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Yesterday's video clip from MoneyWeek got me digging. What I have turned up (far from a complete picture I confess) has got me deeply concerned. There was some further fuel added late last night when I read a report that one of the largest circulation Chinese daily papers ran an editorial basically saying that China didn't need Britain, "a small and no longer significant nation that has impoverished itself and has nothing to offer China". Sadly, I suspect they may well be right on the money despite the Prime Minister's much vaunted 6 billion pound trade deals. I note he didn't say which way the 6 billion would be going - to Britain or to China.
We should all be deeply concerned by the fact that our National Debt has shot through the 'billions' and is now over 1.4 trillion Pounds. We need to be even more concerned over the fact that, despite the much vaunted 'cuts' in all manner of 'services' and 'benefits' the overall spending in Whitehall has actually increased. This is not a new phenomenon, Whitehall 'cuts' and 'savings' always seem to translate into increases in their overall budgets. All talk of 'value for money' almost invariably means a reduction in delivery and a massive hike in the cost of whatever it is. Th awful truth of our National Debt is that it is over 9x the National GDP. Put another way, the Demand on the "Money Supply" is 9 times greater than the Supply. This can't go on.
But the terrible truth is that neither Parliament (the prime source of the problem) nor Whitehall are capable of dealing with it. Even if they wanted to, the truth is that the either haven't a clue as to how to do so, or, they are afraid to.
So what will happen if the country runs out of money? Who will really suffer?
My studies of the late Roman Empire and its collapse revealed that the majority of Middle and Working Class folk were the first victims. The rich and powerful carved out little fiefdoms for themselves, hired soldiers and sat tight, the middle classes and the workers found themselves being squeezed for massive tax demands, then for 'protection' and finally surrendered their property and liberty just for food and shelter. The wealthy families survived, eventually becoming, through marriages, 'little' wars and adoption of the tactics of the barbarian invaders, the 'noble' families who ruled Europe until the wars of Revolution in the 18th and 19th Centuries.
I suspect something similar is about to happen in Britain.
Let's take a look at what will happen if the government can no longer service its debt and the money supply dries up. As in Greece, the first to be hit will be those who depend on the State for their income. Civil Servants, teachers, doctors, nurses, fire fighters, police, soldiers, sailors and airmen, pensioners, the disabled, students and the unemployed. Health services will be crippled, those with debts, mortgages, loans and so on will no longer be able to pay for them. Unemployment and homelessness will soar, so will the need for food depots, child protection and so on. Some communities, where there is a strong community support ethic (the Muslim groups come to mind) will survive by coming together and taking care of their own as they do in the Middle East and elsewhere, the richer members of families providing the basics for the less fortunate. For the rest, used to "The Government" providing everything, there will be a major problem as the Greeks have discovered. You can't feed a family out of grow bags on the balcony of a flat, you might if you have a greenhouse or an allotment, but both of those will become very vulnerable to the desperate hungry who don't have access to such facilities themselves.
There will be riots over the cessation of 'benefits' and certainly the likes of the National Union of Students will embark on campaigns of anarchy over their Student Grants and Loans being stopped. They will be joined by others dependent on the hand-out culture we have created, and both will simply make the situation ten times worse. We can be sure a number of expensive projects will cease. The new aircraft carriers being one, but others will include things like road maintenance, keeping the rail infrastructure up to date and so on. Health care will become basic - unless you can pay for it yourself - and we can expect fuel to become increasingly expensive and scarce. That will mean cold homes for many, which, coupled with minimal food supplies will mean a rise in deaths from disease and the cold.
While Whitehall will desperately target all the 'High Profile' projects and Services (Fire, Military, Student Grants and Loans, Pensioners and so on) they will be saving 'pennies' simply because they will not dare to tackle the real cause of the problem - the major slice of the money we overspend from the Treasury goes on the 'Welfare Benefit' handouts and the massive Whitehall machine that administers it. Defence, even including the new carriers, is under 2% of our GDP, less than most of Europe spends, half what the US spends (in equivalent terms) and less than a quarter of what many Middle Eastern and 'Developing' nations we currently give Aid to, spend. By contrast, according to some sources (it is difficult to make sense of some figures since the 'benefits' now handed out are spread across several Departments and not, as one would think, under one umbrella) our 'Welfare' bill accounts for around 50% of GDP!
So far all the 'austerity' measures have done little more than rearrange the deck chairs on this sinking ship. The HMRC (as a friend discovered this week) is so desperate to find extra money they are now 'auditing' pensioners in the hope of finding hidden billions in undeclared savings. As my friend reported, the pennies they do find are far outweighed in real terms by the cost of these 'teams' chasing them. Those who do have the sort of money the HMRC would love to tax have it where it can't be got at, or have used all the loopholes in the Tax book to protect it. The only option now for the Treasury is to 'nationalise' all the 'private wealth' such as savings and private (invested) pension funds as has been done in some of the Eastern European countries trying to get their debt under control.
It is obvious that this situation cannot continue. We're broke, living on the Credit Card and praying for a Lottery win. Parliament can't fix it, Whitehall won't. So, sooner or later, we're going to go bust. All most of us can do, at this stage, is hope and pray we can weather the catastrophe somehow, and make sure that the government can, in the end, be remodelled, its powers to give away what isn't theirs in the first place restricted and at least some of the best of our society and culture salvaged.
It isn't a good picture, and the troubling part is that it is very likely that those who caused it all will be the ones who survive with wealth and power intact.
Old Governor's Mansion in Prescott, Arizona
1 hour ago


text: USA Today reports on new research that reveals the extent of the foreclosure crisis. The current pace of foreclosure sales in half the states is so slow that it will take more than eight years in most places to clear the backlog. According to LPS Applied Analytics, it could take states like New York and New Jersey at least 50 years at their current pace to clear the pipelines. Nationwide, there are 2.1 million homes in foreclosure or with seriously delinquent mortgages. The crippling backlog illustrates the continuing impact of the nation's worst housing-market collapse, which "is likely to weigh on real estate prices in many markets for years to come."

subset: commoncrawl


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Roland Stoever
Stoever Glass & Co., Inc.
E: firstname.lastname@example.com
The Markets (as of market close December 2, 2016)
Robust gains that marked the last few weeks turned to modest declines last week. Gains in energy shares following OPEC's announcement to cap production weren't enough to totally offset a regression in small-cap and technology stocks. Both the Russell 2000 and the Nasdaq dropped over 2.0%, while the Dow maintained its value, but little more.
Please click on the PDF below to read the full article.


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Shop our Pawz selection inside Sunkissed Boutique & help save animals across the country! Count to 7, in that time a helpless animal was just put down in the United States. Each year 3.7 million homeless animals are euthanized simply because shelters do not have the resources to provide for them. Pawz™ was created to raise money for saving these animals. The company is a proud supporter of Humanesociety.org They are featuring the StarkHumane.org shelter to donate 10% of net profits to.


text: CLEARWATER � All lanes of the Courtney Campbell Causeway heading into Tampa have been reopened following a chemical spill. Chlorine began leaking on the roadway from a vehicle on Thursday morning, requiring a hazmat team to clean up, officials said. There were no reported injuries.Traffic was also backed up along the Howard Frankland Bridge due to a crash in the center lane, according to reports. There was slow moving traffic along Gandy Boulevard due to construction. The chemical is believed to be a 10 percent chlorine substance, which is not as volatile as pure chlorine. At least 150 gallons were leaked, but not all of it made its way to the roadway, said Rob Shaw, a spokesman for the Clearwater Police Department. At this time there is no concern that the chemical entered the Tampa Bay. Fire and rescue personnel from Hillsborough and Pinellas counties were on scene. Westbound traffic was slow due to diverted eastbound traffic. "It is a giant traffic mess. We are urging people to use any other route to get to Tampa," Shaw said, before the Courtney Campbell was reopened. Hazmat crews from many agencies are on scene to contain the leak. About 150 gallons has been spilled so far. Much of it is being collected now before it hits the ground. pic.twitter.com/AcQs6n3XV8— @myclearwaterPD (@myclearwaterPD) June 14, 2018


text: From Mabel's owner: My Mabel gave me 11 great years! It was a hard decision, but Animal Hospital of North Asheville was amazing and helped me feel like I was making the right decision. I really felt at peace with my decision and know that Mabel is having a grand old time in doggy heaven. She was such a sweet girl. We miss her every day. (1999-2010)


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POLICE are appealing for the public's help to trace a missing pensioner.
Malcolm Ellison, 73, was last seen at his home address on Atherton Road, Hindley, on Sunday January 31.
He is described as white, around 5ft 5in tall, with a slim build.
He was last seen wearing a grey bob hat, a black waist-length jacket, dark blue jeans and white trainers.
Anyone with information on Malcolm's whereabouts is asked to call police on 101 quoting incident number 010216/1158 or the independent charity Crimestoppers, anonymously, on 0800 555 111.


