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Pharmacy Error Lawyers
Pharmacy errors occur regularly in American pharmacies, causing major medical problems, injuries and death to victims. When it comes to unknowingly exposing oneself to risk, few scenarios are as unsettling as the notion of taking the wrong amount, type, or strength of prescription medication. If you or a loved one recently experienced an injury or unexpected death after an error by your pharmacist, the NY medical malpractice lawyers of Edelman, Krasin & Jaye can help you recover the compensation you deserve.
Types of pharmacy errors
A recent study conducted on community pharmacies in the U.K. revealed that out of 50 test prescriptions – each containing a deliberate hidden error – only one out of three pharmacists could actually identify and correct the error. Pharmacy errors can occur in any number of ways, especially considering the sheer number of prescription medications and medical devices available on the market today.
A medical malpractice lawsuit in New York may be based on any of the following:
- Failure to detect possible drug interactions
- Failure to properly counsel patients
- Incorrect chemical compounds
- Mislabeling
- Incorrect patient instructions
- Misinterpretation of physician's handwriting
- Failure to clarify physician instructions
- Incorrect dosage
Any one of these errors could give rise to a medical malpractice lawsuit in NY, which can help compensate a victim for the possible injuries associated with a pharmacy mistake. The problems that can occur for victims of pharmacy error can include overdose, a failure to correct the targeted condition, chemical imbalance, unexpected side effects, allergic reaction, coma, or death.
One recent pharmacy error case involved the over-prescription of the blood thinning drug warfarin, which caused the victim to cough up blood and experience severe life-threatening side effects and symptoms.
Issues causing pharmacy error
Pharmacists work grueling hours, processing hundreds of orders per day. Therefore, the sheer volume of work facing many local druggists presents the perfect storm for possible error or oversight. Moreover, many pharmacists – particularly those employed in national or multi-national drug store chains – are required to work overnight graveyard shifts in order to provide customers access to vital prescription medications 24 hours per day. For these reasons, a New York pharmacy error lawsuit may involve the pharmacist's employer as a named defendant, along with the actual pharmacist responsible for injuring the victim.
With decades of experience successfully representing clients in medical malpractice lawsuits in the five boroughs of New York City and Long Island, our law office can help you win compensation from the pharmacists or other negligent parties that caused your injuries.
Basics of a medical malpractice lawsuit
Medical malpractice is a sub-set of the civil law doctrine known as negligence. In general, negligence is established by showing that the defendant owed a duty of care to the plaintiff, committed some act (or inaction) to breach that duty, and injured the plaintiff as a result. Negligence laws are applied across a number of scenarios, including defective products, personal injury and, in the case of pharmacy error, medical malpractice.
Medical malpractice requires meeting certain nuanced factual and legal thresholds regarding proper protocol in the medical community, which often requires testimony by experts familiar with the particular situation involved in the case.
In the context of pharmacy errors, establishing negligence would require establishing the following:
- The pharmacist owed a duty to the patient to exercise care and caution when measuring, labeling and dispensing medication
- The pharmacist committed some act of misconduct with regard to filling the prescription, including any of the above-listed pharmacy error examples
- The error caused some sort of injury or problem for the patient
One of the most difficult aspects of any negligence action involves establishing causation. In the context of pharmacy mistakes, the plaintiff must prove that the improper dosage or mislabeled bottle directly caused the patient's resulting medical problem. One of the most common defenses invoked by pharmacies and pharmacists alike is that of a lack of causation, including the proposition that the patient's medical afflictions are actually a result of the underlying disease or condition and cannot be associated with pharmacy error.
Fortunately, our medical malpractice lawyers are well-versed in rebutting causation defenses and will work diligently to positively affiliate the pharmacist's error with the victim's ultimate adverse side effects.
Compensation following a successful NY medical negligence lawsuit
Edelman, Krasin & Jaye works hard to recover all possible compensation for our clients.
If you are a victim of pharmacy error in Manhattan, Staten Island, Brooklyn, Queens, the Bronx or Long Island, we can help you recover the following:
- Medical expenses, including costs associated with your treatment, recovery and rehabilitation
- Lost wages
- Future earnings, if you are deemed unable to return to work
- Compensation for pain and suffering, mental anguish or loss of a loved one
New York laws do not maintain a threshold damages cap for medical malpractice claims, unlike many other states that restrict the amount of compensation a victim can receive. As well, surviving family members of medical malpractice victims can seek comparable compensation under New York's wrongful death laws, which allow immediate family members the opportunity to recover the costs of a loved one's final illness, funeral and burial.
Contact a New York pharmacy error lawyer today
Pharmacy errors are inexcusable, and our team of dedicated and respected New York medical malpractice lawyers can help you and your family recover from the financial devastation of what should never have been. For more information, or to set up a no-fee, no-obligation consultation, please contact Edelman, Krasin & Jaye by calling 201-383-1878 today.
- Pharmaceutical-journal.com, Two-thirds of pharmacists miss at least one of five dispensing errors, http://www.pharmaceutical-journal.com/news-and-analysis/news/two-thirds-of-pharmacists-miss-at-least-one-of-five-dispensing-errors-hidden-in-test-prescriptions-study-finds/20066386.article
- News Channel 9, CVS Pharmacy Gives Customer Wrong Prescription, http://www.newschannel9.com/news/top-stories/stories/cvs-pharmacy-gives-customer-wrong-prescription-13069.shtml
- NBC, Prescription for Error? I-Team Investigates Pharmacy Mistakes, http://www.nbcwashington.com/investigations/Perscription-Errors-Pharmacy-CVS-Investigation-246947451.html


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This Seusstastic birthday cake is our tallest cake to date! Clocking in at over 5 feet tall, this banana walnut with peanut butter frosting monstrosity was a lot of fun to make! It was also our first cake to utilize a PVC pipe for infrastructure. Hooray for learning on reality TV!
Tags: birthday blue white red cake banana dr seuss horton hears a who if i ran the circus
The Bunny Baker - http://www.thebunnybaker.com
10 Comments
WOW!! Great job!
holy cow! love this cake! it's perfect!!!
Gravity defying brilliance! Absolutely love it!
ummm… speechless! :P
Truly a work of art! Beautiful….
This is awesome! X

subset: commoncrawl


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Justice Matters in Lawrence, Kansas
Systems that heal and restore rather than punish and exclude sit at the intersection of Justice Matters' individual priorities:
- Expanded Mental Health Treatment
- Restorative Justice in Schools
- Criminal Justice Reform
For these reason, Justice Matters is committed to making Douglas County a "Restorative Community".
Restorative Justice is a form of justice that seeks to repair the harm caused by misbehavior (e.g., adults perpetrating crime, students acting out in the classroom).
Restorative Justice is often understood in contrast to its competitors:
- Retributive Justice (i.e., "getting back" or punishing to engender behavior change)
- Incapacitation (removing/isolating/incarcerating perpetrators to prevent further misbehavior).
Restorative justice views misbehavior as more than code violations – it also causes harm to people, relationships, and the community. So a just response must address those harms as well as the wrongdoing. If the parties are willing, the best way to do this is to help them meet to discuss those harms and how to about bring resolution. Other approaches are available if they are unable or unwilling to meet. Sometimes those meetings lead to transformational changes in their lives.
There are three big promises conveyed in the spirit of Restorative Justice:
- Repair: people cause harm and justice requires repairing that harm;
- Encounter: the best way to determine how to do that is to have the parties decide together; and
- Transformation: this can cause fundamental changes in people, relationships and communities.
There are formal programs that are called "Restorative Justice" like a Restorative Circle in schools where students who acted out in a class meet together with peers and anyone harmed and they discuss their actions with the assistance of a trained facilitators.
Other practices are known as restorative justice because they address the underlying drivers that led to the harm (e.g., drug treatment for an addict who is stealing, etc.). Justice Matters is interested in pursuing restorative justice in its formal and informal applications.
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Not only do I have an amazingly beautiful area with thousands of adoring members of the church who LOVE us to death, but I also have an amazing companion I talk to forever into the late hours of the night AND I also get to go on exchanges with Sister Holtermann!!!!! AND IN OUR 5 STAR RIDICULOUSLY NICE APARTMENT, I HAVE A SLEEP NUMBER BED. YEAH, YOU READ IT RIGHT. I'm living the life of luxury, guys.
It was so sad to say goodbye to Sister Fielding!!! I will miss her so much :( And also Sister John... but as I've said, I love B____ L____ :D I walked into a baptism on Friday and we apparently have two other people who want to be baptized this month and next, so this area is booming with work! We also give tours at the P____ Tabernacle, which I am SUPER excited for, and for the 4th of July we're already signed up to help with concessions and the choir and events.... this is going to be lit!!!
As I've finally hit the last 6 weeks of my mission, I've started on a program for returning missionaries called My Plan. Basically, you write about your experiences that changed you as a missionary and prepare to go home and make goals so you can keep going after your mission. All the missionaries dread it because it constantly talks about going home but also emphasizes dating and marriage like crazy.... ack! BUT, as I was working on My Plan, something happened that I never thought would... I actually received revelation from God during it! My Plan was asking about what I'll do to keep the Sabbath holy at home, and I realized that I want to make that day my spiritual P-Day. I'd be putting a twist on my current P-Day (Preparation Day) that's on Monday that we have to do our laundry, clean, go shopping, play... I can do a spiritual preparation day!!! It hit me out of the blue! 8am to 6pm on Sundays I want to dedicate purely to the Lord and to studying, and then from 6 on I could play with my family and watch gospel movies and all that goodness :) Who knew, My Plan is actually helping me haha!
Another thing I've realized is that it isn't the missionary 'mantle' (special blessings from God) that makes a mission a mission, but it's just doing all of the little things we're supposed to be doing anyway that gives missionaries power! Before I honestly barely ever read my scriptures or prayed consistently, and all I did for Sundays was show up to church and be anxious the whole time to get home and eat lunch. BUT NOW, I understand why we're asked to do these daily things. Nothing else helps us to stay close to Heavenly Father, to learn to speak with Him, and to be protected and strengthened in every moment. I'm feeling like I can actually go home now without any fears because I understand that if I keep up with the little things, I don't have to lose this amazing spiritual high and happiness that I'm on- this streak of joy and fulfillment in my life can only keep getting better and stronger even as a normal civilian again haha!
I want to live my life as a breathing testament that everything and anything you could ever possibly go through is SO MUCH EASIER with Christ on your side. Everything is going so well, and I feel so happy and close and personal with my Savior :D It is the best feeling in the universe, trust me! And I'm not the only one that feels this way!!
Keep on keeping on, everyone!
Sister Clark


