabi branding.
Premium – $719 per month gets you support for unlimited products, 150,000 marketing emails each month, 25 admin users, unlimited active members, 10 websites, and unlimited pipelines. You also receive an affiliate program and also the choice to remove the Kajabi branding.
An Enterprise plan is also offered, but you need to speak to the Kajabi company in order to acquire more info on that. I would assume Kajabi is inclined to support any enterprise size, so you can customize your plan.
It's also worth stating that all Kajabi plans include 0% transaction fees, 24/7 email and live chat support, drip content, advanced customization tools, training courses, and webinars
Free Trial
Kajabi doesn't offer a free plan but it does offer a free trial on all plans so that you can try out the software. Normally, Kajabi extends a 14-day free trial but you can get a 28-day free trial as part of their Kajabi Hero Challenge.
This challenge is a proven strategy for getting yourself on the right path to becoming a Kajabi Hero.
When you accept this Challenge, over the next 28 days Kajabi will walk you through everything you need to do to build your first digital product and get your first sale. .All within 28 days!
Customer Support
Live chat and email support are provided 24/7. So, when you encounter a situation with your course website, you can contact one of the live chat representatives, regardless of what time it is. I asked a question and they came back to me in 20 minutes. Of course, it does not always happen so quickly and they do not have a guarantee to reply you within 20 minutes. However, for me, this shows a fantastic support.
If you get a yearly plan, they will provide you two 1-on-1 lessons that last an hour. During those lessons, they will take you hand by hand and show how you can begin using Kajabi.
In terms of the internet resources, Kajabi does not disappoint.
Event and webinar choices are provided for the Premium plan clients, but everyone is able to get the Kajabi blog and the help center.
The blog covers everything from content marketing to improve your writing skills, and the help center has videos and articles for understanding the Kajabi features for marketing, integrations, your online store, and the handling of accounts.
Kajabi also has a rich collection of articles and videos, so the help center is perfect for those who prefer to finish their own research.
The best part of Kajabi is that everything is under one roof. Email, landing pages, sales pages, shopping cart, website, blog, marketing funnels, online courses. It is all there in one system. VERY NICE.
And you know what, Kajabi does quite a great job at most of those functions, and they're always enhancing and adding more features.
But what almost always astounds me is the live customer care. They provide 24/7 live chat, and the longest I have ever had to wait (and I have chatted at all times of day and night!) Is three or four minutes, once. Every other occasion (and there have been many!) I am almost instantly connected to someone. And these people are awesome. They will get you the answer, assist you troubleshoot your issue, and even tinker around with some options or codings on the page to make it work if you are trying something a little more custom and can not quite get it to work correctly. Seriously. The support team is the best!
The price, this software is definitely on the pricey side and higher than their competitors.
Is Kajabi Worth It? Kajabi Unifi Email List
First of all, I answer the question that some people were asking online, "Is Kajabi a scam?" No, Kajabi isn't a scam. Kajabi Unifi Email List
If you do not classify yourself as a"techy" person, and you know, without a doubt, that you don't want to learn how to do any type of custom coding, Kajabi should be at the top of your list for consideration.
I love that it not only focuses on course production but also on marketing and sales.
Because many people end up trying to choose between Kajabi or Rainmaker, in a sentence, I'll sum the recommendation up like this: Kajabi is much better at developing a membership area for online courses than Rainmaker.
Kajabi Unifi Email List


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|Are Hamsters From a USDA Licensed Breeder Better?
|by Linda Price
|I have often been asked what it means to be USDA licensed. Most people misunderstand the meaning of being licensed. They think it means that those hamsters are somehow better or healthier than those of a non-licensed breeder. It does not mean that at all -- and often means the opposite. Personally, I would feel far more comfortable buying from a serious hamster hobbyist (like an active hamster show breeder) than from a USDA licensed breeder. A hamster from a USDA licensed breeder can be an unhealthy or sick animal ñ or a mean and nasty hamster. Then again it can be a very happy and healthy hamster. The whole range is possible. USDA certification is NOT a stamp of quality and should not be so interpreted. It only means the breeder meets a minimum set of requirements.
As anyone who has been to my house knows, I keep a lot of hamsters. The documentation and confirmation of genes requires a lot of cages. Thus, I do keep a USDA license (the non-business license) since my extra babies go to local pet stores. This is written from my experience in this process over the last couple of years.
What is the USDA?
"USDA" stands for the United States Department of Agriculture. They are the organization which regulates hamsters in the United States.
Who needs to be licensed?
USDA licensing is for large-scale breeders -- mostly commercial breeders. If you sell more than $500 in animals per year, you need to be USDA licensed. Sales directly to the final pet owner do not count toward this $500. Only hamster sales to someone else who will then re-sell to pet owners count. Thus, if you sell more than $500 in animals to pet stores or to pet distributors, you need to be USDA licensed.
What is a pet distributor?
The large chain pet stores like Petco, Petsmart, and Petland usually buy exclusively from a specific pet distributor. This pet distributor is typically under contract to provide all small animals as well as potentially other animals, food, supplies, etc. These pet distributors must then raise or purchase all of the various small animals which that chain carries. Some pet distributors raise some or most of the animals they supply. Others buy all of their animals from a few key breeders. Obviously, they prefer to buy from large breeders so that they do not have to deal with large numbers of people. Some pet distributors require their breeders to raise a minumum number of animals; others require their breeders to raise a certain number of species to be one of their breeders. Some distributors even have most of their animals shipped in by plane. It varies by distributor. These distributors then typically deliver to all of the stores at a regular interval.
These pet distributors must be USDA licensed. They are often audited and must keep on file the names of all of their breeders to confirm that they are indeed also USDA licensed. Since they only deal with large breeders, virtually all of their breeders would have to be USDA licensed.
What is the process to become licensed?