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Browsing Recipes similiar to African Vegetable Soup With Coconut Recipe.
African Vegetable Soup With Coconut Milk and Pumpkin
Sounds Tasty, doesn't it?
coconut, ginger, marjoram, onions, sweet potato, vegetable oil, vegetable broth, +cinnamon, +chili pepper, +pumpkin puree, +salt, +almonds, +spring onion, +turnip, +sugar
Spicy Spinach Sweet Potato And Coconut Soup Recipe
Wonderful vibrant soup. Very easy to make. I always have to go back for seconds! ;) Prep:10m
sweet potato, onions, vegetable broth, vegetable oil, ginger, +coriander, +mushroom, +garlic, +lime, +chili powder, +coconut milk, +spinach
Sweet Potato and Sesame Soup with Coconut Pesto Recipe
chilli, coconut, ginger, sweet potato, +coconut milk, +coriander, +cumin, +garlic, +lemon juice, +olive oil, +sugar, +red onions, +sesame seed, +sherry, +soy sauce, +tomato paste, +margarine, +water
www.cdkitchen.com - Similiar recipes
Sweet potato and sesame soup with coconut pesto
ginger, sweet potato, chilli, coconut, vegetable oil, +red onions, +garlic, +olive oil, +butter, +sherry, +sugar, +water, +carrot, +fish sauce, +tomato paste, +sesame seed, +coconut milk, +coriander, +cumin, +lemon juice, +pesto, +soy sauce, +pine nuts, +sunflower oil
www.bbc.co.uk - Similiar recipes
Butternut Pumpkin Soup With Ginger and Coconut
Pumpkin soup is an Australian favourite, but I sometimes find it a bit bland. This recipe adds a little something extra, without overpowering the pumpkin...
ginger, vegetable oil, onions, vegetable broth, +pumpkin puree, +coconut milk, +garlic, +lemon juice, +sugar, +tomato paste
Butternut Squash Soup With Coconut Milk Recipe
here is a wonderful creamy soup - a generous amout of ginger makes this soup also quite refreshing. if you cant find butternut squash, simply use carrots,...
ginger, onions, vegetable broth, +yellow squash, +coconut milk, +pumpkin seeds, +black pepper
West African Peanut Soup
A Moosewood recipe. I haven't tried it, but this is supposed to be rich and spicy. Don't skip the chopped scallions or chives!
ginger, onions, vegetable oil, sweet potato, vegetable broth, +carrot, +cayenne, +green onion, +peanut butter, +sugar, +tomato juice
Spicy African Peanut Soup With Chickpeas
After searching on zaar for a similar soup with no success, I found this gem on the cook's recipes website. I can't wait to make a batch for the cold autumn...
onions, sweet potato, vegetable broth, vegetable oil, +peanut butter, +chickpeas, +garlic, +cumin, +thyme, +rice, +peanuts, +salsa, +zucchini
Peanut Soup with Rice and Scallions
Instead of white cubes of tofu bobbing in this African-style soup, where they \r\nlook decidedly odd, I pur\u00E9e the tofu with a portion of the finished...
ginger, onions, vegetable oil, sweet potato, vegetable broth, +bell pepper, +tofu, +red pepper flakes, +garlic, +peanut butter, +rice, +black pepper, +salad greens, +tomato
www.epicurious.com - Similiar recipes
Lentil Soup With Barley Recipe
This lentil soup is the perfect meal on a cold day. It is warm and flavorful and filled with tasty, fresh vegetables. Top it with yogurt and fresh parsley...
vegetable broth, onions, vegetable oil, marjoram, +parsley, +barley, +green lentils, +yogurt, +water, +carrot, +celery, +garlic, +salt, +thyme, +black pepper
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First Mr. Sun nails a key narrative, and now Jasbir Singh hits the moral center of truth and reconciliation:
As individuals, as parents, as children, as representatives of organizations, as civic entities, as a society, and even as a nation, we get moments of spiritual ascension, which allow us to rise above the cause-effect, animalistic urges and motivations. These moments give us a glimpse onto a larger plateau beyond the mere incantation of religious doctrine or selective scriptural interpretations.
The task is to enrich ourselves, and those around us, with the significant choices at these moments, rather than devolving into denial or deferral.
While I have no references for the negative consequences of the 1979 debacle in Greensboro, I submit that our response to it now, allows us to create a significantly positive example for individual and civic flight of ethics and humility. Rather than any emphasis on countering any nasty whispers about our community, this moment lets us post Greensboro, for our own internal voices, our children and the nation at large, as a positive example of doing it right. The "it" happens at many places, and such incidents will continue to confront our moral and ethical choices at many a venue.
Rather than quietly avoid any reference to historical Greensboro or try to do a Chinese filter of such past incidents, this present moment and our civic and group responses allows for Greensboro to be presented as a gorgeous example within the vernacular.
I am proud of the conscious efforts that permeate within our armed forces where incidents, which can easily be rationalized within the extremities of war, are confronted (and processed) for self-cleansing and for maintaining the virtues and ethics of the warriors.
I do hope that we, in the Greensboro area, will tether ourselves to such a creed.


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This entry was posted on Thursday, March 15th, 2018 at 1:05 am and is filed under Anecdotal, Pet Care. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.
My daughter's dog is 18 years old which is pretty old for a dog and she has arthritis so bad that sometimes she can't walk at all. My daughter asked me what essential oils I have for my "grand-dog" so that the next time she can't walk or go up and down the stairs she can treat her without having to force pet medicine down her throat. She's a little Shih-poo and this is not the only ailment she has but let's talk about the arthritis treatment today.
Just like with people, arthritis is painful for dogs and you must be careful when you are handling them but dogs do love to be massaged. If your pet has arthritis, they will love your touch as you massage them and the essential oils will be a beneficial treatment. The arthritis dog treatment I suggested to my daughter is 4 drops of rosemary, 2 drops of lavender, and 3 drops of ginger diluted in 2 tablespoons of a carrier oil like sweet almond oil or grapeseed oil.
Try to get the massage oil mixture onto the painful joints working it through the coat and into the skin. Start at your pet's back and massage the muscles in rhythmic movements working towards the haunches. Cover all of the legs and include the vertebrae. This may be a little messy but your pet will soon lick off most of the oil and enough will penetrate the skin to be effective. Also, what they ingest will help their digestive system. An added bonus to this treatment is that fleas do not like lavender!


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Photo © Chance Agrella
As promised, today I am posting part two of the Rowdy Chicks series.
Today I am going to share something another Rowdy Chick started. She shared her words, and allowed me to use her inspiration to create my own words and story. From Kendra - a Rowdy Chick whom I adore, admire, and respect; to me; to you.
Exotic Pets
*Remember while you read this that exotic pets are more than beautiful birds and magnificent cats. Iguanas and 'gators are considered exotic pets as well.
It always starts out innocently enough, a guy is attracted to me either in real life or on his computer screen and he initiates contact. We talk and he finds that I am not like the other women he has dated, and my own life experience is beyond his own. He always seems a bit fascinated and shocked all at the same time; and it seems to arouse curiosity and a need for more.
It's a lot like the exotic pet trade in the US. These animals are coveted by many who don't really understand the animal but who want something unique, something that is a bit of a challenge to keep, and something that is unlike anything that their friends and neighbors posses.
But since they don't know a lot about the pets, the pets and the owner rarely find joy, and there are a lot of exotic pets that are given up because the owner just found them too hard to keep.
I could BE one of these animals. My life is not run by religious or societal constraints or cultural norms, but by my own definition of what is true and right. These beliefs may or may not match popular opinion.
Though I tend to be conservative in my beliefs and standards, even to a man who has played it safe all his life, I am seen as something unique and different. This isn't my ego speaking - men tell me this themselves.
But like the lay person with the exotic pet, they wish to bring me into their environment and force me into adapting to it. They don't understand that I, like the wild animal, don't acclimate well to the change, and cannot be anyone other than who I am.
When I love, it is forever and I give all that I am and all that I have. That being said, I won't be caged or constrained . . . and it's quite possible that I can't be tamed. It is not in my nature nor is it my choice to be other than who I am.
The thought has occurred to me that perhaps I should add a disclaimer to my life that only those who have experience with exotic pets need apply.
Sunday, June 22, 2008
Free-Spirited Rowdy Chicks Need Lovin' Too – Part 2
Posted by ~*~Dani~*~ at 5:30 PM
Labels: exotic pets, hard to hold, rowdy chicks


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Mighty Morphin Midlands Rangers
King Jerric Vorense
King of the entire Midlands, he is the true born heir and is a descendant of the First Queen. He rules from the capitol city of Emoranth. He is one of the few that could sense the plague spreading throughout the Midlands and sent his most trusted retainers, who could also sense the plague, to find the source and destroy it.


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These retail for $19 each. Which one is your favorite?
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It'll Never Be Me
The Times – Why can't we have high-speed trains? By Matthew Parris
The speed indicator at the end of the cabin reads 301 km/h, though I feel no rush as I recline my seat. Outside, one of those glorious, blank, luminous midsummer twilight skies seems so fixed, so tranquil, that we could be motionless. But the high plains of central Spain are slipping by at nearly 190mph beneath us.
Three feet beneath us. You don't need to leave the ground now to fly. This is the train from Madrid to Barcelona. We slid out of Madrid at 9 and we shall be in Barcelona just after 11.30, a journey of more than 300 miles, which the new AVE high-speed rail service will cover even faster when all is complete. Delay and controversy have attended the construction of this, one of the world's fastest long-distance railways, but since spring of this year it has been working as its planners dreamt. The last time I travelled this line was on an overnight sleeper between the two cities.
Oh come on, fellow Britons: if Spain can do it, why can't we? Look at the shape of our island, the distribution of population and the transport bottlenecks. Why are people trekking out to crowded airports to fly between points hardly 100 miles apart? Isn't it just obvious that Great Britain needs a high-speed rail track running up its spine, from London to Scotland?
ninme bursts into tears
PJM – Why Trains Just Don't Work in America, by Charlie Martin
As usual, what's thwarting my dreams of elegant dinners in the first-class dining car with Myrna Loy is arithmetic. Well, that and the fact that Myrna Loy died in 1993. Let's just compare passenger trains and airplanes on three trips I'm likely to take for business in the next few months: Denver to Los Angeles, Denver to New York City, and Denver to Washington, DC.
[there's a table here i'm never going to get laid out right in this space]
The table tells the tale, I think. The train is from one and a half to five times as expensive, and takes four and a half to five times as long, turning a four-day trip into seven or eight days.
I can imagine taking the train to New York on vacation, because I am a train nut and the trip would be fun in itself. But let's think about this as a business trip: taking the train would not only cost about 1.5 times as much — or four times as much with a compartment, and I'm just sure I'd be all set to go right to work in New York after two full days in a coach seat — but it consumes four working days in travel time. I can manage a one-day business trip by plane, but a one-day trip to New York by train is a five-day trip. Subsidies won't help: counting in the lost time, Amtrak would have to pay me $4,000 to make up for the time difference. The travel time difference is so large that Amtrak couldn't compete if train tickets were free.
and howls in despair.


