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This article was posted by CrystalWind.ca.
The Lucky Penny
Category: Superstitions
"Find a penny, pick it up.
All day long, you'll have good luck."
This common rhyme refers to an old superstition, and like many superstitions, it has many variations and the reasoning behind those variations are also numerous. Reasons why finding pennies brings good luck range from early beliefs about where metal came from to the notion that money symbolizes power.
Bad things can happen to good people when they least expect it. As a result, people tend to fall back on ancient rituals that seem to stave off disaster. That is, they believe in superstitions. Many superstitions seem to revolve around the struggle between good and evil, and these rituals were designed to swing the balance onto the side of good.
Finding a penny and picking it up is a relatively new spin on an old superstition. Many years ago, people believed that metal was a gift from the gods, given to man for protection against evil. That developed into the notion that metal brings good luck. In fact, this idea is partially represented in the practice of hanging horseshoes over their doorways, wearing charm bracelets, and carrying good luck coins.
The old wives' tale of putting a penny in the shoe of a woman on her wedding day comes from a Victorian rhyme: "Something old, something new, something borrowed, something blue and a silver sixpence in your shoe." These superstitions were all requests for good luck for the bride. Perhaps because finding a penny was easier than finding a silver sixpence, people made a substitution. Now the saying concludes, "and a lucky penny in the shoe." The penny was intended to be worn in the shoe of the bride to ensure that the newly married couple would always have wealth. The tying of metal cans behind a newlywed couple's car is another version of the superstition that metal protects and brings wealth.
The saying, "Put a penny wrapped in paper, keep it to avoid your debtors," is another way that metal was thought to bring wealth.
Finding a penny is still considered good luck, but some variations of the old wives' tale includes the position of the penny. If the penny is found heads up, it brings good luck. If it is found heads down, it brings bad luck. If the finder gives it to a friend, he passes the luck on to someone else.
Lots of superstitions center around money. Almost all forms of currency have at least one superstition associated with them. The most common superstition heard today, with respect to the penny, is the rhyming verse: "Find a penny, pick it up, and all day long you'll have good luck." This may have originated in the rhyme: "Money on the floor, more at the door."
Penny superstitions also include:
- Carry a penny for luck.
- Tossing a penny overboard while traveling at sea will ensure a safe trip.
- Keeping a jar of pennies in the kitchen is good luck.
- If giving a gift of a purse or wallet to someone, put a penny in it for good luck. (With inflation, this superstition has now grown to a dollar bill!)
- Keep a coin in a baby's pram or crib and the baby will grow up to be healthy, wealthy and wise.
- Finding a penny means more money is coming your way.
- Putting the first penny you receive each day into your pocket will attract more throughout the day.
- Coins with holes in them are especially lucky.
- Tossing a penny when you have a problem will allow the fates to take care of the problem for you.
- Tossing a penny over your left shoulder, into a wishing well or body of water, while making a wish, will make your wish come true.
- Carrying three pennies around will bring you good luck.
- Place a penny in your shoe to bring good fortune and protection against want. It doesn't matter which shoe you put it in.
If you should find a penny face up, pick it up for a day of luck.
If you should find it face down, leave it lay on the ground.
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The sugar beet industry is poised to raise the stakes on Europe's reluctance to embrace genetically modified seed, with biotech seed in the pipeline which could raise yields by some 25%.
The failure by the European Union – where only one GM crop, a Monsanto corn variety, is cleared for cultivation – to clear any biotech sugar beet seed for clearance has not been issue for growers so far because of the marginal yield gains that would be achieved by using the varieties, said Professor Berward Marlander.
Beet yields, which in the top EU countries average 80 tonnes per hectare, and exceed 100 tonnes per hectare on many farms, "would be improved by perhaps 100 kilogrammes per hectare" by use of the existing generation of GM beet seed used in the US, Professor Marlander said.
In the US, virtually all beet is now planted with GM seed engineered for resistance to glyphosate herbicides, meaning that weeds can be sprayed off with damaging the crop.
"We do not have the same weed control problem in Europe, eastern Europe in particular, as in the US," he told the International Sugar Organization seminar in London.
Game changer
However, the next generation of sugar beet seed being developed, so-called "winter beet", will be more difficult to ignore, in standing to offer a step change in yield, of 20-30%.
Winter beet, being developed by seed groups including KWS and Syngenta, is designed for plantings in late summer, for harvesting the following summer, with its long growing season enhancing yields.
It is not possible to develop this characteristic through conventional seed technology, Professor Marlander, who works at German-based Institute of Sugar Beet Research, told Agrimoney.com.
The seed could be ready for approval process in five years, although Professor Marlander declined to comment on the likely progress of winter beet through the European Union clearance process.
Reforms loom
The issue of sugar beet yields will become particularly important for EU producers after 2017 reforms which will abolish output quotas and increase competition – meaning efficiency gains will be key to the sector's financial welfare.
In fact, beet growing is expected after the reforms to expand in the most efficient EU producing countries, such as France, the Netherlands and the UK, Professor Marlander said. The seminar also heard that existing GM seed had fostered an average annual increase of 0.55 tonnes per hectare in US sugar beet yields – 69% more than had been achieved by conventional technology.
The sugar produced from biotech beet was also at a molecular level no different to that produced from conventional seed, and environmentally preferable too, in meaning fewer herbicide applications and reduced use of machinery and fuel, Duane Grant, of the American Sugarbeet Growers Association, said.
However, he acknowledged a "small niche market" has developed for sugar produced from non-biotech crops.
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GMP stands for Good Manufacturing Practices.
The + stands for the integration of HACCP: Hazards, Analysis and Critical Control Points. The aim of GMP+ is to contribute to the production of safe food.
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State Archive for Dutch Architecture and Urban Planning
National Collection for Dutch Architecture and Urban Planning
Het Nieuwe Instituut manages 600 archives and collections of Dutch architects, urban planners, professional associations and educational institutions, comprising a total of some 4,000,000 documents.
Long may we live!
New housing for the elderly in the archives of Het Nieuwe Instituut
In the spring of 2015 architecture-history and art-history students from the VU University in Amsterdam conducted research in the archives of Het Nieuwe Instituut into the development of housing for the elderly in the Netherlands. The archive contains a cross section of designs from the past hundred years. The variety of material shows that housing for the elderly is strongly linked to political and emancipatory processes.


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The absence of a governing council has pushed the Management and the Academic Board of the University of Education, Winneba (UEW) to postpone indefinitely, its 2018/2019 students graduation ceremony.
The graduation ceremony to take place on their Winneba, Kumasi and Ashanti Mampong campuses was scheduled for Monday 22 July to Saturday, July 27.
However, the last Governing Council's tenure of office expired on Wednesday, July 17, 2019, putting a stop to the much-advertised ceremony.
According to the university, the prevailing circumstance is beyond their control but promises to get the government to work on setting up the new council.
"New dates for the Congregation shall be announced as soon as the Governing Council is reconstituted for the University,†the statement read.
Read: UEW 2019 graduation in 'danger'
Students who were unhappy with the change of plans, took to social media to share their opinion.
Since 2017, the University of Education, Winneba has been going through some turbulent times.
The controversy started when in 2017, the governing council of the University asked then Vice-Chancellor, Prof. Mawutor Avoke and four other top officials to step aside.
This was after one Supi Kofi Kwayera suspected to be a front for the MP for the area, Alexander Afenyo Markin, filed a complaint alleging financial and procurement irregularities against them.
Not long after that, the Supreme Court quashed a decision by the High Court in Winneba that found Prof. Avoke and another guilty of these procurement and other financial irregularities.
Prof. Avoke who had been demanding reinstatement after the Supreme Court ruling was replaced with the current Vice-Chancellor Prof. Anthony Afful-Broni.
Read: National Security warns UEW VC Afful Broni, others over tarnishing government image
The dust seemed to have been settling until the current Vice-Chancellor sacked three lecturers thought to be influential, for varying reasons including failing to cooperate with management and instituting legal action the school.
The MP for the area who fell-out with the Prof. Afful-Broni assured the public that the sacked lecturers would be reinstated but this was contradicted by the University Council.
Students went on a demonstration to register their displeasure over the dismissal of the lecturers.
The University Teachers Association of Ghana (UTAG) then demanded the removal of the Vice-Chancellor and the Chairman of the University's Council Prof. Nicholas Abakah accusing them of wrongfully promoting the latter.
Source: Myjoyonline.com


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Culinary Delights
Culinary Delights
13 July, 2022
Hosted by members of the group
Eight members of the group gather on the second Wednesday of every month to share food, conversation and laughter. This group is currently full, but a list is kept of interested persons to start a second group. Please enrol under "Food Experiences, Culinary Delights and Lunch with Friends" if you are interested.
Glyn Davies Room (Room 22)
42 Mabel Street
Room 22
Atherton, Qld 4883