The process requires filling out an application and paying a fee. (The fee is determined by your sales volume.) Part of the process includes having a veteranarian visit your hamstery (at your cost) at least once a year. A USDA inspector will also visit your facility, typically twice a year although he can come more of less often and even pop in unannounced if he feels the need. The inspector may not handle a single animal. He may also know little about hamsters since he covers inspections for all species. He relies on the vet to verify the health of the animals -- and the vet only comes once a year. The vet will only be as good as the breeder choses. (Note: the rules are different for other species. These are the requirements for hamsters.)
What does the inspector look for?
The inspector verifies that you meet the minimum criteria for a clean facility. He does NOT verify that your hamsters are healthy and happy. He only verifies that you are following a given process in the care of your animals.
Here are some examples of things my inspector has asked about.
1. You must be able to sanitize your facility. Thus, your animals may not be kept on carpet. They must be kept on a surface such as a floor or on cement since that can be better cleaned. They canít, though, be kept directly on the floor but must instead be on a shelf or other surface. (I believe this is because a cement floor would transmit temperature extremes ñ particularly cold.)
2. You must keep your open food and bedding in sealed containers. Most USDA breeders use large trash cans since they typically buy supplies in bulk. This minimizes the risk that wild rodents will raid your supplies potentially spreading any diseases they may carry.
3. You must have adequate ventilation for your animals as well as temperature control to avoid heat and cold extremes.
4. You should keep a cleaning and feeding log as well as maintain records of all your vet visits to your vet for care. You must also maintain a record of all animals which enter your facility from other sources.
There are many other rules on the adequacy of your facilities and your animal care. There are also regulations on shipping since many commercial breeders ship. There is an entire handbook for review.
Does the USDA control what cages you use?
No. They do not mandate whether you use wire cages, aquariums, or any other type of cage. The truth is that most large commercial breeders use ìlab cagesî since they are the easiest to maintain.
The reason most large breeders use these cages (and your larger commercial hamster breeders will keep literally thousands of hamster cages) is the ease of feeding, watering, and cleaning. Feeding and watering are done from outside the cage with minimal disruption to the hamster (and yes, minimal contact or touching of the hamster). It is quick and easy. The cage only needs to be opened when the cage is cleaned. A previously sanitized lab cage can be prepared, the hamster(s) transferred, and the dirty cage sanitized for use with another hamster. It is by far the quickest way to maintain a large number of hamsters.
The USDA does, though, maintain a minimum cage size for hamsters. It is much smaller than anything a pet owner would think of putting their hamster in. In my opinion, it is appallingly small.
The USDA specifies that an adult syrian (over 10 weeks of age) needs a minimum of 15 square inches of floorspace (100 square centimeters). Thatís a 3 x 5 inch rectangle (12.5 x 7.5 centimeters) and totally inadequate.. They allow a maximum of 13 adult syrians in one cage, and you can put them in a cage the size of a ten gallon aquarium (approx. 200 square inches). Obviously, this would not ìsafelyî house 13 adult syrians. It would most likely lead to the death of most of these animals! You never house even two syrians together let alone 13 adults in a cage the size of a ten gallon aquarium!
|Here is one of my older syrian females on a 3 x 5 piece of paper. She's quite average for my show lines. You can see the problem. She is just plain too large for the space.
|The rules state that baby syrians up to the age of 5 weeks only need 10 square inches, and syrians aged 5-10 weeks need 12.5 square inches.
The minimum USDA space for dwarf hamsters is about half that for syrians. Dwarves up to 5 weeks of age need at least 5 square inches, from 5-10 weeks of age need 7.5 square inches, and over 10 weeks need at least 9 square inches each. The maximum per cage is the same as syrians. Thus, you could ìsafelyî house 11 adult dwarves in a 5 gallon aquarium. I wouldn't want to house even one in a 5 gallon aquarium. I find it amazing that they allow 11 adult dwarves in that space!
Regulations for nursing mothers are even worse. A nursing syrian needs a minimum of 121 square inches. Thatís about two-thirds the size of a ten gallon aquarium. The most amazing requirement to me, though, is the nursing dwarf requirements. They state that a nursing dwarf mother only needs 25 square inches. Thatís a 5 inch by 5 inch square! They would hardly be able to turn around in that space! And there is no mention of dad. Virtually all commercial breeders would house the dwarves in pairs. So, if you followed the minimum USDA rules, your little dwarf family would by literally on top of each other. You couldnít even fit a food dish or toy in there.
|Here is one of my little Blue Moscow dwarf families. They are quite average with a mother, father, and five babies. Many of my litters are larger, yet this poor family would barely survive in a space as big as the yellow piece of paper (5 inch x 5 inch).
|So following the USDA rules is certainly not hard ñ as far as space it concerned. Truthfully, itís not hard for anyone. In my opinion, it is really only a restriction if you are neglectful of your animals. It is a bare minimum.
What should you consider before buying from a USDA breeder?
Generally, you would look for the same things as when you buy from a private breeder. Below are some of the concerns you might want to consider asking about.
1. You might want to know how many cages the breeder keeps. Obviously when a breeder has more cages, they have less time per animal to handle and care for them. Of course in this number you would have to include other species they raise. And remember that it is hard to be an expert in all species. Someone who focuses on just hamsters is more likely to have the knowledge to accurately assess hamsters.
2. You might want to ask how the breeder avoids and/or deals with inbreeding issues. Most commercial breeders (and show breeders) use inbreeding. Problems can and do crop up. Understanding the process for identifying and dealing with these issues is important.
3. Ask if and how the breeder introduces new stock into their hamstery. How often do they bring in new animals? Do they quarantine all new animals regardless of the source? If so, for how long?
4. Have they had any infectious or genetic diseases in their hamsters? If so, when? How was the problem dealt with? What is done to prevent such problems in their hamstery?
5. What do they feed their hamsters? Do they choose a good quality feed or mix their own? Large breeders will sometimes buy rigorously tested feeds from lab companies. If so, these companies sample and monitor the nutritional ingredients in each batch to ensure they provide what their ingredients claim. They also do regular testing of their feed on live animals. If a breeder mixes their own, though, this process can be bypassed and the animals can lack some of the nutrition they need. So if the breeder you are considering mixes their own food, how did they assess what ingredients were needed and in what quantities, and what is their process for on-going assessment? And how do they monitor the nutritional needs of their animals on a regular basis to ensure that they are healthy? This is very important especially in a large commercial breeding environment.