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At first glance, reverse mortgages -- loans that enable older homeowners to withdraw money from the principal they've paid off on their home -- seem like the perfect financial solution for many older adults who are in need of money. They get cash for daily living expenses or home improvement projects, they have no more monthly mortgage payments, and best of all they can live in their own home for the rest of their life. What could be better?
But it doesn't always work out that way. Reverse mortgages are an attractive option for many people -- but not for everyone. There can be hidden fees and costs, shady loan providers, and unforeseen consequences down the road.
Here's the basic rundown on reverse mortgages to help you decide whether they're the right choice for your family.
How is a reverse mortgage different from a regular home loan?
Nearly everyone with a home mortgage is familiar with the concept of a home equity loan: the lender loans a lump sum or gives access to a line of credit with the home as collateral. As homeowners make monthly payments, they build up equity in the home, eventually owning the property outright.
As its name suggests, a reverse mortgage turns the concept of the traditional home equity loan on its head. Under a reverse mortgage, the homeowners convert the equity they've built up over time into cash, in the form of either a lump sum, a monthly payment to the owner, or a line of credit. Unlike a traditional home loan, a reverse mortgage has no monthly payments -- no repayment is required until the owners sell the home or are no longer using it as a principal residence. The lender recovers the principal plus interest (interest rates are tied to U.S. Treasury bond rates, and over the life of the loan they can range from 2 percent to 10 percent, depending on which type of reverse mortgage they choose). When the home is sold, the remaining equity in it goes to the homeowners or their heirs.
What kinds of reverse mortgages are there?
Basically there are three types: federally insured loans that follow rules set up by the U.S. Department of Housing and Urban Development (HUD), privately insured loans from nongovernment lenders, and uninsured private loans.
Federally insured loans are subject to stricter requirements and tend to have lower lending limits than private reverse mortgages, but they offer the security of government backing. Privately backed reverse mortgages may offer more options -- for example, allowing homeowners to mortgage less than the full value of their house, which government-backed loans typically require -- but they may involve higher costs than government-insured loans.
Uninsured loans usually provide monthly payments for a fixed term. Unlike insured reverse mortgages, which are due only if the homeowners sell their house or in other strictly qualified circumstances, uninsured reverse mortgages are usually due in full at the end of the term.
Who qualifies?
When applying for a traditional mortgage, you have to demonstrate sufficient income and assets -- as well as overall creditworthiness -- to qualify for a loan. Because a reverse mortgage pays out based on the equity homeonwers have already built up in their home, they don't have to worry about monthly income or total assets (other than the residence in question).
To qualify for a reverse mortgage applicants must be over 62 years old and must have paid off all or most of their mortgage (the reverse mortgage will pay off whatever is left of their original mort gage before qualified applicants receive any money, so if they have a large balance on that mortgage, a reverse mortgage won't work for them). They must also meet with a HUD-approved counseling agency before signing up. Their home can be any single-family residence, including a condominium or mobile home, as long as it's their principal residence.
How much money can they get?
The size of the loan is generally determined by a combination of factors including the homeow ners' age, the available interest rate, and the value of their home. As a rule of thumb, the older they are, the larger a percentage of the home's value they can borrow. One important restriction for government-insured loans: A reverse mortgage amount is capped by the maximum Federal Housing Administration (FHA) mortgage limit for the area, which maxes out at $160,950. So homeowners in more expensive areas can't borrow as high a percentage of their total home equity as owners in less expensive areas.
How does the money from a reverse mortgage get repaid?
The lender must be repaid when the borrower passes away sells the home, fails to live in the house for 12 consecutive months (this includes time spent in a nursing home), fails to pay property taxes or insurance, or lets the property fall into disrepair beyond normal wear and tear.
When the loan is due -- generally when the last surviving borro wer moves out of the house, sells the house, or dies -- the mortgage principal, interest charges, and closing costs are repaid from the proceeds of the house sale (or from estate assets, if the house isn't sold).
What are the benefits of a reverse mortgage?
Reverse mortgages can be a good financial solution for people over 62 who've paid off their mortgages or have significant home equity and want to spend the rest of their lives in their home. Reverse mortgages can provide tax-free income that shouldn't affect borrowers' Medicare or Social Security benefits (check with a tax advisor, though, because this can vary).
They can use the payments for day-to-day living expenses, healthcare costs, emergency funds or anything else they choose.
Reverse Mortgage Risks
It's important to watch out for unscrupulous brokers who charge unnecessary counseling fees (reverse mortgage counseling is free through HUD) or exorbitant closing costs. As with any loan, reverse mortgage contracts can be confusing and may include hidden costs -- so read the fine print.
Another pitfall to keep in mind: Because Medicaid is based on income level, Medicaid recipients also need to make sure the additional income th ey receive from the reverse mortgage doesn't disqualify them for those government benefits.
How does a reverse mortgage affect government benefits and overall financial planning?
Because reverse mortgages are considered loan advances and not income, the IRS doesn't consider them taxable income, so reverse mortgage payments shouldn't affect recipients' Social Security or Medicare benefits.
Recipients' home equity -- and the amount of home equity they can pass to their heirs -- is reduced by the amount of the reverse mortgage. Their estate will get whatever equity is left over. Their children or other heirs aren't required to sell the house to pay off the reverse mortgage -- they can also pay back the loan with a traditional mortgage.
If your parents or other famil y members have set up a living trust as part of their estate planning and that trust includes their home, they can generally still qualify for a reverse mortgage, but they should consult with their estate planning advisor.
Can my family members lose their home?
Even if your parents or other family members sign up for a reverse mortgage, they -- not the lender -- retain the title to their home, so it shouldn't be at risk. The government insures HUD reverse mortgages, so if they eventually sell the house for less than the amount of the reverse mortgage, the government, not your family, will pay the difference. They still own their home, and the government guarantees that they can't be forced to sell or move.
What fine print should they pay attention to?
With government-guaranteed reverse mortgages, HUD collects an insurance premium -- 2 percent of the home's value -- up front from all borrowers to provide this coverage, so applicants should factor those costs into the total balance of the loan. In addition to the insurance fee, most reverse mortgages have an application fee, an origination fee, closing costs, and monthly service charges. These charges will be added to the amount of the total loan, which makes the reverse mortgage a relati vely cheap up-front loan, but does add to the total repayment costs. Loan recipients will still have to pay property taxes and buy homeowners' insurance.
If they have a second mortgage or home equity line of credit, they can still qualify for a reverse mortgage. But any cash they receive from the reverse mortgage ill first pay off the existing mortgages or loans.
Another tax fact to bear in mind: nterest on reverse mortgages is not deductible on income tax returns until the loan is entirely paid off.
What's the process for signing up for a reverse mortgage?
To receive free information and counseling, call HUD toll-free at 800-569-4287. You can find a , which will give you an idea of how much you can receive.


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Please, let me know via email when the new review on this product is available.
We spent a long time studying reviews and features of countless toys before selecting this; it hasn't disappointed. This never fails to bring my wife to a quick and powerful orgasm. It's still one of our favorites even though we've owned it for nearly two years. If it is not such a battery guzzler, I will give it five stars. I strongly recommend the manufacturer to redesign this into a rechargeable toy with a long battery life. But, even so, go invest in some batteries and have fun!
For what I paid for this toy, is has been a complete performance failure. I was hoping to have a new, exceptional toy to add to my quiver of vibrators, but this guy ended up getting used twice and put back in the box. Keep in mind that if you're already used to a vibrator with similar dimensions that this may be perfect for you! Sadly it just wasn't rockin' enough for me.
This fabulous toy completely transformed my ideas about rabbit vibrators. With its silky silicone texture, its body-friendly length and design, and the multiple possible combinations of vibration and rotation, it would make a great addition to anyone's toy collection. It has quickly become one of my favorite solo toys.
With its luxurious silicone, rotating head and vibrating nub, the Ecstasy has the promise of being a well-made quality toy. It's strong, comfortable to hold and easy to use. It's a little on the loud side, but that's what I've come to expect from a powerhouse like this one. Unfortunately, the head's spinning doesn't do all that much for my g-spot and thrusting left me frustrated.
Overall, I enjoyed the Ecstasy until I experienced trouble with it staying on. It is pretty strong but quite. The texture and material is nice, and the different functions are great. I am happy to find a decent looking rabbit vibrator for a good price.
This amazing rabbit vibe is the perfect addition to anyone's collection. It's pink, it's powerful, and it has tons of options ranging from vibrations to rotations so that every time you use it, you can try something different. So if you want to enter into a world of ecstasy and create your own fantasy, this is definitely the toy for you!