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2/3 cup Rice flour
1/3 cup Potato Flour
1 Tsp Xanthan gum
I'll experiment with a bit of Tapioca starch in my next attempt, but the above works really well for just about everything. Needs a touch more raising agent than wheat flower.
Wednesday, June 16, 2010
Useful GF flour mix
Posted by StrangeAttractor at 10:45 PM
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Well, this caught me off guard. Instead of announcing the release date of Pikmin 3 during this morning's Nintendo Direct presentation, the Big N has elected to do it a bit later.
Here, from Twitter, is Nintendo's announcement.
Since you guys asked so nicely, here's a release date for Pikmin 3: August 4. pic.twitter.com/h6ceglAiCB
The link leads to the picture you see on the side of this post.
Those crafty jerks! I assume they announced it after the Direct presentation as they wanted space for the news. Otherwise, Pikmin 3's launch date would have come amidst a flurry of reports on A Link to the Past's next game and the Virtual Console release of EarthBound.


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Our aim is to give you excellent customer service, but we acknowledge that sometimes we might get it wrong.
Please let us know as soon if you have a complaint so we can work with you to put it right quickly.
The process for lodging a complaint with us is detailed below for both Business Electricity and Power Purchase customers.
To obtain a copy of our Dispute Resolution clause in our Standard Terms & Conditions, please contact Customer Service here.


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Welcome to Early Break. We are a charity with strong roots in Bury and Rochdale but also work in surrounding areas. Established in 1994, we are a young person and families service which historically offered specialist substance misuse services. Today, we offer a wide variety of services to address all the needs of the young people and families that we support.
Early Break's work is rooted in 'person-centred' theory. What this means is that the young people and families are at the centre of everything we do. Each young person sets their own goals and targets and the role of their individual worker is that they support them to achieve these goals.
We believe that:
- Children and young people have a right to be involved in decisions that affect their lives
- Children and young people have a right to be respected, listened to and protected from harm
- We work in a way that facilitates informed decision making by children and young people about their drug and alcohol use and their treatment interventions
- We work in a way that respects the diversity of children and young people's cultures, backgrounds and life experiences
- By supporting parents/carers into their own treatment, outcomes for children in the family are significantly improved
- Children and young people have the right to choose whether anyone else from their family is involved in their treatment and that outcomes for the young person are improved when family members are involved in this way
We have a strong commitment to being a responsive service and we want to ensure 'our door is the right door' and even if our service is not for you we will endeavour to find you the right support.
All Early Break workers have experience in working with young people. The range of professional skills and qualifications held by our workers include Youth Work, Teaching, Social Work and Counselling. Qualified Holistic Therapists also provide auricular acupuncture, massage, aromatherapy and electro-stimulation therapy as well as mindfulness and bereavement and loss counselling. What we all have in common is that we can build meaningful relationships with young people and their families. We believe that these relationships are vital for us to support young people to make positive life changes.
Early Break has an excellent track record of delivering services to young people and their families and is proud to say that we hold the 'Investors in Children' kite mark. We have held this in Bury and Rochdale since May 2011.
We want to always offer the very best service we can to do this we work with the people who have used our service on what they would like to see improved for the next people through the door. We do not believe in sitting still and all feedback is welcomed.
We are extremely active on our social media platforms and we want to inform as many people as possible about what we do. Have a look at our Facebook page Early Break UK and follow us on twitter @EarlyBreakUK or meet the team on our Early Break Instagram page.


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29 Sep 2012
Some Basic Joining Notes
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Next Episode of Lost Tapes is
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Ape men, sea monsters, goat suckers, giant worm monsters... This isn't your typical Animal Planet series! Check out our episode guide to "Lost Tapes" to find out what's in store this season. (Source: Animal Planet)
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Morning, today I am sharing with you the first of two cards I have designed for my first Stampin' Up party!!!
At the moment I am designing for Valentine's Day so thought this was the ideal theme for my party!
I've used Real Red ink and cardstock, basic black, Naturals White and Silver Glimmer paper for the small hearts. The main red heart is from the new Spring/Summer Catalogue and is from a laser cut sheet in the More Amore Designer Series pack.
Simple details to convey the message from the You are Loved stamp set.
Kindest Regards Sarah.
P.S. check out my website :


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Strippable booth coating, over already-nasty booth walls10/18
Hey guys, our shop never has bothered to use the strippable booth coatings to keep overspray to a minimum. The booth we have was bought used, and was neglected from the outset. We were told that the overspray already on it would make it nearly impossible to strip off the waxy coating.
I'm sorta curious though, there has to be a way other than a full 100% chemical strip, that we can surface these walls and make for a strippable surface. Some sort of glossy hard coating like an epoxy.
I would think if you sanded them down really well and applied a gloss epoxy floor coating it should work. It will take a lot of time and money however. You could always do a test on piece of scrap before you dove in all the way. Maybe applying a skin of cheap metal over the existing walls with self tapping screws would be cheaper?
Would formica be cheaper skin than sheet metal? I'm also thinking about how razor sharp the edge of sheet metal is (meaning that you should dress the exposed edges just so no one slices themselves should they walk into it or grip it the wrong way.
Rick Mosher, I can always count on a good response from you, thanks! We did think about veneering it with some sheetmetal, it's on our list of options. Not being a sheetmetal guy, I'm not sure what I'd buy, or where to get it, or what's a reasonable cost. But that's something we can find out.
Dan Shafner, I had not thought about using formica, that's probably a great idea. I'd just need to buy a gallon of the coating and spray it on some P-lam and see how easily it peels.
I know that I can buy sheet aluminum from one of my P-lam vendors, it's a popular veneer in this area for accents here-n-there. I think I even have a spare roll of it over in our offcut purgatory.
When our booth was new, the first thing we did was spray several coats of the strippable coating all over it. In time, it would start to flake and big chunks would come off. We were not happy. May have just been the particular brand we used, but we dont use it any more. Now, we simply just broom the walls as we sweep out the booth and periodically scrape with a putty knife.
JM, that's basically what we do, but our booth is smaller than most shops of our volume, because of various constraints. If we were fortunate enough to have the larger 20ft wide booths, this wouldn't be nearly the issue.
I do appreciate you sharing your experience though, thanks!
Another option would be to deftly sand blast the walls using a medium such as crushed Walnut shells. Once your down to the a bare and clean surface, the Binks booth coating is a good product. Comes in a clear or a White. Can be brushed/rolled.
As with any coating your applying , the prep work is the most important step.
we use Sherwin Williams strippable booth coating and peel down the walls once a year and the celings once every 2 - 3 years... the trick is once you have a clean surface to work with is to degrease them and then spray the coating in multiple passes up to the correct thickness.... if you don't get it thick enough it makes it ten times harder to peel off cleanly without tearing constantly... We typically use about 10-15 gallons per 20ft wide 12 ft. high 10 ft. deep booths we have....
I believe galvanized steel sheet should be available locally and not too expensive. We used to make the tops of our mixing tables out of it. It cleans up really easy.
this is how we get that stuff off the walls
This response may be too late but might help someone else in the future.


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Burlington High School's golfers will have a less hectic day on the course at Cheyenne Wells Tuesday, April 18, when the Cougars take on the Tigers in a duel slated to begin with a 4 p.m. tee-off time.
So far in their 2017 season, head coach Michael Steach's quintet has participated in tournaments around the region where several schools come together to participate.
BHS second at CW
Steach's varsity Cougars pulled out a second place finish Friday, April 7, when they traveled to Cheyenne Wells for invitational tournament action at Smoky River Golf Course.
See more details in the sports section of this week's Record.