6. If you are interested in showing your hamsters or are interested in a particular color or gene, make sure you ask the breeder about it. Some know their genetics. Many do not. Some also get creative in their naming and don't follow the the BHA or other naming conventions. Find out what they mean by a particular name. Ask for the genetic symbols of that animal and its parents if you plan to breed for specific colors and/or patterns. This will save you a lot of heartache later when you can't get what you wanted and have to start again with fresh animals.
Also, don't expect a commercial breeder to sell you a show-quality hamster. It is very rare that they would show their hamsters or even know what "show quality" was. First, there are few clubs. Second, most aren't raising for show purposes. You can certainly ask them if they show and what awards they have won (and if your prospective hamster comes from this line and is nearly on par with the winner), but it is generally better to buy show animals from active show breeders.
7. You might want to ask how young and how frequently they breed their syrians. Most will pair their dwarves for life, but many commercial breeders over-breed their female syrians. The rule of thumb that show breeders use is to only breed a syrian 2-3 times in her life. The generally accepted ages are at about 4 months, 8 months, and 12 months. The breeding at 12 months may or may not occur depending on the health of the mother. After this point, she becomes a pampered retiree pet. Many commercial breeders start breeding syrians at under two months of age and give very short breaks between litters. This can lead to less than healthy mothers and babies. Many also "do away with" any hamsters which are no longer actively producing pups. If you are concerned with how they treat their hamsters for their entire lifespan, ask.
8. The last one should be obvious, but Iíll mentioned it just since I know some commercial breeders who violate this one. Syrians should never be colony bred (including the so-called "black bears"). Males should only be introduced to females for a half hour at the time of mating. Leaving syrian males and females together ñ for days, months, or for life ñ is irresponsible breeding. It is both unhealthy for the animals and leads to fighting. I would never support such a hamstery.
In summary, being USDA licensed does not mean those hamsters are of a higher quality than any other hamsters. In fact, most of the hamsters you find at Petco, Petsmart, etc. are hamsters from these USDA licensed breeders. These are the hamsters you are getting. Thus, I would be just as wary as you are of pet store hamsters. It is always the same rule: Let the buyer beware! Don't rely on anyone -- the breeder or an outside organization -- to tell you what a quality hamster is. Learn about hamsters yourself, and make your own decision. Handle the hamster before buying, and make sure it meets your needs.
If you have a hamster club in your area, it would be much better to check with them before buying your hamster. Most active club breeders (and see if they are active and attending shows) spend a lot of time with their animals, are intimately familiar with their strengths and weaknesses, and handle them regularly. They would far exceed the minimum USDA standards and would have a better chance of providing you with a well-rounded and socialized hamster. If none are available in your area, try to find a small hobby breeder who focuses on temperament.


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13 February, the Ivar Aasen field in the North Sea was officially opened by Minister of Petroleum and Energy Terje Søviknes. "The development of Ivar Aasen is an important milestone for the oil industry, and represents significant values for the Norwegian society", said Søviknes at the opening ceremony, which was conducted on the helideck on the Ivar-platform. This was the minister's first visit to an oil platform.
Oil production from the Aker BP-operated field started on 24 December 2016, four years after the Plan for Development and Operation (PDO) was submitted. The project has a total cost framework of NOK 27.4 billion. The development was completed on time and within budget – and with no serious incidents.
Efficient and modern
Ivar Aasen is a large and demanding project, with deliveries from all over the world. A total of more than 5000 people, primarily in Trondheim, London, Singapore, Arbatax (Sardinia), Stord and Oslo, have spent more than 17 million working hours on the Ivar Aasen project.
"Production start-up was a huge milestone for Aker BP as a company. This would not have been possible without skilled, safety-conscious employees and suppliers working closely together. We have achieved good results by working as a single team with a common goal – completely in line with our values", says Aker BP CEO, Karl Johnny Hersvik.
Modern technology contributes to maximum efficiency in operation of the field. The organisation on board the platform is closely integrated with the onshore organisation via modern communication solutions. Operations are controlled from an operations centre in Trondheim. Core offshore staffing during normal operations will consist of 21 people.
"We are building a strong, cost-effective Aker BP, whose goal is to become a standard-setting company on the Norwegian Shelf. Ivar Aasen has been organised, and will be operated, in a way that is completely in line with this strategy," Hersvik points out.
The recoverable reserves for the Ivar Aasen project are estimated at more than 200 million barrels of oil equivalents. The field's economic lifetime could be 20 years, depending on oil prices and production development.
Source of inspiration
Aker BP, which was established on 30 September 2016 following the merger of Det norske oljeselskap and BP Norge, has the vision of becoming the leading independent offshore exploration and production company. The company has activities and ownership in licences along the entire Norwegian coast, from the southern part of the North Sea to the Barents Sea.
"Aker BP has considerable confidence in the Norwegian Shelf as an attractive area for investment. This applies within exploration, field development and, not least, operation and further development of the fields where we are the operator. In this landscape, start-up of production on Ivar Aasen is an important source of inspiration for us," says Øyvind Eriksen, chairman of the board in Aker BP ASA and CEO in Aker ASA.
Facts about the Ivar Aasen field
The Ivar Aasen field is located in the North Sea, approx. 175 km west of Karmøy.
The field was discovered in 2008, and was assessed together with previous discoveries in the nearby area.
In December 2012, Det Norske submitted a plan for development and operation of the Ivar Aasen field to the Ministry of Petroleum and Energy (MPE). The Storting (Norwegian Parliament) approved the plan on 21 May 2013.
The first oil was produced on 24 December 2016 – on time and within the budget.
The Ivar Aasen field is a coordinated development with the Edvard Grieg field, which is located ten km further southeast, and the export solutions are coordinated with this field. The gas is exported via the UK Shelf. The oil from the two fields is exported through a new pipeline from the Edvard Grieg field to the Grane oil pipeline, and further on to the Sture terminal. Ivar Aasen receives power from the Grieg platform.