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Inspect the Area Before Parking Your smart CarClarissa February 22, 2012
Most people who buy smart cars are those who like covenience. With a car this size, you can park it easily. However, you should not be careless in parking your car, lest you want your smart to experience what this fortwo had gone through.
The smart fortwo Brabus edition was parked over a motorized bollard, and because of its weight and size, it was lifted without any problems. Well, the owner of the vehicle is the one who seems to have a problem.


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Siemens and Zolo Technologies expand joint activities into a strategic global cooperation
Posted on: Wednesday, February 5th, 2014
Siemens Energy and the US-based company Zolo Technologies have expanded their previous collaboration to a worldwide license agreement for fossil-fueled steam generation boiler applications. Under the terms of the agreement, Siemens and Zolo will more closely integrate their combustion optimization products and actively extend their market activities beyond Europe into the USA, China and other fossil markets in Asia.
Zolo Technologies is based in Boulder, Colorado, and has developed ZoloBOSSTM, a unique laser-based combustion monitoring system that Siemens has integrated into its SPPA-P3000 Process Optimization solution for fossil-fueled steam generating power plants. ZoloBOSS uses sophisticated laser technology to simultaneously measure multiple combustion constituents directly in the combustion zone of a boiler.
The full integration of the ZoloBOSS monitoring system and SPPA-P3000 provides fossil-fueled power plants with information and furnace control previously unattainable. This unique solution is only offered through Siemens. It is the only combustion optimizer solution that utilizes real-time, in-furnace combustion information to automatically balance and optimize combustion. As a result, it can significantly improve combustion efficiency, reduce NOx and CO2 emissions and improve availability and thermal performance. The combined Zolo and Siemens solution has proven its outstanding capabilities to improve the power generation process in various coal-fired power plants in Europe, USA and China.
Optimizing the combustion process in a power plant is very challenging with variability in fuel quality and loads. SPPA-P3000 is a software-oriented approach by Siemens and can be implemented during minor outages and without costly capital
modifications to the plant, i.e. without major conversions to the steam generator and turbine. Plant operators worldwide are utilizing the strong capabilities of SPPA-P3000 to optimize their power plant process towards changing market situations or requirements.
"We are happy to extend our successful collaboration with Zolo Technologies. By combining both Siemens and Zolo Technologies our customers will benefit from improved efficiency, reduced emissions and higher availability as well as from a huge savings potential for their power plants," said Dieter Fluck, Vice President Product Management Instrumentation & Electrical at Siemens Energy.
"Siemens has a strong global presence in the power market. We are excited to expand our collaboration with Siemens into new geographic markets and expect this new agreement will accelerate the penetration of the SPPA-P3000 and ZoloBOSS solution into the marketplace", said Reed Sarver, CEO of Zolo Technologies.
For a complete copy of the release click here Siemens Zolo License Press Release 020514.


text: Recently I have run into a problem where I don't receive text messages for an hour or so after they were sent, they usually come in waves so I will get 5+ at a time. I also haven't been getting picture messages but I can send them. I rooted the phone and then accidentally updated it. Root still works and everything else is fine. I'm also using Handcent because I like it better than the default app. I have since "deleted" the default app. Any ideas what could be causing the problem? I'm on AT&T's network, have an unlimited data and messaging plan, also I'm in a college town with pretty good reception so I don't think that's the problem. Any advice would be greatly appreciated. Thanks!


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Lifetime transfers: potentially exempt transfers (PETs)
The transferee is accountable, IHTA84/S216 (1)(bb). This is because the person who receives the gift is liable for any tax on a PET that proves to be a chargeable transfer. In strictness, the transferee is required to specify all appropriate property (IHTM10802) received and the value of that property. The account to be used is the IHT 100. The time limit for delivering the account is 12 months from the end of the month in which the transferor's death occurred, IHTA84/S216 (6)(aa).
For deaths on or after 9 March 1999, the deceased's personal representatives must also include any gifts made by the deceased within 7 years of death in theIHT 400, FA99/S105 (1). This means that in most cases you will already have information about PETs made by the deceased and in practice you will only need to ask a transferee for an IHT 100 in exceptional circumstances (IHTM10503).
Different rules (IHTM10831) apply if the transfer resulted from the termination of a qualifying interest in possession.


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Virtual University of Pakistan is a Public Sector University that was established in 2002 with its Head Office at Lahore. It is the first University in Pakistan equipped with modern technology as the only basis of its entire educational framework, that is to say that there are no campuses that hold classes (with students and teachers in a classroom); rather the whole studying procedure is technology dependent. The quality of education is none less than World-Class at the University. One might think that how could the learning quality be world-class without a proper student-teacher interaction (that is practiced in most of the top quality education imparting institutions world-wide), but would soon agree that the inventions of computer and internet leave no shortfalls when properly managed to develop an infrastructure like that of the Virtual University of Pakistan.
The Infrastructure of VU
As already said the Head Office of the university is at Lahore (Defence Road). The campuses of the university are widespread within the country wherein there is a complete infrastructure to facilitate the study methodology adopted at the VU. There are Wi-Fi equipped Computer Labs where the students can view the lectures as well as access the internet and their LMS too (which is available at http://vulms.vu.edu.pk/). The campuses of VU are Public (which are owned by the university itself) and Private as anybody having the required standard infrastructure can apply for a "VU Campus". Each student admitted at the university is allotted a VU campus where he/she has to attend the mid-term and final-term exams of each semester.
The Studying Methodology at VU
Virtual University has a database that manages the overall study progress of the students. This database is called "Learning Management System" or "LMS". Each student has a profile called "Student ID" at the LMS which he can Login to 24/7. The University has world-class recorded video lectures that were delivered by the top-most acknowledged experts of the Pakistani Institutions in their respective fields specifically for the Virtual University in its Studios. The lectures are aided with slides, movie clips and other material which make them pretty useful for learning and grasping the concepts. Theses lecturers were not permanently hired by the university for teaching purposes, rather their services were only utilized at the stage of developing video lectures or as and when need arises to update/modify the lectures.
There is a permanent academic faculty at the university only hired for limited purposes such as making and evaluating assignments, quizzes, discussions and examination papers. The availability of these instructors addresses the shortfall of the "direct student-teacher interaction" and hence the absence of a class-room environment is dealt away. Recently, the university also started "Face 2 Face" student-teacher interaction via Team-viewer and Skype. The schedule for these interactive sessions is announced in advance on the student LMS in the announcements section.
Virtual university lectures are aired via the VU TV channels and the Virtual University Radio station. To know more about the lectures aired via these TV channels and the VU Radio station, please click here.
Degree programs offered by the Virtual University
The university offers various degree programs in the fields of psychology, mass communication, computer sciences, business administration, information technology, accounting & finance, banking & finance, management, marketing, commerce and public administration etc. These programs are offered at the levels of MS, Masters, BS, Bachelors, diploma and specialization courses. To learn more about the programs offered by the university, click here.
Weightage of Assignments and Quizzes in Final Exam Marks
The university follows semester system during each of which midterm and final term exams are held. The assignments, quizzes and graded discussion boards collectively have a 15% weightage; while the midterm exam has 35% and the final term exam has 50% weightage in the cumulative marks of each semester. Therefore it is ensured that the students actively participate in the study progress according to the schedule as those who are not active gain no marks in the assignments etc. and thus attain low grades in the Final Exams.
Why should you prefer to study at VU?
Some of the reasons may be quite obvious to you! But all the reasons that would make you prefer studying at the VU are:
- First of all it is a Public Sector University chartered by the Federal Government and recognized by the HEC, so there should be no doubts in the minds of the prospective students about the authenticity of the degree they want to pursue. The standard of education is world-class and the degrees of VU are also recognized worldwide.
- There is no "Admission Test" held by the VU nor GAT is the requirement for seeking admission at the university (except for taking admission in MS CS). Almost all the candidates applying for admission are admitted, and in certain cases where the subjects studied in the pre-requisite qualification are not in accordance with the program where admission is sought; the student is required to undergo a "Zero Semester" which is not counted towards the study duration of the program admitted in. In the "Zero Semester" the student has to study those subjects which are "pre-requisite" to study the desired program.
- The students are allotted a VU campus where they should appear only in the examinations of each semester. Otherwise attending the university is not mandatory, the students can study at home and only must come to the university to appear in exams. For students appearing from foreign, examination centers are allocated in certain countries / locations. The examination system of the university is totally computerized, thus there is no role of handwriting ever in the university from admission till attaining the degree (except marking your attendance on paper).
- Moreover the Fee Structure of the University is the simplest compared to other universities at the par. Also to mention here that all the Bachelors programs have a per credit hour fee of PKR 500 whereas the fee for all the Masters Programs is PKR 750 except the MS(CS) program for which per credit hour fee is PKR 2500. But the fee structure for foreign students is different. It is $25 per credit hour for the Bachelor Programs and $35 per credit hour for the Masters Programs if one is studying and appearing in university exams from outside Pakistan.
- Usually there are 6 subjects (18 credit hours) per semester, and now in each semester the students have the option to select the number of subjects they want to enroll and study, including the first semester (which was not available in the past). There is a minimum limit of 9 credit hours per semester and maximum of 21 credit hours per semester. This is useful for the job-oriented students who want to reduce their burden of study and at the same time for those too who have plenty of spare time to study more subjects. But keep in mind that continuous use of the minimum limit of credit hours per semester would result in a loss as there is a separate fee structure for the students who have completed the minimum duration of their study program but are yet not finished with all their subjects.
- Despite the Scheduled Study Program, there is no compulsion to attend the lectures at any particular time of the day. There is no check even if you do not absolutely attend any lecture; it is only your loss that is reflected in terms of lower grades in Final Exams if you do not score well in the assignments, quizzes and GDBs during the progress of study. Therefore people with busy schedules like those on the Job are on one hand free to attend the lectures at any time (if they adhere to the schedule) and on the other hand themselves suffer the loss if they misuse this relaxation.
- Another reason to prefer the VU is that the schedule to attend the exam is prepared by the students themselves. The University only announces exam beginning and ending dates, and all the students have to make their "Date Sheet" online within allotted time (otherwise it is automatically scheduled); thus it is the students decision which facilitates them to make good preparation of the subject they are weak in. The students are free to select both the date and time of examination according to their own convenience.
- The admissions are not restricted by location, anybody from any part of the world can take admission in the VU. Applying for admissions is also an easy procedure at the VU, it is online and the fee can be paid in the form of Demand Draft in the Favour of Virtualy University of Pakistan, Head Office, Raiwind Road, Lahore at designated bank branches of HBL / Bank Alfalah. Foreign students are also examined at selected examination centers in the foreign countries.


