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Glenwoods North - Sta. Lucia Land Inc.
“A community where the family can grow and celebrate life”.
Discover your own special place in a quiet community ideally located along the Caysio Road in Sta. Maria, Bulacan. Live to the fullest in a home in the midst of nature’s beauty. Take pleasure in family get-togethers at the clubhouse, in a relaxing dip in the pool, in a leisure stroll on paved sidewalks lined with shade trees, or in a bicycle ride in the cool afternoon breeze.
Welcome to an exclusive community built for gathering, sharing and loving. Come home to Glenwoods North!
Take Turo Underpass to Gov Fortunato Halili Avenue, then take Santa Maria Bypass Road to Caysio Road in Santa Maria then turn left onto Caysio Rd where Glenwoods North is situated. Approximately 20 minutes’ in 6 km drive via Santa Maria Bypass Road.


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iOS 7.1 or above; Android 4.4 or above, Bluetooth 4.0 (Cannot work with Samsung J3, S7, Windows Phone, Computer or Tablet).
Work with app "VeryfitPro" only. others are not compatible.
✔ Replacement straps in three colors, better match your outfit under different occasions.
✔ Easily check SMS, SNS and any alerts, including Facebook、Twitter、WhatsApp、Linkedin、Instagram、Messenger、Viber、Skype、KakaoTalk、VKontakte and ect. Decline incoming calls by long press touch button (only works on iPhone).

industry_corpus2: Computing & Telecommunications


text: Volkswagen Youtube Channel - I realize that you're seeking articles on our blog within the headline Volkswagen Youtube Channel of choices of articles that we got. If you are trying to find Volkswagen Youtube Channel article and you fails to dwell right here, you can see from several of the articles that may suit your needs right down below. We are going to help you to get articles Volkswagen Youtube Channel you're looking at some of our content which might be suitable as you are looking for the material.

industry_corpus2: Automobiles


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When I first started Family Friendly Frugality, I knew I wanted to approach frugal living from a very relaxed and welcoming mindset. I wanted to create a blog about frugal living that didn’t leave people feeling overwhelmed or less than when they walked away.
The main complaint I hear about saving money nowadays is that it is too darn overwhelming to know where to begin. If you have $20,000 in credit card debt, is clipping a few coupons realistically going to make much of an impact to your bottom line? If you are drowning in student loans and house payments, is living within your means even possible?
The answer to all of the above is yes. While the small things you do might not add up to financial freedom, they do make a big difference. Some of them will chip away at your debt or create more wiggle room in a tight budget. Some of them will simply give you more confidence and a self esteem boost, proving to yourself that you can save money!
FFF has really grown over the past few months, so I thought it would be a good time to share some previous Make a Change Monday tasks! Don’t feel overwhelmed or like you need to implement everything in one day. Take it slowly and go link by link!
Make a Menu Plan & Stick to it Like Glue!
Print Some Coupons & Score Some Freebies Hurry!
What kind of small changes have you made in your life that have made a BIG difference?
Your subscribe link is not working, just thought you would want to know. Have a great day!!!
After 17 years my husband and I decided it was time for me to stay at home and serve my family in a more meaningful way. It has been a huge financial sacrifice but one I do not regret. To cut spending I have been a coupon clipping mom to start. I gave up my Starbucks habit and I’ve started Christmas shopping early, looking for deals and storing gifts away. My goal is to have all my Christmas shopping done by the end of November. I haven’t looked back yet, wishing we had the income we relied on before. Now I relish everyday I get to pick up the kids from school, put dinner on the table at a decent hour and every moment I have with the kids and my amazing husband because I’ve missed so much over the years.
We moved to a small town and sold our car, now the only way to get anywhere near a shopping mall is through an hour long bus ride, which isn’t easy with kids. Although groceries cost a little more at the store here, than what we used to spend in the city, we are not constantly tempted to buy the newest, latest, and greatest gadgets and doohickeys.

industry_corpus2: Finance & Economics


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From Ancient Greek τραχεῖα (trakheîa, “windpipe”) + -ophyta; compare English trachea (“xylem vessel”).
The vascular plants or tracheophytes.
A taxonomic division within the kingdom Plantae.
A taxonomic phylum within the superphylum Embryophyta.
New scientific findings have changed the system of taxonomic classification especially on its higher levels and this term may be considered dated in some classification systems.

industry_corpus2: Others


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As we get older we all suffer from memory ‘lapses’ occasionally. Whether it’s forgetting our keys, trouble remembering certain people’s names or those moments where you’re telling someone about something that’s happened in your life and then, all of a sudden, you forget what you were trying to tell them.
All these lapses are normal and it doesn’t mean that you’re ‘losing your marbles’ even though you may be getting older. However, mental stimulation does have a powerful effect on keeping your mind healthy, in later life particularly, and certain studies have shown that leading a mentally stimulating life in your later years can have a positive affect on reducing the chances of you suffering from Alzheimer’s or dementia.
If you suffer from stress to any great degree, you should try to find a solution that will help to relieve you of it as stress, especially if it’s ongoing or prolonged, can have a detrimental effect on your mental well-being and can lead to problems with anxiety and depression.
Saturated fats are one of the key ingredients in increasing the rate at which your brain declines and they’re not good for you physically either. You should adopt a diet rich in oily fish, soya based products, leafy green vegetables and fruit, particularly oranges – all of which have been found to be of great benefit to your brain and nervous system. As with most healthy food recommendations, you should combine this with regular physical exercise because, as you get out of breath and your blood starts to be pumped around your body much faster, this in turn carries more oxygen and nutrients to your brain. Bad diet, little exercise and a general apathy towards the entire ageing process can often lead to depression and anxiety, both of which are not good for your mind.
To keep the mind healthy, however, it’s important that you do lots of stimulating mental exercises and by varying these, it will improve your memory and help to keep your mind sharp and active.
Test your memory by trying to go to the shops without a shopping list. Write down the list as usual and see how many of the items you remembered to buy without referring to the list.
Just like any muscle in your body, you need to exercise your brain regularly and provide it with stimulation if you want it to work properly. Just as muscles lose their strength so can your mind if you don’t pay it enough attention. Having an active and healthy mind will give you a positive outlook on life with the result likely to be that you’ll live a happier life and live it longer.

