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York is a brand of furnace marketed by York International Corporation. Originally founded in 1874 in York, Pennsylvania, the company originally manufactured ice machines and eventually transitioned to air conditioning.
How to Get the Best York Gas Furnace Prices?
York’s patented ClimaTrak technology allows for your York dealer to customize and set the motor in your furnace to work best in your current climate. This means that your furnace will be best suited for your own home. Whether you live in a humid climate, temperate or dry environment, the ClimaTrak Comfort System will ensure your furnace’s operating cycle is tailored to your liking and meets your home’s specific needs, wherever that may be. This also means that the Affinity series furnaces can provide sufficient heating in homes located just about anywhere.
Available in York’s high-efficient Affinity series is the use of an electronically commutated motor (ECM) that allows for the fan to change speeds gradually based on the heating demand. Unlike standard blower motors, the ECM works in tandem with York’s ClimaTrak Comfort System to better control humidity and keep noise to a minimum while also being incredibly energy efficient.
Like the ECM variable speed fan found in the Affinity series, York’s modulating burner design allows for continuous adjustments in the level of heat you need. These small increments help to better match your level of comfort and provide the perfect temperature for your home. Highly customizable, this design means you won’t need to constantly be adjusting your temperature to in your home—it will always be just right, the way you want it.
We need to set an equal baseline before we can list the prices for each York model. In this list, each furnace includes the same parameters: 70,000-75,000 btu with 1000 cfm blower which is proper for a mid-sized home of around 2,000 square feet, 10 year warranty exclude labor fee.
I like the fact that it has worked consistently well for the past four years and has very low maintenance costs. So far, I’ve only had to change the filters. The furnace also consumes very little gas and keeps the house warm. It is quiet and produces no noticeable noise. I would definitely buy the unit again and I recommend it to all my friends.
I purchased the unit at quite a fair price and hired a local installation company to do the honors. Two years down the line, I can gladly say that this one was one of my best purchases. I’ve never seen anything work so well. The unit keeps the house warm during winter; it barely produces any noise and consumes little gas. After the purchase, the gas bills went down by 30%. The installation guys advised me to do an annual inspection and cleaning of the unit. I did one last year that cost less than a hundred dollars.
I had one installed in my son’s house and the other in our home. The installation was done by a company that has been in operation for a long period . In less than two years, both of the units had the fan motors replaced. Although people kept suggesting that the problem was in installation, I just wondered how improper installation would cause a fan to fail.
We purchased this York furnace after the previous 20+ year-old, low efficiency furnace in my home finally gave out last October, 2017. I was looking forward to replacing it with a high efficiency and more quiet model, which is why I went with the more expensive York TM9V080C16MP11C, 96%, 2 stage, variable speed (ECM) model.
Once installed, the first problem was that it was so loud that it felt like being in the back seat of an old MD-80 jet airplane. This required adjusting down the speed of the motor as much as possible so that it was tolerable – but not quieter than the old unit I replaced. We were told that this would make it operate even more efficiently and we even replaced old return vents, and registers, plus cleaning of ducts, to try to minimize the noise, to no avail. I even replaced my thermostat with Nest model to better control the furnace settings.
After a year of use, looking at my gas usage history for the past three years, I see that the amount used has not changed at all, even though we had a very mild winter last year (Salt Lake City, UT). When looking at the weather adjusted usage, it shows a marked increase in gas consumption!
Trying to deal with York (Johnson Controls) has also been a waste of time. They offer no assistance at all and will throw the blame back on your home.
I am beyond disappointed and wish I had read reviews sooner. If you are looking for a new furnace stay away from York and Johnson Controls. Save yourself some grief.
I’ve not had any repairs done since the purchase, and I only need to change the filters twice every year. I recently hired a technician to take a look at the furnace and his response was that it was as good as new. I would recommend Janitrol standard gas furnaces to anyone in the market.
I purchased the unit less than three years ago, and I’m already regretting the purchase. The unit regularly shuts off during winter. I’ve to manually turn the switch on and off for it to work again. I wouldn’t buy another Janitrol even if they were the only dealers left out there.
Firstly, keep in mind that installation quality is always the most important thing for the gas furnace project. So never sacrifice contractor quality for lower price.
How many but’s needed for a 2200 sq ft home. Tm9v060 enough?
There are a lot of other factors that go into determining btu ratings. Basement 2-3 stories, what percentage of furnace do you want. A 90% is more efficient than an 80% and requires less btu’s to do the job.

industry_corpus2: Manufacturing


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H700TT with dual embedded CAT6 LTE 4G modems for two simultaneous 4G connections with hot swap failover or load balancing with Gigabit Ethernet and dual band, high speed 802.11ac/n/b/g WiFi.
Proroute® Speedroute® H700TT is the new high speed 4G router that features dual CAT6 LTE 4G modems installed inside the router so you can insert two 4G SIM Cards and have two simultaneous 4G connections which can act as a hot swap failover or using the built-in load balancing feature the H700TT router can share the 2 x 4G connections between the users on the LAN. NB: the H700TT is not a bonding 4G router.
In terms of delivering the high speed CAT6 LTE 4G connections to your devices on the LAN, the Proroute H700TT router has 4 x Gigabit Ethernet LAN Ports for wired LAN connectivity and dual 802.11AC WiFi (2.4Ghz and 5.0Ghz) for wireless devices and RS232/DS485 Serial interfaces and Digital IO to round off the impressive list of features.
The Sierra Wireless MC7455 CAT6 LTE 4G Modem is compatible with all UK mobile phone networks for 3G and 4G mobile broadband connectivity and of course is compatible with our 4G Fixed IP SIM Cards.

industry_corpus2: Computing & Telecommunications


text: Custom designed for that perfect fit, the cargo liner helps keep the cargo area carpeting and seat backs clean and pristine. This rugged, functional accessory also features a fold-down flap to help protect the rear bumper from scratches when loading and unloading items such as bicycles, boxes and sports gear. It also helps maintain vehicle value..

industry_corpus2: Automobiles


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Artist impression of rotation in a galaxy in the early Universe, credit: Institute of Astronomy, Amanda Smith.
Astronomers have looked back to a time soon after the Big Bang, and have discovered swirling gas in some of the earliest galaxies to have formed in the Universe. These ‘newborns’ – observed as they appeared nearly 13 billion years ago – spun like a whirlpool, similar to our own Milky Way.
Two galaxies 800 million years after the Big Bang (6% of the current age of the Universe) as seen by ALMA (inset panels). The color gradient in the sources shows the motion of the gas detected by ALMA, indicative of rotation. credit: Hubble (NASA/ESA), ALMA (ESO/NAOJ/NRAO), P. Oesch (University of Geneva) and R. Smit (University of Cambridge).
The data from this project on small galaxies paves the way for larger studies of galaxies during the first billion years of cosmic time. The research was funded in part by the European Research Council and the UK Science and Technology Facilities Council (STFC).

industry_corpus2: Technology & Research


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Gameloft has just started a crazy sale of iPhone and iPad games in iTunes, and you'll be able to take advantage of the discounted rate if you're quick.
For a limited time only Gameloft is offering over 30 iPhone and iPad titles for just £0.59 - including the critically acclaimed Modern Combat: Sandstorm (iPhone), N.O.V.A (iPhone) and N.O.V.A. 2 HD (iPad).
Gameloft have also thrown into the mix our first App-book, War In The Pacific, for iPad amongst other great titles.
The full list of games currently on sale can be found below, and as mentioned will run for a limited time only.

industry_corpus2: Gaming


text: All our CBD locations are close to public transport, car parking, hotels and restaurants. Karstens locations are in the CBDs of Auckland, Sydney, Melbourne and Brisbane with affiliate locations in Perth, Canberra, Hobart and Adelaide. Please contact us if you need assistance with booking a local hotel or restaurant.

industry_corpus2: Others


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Newton Grove – Destine Elsie Pierce, age 27, died Monday March 5th 2018 from injuries sustained from an automobile accident. Born August 23, 1990 in Philadelphia County, PA, to William Preston “Billy” Pierce, II, and Cindy Lou Wilson. She was preceded in death by her brothers, Brian Pierce and Samuel Loux.
A memorial service will be conducted at 5:00 p.m. Friday, March 9, 2018, in the chapel of Parrish Funeral Home in Selma.


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Léon Ollé-Laprune can be considered, along with Alphonse Gratry from whom he drew inspiration, as one of the key philosophers of Marc Sangnier's Sillon movement and later of the YCW movement founded by Joseph Cardijn.
Cardijn read the philosophy of Léon Ollé-Laprune as a young seminarian, cf. My Reading. Indeed, this influence is evident as soon as you start reading the works of Léon Ollé-Laprune.
Born in Paris in 1839, Léon Ollé-Laprune was a brilliant student at the Ecole Normale Supérieure where he would later become maître de conférences in 1875, a position he held until his premature death as a result of appendicitis on 13 February 1898.
He was much influenced by Frédéric Ozanam, who is most well known as founder of the Saint Vincent de Paul Society, but was also a pioneer supporter of the workers democracy founded after the February Revolution of 1848. Ozanam had also been a lecturer in the French university system and it was his Christian commitment lived out in his lay life which most influenced Léon Ollé-Laprune.
As mentioned, Léon Ollé-Laprune's philosophy drew heavily on the work of Alphonse Gratry, another democrat of 1848.
Léon Ollé-Laprune and his family were also close to the parents of the young Marc Sangnier and it is evident that the philosopher had a great influence on the founder of the Sillon movement. Indeed, Albert Lamy, also from the Sillon, wrote of Léon Ollé-Laprune, that "sa philosophie de la vie est la nôtre", his philosophy of life is our philosophy.
In fact, in a small virtually forgotten book, Les Sources de la Paix Intellectuelle (The Sources of Intellectual Peace) published in 1892, Ollé-Laprune discussed the need to build a "movement" based around the idea that everyone has "quelque chose à faire dans la vie", that each person has "something to do in life" as a co-operator of God.
Marc Sangnier and a number of students at the Stanislas University College in Paris were the first to take up this challenge of building such a movement dedicated to enabling people to discover their lay mission in the world in this way. Originally known as the Crypt, their group later adopted the name, Le Sillon (The Furrow) for their soon to be famous movement.
Although it was Cardijn who formulated the famous expression "see, judge, act" it was Léon Ollé-Laprune who was mainly responsible for developing the philosophical theory that lay behind the method.
In fact, the foundation of the see-judge-act method had already been developed by Léon Ollé-Laprune's neighbour, Frédéric Le Play, the pioneering social scientist. Le Play's méthode d'observation sociale formed the basis of the enquiry method later adopted by the Sillon, the YCW and other lay apostolate movements. Le Play, however, held to an elitist, paternalist conception of social organisation as indicated by the subtitle of his famous work La Méthode Sociale, "ouvrage destiné aux classes dirigeantes" (a study addressed to the ruling classes).
Léon Ollé-Laprune rejected Le Play's elitist conception of society in favour of a democratic ideal. Ollé-Laprune's writings thus developed a notion of the "moral person" acting in the world based on Aristotle's conception of prudence (Phronesis - a much broader concept than the modern understanding of prudence) as the virtue necessary for political leader.
Ancient Greek democracy, however, had been restricted to the elite. Ollé-Laprune saw that a modern democratic society reqiured that every citizen needed to develop the level of prudence necessary for participating in governance. For Ollé-Laprune, prudence therefore became the democratic virtue and education for democracy was necessary to foster the growth of the 'moral person' as a responsible citizen.
Marc Sangnier's Sillon movement took up the challenge of building the necessary movement of democratic education, a notion later adapted by Cardijn as the basis of the worker education methodology of the YCW.
Léon Ollé-Laprune's philosophy therefore lies at the heart of the YCW method and he can therefore justly be considered as the philosophical father of the See, Judge, Act.