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Megart Systems Inc. specializes in depositing equipment for a wide variety of products, throughput capacity and standard or unique applications.
Choose from single or multi-piston depositors, lobe and diaphragm pump style depositors and rotary mandrel style depositors.
Robust, heavy duty, production depositors with precise, targeted depositing, with optional diving heads for depositing into cavities.
Throughput rates up to 90 cycles per minute, depending on deposit volumes and product viscosity.
For the busy retail baker or small wholesale application.
For high production and high throughput applications. Available from 2 to 16 piston configurations. Standard single bank configuration, or double bank style for depositing different batters into the same pan.
Eliminate the requirement for a bowl hoist or separate transfer pump with the Combo unit.
Custom mandrels and dies, swirling, patterns, heated hoppers, spot depositors, diving heads, multiple deposits with different batters into the same pan – all these designs are available.
For unique and challenging applications, let Megart Systems work with you to custom design a depositor for your specific product and production requirements.
See images below videos
Single-piston depositor with a wide nozzle, designed to apply sauces, batters, toppers or fillings onto product passing along a conveyor belt in a timed and targeted deposit.
Custom Multi-piston depositor with a dedicated conveyor equipped with a sensor system to sort, align, elevate and spin the target product, at which time the topping is deposited onto the top of the product in a ring pattern.
Diving head spot depositor - to apply betters, fillings, or toppings into cavity pans, or onto product passing beneath on a conveyor. Accurate targeting and precise depositing results.
Multi-piston depositor, configured with a split hopper and 2 sets of product pistons to provide opportunities for depositing multiple flavours in a variety of patterns into the same baking tray or pans.
Megart Systems Inc. offers several different types of Transfer Pumps to move product from a mixing bowl or other container such as a trough, barrel, or tote into your depositor hopper to ensure efficient and continuous operation of your production lines. Fast, clean, safe, and easy to use. Eliminate the need for hand transfer by buckets or scoops. No slipping, no step stools or ladders, no mess!
Fast, easy to use, and economical. The hinge in the middle allows the operator to swing the pump head up, roll the mixing bowl into position, and lower the pump head down into the bowl. The piston style pump will quickly move your flowable batters fillings, or toppings from the bowl into the depositor hopper. The oversize piston and customized valve system will handle inclusions such as nuts, flavour chips, fruit pieces, and is very gentle on soft inclusions such as berries. This system is designed for use with 60, 80, or 140 qt. mixing bowls, in retail or small wholesale bakeries.
The Standard Transfer pump uses a pneumatic lift to raise the suction tube of the pump up and out of the way to allow easiest positioning of the mixing bowl or container. The pump is then gently lowered into the batter, ready for pumping into a hopper or other elevated container. This piston style transfer pump can handle any flowable product at a rate of up to 60 liters per minute. The oversize piston and customized valve system will handle inclusions such as nuts, flavour chips, fruit pieces, and is very gentle on soft inclusions such as berries. Standard configuration includes a level sensor for automatic cycle activation and to maintain a consistent product level in the target hopper. This is a robust, durable machine, on casters for easy movement within the production facility, and suitable for 80, 140 or 340 quart mixing bowls, or barrels or totes.
This piece of equipment combines a transfer pump, with a single piston depositor, allowing bakers to pump batter out of their mixing bowls into a depositor hopper, and then to accurately scale into a baking pan. Both components are on the same base and frame and the transfer pump has all the features as our standard model TP-1. The product is pumped into the hopper of a single piston depositor mounted on the same frame. This unit deposits quickly, easily, and accurately deposits into, or onto, baking trays, pans, or product. Each component can be used separately or in combination The Combo is on a mobile base and can be used over a work table, or existing conveyor belt, with manual activation, with an option for a sensor switch for automatic activation. This machine is also available with a flexible hose and hand nozzle attachment with a trigger switch built in to the nozzle.
This Combination Transfer Pump and Single Piston Depositor Model CTD-1, is an ideal machine to deposit any flowable product such as batters, sauces, fillings, toppings, (even whipped creams!) etc. directly into baking pans, or onto product on a make-up line. The pump will handle most inclusions such as nut pieces, berries, fruit chunks, chocolate chips, etc.
The deposit volume is easily changeable, and the depositor is capable of a wide range of weights from 2 – 3 grams per cycle to several hundred grams per cycle. The transfer pump can be configured to pump out of 60, 80, or 140 quart mixing bowls, or even large 340 quart bowls, or 45 gallon drums, or other bins or containers. Our equipment is heavy duty, and quite robust, designed and built for years of trouble free operation in busy and demanding bakery environments.
Megart Systems will custom design a transfer pump to any specific or unique application. Piston style transfer pumps with custom outlets, or nozzles, or with special hoppers to meet your production challenges. Contact us to discuss your requirements.
See images below
Megart Systems Inc. offers a variety of depositors for icing and/or glazing your bakery product. Waterfall coatings, string icing patterns and roller style depositors can provide a variety of finishes on your baked product. As well, piston style depositors can be configured for targeted deposit of icings or glazes onto baked product in the baking trays, or onto product in clamshells or foils immediately before closing and sealing. Icing and glazing equipment can be supplied for stand alone applications, or for integration into existing production lines.
Waterfall and string icers are designed for your specific requirements, supplied with dedicated conveyors to the required width. Icing reservoirs can be water jacketed where precise temperature control of the icing or glaze is required. As well, agitators and scraper blades can be provided where necessary. String icing can be applied in straight lines, or with an oscillating head for a wavy pattern. Targeted deposits reduce waste and spillage.
For custom hand finished appearance, a roller style depositor paints the icing on top of the baked product as it passes along the integrated conveyor. Perfect for cinnamon or sticky buns for that unique and appealing finished appearance. Roller depositors can also be modified to supply a waterfall or string icing pattern as well.
Jacketed heated reservoirs and pumps keep the icing at the proper temperature for optimum results.
Decorate your special cakes with an icing pump configured with a flexible hose and hand nozzle with trigger switch. No more hand filling of piping bags, just fill up the easy access hopper, and squeeze the trigger. Add a motorized cake turntable for fast, easy and accurate depositing.
A piston style depositor can be configured for spot depositing on top of product in containers or cavity pans. For icings or glazes that have some flowability, target your spot deposits directly onto the baked product in or on the baking tray before packaging, or even directly onto the product after it has been placed into the clamshell of foil containers.
To handle the broad spectrum of icing types and consistencies, Megart icing hoppers are available with or without agitation, and bowl scrapers, and with water jacketed sides and variable temperature control.
Icing and Glazing Applicators deposit flowable product in either a waterfall style or string icing pattern onto product passing beneath on an open wire mesh conveyor to allow for capture and recycling of excess product.
Icing/Glaze applicator, operating in string icing mode
Oscillating String Icing Line provides either a wavy pattern or a straight line pattern for any flowable icing or glaze onto finished product passing beneath the wide deposit nozzle on the O-ring style conveyor, allowing for easy belt cleaning and capture and re-cycling of excessive product.
Custom roller icing depositor - This unique icing depositor offered a variety of icing patterns, the feature being the ability to roll icing onto the top of product passing beneath the large heated roller, providing a hand finished look on cinnamon rolls, or sticky buns. Also able to provide a string icing pattern, with or without oscillation, and a waterfall icing pattern.
Let Megart Systems design that custom piece of equipment or unique component that will provide a solution to a challenging or frustrating production operation. We design and fabricate custom depositors, conveyors, components or parts to customer spec., or we will work with our clients to create a unique piece of equipment suited to a particular application.
Megart Systems designs custom equipment for the baking, food service, candy & confectionary, and cosmetic industries, and wherever material handling benefits from semi or fully automated processes. We tackle challenging operations such as custom design of unique depositors for fillings, toppings, icings and glazes, as well as flavoured butter spreads and fillings, crepe batters, and more.
We supply custom strip and guillotine cutters and presses, vibratory depositors and candy tumblers, closing and sealing equipment, pan and board stacking and de-nesting.
We can retrofit bowl scrapers and agitators, air knives and dry topping depositors.
Contact us with your production challenge, and work with us to design the unique solution to improve your bottom line!
One sample of a custom depositor was this roller style depositor with a jacketed top hopper over the conveyor belt, designed to roll a layer of product onto the finished baked product passing below the rollers on the conveyor belt. This depositor featured special textured rollers for optimal transfer of the product, and the conveyor was supplied with a flip up end to allow for easy cleaning below the belt.
This dough chunker and transfer conveyor were designed and built to specific requirements to meet demands of a dough make-up line. Featuring a pneumatic chunker, hopper level sensor and indexing conveyor.
Designed for a hard candy production facility, this all stainless steel tumbler can be easily adapted to a variety of applications. Likewise, the vibratory candy chute could be modified for any application where a vibratory feature is required to separate products and pieces by size. Watch the video below to see this machine in operation.
The Automated Cake Packing Line video illustrates a custom system designed to place sliced slab cakes into cartons. High speed, clean, fast, and easy.
Vibratory Candy Chute
Megart Systems will work with your production team to create unique and specialized solutions for your production challenges, or for those bottlenecks on your production floor that require a new method or system to improve or optimize throughput and save time, and money.
This line was fully integrated with upstream dough production equipment to automatically place cut and stamped dough pieces onto baking trays advancing on the lower conveyor belt.
The spreader belt created the required separation between the ribbons of dough, downstream of the strip cutter.
The reciprocating conveyor changed the direction of travel by 90 degrees, and gently dropped the individual dough pieces onto the transfer conveyor below, in the proper pattern and orientation.
The pan conveyor carried baking pans from the pan de-nesting station, below the nose roller on the outfeed end of the transfer conveyor, where the dough pieces are gently rolled into position on the pan.
This system was designed to work with an existing cookie cutting machine to allow a single operator to keep the cookie cutter loaded with dough, with pans moving along the lower conveyor receiving the cookies from the top reciprocating conveyor. A PLC and touch screen control allowed the operator to choose one of 20 different patterns for placement of the cookies onto the pan.
This conveying system was designed for integration with upstream production equipment. Product transfers onto the infeeding end of the flat belt conveyor, which inclines up and over the right angle transfer point of the chain style pan conveyor, and descends to allow product to gently transfer off the flat belt conveyor and onto the baking trays travelling below. Synchronization by a small PLC with touchscreen interface. Conveyors all from stainless steel.
Cake slab packing system - This gantry style packing system, lifts sliced cake slabs from the boards and places them into the waiting cartons after which the cartons advance automatically, and exit the system. Fast, easy, clean, minimize labour, optimize results.
Board handling system with return conveyor - A custom system combining powered rollers and O-ring style cross belts to return boards to a start point through a 180 degree set of turns. Capable of high speeds, and handling different sizes of boards at the same time.
Board handling system - high speed - This board handling system was designed to accumulate flat boards, send them at high speed through existing process equipment, in a 180 degree configuration using a combination of powered rollers, O-ring style cross belts, and pneumatically operated elevating sections of conveyor to create the required right angle turns.
Automatic proofer board feeding system - Designed to work under an existing bread and roll line, the system pulls proofing boards out of a magazine,
Indexes the board into position under the make-up conveyor, and advances the board beneath the alignment chute at the outfeed end of the conveyor where the freshly moulded pieces are aligned into a pre-determined pattern on the board, Ready for racking and proofing!
Automated packing line - This custom packing line is a complete gantry style system, receiving filled and lidded containers from upstream equipment, sorts them into 2 lanes, stacks them 2 high, unfolds a boxboard sleeve & inserts both of the stacks of containers, accumulates 4 sleeves, picks the group of 4 and sets them in a corrugate carton, and sets a second grouping of 4 containers on top of the first set, before releasing the carton and sending it downstream.
Auto panning line - Fully integrated with upstream production equipment, this automated panning line for precut dough pieces features the following components; a spreading conveyor, an accelerating and accumulating conveyor. A reciprocating conveyor to place the dough pieces in the proper alignment and configuration on a conveyor passing at 90° below, a baking pan de-nester, and a conveyor to carry the baking trays to the transfer point where the dough pieces are set into place on the baking pans moving along the conveyor before exiting the system for racking and proofing.
Cookie panning system - Integrated with an existing cookie cutting machine, this system included a reciprocating conveyor, an indexing conveyor, and a PLC with 20 pre-set depositing patterns to place the cookies on the baking sheets.
Megart will custom design and build a variety of different components to handle your large batches of raw dough; hoists for mixing bowls, dough chunkers, and conveyors for scaled dough pieces or blocks, complete with sensors and systems to operate on an "as required" basis.
Dough Chunker - this dough chunker and transfer conveyor were designed and built to specific requirements to meet demands of a dough make-up line. Featuring a pneumatic guillotine style chunker, hopper level sensor and indexing conveyor, to feed dough into downstream sheeting or extruding equipment, at a rate compatible with that of the existing production equipment.
As well as fluid and flowable product depositors, Megart Systems offers a wide variety of depositors for dry ingredients and toppings, such as flour, cinnamon, seeds, nuts and nut pieces, fruit pieces and berries, chocolate and other flavour chips, coloured sprinkles and more. We can provide complete systems with dedicated conveyors and catch pans for recapture of excess product, or compact units to attach to or over existing conveyors. Rotary mandrel style, or with vibratory plates, waterfall or targeted pattern, with or without water spray for improved adhesion, let Megart design a seeder, duster, or depositor for your specific needs.
The addition of automatic packing or packaging equipment or complete automated packing lines offers substantial labour savings and expansion of throughput capacity. Megart designs and fabricates individual components or complete systems that include:
Square Tub De-nester - This unique and interesting application required a de-nester for square tubs, a magazine with the capacity for several minutes of continuous operation, and integration with downstream filling equipment.
Round Cookie Tray De-nester – A specialized de-nester for round cookie trays, with a dedicated conveyor to optimize throughput and simplify packing of baked product. Capable of very high throughput rates.
Custom Round Cookie Tray packing line - This custom lidding station for round cookie containers included a de-nester for the round lids, a chute to enable the container to catch the leading edge of the lids, and a lidding mechanism to press the lids into the bases. Custom designed and fabricated for a unique application.
Custom Packing Line - Featuring two pan conveyors with a right angle turning station, a corrugate base de-nester and conveyor,
and a stacker for the empty baking pans, this system was designed to minimize handling of pans and racks, allowing baking staff to quickly and easily transfer fresh baked product from the pans to the corrugate bases for downstream wrapping.
Clamshell Closing/Sealing station - This clamshell closing and sealing station working in conjunction with the clamshell de-nester provided a final step in the automatic packing line for cookies. The clamshell lids are gently folded over and onto the bases, after which the clamshells are carried into the sealing mechanism where the lids are pinched shut. Containers are now ready for turning and labeling.
Custom Tub Packing Line - This custom packing line is a complete gantry style system, receiving filled and lidded containers from upstream equipment, sorts them into 2 lanes, stacks them 2 high, unfolds a boxboard sleeve and inserts both of the stacks of containers, accumulates 4 sleeves, picks the group of 4 and sets them in a corrugate carton, and sets a second grouping of 4 containers on top of the first set, before releasing the carton and sending it downstream.
Clamshell Container De-nester - Custom Clamshell de-nesting station to drop clamshell containers onto the packing conveyor, over a packing conveyor
Megart Systems offers a variety of different oil/glaze/butter spray systems for a wide range of applications found in many wholesale bakeries. Spray directly onto product, or into/onto baking pans or trays, minimizing overspray, with or without atomizing nozzles for optimal control of airborne mist. We offer inline systems to work with existing conveyors, dedicated systems including conveyors with catch-pans for recapture of excess product, and mobile systems for portability within your production area.
Water spray systems are available for seeding and dry topping lines for dough production lines, and glaze toppings are also offered in a waterfall style application for complete top and bottom coating.
Spray System For Melted Butter or Other Oils/Glazes - This compact spray system for butter provides an effective coating, with automatic spray cycle activation, easy adjustment of the height of the spray nozzle, and variable speed of the pump for optimal control of the coating. This system included a heated reservoir with variable temperature control to keep the butter in a liquid state for best spray results. Easily attached to an existing conveyor, or supplied with a dedicated conveyor to the exact dimension required.
Megart Custom Mobile Oil Spray System - This versatile, mobile spray system, configured with dual spray nozzles, can be installed over an existing conveyor, capable of a wide range of applications.
Megart Systems can provide any style of pump and hopper configuration to handle almost any product and application. Pumps for filling containers, pumps for emptying containers, and pumps for moving product from one container to another. Diaphragm pumps, lobe pumps, piston pumps, electric and pneumatic operation, are all available depending on your requirement. Pumps can be controlled manually or automatically, with level sensors, or timers, and can be fully integrated with conveyors for handling of target containers.
Megart Systems supplies the highest quality conveyors and conveying systems for use in food production facilities as well as where any material handling is required. Available as stand alone systems, or for full integration with existing upstream or downstream equipment. Previous designs and installations include:
Spiral Cooling Conveyor - infeeding - In order to maximize production floor use, Megart Systems designed and installed a cooling conveyor on a mezzanine above the production floor. An incline conveyor carries the product from the main floor up to the mezzanine, where it transfers onto the infeeding low end of the spiral conveyor.
Spiral Cooling Conveyor – outfeeding - After the required dwell time is achieved, product transfers off the out-feeding high end of the spiral conveyor, onto a declining conveyor, descending from the mezzanine & returning to the main floor for final processing and handling.
Custom Scrap Collection Conveyor - This custom conveyor was fabricated to the customer exact requirements, running from one end of an existing production area to the other. Adjustable work stations were included allow staff to clean and portion product, with all scrap being captured by the conveyor positioned below the removable cutting boards. Scrap pieces were carried to the out-feeding end of the conveyor, dumped into a stainless steel hopper, where an auger picked them up and carried the scrap to a large refuse bin. All components are sanitary and wash-down.
Racks, tables, and dollies are found in almost every corner of every bakery, in every size and shape and intended for a wide variety of uses. From stainless steel, or aluminium, Megart will fabricate to customer spec., utility racks, freezer racks, oven racks, etc. and heavy duty all welded tables for production use. As well, we offer stainless steel hoppers, bins, totes, etc. jacketed if required, and with agitator assemblies if needed.
Some of the custom designs we provide include:
Custom projects and installations occasionally need structural components and add-ons, which Megart Systems will supply, based on customer specification, or we can provide designs, plans and engineered drawings.
Bowl hoists are provided in many different sizes, shapes, heights, and capacities for a wide variety of bowls, bins, buckets, totes and troughs. Single column, double column, even on a mobile base. Please contact us with details of your application.