industry_corpus2: Health & Medicine


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Dr. Lindeman has over 30 years of experience in early childhood, special education, program evaluation, and university-based project development, implementation and management. He has directed a variety of grants including model demonstration projects, outreach training programs, in-service training programs for early intervention and preschool programs, training/TA and referral programs for child care providers and families, and inclusion of children with disabilities into community programs. He has been the director or co-director of over 50 federal and state grants.
Member, Early Learning Services Unit, Kansas State Department of Education, 2009-2015.
Member, Advisory Group, ECTA System Framework Personnel Component, Early Childhood Technical Assistance Center, 2013-2015.
Member, ECCS Advisory Committee, Early Childhood Comprehensive Systems (ECCS): Building Health Through Integration, (KIDOS Grant) Kansas Department of Health and Environment, 2013-2016.
Member, ECCS Advisory Committee, Kansas Initiative to Develop and Optimize Systems for Early Childhood, (KIDOS 2 Grant) Kansas Department of Health and Environment, 2016-2019.
Member, Mid-America Regional Council (MARC), Workforce Development Technical Group, 2016-Present.
Member, Mid-America Regional Council (MARC), Higher Education Workgroup, 2017-Present.

industry_corpus2: Subject Education


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Are you looking for anxiety counselling in Palmerston North? Are you mega stressed, and worried? Is anxiety running/ruining your life? Do you get sweaty palms, a racing heart and have difficulty breathing sometimes?
You are not alone. For anxious people there is no inner calm, no relaxation, no peace in their life. You may also have panic attacks, which are often truly frightening experiences.
My name is Mayan Schraders, professional member of the NZAC. I have a lot of experience with stress and anxiety.
The good news is that there are ways in which you can learn to respond in a much calmer manner to those uncertainties and stressors of everyday life. As a result of the latest brain research we understand about connections the brain makes at times of stress.
These connections are not always helpful despite being driven by our hardwiring to protect ourselves. We could call them “coping pathways”. Using that knowledge I am keen to help you explore which strategies and techniques work best for you to help you achieve a calm(er) state of mind and being.


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That mythical street between L and K is a metaphor for all that should be in the nation’s capital but isn’t: voices marginalized or ignored, ideas too radical or unpopular for the mainstream, movements elided or dismissed.
According to the English alphabet, the letter J comes after the letter I and before the letter K. The "J Street" blog has been active since February of this year. Perhaps someone should tell The Nation.


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I've been reading your site for over a year now and had not yet read this post. But, wow. It is exactly what I needed to read this morning. I may not necessarily find fault with other's religions, but I do look for cracks in their character, and I'm sad to report that I revel in gossiping about said flaws. This, too, is participating in that cycle of pain. I need to extract myself from it.
I highly recommend watching the Chodron interview if you have the time–she's amazingly insightful.


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To download your free copy, go to http://get.adobe.com/reader.
Click on the date of the bulletin you would like to see.