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Fox Cities families prefer in-person teacher conferences
When I hear about parent-teacher conferences, I picture parents meeting with their child's teacher in aclassroom, talking for a little while about test scores, reading progress and the student's behavior in class.
That's how it's done in most Fox Cities schools, based on phone calls I made to a handful of districts last week.
That's not how it's done at Franklin High School, where officials eliminated in-person parent-teacher conference days. The Milwaukee Journal Sentinel reported that officials say the most efficient way for families and educators in the Milwaukee suburb to communicate is electronically.
Judy Baseman, an assistant superintendent for Appleton schools, said the district still does in-person conferences based on feedback from families.
"Anytime we have an opportunity to have our families come and visit the school and just see that environment, it sends a strong message to the kids that 'my family wants to see where I spend my days,'" Baseman said.
Conferences are not the only opportunity parents have to talk with their child's teacher, she said. Email and the online parent portal keep families and educators connected.
What do you think about parent-teacher conferences? Do you like them or want another option?
— Jen Zettel: 920-993-1000, ext. 539, or email@example.com; on Twitter @jenzettel


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Authors & Events
Authors & Events
Look Inside
Dec 03, 2019
Dec 03, 2019
Buy from Other Retailers:
Dec 03, 2019 | ISBN 9781611806601
Dec 03, 2019 | ISBN 9780834842441
An introduction to the Dharma for millennials by a young Tibetan lama.This unique and fresh presentation of Tibetan Buddhism provides all the tools a millennial needs to navigate the Buddhist path in a modern world. The twenty-five-year-old lama, Avikrita Vajra Sakya, was born and raised in America and now lives in a monastery in India, training in and teaching meditation and Buddhist philosophy to hundreds of monks and nuns. He has thousands of students all over the world, with over 100,000 people following him on Facebook. His style of writing is frank and open, hitting straight to the heart of young people's concerns for why they should bother with a spiritual path in the age of cell phones and shopping malls.There is no other book like this available that makes such a direct argument for being a twenty-first century Buddhist, whether you are living in Seattle or in a Himalayan hermitage. Fundamentally, we all have the same hang-ups and all equally have the potential to become buddhas ourselves by cultivating loving-kindness, compassion, and wisdom. And this book teaches readers to do just that.
"Wake Up to What Matters, a book by Khondung Avikrita Vajra Sakya Rinpoche of the Sakya Phuntsog family, elucidates many philosophical ideas and practices of Buddhism…in a contemporary, readable manner." —From the Foreword by H.H. the Fourteenth Dalai Lama"I am encouraged that Avikrita Vajra Rinpoche, at such a young age, is already reaching out to young, modern people in a language and style to which they can relate. My wish is that this basic introduction to the dharma will attract many such people to the path of awakening and that it will encourage them to go ever further and deeper with their practice and study. I am sure it is with this in mind that Avikrita Rinpoche's grandfather, H. H. Jigdal Dagchen Sakya, encouraged him to write this book. May Wake Up to What Matters bring great benefit to countless beings!"—Dzongsar Jamyang Khyentse"This thorough yet approachable treatise on Mahayana Buddhism will be invaluable reading for newcomers to the religion."—Publishers Weekly
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At present, the state has vigorously promoted building energy conservation, and central air-conditioning has become a huge force in the development of the building energy-saving service industry from now to 2015. The Ministry of Housing and Urban-Rural Development has initially identified nearly 40 cities across the country as key cities for energy-saving renovation of public buildings during the 12th Five-Year Plan period. The demand for the entire central air-conditioning industrial chain is strong, and the air-conditioning end industry has also developed rapidly. It is understood that the tuyere equipment has an important impact on the indoor environmental quality generated by central air-conditioning. In order to enhance the understanding of the outlet enterprises and promote exchanges within the industry, on May 17, 2012, Zhou Na (Ms. Leading the representative of HC Air Conditioning Refrigeration Network to visit Zhaoqing Grandaire Air Conditioning Equipment Co., Ltd. Lin Jiazhen, general manager of Zhaoqing Grandaire, kindly received Ms. Zhou Na, general manager of HC Network South China Region and a representative of HC Air Conditioning Refrigeration Network.
As a professional central air-conditioning equipment company integrating design, development, production and sales, Zhaoqing Grandaire is located in the national high-tech industrial development zone - Zhaoqing High-tech Industrial Park. The geographical environment is unique: only 40 minutes from Guangzhou Expressway. By car, it is only 8 km from Sihui Mafang Container Port.
Mr. Lin introduced: "Grandaire has been focusing on the production of central air-conditioning equipment accessories for more than 20 years. The plant area is more than 25,000 square meters, with more than 300 skilled production and technical workers, "high-quality products and accurate and timely delivery" It has a good reputation in the same industry. The products currently cover major European and American countries including the United States, Canada, the United Kingdom, Italy, France, Belgium, Spain, Australia and Israel, with annual export sales of more than 10 million US dollars."
Grandaire has a variety of advanced production equipment, including various types of stamping equipment, automatic spraying production lines, automatic feeding lines and other mechanical processing equipment, as well as the mold shop with the most advanced equipment. Equipment includes CNC CNC machining center, EDM spark machine, advanced wire cutting machine, large water grinder, milling machine and other equipment. It has the ability to produce precision molds such as various hardware, metal die casting and injection molding. Grandaire has a professional technical team that integrates product design, development, mold design, production process improvement, quality inspection and management. There are 30 college graduates, including 16 undergraduate and doctoral degrees. The professional precision equipment and professional technical team and the perfect production management system have laid a solid foundation for better meeting the market demand and customer requirements.
In 2006, Gaudí Gaoqiu hike, purchased 25,000 square meters of industrial land in Zhaoqing High-tech Zone, and invested wholly in the construction of new production bases. It has a production workshop of 16,000 square meters, an office building of 2,000 square meters, and a living facility of 3,500 square meters including canteens, dormitory and stadium. It plans to add more than 10 sets of advanced equipment, develop more similar products, add casting workshops, and increase the number of production workers to more than 300. It plans to produce 800,000 pieces of central air-conditioning equipment and accessories annually.
General Lin told the reporter: "Since winning the honorary title of "Best Air Conditioning Port Brand" in HC Network last year, we have become more aware of the importance of corporate social responsibility and put more emphasis on the value of people in the production process. Contribution to consumers, the environment, and society." Under the guidance of the concept of "independent innovation, casting brand", we believe in advanced equipment and technology, professional product design and manufacturing level, high efficiency production capacity, and good Pre-sales and after-sales service and the efficient media resource integration capabilities of HC Air Conditioning and Refrigeration Network, Gaudí will become the first brand of Chinese outlet enterprises!


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L'Oréal Professionnel Mythic Oil Shampoo for Normal to Fine Hair - 250ml
L'Oreal Professionnel Mythic Oil Shampoo for Normal to Fine, is a luxurious, caring and gentle shampoo, suitable for all hair types. Enriched with a very special combination of ginger essential oil, argan oil and with osmanthus extract oil, known for deeply cleansing, and providing suppleness to hair.
Produces a generous foam and revitalising feel for bouncy, healthy and super-smooth looking hair. This unctuous shampoo will leave your locks brilliantly conditioned with shine and softness.
Aqua / Water, Sodium Laureth Sulfate, Coco-Betaine, Cocamide Mipa, Sodium Chloride, Amodimethicone, Laureth-5 Carboxylic Acid, Ppg-5-Ceteth-20, Sodium Benzoate, Polyquaternium-10, Peg-60 Hydrogenated Castor Oil, Salicylic Acid, Peg-55 Propylene Glycol Oleate, Propylene Glycol, Hexyl Cinnamal, Benzyl, Salicylate, Benzyl Alcohol, Linalool, Limonene, Citronellol, Geraniol, Osmanthus Fragrans Flower Extract, Zingiber Officinale Root Oil/Ginger Root Oil, Sodium Acetate, Isopropyl Alcohol, Sodium Hydroxide, Citric Acid, Parfum / Fragrance.
Distribute a small amount evenly through wet hair. Massage into the scalp for two minutes. Rinse thoroughly.