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Four reputed street gang members were charged with murder Monday in connection with the shooting of Bobby Hughes, 10, on a West Side street corner last Thursday. Charged were Luis Rivera, 18, of 900 N. Ashland Ave.; Noel Rivera, 20, of 1728 W. Division St.; Henry Reyes, 18, of 1108 N. Ashland Ave.; and Elmer Alvarez, 19, of 1517 W. Chestnut St. Detective Martin Burke said police arrested the four at their homes Sunday after a new witness came forward and gave their names. Charges will be dropped against a man named in the murder on Saturday, and another man held in custody will be released, Burke said. He said the two men had been mistakenly identified in a line-up. The Hughes boy, of 1305 N. Greenview Ave., was hit in the chest when a fusillade of bullets was fired at him and a group of neighbors, police said. Raymond Graham, a neighbor he was standing next to, was wounded in the attack.
Trump offers 3 years of protection for 'Dreamers' in exchange for $5.7 billion for border wall
Snow slams Chicago, northern suburbs; plane slides off O'Hare runway
Catholic high school students in 'MAGA' hats mock Native American after D.C. rally, could face expulsion
Copyright © 2019, Chicago Tribune


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As the church looks for new ways to respond to the needs of poor immigrants in urban areas like New York City, are there lessons we can learn from efforts to help earlier arrivals? Although The Godfather might lead us to believe that joining the Corleone family was the dream of every young Italian immigrant, Our Lady of Loretto Mission on Manhattan's Lower East Side offered an alternative in the early 1900's. Its Loretto Clubmostly working boys who have to earn their daily bread, according to its Club Notes, which I recently readencouraged its members to engage in the types of educational activities that could give them a step up in the world.
Members themselvesyoung men in their late teens and early 20'swrote the Club Notes, and this too had its purpose: to cultivate good taste in literary matters. Sons of poor Italian families though they were, at the mission's school they received the beginnings of a solid education.
With its 50-plus membership, the club also served as a source of vocations to the Jesuits and other religious orders. By 1916 nine had joined. Among them was Dominick A. Cirigliano, one of the first members of our Club and one of the first fruits of this Mission. Ordained in 1917, he later became pastor of nearby Nativity Church.
The neighborhood was a mix of Protestants, Catholics and Jews, and tensions arose among them. As their numbers grew, the Italians encountered housing discrimination. Many Jewish landlords are trying to exclude Italian tenants, an issue claimed, but the Italians are steadily pushing east.
The notes also contain allusions to discrimination by Protestant groups. In another issue, for example, we are told that the constitution of the Y.M.C.A. explicitly discriminates against Catholics in excluding them from office, and the same article deplores the proselytizing influence the organization exercises on our young Italian men here on the lower East Side. Part of Father Ciriglano's later work was, in fact, to undo the effects of many years of proselytizing...and check its progress.
Other perceived dangers included the nickel movies. A contributor wrote in 1912 that an estimated 1,200 picture theaters were in operation in the greater New York City area. The worst of it, the author said, was that children of all ages are admitted to moving picture theaters and thus the innocence of thousands of boys and girls is plucked from its bud. Here one senses the well-intended but distinctly moralizing hand of the club's moderator, William H. Walsh, S.J., who was also pastor of the mission.
Activities with an educational purpose included debates. Two club members defended the affirmative side, two the negative. While some topics were of a theoretical nature, others were practical, such as: Resolved: That the Interborough [Rapid Transit] should build the Subway. It did. Generally both sides acquitted themselves well, though at times the speakers faltered. After the Interborough debate, for instance, we learn that of the speakers on the negative side, one suffered from a cold and the other had lost his notes. At an early debate, two associate editors from the then-new America served as judges.
All was not education-oriented, however. Every June, the club organized a day trip to Staten Island. Following an early Mass, the group departed from Elizabeth Street and, after a pleasant sail and a...trolley ride, arrived at 10 a.m. for a day of swimming and feasting at Woodland Beach. Later, Father Walsh purchased property in Monroe, N.Y., for a boys' summer camp. The Club Notes were discontinued after 1918, but their printed pages open a window into the lives of Italian youth in the first quarter of the last century, young men who were helped to find their way successfully through the maze of a complex city filledthen as nowwith pitfalls.


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The Financial Conduct Authority ("FCA") thematic review 15/8 focuses on the level of compliance with existing Consumer Credit Sourcebook rules as based on the Office of Fair Trading's former Debt Management Guidance. The FCA is concerned that debt-management firms, fee charging ones in particular, are failing to provide advice that is in a customer's best interests creating the risk of further indebtedness.
Debt-management services
Debt management firms authorised by the FCA provide debt management services in respect of negotiating with creditors on behalf of debtors and acting as a conduit for payments between them. Debt management solutions most commonly include Debt Management Plans- an informal arrangement between the debtor and creditor(s), where creditors are requested to freeze interest and charges.
The FCA reviewed a combination of fee-charging and free-to-customer debt management firms operating in the relevant UK market. All fee-charging debt-management firms will have now already submitted their full authorisation applications to the FCA and await assessment against amongst other things, the FCA Principles for Businesses and Threshold Conditions.
FCA findings
- High-level findings on the quality of debt-management advice include:
- Failure to assess a customer's personal circumstances and potential vulnerability;
- Failure to assess a customer's financial position specifically, the inadequacy of income and expenditure assessments;
- Recommendation of debt solutions which are not in a customer's best interests e.g. those which reduce the amount of income available to repay creditors;
- Inadequate governance and risk management arrangements e.g. low samples sizes for QA, insufficiently resourced Compliance functions and commercially as opposed to outcomes focused management information;
- Unbalanced financial promotions advertising debt management services; and
- Inadequate client money arrangements.
Business models
The FCA thematic review raises some compelling points about what appear to be inherent conflicts between debt-management firm business models and good customer outcomes. Overlaid with the complexity of customer vulnerability, the review paints a somewhat murky picture.
To give an illustration, half of all advice cases reviewed by the FCA were assessed as posing a high risk to customers i.e. where advice was not appropriate and in the customer's best interests and where the recommended solution was potentially unaffordable and unsustainable. This rose to 60% of all cases, when looking at fee-charging debt-management firms.
Case examples included one instance where a customer indicated (following a thorough income and expenditure assessment) that they could repay their debts in two months. However, as the firm could only get involved where repayments plans were for six months or more, the customer was encouraged to increase expenditure figures so that it would take them longer to repay the debt. Thereby allowing them to enter into a six month debt management plan with the firm.
Given the operational backdrop to the provision of such debt-management firms, the findings are perhaps unsurprising. Indeed, the most significant outlay to debt-management firms is experienced in the process used to determine whether a customer is eligible or not. The mechanics usually involve a lengthy telephone call to assess income and expenditure including external credit referencing and/or validation. Following this outlay, it is perhaps unsurprising that an eagerness to find a debt solution offered by the firm can result in a loss of perspective as to what is in the best interests of the customer. This, coupled with incentives aligned to the number of call to customer conversions and monitoring of time spent on calls can create a potentially fractious environment.
Forming a link between an elegant theory of customer protection and the complex reality of profit seeking organisations is as always, the ultimate challenge.
Consumer vulnerability
Vulnerability has been a key area of focus for the FCA since it came into being in 2013. Similarly, its focus on behavioural economics has been with a view to guiding it as both a policymaker and supervisor towards the underlying causes of a problem and mapping biases to possible regulatory solutions.
The FCA has frequently signposted consumer vulnerability in recent times and this pervades its most recent thematic review in identifying over-indebtedness as a risk factor for vulnerability. Furthermore, the FCA acknowledges that whilst customers are unlikely to shop around for help with debt, they display over-optimism and a sense of compulsion when faced with someone offering to 'solve my problems'.
This too appears to be another hurdle inherent in debt-management firm business models given their interaction with individuals at their most desperate, seeking help with unmanageable debts through the provision of distress purchase products.
The FCA fears the all too easy to imagine situation where an individual suffering from stress and anxiety regarding a seemingly never-ending cycle of debt leaps at the first offer of help. And this does not yet touch on other broader biases linked to overconfidence regarding the ability to reduce expenditure and projection bias in respect of current financial circumstances remaining the same for the length of a debt management plan.
The challenge here is identifying particularly vulnerable customers given the nature of the business and delivering a suitably tailored service that adequately responds to their needs.
Regulatory expectations
- The FCA expect debt-management firms to:
- Accurately advertise the potential benefits of debt solutions and the firm's ability to freeze interest and charges imposed by creditors;
- Request evidence to support customer income and outgoings- as opposed to relying on self-declaration;
- Make referrals to not-for-profit debt advice firms where a customer does not have sufficient disposable income to pay the firm's fees;
- Supplement customer views with accurate and impartial information about the advantages and disadvantages of solutions and how there relate to their particular circumstances; and
- Use plain, intelligible language and avoid unfair terms so that contracts provide a clear picture of what is being entered into, potential changes to this and the charges imposed by the firm.
The FCA have noted that a significant number of firms are unable to evidence and/or stand by how they made the judgements in relation to debt advice and this is particularly concerning due to the potential impact of such failings.
Can your firm answer and evidence the debt management firm advice questions below?
- How are vulnerable customers identified and assurance provided that they are being treated appropriately?
- How is information regarding the range of available solutions presented in a way that doesn't emphasise or underplay certain factors?
- What happens where an assessment indicates that the best solution for a customer is not aligned to one the firm's offering?
- Is there appropriate monitoring and MI in place to assess customer outcomes?
- Is it clear that the outputs of any monitoring and MI are reviewed, understood, shared as necessary and acted upon?
- Are significant conduct issues related to the product/service likely to be promptly identified and acted upon?
Next steps
Scrutiny of debt-management firms shows no signs of letting up. The previous Government accepted a recommendation that HM Treasury, the Insolvency Service, Money Advice Service and FCA would undertake a review of: the legal framework for debt administration, in order to provide consumers who agree to specified debt repayment schemes with a 'breathing space' by freezing interest and charges, and to ensure a fair and appropriate basis for debt repayments to different classes of creditor.
In addition to this, the FCA will be looking for evidence from those firms obtaining authorisation that improvements required are maintained and that advice is provided to an appropriate standard.