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Which Automakers Use Laminated Glass to Reduce the Risk of Exploding Sunroofs?
As car sunroofs have expanded in size in recent years, they’ve also become more prone to a terrifying potential hazard: suddenly exploding, often with no apparent cause. Some automakers, such as Tesla and Volvo, whose XC-60 is pictured above, say they are turning to a simple fix that can reduce that danger: using laminated glass, the same kind required for windshields.
But several carmakers say they use that kind of glass in only some of their sunroofs—and won’t identify which models have it and which ones don’t. And others say they don’t use laminated glass in any of their sunroofs, instead still relying on tempered glass.
That’s according to new information from a U.S. Senate probe, which was initiated in response to an October 2017 Consumer Reports investigation into exploding sunroofs.
Some of the automakers told the two Senate investigators—Richard Blumenthal, D-Conn., and Edward Markey, D-Mass.—that they support the creation of industrywide standards for the glass used in sunroofs. Sen. Blumenthal says that if more automakers don’t take action on their own to protect consumers they’ll seek legislation requiring it.
CR’s 2017 investigation into exploding sunroofs identified at least 859 accounts in the National Highway Traffic Safety Administration database. These complaints represent 208 models and 35 brands. Although they stretch back more than 20 years, the frequency of reports started to increase sharply after 2011, when models with large sunroofs started to become increasingly popular.
Laminated glass—two panes fused by a sheet of plastic—is designed to hold its form even when shattered, and can reduce the risk of ejections. Tempered glass, the kind used in side and rear windows, is safer than regular windowpane glass because it’s designed to break into small pieces, not shards. But when it fails, it can explode suddenly, causing thousands of pieces of glass to rain down at once.
Three automakers—Ferrari, Tesla, and Volvo—told the senators that all their cars with panoramic sunroofs have laminated glass.
When CR analyzed reports in the NHTSA complaint database last year, there were no documented instances of Ferrari or Tesla sunroofs exploding. Volvos had nine complaints over a 20-year period.
In letters to the senators and emails to CR, five other manufacturers said they use laminated glass in at least some models. Of those five, Honda, Jaguar Land Rover, and Subaru identified which models used laminated glass. The other two—Ford and Nissan—did not.
Seven manufacturers—BMW, Fiat Chrysler, General Motors, Hyundai, Kia, Mercedes-Benz, and Volkswagen—said they still used only tempered glass.
Mazda said that it uses tempered glass in its sunroofs but that none of its cars have panoramic sunroofs.
Below are more detailed answers from each of the car manufacturers to the senators and to CR, grouped by which kind of glass they use in their panoramic sunroofs.
Ferrari: The Italian sports car manufacturer says that only a few of its models have panoramic sunroofs but that all of those that do use laminated glass.
Tesla says all its vehicles, including this Model 3, use laminated glass.
Ford: The company declined to say which models have laminated glass or explain why it chooses that kind of glass for some models and tempered glass in others.
Honda: The company says its only vehicle currently for sale with a panoramic sunroof, the Pilot SUV, uses laminated glass. The now-discontinued Acura ZDX used tempered glass. In response to CR’s questions, Honda said the choice of glass varies from model to model.
Jaguar Land Rover: The company said it uses laminated glass for sunroofs in its Discovery, Discovery Sport, Evoque, Velar, E-Pace, F-Pace, XE, XF, and F-Type vehicles. Other models use tempered glass with a plastic film on the inside surface.
Nissan: The automaker said most of its models use tempered glass but declined to say which ones have laminated glass. “Both types are safe,” it told the senators. The company said the choice depended on factors such as noise, vibration, and light.
Subaru: The company uses laminated glass for panoramic sunroofs in its Forester and Ascent models, and said that in vehicles with large sunroofs, “the laminated glass can help minimize chances of occupant ejection.” Other models currently use tempered glass.
BMW: The company said all its panoramic sunroofs use tempered glass.
General Motors: GM told CR in January that it had started an internal review of its panoramic sunroofs but that it hasn’t made any substantial changes to the glass used in its sunroofs for several years.
Kia: The company, which had the second highest number of incidents in CR’s analysis, said that while tempered glass makes a loud noise when it shatters, there’s no evidence that it has led to loss of driver control or crashes.
Mercedes-Benz: A company spokesperson told the senators that of the nearly 900,000 of its cars on the road in the U.S., it knows of fewer than 80 instances where a panoramic sunroof was alleged to have spontaneously shattered. “Mercedes-Benz denies any allegation that panoramic sunroofs in its vehicles are defective,” it said.
Volkswagen: A spokesperson for Volkswagen said it was working with the Alliance of Automobile Manufacturers, an industry group, to evaluate new procedures to test the strength of panoramic sunroofs.


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The play’s leading character is Anda, a young Jewish woman from Cologne who survived thanks to a relationship with a young Wehrmacht officer who fell in love with her. They lived in a secret apartment rented by the German in Cologne, until the day he was sent to the Russian front. Before leaving, the officer provided her with false documents permitting her to escape Germany and live in Switzerland.
Original or Prominent Production: Love in Dark Times was performed in Drachengasse Vienna, Austria in 2005; Stadttheater Aachen, Germany in 2006; and Rotebühltheater Stuttgart, Germany in 2007.
Original Source Material: The plot of this play was inspired by the playwright’s meeting and talks in Wiesbaden, Germany, with a woman survivor of the Holocaust and her husband.

industry_corpus2: Film & Entertainment


text: Disclaimer: We daily update Samsung Galaxy Music Duos S6012 price in Pakistan by collecting price & specs from different dealers & mobile shops. However we can not guarantee that the price of Galaxy Music Duos S6012 on MobilesCorner is 100% correct. Visit your local market for exact cell phone cost & rate. Samsung Galaxy Music Duos S6012 price pakistan.


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Japanese carmaker Nissan plans to begin producing small cars and trucks in Myanmar with its Malaysian partner later in 2013, Nikkei newspaper reported on September 16.
The report said that Nissan together with Malaysia’s Tan Chong Motor Holdings Bhd will jointly produce “several thousand” small passenger cars and pickup trucks a year in Myanmar.
Nissan would be the biggest carmaker so far to start production in the country. Car ownership was only about 2.36 million units as of 2012 in a country with a population of roughly 60 million. Huge import taxes and the requirement to pay for imported cars in hard currency made vehicles far too expensive for most people.
Apart from Nissan, Suzuki lately announced the restart of production in Myanmar, and Ford said it would open a showroom. Chinese carmaker Chery has commenced assembly of its first cars in Myanmar in June 2013 and plans to build between 3,000 and 5,000 vehicles annually. India’s Tata opened a showroom in Yangon in April 2013.
Mitsubishi Motors said in January 2013 that it will open three after-sales service centers, while Toyota is reportedly studying vehicle manufacturing in Myanmar. Honda has teamed up with Myanmar Diamond Star to set up sales outlets and is exploring possible investment into car manufacturing.