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Source: SproutSocial.com
Your Twitter profile photo is the main image that represents you or your brand across the network. It's going to be seen across the site in a number of places by a number of people so make sure it's of the highest quality.
On Your Page: The largest display of your profile picture is on your homepage and can be viewed by your followers as well as individuals who stumble upon your page.
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Who to Follow: Your profile picture is also going to appear next to a link to your page in the "Who to follow" box. This is located directly to the right of your twitter stream. Choose a recognizable image here.
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If you have just been in a Colorado car accident, it is crucial that you receive immediate medical treatment. But treatment can often be expensive, especially when your injuries are serious. Depending on how long you have to get treatment for, the bills can pile up extremely fast.
One pressing question that is likely to be going through your mind during the period is: who will pay for all these medical bills? There's no need to worry though, as you are entitled to compensation from the party that caused the injuries to you.
With the aid of the competent lawyers at Malman Law Firm, your path towards recovering compensation is much more assured. We will also help you plan what strategies to adopt in paying off your medical bills before you secure compensation.
In this article, you will learn what is involved in paying off your medical bills after a Colorado car accident and how you can go about it.
Recovering compensation after a Colorado car accident
The task of recovering compensation is not always straightforward. You will first be expected to prove that the other party was at fault for the accident and that they caused your injuries.
After providing this proof, you then need to show that you are entitled to compensation from them. In showing this, you would also need to establish the money sums you feel you are entitled to.
Once you have proved these, you can look forward to recovering compensation from the at-fault party or their insurer. The compensation you recover will ordinarily cover the cost of your medical bills, lost wages and even pain or suffering in some cases.
The problem, however, is that the at-fault party may refuse to accept liability for the accident. They may insist that the case go on trial and if it does, you may have to wait months or even years for resolution.
Even if they accept fault, their insurer may dispute your claim and try to show that you should not be entitled to the amounts you are seeking. All of this can serve to slow down the process of compensation.
In the meantime, your medical bills keep piling up and in some cases, you will be required to pay up or risk the bills going to collections.
What happens before you secure compensation?
While the at-fault party is ultimately responsible for compensating you for your injuries, in practice, that compensation will come a bit further down the line.
At the outset, you will have to look to other sources to foot your medical bills. You will only be reimbursed for those expenses after compensation is secured. In any case, the at-fault party's insurer will hardly take responsibility for paying your bills after every doctor appointment.
They will much rather pay a lump sum that covers all your treatment expenses. This sum is rarely determined until you have had a few appointments and have a clear idea of how much your full rehabilitation will cost.
In the meantime, you can generally look to the following sources for payment of your medical bills:
Private health insurance
If you have personal health insurance such as insurance obtained through an employer, you can draw your expenses from there. This insurance will also typically take care of your emergency medical treatment costs in the immediate aftermath of your accident.
The advantage of private insurance is the medical provider will be unable to charge you more than the contracted rate. Apart from this, for plans beginning in 2014 and later, you can enjoy the prohibition of a lifetime maximum or yearly cap on payouts under the Affordable Care Act.
Government health insurance
Government health insurance such as Medicare, Medi-Cal or the Children's Health Insurance Program can help to pay your bills. You can take advantage of discounted rates if you are using any of these health programs.
You may however need to check to ensure that the insurance covers the range of treatments you will be needing.
Colorado Auto Insurance (Med-Pay)
This is optional auto insurance that takes care of your medical expenses regardless of fault. You often have to elect it and then pay a separate premium at agreed intervals.
But if you have Med-Pay, your insurer will be obligated to cover your medical expenses up to the limit you have selected. It is typically $5,000.00 but we have seen as high as $100,000.00.
What if you do not have Med-Pay or health insurance?
If you do not have health insurance or Med-Pay, you may be required to pay your medical expenses out of pocket. Although Colorado law requires hospitals to negotiate discounts and reasonable pricing with qualifying individuals, the bill will be entirely on you.
Another possible alternative you can explore is approaching health providers that will be willing to work on a medical lien. The medical lien basically means the provider will be willing to delay payment until you resolve your case. At which time they will be paid from the settlement.
The downside to this though is that the providers will charge their full rates for treatment provided under the lien.
What happens if the amount you eventually recover is less than your medical bills?
It is possible that the amount you eventually receive as compensation is less than your actual medical expenses. This may occur due to some confusion as to the meaning of "reasonable expenses".
Ordinarily, you should receive compensation up to the amount that you actually paid for treatment, plus damages for pain and suffering. However, some courts have held that "reasonable" means what health insurance would pay, and not what was actually paid.
Of course, this can be an inconvenience. But our lawyers are very experienced in this area of law. We are capable of ensuring that you get absolute fair compensation for your injuries. We may also be able to help you secure access to reasonable medical treatment.
Our primary goal is to ensure that your medical bills are comfortably settled and you have enough to pocket for your pain and suffering.
The right of subrogation
Keep in mind that if your medical bills are paid by your insurance company, they will usually reserve the right to recover those amounts. This may not apply to med-pay though as new Colorado laws state that insurers do not have the right to be reimbursed in this regard. In other cases, they will normally seek reimbursement from whatever you actually recover as compensation.
Although, this right only applies if you recover money from the at-fault party. In other cases, the insurer may reserve the right to "step into your shoes" and sue for compensation in your place.
While this may seem convenient, remember that the insurance company is looking out for its interests, not yours. So it is still prudent to have your own attorney looking out for you.
Get in touch with us
At Malman Law Firm, we understand the difficulty that car accidents bring and the inconvenience of medical bills. This is why we fight aggressively to ensure that our clients win fair compensation.
We will not collect a cent from you unless you win. And as a mark of courtesy, we will take care of any property damage you suffered up to a limit.
Our major focus is to ensure that you come out of a forgettable event with the compensation you deserve. Call us on (303) 733-7900 or click here to book a free no-obligation consultation today.