industry_corpus2: Subject Education


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Please use this page to book a walk or ask any questions you may have.
Please leave a contact number to enable us to speak to you if necessary.
if on answerphone please leave your contact number and a short message.
I will return your call as soon as possible.Thank you.

industry_corpus2: Hospitality & Catering


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In an era when technology often is the business, members of a company's board of directors need a rock-solid understanding of the security risks facing their company. Only with such an understanding can they ensure that the company's security teams have the capabilities to mitigate and respond to attacks - and also prepare for the fallout when measures fail.
The best way for them to develop this understanding is to include a chief information security officer (CISO) or a cybersecurity expert as an observer and advisor on the board. This expert will help board members to understand the requirements for robust cybersecurity defenses and can also coach the board on how to prepare for and prevent a breach beyond just the technical response.
In today's environment, a security expert will likely advise the board to pursue automated cybersecurity wherever possible. The battle between cybercriminals and corporate security teams is often tilted in favor of the adversaries who utilise automation at scale.
When there is a digital reward - whether it's money, espionage, intellectual property or private data - cyber attackers have persistence and automation on their side. They don't follow the rules of change management, and they enjoy working while you sleep. They even benefit from poorly contrived compensating controls and audit exceptions, which do little to thwart an attacker but do allow organisations to pass compliance audits.
Today's attackers will probe your defenses until they find a weakness. These well-organised criminals often use automation to initiate and replay their attacks, delivering malware, stealing accounts and deploying backdoors. Remember, they only need one breakthrough to be successful.
Most cyberthreats are not advanced. All it takes is one impulsive click on a phishing email containing fairly crude malware to take down a network or even attempt to erode a democracy.
An effective CISO knows that finding an answer starts with the help desk, an already overwhelmed resource. Everyone should ask, "Is this attachment safe to open? Have we received an email from this person before? Is this URL OK to click? Could it be malware or a link to a phishing site?"
These questions take time to answer. Attackers have time on their side, attacking when they want and as often as they like.
The CISO also knows that when it comes to patrolling the attack surface of a corporate network, most teams have too few resources to do the job properly. When an attack does occur, there's not much time to respond. And an infection can spread at network speed.
There is also little warning because overburdened security can miss the initial signs of an attack. Security tools are notoriously noisy, giving off more alerts than analysts can handle. Most security teams observe a small percentage of their computing network using their limited legacy tools. They rely on manual and error-prone work for their defenses. And they often can't determine if an event is normal or a security risk.
Couple those factors with the shortage of security talent available for hire, and you have a recipe for disaster.
A CISO can explain to the board how investing in automation can make security teams more effective.
The CISO can also explain that basic artificial intelligence (AI) is not the answer. With all the hype around AI, the board might be tempted to look at the technology to combat cybercrime, but AI rules are generally static and unable to adapt to the innovations of cybercriminals. Criminals will continually probe network defenses for vulnerabilities, and basic AI is not designed to learn and adapt. While AI systems appear to be intelligent because they make decisions without a human, they're often dependent on static rules that were drafted by humans.
Did a hacker try to use your account to access an accounting database, and what servers were involved?
Was your account just used in New York and then immediately again in Jakarta? Is it unusual for this to happen in one day?
Is there an ongoing "low and slow" attack trying to remove data from your network?
Machine learning can provide the right answers to the right humans and machines - a huge time-saver and advantage for cybersecurity defenders.
Cyberthreats will continue to be a challenge, but having a CISO or cybersecurity expert working with the board will give companies a better understanding of the risks they face - and the strategies needed to address them. Using technologies like machine learning will give back time to our cyber defenders so companies can take the right steps to detect and respond to the next attack.
Stephen Moore is chief security strategist at security intelligence company Exabeam. In his role, Moore helps drive solutions for threat detection and response, as well as advise customers in breach management and program development. He brings deep experience working with legal, privacy and audit staff to improve cybersecurity.

industry_corpus2: Information Services


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You need to be a member of Canadian Teachers to add comments!
Hello all! My name is Miss L and I'm an education student from Manitoba, Canada. I actually just wrote a blog post trying to get some opinions from Canadian teachers, I would love for you to check it out and get some more viewpoints.
Anyone out there read this article? The ideal educational setting would use the strengths of Learners with challenges to teach to and adapt programs for those Learners rather than trying to "fix the problem"...A very thought provoking article.
My name is Dan Gillmor and I am a SH humanities teacher in northern Alberta. I am currently working on developing meaningful ways to engage my students using 21st C. practices. I look forward to conversations that take place along these lines as well as any others regarding the practice of education in Canada.
Hi Nancy, I'm completing the SFU TLTC Coquitlam! Happy inquiring!
I'll look through my Diigo kellyjensen and find some resources. But my fav is simply Etherpad. Great opportunities for AFL practice.
I'm a gr.4/5 teacher working in Maple Ridge, BC. I'm in the Teaching and Learning in Today's Classroom module in Maple Ridge. My field study this term will be looking at how I can use technology to meet my learning goals for writing. I'd love to hear about how others have used technology in Writer's Workshop!
I am very excited to have joined this group. The past 2 comments have touched many issues being explored in my classroom and school. I am currently learning about the New Literacies (Pahl & Roswel) and How People Learn: Brain, Mind, Experience, and School: Expanded Edition (2000). I teach in Squamish BC and am currently enrolled @ SFU Intergating technology COHORT. I look forward to furture discussiona d sharing of resources.
Hope you all have a great start to your school year!


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Citizen Schools equips young people with the skills, access and beliefs they need to thrive as students and succeed as adults in the modern economy.
We envision a world in which schools, companies and families partner to provide students with a set of real-world learning experiences that put them on a path to college and career success.
Your service will help to close the opportunity gap for low-income students across the country.
Your commitment of just 90 minutes a week, over the course of 10 weeks will transform students' lives.
Your gift helps us close the opportunity gap by connecting middle schoolers with real-world learning opportunities.
We connect students with volunteer Citizen Teachers, who lead project-based learning experiences.
Volunteer Citizen Teachers from the community teach courses on topics they are passionate about, providing hundreds of additional hours of hands-on learning to our students each year - exposing them to bright, new futures.


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The United Kingdom definitely has some outstanding natural beauty to offer, from England to Scotland through to Wales and Ireland, but it is the latter that many would argue is the place to visit for serious walkers and ramblers. These people would have a point as well since Ireland is a country that has some incredible scenery, a great deal of history, and countless trails for people to walk in order to experience all of this beauty first hand. Island really has it all: beautiful coastal walks that demonstrate the brilliance of Mother Nature's hand, several notable mountains for walkers to claim they have conquered, dingles, hills, canals, and many more wonders for walkers to marvel at. So whether you're after a casual 7-mile trek through The Brandy pad, a spectacular coastal journey on the Burren Coastal Walk, or are feeling a little more daring with the 110-mile Dingle Way, there's a walk to suit all levels of experience, ages, and fitness. This list aims to give you a general idea of the best walks that the magnificent country of Ireland has to offer.
The Kerry Way is one of Ireland's longest walking trails, coming with signposts and beautiful views as standard. The length of the Kerry Way and its significance amongst the different walks that Ireland has to offer means that it is extremely popular with hikers and walkers and fairly well-known amongst the rambling crowd. Instead of a linear walk that takes you to a completely different part of the country, The Kerry Way is a loop that takes you around the Iveragh peninsula; it originates and ends in Killarney, a popular destination for tourists in Ireland.
For those hoping to scale the heights of the mountains that Kerry itself has to offer - Kerry is after all home to some of Ireland's highest peaks - this trail may be a little disappointing since it doesn't extend to the peaks but rather skirts around the lower edges of the mountains. The shape of the trail is designed with a purpose in mind: to present visitors with a wide array of different scenery so that one essentially gets an idea of the variety offered by the Irish countryside. This is no short walk either: we're talking between 7 and 9 days of serious rambling with an incredible number of fantastic places to see along the way. You'll witness the Killarney Lakes, touch on variety of mountains, and even witness the wonderful south coast that offers an almost tropical feel with palm trees.
A great list of bed and breakfast hotels can be found on this Kerry Way website, all with competitive rates and a fine resting experience waiting for you after you come home from a long day's walk so that you can rest up for the next.
The Dingle Way is another trail that extends around a picturesque peninsula and is one that stands out amongst thirty or so others. Tralee is the commencement and completion point of The Dingle Way; this is the capital of Kerry and is itself worthy of exploration if you can spare the time. One can expect some serious variation in this walk, perhaps even more so than when walking the Kerry Way. Slieve Mish has some wonderful foothills to trek, though this scenery will change relatively rapidly, revealing the base of Mt. Brandon and eventually on to views of the Atlantic Ocean.
Archaeologically speaking, The Dingle Way is a trove of excitement since you will get to see some of the finest spectacles Ireland has to offer: ogham and standing stones, beehive huts, and the Gallarus Oratory (for those that are ok with taking a detour which extends the walk by a fair distance) are just a few examples of the wonders waiting for walkers on the Dingle Way.
This is another example of a fairly extensive trek, weighing in at around 8 to 9 whole days providing that you are fit and well at the time of embarking. Families wishing to take on a hiking holiday may wish to consider renting a spacious holiday home for a few nights such as this Dingle holiday home. Those travelling with fewer numbers in their party may be interested in somewhere like O'Flaherty's B&B.
Situated near the town of Westport, Croagh Patrick is a walk that deviates from the (relatively) steady nature of both the Kerry and the Dingle way. The village of Murrisk is the starting point for the main route, which takes walkers up to the summit of this 2507 foot wonder of nature. It is recommended that those who do not enjoy touristy levels of traffic make their pilgrimage in months other than those of the summer. You will find many embarking upon actual pilgrimages to the chapel that sits on the top of the mountain.
Climbing Croagh Patrick is no easy affair. It is a steep climb (the Gaelic word "Croagh" translates as “Sharp Mountain”) which may take some less experienced walkers by surprise. One can take the edge off by sinking a Guinness at the legendary Campbell's Pub at the foot of the walk, a building that is hundreds of years old and oozing with the tales of thousands of determined souls which have conquered the peak.
Accommodation when visiting Croagh Patrick is almost a must due to the tiring nature of the climb. It is recommended that you find a convenient hotel to stay at such as Newport House or the Clew Bay Hotel. There's nothing like coming down from the peak of Croagh Patrick knowing that you don't have to travel far before you can get some serious rest.
Ireland appears to be jam-packed with these loop-style walks, but Diamond Hill offers such beauty that the shape of the trail will in no way affect your experience in a negative fashion. Beginning at the visitor's centre at the Connemara National Park, the walk takes you along fully signposted and properly-paved paths through Sruffaunboy Nature Trail and on to Diamond Hill. You have views all around of spectacular sights: the Twelve Bens mountain range, Kylemore Abbey, and the summit of Mweelrea are all fantastic sights that make the journey worthwhile.
Hotels.com has a fine selection of accommodation that can be your base camp for the walk such as the Diamond Hill Country House.
This particular walk is a refreshing change from those mentioned above. Though the canal itself was closed in 1951, it has been restored and today is home to The Grand Canal Way, a walk that takes people through grassy surroundings, town paths, and tarmacadam canal-side roads. One can fully enjoy the canals as they pass by as well as viewing many lochs and cottages. You will find that the landscape hasn't been spoiled even by modern agricultural methods and that the many towns and villages along the way provide fantastic respite as well as a various places to stop for refreshments on your journey.
The Grand Canal Hotel Dublin is a fantastic choice when choosing high-quality accommodation that is convenient for your walking needs.