About Aker BP
Aker BP is a fully-fledged E&P company with exploration, development and production activities on the Norwegian Continental Shelf (NCS).
Measured in production, Aker BP is one of the largest independent oil companies in Europe.
Aker BP is the operator of the Valhall, Ula, Ivar Aasen, Alvheim and Skarv field hubs.
The company is headquartered at Fornebuporten outside Oslo and has offices in Stavanger, Trondheim, Harstad and Sandnessjøen.
Aker BP ASA is jointly owned by Aker ASA (40%), BP (30%) and other shareholders (30%). The company is listed on the Oslo Stock Exchange with ticker 'AKERBP'.
Movie of the development of Ivar Aasen:


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Whether you are buying or selling property in today's real estate market, confidence in your realtor is important. My commitment is to provide you with the specialized real estate service you deserve.
As an informed buyer or seller, you'll make the best decisions. My goal is to keep you informed of trends in the marketplace by providing the latest area information and statistics. Central Oregon continues to attract people looking for a better quality of life, real estate is a sound investment, for now and for the future.
Please feel free to contact me by phone at 541.480.2628 or email Connie.


text:
Rutgers Ave, Jakarta Timur, Greenville
Tambahkan ke Favorit
Downtown Frederick hot spot. Top location for local entertainment. All fixtures are included. Liquor license can be included. Price includes 3 leased apartments on the second floor income $2,200 per month.
Free standing built out restaurant with separate dining/banquet room. Spacious outdoor dining deck. Large commercial kitchen fully equipped. Seating capacity over 200 with large event area with stage and movable dance floor. This opportunity is perfect for investor or owner operator. Keep existing concept or introduce your own.
Alamat: Rutgers Ave
Kota: Jakarta Timur
Kota: Greenville
Kode Pos: 10009
Negara: United States
Property Id : 154
Harga: Rp. 1,500,000
Luas bangunan: 700 m2
Luas Tanah: 850 m2
Jumlah Kamar: 5
Jumlah Kmr tidur: 2
Jumlah Kmr mandi: 2
Structure Type: Brick
Jumlah Lantai: 1
gas heat
wine cellar
lake view
fenced yard
washer and dryer
private space
Roof Deck


text: As the saying goes, "failing to plan is planning to fail". This is never more true than in the world of small businesses. Looking back on the year, there may be many obvious mistakes that have prevented your company from seeing its full potential. In the coming year, there are several crucial steps that will ensure manageable and profitable growth for your small business.


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Winter Impact on Your Missouri Lawn
Cardinal Lawn Care ~ Taking Care of Lawns in Arnold and Pevely, MO Since 2010
When you invest in your lawn, you want it to be healthy throughout the entire year. After the snow melts, you don't want to see brown or rusty, dead patches spreading on your Pevely lawn.
As late fall morphs into winter, your lawn grass goes into dormancy. Winter brings snow that keeps your turfgrass insulated during the season's long months.
And popular lawn diseases, like pink snow mold, red thread or large patch actually start in the fall, incubate over the winter and then show themselves in spring.
In this blog, you'll learn about three winter diseases that affect lawns in MO as your lawn grass comes out of dormancy, and how a professional lawn care company can help your lawn recover from winter damage.
Cool Season Grasses
Missouri is considered a transitional zone in the United States. It means that our lawns are a blend of cool and warm season grasses, and each type of grass has different needs for fertilization and weed control.
Popular cool season grasses include Kentucky bluegrass and tall fescue. These grasses do well in partial to full shade. If well-tended in the fall, they grow into a deep green carpet that crowds out weeds the following spring.
But these cool season grasses are susceptible to winter damage such as red thread and pink snow mold. Neither of these fungal diseases will kill your lawn, and amazingly enough, the diseases go away on their own.
However, it may take a few weeks for your lawn to recover. For seriously damaged lawns, your lawn care technician will apply fungicide to get rid of the disease.
Your lawn is more susceptible to pink snow mold and red thread disease when we've had a cool, wet winter with a lot of snow. And if your yard grass got too much fertilizer at the wrong time of year.
And if you cut your grass too low before the end of the season, your lawn is at a higher risk for contracting these two winter diseases.
Learn why the right spring fertilizer is vital for the health of your lawn grass throughout the entire season.
Warm Season Grasses
If your lawn has Bermuda or zoysia grass growing in it, you may notice brown patches that continue to develop once the snow melts from your grass. These brown patches are called large patch, and this disease could severely damage your yard.
Your warm season grasses may also be showing signs of spring dead patch, another fungal disease affecting Bermuda and zoysia grasses.
Ideally, warm season grasses are treated almost at completely opposite seasons from their cool season cousins. While Kentucky bluegrass and tall fescue need good fertilization in the fall to survive the winter and come back thick and green, Bermuda and zoysia grass do better when they go into dormancy with no extra fertilizer.
Instead, warm season grasses need extra fertilization during the spring and summer months.
When warm season grasses get too much fertilizer right before they go into dormancy, and you cut your lawn too low in the fall, your lawn is more susceptible to large patch come spring.
Read why your Arnold, MO lawn needs pre-emergent weed control by the time the forsythia bush blooms.
How Cardinal Lawn Care Can Help Your Lawn Recover
No matter what lawn disease hits your property, you want a professional lawn service that can properly diagnose the problem and set up a plan for your turfgrass to recover.
At Cardinal Lawn Care, we understand the fertilizer needs of both cool- and warm season grasses. And we understand the challenges that homeowners, like you, face throughout the year keeping your property looking its best.
We'll help your warm season grasses return to health with our special fertilizer treatments. We'll also core aerate your lawn if soil compaction is making the condition worse.
If your cool season grasses have pink snow mold or red thread, we'll inspect your lawn to see the extent of the disease. Most times, these diseases will go away on their own.
However, if you have a serious problem, we'll recommend fungicide treatments to get rid of the disease.
Since proper mowing is essential to your turf's recovery, we'll also mow your lawn at the right height to keep the diseases from spreading as well as encourage new grass growth.