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In the second term of the Abe administration, “Abenomics” (portmanteau Abe and economics), which Prime Minister Abe Shinzo himself created, became a famous concept throughout the world. Abenomics indicated Abe’s economic policy, containing three main parts: the Japanese quantitative easing (QE) system of printing massive quantities of Japanese yen (just like the American QE system provided by Federal Reserve Chairman Ben Bernanke), a large stimulus package, and the Trans-Pacific Partnership. However, not as many people are familiar with “Abenopolitics” — portmanteau Abe and politics — referring to Abe’s political policy. Abenopolitics can also be characterized by three elements: leaning toward the United States, creating anti-China networks, and denying World War II (WWII) history.
Two arguments have emerged within the intellectual community regarding Abenopolitics: the “demand” of an apology for Abe and the “no-win” situation for Abe. The former was proposed by Alexis Dudden from the University of Connecticut, who organized 20 American historians and published an open letter to the American Historians Association in March denouncing Abenopolitics, citing Abe’s revisionist view of WWII history, such as the New York Japanese Consulate General demanding that McGraw-Hill publishing company correct the depiction of comfort women. The latter was brought forth by Nancy Snow, a recipient of the Abe Fellowship, who wrote a piece entitled “Branding Japan beyond Abe” in the Japan Times in May, arguing that “Whatever Abe says, he will be met with a lot of negative pushback. It’s a no-win for him.” Since then, Abe attended two important international activities: the Bandung Conference on April 22 and the Joint U.S. Congress on April 29, something his grandfather, Nobusuke Kishi, had never accomplished in his lifetime.
In fact, Prime Minister Abe is going to deliver a speech on August 15, 2015, on the 70th anniversary of Japan’s unconditional surrender, based on his speeches to Congress and during the Bandung Conference (According to the Japanese media he might even make his “personal” Augut-15 statement without the Cabinet approval). Unfortunately, the first-ever Japanese prime minister to give a Joint Congressional speech has serious problems, including revisionist views of the war.
In the beginning of his speech, Abe mentioned some politicians and diplomats, including Caroline Kennedy, who have brought “democracy” to Japan. However, he never mentioned Mike Honda, who has been leading the demands for Japan’s apology to comfort women. He totally ignored Congressman Honda’s presence, as if Honda were not a member of the U.S. Congress. In addition, Abe has never mentioned General Douglas MacArthur, who was the real commander-in-chief of the Allied Powers, imposing American values including democracy on Japan during nearly seven years of occupation. MacArthur is the actual figure who brought democracy to Japan.
Source: Protesters are in the front of the U.S. Congress where Abe is given his speech.
Second, Abe mentioned democracy in Japan, but he has never stated why and how that democracy was imposed by the United States, because the Rising Sun had invaded and abused many people in the world during wartime. That is, the democracy in Japan did not originate from the Japanese themselves but was imposed by the Americans. Next, in his speech, he states that “History is harsh. What is done cannot be undone.” Well, if he really believes that “history is harsh,” he should at least acknowledge the Japanese imperial army’s brutality carried out during WWII. Even though the prime minister expressed his “eternal condolences” to American soldiers, his apology was insincere and merely paid lip service. Just as with the expression of “deep remorse” over the Japanese war, Abe was merely upholding the view of previous prime ministers, meaning the Murayama statement in 1995. If he really believes, as he stated in his speech, that “We have come all this way. I am proud of this path we have taken,” he should declare that he will uphold Article 9 of the Japanese constitution forever.
Third, introducing Lt. Gen. Lawrence Snowden is shameless for Abe’s revisionist view of history. Trying to “justify” the Japanese military battle of Iwo Jima is not right. Snowden’s personal opinion cannot be “reconciliation” between invader and victims because the aggressor (i.e., the Japanese government) has not sincerely apologized to the victims. In addition, Abe brought out General Tadamichi Kuribayashi, who was the commander of the Japanese garrison during the Iwo Jima battle. How could he bring out General Kuribayashi, who probably killed as many American soldiers as he could in Iwo Jima, to claim a “bonding in spirit” between American and Japanese soldiers? It is totally shameless trying to justify what the imperial Japanese army did during the war.
Fourth, “We must … seas of peace and freedom, where all follow the rule of law. For that very reason we must fortify the U.S.-Japan alliance. That is our responsibility.” Since the 1970s, Japan has ensnared Washington into the Sino-Japanese territorial conflict regarding the Diaoyu/Senkaku Islands. Putting the responsibility on the U.S. side is Abe’s victory. Unfortunately, not many Americans, including those in the media, politicians, bureaucrats, and academia, realized this fact.
Fifth, Abe shamelessly stated, “To turn around our depopulation, I am determined to do whatever it takes. We are changing some of our old habits to empower women….” Two points here: First Abe himself has contributed to the depopulation in Japan because he has neither “produced” any children himself nor adopted any children. If he really meant “whatever it takes,” Abe should pass a bill that would allow all children, from elementary school to graduate school, to attend school for free (just as in Norway and Sweden). He can do it because his party (i.e., the Liberal Democratic Party) has the majority vote in both houses.
Finally, Abe shared a Carole King song to conclude his speech because Japan faced the darkest night on March 11, 2011. It is totally wrong that he claimed “a nuclear accident” in Fukushima because it was his LDP party, once again, that brought the nuclear power plants into Japan, particularly former Prime Minister Yasuhiro Nakasone. It is also his party that is responsible for creating the “Japanese Pentagon” — politicians, bureaucrats, businessmen, media, and scholars — which has acted with “mafia like fraud” because it brainwashed the Japanese citizens from the 1950s to 2011. Even today, Abe, along with many members of the LDP, still insists on restarting the most dangerous nuclear power plants even though the Fukushima mess has not been cleaned.
In the end, Abe’s speech was problematic as he took a revisionist view of history. Abe was shameless to make such a speech when President Franklin Delano Roosevelt had declared war on Japan after the latter had launched a lightning attack on Pearl Harbor in 1941. Furthermore, House Speaker John Boehner made a serious mistake by inviting the Japanese prime minister and giving him the opportunity to speak to the American people at one of the most sacred places in the United States. Now Abe will be compared to respected world figures, such as Winston Churchill, Charles de Gaulle, Yitzhak Rabi, Nelson Mandela, Lech Walesa, and Corazon Aquino, who also gave speeches to the Joint U.S. Congress. Has Abe’s work to this point qualified him to be in the same category as those esteemed world figures?