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Anne Charlton
Anne Charlton has spent her working life dedicated to community service – in drug and alcohol services, in an aboriginal medical services in regional Queensland, in the Federal Department of Health and on the Central Coast, including running the Grandparents Raising Grandchildren program at Central Coast Family Support.
As Chief of Staff to Senator Deborah O'Neill, Anne fostered strong local community connections as an advocate for vulnerable families and individuals on the Coast.
She currently sits on the Board of Kamira Drug and Alcohol Rehabilitation Service which is dedicated to passionately inspiring women to make positive changes in their lives.
Anne ran as Labor's candidate for the Federal seat of Robertson in the 2016 Federal Election.


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Goodbye Christopher Robin
A rare glimpse into the relationship between beloved children's author A. A. Milne (Domhnall Gleeson) and his son Christopher Robin, whose toys inspired the magical world of Winnie the Pooh. Along with his mother Daphne (Margot Robbie), and his nanny Olive, Christopher Robin and his family are swept up in the international success of the books; the enchanting tales bringing hope and comfort to England after the First World War. But with the eyes of the world on Christopher Robin, what will the cost be to the family?
Genres: Biography, History, Family
Actors: Vicki Pepperdine, Margot Robbie, Domhnall Gleeson, Will Tilston, Alex Lawther, Stephen Campbell Moore, Richard McCabe, Geraldine Somerville, Mossie Smith, Stanley Hamblin, Kelly Macdonald, Dexter Hyman, Sonny Hyman, Phoebe Waller-Bridge, Sam Barnes
Director: Simon Curtis
Country: UK


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Using stickers created from the templates provided, students create a Venn diagram of objects in our solar system, our galaxy and the universe. This short activity can be used as a formative assessment.
Materials Cost: 1 cent - $1 per group of students
This afterschool curriculum includes six lessons plus supplementary materials (e.g., videos, PowerPoint presentations, and images) that explore how light from the electromagnetic spectrum is used as a tool for learning about the Sun. The curriculum... (View More) is designed to be flexible to meet the needs of afterschool programs and includes recommendations for partial implementation based on time constraints. It was specifically designed to engage girls in science. (View Less)
The 9-session NASA Family Science Night program emables middle school children and their families to discover the wide variety of science, technology, engineering, and mathematics being performed at NASA and in everyday life. Family Science Night... (View More) programs explore various themes on the Sun, the Moon, the Stars, and the Universe through fun, hands-on activities, including at-home experiments. Instructions for obtaining the facilitator's guide are available on the Family Science Night site. (View Less)
In this activity, children make a mobile of galaxies; patterns and instructions are included. It introduces the different shapes of galaxies and their nomenclature. Note that young children will need assistance from an adult or older child to safely... (View More) complete this activity. (View Less)
Materials Cost: 1 cent - $1 per student
In this activity, students are reminded that the Universe is made up of elements and that the heavier elements are created inside of a star. They are then introduced to the life cycle of a star and how a star's mass affects its process of fusion and... (View More) eventual death. Students discuss the physical concept of equilibrium as a balancing of forces and observe an experiment to demonstrate what happens to a soda can when the interior and exterior forces are not in equilibrium. An analogy is made between this experiment and core collapse in stars, to show the importance of maintaining equilibrium in stars. Finally, students participate in an activity which demonstrates how mass is ejected from a collapsed star in a supernova explosion, thereby dispersing heavier elements throughout the Universe. This activity is part of a series that has been designed specifically for use with Girl Scouts, but the activities can be used in other settings. Most of the materials are inexpensive or easily found. It is recommended that a leader with astronomy knowledge lead the activities, or at least be available to answer questions, whenever possible. (View Less)
Materials Cost: $1 - $5 per group of students
Students are introduced to the periodic table and the concept of atomic elements. The group discusses how all material in the Universe is composed of elements and that the atom is the smallest particle that still has the physical and chemical... (View More) properties of any given element. As an exercise in statistics, the students participate in a counting experiment in which they sample a 'Universe bead mix' (where each bead color represents a different element present in the Universe) to estimate the overall composition of the Universe. They compare their findings of the Universe's overall composition with the composition of various different objects in the Universe that are represented by mixtures of rice, beans and other dried goods in jars. Finally, students are introduced to the idea that hydrogen fusion creates heavier elements inside a star. This activity is part of a series that has been designed specifically for use with Girl Scouts, but the activities can be used in other settings. Most of the materials are inexpensive; however, some portions of the preparation can be time intensive. It is recommended that a leader with astronomy knowledge lead the activities, or at least be available to answer questions, whenever possible. (View Less)
Materials Cost: $5 - $10 per group of students
This toolkit includes PowerPoints and scripts, videos and accompanying activities and handouts about supernovae. Following are specific items in the kit: Supernova in the Lives of Stars PowerPoint and Script; Let's Make a Supernova (participants... (View More) imagine themselves inside a large star at the end of its life, just as it is about to go supernova); Nuclear Fusion (a simple and engaging activity explains nuclear fusion and how radiation is generated by stars, using marshmallows as a model); Supernova Star Maps (allow visitors to experience finding stars in the night sky that will eventually go supernova); A Universe Without Supernovae (an active game to illustrate the value of supernovae in the universe); and Lives of Stars (an activity and handout about the lifecycle of stars and when supernovae happen.) (View Less)


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Dear Readers, Friends, and Family:
It is not often that one comes before others without any pretensions, decorum or poetic words; with just a message straight from my heart to yours. Some of you might not have known this, or might be surprised to hear it, but for over two years I have been away from my homeland, my kids, my job, and my family and friends there. At first, I have traversed foreign lands here in China. Anyway I am happy to report I will be returning home some time in the next three or four months.
I certainly appreciate every one who has stopped by here on this blog since 2008 from all over the world. (Before this blog I wrote poetry for three years on MySpace and there was quite a few of the same readers who used to visit my poetry there that have come here). I appreciate all the comments, and those that have read my words here, or purchased my books. Thank you so much. While I was gone from home I visited places and abodes of the Goddess in China and elsewhere, (there will be even more More About Goddesses columns about some of those places), I drafted numerous poems here on this blog, and finished five poetry collections, three were published since I have been away from home, and I have had my share of adventures. But to be in a foreign land, is not the heartland of home.
From my heart to yours, I appreciate you all so much, but it is time for this poet to go back home. To my kids, and my family, and my friends back home, I have missed you all so very much. You have no idea. I have daily longed to see the hills of home, and the freedoms my homeland has to offer. But I want to reassure my readers that my poems will continue just as they happened before I ever left home and will keep on happening after I return.
My sense of dedication to my art and poetic word that burns and flows in my heart cannot ever be stopped or silenced. I struggle, arms linked with those that are downtrodden, oppressed, and remain unfree. I long for women to be treated properly all over the world, and for the world to recognize the folly of unbridled patriarchy. I will not stop writing here and in my future collections. But it is time to go home.... and that will be happening very soon. Thank you for your prayers and support which makes it all happen.


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Still waiting, but....
We should be able to build stem.mp4 files making use of ffmpeg.
Check this write up for more details: https://splice.com/blog/native-instruments-stems-format-how-it-works/
If I wouldn't be so busy right now I'd dish out my own stem-tool using ffmpeg.Thanks for the link.
Edit: I just read the article. Its very good and I'm glad Slice even tries to start an initiative for an open format.Maybe this stem-thing is getting somewhere or at least starts something which will result in better interchangeability.
Wow, if I'd only know where to start, I would even try to chip in building the stem-tool.
That's cool. Let's see how NI's stem tool will turn out. If it sucks we'll make a better one
Well.. Let's pray it sucks. 😉
Usually they forget something important so start the prototyping
Let's start up ye olde Moleskine. 😀


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Carrie Underwood: 'Two Black Cadillacs' Fan Club Party Celebration!
Carrie Underwood belts out her hit "Two Black Cadillacs" at an exclusive fan club party to celebrate the number one song during the 2013 CMA Music Festival Week at Country Music Hall of Fame and Museum on Tuesday (June 4) in Nashville, Tenn.
"Just got a peek at my "Blown Away Tour" exhibit at the @countrymusichof (Country Music Hall of Fame & Museum). Can't wait for you to see it!" the 30-year-old entertainer tweeted that day.
"Who's ready for the #CMTawards tonight? It's going to be a lot of fun!" she added the next day.
At the show, Carrie plans to take the stage to perform a tribute to the devastating tornado victims in Oklahoma.
Tune in to the CMT Awards tonight at 8pm EST.
FYI: Carrie is wearing alice & olivia by Stacy Bendet.
10+ pictures inside of Carrie Underwood performing her hit song…


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I wish TechStars would have been around in '93..
My first business was fairly late in life. I started it as moonlight gig back in 1993. I had some success at NASA with some 2D visualization software I had written to graph time history data. Everyone thought it was awesome, so I took advantage of the software being in the public domain, rewrote it to be better and tried marketing it and selling it on my own. By the time all the credit card bills were added up I spent something like $10K which was surely the extent of my credit at that point in time. I sold….exactly two copies. The first to a research firm somewhere in Canada for $395, and the second back to NASA, source code and all for something shy of $20K. It worked out for the best as that $20K allowed us to move to Colorado where things worked out much better..
I will say it was a great learning experience however.
Now, a few lucky people can start their first company without using $10K in credit from their credit cards. Its called TechStars and I think its one of the coolest things I have heard of lately. TechStars was started by David Cohen, Brad Feld, Jared Polis, and David Brown.
TechStars allows up to 10 teams to receive up to $15K in funding to spend the summer pursuing their first business. And, along the way, get some great advice from successful entrepreneurs in the Boulder area. As someone that has spent the most fruitful part of my career in the Boulder area taking advice from this great collection of people, I have to say this is a rock'in deal. I can't wait to see the teams and meet the lucky people who get involved.
If they bring it… they will certainly make connections and friends that will last the rest of their professional careers.