You can still have a beautiful, thick lawn that crowds out weeds this year—even if the melted snow revealed some problems this spring.
If you think your lawn has red thread, pink snow mold or large patch, call us right away at 314-686-3907 or get your quote online by filling out our contact page.
Hampshire, Kristen, "Winter Disease Watch," LawnandLandscape.com.


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6/30/2011 0 Comments
Spotlight Page & The Akademia
Good day lovely people!
Check out my new author spotlight page here: http://www.lulu.com/spotlight/LadyPoet
It contains info to my other sites as well as book info for My Art, My Love.
It's now easier than ever for you to get a copy so no excuses, kapeesh?
Also, if you're in the Los Angeles area, stop by the Akademia in Beverly Hills (on Santa Monica Blvd) tomorrow and enjoy a wonderful night of great talent, cake and wine :) Bring your poems, songs, dance routines....bring a friend! This is a cute and intimate art gallery that hosts this weekly event on Fridays and I'll be performing! Hope to see you there at 8:00 pm.
If you have any questions, feel free to ask below :)
6/17/2011 0 Comments
Some recent publicity...
So, I had a wonderful interview on www.blogtalkradio.com/joygirl-music last night with host, Juanita. It was quite pleasant and I got to perform a few pieces of poetry. If you're interested, check out the website and take a listen. She has shows every Thursday at 6pm pst 9pm est. Thanks to everyone who did listen in and support!
Also, Check out My Art, My Love featured as the Triumphant Discovery of the Week on www.triumphantdiscovery.com This is an incredible fashion blog and the team is comprised of extremely talented artists and genuine people! Check out my ad on the site. You can click on it and get a copy of my latest book!
Thanks again everyone, and stay tuned for more great news! ;)
I'll leave you with this:
"Allow your heart to teach your mind to form your lips to speak your dreams into existence." - Moi :)
Being someone you never intended to be
is exhausting as much as it reeks--
absurdity comes to mind
the unwanted energy expelled to perform
someone else's will grabs onto your body
like an impending disease battling acceptance
You were compelled to hasten to the unknown
a rotund field, a massive enough pie for everyone to feast
but then you realize you don't like pie
in fact, it's not just the flavor you've developed an
aversion to--
but the whole idea of glazed apples shielded by a coat
of golden crust repulses you!
Why then, after this discovery, do you resume this
outlandish crowd-pleasing ritual? Why can't you
flaunt key lime or dabble in blueberries?
Soon this nauseatingly bland excuse for a contest
comes to a halt
only, unlike the rest of them, you're still empty
not slightly hungry or teased
full-out ravenous!
they lick the succulent glaze off their lips
while you reach for a breat of air, desperately hoping
no one notices
When will you create your escape?
*For this piece and more, Get a copy of my new book: My Art, My Love
See Home page for Buy Now link :) Thanks for reading!
6/11/2011 1 Comment
A Little Task...
So I've been challenged to think about the many things I've learned throughout my journey up until this very moment and to write them all down. Simple enough, right? I really had to think about this though. We go through so much that makes life seem overwhelming, we owe it to ourselves to recollect the great experiences we've had and to use them as stepping stones. Good or bad, happy or sad, everything we've endured up until now was necessary to shape the person we've become. We're all guilty of dwelling on the negatives and pretending the positives hold little to no weight in the grand scheme of things. But in my continued effort to refocus my mind, transform my thoughts and change my perspectives, I plan to tackle this little task with an understanding of the impact it will have on me and how others view and treat me.
Here are my top 3 I'm willing to share about the things my journey has taught me. Don't be shy. Make your list too! It may be an eye opener for you...you know, put things in perspective :)
1. Independence. Many of us share this similar value. Not the "I don't need nobody and I'm an island" type of independence. But the kind that makes us aware of our true selves, what we want, and take full responsibility for the choices we make. Yeah.
2. Humility. This isn't a very common characteristic in our day. But for some of us who have had the opportunity to escape our own worlds and empathize with others, we tend to appreciate where we are and what we have a lot better. You'd be surprised how far a heart of sincere gratitude will take you.
3. Forgiveness. What's allowed me to embrace this over the years, especially recently, is the effect I've seen it have on others close to me who have chosen to hold grudges. I can't tolerate this lifestyle because not only is it limiting, but it stifles growth.
All of these have contributed to who I am today and how I deal with different situations. As my list expands, I encourage you to do the same. Recall specific incidents when you've had to put a desired characteristic into practice when it wasn't easy. In a world where we don't always receive the affirmations we want from others, it's time to take matters into our own hands and recognize our God-given strengths :-)
Thanks for the book shout out on www.youreablackwoman.com Check it out here!
My good friend Tolu has maintained this awesome blog for single, black women for years and it's an absolute must read! Thanks so much for the support Tolu!!!
August 2020


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(Article appeared 5/9/16 courtesy Staff Writer, Stabroek News) This evening at 5:30 PM in the Education Lecture Theatre, University of Guyana, the African Studies Research Group of the Department of Language and Cultural Studies, Faculty of Education and Humanities, will recognize the work of Dr. Ivan Van Sertima, one of the most outstanding Guyanese of all time. It features a documentary on Professor Van Sertima, followed by a discussion of the Transatlantic Slave Trade that brought into being the plantation societies of the so-called "New World' and consolidated the destructive extractive capitalism that is our legacy today. After a discussion on the documentary, the new book by Dr. Runoko Rashidi, Uncovering the African Past: The Ivan Van Sertima Papers will be officially presented to the University of Guyana Library by another Guyanese, Stedman Aaron (Brother Inuni), co-founder of African Echoes, based in New Jersey, USA. Tonight's event is aimed at the general public, but may be of special interest to senior high school (CSEC and CAPE History) and university students.
Van Sertima was the founder (1979) and editor of The Journal of African Civilizations, which published several major anthologies that helped change the way African history and culture is taught and studied. Thus, he informed us (via www.journalofafricancivilizations.com) that the journal "is the only historical journal in the English-speaking world which focuses on the heartland rather than on the periphery of African civilizations" and "… therefore, removes the "primitive" from the centre stage it has occupied in Eurocentric histories and anthropologies of the African".