industry_corpus2: Travel & Geography


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Court Marriage in NOIDA shall be carried under Special Marriage Act 1954 ,irrespective of caste , creed and religion . If you are getting married in accordance to the Special Marriage Act the wedding is solemnized and registered by a Marriage Officer. The important thing in such a marriage is that a public notice must be given for 30 days. If there is an objection to the marriage in these 30 days, the Marriage Registrar will take necessary steps to redress the objection. He may accept or reject the marriage altogether based on his investigation. The need for Marriage Certificate arises in case you need to prove that you are legally married to someone, for purposes like obtaining a passport,changing your maiden name, etc.
Itzeazy.com provides Consultancy for Marriage registration under special marriage act or Court Marriage in NOIDA , provides end to end assistance in all documentation support to the clients. Court Marriage can be done Where either of the husband or wife or both are not Hindus, Buddhists, Jains or Sikhs and the marriage will be registered under the Special Marriage Act 1954. Special Marriage Act sets minimum age of marriage as 21 years for men and 18 years for women. Service provided by Itzeazy is doorstep & process is guided and carried by expeienced professionals in this field Though documentation will be done by Itzeazy , visit of husband , wife & 3 witness is mandatory in front of marriage registrar on 2 occasions.

industry_corpus2: Law & Justice


text: Dealsforum.pk affiliate program is free and enables members to earn revenue by placing a link or links on their web site which advertises Dealsforum.pk or specific products on it. Any sales made to customers who have clicked on those links will earn the affiliate commission. The standard commission rate is currently 15%.


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去る2003年秋、私はアムステルダムの「文化的な生産の実験室」(SMARTプロジェクトスペース）を悲しくも遷移を強いられたことについて報告した。SMART Project Space is situated in a location which plays a vital role in shaping the new cultural city map in Amsterdam.
Translation: Rin OkadaLocated close to the city centre, the Old West neighborhood of Amsterdam is a deprived urban area which is about to undergo a program of regeneration. The new functionality of the building offers a sense of possibility, of civic improvement, a flagship that is sympathetic and responsive aiming to redraw the established cultural map and expand the infrastructure of visual arts within the city. By creating a new cultural platform, SMART Project Space plays a vital role within its urban setting. It endows the city with a high quality municipal service and a new public space for both the local and international community.
Occupying a laboratory building for the third and last time – the first temporary space was the Bus House on the Kloveniersburgwal, previously used to house the laboratories of the Amsterdam harbour customs and most recently, the Swammerdam Institute, a former clinical laboratory of the Medical Faculty of the University of Amsterdam – SMART Project Space aquired the building of the former Pathological Laboratories in the Wilhelmina Gasthuis area in Amsterdam Old West in August 2005.
After more then a year of developing plans, fundraising and permit procedures, SMART has now started the renovation of the 3600m2 building, which will be developed into an exhibition space of 500m2, two large project rooms, a film theater with three cinema spaces, a lecture and performance hall with a flat floor theater surface of 10×11 meters and a capacity of 120 seats, ten studios for the SMART Residency Program, a media cafe/restaurant, a library with a reading room, and an art bookshop.
Although the renovation works will take a good half year to conclude, the main entrance to the building is available for the resident artists and visitors to access the exhibition spaces.

industry_corpus2: Real Estate & Construction


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A naturalist is aboard every Zodiac, able to point out and identify wildlife and answer questions.
National Geographic Islander is outfitted with cool tools for exploration that enable a deeper connection with the pure wildness of Galápagos.
Key to our operation is our fleet of four Zodiacs, which we use to land on remote islands that would otherwise be inaccessible. With several of these boats used every time we disembark, we’re able to transfer everyone off the ship quickly, so you can be out on adventures, not idly waiting. These sturdy inflatable craft are the same time-tested brand Jacques Cousteau used in his expeditions for over 30 years. They are widely recognized as the safest and most versatile small boats. The Zodiacs we use are 19 feet long, powered by four-stroke outboard engines, and are capable of carrying 12 to 14 people with ease.
A fleet of three single-person and five two-person kayaks allows you to paddle along scenic shores and explore water-level caves where Galápagos fur seals rest. Our naturalists will help novices with technique and prior kayaking experience is not necessary; many of our guests enjoy their first kayaking experience ever with inquisitive sea lions splashing nearby! Advanced kayakers will have the opportunity to explore further afield.
Your undersea specialist will shoot video at snorkeling sights to share during Recap in Islander’s lounge. This high-definition, Cousteau-like footage of colorful fish and curious marine life will help you better understand and appreciate the marine environment.
See the tiny flora and fauna that lives in the rich waters surrounding Galápagos and learn, in great detail, the difference between organic and in-organic sand on the islands. You’ll be able to view this fascinating microscopic life on the high-definition screens in the lounge as your naturalist explains it.
You’ll find our captains are engaged, knowledgeable members of your expedition who are eager to share their passion with you. Islander’s bridge is open whenever safe navigation permits, and our Ecuadorian officers are pleased to share their career at sea and their enthusiasm for the Galápagos with you.
On the first day of your expedition you’ll be fitted with a mask, snorkel, fins, and wetsuit. These are yours to use for the duration of the expedition—so there’s no need to pack and tote your own gear. The 3mm shorty wetsuits allow you to stay in the cool waters of Galápagos longer, and protect your skin from the equatorial sun. Guests who own masks with prescription lenses, or prefer to use thicker, full-length wetsuits, are welcome to bring their own gear.
Scuba diving is available on select voyages at an additional cost. We’ll arrange for a rendezvous with a local dive outfitter that will supply both gear and dive guides. Please call us at 1800.EXPEDITION to arrange diving when you book.