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What's Possible with 5G Wireless Networks
Trailblazer: Fabian Battaglia, CEO of Mobix Labs.
The trail he's blazing: Creating the build blocks necessary to make the next generation of wireless products possible.
The below article is a summary of the Podcast Interview.
What if you were suddenly in a car accident that caused you life threatening injuries. And the medical help needed to save your life isn't close enough to help. Advanced technologies like Augmented Reality (AR) now make it possible for a primary care physician to help from many miles away. But the physics of transmitting and receiving these wireless signals can be challenging, says Fabian Battaglia, CEO of Mobix Labs.
His firm provides the silicone chips connected to the antennas that enable the rapid transmission and processing of signals. "You'll see acceleration of 5G at these higher frequencies starting in 2022," he added. In this interview, Fabian provides a few examples of what's already possible.
Q - What is 5G?
A - 5G networks are the next sequential generation from 4G. One G was when we first got cell phones and could speak. Then we could text, send emails and video. Each generation has given us increased capability. But each generation has required increased bandwidth to support those applications.
What we have today is 4G, or 4G LTE (Long-Term Evolution). You see 5G advertised by companies like Verizon. You can't watch anything on TV these days without catching a 5G commercial. But the speed capabilities of 5G need to be defined. 5G today is what's known as Sub-6 GHz (Gigahertz). This is only incrementally better than what we have with 4G LTE.
" What's coming is the infrastructure to support these higher frequencies."
This does not capture the full promise or capability of 5G. You often hear 5G referred to as millimeter wave. This the 24 to 44 GHz spectrum. This is far higher than the 6 GHz or what's called 5G today. If you turn on your iPhone, you might see a little 5G indicator. This is less than 6 GHz. It's not these higher frequencies.
What's coming is the infrastructure to support these higher frequencies. These are the 24 to 44 GHz frequencies. But the physics of transmitting and receiving these wireless signals can be challenging. At these rates you run into some physical challenges.
" It will cost more to have a network inside a factory or an office building."
It doesn't travel as far. It doesn't go through walls. It gets interrupted by weather and trees. Any obstruction impedes the signal. This shortens the distance that you can operate from receiver to transmitter. Only advanced technology is reliable enough to process those signals at those rates.
It will cost more to have a network inside a factory or an office building. Or, if it's used outdoors by the general public. Municipalities will need to spend a lot of money on infrastructure. That is, if they want to support 5G at these higher frequencies.
Q - What new innovations will 5G enable?
A - There will be a lot of use cases. Some we can't even think of now. These will evolve once we get critical mass of this technology. Some of the more obvious ones are going to be autonomous vehicles. That's going to take a lot of data and what's called low latency capabilities.
This is where the rapid transmission and processing of signals is critical. Safety and reliability will be of great concern. For communications in general, you'll be able to download movies on your phone in a fraction of the time you do now.
" AR and VR are helping burn victims through their rehabilitation process."
The bandwidth we have now with 4G LTE or Sub-6 GHz 5G is getting crowded and saturated. We have to increase the pipe, and that's what the higher frequencies are going to be able to allow us to do.
Then there are going to be technologies like AR (Augmented Reality) and VR (Virtual Reality). There are some outstanding applications and use cases. A friend of mine who supports children's hospitals was telling me a story about how AR and VR are helping burn victims though their rehabilitation process.
They put the patients in shallow pools, and give them technology to create the sensation they are swimming with dolphins. This allows children to stretch, which is very painful in burn victims. Those are the types of applications higher 5G frequencies will enable. You'll be free of the heavy cables that you have today in those type of applications.
"There's going to be holographic applications. These are pretty cool."
Then there's going to be holographic applications. My first experience was at a museum. It had James Earl Jones in the form of a holographic image giving you an introduction. There twenty to thirty people in this room, but it's as if he was there with you.
That's very data intensive. It will need support from advanced technology. There'll be other applications for the way we educate and entertain ourselves, too. Imagine yourself being put into a sporting event such as a football game. These higher frequencies enable some pretty cool and entertaining capabilities.
Q - When will 5G be commonly available?
A - You're now seeing it starting to find its way. Experts predicted that the 4G LTE pipe was going to be at its limits within two to three years. And that was pre-Covid-19.
" You'll see acceleration of 5G at these higher frequencies starting in 2022."
Now with all the video conferencing we're doing, there's more pressure on bandwidth caused by all the learning and communicating. You'll see acceleration of 5G at these higher frequencies starting in 2022.
Q - Where does Mobix Labs come in?
A - We're involved in what's called the front end. This refers to the silicone chips connected to the antenna. Our devices transmit and receive the millimeter wave signals from the antenna. We process them so that a processor can then digitally act upon those signals.
" We're doing our part to have the best cost performance ratio."
That's a complex signal chain. It's important in the 5G space to be able to do that reliably and cost effectively. The associated cost to that application is significant. We're doing our part to have the best cost performance ratio, or solution to the problem. So, we fit in that chain or channel between a processor and the antenna.
Q - What devices will Mobix Labs enable?
A - We first are going to be approaching the infrastructure market. By infrastructure, I'm referring to small cells or repeaters. These are sometimes called access points. We fit into the infrastructure that will provide millimeter wave solutions.
We also looking at IoT type applications. This could be anything from a laptops or TV, to an appliance that you connect to the Internet. We would be able to support those applications, but those will become more opportunistic. Our focus is infrastructure.
Lastly, there are handsets. Being a new company, we need to cut our teeth on other applications first. Then we'll consider mega-volume applications such as handsets. We can support them outside of Apple or Samsung on smaller volume handsets. And we could be a very attractive solution for them.
Q - What's the latest news from Mobix Labs?
A - We have completed a funding round. We're proud of the fact that it was very well received. And we closed it sooner than we had anticipated. We raised 12.5 million dollars since we started our seed round which dates back to August of 2020.
We had to close it earlier than anticipated because we didn't want to over subscribe it at this point. We are going to be sampling product sometime in March or April 2021. We've also developed some antenna products we're excited about.
"Our board includes Jim Peterson, former chairman and CEO of Microsemi."
We've completed our Board of Directors which includes Jim Peterson, former chairman and CEO of Microsemi. We've also added David Aldridge who is current Chairman of Skyworks. And we've also added other CEOs who have been successful in the semiconductor industry.
We've also assembled an Advisory Board independent of our Board of Directors. Each member focuses on a functional department in the company. This includes R&D, finance, operations and sales. We're excited at the reception we've gotten from some of these industry leaders.
Learn about trailblazing entrepreneurs. Get podcast interviews sent to you by email. Subscribe at: TechnologyTrailblazers.Club.