These anthologies include Blacks in Science: Ancient and Modern; Black Women in Antiquity; Egypt Revisited; Egypt: Child of Africa; Nile Valley Civilizations; African Presence in the Art of the Americas; African Presence in Early Asia; African Presence in Early Europe; African Presence in Early America; Great African Thinkers; Great Black Leaders: Ancient and Modern, and the Golden Age of the Moor. Thus, Blacks in Science: Ancient and Modern (1983) showed that Africa had an impressive scientific tradition in certain centres and historical periods with a particular focus on African American inventions, especially in the fields of telecommunications, space, and nuclear science; African Presence in Early Europe (1985) places into perspective the role of the African in world civilization, in particular the little-known contributions to the advancement of Europe with a major essay on the evolution of the Caucasoid and discusses scientific discoveries of the African origins of humankind and the shift towards albinism (dropping of pigmentation) by the Grimaldi African during an ice age in Europe. Second, the debt owed to African and Arab Moors for certain inventions, usually credited to the Renaissance, is discussed, as well as the much earlier Egyptian influence on Greek science and philosophy; African Presence in Early Asia (1985, 1988) co-edited with Runoko Rashidi and divided into five sections. The first discusses the peopling of Asia from Africa and identifies African people with Asia's first hominid, as well as modern populations. The second section demonstrates the role of Africa in shaping major early civilizations in Asia, an overview that includes India, Iraq and Iran, Phoenicia, Palestine, the Arabian Peninsula, China, Japan and Cambodia. The third section discusses the African elements underlying the great religions of Asia—Judaism, Islam, Hinduism and Buddhism. The fourth section focuses on the historical and anthropological relationship between African people and Asia's Indo-European, Mongoloid and Semitic populations.
Guyanese educational leaders should indeed inquire why Van Sertima's work is not at the centre of Guyanese historical studies. It is hoped by the organizers that the event planned for this evening is the beginning of a more serious attempt to bring African Studies into focus at the University of Guyana. Below is the text of a tribute to Dr. Van Sertima from Dr. Runoko Rashidi (historian and public lecturer based in California and Paris):
"It gives me very great pleasure to pay tribute to a great man in the land of his birth, especially at such an auspicious time—the fiftieth anniversary of the national independence of Guyana. My only regret is that I am not here with you—in this country that has produced so many remarkable people—to deliver these remarks in person. Nevertheless, I salute the organizers of this wonderful programme and wish you all the best.
To me, Ivan Van Sertima was more than a great scholar. He was a colleague, a mentor and a friend. Along with such men as Chancellor Williams, John Henrik Clarke, Cheikh Anta Diop, Walter Rodney, Asa G. Hilliard III, Jan Carew, Yosef ben-Jochannan and Frances Welsing, he is sorely missed.
With absolute certainty it can be stated that, due to his consistent and unrelenting scholarship over the past half-century in the rewriting of African history and the reconstruction of the African's place in world history, particularly in the field of the African presence in ancient America, Ivan Van Sertima cemented his position as one of our greatest scholars. Indeed, during this turbulent and exciting period, he was in the vanguard of those scholars fighting to place African history in a new light.
Ivan Van Sertima was born in Kitty Village, Guyana, South America on January 26, 1935. He was educated at the School of Oriental and African Studies at London University where he graduated with honours. The cornerstone of Dr. Van Sertima's legacy will probably be his authorship of They Came Before Columbus: The African Presence in Ancient America. According to Ivan:
"The African presence in America before Columbus is of importance not only to African and American history, but to the history of world civilizations."
On July 7, 1987 Dr. Van Sertima appeared before a United States Congressional Committee to challenge the Columbus myth of the discovery of America. In November 1991 he defended his thesis in an address to the Smithsonian Institute. In this arena Ivan Van Sertima emerged as an undefeated champion.
As for the book itself, Uncovering the African Past: The Ivan Van Sertima Papers, this work is a tribute to the towering scholar Dr. Ivan Van Sertima. As his most prolific student it is a work that I am most proud of. The Ivan Van Sertima Papers is a unique work, beautifully illustrated with original photographs. It covers the major arenas of his scholarly life and looks at the immense contributions that African people have given to the world.
A people should never forget their history. They should never forget their great men and women. They should never forget their great scholars. This effort is an attempt to prevent the memory of one such man, one of our greatest scholars—Ivan Van Sertima—from fading into the oblivion of the night. To Ivan Van Sertima we say, well done. Your work will never be forgotten. We salute and honour you."
Tribute to Dr. Ivan Van Sertima-Great man and scholar: A celebration at the University of Guyana


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A beautiful day in Bloemfontein with this incredible couple.
Bloemfontein Wedding photographer
From Beautiful makeup
Adele & Stefan's Zeerust wedding
It was a warm day in the Northwest Province in a little town called Zeerust. Words can not express how awe-inspiring this couple is they are meant to be. The family was filled with love, tears and excitement, the photos of the day will help give you a glimpse in to the day.54
Dolly and Xolisa's wedding Zuikerkop
The wedding of Xolisa and Dolly was held at the beautiful Zuikerkop in Clocolan. The day was filled with love and joy. The minute I heard my first love story, I started looking for you, not knowing how blind that was. Lovers don't finally meet somewhere. They're in each other all along – Rumi.
Moipone and Mahau's wedding
What a beautiful wedding.
Thapelo and Mamokete's wedding in Arlington, Free State
Siphokazi and Mohale's Traditional wedding, Lesotho, Aloe Lancers Gap
I am so happy i could document Siphokazi and Mohale's day.
JOHAN & JACOLINE's wedding in Ladybrand, Eastern freestate
This wedding was so Beautiful and the couple define "Once in a life time you meet someone that changes everything."


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Billionaire property developer Christian Candy "lied" about his company structure to avoid paying "millions" in UK tax, the High Court in London heard today.