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The Resurrection of Christ and the New Creation
The apostle John begins his account of our Lord's resurrection by telling us that it occurred on "the first day of the week" (20:1). In fact, all four Evangelists introduce their respective narratives of the resurrection by telling us this. I find this to be very interesting. Rather than emphasizing the fact that it was the third day after the crucifixion, they emphasize that it was the first day of the week. Of course both are true, but it's the latter they emphasize.
I find this interesting because Jesus had said on several occasions that he would be crucified "and after three days rise again" (Mk. 8:31).[1] We might have expected that at least one of the Gospels would have begun the narrative of the resurrection by saying, "Now on the third day after he was crucified…" This would have tied in very nicely with all that Jesus had said beforehand and would have emphasized the fulfillment of his word. But none of them mentions the fact directly, only that it was the first day of the week. Why is this? I believe it's because the first day of the week corresponds to the first day of creation.
The resurrection of Christ is portrayed in Scripture as the beginning of a new creation, in which old things are in the process of passing away, and new things are coming in to take their place.
The Resurrection and Personal Redemption
This language of a "new creation" is one that the apostle Paul uses to describe our individual redemption and transformation that comes as a result of knowing Christ.
If anyone is in Christ, he is a new creation. The old has passed away; behold, the new has come (2 Cor. 5:17)
He uses the same language in Galatians 6:15 when he says, "Neither circumcision counts for anything, nor uncircumcision, but a new creation." And we find the same idea stated in similar terms elsewhere. In Ephesians, we are admonished to "put off" our "old self" and to "put on the new self, created after the likeness of God" (Eph. 4:23-24). Note the echoes of Genesis, where we are first informed that God created man in his own image and likeness (Gen. 1:26-27). We hear similar echoes in Colossians, where we are said to have already "put on the new self, which is being renewed in knowledge after the image of its creator" (Col. 3:10).
Resurrection of Christ and the Redemption of Culture
It is important to note, however, that what Christ did through his death and resurrection has a bearing not just on us as individual human beings in terms of our personal redemption, but on the whole history of the human race. It introduces an entirely new epoch of human history. In the same way that the gospel transforms individual human beings, so it also transforms cultures. The world looks entirely different today than it would have looked if Christ had never come. Even with all of the imperfections and inconsistencies, which are all too evident even within historically Christian cultures, the world is an immeasurably better place—a more humane and civilized place—because of the impact of the gospel.
It's true that there has been a general decline of Christian influence throughout the West in recent decades—as witnessed by the acceptance of child-murder via abortion, the norming of sexually deviant behavior, and other social ills—but we expect a revival of Christian thought and ethics in our culture as a consequence of an even greater impact of the gospel still to come.
The Resurrection of Christ and the Redemption of the Cosmos
Even beyond the personal and cultural impact of Christ's redemptive work, we understand that what he did through his death and resurrection has a bearing upon the entire creation.
For the creation waits with eager longing for the revealing of the sons of God. For the creation was subjected to futility, not willingly, but because of him who subjected it, in hope that the creation itself will be set free from its bondage to corruption and obtain the freedom of the glory of the children of God. For we know that the whole creation has been groaning together in the pains of childbirth until now (Rom. 8:19-22)
Paul speaks here of the redemption of nature, the lifting of the curse that presently burdens all creation (Gen. 3:14-19). The prophet Isaiah speaks of the time when the curse will be lifted, when he says,
The wolf shall dwell with the lamb,
and the leopard shall lie down with the young goat,
And the calf and the lion and the fattened calf together;
and a little child shall lead them.
The cow and the bear shall graze;
their young shall lie down together;
and the lion shall eat straw like the ox.
The nursing child shall play over the hole of the cobra,
and a weaned child shall put his hand on the adder's den.
The shall not hurt or destroy
in all my holy mountain;
For the earth shall be full of the knowledge of the Lord
as the waters cover the sea (Isa. 11:6-9)
All of this lies behind what Paul says in Colossians, where he writes that God has been pleased through Christ to reconcile to himself all things, whether on earth or in heaven (Col 1:20).
Yes, our Lord was raised on the third day after his crucifixion, but it was also the first day of a new creation.
[1] Cf. Mk. 9:31; 10:34; Matt. 12:40; 16:21; 17:23; 20:19; 26:61; 27:40, 63; Lk. 9:22; 18:33; 24:7; John 2:19; see also Acts 10:40; 1 Cor. 15:4