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Crochet Pokemon
I never thought I would see the day that Pokemon would return in full force but here we are. For me, when Pokemon came out, I was too old to capture the kid craze with it. I remember them being toys at McDonalds.
For some of you, it will have nostalgic feelings. Seeing I don't have my own children, some of you may have memories of your children or grand children being wrapped up into this craze.
With Pokemon Go being linked to a free downloadable app for your mobile device, the somewhat reality of the program is luring many to play.
In light of Pokemon returning, I have taken liberty to locate some free patterns featuring Pokemon. Please note that I don't have any Pokemon Patterns myself.
Pokemon Crochet Patterns
All selections are close resemblances and not licensed characters or exact matches.
- Pokemon Substitute Doll
- Pokemon Azurill Doll
- Pokemon Blaziken
- Pikachu Doll
- Pikachu with Ash Hat
- Pokemon Munchlax
- Pokeball
There are many resources online to fill your minds and crochet hooks with fun Pokemon related items.


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AHAM Verifide®. Energy Star. Energy Guide. What do those appliance labels mean?
They aren't just labels. If you take a closer look, you'll get valuable information on how much energy the appliance uses, and how much you might be saving.
Buying energy efficient products is just one step you can take to reduce your energy costs. Need more ideas? Take a look at AHAM's energy saving tips.


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Did You Know…
There are more than 12 million motor vehicle accidents every year, according to the National Safety Council. Statistically, one in eight drivers will be involved in an accident involving injuries or property damage in the next 12 months.
Car crashes can happen in a second, but the injuries and consequences can last much longer. Tragically, wrongful death, brain injury, and other serious injury can result.
Causes of Car Accidents
The National Highway Traffic Safety Administration ("NHTSA") estimates that 34,080 people died in motor vehicle traffic crashes in 2012, which was an increase of about 5.3% over 2011. There are many causes of car accidents, including:
- Distracted driving, especially from texting or cell phone usage,
- Alcohol intoxication or drug use,
- Sleep deprivation,
- Dangerous road conditions, including design defects and improperly functioning traffic control devices,
- Road construction, and
- Product liability, such as defective tires.
As Seattle car accident lawyers representing clients throughout Washington State, we thoroughly investigate the car accidents of our clients to uncover all contributing factors in order to identify all those who are responsible. We then seek to recover from those responsible for the full measure of the damages and injuries that have resulted.
Our Job as Your Lawyers Extends Far Beyond the Courtroom
When representing our clients, we:
- Gather and preserve important accident scene evidence (including vehicles and black box event recorders);
- Calculate the full economic value of your damages (such as past and potentially future lost wages);
- Speak with physicians and health care professionals to learn about the likely course of any future medical treatment that may be required); and
- Explain to you the insurance company tricks that are often used to deny liability.
See "How We Help Accident Victims Seek the Full Compensation to Which They Are Entitled"
If You've Been Injured in a Car Accident Due to the Fault of Someone Else, You Should Expect that Defendants and Their Insurance Companies Will Engage in any Tactics Legally Permissible to Avoid or Minimize Liability
Without legal counsel, the playing field is not level; insurance company employees, representatives, and claims adjustors have received significant training in how to act in a way that is ultimately designed to reduce costs and liability for the insurance company.
We Can Help
We offer a free, no obligation consultation so that we may learn about your car accident case, and so that you can ask us any questions that you may have concerning your options for legal recovery. If you retain our firm, unless otherwise agreed, we will serve as your attorneys on a contingency fee basis. This means that there are no fees to us unless and until we recover a settlement or judgment for you.
Please call us today so that we can get started.


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Highlights from SLSA Board Meeting with National Advisory Chairs – May 2017
At the SLSA Board meeting on 27 May 2017, working with the National Advisory Chairs, the following key initiatives are being progressed.
Transition from SRC to Bronze
Develop a clearer pathway for the transition of SRC to Bronze Medallion based on an 'apprenticeship model'. This initiative will encourage retention of our SRC group without the necessity to complete a separate Bronze Course.
Returning Members
Develop an easier pathway for returning members based on specific skills training and the successful completion of a proficiency rather then a blanket requirement to redo the Bronze Medallion Course.
IRB Crew award option in Bronze
Include the option for Bronze Medallion candidates to undertake the IRB Crew award during Bronze Medallion training. This will lead to an increase in the number of suitably qualified IRB crew for our frontline services and flow through to increased numbers of IRB Drivers.
Probationary Bronze Award
Rather than creating a new award use the existing Policy 1.02 "come and try" with a water proficiency requirement and agreed time to complete Bronze Training. It will not replace the normal pathway for Bronze Medallion and members who take this option will not be able to compete at any Championship events. The National Advisory Chairs will review and recommend a clear pathway for those wishing to take this option to encourage recruitment.
As a reminder the SLSA Policy 1.02 allows for non-qualified new members to 'come and try' surf sports activities.
Patrol exemption for Junior Activity Members (SRC )
The National Advisory Chairs will review and recommend the exemption from Patrol requirements for Junior Activities (SRC) to allow them to compete in surf sports as part of their transition to Open competition.
Requalification process
The National Advisory Chairs will review and recommend the delegation of the annual requalification process to Patrol Captains under the supervision of the Club Assessor.
Policy 5.4
The National Advisory Chairs will review and recommend the simplification of the current policy and guideline to give clarity to the membership.
Bronze Medallion curriculum review
Full review of Bronze Medallion to ensure the content being delivered is relevant to what is required of our frontline Surf Lifesavers.
Australian Championships
The Chair of Sport and the National Sport Team are reviewing the Championships and investigating additional enhancements for the Aussies including the creation of a multi disciplined Athlete Panel to help inform the decisions of the Safety Emergency Committee, open engagement with Team Managers in decisions. I thank all members who have provided positive feedback and support
Composite Teams in Surf Sport
The National Advisory Chairs will review and recommend the framework for composite teams to participate in Surf Sport.
The National Advisory Chairs and the associated Advisory and Management Committees will review all of the matters listed above except the Bronze Medallion curriculum review, which will take time to complete, and report back to the August 2017 SLSA Board meeting with their recommendations for endorsement.
The collective view of the SLSA Board and National Advisory Chairs is that these initiatives can be implemented prior to the commencement of next season and will have a significant impact on membership and removing the barriers to participation.
Yours in Surf Life Saving
Graham Ford AM
Surf Life Saving Australia


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My first blog will be a quick one. It is a thank you to two people. Firstly, Sarah Napthali who I have never met but dearly love her writing. I stumbled across her second book, Buddhism for Mothers With Lingering Questions at my naturopath's shop and immediately had them order her first book for me. I am now reading her third book, 'Buddhism for Mothers with School Age Children' and loving it! Her work is beautiful because it is honest, upfront and almost any parent can relate to it, including my husband. So thank you for taking the time to write and share – keep 'em coming.
The second person to thank is the wonderful Samantha Bell. She introduced me to social media, aka Twitter, and I thought that I would find something on Buddhism for Mothers, when I didn't, I started to wonder whether I could do something. Sam was quick to provide her support and encouragement. The basis of all things for her is "if you are passionate and love it, then just do it". We both believe in Open Space principles – the right people will come, at the right time and whatever happens is the only thing that could happen which really helps when considering writing a blog.
So I put this blog out to the universe (or more precisely the internet) and let's see what we can create. Not sure when you will read my first "experience" but according to my plan, it will be about parenting mindfully.
Love to hear from you!