industry_corpus2: Politics & Administration


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Lauren Sudeall Lucas is the Faculty Director of the Center for Access to Justice at the Georgia State University College of Law. She serves on the American Bar Association's Standing Committee on Legal Aid and Indigent Defendants and on the board of directors of the Southern Center for Human Rights. She has received research funding for a study regarding the civil legal needs of indigent criminal defendants from the Charles Koch Foundation.
Darcy Meals is the Assistant Director for the Center for Access to Justice at Georgia State University College of Law and is the co-chair of the Leadership Council for the Southern Center for Human Rights.
Judge Richard A. Posner, a legendary judicial figure, retired abruptly earlier this month to make a point: People without lawyers are mistreated in the American legal system.
Unfortunately, Davis’s circumstances are far from unique. Many lower-income people have no lawyer to help them navigate the legal system, either in civil or criminal cases.
Eighty percent of state criminal defendants cannot afford to pay for a lawyer, and only those who are actually incarcerated are constitutionally entitled to appointed counsel. Many people facing misdemeanor charges can, if convicted, be subjected to significant fines and fees, or face the loss of benefits (including housing) or deportation. Yet, they have no right to an attorney, and those who cannot afford a lawyer will go without one.
Unlike in the criminal context, there’s no federal constitutional right to counsel in civil cases. Civil cases can involve a range of critical issues, including housing, public benefits, child custody and domestic violence. And while some civil litigants may be entitled to counsel in certain jurisdictions, in most of these cases, people who cannot afford a lawyer will be forced to go it alone. Doing so may mean that they fail to make it through the process, have their case dismissed or lose what otherwise would have been a winning case.
As directors of the Center for Access to Justice at Georgia State University College of Law, we agree with Judge Posner. People like Michael Davis desperately need help. Without legal assistance, their issues will likely be unresolved or, worse, wrongly resolved against them.
In some states, as many as 80 to 90 percent of litigants are unrepresented, even though their opponent has a lawyer. The number of these “pro se litigants” has risen substantially in the last decade, due in part to the economic downturn and the relationship between poor economic conditions and issues like housing and domestic relations.
The Legal Services Corporation, the single largest funder of civil legal aid for low-income Americans in the nation, reported in June that 86 percent of low-income Americans receive inadequate or no professional legal help for the civil legal problems they face. Here in Georgia, state courts heard more than 800,000 cases involving self-represented litigants in 2016 alone.
In some types of cases, not having counsel can make a dramatic difference. Take the example of low-income tenants facing eviction. Across the county, roughly 90 percent of landlords are represented by counsel, while 90 percent of tenants are not. Simply having a lawyer increases the odds of being able to stay in one’s home. When tenants represent themselves in New York City, they are evicted in nearly 50 percent of cases. With a lawyer, they win 90 percent of the time.
Why is having a lawyer so important? The reality is that even the most mundane legal matters can require dozens of steps and complex maneuvering.
In one study, researchers identified almost 200 discrete tasks that self-represented litigants must perform in civil cases – from finding the right court to interpreting the law, filing motions, compiling evidence and negotiating a settlement. Some of these tasks require specialized knowledge of the law and of the court system. Almost all require time away from work and caring for children. Many also require the ability to get to the courthouse, to read and to speak English or access a translator.
The Access to Justice Lab at Harvard Law School has also tracked how labyrinthine the justice system can be. Just starting a routine process – like establishing a legal guardian for a minor – can take many steps, and even these can vary in unexpected ways, given the natural variation among judges and the particulars of a specific case.
Regardless of the type of case, missing just one step could mean you have to start the process all over again or even cause the case to be dismissed, sometimes without the option to refile.
People often quip that there are far too many lawyers. Yet the reality is that, while there are a lot of lawyers in certain geographic areas and certain specialties, in many rural areas – sometimes referred to as “legal deserts” – there are actually far too few lawyers.
Our center recently published a map of Georgia’s legal deserts. In our state, there are five counties without any lawyers at all and another 59 with 10 lawyers or fewer.
To make matters worse, in many of those counties, public transportation and internet access are sparse, and a significant percentage of the population doesn’t even have access to a vehicle.
The Self-Represented Litigation Network, a nonprofit focused on reforming the system to help those representing themselves, has also used mapping tools to depict how access to the justice system can vary across the country and sometimes even within the same state.
So, what do we do about the fact that the legal system is, for many people without a lawyer, nearly impossible to navigate? We believe that it will take a variety of different approaches to solve this issue.
Some experts, like John Pollock with the National Coalition for a Civil Right to Counsel, have focused on expanding the right to counsel in civil cases implicating basic human needs. Others have advocated for expansion of the right to counsel in lower-level criminal cases where the consequences – including obstacles to housing or employment, or deportation – can still be incredibly high.
In Washington, nonlawyers can be trained and licensed to offer legal support to those unable to afford the services of an attorney.
Still others, like Self-Represented Litigation Network founder Richard Zorza, emphasize simplification of legal processes, including changing or eliminating the procedural and evidentiary rules that make the process so difficult. For example, the Tennessee Supreme Court has approved plain-language forms and instructions, written at a fifth- to eighth-grade reading level, for use in uncontested divorces between parties with minor children.
Maybe it’s a matter of increasing available self-help resources or placing the onus on the courts and requiring judges to play a more active role in solving the problem.
Which approach is best? It may depend on the case – and an effective solution will include a combination of the above. Some cases will require nothing less than full-service representation by a lawyer, while in other contexts, streamlined procedures and simpler forms may be sufficient for pro se litigants to get a fair shake.
Whatever the solution, the problem is clear: Self-represented litigants’ grievances are real and, for too many, justice is out of reach.
Is the Supreme Court acting less like a court?
What is a cohabitation agreement and do I need one?