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We take a look at the Fujifilm Instax SQ10, which enables you to preview images before printing them.
| Fujifilm Instax Square SQ10 in Compact Cameras
The Fujifilm Instax SQ10 is a first for Instax cameras - an instant camera with a built-in screen for reviewing your photos before you choose to print them. A hybrid between an instant camera and an instant printer, it takes the guess work out of instant photos. It's available for £246 with 10 shots of film. Here, we take a look at how it performs.
Fujifilm Instax SQ10 Features
The Instax SQ10 sports a 1/4 inch CMOS sensor with 1920x1920 pixels. It has a fixed aperture of f/2.4, making it a relatively bright lens. There are no manual camera settings but there is an ISO range of 100 to 1600 and shutter speed of 1/29,500 sec to 1/2 sec which the camera will choose automatically depending on the nature of the shot.
The camera can focus as close as 10cm to infinity. There are several different flash settings and standard, double exposure and bulb shooting modes to choose from.
The camera is quite chunky, measuring 119mmx47mmx127mm (WxDxH). Around the lens on the front is a metal disk with a serrated edge - turning this turns the camera on and off. Around this, there is a rubberised dip for gripping and on either side of this are the dual shutter buttons. Above these in the centre is the flash. There are several flash options available including auto, forced flash, suppressed flash, slow synchro, red eye & slow. There are also self-timer options of 2 seconds and 10 seconds.
On the back is a 3 inch LCD monitor, with 460K dots, and underneath this is the control dial. There is a central button for selecting and a scroll wheel for going through your options. Surrounding this are 6 buttons, letting you access options for filters, vignette and exposure, see images you've already taken, print the image you've just taken and go back. On the screen, you can see the mode you've selected on the left (Manual or Auto print), and on the right are a series of dots showing you how many photos you have left to print.
Film is loaded from the back by pressing down the small button and sliding the catch to release the door. On the left-hand side is the auto/manual switch. Auto mode will print out images instantly as soon as you take them while manual mode allows you to just take images and go through the menu to tweak them and print later if you want. Also on this side is the battery compartment.
On the right-hand side, there is a compartment for a MicroSD card - the camera can hold 50 images without one, but if you want to save the images to a PC it's not possible to do this via the cable so MicroSD use will be necessary and charging dock. On the top is where the film feeds out of and on the bottom is a tripod mount.
There are 10 filters available, including monochrome, sepia, marmalade and Highline. These can be previewed before you take an image, and they can also be added after you take a photo too. There are also brightness and vignette controls with various strength options which can be applied before or after capture too.
A half press of either shutter button focuses the image and a firm press captures it.
Key Features
- f/2.4 28.5mm equivalent lens
- Prints square format instant images
- Review your images before printing
- Several filters / image modifications available
- 10 sheets per film pack
- Dual shutter buttons
- Bulb and dual exposure modes available
- Rechargeable Lithium-ion battery
- MicroSD card slot to increase storage
Fujifilm Instax SQ10 Handling
The Fuji Instax SQ10 is a chunky camera and because of the dual shutter buttons, is laid out ergonomically. You feel a little childish holding the camera with both hands - the styling is a little junior, however, everything is easy to operate.
It's easy to figure out the menu options and having the scroll wheel to choose filters and effects is a nice touch. One niggle we had was figuring out how to return to the shooting screen once you have finished looking through your saved images, as the expected method of pressing the back button or simply pressing the image preview again doesn't work. It took us a while to figure out that in fact pressing the shutter button returns you to the shooting screen, which makes sense but it would also be nice to be able to return to this screen by pressing the back button.
The ability to be able to switch off automatic printing of images is a really nice feature and I found it especially useful when experimenting with double exposures, which can often turn out messy when taken ad hoc.
You can either add filters before taking an image or experiment with them after, to see which one suits an image best. Once printed, images take about 5 minutes to develop.
The camera weighs 450g, which is a fair weight but taking into account the mechanism this needs to print images and the screen and metal front, this isn't too bad.
Fujifilm Instax SQ10 Performance
Images are printed quickly, in 12 seconds to be exact, and when developed, have a rich and vibrant colours, depending on the filter you apply of course. There are a huge variety of different exposures that you can apply - when printed these are true to what you see on screen if a little richer.
When photographing in high contrast situations, the camera is liable to blow out the light background and some highlights can appear blown too. However, this adds to the retro feel of the images.
Image size comparison - Instax Wide photos measure108x86mm, Instax Square photos measure 86x72mm and Instax Mini photos measure 54x86mm.
Here is a sample gallery of images from the camera, if a MicroSD card is used then they can simply be saved to your PC. Images can only be saved in their original state, without filters or effects applied.
Fujifilm Instax SQ10 Sample Photos
The camera feels well built despite being plastic and the pre-focus and full press of the shutter button is satisfying.
The screen is bright and has a satisfying resolution. It's large enough to allow you to preview images easily. It would be nice if the screen was a square format like the images, as at present it has two greyed out strips down either side to emulate this.
The battery takes 4 hours or so to charge and this should give you enough juice to produce 160 prints, depending on the conditions of use.
Value For Money
The Fujifilm Instax SQ10 is available for £235 from Amazon. This is quite a high price for an instant camera, however, if you love taking selfies, want the square format and want the ability to check your images before you send them to print, it's quite a unique product currently. Square format Instax film is available at £8.99 for a pack of 10, which is on the high side compared to £13.89 for 20 shots of Instax Mini film.
Another instant camera featuring a screen is the Polaroid Snap Touch, available for £159.99. It also captures video but only prints 2x3 inch Zink paper photos, which are flimsy.
If you already have photos on your phone that you'd like to transform into instant cameras then the Instax Share SP-2 printer is an option, allowing you to print smartphone images via an app onto credit card size instant snaps. It's available for £142.99.
If seeing your images before printing them isn't a priority, then there are a wealth of other Instant cameras available. Take a look at our Top 7 Best Instant Cameras for some inspiration.
Fujifilm Instax SQ10 Verdict
The Fujifilm Instax SQ10 fills a niche in the instant camera market - being able to see your images and apply filters to them before hitting print. If you love the square format and the ability to add filters to your images without having to use an app on your smartphone, then the camera is an ideal tool. It will be great for kids, teens and adults alike who may not want the fuss of connecting a printer to a smartphone and want a portable, all in one package.
The camera is quite large but will happily fit in a large handbag or rucksack for a day trip without too much trouble. Results are pleasing and the square format has a real retro feel that we love. Being able to add filters and effects adds a new layer to the fun. Despite being bulky and having a slightly odd navigation system (having to press the shutter button, not back or play buttons again to return to the shooting screen), we enjoyed using the camera and found it great for unleashing our creative side without too much fuss.
It would be nice to be able to make more of the digital side of this interesting hybrid, perhaps by introducing Wi-Fi or Bluetooth to enable you to share photos digitally and also print photos from these platforms.
The ability to be able to preview images also allows you to be more choosy with what you print, allowing you to conserve film and avoid printing out dud images, which can be a waste especially when square format Instax film works out at 89p per print!
Fujifilm Instax SQ10 Pros
- Preview photos before printing
- Plenty of built in effects
- Vibrant photos
- Quick and simple to use
Fujifilm Instax SQ10 Cons
- Expensive
- Bulky
- Playback menu system takes some getting used to
- No Bluetooth, Wi-Fi or connectivity features
Fujifilm Instax SQ10 Specifications
|Max Aperture
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|35mm equivalent
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|LCD Monitor
|LCD Monitor
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|Touch Screen
|No Data
|Min Focus
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|Focusing modes
|Exposure Control
|Shutter speeds shortest
|Shutter speeds longest
|Bulb mode
|Exp modes
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|100 - 1600
|White balance
|Exposure Comp
|Shooting Options
|Continuous shooting
|Movie mode
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|Rechargeable Lithium Ion (NP-50) battery
|Battery Life (CIPA rating)
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|No Data
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Over 50 eagles found dead from a new disease in Arkansas in the late 1990s mystified wildlife ecologists. More than two decades later, scientists believe they have discovered the source of vacuolar myelinopathy, now referred to as "the eagle killer."
Vacuolar myelinopathy is a neurological disease most commonly seen in bird species such as eagles and coots. The brains of the infected organisms develop lesions in the white matter of the nervous system, causing a loss of motor function. Mortuary circles call this "Swiss cheese brain."
From its first recorded instance near DeGray Lake in Arkansas during the winter of 1994-1995, researchers, including aquatic scientist Susan Wilde, conducted field and laboratory studies to determine how species contract this disease. Through laboratory and field experimentation, Wilde and her team have recently concluded that a toxin produced by cyanobacteria is growing on invasive plant species within water bodies in the southeastern United States.
Wilde, an associate professor at the University of Georgia, worked with an international team from various scientific backgrounds. Their findings, published in Science, discovered the epiphytic cyanobacteria (Aetokthonos hydrillicola) grow on Hydrilla verticillata, a non-native plant species found in bodies of water. Wildlife, such as fish, birds, and amphibians, eat these plants and consume the neurotoxin that leads to vacuolar myelinopathy.
Vacuolar myelinopathy is not limited to the waterfowl that feed on these plants, explained Anton J. Reiner, a professor of anatomy and neurobiology at the University of Tennessee Health Science Center.
"It's not a uniquely avian brain disease. It winds up looking like a uniquely avian brain disease because you have to consume a lot of it," said Reiner.
Vacuolar myelinopathy also affects fish and amphibians that end up eating these cyanobacteria-infected invasive plants. Fish, amphibians and waterfowl that feed on Hydrilla become infected with vacuolar myelinopathy. Higher-level predators such as coots and eagles consume the smaller animals, thus continuing the spread of the disease throughout the entire food web.
"So-called 'apex predators' like eagles, for example, wind up being especially susceptible to [vacuolar myelinopathy] because of their diet,"Reiner said.
The disease manifests approximately five days after exposure when clinical signs of loss of motor control function become visible in avian species like eagles and coots. Infected coots will float on the surface of the water on their backs and spin in circles, making them easy prey for eagles and other large avian predators. Infected eagles will sit on tree branches with their wings drooping downward. According to Reiner, there are instances of eagles flying into the sides of mountains while infected with vacuolar myelinopathy.
"Every eagle I've ever seen with symptoms [of vacuolar myelinopathy] has died," said William Bowerman, professor and chair of the Department of Environmental Science & Technology at the University of Maryland.
Bowerman is a long-time collaborator of Wilde's on vacuolar myelinopathy, and his current research revolves around eagles as indicators of climate change and contaminants around the Great Lakes. He explained that birds are quality gauges of how the environment responds to various stressors, so the conservation of avian species from vacuolar myelinopathy impacts everyone.
"[Vacuolar myelinopathy] killed tens of thousands of waterfowl and over 100 bald eagles. So, it's a new, emerging disease, and it could be linked to pollution and also may be somewhat of an indicator of climate change," said Bowerman.
Wilde and her team discuss spreading awareness and advocacy as a means to combat vacuolar myelinopathy in their recently published research. Early in the paper, they state that the shift from the previous name of the neurological disease, "avian vacuolar myelinopathy," to its current title "vacuolar myelinopathy" is necessary as it is not only limited to avian species. Wilde and her team state that they are not yet sure of the potential impact vacuolar myelinopathy has on humans and recommend that further research be conducted.
"We want people to know the lakes where this disease has been documented and to use caution in consuming birds and fish from these lakes," Wilde told the American Association for the Advancement of Science.
While there is still plenty of research to be done on vacuolar myelinopathy, Wilde and her team's discovery of the link between the cyanobacterial toxins and the lethal neurological disorder helps lie to rest the source of the perplexing avian deaths. Bowerman hopes that Wilde's work will serve as a reminder of the importance of conserving a clean environment.
"It's just important to understand that our organisms in the environment tell us what's going on," Bowerman said. "If the birds and the mammals are healthy, then people are healthy."


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The victim in Barcelona records the audio of the threats and presents it as evidence in court
Barcelona, ES, March 12, 2020 – CertifydocTM. The events took place on April 7, 2019 at the home of the victim who received a highly intimidating call. Final judgment of the Court of Instruction 20 of Barcelona n. 794/2019 **
After a few weeks of verbal discussions between the victim and an acquaintance about an alleged debt, the victim receives a call from a relative of the acquaintance. It doesn't take long for the dialogue to become intimidating and offensive, leaving the victim in fear.
The complainant used a common application on his mobile to record the conversation and once the call was finished, he certified it with Certifydoc.
The victim thus felt empowered and reassured when having to testify in front of the judge and the accused.
"We appreciate the possibility of contributing with new technologies to justice; highlighting the importance of presenting certified audios as digital evidence ", declares Mario Scalabrino, CEO of Certifydoc.
* About Certifydoc: Certifydoc is a web app that provides strong legal relevance to photos, videos, audio, email and all types of electronic documents. Qualified time stamping: date certain and integrity for digital evidence.
** Due to privacy issues, it is not allowed to reveal more details or names of people or places. The judgment has been published publicly in court and can be freely verified.
Mario Scalabrino
Latest posts by Mario Scalabrino (see all)
- From Distrust to Blockchain - 18/02/22
- Press release – EU Business School Lecture - 25/01/22
- Press release – Final judgment for a rental deposit claim with certified evidence from Certifydoc - 26/02/21
- Baffling facts about femicide statistics - 20/05/20
- Gender violence: an epidemic without a cure? - 04/05/20