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Hi everyone! I know it's early to be doing a farm update. If you think this is early, I should tell you when I actually wrote this post- a week or so ago. Anyhow, the month is almost over so I will tell you how it is going so far.
The goats are happy and healthy. At the beginning of January I bought them some more hay. They've been happily munching and mulling around the pasture. I've also been giving them a little bit of my homemade tree hay for treats.
The chickens and ducks are likewise doing great. I had two unfortunate chicken deaths this month. Otherwise, the hens have been basking in the recent winter thaw. I've been giving them kitchen scraps (like normal). Today I gave them a handful of biscuits that had gone bad. It was so fun to watch them chase each other around the yard with mouthfuls of biscuit.
During the month of January, I have been babysitting some chickens. Normally for me, farm-sitting involves traveling to the farm in question, but the family was going to be gone for more than a month. It would obviously be a pain for me to drive over there every day, so they put bands on the chickens' legs (to tell them apart from my hens) and brought them to my house. So far, my chickens and the others have been playing well together.
I am also duck-sitting these colorful ducks!
Farm-sitting in this manner is actually a great deal for both parties involved. It's great for the other guy, because he can leave for an extended amount of time without worrying about the birds. I like the arrangement because it takes just as much work to feed 20 hens as it does to feed 40 hens.The chicken owner brought over enough feed to last until he gets back, so the new poultry adds zero cost to my hobby farm. And how am I rewarded for my labor?
Eggs! Eggs, eggs, eggs! Before the new chickens came, I was collecting 1-3 eggs per day. Now I am collecting 6-8 eggs per day, with no extra cost to me and hardly any work. So, that is my little "hobby farm hack" of the month: chicken-sitting.
1. Remove the buttons from both sides.
2. Pull the foam out of the "pillowcase".
3. Proceed to take apart the "pillowcase". Be sure to save each piece and any notions. My cushions had two pieces (one carpet and one vinyl) and a zipper. If your cushions are vinyl, be careful not to rip holes in it when using the seam ripper. Also, don't let the zipper pull come off the end of the zipper. It is super hard to get back on!! In order to prevent the zipper pull from coming off, I hand-stitch around the metal part at each end.
4. Lay out your new fabric, and using the old fabric as a pattern, cut new pieces. Sometimes it is helpful to use weights to hold the pattern piece down.
Make sure you cut a proper seam allowance if the fabric is folded over on one side like mine was.
5. At this point, you are basically going to put the cushion back together like it was, using your new pattern pieces. This is a little hard to explain because each cushion will probably be different. Mine were a basic square shape, with one vinyl side and a zipper between the vinyl and suede on the long edge.
To put in the zipper, I sewed the vinyl and suede together on the proper side. Then I opened up the seam and sewed the zipper straight down the center of the seam (on the inside, but facing the zipper toward the fabric, not myself). When the zipper was sewed onto the seam, I flipped it over and ripped out that very first seam. This guaranteed that my zipper was sewn in straight.
You can see here where my stitching was a little bit "off" from the original, but the zipper still came out straight.
6. Once the cushion has been reassembled, try to stuff the foam back in. Check for any discrepancies or areas that just don't "look right". Note: until you are 100% satisfied, DON'T trim up any of the seams! You might want to use that extra room.
You can tell that the two edges above are not the same height. This probably happened because my original fabric (pattern) was stretched out on one side. If you are using the old foam (I was), it's okay to leave uneven edges as long as they fit the foam.
Too much fabric, not enough foam.
In the photo above, there was too much extra fabric in the corner. I took note of this before I made final adjustments to the cushion.
7. Make any needed adjustments, then put the cushion back in and zip it up. I tried not to take the foam in and out to often, or make too many adjustments, because I didn't want to damage the vinyl or the foam, which was being reused.
8. Now it's time to add the buttons! This was my favorite part.
Recover any buttons if neccesary. To recover my buttons, I cut a circle of suede around each button with about 1/2" extra on the sides. Then I used Super 77 3M spray glue to fix the button in the very center of the circle. When the glue had dried, I hand-stitched large stitches around the edge of the circle and then pulled both ends. This is just like gathering fabric. Then I tied off the ends and had a finished, covered button.
So, there are actually several steps to #8. Recovering buttons was the first step. Then you'll want to get your upholstery needles and heavy-duty thread out.
Above is what the finished cushion looks like without buttons. You can tell that the top fabric is a little loose, and there are holes in the vinyl where the buttons were before. If you have vinyl cushions, use these original holes to avoid making more tears in the vinyl. If you are using non-plastic, brand-new fabric and foam, you can put the new buttons wherever you want. You can tell where the buttons were on used foam, so if you are re-using the foam, it will be best to put the buttons back where they were before.
After my cushions were put back together, I poked the needle through the vinyl side first (using the old hole), and out through the suede side. This was HARD! I had to push really hard to get the needle to go through the suede, and then I had to pull and stretch the suede in order for the needle to wiggle its way through. In the end, I got it to go through.
Now, thread the button and push the needle right back where it came from, being careful to come back through the original vinyl hole (if you are using vinyl).
Pull the thread so the button is tight against the cushion.
Lastly, thread the button on the other side and tie it down tight. If you pull the button(s) together tightly, they will stay without knotting. However, I always like to knot both ends of the thread with the knot being hidden under the button when you are done.
If you want more information on upholstery or attaching buttons, there are plenty of Youtube videos out there which are very helpful.
The end result of my effort, while not perfect, was very satisfying. Once the cushions are in the RV, all of those imperfect seams and lopsided corners will be hidden, and nobody will know the difference.
As far as frugality is concerned, this project was not free. I bought brand new (albeit couponed!) fabric from Joann's in the color and type that I wanted. The fabric cost about $90.00. We also bought new foam for two of the cushions, at $25.00 per cushion. We felt that those cushions were squashed enough to warrant the new foam, even with that hefty price tag.
Apart from reusing the zippers, vinyl, and foam in two of the cushions, we were able to salvage one of the squashed cushions by cutting it down and using it for reupholstering the RV bed (the bed was 3" foam as opposed to the 5" back seat cushions). That being said, I might still have to buy more fabric to finish the bed.
In order to frugalize the project even farther, we could have used free fabric to recover the cushions. However, I was being picky about the color and type.
I would not have reused the squashed foam, even to save money. If you are going through all the trouble to reupholster, you might have well have a NICE cushion instead of a nice-looking but nasty, uncomfortable cushion. One way to frugalize the foam would be to find a larger piece for free (you could use any old couch cushion), and cut it down to size.
Total cost for this project is/will be from $140.00-$170.00. That sounds expensive, but it will VASTLY improve the appearance of the interior, and new foam in the seat cushions will make the RV more livable and fun to travel in. It will feel less like 1986 and more like 2017.
1. Shopping: I spent a grand total of $6.06 on groceries this week. With that money, I got: 2 avocados, 3 mangoes, 5 oranges, 6 boxes healthy spaghetti noodles, 1 box Annie's Organic mac 'n' cheese, a can of refried beans and a box of tortilla shells. Nothing this week was purchased at regular price.
Produce- mangoes and oranges were reduced produce, $1.00 per bag. One orange was a free sample. See below for avocados.
Avocados and shells- I used one printable coupon and an identical rebate ($1.00 off 1 Old El Paso product + 2 avocados), in addition to a $0.25 generic avocado rebate in order to get all of it (retail $3.50) for $1.25. The avocados were on sale for $1.00 each. Since I bought everything in order to get the avocados cheaper, I figure that my end price was $0.63 per avocado and the taco shells were free.
Pasta- Spaghetti was on sale this week for "buy 6, end price is $0.49 per box". I took advantage of that deal to buy the more expensive pasta and also used a $0.10 Mobisave rebate to get a final price of $0.47 per box/lb. Two of the boxes (vegetable pasta) were only 12 oz., so they cost $0.63 per pound. Still cheaper than the Dollar Tree OR bent 'n' dent.
Mac 'n' cheese and refried beans- these were Free Friday deals. Lately they have had some great, healthy Free Friday deals at Kroger. It is worth your time to get a Kroger account just for the freebies.
2. Cooking: Made rice in the Instant Pot, made ham broth in the Instant Pot, made yogurt and had leftovers for several meals.
3. Worked on RV cushions. This was my main project for the week, as we are planning an upcoming RV trip. We did end up buying two new 5" foam pieces for the back seats, but were able to salvage one of the old 5" thick pieces to make a 3" piece for the bed.
4. Ordered a free photo book from Shutterfly (+$8.00 shipping) with pictures from our trip to Panama last year.
5. Lined dried two loads of laundry. My indoor line worked even better than last time. I washed two smaller loads, so I didn't have to use the shower curtain rod this week. I used an old milk jug to make a holder for my extra clothespins that I can slide along the line as I work. This makes hanging and taking down the clothes even faster.
7. Signed up for a free course with The Herbal Academy. Through the month of January, the online herbalism school is offering a six-part course on how to create your own materia medica notebook. I'm only two lessons in and I have already utilized several of their free printables. The company has other courses that you pay for, but this one is completely free if you sign up before the end of the month.
In the past few months, I have been working hard to improve my shopping skills. I've been shopping at different stores besides Walmart, to see who has the best deal on what... who has the best coupon policy, the best rebates and best sales. I like all of the stores, but they have different strong points and weak points. It is so hard to keep track of everything- what is on sale where, which rebates apply to which store, when they expire. And then there's coupons. Where to even start with coupons.
Last week, I made a printable grocery shopping list/comparison chart to keep track of all of the sales, coupons, and rebates at each store. This was my first week using the chart. All of the deals worked out like they should have, because I put all every piece of information on paper in an organized manner, BEFORE I went to the store.