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The Samsung Galaxy Lite, a phone we've taken an interest to since it popped up earlier this month, has reportedly been pictured and detailed. The Samsung Galaxy Lite will have 3G, Wi-Fi, and will even include a trackball (absent on the Samsung Galaxy). There are reports suggesting that this might be a Google Experience, "with Google"-type phone (not sure if that's a good thing these days though).
We expect the Samsung Galaxy Lite to be offered as a low-end, highly-affordable type device, a market for Android that's largely been untapped. It'll be interesting to see how the Samsung Galaxy Lite and the HTC Click compete against one another in the future. How do you guys feel about the Samsung Galaxy Lite?


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Network cameras put focus on versatile security options
With products aimed at both the low and high ends of the security market, network camera manufacturers are witnessing steadily increasing interest in this next generation technology.
While the current consensus is that network cameras won't soon replace existing analog and digital cameras, these web-friendly products, with built-in servers and Internet and Ethernet capabilities that surpass the capabilities of their analog counterparts, are becoming attractive to everyone from homeowners and small business people to large, multi-campus organizations.
Tim Martin, vice president for Veo in San Jose, Calif., said the company's Ethernet-ready camera is marketed and priced for small businesses and home network users seeking a remote monitoring option.
"What we're trying to do with this is use it for safety and security and access from anywhere in the world," Martin explained.
Everyone from IT people wanting to monitor wiring closets to homeowners viewing their vacation residences to small businesspeople tracking money exchange at the cash registers or activity in their backrooms is a candidate for a network camera, Martin said.
And with features such as emailed images and, down the road, access via handheld computers and cellphones, network camera-based security can be "compelling for small businesses," Martin said.
More bells and whistles
Frank Abram, vice president at Panasonic, concurred that lower-end models are attractive to the general purpose market, including convenience stores, service stations and other "absentee manager" businesses.
"It gives them (the managers) an opportunity to look in and see what's happening at the facility," he said. But, Abrams noted, this model "isn't a systems-type application."
Higher-end products, which are designed to interface with existing CCTV systems, often feature more bells and whistles, including day-night capabilities, motion detection, higher resolution, color and software-oriented upgrades.
Abrams said companies such as AOL have added IP cameras into their existing CCTV network so guards can view parking lots and even follow people to their cars via the camera.
Like the others, Frank Polidoro, national sales manager for Samsung Opto-Electronics America, said he has witnessed a variety of uses for its network product, ranging from small airports and construction sites to the more unusual use of the Audubon Society, which monitored the flight paths of birds via network cameras during the New York City event commemorating Sept. 11th, when beams of light were projected into the sky.
Audubon, Polid-oro said, was concerned the light would interfere with the birds' flight, so network cameras were employed to provide constant Internet-based monitoring.
Crafting Secure networks
"The applications for network cameras is endless," Polidoro said. "People are definitely thinking outside the box."
And while some personal and small business users are accessing network camera images via the Internet, such as was the case with Audubon, Polidoro and others said the majority of users are using their own secure networks.
Polidoro noted traditional monitoring and guard services also use network cameras to complement their existing activities. By typing in the IP address of the camera, monitoring facilities can access the camera's video.
John Kaloukian, senior marketing manager-security for Sony in Park Ridge, N.J., concurred the security market has been the focus for most products.
However, he added, "security is the slowest-moving market" because of its price-driven nature. Still, he said, "we feel security will be the biggest area, growthwise."
Kaloukian said a knowledge of the security industry has played a large role in its camera features, including alarm triggers and simultaneous access, meaning multiple users can view events using the same camera.
A worldly influence
World events have also influenced the creation of and market for network cameras, Kaloukian noted. "I think all aspects of our lives will be monitored," he said, adding that process has already begun. "Remote monitoring will be a huge part of our lives going forward and (network) cameras will be a part of this."
Jack Gin, president of Extreme CCTV in British Columbia, also acknowledged the changes that are influencing the use of network cameras. "The whole industry is at warp speed and moving toward digital and networking," he said.
Extreme CCTV recently put networking capabilities into its fixed camera with infrared illumination. Gin said the "24/7 capability of networks," which allow users to connect and view at any time, made the ability to view images in total darkness critical.
From a security standpoint, he said, "there is a real need to provide irrefutable evidence in the dark."
Smart network cameras
Rick Davitt, vice president-marketing for IQinvision, Newport Beach, Calif., which provides camera technology to existing security partners, said cost effectiveness will help drive large users to network cameras. He said the current market is driven by several types of buyers: those motivated solely by price, those seeking cutting-edge images and those who seek a stepping stone to a true "smart camera" option.
Although not yet on the market, Davitt said lab and beta tests are under way at IQinvision for a smart network camera that can "send data as much as images."
Among the features such a camera would offer, he said, is the ability to interface with access control systems so the camera would count and reconcile the number of people associated with each prox card swipe or do other "smart" functions such as recognize certain security-critical behaviors such as falling.
Greg Bressler, product manager for Rhode Island-based Videology, said he believes price and familiarity will eventually move the market toward greater acceptance of network cameras.
"As prices come down and existing systems start to fail, network cameras will move their way into the market," he said.
He said a learning curve also exists-not only for the installers, but also for security personnel, who are now dealing with a computer-based product. "As we make cameras easier to install and use," Bressler said, "we bring up the comfort level among the end users."