industry_corpus2: Law & Justice


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Palestinian children in East Jerusalem exposed to "various forms of violence"
Silwan, Jerusalem. Photo by Marta Vidal.
On an early Saturday afternoon, Nour, 16, watches his friends chatting in front of his backyard in a gritty neighborhood of Beit Hanina, few kilometers away from central Jerusalem.
Nour, who spoke to the Palestine Monitor on the condition of anonymity, has been under house arrest since last July on suspicion of throwing stones. Since then, he has been allowed to go out twice a week, two hours each time, and always accompanied by his father. For this reason, he is unable to go to school.
Nour's mother, Abir, says he is held under indefinite house arrest until the end of the legal procedure. Until now, the family has served twenty court hearings.
"I think my future has already finished," says Nour.
Nour is among approximately 700 Palestinian children arrested, interrogated and prosecuted in the Israeli military judicial system each year. As of February 2016, Addameer, a Palestinian human rights NGO, recorded that 406 Palestinian minors were being kept in Israeli prison. House arrest, however, is a common and unique punishment for Palestinian juveniles in East Jerusalem.
Unlike the West Bank, East Jerusalem is compelled to Israeli civil and security control. Palestinians living in the area are granted status as permanent residents of Israel, they are obliged to Israeli law, without having official Israeli citizenship.
Directly subject to Israeli law, Palestinian children in East Jerusalem are placed among the most vulnerable groups of children in occupied Palestinian territories. In November 2015, the Knesset drafted law that imposes custodial sentences on children as young as 12, who are convicted of “nationalistic-motivated” violent offenses. The proposed bill targets Palestinian children in Jerusalem and Palestinian citizens of Israel.
"If we take East Jerusalem as a case, [Palestinian] children live in an atmosphere filled with Israeli settlements and checkpoints,” Bashar Jamal, Advocacy Officer for Defense for Children International Palestine (DCIP), tells the Palestine Monitor.
“This exposes them to various forms of violence, such as being attacked by settlers, or being shot by Israeli army during protests," he adds.
A 2013 UNICEF report titled “Children in Israeli Military Detention” found that Israel's detention of Palestinian children violates both the Convention on the Rights of the Child and Article 76 of the Fourth Geneva Convention.
The report concludes that "ill-treatment of children who come in contact with the military detention system appears to be widespread, systematic and institutionalized throughout the process."
In East Jerusalem, the arrest of Palestinian children also contravenes the Israeli Youth Law, which theoretically renders Israeli and Palestinian children "equal" under legal protection, Bashar explains.
The Israeli Youth Law, as amended in 2008, stipulates that a minor is entitled to have a parent or relative present at the interrogation. The law further states that the child should not be arrested if the objective can be achieved in a less harmful way and that night arrests should be avoided.
When it is applied to Palestinian children, however, exceptions have become the norm, and official statistics suggest a different reality.
DCIP's latest findings based on testimonies of 65 Palestinian children in East Jerusalem detained between January and December 2015, show that a majority of children - roughly 90 percent - were arrested from homes, handcuffed, interrogated without the presence of their parents and forced to sign documents in Hebrew.
An alarming rate among those, almost 40 percent, were subjected to both verbal and physical abuses during interrogation. The most common charge for Palestinian minors, Bashar says, is throwing stones.
Throwing stones, as a specific offense, can risk up to 10 years in prison, according to the new law. "All of this is in order to restore quiet and security throughout Jerusalem," Israeli Prime Minister Benjamin Netanyahu said at the time of the law’s introduction.
Nour's mother, Abir, shows a stack of notices the family have received in the past months. Everything is written in Hebrew, but no one in the family speaks the language. Photo by Bao Yen.
News of arrests in Beit Hanina is routine. Out of Nour’s group of friends, all have either been jailed or placed under house arrest for throwing stones. Nour's psychologist, Reem Sadaa, says his condition has worsened over the past month, as most of his friends have finished their sentences, while Nour's judgment is still unclear.
Israeli forces entered Nour's house on a June evening last year, around 9.30 p.m. He was taken to a police station in Jerusalem, where he was imprisoned for two weeks without trial.
"When I was arrested, I felt like the end of the world. They beat me during the interrogation. They beat me when I was alone. They beat me when I was in prison with a group," Nour says of his time in prison.
While in prison, he was given a document in Hebrew without any explanation, and was forced to sign it.
Nour often appears distracted. He nervously bites his fingers. Nour says whenever he is angry, he punches his hand to the wall, as a way to unleash his feelings. Nour's psychologist says he displays symptoms of PTSD, or Post-Traumatic Stress Disorder.
"[Israeli detention] is traumatic. We have worked with many children who have symptoms of PTSD after their arrests or detention," Ibtisam Adileh, Supervisor of YMCA's Rehabilitation Program in East Jerusalem, tells the Palestine Monitor.
EJ YMCA provides psychological counseling for children who are under house arrests or who suffer PTSD due to their experiences being imprisoned. Their rehabilitation program also works with the child's family and their community to facilitate their reintegration into the society after the arrest.
Reem, also a staff at EJ YMCA, says many of her other clients who are Palestinian children who have been previously detained have developed depression with an avoidance tendency when they are returned to the society.
Back in Nour's house, Abir, his mother, shows the Palestine Monitor a stack of notices sent to the family from the court. Everything is written in Hebrew, and none of the family members speaks the language.
Abir says that Nour's detention has changed the whole atmosphere in the family. Nour sometimes yells back at his mother and starts throwing objects on the table whenever he suffers from anxiety. Abir has become so stressed with the situation that she herself also has to seek help from psychiatrist.
Nour's next court session - the twenty-first - is scheduled for the following Thursday. The court told the family that this time there would be witnesses, but Nour says he will continue to deny the charge. Abir, however, is not so confident. "I don't want my son to go to prison," Abir breaks down in tears.