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The 2000 AD Thrill-Cast: Marney the Fox with John Stokes
Veteran artist talks about the classic children's comic story and his career spanning almost 60 years
1 year ago
Subscribe on iTunes | Listen on Podomatic | Listen/download on Soundcloud
Marney the Fox is the next collection from The Treasury of British Comics imprint and on this week's podcast we step away from 2000 AD and take a trip into the countryside with artist John Stokes. Appearing in Buster weekly from June 1974 to September 1976, this Watership Down-style tale followed a lone fox cub's desperate struggle to survive in a dangerous world.
Written by the late Scott Goodall, the series was lavishly illustrated by Stokes, whose remarkable career has seen him go from uncredited work on British children's weekly comics to inking Grant Morrison's The Invisibles. His story is one of changing times and a changing industry, but throughout his work has retained its old school charm and solid workmanship. In this episode, John talks about his childhood amidst the riots of pre-partition India to living on a houseboat to his parallel career creating sets for theatrical productions.
Pre-order Marney the Fox here >>
The 2000 AD Thrill-Cast is the award-winning podcast that takes you behind-the-scenes at the Galaxy's Greatest Comic! As well as interviewing top creators and famous fans, we bring you announcements, competitions, and much more! You can subscribe to the Thrill-Cast on iTunes or listen now at www.2000ADonline.com/podcast


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So we're supposed to take my bridal pictures tomorrow....but its raining right now. I really hope it stops and I don't have to DRAG my dress through puddles! :(
This week was seriously stressful at work. They haven't hired a van driver at my work, so I have to do that with Darrick (my co-worker), along with trying to get my own job done. Wednesday was really bad, because I was already frustrated because I was gone in the van all day and the CNA's were all bugging me for stuff I hadn't taken out of boxes yet, and when did I have time?? So I go to pick someone up from an appointment, and it starts POURING rain....I'm without my coat. So I finally get in a place I can park and put the lift down for the wheelchair and go outside to get the patient on the lift. I'm quickly soaked. I get the lift to the van level, and start to try to "stow" the lift, and it doesn't budge! "CRAP!!" I say, and go grab a screwdriver. When this happens we have to take apart the controller. So here I am, in "business dress" getting even more soaked (if that's possible). My hair is matted to my head, and my hands are too cold to even try to unscrew the controller to plug back in the fuses. Obviously this has happened before...and this time the timing couldn't have been worse. Finally I get it plugged back in and screwed back together, cursing the whole time, and get the lift up. I was SO frustrated I just started to cry. The poor guy I was picking up kept saying "don't cry, you'll make me cry because I'm so tender-hearted" I felt like a moron. I get back to work and walk in to our Director of Nursing's office and she says "WHAT happened to YOU?!" and I start crying. "I can't drive that stupid van anymore, the lift broke and I had to stand in the rain and fix the damn thing, and when I get back I have people freaking out for things I haven't been able to unpack and label yet, but HOW am I supposed to get my job done when I am driving the van all day?!" well....that did the trick. They got someone else who has nothing else to do to drive the van. THANK GOODNESS!!! Anyway.....that was a bad day. An I'm an emotional retard....
Friday, February 22, 2008
Dang it
So we're supposed to take my bridal pictures tomorrow....but its raining right now. I really hope it stops and I don't have to DRAG my dress through puddles! :(
Posted by Danielle at 7:20 PM
Labels: bridals, broken wheelchair lift, crying, rain


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I've taken the plunge and listed some of my crafts for sale on Folksy!! Although I set up the 'shop' ages ago it's taken me a while to get around to actually listing any products. There are only a few items there (it seems to take me ages to list one item - perhaps I'm putting too much information, but I get a bit carried away) so I'm not going to publicise much until I get it a bit more established. I'll only be selling to the UK, at first, too, because I haven't yet looked into postage issues for further afield.
I recently joined a new stitching group that meets in the bar of a local hotel. It was set up via Facebook a couple of weeks ago and is proving quite popular. Needing something to take along, I grabbed a copy of Craftseller with a pattern for crocheted hearts in it, and started on these (above). I was also able to help someone who was having trouble with her crochet. Others were helped out with various problems and some admitted that they'd have given up at the first hurdle if they'd been at home alone. So the group has already proved it's usefulness, with the added bonus of meeting new people with similar interests.
My son's van could do with a good clean! Someone decided to add this 'artwork' while it was parked outside the gym. He was hoping they'd finish it the next time he parked there but, instead, something else was added that I'm not going to show you!
Bye for now
Teresa x
Thursday, 12 December 2013
Taking the Plunge!
3 comments:
- Kath said...
we have a fortnightly craft group and as you say, we help one another with different projects. Some are great knitters and some quilters and stitchers.
Good luck with your online shop!
- 12 December 2013 at 19:58
- wayside wanderer said...
I LOVE that bird picture...all those colorful branches going in a variety of directions and the little birdy is not one I have ever seen before. Great picture!
- 15 December 2013 at 04:30
- Marivel said...
...wishing you a merry Christmas,dear friend.
Best wishes.
- 24 December 2013 at 23:41
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This speedy year brought MIFF at a rate that felt like it happened weeks after New Year's Eve. Nevertheless I was prepared, building my leave at work and getting my minipass well in time. Then in July a very nasty cold started speeding around the town. One inhale while passing the wrong conversation and I was crushed under it for weeks (taking an unprecedented full week off at work). The timing served me with a restraint that normally abandons me when the program is published. A combination of that cold and a growing reluctance to go to things that might get mainstream releases slowed it all down. Instead of taking a day off to fill up my pass with bookings over a long breakfast I waded through my illness, finishing my lineup over the next week. Also, I began to check the selling fast lists that were already getting populated by the first week of the program being out. I ended up getting hit with a few standby sessions but started exchanging anything that went on standby for lower profile screenings. This worked a treat but had the effect of diminishing the sense of overall event. Then again ...
Oh, and that cold I had. This was the first MIFF where I didn't get a cold that got worse but emerged stronger and healthier with every day. All that fine work by the ol' antibodies. Must try an organise something viral for the prelude to next year's fest.
This was the first year I didn't even look at the print program, sifting through the titles on mobiles or the website was a lot faster than the grid, the guide and a pencil. My approach these days starts with time and venue. My minipass gets me thirteen sessions if I book three weekday screenings before 6pm. As soon as I find those the remaining ten can be anything. I try to get the first and last screenings at The Forum as to me it feels like the heart of the whole event (short story with that one but my first session at The Forum - an 11 am show - was so atmospheric it had me committing to minipasses rather than a few tickets each year). Assuming there are no favourite directors in the program I'll then start looking at daytime screenings for anything intriguing. My wishlist will be about thirty to forty films long and I'll book the best looking thirteen and add any extras as they turn up.
Because I was preoccupied with various projects this time the fortnight ended up being more like time off than the wonders o' the Festival. This meant that, apart from sending out my selections to close confederates I didn't pursue companionship at any of the screenings. Those few that happened did so accidentally. Normally, I'll eagerly get into a full house screening to be in the vibe of Cinema the Great but, if anything, I felt detached. The screenings felt like diversions to the other things I had on. This was good in itself but meant that I didn't really get into the festival mood. That said, I saw some good 'uns. On that and more ...
The Good
Hong Sang Soo
A trio of new things from the Korean master of modern manners blessed this year's fest. Hong has been a MIFF darling for a few years now and his screenings can fill a weekday afternoon session. No sign of a release outside of the festival context, though. I know we're past the glory days of real arthouse cinemas like the Lumiere or the Trak but couldn't someone fit these in? The audience keeps turning up.
Tragedy Girls
A Scream from Trump's America, both packing the history of high school horror references and branching out into a kind of psycho-buddy tale, this one wins every fight it tries. Hope it gets a major release.
The Endless
If the Benson and Moorhead team that made this development of mumblecore and Lovecraftian horror keep lifting their game like this we'll have a new wave of horror on our hands and it will be crafty effective and disarming.
A Gentle Creature
Kafkaesque satire from the dark heart of post-Soviet Russia saved from counterproductive severity by a steady hand on the leash of anger. Almost skipped it as it was the last one and had a long running time. Didn't notice the length, though, too busy taking it in.
The Middling
Intriguing story and good delivery in acting and some great visual flair but I don't recall it as much.
The Public Image is Rotten
A decent interview documentary attempting the contentious history of seminal post punk band PiL hits all the right notes but might've examined the disparity of accounts a little further towards the end.
Big Big World
Reha Erdem gets soggy and serious in this perfectly balanced scale in a story of an escape to nature and the nature escaping into the escapees. Powerful but hard to love. Still, in a recently departed era of true arthouse in Melbourne Erdem's films would get a local audience.
Great respect for telling it straight and the auteur director's restraint in letting the artist's tale tell his own but perhaps a touch too straight in the end. Still worth it for avoiding artist vs society and biopic cliches.
The Idea of a Lake
Strong story told in evocative imagery blending nostalgia with the dark matter beneath it but perhaps on the slight side.
The Bad
Jupiter's Moon
Modern fable of the alien begins with a powerful allegory of statelessness and flattens down into a half-baked religious homily. Self subversion.
The Venues
The Forum
The Forum is, as always, the star. Even at sold out sessions where a great hubbub of winceable conversation or feet on seats cannot diminish the presence of an old friend. I try to make the first and last of every Festival a Forum screening.
That dentist chair charm softens into comfort when the lights go down and the good sound and image begin. Always a good seat there.
Modern, well appointed cinemas are still the best places to go to see any cinema. The atmosphere is low if comfortable and the sound and picture are top notch. There are some great seats in the front including a row just in front of an aisle so no seat kickers.
My marginal mainstream cinema of choice outside MIFF, Kino is dependable but get your seat early as the ones on the sides can warp an anamorphic image back to its camera state (happened to me at Duke of Burgundy a few years back, still think of it in academy ratio).
The Comedy Theatre
The seats at the Comedy are the least comfortable of any of the venues past or present. That includes the hovercraft cushions at the Forum. I pick my sessions at this venue very carefully: short running times lower attendance.
Venues in Memoriam
The Russell - Gone forever, an old style plex that suited the music related movies at MIFF.
The Treasury - A lovely continuation of the old Cinemateque. Some problems with sound at some of
the screenings when recently used for MIFF but much missed.
The Capitol - The sheer beauty of the place with that nutso ceiling made even the cruddy old seats endurable.
The Regent - the very best of the vintage theatres used for MIFF in the past with updated seating, opulent surrounds and good projection.
The Lounge
I went only twice and really only to take some photos. It was renovated to be lighter and had I think two of the rows of booths removed for a slight photographic exhibition. Miss the darker earlier state. But as this one was the least sociable MIFF for me in many a year I didn't have the chance to stop for a coffee. Also, I think it was opening later than usual on weekdays. Hmph.
The Staff
Almost universally pleasant. The sole quirk came at the last screening when one young woman volunteer asked me to change seats from my chosen one in the first two rows, claiming they had all been reserved. That was news to me. While there are always a smattering of reserved cards there it's never been the case that those whole rows were taken. I assume she didn't ask if I were a member as I'd come in through the pleb tickets door. When I asked if the session was sold out she didn't know. I went to the row immediately behind and a woman close by said that the same thing had happened to her and her friend. The usher just hadn't understood her instructions. It was annoying but as soon as I could I changed to a front seat and all was gas and gaiters.
The App
The App appeared earlier than usual and worked right off the bat. My one gripe is the sudden acceleration of the downward scrolling of the program. A few slight vertical swipes and it goes through hyperspace to the end of the list. That's two weeks and a bit of many entries per day. The reverse motion doesn't do this. I had to use the tiny blue control on the side to correct this. Apart from that this was the first fest in which I did almost all my organising on the phone (Android app). The Selling Fast/Standby section was invaluable as it helped me with exchange decisions and queue avoidance. The design and utility make this a feature of the festival itself, being not only essential but dependable.
The Trailer and ads
I saw it once and it was lovely. Just a montage of clips to music and the 2017 livery at the end; no lame jokes that ran like cheese graters over our nerves this year, just a sense of excitement and a lot of beauty. It wasn't played before a single screening that I attended. On other ads, I still like the Wander Victoria one with the two women and still still still love the vodka ad with the zeppelin projecting a movie on to the clouds; that's a party I want to go to.
Too many titles to count but of those I had put on my pass I began to exchange every session that went on standby. It means I have to queue if I want even the unpopular front rows I prefer and I just don't want to do that when it's raining icicles (there was a brief warm spell this year in the second week but it plummeted quickly) and it just feels like a waste of time.
I will eagerly wait for a commercial release of:
My Friend Dahmer
The Untamed
Something Quite Peculiar
Los Perros
Sleeping Beauty
Japanese Girls Never Die
Marjorie Prime
I Dream in Another Language
The Belko Experiment
Right Here
A Life in Waves
The Crowds and the Queuing
I never get worried by people chatting even loudly during the ads as they almost always settle as soon as they see the feature starting. In A Gentle Creature a guy behind me who was deeply in love with the sound of his voice was being what he thought was terrifically witty to his female companion. Having already been ousted from my preferred seat I was perhaps more sensitive than usual. The ads stopped and the production badges showed and then the feature's title card and everyone could still hear his scratchy self-entitled drone. As politely as I could I turned and said in my best uncomfortably loud RP tones: EXCUSE ME! SSSHHHH! It shut him up for half an hour after which I didn't care as I'd already defied the clueless vollie who'd ousted me by going back to the front. And then there was a pair of women who thought their whispers were inaudible, two rows away. I wasn't physically placed to hush them and got annoyed that no one closer thought to. But I had a good run in thirteen screenings of people understanding they were in a crowd and the golden rule brought benefits.
I queued twice. Once because Tragedy Girls went on standby and I needed to get one of those front and centre island seats (and not only got it but had a free seat either side:) and for Public Image is Rotten as we had to wait for the closing night film audience to shamble out. Otherwise I showed up just before the lights went down, found a seat front and centre and enjoyed the movie. Coming to this decision (it only works if you prefer unpopular seats like the front rows) a few years back changed the festival experience for me, reducing most of the annoyance I had come to associate with organising myself.
So, MIFF 2018
Now that Team Carey have for years shown how well they can run a great film festival from selection down to the ticketing and staffing I'm just going to assume the same for next year.
I think I'll balance times of day better than I have in the past two years where I've stacked almost everything in the morning or afternoon. The reason I do this is partially crowd avoidance (then there's Hong Sang Soo movies which sell out at 1:30 pm) but also as I like going to the cinema during the day, especially on holidays, it's like stolen time. But a more sociable festival means flexibility there which means more night screenings.
With Netflix etc the probability of getting to see a MIFF title on the soonish side as part of your subscription has added to the need to cull high profile titles out of the selection. I didn't want to put up with the standy crowd or queue for My Friend Dahmer so I exchanged it confident I'll get to it later in the year. Hong Sang Soo doesn't get released in Australia at the marginal cinemas or VOD (even SBS on Demand) so that's a must. See also Reha Erdem or pretty much anything from Russia or Japan. More effort spent on seeking out the low-profile interesting is needed here. It always served me well at times when the fest got absurdly mainstream back in the early noughties. This kind of film no longer has a dependable outlet and has become the prisoner of the festival circuit. It's great to see in a dark room surrounded by strangers and moment but I really do miss that longer term buzz of word of mouth from the arthouse circuit that wrapped unseen movies in fragrant seduction. WEll, it's gone and won't come back so we need more than ever the curation of a strong festival.
What else? I've done well in the past few years of keeping away from anything more than the bare details of festival pics. Synopses, concept, maybe director or other participant but no more. I've turned myself off too many only to find them well worth it later. Screen time is really the last obstacle. Then again, I was on the verge of skipping A Gentle creature for exceeding two hours of what I assumed was a lot of Dardennes grimness with a Russian accent but it proved a perfectly balanced final course to the festival.
It has become a little harder than it was but the only reason I've missed one since I started buying mini passes is the broken leg I had in 2012. Unless MIFF regresses to the mainstream lows of previous fests I'll be there, shivering in the rain outside the Forum, waking slowly up in front of the ads, craving a choctop and feeling the warm flow of images, sounds and notions rising.