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Good lord they stank.
When i say they stank i mean they really really stank.
I have a very very poor sense of smell and I was gagging i even had to put the window down.
Never in all my years came across anyone who smelt so badly of smoke as these two women.
Part of me thinks they may have just rubbed themselves down with used fag butts instead of taking a shower
Part of me thinks they may have just rubbed themselves down with used fag butts instead of taking a shower
Not even some of the tramps sleeping rough, unable to wash and smoking dog ends where a patch on them.
These women where no older than say 25 and looked clean and well dressed, the best of it was they where heading off clubbing into town!!
What do you do?
Do you tell them?
How do you tell em its not like you know them?
You cant turn round and say
Oi love you smell like a dead badgers arsehole sort it out will ya!
They get upset if you do that and upset punters don't tip.
So what did I do?
I asked "where ya fore".
Then drove there as fast as could while trying to breathe the air coming in through the gap in the door window with out them noticing.
Maybe i should have said something but I had to drive with windows down for about half an hour and buy a new air freshener before i got rid of the smell.
So i was a bit low on sympathy.


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Date: 07-Sep-09
Country: INDIA
Author: REUTERS
Few events can rival the ancient rituals and riotous color of India's religious festivals. This year, the months-long
celebration season is also becoming eco-friendly. Alarmed by the high levels of pollution caused by firecrackers, toxic
paints and idols made of non-recyclable material, schools, environmentalists and some states are encouraging "greener"
In Mumbai, where the 10-day festival for the elephant-headed Ganesha (the Hindu deity of prosperity) is underway with
giant, colored idols and noisy street parties, radio and TV stations are airing environmental messages and school
children are learning to make eco-friendly idols.
The statues, made of brightly painted plaster of Paris, are usually immersed in the sea or a lake after a lively
procession that can sometimes take half a day to navigate the choked streets, and which ultimately leaves dismembered
idols strewn along the shore.
But a growing number of Indians are opting for smaller clay idols which they immerse in water at home.
"An idol that doesn't dissolve in the sea is just a tragic end for something you have worshipped for so many days," said
Abhijit Karandikar, a creative director at an advertising agency. "More people are realizing they can be more
eco-friendly in our festivals. It's something that's in our control."
© Thomson Reuters 2009 All rights reserved


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PDFTron iOS SDK by PDFTron Comments
The PDFTron iOS SDK by PDFTron allows API communication to access PDF features that developers can integrate into Apple applications. Users will be able to create PDF files, fill forms, sign documents, and process text with a proper development. See Alice in Wonderland example on the site.


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Shocking footage has emerged of a disturbing road rage incident that left two men battered and bloodied on the Gold Coast.
Vision filmed last Saturday afternoon shows a young man holding a skateboard approach a man in a white car.
As the driver attempts to get out of his car, the other man begins to strike him with his skateboard before a full-on brawl erupts.
The men fall to the ground hitting one another and are seen to be covered in blood.
The driver eventually manages to get back into his car before the other man proceeds to smash one of his rear lights.
"Total shock, that is a serious road rage incident," Cameron Parker, who filmed the incident, told Nine News.
"It was pretty horrific. The guy's head was seriously damaged. There was blood everywhere."
Mr Parker alleged that bystanders tried to wave down the man in the white car but he drove off.
While police were called to the scene, they are not investigating the incident as they did not receive any complaints.
Paramedics treated a 24-year-old man.
Mr Parker alleged the driver of the white car had earlier jumped out yelling abuse at the skateboarder before throwing a few punches.
The brawl then erupted 200m up the road at the corner of a busy intersection.
Author: Sophie Cousins. Approving editor: Nick Pearson
Source: Nine News
© Nine Digital Pty Ltd 2019


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Choosing the Right Law School / Re: Undergraduate GPA sucks; Master's GPA is great.« on: September 24, 2012, 07:53:53 AM »
Considering I have to lower my expectations a bit, I'm probably going to look into applying to University of Minnesota, Hastings, USC, UT, and NYU; I also haven't decided if I'll apply to some nearby smaller schools. I'm aware my acceptance rate probably won't be too high. haha.
I guess a good, LGBT-friendly school will do.
I guess a good, LGBT-friendly school will do.


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I'm a Hungarian undergraduate who studying informatics technology in Kecskemet College, in the central of the engineer training in this region. I'm very busy at the moment with my new subjects, such as statics, or material science, don't mention the exams every week,so I can't respond to all message immediately. I always try to do it as fast as I can. I am trying to take time to learn and experiment with 3d modeling, skinning, rigging, animating, texturing, and rigging. I am want to learn the next generation human designing now, with a modern work flow. My progress is only depends on my free time.
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Center Field is 225 at Lamson
Center Field is 225 at Lamson
Well at least we got a chance to lose the game. Can't b*tch about that.
Dj drops ball on a steal run scores runner to 3rd
No time to fall apart. Come on Cajuns
We have to start walking Griggs.
2-1 LSU still no out.
Griggs singles to left 2-1 tigers
Alyssa denham in bullpen
2-1 LSU. Still 0 outs.
Now we'll get to watch their pitcher dance and giggle all over the circle again.
So did I hear the LSU folks signing "Neck"? Complete with STTDB?
Big to get out of that with just 2 runs conceded.
Let's get some runs!
Nice job coming back there by Alex.
2-1 LSU End of 3rd
Could have been worse. Nice job minimizing damage
Alex manages to keep them at 2 runs. We have got to hit this girl now. Let's geaux Cajuns!!
Now let's hope that Hoover starts to suck.
Why is Chavez in the lineup?? She is too big and slow
Lead-off base hit..would be really big to answer here.


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Karlos Williams has had an up-and-down start to his career in the NFL to say the very least.
The powerful running back from Florida State was drafted by the Buffalo Bills in the fifth round of the 2015 Draft, with Williams dropping down scout rankings after being overtaken by freshman Dalvin Cook on the Seminoles depth chart.
Williams was cut by the Bills at the start of the season after turning up out of shape and failing the NFL's substance abuse policy. Well, Williams has violated that policy again and has been handed a hefty suspension.
Want to become a GMS writer? Sign up now and submit a 250-word test article: https://gms.to/haveyoursay4
According to Ian Rapoport of the NFL Network, the running back - now on the Steelers roster - is being suspended 10 games for violating the NFL Policy and Program for Substances of Abuse.
Williams looked like he could be a real star after a rookie season that saw him run for 517 yards and seven touchdowns on 93 carries in 11 games while serving as the backup to LeSean McCoy in Buffalo.
Unfortunately, things have gone awry since then for the 23-year-old.
Hopefully, Williams can turn things around and we get to see him back out on the football field sooner rather than later. The talent is there for Williams to play in the league for a long time to come, he just needs to cut out all the extra stuff.


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GAIKA's debut album 'Basic Volume' will be released on 27 July.
Following a string of releases – including a blistering pair of acclaimed self-released mixtapes 'Machine' and 'Security' and Warp-released EPs 'SPAGHETTO' and 'The Spectacular Empire' – GAIKA announces his debut LP entitled 'Basic Volume'.
"'Basic Volume' takes its name of from my fathers maroon technology. It is the science he taught me before he left this world. It is the poetry we grew under and were made strong by its force. With this knowledge I fought until my hands bled, propelled into combat by the god of metals. It's all true, I nearly lost my heart to angry memories, waking dreams of burnt out laboratories and dead friends. I am this chemistry and it is I and so I wrote it here. 'Basic Volume' is collection of alchemical parables for all the Immigrants who wander the earth in search of themselves."
'Basic Volume' will be digitally released on 27 July, with physical formats to follow. Watch the new video for 'Crown & Key' below, directed by Paco Raterta.
"A new British icon"The Guardian
Listen to the first track released from 'Basic Volume', available to buy and stream now.
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