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The bike washed up on British Columbia's Haida Gwaii islands, in a large white container where its owner had kept it. Ikuo Yokoyama, 29, who lost three members of his family in the March 11 tsunami, was located through the license plate number.
"I'm very thankful that it came back," he told public broadcaster NHK. "I would like to thank the man who found my bike in person, but because it's hard to do that, I'd like to thank him here right now."
Peter Mark, who spotted the bike first, told CBC that he was exploring a beach on one of the islands when he saw a motorcycle tire popping out of the container.
"I gotta say, the first thing that popped into my mind when I was looking at the scene [was] I really wonder what happened to this person. I really hope this person is OK," Mark told CBC. "It's quite a shock to actually see it and to actually walk into it. ... [It's] quite an eerie feeling, knowing what happened to Japan and to those people. It kind of hits home quite a bit."
Harley Davidson is working through a local distributor on Vancouver Island to return and restore the rusted bike to Yokoama, who is living in temporary housing.
Yokoama told Japanese media he bought the bike about five years ago and had been using the white container as a garage.
Objects from the Japanese tsunami have been washing up with growing incidence on the west coast of Canada and the US. Recent discoveries include a soccer ball and a volleyball that were swept away in Iwate prefecture and washed ashore on Alaska's Middleton Island.
The Maritime Museum of British Columbia last week inaugurated the Tsunami Debris Project, an online attempt to gather pictures of flotsam that has washed ashore with the purpose to reunite them with their owners.
"The idea is to not only document, but to showcase them in an exhibit-type of way, and to tell the social and human side of the story with the idea that there might be a few items that come over that have some personal or sentimental value for these people that have lost everything," project coordinator Linda Funk told ABCNews.com.


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Yeyo Arts Collective: Celebrate Indigenous Holidays!
Celebrate Indigenous Holidays:Come celebrate the beginning of your Holiday season by witnessing the truth of others and telling your stories of survival and gratitude!
A playback performance consists of audience members telling true moments and stories from their lives and the actors and musicians playing back those moments using improvisation, theatre, dance, song and storytelling.
Playback Theatre performance is theme based and done to honor the essence of the stories told.
Playback Workshop Theatre has been honoring stories all over St. Louis since 2005.
2. We must celebrate the true stories of faith that exist outside of capitalism. Youth are welcome. Tickets at the door. Limited Seating. Call to reserve your ticket now.
First Come first seated.Once a performance is sold out the doors are closed. For more information call PWT Artistic Director, Jackie Masei at 314 397-0733 All the proceeds for this two day performance go to production costs and to obtain GYA/YEYO's 501c3 status!GYA/YeYo is interganerational fierce female single mother run community arts and education based organization! We need YOUR SUPPORT to begin, continue and to thrive. Please consider a start up gift for us of $50.00 or more at this Playback Theatre Event.


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Working on a computer all day long and then watching TV in the evening are fairly sedentary activities, which, if practiced in immoderation, can lead to a fairly sedentary life. We at RainyDayMagazine have solved that potential/probable outcome by installing a heavy punching bag in the office for anyone interested in a quick workout whilst on duty. We’ve had the bag for a while (it is an Everlast commemorating the 1986 Olympics), but are not entirely certain when it came into our possession.
At 80 pounds, the bag is one of the heavier models. Hanging it securely required us to mount the hardware directly into the studs in the ceiling. Everlast has mounting hardware designed for hanging these types of bags, but we opted to roll our own with a few dollars of hooks and springs from Home Depot (1 eye hook, 3 S-hooks, 1 spring). We have not had any problem with the rig since it has been up, even when used in a pummeling manner.
Hitting the bag with with bare knuckles is a good way to toughen them up, but that can be hard on the skin until the skin has been conditioned, which it isn’t until you have started hitting the bag with bare knuckles… For those just starting on a regimen, we would suggest using a pair of training gloves. The gloves have a metal rod that the fingers close around (which gives the hand something to grip and helps disperse the impact of the, uh, impact) and a layer of padding that cushions the knuckes (and anything else that may be involved–voluntarily or not–in the punch).
Our gloves are a few years old, and the padding has since dried out and crumbled to dust (literally). The gloves at this point are nothing more than just a thin sheet of leather. We could get new ones, but we like them this way because they offer just enough protection for the knuckles, yet not so much that the knuckles don’t feel some pain when we hit the bag for an extended period of time.
Having a heavy bag hanging in the office may make clients a little nervous when they first visit, but at least it doesn’t fill their heads with naughty thoughts when we have only the chains hanging from the ceiling.