Christian Candy and his brother Nick are fighting a bitter legal battle against a former university friend, Mark Holyoake, who is suing them for £132 million.
How Christian Candy structures his luxury property firm CPC Group is a central focus of the case, which has also covered alleged threats, alleged blackmail, and alleged connections to Russian oligarchs,
In his closing statement filed with the High Court, Holyoake's defence barrister, Roger Stewart QC, said: "[There] is a lie at the very heart of CPC … In straightforward terms, CPC was set up for illegitimate financial gain at the expense of HMRC and the UK taxpayers and the benefit of both Christian Candy and Nick Candy."
"This was not some form of 'technical' tax evasion — it was a deliberate, calculated and determined attempt to divert hundreds of millions of pounds of tax. The fact that it was entered into demonstrates the sort of people that Nick Candy and Christian Candy are — two individuals prepared to enter into detailed and complex arrangements in order to commit fraud."
The two brothers have steadfastly maintained throughout the trial that Christian Candy is the sole owner of CPC Group. CPC is behind high-end redevelopments such as London's One Hyde Park and reportedly doesn't pay much UK tax.
Nick Candy, on the other hand, is the stated owner of interior design business Candy & Candy. While he often does business with his brother, the two told the court he has never been a director of CPC. Admitting otherwise might have serious tax implications, the court heard earlier in the trial.
Speaking in the High Court today, Stewart added: "[Mark Holyoake's claim] has been that [CPC] is rotten from top to toe, rotten because it's based on an essential lie."
Stewart quoted a passage from "The Brothers Karamazov" by Fyodor Dostoevsky in an attempt to characterise the brothers.
"The man who lies to himself and listens to his own lie comes to such a pass that he cannot distinguish the truth within him," he said. The statement described the brothers as having a "distorted moral compass."
The Candy brothers have denied all the allegations. Holyoake's key claim is that the brothers and their business associates intimidated him into repaying a £12 million loan, and that they threatened his family.
The closing statement for the brothers and their associates, also filed with the High Court, described Holyoake's evidence as a "fiction."
"Christian Candy is the sole legal and beneficial owner of CPC, and in spite of the inordinate amount of time consumed by this issue at trial, there is simply no evidence to the contrary," the statement said.
The statement described Holyoake as "dishonest" and said he had "lied" to secure the £12 million loan from CPC.
The trial continues.
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Refreshment and Revival
"As cold waters to a thirsty soul, so is good news from a far country." Prov. 25:25
I will never forget the experience. It was a sizzling hot summer day when a group of men in our fellowship played another team in a softball game. When we started, we were all very energetic and ready to play. But as the game wore on, so did we. Halfway through the arduous event, with our arms and shoulders drooping (and our spirits as well), someone showed up with an ample supply of ice cold water and an array of soft drinks. What a surprise and what a blessing! It did not take long for that source of refreshment to be tapped into and enjoyed. And did we ever appreciate it! The effect it had on me as well as the rest of the team was astounding. There was a new supply of energy and a renewed vigor in my step as I related to one of my teammates at the time. We were all refreshed and revitalized as a team and we were able to complete the task we had set out to do from the very beginning – not just to play the game, but to finish it and win.
In many ways, this seemingly trivial incident in the grand scheme of things is remarkably similar to what can occur in our life with Christ and our service for Him. Periodically, we can succumb to the heat of the day and scorching cares of life. They can wither our resolve, sap our spiritual strength and slacken our pace from pressing on for Christ. Energetic and enthusiastic at first, we are determined to do well and finish strong. But in the battle, we falter under the strain and sag in our spirit. Unfortunately for some, it has been that way far too long. The words of Paul to the Galatians seem very fitting: "You did run well, who did hinder you that you should not obey the truth?" (Gal. 5:7). Resolve can quickly fade like the setting sun (Judges 5:15).
But God in His mercy and grace has a way of helping us out in these situations just at the time we need it most. Like it was on that summer day on the ballfield, "someone" shows up (most certainly under the Lord's direction) with a refreshing supply of "cold water" for our weary souls. How it encourages our hearts and revives our spirits! It might be a simple verse that speaks to a need at the time or an account of answered prayer that lifts our hearts. Or it may be an outstanding report of God's power and might at work in a distant land – good news from a far country – that recaptures for us the hope that God's ways will yet prevail. It has a wonderful way of renewing our spirits and lengthening our spiritual stride and its effect is often immediate and undeniable. Thank God for His "someones" who show up in our lives in our time of need.
From another point of view however, we can also be looking to be that "someone" to others who are within our spiritual reach. Service for Christ and prayer for His servants (both abroad and home) are ways in which we can be a source of blessing and refreshment. The battle can be heated at times and constant targeted prayer is an absolute necessity (Acts 12:5). Just as Joshua prevailed against Amalek only as Moses hands were held up and steady until the going down of the sun, (Ex. 17:12-13); so too the battles of the Lord are fought and won as God's people are steadfast in prayer (1 Thess. 5:17). We need the help of each other to continue in prayer and those on the front lines desperately need our prayers. They need it and appreciate it! Israel prevailed because Joshua used the sword while Moses prayed. It is a tremendous picture of the means of victory – prayer and the Word of God.
God has His ways of providing help and refreshment when our steps are faltering. Whether we are on the giving end or the receiving end, He is faithful to His people and His Word. He is the source of all blessing and as the psalmist attested, "All my springs are in Thee" (Psalms 87:7). May we learn even more the meaning of these words in our walk with Christ.
"For we have great joy and consolation in your love, because the hearts of the saints have been refreshed by you, brother." Philemon 7


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London to Paris Bike Ride 2015
Cycle in the London to Paris Bike Ride 2015 for charity
Jul 22 2015
Jul 26 2015
Cycle in the London to Paris Bike Ride 2015 for charity
This 5 day cycling event is a great opportunity to sightsee in 2 countries whilst cycling. The event itself raises funds for the charity Sense (for deafblind people). The distance covered is an epic 265 miles but don't worry this is spaced over 5 days! The route incorporates the picturesque Kent countryside and French country lanes and market towns. Once riders reach Paris they will then cycle the iconic Arc de Triomphe. This challenge finishes just in time to watch the final leg of the Tour de France.