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Jennifer Garner: Shopping with Samuel!
Jennifer Garner carries her adorable baby boy Samuel out and about while shopping for holiday presents on Wednesday (December 19) in Brentwood, Calif.
The 40-year-old actress carried out a huge shopping bag from the children's toy store!
PHOTOS: Check out the latest pics of Jennifer Garner
Earlier in the week, Jen and her oldest daughter Violet grabbed an early dinner together at Louise's.
Jennifer has been back and forth between California and New Orleans filming her latest film The Dallas Buyer's Club, due out in theaters next year.
FYI: Jennifer is wearing the Helena Quinn "Carolyn" coat.


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Availability: In stock
$150.00 Front Door Delivery
Due to the fact that the root of a teak tree is typically thrown away, these artisans have preserved the root to make a wonderful eco-friendly, statement piece in the living room. Both functional and dramatic, the Teak Bench is sure to be a conversation piece.
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Fill out the form below to receive free fabric swatches. You will
receive your swatches in approximately 5-9 business days.


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norris hung, designer & developer
My name is Norris and design is how I choose to make the world a better place. I strive to make better products and content through simplifying and humanizing. I have a special enthuasiasm for design thinking, typography, information design, and web development.
At Code for America, I worked on a content management system with the specific goal of helping city government delivery better digital services to their residents.
As an avid homebrewer frustrated with the quality of outdated brewing software out there, I set out to reinvent what modern software for brewers could look be.
Mindshare is a mobile/web app that helps you discover what your friends love reading online.
At Inkling, I built various tools to help team members do their jobs more easily. Traverser was a tool that helped editors proof links in digital books. Users could quickly navigate between links using keyboard shortcuts. This turned days worth of work to hours.
Poptip viewer is a tool that visualized every poptip (think interactive footnotes) in the book next to the term that it was associated with. This transformed a task that took an entire day to sometime that took less than an hour. This feature was so useful that it was eventually incorporated into Habitat, Inkling's publishing software.
I began this exploration after watching the Good Eggs video on Service Design. As one of the first touch points in the full user experience, the web experience sets the tone in terms of trust and confidence in the service. It plays an important part in shaping the users understanding this is not just another web store, it is a relationship with local farmers and food producers.
At Code for America, we built a template for a new type of city government website based on service delivery.
Frommer's brand travel guides are among the most respected in the world. At Inkling, we were approached to create the digital versions of their Day By Day series guidebooks. Over the course of 8 months, we created 14 digital guidebooks that included interactive maps, local weather dashboards, slideshows, and detailed place of interest poptips.
Gilroy's Atlas of Anatomy is a popular medical reference among doctors and students. When creating the digital version of this title, we thought intensely about how we could what interactivity would be helpful and how we could make this book responsive across different devices.
Frommer's brand travel guides are among the most respected in the world. At Inkling, we were approached to create the digital versions of their Day By Day series guidebooks. Over the course of 8 months, we created 14 digital guidebooks that included interactive maps, local weather dashboards, slideshows, and detailed place of interest poptips.
Many times, I find myself thinking about what the numbers actually are when reading about environmental claims. I've decided to start making information graphics illustrating answers to these questions. This first graphic follows the trail of industrially produced nitrogen and the inefficiencies in the process.
My research project at Brown University involves trying to dissect the inner-workings of human t-cells – the shepherds of our immune system. In addition to my role as a researcher in lab, I also helped develop a visual system to analyze and present our data.
In the final project of Information Design at RISD with Krzysztof Lenk, we were asked to keep track of how we used our time each day for roughly three months. The goal of the project was to present the information in a meaningful way – however we decided that would be.
Branding and bottle label system for Feats of Strength Brewing
As the resident designer of the first year of the Good Food Awards, I helped work on marketing materials, event signage, and the GFA web presence.