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Petra Kvitova has lost to Anastasia Pavlyuchenkova in Brisbane before – can the world no. 7 avoid a repeat of that defeat as she takes on the Russian to begin her WTA Brisbane campaign and 2020 season on Tuesday?
Kvitova vs Pavlyuchenkova is live from Brisbane on Tuesday 7 January at 4pm local/6am GMT
This will be the eleventh meeting between Kvitova and Pavlyuchenkova in their careers, and the third time the two have played at the Brisbane International. Kvitova leads the head-to-head 6-4 (6-3 when only WTA meetings are taken into consideration), but the Czech lost the only match they have played in the past four years, defeated in three sets by Pavlyuchenkova in Wuhan in 2018.
It's a very tough first-round draw for Kvitova, but then, there aren't too many good ones in Brisbane, which always has a very good field. The 2020 edition had six of the WTA's top 10, including Kvitova, although former champion Elina Svitolina has already suffered a shock exit at the hands of Danielle Collins.
Champion in Brisbane in 2011, Kvitova hasn't been able to win back-to-back matches in two subsequent appearances and has generally fared better in Sydney in recent years, winning the title at the Apia International in 2015 and in 2019 when she beat Ashleigh Barty in a thrilling three-set final. Kvitova would, of course, go on to make the Australian Open final, finishing runner-up to Naomi Osaka, and picked up another title in Stuttgart in April as well as reaching the final of the Dubai Duty Free Tennis Championships.
But injury really derailed the rest of what was such a promising season for Kvitova, who finally – with her Australian Open run – seemed to have got over her Grand Slam yips of recent years. The Czech suffered a left hand injury which saw her pull out of the French Open, play just one grass-court event (Wimbledon, where she made the round of 16) and felt like it impacted the rest of the year, although she did make the semifinals of Wuhan and successfully qualify for the Shiseido WTA Finals Shenzhen, going 0-3 in the group.
It's been all upbeat updates from Kvitova during the off-season so hopefully the Czech's injury issues are behind her and she can concentrate on another great year. The pressure is immediately on, however, with so many points to defend over the next few weeks – and Pavlyuchenkova is not an easy first-round opponent.
One of the WTA's textbook dangerous floaters, Pavlyuchenkova has never really fulfilled her early promise but the 28-year-old Russian remains a real if inconsistent threat to top seeds; it's just difficult to predict when she will have one of her spasms of playing well. One of a handful of women to have made the quarterfinals at all four majors, although she has never gone beyond, Pavlyuchenkova has always played well in Australia: She made the quarterfinals of the Australian Open in 2017 and 2019, and was a Brisbane semifinalist in 2011 and runner-up to Serena Williams in 2012.
Whether it's the conditions or starting her season in a blaze of energy and good intentions, the Australian tennis summer does seem to suit Pavlyuchenkova – and the former world no. 13 did make a strong end to 2019, reaching finals in Osaka and Moscow although she lost those finals to Naomi Osaka and Belinda Bencic respectively.
Although Kvitova leads their overall head-to-head 6-3, it's a much more even 1-1 in Brisbane meetings – and Pavlyuchenkova, as aforementioned, won their only remotely recent match in three sets in Wuhan in 2018, a tournament where Kvitova is difficult to beat. I don't think Pavlyuchenkova is intimidated by Kvitova's power and pace of shot, in fact I think she rather likes it because lengthy rallies will be at a minimum; and the Russian, although her movement has always been an issue, is a tremendous ballstriker happy to go toe-to-toe with the Czech. If Pavlyuchenkova can play a good returning game to force Kvitova back on her heels right from the Czech's first serve, I think her chances are excellent of upsetting the world no. 7 in the latter's first match of 2019.


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Your donation helps support the work of a foundation that, for three decades, has worked continuously to reduce animal experimenting and introduce new alternative and complementary experimental methods that have since been internationally acknowledged and officially approved.
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Features Editor
The college experience is typically one spent away from home, but for the Donovan sisters, home will always be right down the hall.
Aislinn and Bethany Donovan are identical twins who say that Springfield College was an obvious decision because it was the only school they got into together.
At the beginning of this school year, the sisters moved into the same floor in International Hall to begin their second year together at Springfield. For most, it would be difficult to attend college with a sibling, but the Donovans say they could not imagine life otherwise.
Although in childhood they mirrored one another, Aislinn and Bethany say college is a different story.
Aislinn and Bethany grew up in Falmouth, Mass., a popular seaside destination on Cape Cod. The twins say they have always had an extremely close connection, even before they could speak.
"When we were one or two, our mom told us we spoke our own language; she had no idea what we were saying, but we could understand each other," said Aislinn.
The sisters did gymnastics, soccer and track together and dressed in unison until the first grade. The Donovans had similar friends all the way through high school at Falmouth High, where surprisingly, they were only one of six pairs of twins. After graduation, the sisters were faced with choosing a college, and the Donovans knew that separating would not be an option.
Independence is different for twins, and the Donovan sisters say their matching Springfield College acceptance letters were all they needed.
"A lot of the other twins from our high school went to different colleges at first, but now they are back together," said Aislinn.
"We didn't even think twice about going to different schools," said Bethany. "I think even living in different dorms would be hard," her sister added.
The Donovan sisters now share their independence at Springfield College. Aislinn and Bethany pursue their interests as individuals at SC, but at the same time, they manage to keep each other close by.
Bethany studies psychology and went to Pre-Camp without her sister during her freshman year. Aislinn studies athletic training, is a New Student Orientation leader and played soccer without her sister freshman year.
"We are not attached to the hip," said Aislinn. "We do a lot of things the same, but when we came here to Springfield, we did everything different."
On Saturday, the Donovan sisters' parents came to enjoy a day at Springfield College with their daughters for Friends and Family Weekend. Aislinn and Bethany say their mom and dad love the fact that the sisters share the same campus.
"They love it. They know that they can come visit us together and that we will always be here for each other," said Aislinn.
Sibling arguments are rare and brief, the sisters say, and they feel that sharing Springfield with a sibling makes the college experience even better.
"It is great always knowing each other is there, going through the same things together and sharing the best time of our lives with each other," said Aislinn.
When asked what the importance of family is, the Donovan twins answered with one word at the same time.
As they enjoy their remaining years on Alden Street, the sisters know that more difficult decisions await them after their next graduation, but Aislinn and Bethany say they have already talked about it.
"Oh, we're living together," said Bethany. "We have already talked about living on the same road, maybe getting an apartment together. Even a half-hour apart is so far," Aislinn added.
"Even ten minutes is far," her twin corrected.
Sean Seifert may be reached at email@example.com