I have tried writing sales and rebates down before, but inevitably I would re-write things or forget to write things, or confuse which deals went with which stores. It is so much easier with the chart. Last week it took just about 20 minutes to go through all of the sales, coupons and rebates for each store and fill out my chart. I was able to save over $2.00 on stuff I would have bought anyway. $2.00 doesn't sound like much, but for someone who spends less than $20.00 per week at the grocery store, it is a 10% reduction!! I will be putting the downloadable Excel file of the chart in my next newsletter, so if you aren't signed up for my emails already, be sure to do so!
1. Got my indoor laundry line set up. I used screw-in-the-wall hooks on either side of the room to create a zig-zag clothesline that I can put up or take down whenever I want to. I chose our bedroom as the location, for three reasons: a) the laundry is hidden in case people come over, b) clothes are stored in the bedroom, and c) the ceiling fan gives a little more airflow than the other rooms.
My first two loads on the new line went pretty well. I could really use some more hooks to create a longer line, because I still had to dry some T-shirts and our beach towels in the bathroom over an extra shower curtain rod that I keep over the tub for that purpose. In order to make the most of my new line, I need to be putting socks and underwear on the collapsible drying rack first. That frees up more room on the line. Overflow items go on the shower curtain rod.
I am loving my new permanent indoor clothesline. By using it, I'll be able to save a dollar every week, just like in the summer. However, the clothes do take longer to dry indoors, and sometimes thick items like jeans take two days to dry. On the second day when most of the clothes are dry, I fold them and take down the clothesline. The still-damp items can be dried the second day either on the drying rack or in the shower/tub. This gets most everything out of the way after 24 hours.
2. Sold 1 dozen eggs.
3. Shopping: We spent $8.76 this week on groceries. I found bacon on sale for $1.85/lb., got a cucumber for $0.42 with a rebate, and we also got free organic tortilla chips from a Kroger Free Friday deal several weeks ago. Other things I bought were dairy products, salt, and some 50-cent candy canes to stir in hot chocolate.
4. Cooking: I used up most of my frozen leftovers this week. Also made cheese and used the Instant Pot I got for Christmas (thanks mom!!) to make baked potatoes, carrots, and mashed potatoes. I cooked up one of the turkeys we bought in November for $0.68/lb. After eating our fill, I cut up all of the meat except the drumsticks and got 5 bags (6.71 pounds) of cooked turkey meat for the freezer. In addition, I strained about 2 cups of cooking fat from the bottom of the roaster, and used my Instant Pot again to make three quarts of bone broth, with I used with some of the frozen leftovers to make soup.
I was curious to see if our $15.00 turkey would be worth it, but I think it was. We got two fresh meals out of the meat, plus almost seven pounds of meat to freeze, plus three quarts of broth and a pint of fat.
5. Unfortunately the insert that came with my instant pot was two inches tall and doesn't leave a lot of room on top of it for food. Instead of buying a new insert online, I found a steamer basket at the VOA 50% off sale and used it (propped up with a canning ring) to cook vegetables in the instant pot. It worked great, and only cost $0.50.
6. Printed coupons off the internet. We'll see if I actually use them.
7. Used a discount McDonalds gift card to buy lunch.
8. Made a memory shadowbox for our trip to the DR. Total cost was $1.00 that I paid for the box at a garage sale.
9. Printed new pages for my daily planner.
10. Reupholstered another RV cushion.
11. Created an Amazon "Household". Hubs has Amazon Prime for his business, but up until last week I was still using my regular account to order small items and purchase ebooks. Amazon Prime has a lot of benefits that EVERYONE in your home can use if you create a household. By linking our two accounts, I can now borrow ebooks and get free shipping on many things I order without logging into the "business" account.
12. Made a chalkboard inventory for the freezer! This has been on my "to do" list for a long time. I used chalkboard spray paint on the side of the freezer to make the board, but then I got frustrated when my chalk inventory kept getting wiped off on accident. One of my friends got me a chalkboard marker for Christmas (thanks Ruth!), which made it so, so easy. I did not even know those things existed, and I just thought everyone at the farmers market was super talented to be able to create such beautiful chalkboards without smudging or breaking their chalk. The chalkboard markers are perfect because they don't smudge like regular chalk, but you can still wipe it off with a wet washcloth. It's perfect for my freezer inventory.
13. Started my free trial of Audible. I also bought a free ebook version of Pride and Prejudice, and paid $2.00 to get it on Audible. I know you can get free audio books from Librivox and some other sites, but the narration is not as good and sometimes you have to download a million files in order to get a whole book. Another way to get free audiobooks is to borrow them from the library, but then you have to either play them in a CD player or download every single track to a different audio device. With Audible, everything is one swipe and tap away on my phone.
If any of you know how to get free, good-quality and easy-to-download audiobooks, please let me know. I've come to the conclusion that I will NEVER get enough reading in if I have to sit on the couch to do it. In the following week, I'll be examining a few other options to see if there is a better deal than Audible's $15.00 per month.
Well, I'm here to announce that there were almost NO frugal accomplishments last week! We hopped on a plane and flew down to the beautiful island of Haiti/Dominican Republic.
Earlier in the year we planned to go down to the DR in order to see Hubs' sister, who lives there. She works with victims of human trafficking; in particular, girls under 18. It is so sad to hear about things like this. Even though SIL works in the DR, human trafficking is everywhere- probably in your own hometown. Renting Lacy is a good book that my SIL recommends to anyone who wants to know more about this tragic "industry" that has gained more media attention in recent years.
In addition to seeing my SIL and learning more about the ministry she works for, we also got to meet her fiance, who is a Dominican. While my sister-in-law is white and short with stick-straight hair, her man is black with curly hair, and very, very tall. They are complete opposites, not only in personality but looks as well. He was super nice, and a very good cook. :) We got to be the first family members to meet him before the wedding this spring. Which makes me feel kind of privileged.
We decided to stay in a resort town on the coast. This was not so much a "travel" vacation, but one of relaxation. We picked a few things to do each day- walking on the beach, buying souvenirs, eating out, sleeping, reading on beach, eating out, taking a nap... you get the idea. The sun really zapped our energy, so afternoon naps were a must.
1. Packing three adults on a tiny motorcycle. These were called "moto-conchos", and were usually 100-200cc bikes. Oftentimes, depending on the size of the driver, we would have between 450 and 500 pounds of flesh on one of those little bikes. If you think about the fact that our Honda Magna motorcycle is a 750, we should be able to haul fifteen people on it, for the amount of power it has.
2. Eating octopus. I ordered an octopus salad at one of the restaurants. The salad was good. I ate the ends of the octopus tentacles with ease (and they were pretty good). But when I got to the bigger, chewier parts with more suction cups on it, I lost my appetite. The idea of chewing on the suction cups kind of ruined it for me. The taste wasn't all too bad, but the chewy texture (like that of clams) and visual picture I got was enough to make me hand my plate over to Hubs, so he could finish it.
3. SEGWAYS!!!! We went on our very first segway tour. I was a little concerned that only old people would be there, but it turned out to be all couples that were our age. We went through a nature preserve, through a closed-down resort and beautiful beach area, plus we got to see a bunch of exotic farm animals, which was VERY cool. I thought that was the best, after buzzing around on the segways, of course. To anyone who has seen the commercials on TV and wondered what it was like, segways are just as fun as they look. It took a little while to get the hang of using your balance to steer and control speed, but after that it was super, super enjoyable. Only one girl could NOT get the hang of it, so the instructor had to pull her segway behind his, with her screaming at every little bump or turn. It was kind of hilarious.
4. Ziplining. In the middle of the week we decided to do a zipline "adventure" outside of the resort area. The ziplining was kind of fun, but for me the equipment was uncomfortable and I was unsure when/if to brake at the end. Even though the instructors said that the zip lines went as fast as a roller coaster, they felt kind of slow to me. It would be more fun the second time around, I think. My favorite part was seeing the starfruit trees and cacao pods while we waited at each station. It only took 45 minutes or so to complete all of the ziplines, and most of that time was spent walking to each station. I'm not sure if I would do it again for $65.00+ per person. The segway tour was a lot less work, more fun, and lasted longer for the same amount of money.
3. Dominican salesmen. In Guatemala, where we have been to open-air markets, salesmen will often yell out prices and solicitations. "Good price, good price for you! Five for the bag! Good price!" Sometimes they will even follow you, lowering the price every ten seconds until you are out of earshot.
Dominican salesmen, however, are even more direct. Instead of chasing after you, they step in front of you so you can't get away. "Hello friend, how are you doing. Where are you from. Will you please stop in my store and see what I have? See, I will show you what I have." When you try to step around them or say no, they still persist. "What are you looking for? Come look in my store for just five minutes. Please, stop in my store. I have mamajuana. You want mamajuana*? You want cocao, you want jewelry, you want souvenirs? Okay, okay, you come back later." And after five minutes, you are finally free to continue to wherever it was you wanted to go in the first place.
Some of the encounters we had were so funny that I tried to capture them on video. One night as the sun was setting, we heard someone come up behind us. We kept on walking.
"You looking for souvenirs? Come see my shop. I have everything you want."
"No thanks." Hubs said, still walking.
"Just come back and look for a minute. I have souvenirs, I have hats, coffee, mamajuana. What you want?"
"I want my bed." Hubs said.
"You want chocolate? You want... what?"
"I want my bed." The salesman paused a moment.
"You want bed?? You funny, you funny," he said, and then finally turned around.
You can see in the photo-bombed photo above, the salesman is going after the lady... the husband has already turned around to try and get away.
Another morning we were on our way to the beach. A bunch of Dominicans were sitting outside a barbershop. As we walked by, one of them yelled out, "You need a haircut?" Hubs said no. Without missing a beat, the same guy said, "You need a moto to rent?" We are still laughing about that. Haircuts and motorcycle rental- what a business plan!
So, another stamp in the passport.
*Mamajuana is not a drug. It is an herbal concoction soaked in honey and rum, perportedly for medicinal use. But no, not a drug... although some of the salesmen tried to sell those, too.