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After years of cuts, San Francisco Unified School District officials are proposing a budget for next year that would increase spending by about $25 million — in part because of Gov. Jerry Brown's budget proposal that will increase K-12 funding. Much of what happens next for the proposed $378 million budget depends on the state government.
Brown introduced a formula in January that would dramatically increase spending for historically disadvantaged students — low income and English-language learners — and give more control to school districts on how to spend the money. That plan, if approved by the Legislature, could begin as soon as this fall. It would phase in spending increases over the next seven years.
Brown's proposal faces opposition from Democrats and Republicans, who have said they hope to delay the implementation until the 2014-15 school year. Several lawmakers also want a funding formula that increases money to all schools, not just those with disadvantaged students.
The Los Angeles Times and The Sacramento Bee reported Monday that top state officials reached a deal to move Brown's proposal forward that would hand out more funding this coming school year
State lawmakers are expected to pass a budget by Saturday.
Until the budget is finalized, the school district is working under Brown's May revise, which gave the district another $15 million, according to Myong Leigh, deputy superintendent of policy and operations.
"It's a huge relief," Leigh said of the funding increases. "It's been five or six years — there has been no acknowledgement from the biggest part of our budget from the state that schools have been trying to make ends meet in impossible ways."
In the proposed budget to be discussed by the Board of Education tonight, the amount of money that will be sent to each school would increase by 1.3 percent.
But the district will still spend more than it's taking in next year.
In the proposed budget, San Francisco schools will spend $378 million to fund programs, though incoming funds only total $360 million.
The difference won't hurt the district's bottom line since there was enough money left over from this year's budget to cover expenses, Leigh said. The spending won't be able to go on that way for long.
"A general expectation is that funding for schools will increase over the next few years," Leigh said. "And we really hope that is true because we can't continue to have our expenses surpass our revenues because we won't have the additional funds — we have to make them balanced."


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Contact Us
Tel: +44 (0) 1420 88269
St Mary's Hall Bed and Breakfast,
By Train
Alton is just over an hour from London Waterloo, on a direct Southwest trains service. Trains run every 30 minutes or so throughout the day and late into the evening. Alton train station is also the starting point for heritage steam railway, The Watercress Line (also known as The Mid-Hants railway) which runs through rolling Hampshire countryside to the pretty town of Alresford.
On arrival at Alton station, there is a taxi rank outside and taxi office to the left of the exit. Or you can walk to St Marys Hall in about 15-20 minutes, by crossing the car park, heading diagonally left across the car park and walking up to the High Street. Continue left through the main shopping area, past the BP garage on your left and Albert Road is off right as you reach Butts Green (a large grassed triangle).
By Air
We've welcomed guests from over 40 countries to St Mary's Hall, many either on business or to visit The Jane Austen House Museum or Chawton House Library. Alton is accessible from London Heathrow, London Gatwick and Southampton Airport. Taxi and airport transfers can be arranged through a reliable service at very reasonable prices. Please contact us if you need assistance.
By Road
Alton, Hampshire is about 35 miles south west of London and has excellent road connection whether you are travelling around London's M25, heading west along the M3 or A3... or heading east along the M4 or A303... or south along the M40 and A34.
The main A roads through the town are the A31 which connects with the A3, through Farnham and heads onto Winchester, and the A32 heading south to meet the A3 towards Portsmouth, or the A339 to Basingstoke and Reading. If you're arriving by car we have ample of-street parking at St Mary's Hall.


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Thousands of people gathered in Washington Saturday to mark the 40th anniversary of Martin Luther King's I Have a Dream speech, a defining moment in the struggle for civil rights and racial equality in the United States.
Forty years ago 250,000 people marched on Washington, calling the nation's attention to the injustice and discrimination black Americans faced because of the color of their skin.
Standing below the towering statue of the Lincoln Memorial, Dr. Martin Luther King delivered an eloquent call for equality at a time when blacks in the United States were banned from many public schools, forced to eat in separate restaurants and had to pay taxes and pass literacy tests to vote.
"I have a dream," said Martin Luther King. "That my four little children will one day live in a nation where they will not be judged by the color of their skin but by the content of their character. I have a dream today."
On the 40th anniversary of that famous speech people came to Washington to commemorate the historic day and to chart the future of the civil rights movement.
More than 100 organizations with a diverse mix of activists and causes gathered once again at the Lincoln Memorial, which pays tribute to Abraham Lincoln, the American president who abolished slavery.
Congressman John Lewis of Georgia, who is the only one of the main speakers at the original march still alive today, says Dr. King's speech helped bring about some of the most important social legislation in America's history.
"The words of Dr. King are as clear to me today as they were 40 years ago," he said. "Dr. King's words not only freed and liberated a people, they freed and liberated an entire nation."
A year after his original speech, Martin Luther King won the Nobel Peace Prize and the U.S. Congress passed the Civil Rights Act of 1964. The law made segregation in public places illegal, required employers to provide equal work opportunities and protected every American's right to vote.
In 1968 Dr. King was assassinated as he stood on the balcony of a motel room in Memphis, Tennessee.
Dr. King's widow, Coretta Scott King, called her husband's speech a "definitive and inspiring statement of the American dream."
"What Martin Luther King Jr. was speaking about on that day of dreams was the redemption of America's soul and how we could honor the long dishonored promise of our democracy," said Coretta King. "The I Have a Dream speech was not only an eloquent appeal for interracial brotherhood, but a cry for justice and an affirmation of nonviolence as a method for achieving needed social reforms."
The son of the civil rights leader, Martin Luther King III, says some of his father's dream has been realized, but 40 years after his famous speech more progress is still needed.
"We still have some obstacles to overcome," he said. "That is why we marched today because we have not created yet that freedom, justice and equality that Martin Luther King Jr. envisioned. But it can happen. We know that the journey of a thousand miles begins with the first steps. We are engaged in a 15-month mobilization registering and educating people so that they will vote. Registration with education creates participation."
Organizers say the 40th anniversary event will kick off a voter registration drive designed to bring millions of new people to the polls for the November 2004 presidential elections.


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The Acura TLX 2017 is a sedan passenger car produced by Honda Motor Co., Ltd. and sold under the Acura brand. Integrated successor model of Acura TL and Acura TSX. The Acura TLX prototype was announced at the North American International Auto Show in 2014, and the mass production model was announced at the New York Auto Show held in April 2014. TLX was began selling in the United States since August 2014, production is taking place in Marysville, Ohio .
The Acura TLX 2017 model, body's size is intermediate between Acura TSX and Acura TL, the wheelbase is the same as Acura TL, shortening the overhangs in front and behind, the total length is 9.3 cm shorter than Acura TL, which is more sporty. The total height is reduced by 0.2 in, the total width is reduced by 1 in, and the front area is reduced, so the CdA value is improved by 15% over TL. Although the indoor capacity reached 93.3 cu.ft from 98.2 cu ft of the predecessor TL, the tandem distance remains the same as the previous generation.
Design creates sporty by dynamically shaped fender arch, character line and hood design. Jewel eye LED headlamp which is the icon of Acura is equipped as standard. In the interior, the center console has an 8-inch upper information screen and a lower 7-inch On Demand Multi-Use Display (ODMD).
The grade is roughly divided into the following three, furthermore, an optional technology package is prepared, and in the V6 model, an advanced package can be selected.
Acura TLX 2017 Features
Acura TLX 2017 Advance packages are available only for technology packages and V6 models as optional packages. The technology package is equipped with Acura Navigation with 3D view, 10 speakers Acura / ELS Stuio premium audio system, Next Generation Acura Link etc. For safety equipment, FCW (Forward Collision Warning), LKAS (Lane Keep Assist System), LDW (Lane Departure Warning), BSI (Blind Spot Information), Rear Cross Traffic Monitor etc. are attached. The rear cross traffic monitor uses the BSI sensor mounted on the left and right on the rear with Acura for the first time and notifies the vehicle approaching from the left and right during backing. Work effectively at less than 5 km.
The Acura TLX 2017 Advance package is equipped with Acura for RDM (Road Departure Mitigation System). Using a monocular camera at the top of the windshield, search objects such as lanes, cat's eyes, etc. When judging that they are deviating from the lane, it will display alarm sounds and information on MID, and in some cases use a handle using LKAS Perform brake manipulation with assist and VSA to suppress lane departure.
The remote engine start function is also equipped with Acura for the first time. Furthermore, ACC (adaptive cruise control) with low speed follow-up function, CMBS (rear end collision damage reduction brake) + E pretensioner, front rear parking sensor, LED fog light, LED paddle light etc are prepared.
Acura TLX 2017 3.5L V6
Like the MDX, the 3.5 L direct injection engine generated 290 hp (216 kW) / 6200 rpm, 267 lb.ft. (362 N·m) / 4500 rpm. In the SH-AWD model, it corresponded to the idling stop anew. The 9-speed AT to be combined adopts ZF company's 9 HP planetary gear type AT. Gear selector is electronic switch type.
Acura TLX 2017 SH-AWD
SH-AWD became a new model, and the system weight was reduced by 25% by making hydraulic type from the conventional electromagnetic clutch type. One electric motor drives a pair of hydraulic pumps, and the ECU controls a linear solenoid valve to control the left and right clutch packs. Even with power performance, the Acura TLX 2017 model's rear overdrive has increased from 1.7% in the past to 2.7% at all times, and improved the effect of torque vectoring more.