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Alaska Subcontractor Insurance. As a 1099 subcontractor, one of the many questions you might have as it pertains to insurance is whether or not you truly need to purchase your own commercial insurance policies. The answer will vary.
In many instances, companies will not hire you if you do not carry subcontracting insurance; in other instances, companies will work with you as long as you signed paperwork and have a legal contract in place, stating if you do get injured (or if damage/loss ensues) they aren't liable. In many instances, the client (of a particular business that is considering contracting you) might also have liability requirements, and may not want to work with you if you do not have a Alaska subcontractor insurance policy in place.
Alaska subcontractor insurance protects your 1099 contracting business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
What Does A AK Subcontractor Insurance Policy Cover?
When you are comparing insurers and the different Alaska subcontractor insurance policy options offered, of course you want to know what you are paying for. What exactly is going to be covered/insured, when you choose a policy with a particular insurer? Some of the coverage options you can include when choosing this type of insurance policy are:
- General liability coverage to protect you against third part claims of bodily injury and property damage.
- Damage/loss of property or equipment.
- Injuries on the job site (as well as medical expenses).
You should also consider what type of work you are doing so you can decide if additional coverage might be required - like workers comp or umbrella excess liability. The truth of the matter is the level and types of coverage you choose will vary for each job and each client which hires you. So the only way to truly know what you need, is to compare policies and learn about coverage options, based upon the type of work you perform as a 1099 subcontractor.
How To Choose The Best Insurance Company
As is the case with any Alaska subcontractor insurance policy you would purchase, when deciding on the insurer for your subcontractors insurance policy, comparison shopping is key. You should:
- Compare liability levels and what is covered in the policy.
- Understand what exclusions are in place.
- Determine the value of the policy (injury, damage, loss, death, etc.)
- Understand what is covered (equipment, other contractors, vehicles, etc.)
It is wise to determine the level of protection both needed and required as a 1099 subcontractor. Additionally if the companies you are hired by require you to purchase a Alaska subcontractor insurance policy - you must also have at least the minimum amount of coverage which is required by those companies.
How To Choose The Best Fit AK Subcontractors Insurance
Business insurance policies are complex and even if the price is lower with one insurer, this doesn't mean jump on board and purchase with them. Your subcontracting insurance policy is only as good as the company that is writing it. How is their customer service? How fast can you get proof of insurance? It's important to choose a reliable insurer that has the coverages and limits you require.
So before you buy, make sure you ask relevant questions pertaining to your coverage:
- Am I fully protected if I am at fault?
- How long will it take until the policy claim is paid?
- What if loss/damage occurs due to the negligence of another party (and what if they aren't insured)?
Of course these are not all the questions or concerns you have but should be discussed with your broker prior to choosing the policy you are going to purchase. The more you learn about a policy, what you are covered for (and to what extent) the easier it is going to be for you to make the right decision when the time comes to choose an insurance policy as a 1099 subcontractor in the field.
Alaska Economic Data, Regulations And Limits On Commercial Insurance
If you're an entrepreneur who is thinking about starting a business in Alaska, it's important to have a basic understanding of the state's overall economy before you set up shop. Regardless of how high-quality the products and services you are planning on offering may be, if the location where you open your organization doesn't offer a target market that your products and services will appeal to, chances of success are slim. Furthermore, if a workforce isn't available to support your business, you'll have a hard time staying afloat.
With that said, it's important for business-minded individuals who are thinking about starting a company in Alaska to familiarize themselves with the state's economy; it's also a good idea to have an understanding of the commercial insurance requirements.
Following is an overview of economic trends and commercial insurance policies that business owners are required to carry in The Last Frontier.
Economic Trends For Business Owners In Alaska
According to the Bureau of Labor Statistics, the unemployment rate in Alaska was 6.1% in December of 2019. While that's significantly higher than the national unemployment rate, which was 3.4% in December, 2019, it's lower than it was one year prior, when the rate of unemployment was 6.5% in December of 2018. Though the workforce is growing slower than it is in other states, economists do predict that the rate will continue to decline in the coming years.
Despite Alaska's remoteness and cold climate, it's actually a great start to start a business. According to the Tax Foundation, Alaska is the second most tax-friendly state for business owners in the United States, as there's no individual income tax or state sales tax. Additionally, Alaska has the second highest rate of new business owners, as well as the second highest percentage of available employees (as per 2016).
As in most states, the best spots to start a business in Alaska are the state's biggest cities and the surrounding areas. This includes Anchorage, Juneau, and Fairbanks. Other key areas that are seeing a boost in business development in recent years include Homer, Sitka, Prudhoe Bay, and Ketchikan.
While there are several industries that are experiencing growth in The Last Frontier, specific sectors thrive more than others. Businesses that are related to the following industries are booming in AK:
- Fishing, which is also one of the largest contributors to the state's economy.
- Mining, which provides more than 4,500 jobs in Alaska.
- Petroleum, which is responsible for 34% of jobs in the state. In fact, Prudhoe Bay is North America's largest oil field.
- Tourism is the second largest private sector employer in the state. Each year, millions of people from around the globe travel to Alaska to marvel at the numerous natural wonders that can be found here.
Commercial Insurance Requirements In Alaska
The Alaska Division of Insurance regulates insurance in AK. Alaska mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Alaska requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
Alaska also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Carpentry
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- Handyman
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Landscaping
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Locksmith
- Oil And Gas Well Drilling Contractors
- Painters
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Plumbing
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Subcontractor
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.
Request a free Alaska Subcontractor insurance quote in Akutan, Alakanuk, Anchor Point, Anchorage, Badger, Barrow, Bear Creek, Bethel, Big Lake, Buffalo Soapstone, Butte, Chena Ridge, Chevak, Cohoe, College, Cordova, Craig, Delta Junction, Deltana, Denali Park, Diamond Ridge, Dillingham, Eielson AFB, Emmonak, Ester, Fairbanks, Farm Loop, Farmers Loop, Fishhook, Fritz Creek, Funny River, Gambell, Gateway, Goldstream, Haines, Healy, Homer, Hoonah, Hooper Bay, Houston, Juneau, Kalifornsky, Kasigluk, Kenai, Ketchikan, King Cove, Kipnuk, Klawock, Knik River, Knik-Fairview, Kodiak, Kodiak Station, Kotlik, Kotzebue, Kwethluk, Lakes, Lazy Mountain, Meadow Lakes, Metlakatla, Moose Creek, Mountain Village, Nikiski, Ninilchik, Nome, Noorvik, North Pole, Palmer, Petersburg, Pilot Station and Happy Valley, Point Hope, Point MacKenzie, Prudhoe Bay, Quinhagak, Ridgeway, Salamatof, Salcha, Sand Point, Savoonga, Selawik, Seward, Sitka, Skagway, Soldotna, Steele Creek, Sterling, Susitna North, Sutton-Alpine, Talkeetna, Tanaina, Togiak, Tok, Toksook Bay, Unalakleet, Unalaska, Valdez, Wasilla, Willow, Womens Bay, Wrangell, Yakutat and all other AK cities & Alaska counties near me in The Last Frontier.
Also find AK local small businesses by General Liability Class Code and learn about Alaska small business insurance requirements for general liability, business property, commercial auto & workers compensation including AK business insurance costs. Call us (907) 531-9001.


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These heart stud earrings have been handmade from earthenware clay imprinted with a geometric design and glazed in lilac tones
They are super sweet and can be worn on any occasion.
This pair is fitted with sterling silver posts and supportive hypoallergenic silicone backs.
Approximately 12mm across.
Presented mounted on a card inside a black gift box.
Due to the nature of the clay, each pair of earrings is unique in form and size.


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Many of us have experienced pain caused by others. The pain inflicted is deep. It stabs into your heart. It feels as if the heart is breaking into a million pieces.
We all experience such emotions when somebody betrays our trust or when expectations aren't fulfilled or simply when people hurt us. It becomes difficult to concentrate on work and social life. It disrupts our inner world. When we hold on to this emotional turmoil, relationships suffer. It isn't wrong, however, if it prevails for a longer period, can become a major problem.
So how do we free ourselves from this cycle of pain? When life hits us hard, there is nothing as effective as forgiveness for healing deep wounds. We all have our own terminology and reasoning for forgiveness. But we need to realize that forgiveness s the medicine that we need to heal ourselves.
Some may want to forgive, but wonder whether or not they truly can. Some may be forgiving by nature, and while some might just refuse to forgive. Forgiveness doesn't come easily; but is achievable. With time, patience and practice, this pragmatic craft can be imbibed.
Let us try to think of some ways in which we can integrate forgiveness into our lives.
1. Instead of blaming, take ownership of the situation
More often than not, we start assigning responsibility to others for whatever we are experiencing. It becomes easier for us to charge others for our misery. However, this can and should be avoided. If we start taking responsibility of our actions, we give ourselves an opportunity to learn from it.
The blame game provides an excuse to play the victim card. Instead of moving on, it acts like a magnet. It pulls us back to that situation again. If someone or something else is responsible in our mind, then we'll have to wait until they change for us to get better. Instead, we can work on ourselves and try to take control over what we have in hand.
By forgiving the person, we allow ourselves to move forward rather than preventing our own growth. We prevent someone else's mistake from becoming the sword hanging over our head.
2. Avoid holding grudges
The incident is over. The blame game is over. However, we're still feeling angry and frustrated over the same thing. This might be because we're still holding the resentment.
We might think how illogically the person behaved with us or how they argued unreasonably, so we might conclude our statement with 'I have the right to be angry when s/he behaves this way!' This feeling persists because we're unwilling to end that altercation with forgiveness. So when all of the yelling and screaming has gone, the time for calm comes. No storm lasts forever, this is the time to make peace.
3. Don't be judgemental
A great way to ruin relationships is by being judgemental towards others. When we stop judging the situation or the person, we understand different facets of them. By being a mere observer, it is possible to fathom the capriciousness of the situation.
We will find our way to inner peace if we seek it. With this sense of peace, we start extinguishing our resentments and grudges. We might have all the reasons to be judgemental towards the person or the situation; however, finding that one reason to substitute that feeling, would make us a happier and a peaceful person.
4. Accept what happened and move on
'How could s/he do this to me?', 'why me?'. Such questions are bound to enter our mind when we're hurt. However, these past hurts are not a part of our present reality, unless we allow them to be.
We must try to distract ourselves from such thoughts and supplant them with positive ones. It's important to understand that our association with some people is meant to be for a shorter period and with some for a longer period. Some teach us lessons and some offer their blessings. All of them are necessary. Let's embrace them, learn from them and move on.
5. Don't let ego barge in
Ego is a destroyer, be it relationships, work, or even oneself, it can come thrashing and break life into a million pieces. If we ever wonder whether or not to forgive, let's look back. Looking back will help us see what the person(s) meant to us.
Let's try to remember what the relationship meant to us. Sometimes, we resist to forgive because of our ego. We feel forgiving the other person would make us look smaller. We're scared of being taken for granted. Forgiving someone for something doesn't make us weak or fragile in any way. In fact, it makes us emotionally stronger and less dependent. Hence, whatever our situation might be, we must try to rationally think about it while putting aside our ego.
6. Don't live in the past, focus on the present
The single-most important reason for not being able to forgive is because we're living in the past. We assign a good portion of our time, energy and attention focus on the past mistakes and incidents. 'That one incident changed everything, I can't live the same way I used to before', such statements indicate that we're designating a great deal of responsibility and power to the past.
Does a lion ever cry over not getting enough attention? Does it sulk because someone was rude to it? No, it lives in the present as a creation of nature. So let's practice living in the moment by appreciating and learning from the people around us, rather than trying to make ourselves miserable by living in a prison of our own making.
Discussion Board
Why do we find it difficult to forgive?
How to handle life's frustrations: 7 techniques to deal with frustration.