industry_corpus2: Agriculture & Fisheries


text:
20 Acumen 1 Magical 20 0 3,300 Increases Casting Spd. by 15% for 20 minutes.
20 Anti Magic 5 Passive 0 0 1,600 M. Def. increases by 18 and resistance to damage magic increases by 5%.
20 Anti Magic 6 Passive 0 0 1,600 M. Def. increases by 20 and resistance to damage magic increases by 5%.
20 Battle Heal 4 Magical 35 0 1,100 Immediately restores the target's HP with 121 Power.
20 Battle Heal 5 Magical 40 0 1,100 Immediately restores the target's HP with 135 Power.
20 Battle Heal 6 Magical 44 0 1,100 Immediately restores the target's HP with 151 Power.
20 Boost Mana 1 Passive 0 0 3,300 Max MP increases by 30.
20 Concentration 1 Magical 20 0 3,300 Decreases magic cancel damage by 18 for 20 minutes.
20 Disrupt Undead 1 Magical 18 0 1,600 Supplements user's M. Atk. with 19 Power to inflict divine attribute damage on the target. Affects undead.
20 Disrupt Undead 2 Magical 20 0 1,600 Supplements user's M. Atk. with 21 Power to inflict divine attribute damage on the target. Affects undead.
20 Group Heal 4 Magical 48 0 1,100 Restores the HP of all party members with 97 Power.
20 Group Heal 5 Magical 53 0 1,100 Restores the HP of all party members with 108 Power.
20 Group Heal 6 Magical 59 0 1,100 Restores the HP of all party members with 121 Power.
20 Heal 7 Magical 24 0 1,100 Restores the target's HP with 121 Power.
20 Heal 8 Magical 27 0 1,100 Restores the target's HP with 135 Power.
20 Heal 9 Magical 30 0 1,100 Restores the target's HP with 151 Power.
20 Kiss of Eva 1 Magical 20 0 3,300 Increases lung capacity by 400% for 20 minutes.
20 Light Armor Mastery 1 Passive 0 0 1,600 When light armor is equipped, P. Def. increases by 5.4, Casting Spd. increases by 91%, Atk. Spd. increases by 25%, and MP recovery bonus increases by 20%.
20 Light Armor Mastery 2 Passive 0 0 1,600 When light armor is equipped, P. Def. increases by 6.3, Casting Spd. increases by 91%, Atk. Spd. increases by 25%, and MP recovery bonus increases by 20%.
20 Might 2 Magical 20 0 3,300 Increases P. Atk. by 12% for 20 minutes.
20 Quick Recycle 1 Passive 0 0 3,300 When using magic, re-use time decreases by 10%.
20 Resurrection 1 Magical 59 0 3,300 Resurrects a corpse.
20 Robe Mastery 1 Passive 0 0 1,600 P. Def. increases by 7.2 when a robe is equipped.
20 Robe Mastery 2 Passive 0 0 1,600 P. Def. increases by 8.6 when a robe is equipped.
20 Weapon Mastery 3 Passive 0 0 3,300 Increases P. Atk. and M. Atk.
20 Wind Walk 1 Magical 20 0 3,300 Increases movement speed by 20 for 20 minutes.
25 Anti Magic 7 Passive 0 0 3,400 M. Def. increases by 23 and resistance to damage magic increases by 10%.
25 Anti Magic 8 Passive 0 0 3,400 M. Def. increases by 25 and resistance to damage magic increases by 10%.
25 Battle Heal 7 Magical 49 0 2,300 Immediately restores the target's HP with 176 Power.
25 Battle Heal 8 Magical 52 0 2,300 Immediately restores the target's HP with 185 Power.
25 Battle Heal 9 Magical 54 0 2,300 Immediately restores the target's HP with 195 Power.
25 Disrupt Undead 3 Magical 22 0 3,400 Supplements user's M. Atk. with 24 Power to inflict divine attribute damage on the target. Affects undead.
25 Disrupt Undead 4 Magical 23 0 3,400 Supplements user's M. Atk. with 25 Power to inflict divine attribute damage on the target. Affects undead.
25 Dryad Root 1 Magical 22 0 2,300 Immobilizes an enemy for 30 seconds.
25 Dryad Root 2 Magical 22 0 2,300 Immobilizes an enemy for 30 seconds.
25 Dryad Root 3 Magical 23 0 2,300 Immobilizes an enemy for 30 seconds.
25 Fast Mana Recovery 1 Passive 0 0 6,900 MP recovery bonus increases by 1.1.
25 Fast Spell Casting 1 Passive 0 0 6,900 Casting Spd. increases by 5%.
25 Focus 1 Magical 23 0 6,900 Increases critical attack rate by 20% for 20 minutes.
25 Group Heal 7 Magical 65 0 2,300 Restores the HP of all party members with 141 Power.
25 Group Heal 8 Magical 69 0 2,300 Restores the HP of all party members with 148 Power.
25 Group Heal 9 Magical 72 0 2,300 Restores the HP of all party members with 156 Power.
25 Heal 10 Magical 33 0 2,300 Restores the target's HP with 95 Power.
25 Heal 11 Magical 35 0 2,300 Restores the target's HP with 185 Power.
25 Heal 12 Magical 37 0 2,300 Restores the target's HP with 195 Power.
25 Holy Weapon 1 Magical 23 0 6,900 Increases a party member's divine attribute P. Atk. by 20 for 20 minutes.
25 Light Armor Mastery 3 Passive 0 0 3,400 When light armor is equipped, P. Def. increases by 7.8, Casting Spd. increases by 91%, Atk. Spd. increases by 25%, and MP recovery bonus increases by 20%.
25 Light Armor Mastery 4 Passive 0 0 3,400 When light armor is equipped, P. Def. increases by 8.8, Casting Spd. increases by 91%, Atk. Spd. increases by 25%, and MP recovery bonus increases by 20%.
25 Mental Shield 1 Magical 23 0 6,900 Increases resistance to hold, sleep and mental attacks by 20 for 20 minutes.
25 Robe Mastery 3 Passive 0 0 3,400 P. Def. increases by 11 when a robe is equipped.
25 Robe Mastery 4 Passive 0 0 3,400 P. Def. increases by 12.7 when a robe is equipped.
25 Shield 2 Magical 23 0 6,900 Increases P. Def. by 12% for 20 minutes.
25 Sleep 1 Magical 22 0 2,300 Causes an enemy to sleep for 30 seconds.
25 Sleep 2 Magical 22 0 2,300 Causes an enemy to sleep for 30 seconds.
25 Sleep 3 Magical 23 0 2,300 Causes an enemy to sleep for 30 seconds.
25 Weapon Mastery 4 Passive 0 0 3,400 Increases P. Atk. and M. Atk.
25 Weapon Mastery 5 Passive 0 0 3,400 Increases P. Atk. and M. Atk.
30 Anti Magic 9 Passive 0 0 6,600 M. Def. increases by 28 and resistance to damage magic increases by 10%.
30 Anti Magic 10 Passive 0 0 6,600 M. Def. increases by 30 and resistance to damage magic increases by 10%.
30 Battle Heal 10 Magical 62 0 4,400 Immediately restores the target's HP with 224 Power.
30 Battle Heal 11 Magical 65 0 4,400 Immediately restores the target's HP with 234 Power.
30 Battle Heal 12 Magical 67 0 4,400 Immediately restores the target's HP with 245 Power.
30 Boost Mana 2 Passive 0 0 13,000 Max MP increases by 50.
30 Concentration 2 Magical 27 0 13,000 Decreases magic cancel damage by 25 for 20 minutes.
30 Disrupt Undead 5 Magical 25 0 6,600 Supplements user's M. Atk. with 28 Power to inflict divine attribute damage on the target. Affects undead.
30 Disrupt Undead 6 Magical 27 0 6,600 Supplements user's M. Atk. with 30 Power to inflict divine attribute damage on the target. Affects undead.
30 Dryad Root 4 Magical 25 0 4,400 Immobilizes an enemy for 30 seconds.
30 Dryad Root 5 Magical 27 0 4,400 Immobilizes an enemy for 30 seconds.
30 Dryad Root 6 Magical 27 0 4,400 Immobilizes an enemy for 30 seconds.
30 Group Heal 10 Magical 83 0 4,400 Restores the HP of all party members with 179 Power.
30 Group Heal 11 Magical 87 0 4,400 Restores the HP of all party members with 188 Power.
30 Group Heal 12 Magical 88 0 4,400 Restores the HP of all party members with 196 Power.
30 Heal 13 Magical 42 0 4,400 Restores the target's HP with 224 Power.
30 Heal 14 Magical 44 0 4,400 Restores the target's HP with 234 Power.
30 Heal 15 Magical 44 0 4,400 Restores the target's HP with 245 Power.
30 Light Armor Mastery 5 Passive 0 0 6,600 When light armor is equipped, P. Def. increases by 10.9, Casting Spd. increases by 91%, Atk. Spd. increases by 25%, and MP recovery bonus increases by 20%.
30 Light Armor Mastery 6 Passive 0 0 6,600 When light armor is equipped, P. Def. increases by 12.5, Casting Spd. increases by 91%, Atk. Spd. increases by 25%, and MP recovery bonus increases by 20%.
30 Quick Recycle 2 Passive 0 0 13,000 When using magic, re-use time decreases by 15%.
30 Resist Fire 1 Magical 27 0 13,000 Increases resistance to fire attacks by 10 for 20 minutes.
30 Resurrection 2 Magical 88 0 13,000 Resurrects a corpse. In addition, restores about 20 percent of Exp.
30 Robe Mastery 5 Passive 0 0 6,600 P. Def. increases by 15.4 when a robe is equipped.
30 Robe Mastery 6 Passive 0 0 6,600 P. Def. increases by 17.4 when a robe is equipped.
30 Sleep 4 Magical 25 0 4,400 Causes an enemy to sleep for 30 seconds.
30 Sleep 5 Magical 27 0 4,400 Causes an enemy to sleep for 30 seconds.
30 Sleep 6 Magical 27 0 4,400 Causes an enemy to sleep for 30 seconds.
30 Weapon Mastery 6 Passive 0 0 6,600 Increases P. Atk. and M. Atk.
30 Weapon Mastery 7 Passive 0 0 6,600 Increases P. Atk. and M. Atk.
30 Wind Walk 2 Magical 27 0 13,000 Increases movement speed by 33 for 20 minutes.
35 Acumen 2 Magical 30 0 21,000 Increases Casting Spd. by 23% for 20 minutes.
35 Anti Magic 11 Passive 0 0 11,000 M. Def. increases by 34 and resistance to damage magic increases by 10%.
35 Anti Magic 12 Passive 0 0 11,000 M. Def. increases by 36 and resistance to damage magic increases by 10%.
35 Battle Heal 13 Magical 72 0 7,300 Immediately restores the target's HP with 278 Power.
35 Battle Heal 14 Magical 74 0 7,300 Immediately restores the target's HP with 289 Power.
35 Battle Heal 15 Magical 78 0 7,300 Immediately restores the target's HP with 301 Power.
35 Berserker Spirit 1 Magical 30 0 21,000 Decreases a party member's P. Def. by 5%, M. Def. by 10% and evasion by 2, and increases P. Atk. by 5%, M. Atk. by 10%, Atk. Spd. by 5%, Casting Spd. by 5% and movement speed by 5 for 20 minutes.
35 Cure Poison 2 Magical 30 0 21,000 Provides an antidote for moderate poisoning.
35 Disrupt Undead 7 Magical 29 0 11,000 Supplements user's M. Atk. with 33 Power to inflict divine attribute damage on the target. Affects undead.
35 Disrupt Undead 8 Magical 30 0 11,000 Supplements user's M. Atk. with 36 Power to inflict divine attribute damage on the target. Affects undead.
35 Dryad Root 7 Magical 29 0 7,300 Immobilizes an enemy for 30 seconds.
35 Dryad Root 8 Magical 30 0 7,300 Immobilizes an enemy for 30 seconds.
35 Dryad Root 9 Magical 30 0 7,300 Immobilizes an enemy for 30 seconds.
35 Fast HP Recovery 1 Passive 0 0 21,000 HP recovery bonus increases by 1.1.
35 Fast Mana Recovery 2 Passive 0 0 21,000 MP recovery bonus increases by 1.5.
35 Group Heal 13 Magical 95 0 7,300 Restores the HP of all party members with 222 Power.
35 Group Heal 14 Magical 99 0 7,300 Restores the HP of all party members with 231 Power.
35 Group Heal 15 Magical 103 0 7,300 Restores the HP of all party members with 241 Power.
35 Heal 16 Magical 48 0 7,300 Restores the target's HP with 278 Power.
35 Heal 17 Magical 50 0 7,300 Restores the target's HP with 289 Power.
35 Heal 18 Magical 52 0 7,300 Restores the target's HP with 301 Power.
35 Light Armor Mastery 7 Passive 0 0 11,000 When light armor is equipped, P. Def. increases by 15, Casting Spd. increases by 91%, Atk. Spd. increases by 25%, and MP recovery bonus increases by 20%.
35 Light Armor Mastery 8 Passive 0 0 11,000 When light armor is equipped, P. Def. increases by 16.9, Casting Spd. increases by 91%, Atk. Spd. increases by 25%, and MP recovery bonus increases by 20%.
35 Peace 1 Magical 30 0 21,000 Puts target's mind at peace. Desire to attack is decreased.
35 Regeneration 1 Magical 30 0 21,000 Increases HP Regeneration by 10% for 20 minutes.
35 Robe Mastery 7 Passive 0 0 11,000 P. Def. increases by 20.5 when a robe is equipped.
35 Robe Mastery 8 Passive 0 0 11,000 P. Def. increases by 22.7 when a robe is equipped.
35 Sleep 7 Magical 29 0 7,300 Causes an enemy to sleep for 30 seconds.
35 Sleep 8 Magical 30 0 7,300 Causes an enemy to sleep for 30 seconds.
35 Sleep 9 Magical 30 0 7,300 Causes an enemy to sleep for 30 seconds.
35 Weapon Mastery 8 Passive 0 0 11,000 Increases P. Atk. and M. Atk.
35 Weapon Mastery 9 Passive 0 0 11,000 Increases P. Atk. and M. Atk.