Where: London & Paris
When: Wed 22nd July -Sun 26th July 2015
How Far: 265 miles
Extra Info: Entry Fee is £89 and the Sponsorship Target is £1450. To register and find out more please visit http://www.sense.org.uk/content/london-paris-bike-ride-2015
Website: http://www.sense.org.uk/content/london-paris-bike-ride-2015
Need help with your fundraising? Read our Top Fundraising Tips to help make more for your chosen charity!
If you decide to take part in this event, you can fundraise using Charity Choice. It's quick and easy to create your fundraising page, and our charities are not charged any fees for receiving your donation.
Visit http://www.sense.org.uk/content/london-paris-bike-ride-2015
Event Type
Active & Health – Cycling


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Those Name Meaning & Origin
Origin of the name Thomas:
Derived from the Aramaic tē'ōma (a twin). The name is borne in the Bible by an apostle who doubted the resurrection of Christ. It is from him that the label "Doubting Thomas" came. Var: Thomass, Tomas. Short: Thom, Tom. Pet: Tommy.
From A World of Baby Names by Teresa Norman.Buy the book
Related Names:
Looking for the perfect name? Try the Name MatchMaker to find the perfect baby name for you!
US Popularity of Those Over Time
Sister & Brother Names
Know a Those? What are his siblings named?
Name Lists Featuring Those
Contribute your knowledge to the name Those
- Comments and insights on the name Those
Alternative nickname for someone with a dark alter ego called Thomas
- Personal experiences with the name Those
Involved in alcohol fueled poorly executed pranks that resulted in £1000s worth of damage to a deserving recipient
- Nicknames for Those
- Meanings and history of the name Those
Name comes from a kid that Darryl and Kleiny used to coach who was an absolute head case
- Famous real-life people named Those
Manager Darryl
- Those in song, story & screen
Incredible Hulk


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Amongst all the self-help books clamouring to make you happier and banish negativity, Chinese wisdom is a lone voice of dissent. Because if you listen, it will tell you that it's not natural, healthy, or even desirable to always be happy. It's not only ok to be sad, or angry – it's actually healthy. Chinese wisdom gently advises that all emotions are healthy for us and simply part of the tapestry of life. It's too much emotion – of any kind – that is bad for our health.
The Chinese way considers wild emotion to be addictive, distracting and bad for our health. Huge value is placed on peace, quiet joy, mindfulness and contentment.
What is vitally important is to express those emotions, whatever they are. Think about the last time you had a really good cry. Like a wailing, snot-pouring, ugly, blotchy face bawl. Didn't you feel better afterwards? That's because you dealt with the upset. When people say, 'come on, get it all out' – that comes from the Chinese philosophy that emotion is better out than in.
Repressing how you feel, keeping it all in, is seen as hugely damaging in Chinese Medicine. Unexpressed emotions get stuck in your body and stop the proper balance and flow of energy and blood. And stagnation in Chinese Medicine is what leads to illness. There's a tonne of Western research out there to back up the view that suppressed emotional negativity results in physical disease.
In Chinese wisdom, every organ has its role to play. We're talking not only what they are responsible for physically – but also emotionally. So yes, the job of the heart is to pump blood around the body, but it's also in charge of joy and anxiety. In fact, the heart has a special importance to the Chinese, because it's seen as the ruler of the organs. Oh, and it houses our 'Shen', or spirit.
The organ/emotion connections in Chinese medicine
Heart – joy/love/anxiety/hate
Spleen/pancreas – worry/ focus
Lungs – grief/courage
Liver – anger/generosity
Kidney – fear/kindness
If you think about it, the notion that our emotions are connected with our organs is not new to us. Across the world, the heart is equated with love. We talk about being 'green with envy', being 'worried sick', 'frozen with fear' or 'choked up with grief'.
What does research suggest?
Western researchers have discovered that there is a strong link between negative emotional states, brain circuitry, inflammation, and an increased risk of heart disease. Scientists have found that how well someone responds to negative emotions is linked to his or her risk of having a heart attack or stroke.
The relatively new scientific field of Psychoneuroimmunology (PNI) studies the connection between our brains and our nervous, immune and endocrine systems. PNI appears to be proving in Western terms what the Chinese have believed for thousands of years. Namely that our mental state directly influences diseases and healing and that stress and anxiety can make us physically ill.
According to Chinese medicine, emotional pain is created by the organs and manifests as Qi (life energy) and blood. This approach enables us to try and resolve emotional pain via the physical body. Chinese wisdom sees intense physical exercise as spending precious Qi that is very difficult to replace. Strenuous, sweat-inducing exercise does not create true health.
Eastern masters have known intuitively for thousands of years that systems like Qigong, yoga, and meditation actually create health from the inside out. These forms of movement are slow, peaceful and resonate with the water-like frequency of the body. This kind of exercise is a great tool for releasing deeply held emotions.
This approach has been backed up by studies exploring how the Chinese disciplines of tai chi and qi gong affect the body on a chemical level. For example, tai chi appeared to reduce inflammation and can help prevent the recurrence of breast cancer.
Researchers at UCLA conducted a five-year randomised clinical trial. The team analysed blood samples from 90 participants between 30 and 85 years old, before and after they started the tai chi routine. Dr Irwin reported on the findings: "We saw that tai chi reversed cellular inflammation, by producing a down-regulation of the genes that lead to inflammation". Adding: "Tai chi is a movement meditation, and we have found that similar anti-inflammatory effects occur when people practice other forms of meditation."
Many PNI studies have focused on how stress, hostility and depression impact the immune system. Many conditions such as heart disease, arthritis, osteoporosis and premature ageing are related to stress and negative emotions.
Managing your emotions is easier than you think. You don't need to be a Taoist sage to achieve balance. The simple solution is first to know that all emotions are natural and learn to live through them rather than suppressing your feelings. Then take simple daily measures, as in the Hayo'u Method, to process your emotions naturally.