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On Monday, the hype started with a press conference with the Swiss team. Fabian Cancellara is the red hot favourite to take out the time trial and maybe the road race as well…
Posted on Friday, October 1st, 2010 at 11:04 pm. Filed under: Cycling, Sport RSS 2.0 feed.
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How to Box In Place Correctly
Step 1
Stand sideways and keep your feet shoulder length apart. Begin hopping forward and backward.
Step 2
Keep your left fist up towards your chin and punch outwards with your right arm.
Step 3
Switch sides by putting your right fist up towards your chin and punch outwards with your left arm.
Boxing in Place Modifications
If you're unable to box in place, here a few modifications to try before giving up:
- Instead of extending your arms outwards, simply try running in place for a minute straight. This is a great cardio workout to do if you're unable to use your arms.
- Stand tall, bend your knees and bounce back and forth from side to side while keeping your arms up near your chest.
Fit Exercise Into Your Daily Routine
Have a favorite TV show? Maybe a favorite movie? Instead of sitting down while you watch, stand up in your living room and box in place!
Get Your Family Involved
Have a family member raise their hands and place them an arms stretched length in front of you. Use their palms as small punching bags and try to make contact with them each time you box in place. You can even have them move their palms in different areas to improve your aim and self-defense skills.
Motivations: Find an Accountability Partner
Find a family member, friend, or a co-worker to exercise with. Keeping each other accountable can help balance your enthusiasm towards working out. Your friend might be tired one day, but you can push them to succeed while you expect them to do the same for you.


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thread the needle, ever-so-carefully. make sure to notice, as the light hits your skin, because for one precious moment there… you're golden.
raise it to your lips. take a nice, deep breath in. my love, i know how it hurts, but it will be worth it in the end.
one looping stitch after the next. as the hours turn to days, let the sepia silence set in. watch closely as your opalescent smile reflects against the window, and the shuttershock sunrise starts creeping through; just like always.
cut off the thread, with some nice sharp scissors. and place your needle in the nice little mahogany box where it came from.
wipe the blood off your chin, before it stains your dress. just shake your head when they ask you what you've done.


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Old is gold. And obviously, being one of the oldest zoos in Malaysia means a lot. Established in 1928 by the late Johor King, Sultan Ibrahim Ibni Almarhum Sultan Abu Bakar, the medium-sized Johor zoo was handed over to the state government to manage in the 1960s.
Catch a glimpse of mighty lions, or play with the friendly elephants. Observe the huge, silent crocodiles from a safe distance, or stroll around the lake while admiring aquatic birds.
The Johor Zoo is open daily from 8am to 6pm. It gets crowded during public holidays and school holidays. The entrance fee is MYR2 for adults and MYR1 for children (prices subject to change).


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Delille, Jacques
Delille, Jacques
BORN 22 Jun 1738, Aigueperse, Auvergne - DIED 1 May 1813, Paris
GRAVE LOCATION Paris: Pčre Lachaise, Rue du Repos 16 (division 11, bosquet delille, X, 20)
Author of descrive poems in which things are hinted at instead of stated explicitly. He was educated at the College of Lisieux in Paris and became a teacher. In 1769 his translation of "Georgica" by Vergilius was published and Voltaire recommended him for the Académie française. He was soon elected, but the king opposed his admittance until 1774, stating he was too young.
In 1786 he travelled to Constantinople. He became a professor of Latin poetry at the Collčge de France. He lost his posessions during the French Revolution and moved to Saint-Dié-des-Vosges and then Switzerland, Germany and London, writing poetry wherever he lived. In 1802 he finally returned to Paris and resumed his professorship, although he was almost blind by that time. After his death his work was hardly read anymore.
Beyern, Bertrand, Guide des Cimetičres en France, Le Cherche Midi Éditeur, Paris, 1994
Winkler Prins Encyclopedie (editie 1909), 1909


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COVID-19-Related Disclosure Considerations for Upcoming Periodic SEC Reporting
The ongoing COVID-19 pandemic has resulted in unprecedented and rapidly evolving disruptions to public companies' businesses, financial condition, and results of operations, as well as broad-based economic dislocation and market volatility. Against this backdrop, companies face challenging and complex disclosure considerations.
The staff of the U.S. Securities and Exchange Commission ("SEC") has provided guidance to help clarify U.S. public companies' disclosure obligations. By adhering to SEC guidance and disclosure principles and anticipating scrutiny that may arise in the future with the benefit of hindsight, companies can manage their disclosure obligations to public investors.
In connection with upcoming periodic filings, public companies should evaluate their current business demands, filings deadlines, and disclosure obligations in light of the impact of the COVID-19 pandemic. Companies and those responsible for public reporting obligations should be proactive in addressing filing timelines and appropriate disclosure in response to the COVID-19 pandemic, consistent with the effective implementation of established disclosure controls.
Jones Day publications should not be construed as legal advice on any specific facts or circumstances. The contents are intended for general information purposes only and may not be quoted or referred to in any other publication or proceeding without the prior written consent of the Firm, to be given or withheld at our discretion. To request reprint permission for any of our publications, please use our "Contact Us" form, which can be found on our website at www.jonesday.com. The mailing of this publication is not intended to create, and receipt of it does not constitute, an attorney-client relationship. The views set forth herein are the personal views of the authors and do not necessarily reflect those of the Firm.


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Immaculate of Kasebuturanyi
September 2017
Immaculate with Clarisse
October 2016
Immaculate, Tuyrize, Sandrin, Denise, Emmanuel
October 2016
Preparing to cut grass
October 2016
Cutting grass for her cows
October 2016
Spreading manure on her rented field
October 2016
Sandrin playing kibariko, a version of hopscotch
October 2016
Preparing dinner
September 2017
Straight to business...
Immaculate recalls her childhood fondly. There was no struggle. Her parents provided all that she needed, and she never spent a night without food.
When I first met Immaculate in 2016 I noticed that she appeared relatively better off among the self-help group women. Her wrap looked just that little bit newer, her house was solid with three rooms and forming a small compound with her mother-in-law's house. She kept two cows in the compound and and with her husband cultivated a rented plot of land behind their house. The cows are on loan to Immaculate and her husband. Immaculate cuts grass for their feed and is allowed to use the manure. Manure is like gold: an essential ingredient to farming, it can double crop yields on a field.
However, with four children, Immaculate struggled provide what she took for granted as a child: a meal every night. Casual labouring work was hard to come find because she had a young baby and people were reluctant employ her. This meant they family had less money, less food, and Immaculate was finding breast feeding her baby difficult.
Immaculate was excited when she heard self-help groups were coming to her village Kasebuturanyi. She had friends who had had success with self-help groups, and she was excited to be able to join herself. Her biggest hope on joining was to borrow money from her group. Immaculate already had ideas on what she wanted to do with it: buy materials to brew sorghum beer; buy livestock for more manure; buy vegetables for sale at the local markets; and importantly, buy soap for herself and her family.
2017, a year later, and Immaculate has been busy using loans from her group to start small business activities. Her first loan was an exciting occasion, and Immaculate celebrated in the way she had hoped: "I bought soap to wash and clean myself up!"
Not all her projects have gone smoothly. eagles took the rabbits she bought with an early loan, but a pig has proved more durable and is providing valuable manure. Later it will be sold for a considerable profit. Immaculate is also buying vegetables and selling them in the local market and she now has health insurance for her family, something that she could not pay for in 2016.
Immaculate says that being in her self-help group has changed the way she sees herself. "I am confident about myself and am able to go out and spend time with others. We have become one person. We are able to trust each other and combine our efforts."
Her husband Emmanuel agrees with her and is happy that she has joined a self-help group, saying "she has changed a lot. The group has made her do things, she has got confidence. I hope she will be able to take me to another level."
Emmanuel has been so impressed with what he has seen from the women that he and other men in the village have organised their own savings and loan group.