text:
Can't you see how excited I am?
Yay! I finished my Sotherton. Despite my bemused expression, I am really happy with this knit (self-portraiture with my D80's remote is, as yet, unperfected). There were a few modifications (I can't even knit my own pattern "straight"!), since I chose this beautiful tosh vintage, instead of the tosh dk called for in the pattern. My gauge was a little different, but since I was happy with the fabric I was creating I used the numbers for the 2nd size (I'm really a Medium/third size) for the body and ended up using the smallest size for the sleeves but knitting them much longer thanks to my lanky arms. And I raised the back of the neck about an inch by working a repeat of the twist pattern back-and-forth across the back stitches and then picking up a few stitches at each edge before working the collar ribbing.
Don't forget: There's an ongoing Sotherton KAL in my Ravelry group - join us!
Isn't that Byzantine colorway lovely? And aren't you proud of me for not knitting a blue sweater for once? After a skein disaster I had on an upcoming pattern, where one sleeve ended up looking more washed out than the rest of the sweater, I alternated skeins on the body of this one and chose the matching-est skeins for the sleeves. In case you're wondering, I ended up ripping out both sleeves on the other pattern, reknitting them alternating skeins, and then reknitting the yoke, also alternating skeins. That was a major bummer, but worth it. Hopefully, you'll see the final product of that agony next week. I'm sending the pattern off to my new tech editor today and hope to have good photos in the next few days, weather and "personnel" (Nick and the girls) permitting.
And there are three other patterns with the tech editor. I've been dying to share them, but I've decided that "you never get a second chance to make a first impression" and I love when I release a pattern on Ravelry once it's all ready to go. That way you don't have to wait to buy it, and I don't have to create additional documents like a pre-sell version with specs and swatch information. I like it all in one place, tidy and ready to knit. I hope you agree.
OK. Off to work on the other photographed pattern so I can get it to the tech editor ASAP. It's in Bartlett Yarns, who will be at Rhinebeck next weekend, so I'd love to release the pattern before I head upstate. But it's a cable doozy, so there are a lot of i's to dot and t's to cross, plus it's the first pattern I've written with a hood. You're going to love it!
I love it! What a wonderful color on you!


text:
There are two types of dentistry that can be carried out. These include restorative dentistry and cosmetic dentistry. Restorative work aims to repair and protect damaged teeth, whereas cosmetic dentistry is performed solely to improve the visual appearance of the mouth and teeth.
Typically restorative dentistry is the type of dentistry that is used when you have an infection or when your teeth are in need of a little TLC. Cosmetic dentistry is something that a person chooses, rather than it being something that they have to have done. The most common forms of restorative dentistry include crowns and bridges.
While there are different types of dentists, most will easily be able to insert a crown onto the tooth. Designed to help strengthen and protect a partially damaged tooth, crowns usually require at least two appointments; depending upon the types of dentists you visit. This is because an impression of the teeth will first need to be made. The next step is to create a tooth and that happens in a laboratory.
Powdered stone and water are mixed together and poured into the impression. Once hardened an articulator connects the lower and upper ceramic teeth to mimic a jaw. Melted wax is then applied to the prepped tooth stump and it is then invested in high heat stone before being burned out and cast into a metal. It is then down to the technician to use various drills to contour the metal before it is masked out. Once masked out, porcelain is placed over the metal and that is what creates the lifelike copy of your tooth.
Bridges are used in restorative dentistry when there is a tooth missing in the middle of two other teeth. Bridges are used to literally “bridge the gap” between the teeth. In order to do this, crowns have to be fitted to the teeth at either side of the gap. The bridge will attach to these crowns and that will give the artificial tooth better support.
The main reason why you need to bridge the gap is because when a tooth is missing, the teeth either side of it can cave in. Up to five teeth could end up drifting so the need to fix the problem is quite pressing.
Altogether it can take up to 3 weeks to finish a bridging procedure. A temporary bridge is usually placed into the mouth while the permanent one is being created. An impression of your teeth needs to be made so that the bridge is created exactly right.
Overall restorative dentistry is designed to fix any problems that you may have with your teeth. Crowns and bridges are the most common forms of restorative treatments and different types of dentists will charge a different amount and take a different amount of time than the next.
Find out more about an excellent dental surgeon in Fourways, Gauteng that offers a variety of painless dentistry treatments to help your oral wellbeing.

industry_corpus2: Health & Medicine


text:
Spectrum refers to the frequencies which are used by various radio-communication services.
As Spectrum is a limited resource, IMDA plays an important role in the management and coordination on the planning, allocation and assignment of frequencies and ensure the efficient delivery of services such as mobile, fixed, satellite, short-range devices and broadcasting. In addition, the provision of services will be handled by Spectrum Monitoring, to analyse measurement results for better spectrum planning and to investigate on the interference cases.
Spectrum planning processes establishes the direction and cohesion for policy formulation, supporting future steps to achieve optimal spectrum use and creating a conducive regulatory environment. With the increasing demand for spectrum, spectrum planning is required to chart the major trends and technological developments to forecast the needs of current and future uses of spectrum in Singapore. Through spectrum planning, our programmes are conceived to harness and promote technologies that will support IMDA strategic thrusts.
To encourage the industry to conduct 5G technology and service trials in Singapore, IMDA will be waiving frequency fees associated with 5G trials. These trials will provide insights on how 5G will work in a real world environment and assist IMDA in developing the necessary policies to facilitate the deployment of 5G technology in Singapore.
In an effort to explore the deployment opportunities for this technology in Singapore, IMDA will be facilitating Li-Fi trials by waiving frequency fees to encourage interested companies to do so.
The forthcoming World Radiocommunication Conference will be held in 2019. IMDA has commenced our preparatory activities for this conference and will consult the industry and stakeholders through the Preparatory Working Group Meetings (PWGMs).
Since 2009, IMDA (then IDA) has established a roadmap to spearhead the development of a regulatory framework for White Spaces to promote the adoption and deployment of white space networks in Singapore.
For more information on the four programmes, please refer to the Spectrum Planning page.
IMDA allocates the right to use spectrum in Singapore through different methods, including auctions and assignments. The method by which different frequency bands are allocated for use is determined by the demand for the band, the potential uses of the band, and other properties of the band. View the auctions and assignments that IMDA (and then IDA) have undertaken for spectrum.
Spectrum Rights confer upon their owners the right to use specific frequency bands in Singapore, and set out the requirements and terms and conditions of use. Spectrum Rights are issued by IMDA pursuant to allocation methods such as auctions, assignments and transfers. View the list of Spectrum Rights issued.
IMDA manages the frequency allocation and assignment for commercial and government spectrum usage. The radio frequency spectrum is divided into bands, allocated for different type of services. For spectrum bands, recommended by the International Telecommunications Union (ITU), specific channeling plans may be adopted for assignment. Assignment refers to the subdivision of the spectrum in which a licensee is permitted to use part of the spectrum assigned to operate a telecommunication network on a specific channel or group of channels at a particular location under specific conditions.
As the radio frequency spectrum is a limited resource and increasing number of wireless mobile services, international coordination of spectrum is important as a part of the spectrum allocation process.
Find out more information on the management of Frequency Allocation and Assignment.
Spectrum Monitoring supports the overall spectrum management effort by providing general measurement of channel and band usage, including spectrum occupancy coupled with inspection and compliance, Monitoring aids in the identification and measurement of spectrum usage, interference sources, the verification of proper technical and operational characteristics of radiated signals, detection and identification of illegal transmitters. In conclusion, spectrum monitoring provides a feed-forward information to spectrum management thus producing data on the effectiveness of spectrum management policies.
For report on Radio Frequency Interference, please direct written email to spectrum_monitoring@imda.gov.sg.


text:
In the "10 In 2" article, Ben Pfahlert talks about his goal of trying to reach 10 people in 2 years with the gospel.
I have previously read of similar goals taken on by "trainees" - but that was talking about China! (see Brother Yun "The Heavenly Man"). I think they had a much high target, but they were going on a full time mission so that might be expected.
I think this general idea is good. Whether others make this commitment or a similar one is good.
Of course, a necessary factor is our dependence on God. God gives the results. It is God who draws people to himself. But on the other hand, not to plan, not to dream for God's Kingdom probably means that we are complacent or love this life too much, and possible have the wrong sort of dreams.
But is making plans like this risky? Should we aim at things we can't control?
(1) John Piper, arguing against the idea that God is a risk taker, says that we can be risk takers because God isn't. God is in control, he has our future in his hands, so what do we have to loose? We can only gain. If we loose friends and money in the process, then we haven't lost anything in eternal terms (c.f. 1 Cor 15). On the other hand we will be gaining "friends for life" - eternal life that is.
(2) Even though we can't control the out come, we have been given this mission anyway (Matt 28:18-20). But we need to say more. Some one has said "Failing to plan is planning to fail". Making goals and plans and praying about them helps us to focus, and be diligent. Yes, God can use us in unexpected ways, and despite our efforts, and using it all to teach us hard lessons. We might find there are hard lessons we need to learn before we can really go on with our plans. But these are not points against it. Paul made plans and was deliberate about using his time and energy for the gospel.
I have been forming plans in the back of my head, especially after using the "Christianity Explained" course. Maybe I should commit instead of letting them just float around.
Some other thoughts on hospitality and the gospel.


text:
This book was something of an oddity for me to pick up. I knew that I had read The Lost Art of Keeping Secrets before, I knew that I had finished it in a matter of days and I knew that I had enjoyed it. Could I remember a bloody thing about it? Not on your life. And that really puzzled me. I know that I tend to have a better memory of things after I've written about them, but even so, to forget so completely what the book was like was a feat of some magnitude matched only by my patchy recollection of my dad reading The Hobbit to me when I was very young. I picked this up mainly to find out what on earth my memory was playing at.
The Lost Art of Keeping Secrets follows Penelope Wallace, a young woman in the mid-1950s, as she tries to navigate her life with some semblance of decorum and just a little bit of daring. At home, she must contend with her pop-music obsessed younger brother and her incredibly beautiful and petulant widow of a mother on top of increasing debts that threaten to evict them from their ancestral home. But things start to change after she meets and, on a whim, decides to share a taxi with the chaotic Charlotte. She is in turn introduced to Charlotte's flamboyant aunt and her cousin Harry, who enlists Penelope's help in trying to win back the American woman he was previously wooing.
I think there are two main reasons why this book failed to stand out in my head. First, it's very much a slice of life sort of book. I have nothing against this style of narrative, but I personally find them a bit difficult to keep straight in my head. With the majority of plots, there's a clear progression of events and tangents tend to be few and far between, so it's easy to keep them neat and segmented in my mind. Slice of life narratives tend to lack these a little, so the story becomes fuzzier and vaguer in my head as time goes on; I'll remember little bits, especially as I approached them in the narrative, but the whole picture is patchy at best. It also makes plot summary paragraphs really difficult to write, so thanks for that.
The second reason that The Lost Art of Keeping Secrets was almost entirely forgotten was because it was, for lack of a better word, safe. There wasn't really anything that stood out as daring or exciting or really felt like it would have consequences. Instead it seemed to take place in a magical rose-tinted version of the 1950s, where youth and beauty is all you need to get ahead in life, where all the people that Penelope meets are utterly fabulous in some manner, and where all our aristocratic main leads aren't quite impoverished enough for surprisingly regular trips to Harrods to be out of the question. It has no real bite to it, but I don't think that this is necessarily a bad thing. I have used the term "popcorn book" before, and this is a prime example of that. It's not a book that you have to try particularly hard to read and can be perhaps inconsequential. It is a vital part of being a reader though, because it can get immensely tiring to always be reading intense, challenging books. And this one? As inconsequential as they come, but fun and charming enough that it doesn't matter at all when you're reading it.

industry_corpus2: Literature & Emotions


text: Best value home in British Properties. This 5 bedroom, 3 bathroom home is solid and well maintained. Offers you lots of privacy and charm. Very clean and good condition. Large backyard. Downstairs easily convert to suite, can be mortgage helper . Lots of potential. Easy to show. Walking distance to Chartwell School and Sentinel School. Open house Sunday, November 1st, 2-4 pm.


text:
Are you looking for an insurance broker job in Ontario? Do you live in the Toronto GTA area? Unsatisfied with what you currently do? Looking for a new career challenge? Have you considered insurance career as an insurance broker?
If you are ready to make a change and join a progressive company with strong earning potential and career growth opportunities, apply for insurance broker jobs with ThinkInsure.
Looking For A Job As An Insurance Broker In Toronto Or GTA?
ThinkInsure is a full-service independent insurance broker, based in Markham, Ontario. We are a leading independent insurance brokerage in Canada that is growing and looking to add to our team of insurance agents and brokers.
We're committed to the professional development of our brokers and insurance professionals in the ever-changing insurance industry. We offer a great team environment, the opportunity to work with the latest insurance technology and tools and a strong compensation package.
We want you to be part of our growing team. Learn more about ThinkInsure.
Why Consider A Job As An Insurance Broker?
It’s a stable industry : Insurance is not going anywhere and it is here to stay.
Countless career paths : Whether you want to be an insurance broker, agent, handle claims, be an underwriter or work as a customer service representative, there are many opportunities.
Competitive salary and benefits : Insurance brokers and insurance companies compensate well for top talent. Depending on your role, you can earn commission and bonuses on top of your base insurance broker salary.
Lots of opportunity : The aging workforce in the insurance industry is retiring. This has created a great opportunity for millennials, new grads, and experienced professionals to start and grow their careers.
What Are Some Jobs For Insurance Brokers?
However, some of the most popular, lucrative, and progressive insurance careers are insurance brokers, insurance sales, and producers.
An insurance broker is an insurance specialist who works independently or as part of a brokerage on behalf of many insurance companies. They act on behalf of their customers and help them identify insurance needs, get insurance quotes, and act as their liaison between insurance providers.
Insurance broker salaries in Ontario are based on a number of factors, including your level of experience, insurance broker level and job classification. The insurance broker salary range will vary based on your employer.
Brokerages offer competitive compensation packages and high earning potential through commission and bonuses. Employee benefits, insurance discounts and other perks are also included as part of your compensation package.
What Are Insurance Broker Sales Positions?
Insurance broker sales positions involve helping a brokerage or insurance company prospect and add new customers. You help potential clients by identifying their insurance needs and matching insurance products that address these needs. Networking and executing marketing and sales strategies is a key component of these roles.
Insurance producers are also commonly referred to as insurance agents or brokers. An insurance producer is tasked with selling insurance coverage for a variety of insurance products, personal and commercial lines.
Continue to read more to learn how to become an insurance producer and broker.
What Is The Difference Between Insurance Broker vs. Agent vs. Producer?
While an insurance agent typically works for a single insurance company, an insurance broker or insurance producer works for an insurance brokerage and can help customers compare insurance quotes and coverage options from multiple insurers. The real difference between these insurance job titles is who you work for. The actual work you do is similar.
The insurance industry is changing. There are new insurance products and coverage, new ways of doing business, and new career opportunities for insurance brokers and agents. This also means new types of insurance broker jobs and career paths for insurance professionals.
An insurance broker works as the intermediary between customers and insurance companies. You will use your knowledge of insurance products and coverage to help individuals find personal and commercial insurance policies that meet their specific needs. You will work independently and can offer insurance solutions from partnering insurance companies.
Much like insurance careers in general, there are many different types of insurance broker jobs. You could specialize in a particular type of insurance product, such as auto insurance or health insurance. Or you could focus on a specific job function, such as customer service or sales.
Assess insurance needs : Assess individuals insurance needs for home and car insurance, as well as commercial and life insurance products.
Coverage : Compare insurance coverage options from different insurance companies to help customers get the best insurance rates.
Advice : Answer questions, explain insurance policy terminology, and provide exceptional customer service.
Customer service : Assist with insurance policy renewals, coverage updates, and other administrative tasks.
Claims : Work with customers to ensure insurance claims are handled fairly.
Education : Continuous education about new insurance products, policies and processes.
Sales : Execute marketing and sales strategies to acquire new business.
What Qualifications Do You Need To Be An Insurance Broker?
Experience : As an insurance broker, insurance agent, or insurance advisor in Ontario.
RIBO licensed : RIBO licensed is preferred. We are willing to work with candidates to help them obtain a RIBO license if it’s required for the position.
Education : A college diploma or university degree is preferred.
Knowledge : A strong understanding of insurance policy, coverage details, and risk assessment.
A drive to succee d: We’re looking for proactive insurance professionals interested in taking their career to the next level.
Strong interpersonal skills – the ability to build trusting relationships with clients.
Strong sales and marketing skills – the ability to attract and retain customers.
Proficiency in MS Office products such as Word, Excel and Outlook.
Proficiency in Broker Management Systems and CRMs.
Insurance broker sales is a specific role that is focused on completing sales, adding new business and helping customers with their quotes. As part of your role, you will answer online inquiries and inbound calls, follow up on sales leads, provide insurance advice and offer an exceptional customer experience.
Insurance broker service jobs are focused on providing exceptional service and assistance to existing customers. You will assist customers with processing policy changes, addressing concerns, assisting with insurance claims and reviewing renewals.
As with other insurance careers, insurance brokers obtain a license. In Ontario, you will need to be licensed through the Registered Insurance Brokers of Ontario (RIBO). While not required, many insurance brokerages prefer candidates with a college diploma.
How Do You Become An Insurance Broker In Ontario?
Study for the licensing exam.
Pass the RIBO Level 1 exam.
Find a position at a registered insurance brokerage within 1 year of passing the exam.
Comply with RIBO continuing education requirements.
Exam fees and a criminal background check are also required.
Do I Need A RIBO License To Be Considered For Insurance Broker Jobs In Ontario?
Yes, in most cases. Most insurance brokers require you have a RIBO license to qualify. However, in some instances, brokerages may be willing to hire you without a RIBO licence if you meet all other qualifications and you are working toward getting RIBO licensed.
Why Work As An Insurance Broker At ThinkInsure ?
ThinkInsure is at the forefront of the broker model and continues to evolve and do things differently. We’re not your traditional brokerage. Our brokers are part of a strong culture that is focused on working hard, professional growth, helping people and having fun doing it!
The opportunity to work with a leading online insurance broker.
We are growing fast and offer lots of opportunities for career growth.
Progressive use of insurance-based technology.
Strong earning potential, including commission and bonuses.
We are committed to continued investment in insurance technology, giving you access to cutting edge insurance systems and best practices.
Career development and training programs – working as a broker is just the starting point of your career in insurance.
Are There Current Insurance Broker Job Openings?
ThinkInsure is always looking for top insurance talent. If you are an insurance agent, insurance broker, or are looking for insurance jobs, please check back regularly or submit your resume.
Start Your Insurance Broker Career Today!
Ready to take the next step in your insurance career? Interested in joining the ThinkInsure team? Please click below to apply for an insurance broker job at ThinkInsure.

industry_corpus2: Finance & Economics


text: Abstract : Determining the speed limit on road is a complex task based on the Highway Code and the detection of temporary speed limits. In our system, these two aspects are managed by a GIS (Geographical Information System) and a camera respectively. The vision-based system aims at detecting the roadsigns as well as the subsigns and the lane markings to filter those applicable. The two sources of information are finally fused by using the Belief Theory to select the correct speed limit. The performance of a navigation-based system is increased by 19%.

industry_corpus2: Transportation


text:
Pinterest apps for tablet and mobile phones are limited because they don’t offer the developers a third-party and a robust development platform. For a very long time, Pinterest only provided a mobile app for IOS devices only. But in 2012 August they released new apps for Windows and Android devices as well. Both apps can be downloaded from the Pinterest mobile app website.
The Pinterest app was designed explicitly for all Android devices. The Pinterest apk on Android devices makes pinning smooth and speedy, and it also covers most of the functions available on the official website. The Android Pinterest has some certain flaws like not being able to change descriptions or edit on your image board or also not able to edit your profile from the app. The Pinterest application for Android can be downloaded from Google play or the Pinterest official website.
Pinterest released an IOS version of the Pinterest in 2011 and made an upgrade in 2012. The IOS version of the Pinterest gives you access to everything on the official website. You can also access your registered account with your IOS device, or you can merely check images if not registered. The images are large enough for you to see them. The 2012 upgrade gives you access to view more pins all at once. The IOS version is an improved experience since it was nicely focused. The IOS device gives you short court access to Profile, Explore, Activity, and Camera.
There is no option to give a caption or comment.
Can’t change the boards cover.
Can’t rearrange the order of pins.
The Pinterest app for both IOS and Android devices earns high rating for responsiveness, for visual design, but also loses credit for not adding some ideal functionality.