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The quarterly jobs cuts are the most since the third quarter of 2015, and the most for a first quarter since 2009.
President Donald Trump on Friday called on the Federal Reserve to return to quantitative easing, the monetary policy launched during the 2008-09 Great Recession that increased the money supply and lowered interest rates.
The U.S. economic expansion, though often slow-moving and spotty over the past 10 years, is about to become the longest in the country’s history.


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The final version of the Government’s Royal Charter was published last week. Like everyone else in the known Universe, I’ve made it clear what I think about it.
Blogs… But these are exempt only if they have fewer than 10 employees (not clear whether this means the brand or the parent business) and make less than £2 million a year. Note that many local newspapers (and very nearly some nationals) would fail to breach these thresholds.
p.s. This letter in the Guardian from Lord Rooker shows just how absurd it is to do primary legislation through the Privy Council, for all you politics fans out there. It is possible the council could meet and decide this without an elected politician in the room.


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77% of banks that offer video communication services achieve higher sales!
Digitalization, lower costs and simplified user procedures in banking make both the banks and the consumers happy. Since simplified ‘self-service’ procedures alone are not sufficient to achieve optimized customer experience, video banking comes to the forefront among the applications for banks that seek a competitive advantage. According to “Video Banking Report 2018” data, 85% of consumers who took part in an online video banking session said they would be willing to use it again while 97% said they would recommend it to others. 77% of the banks that offer video banking achieve higher sales however only 15% of the banks worldwide are fully equipped with the technology required for video communication services. On the other hand, over 90% of the banks in Turkey have the necessary technological infrastructure but do not leverage this service because they are not fully aware of the opportunities it presents.


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gray shingle sherwin williams 7670 kitchen cabinets painting.

industry_corpus2: Real Estate & Construction


text: Comments: 2019 KIA SORENTO LX, Ask about our Flexible and Affordable SMART PAYMENT PLAN, offered exclusively at Kia Store Anniston - Oxford. By electing Weekly or Bi-Weekly payment options you can align your car payment to be the same as your pay cycle. By making lower more frequent payments, you pay less interest, achieve equity faster and pay off your vehicle sooner. Ask dealers for details. Buy with confidence. Family owned & operated. Get Pre-Approved at https://www.kiaofanniston.com/get-financing.htm Free AutoCheck report. Large East Alabama Used Car Super Store serving Anniston, Oxford, Pell City, Taladega, Talladega, Jacksonville & Heflin, AL. Call Kia Store Anniston ? Oxford today. One Year of Complimentary Maintenance included with Purchase. Kia Store Anniston-Oxford is also the home of the $24.95 oil change, all day, every day! If your a first responder or a veteran, you'll receive discounts of 20% off parts and accessories. Just part of what separates us form the pack. Call, text, chat or email us today! Price exludes tax, title, license and doc fee and includes the current months Kia Customer Cash. Offer expires month end. - SMART PAYMENT PLAN, offered exclusively at Kia Store Anniston - Oxford. By electing Weekly or Bi-Weekly payment options you can align your car payment to be the same as your pay cycle. By making lower more frequent payments, you pay less interest, achieve equity faster and pay off your vehicle sooner. Ask dealers for details. Buy with confidence. Family owned & operated. Get Pre-Approved at https://www.kiaofanniston.com/get-financing.htm Free AutoCheck report. Large East Alabama Used Car Super Store serving Anniston, Oxford, Pell City, Taladega, Talladega, Jacksonville & Heflin, AL. Call Kia Store Anniston ? Oxford today. **Vehicle Options listed are when the unit was originally built. Please confirm the accuracy of the included equipment by calling the dealer prior to purchase.


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I’ve released lita-trello, a handler plugin for Lita allowing you to control your Trello board from your chat bot.
A Google Ideas project, Digital Attack Map shows you a live vizualiztion of DDoS attacks around the world.
So I finally tired of implementing file rotation and retention functionality for backup scripts on an ad-hoc basis, and have sorted it out forever*.
As a systems administrator, I occasionally need to run a script on a number of machines, be it to diagnose an intermittent issue, gather some ad-hoc statistics, or what have you. As such I have a small library of scripts, each with an aptly-named Fabric task defined in a fabfile. Of course, each of these tasks is almost identical: copy script to remote server, run (either as a regular user, or as root). I finally tired of repeating myself, and decided to solve this once and for all (obligatory xkcd).
To wit: presenting a Python snippet for turning a directory of scripts into remote-running Fabric tasks. Like magic.


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This chapter surveys and discusses different kinds of Scottish poetry concerned with politics and forms of protest, written in Gaelic, Scots or English, from the fourteenth century to the twenty-first century.
Thomas Owen Clancy, Gaelic adviser.
Scottish poetry, politics, protest, Gaelic, Scots, English.
Riach, A., and McLeod, W.

industry_corpus2: Literature & Emotions


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Members of the public are invited to give their views on the strategy and choose their transport priorities for Bristol through a simulator tool, which outlines the pros and cons for a range of projects which could improve how people get around the city. The strategy and simulator can be accessed via www.bristol.gov.uk/transportstrategy.
We all know some of the big challenges holding Bristol back when it comes to transport, with congestion being the most significant due to the scale and complexity of the problem. Our vision presents an opportunity to tackle these challenges head on and you can help us to agree the most effective approach.
The consultation and simulator are open until the 2 November 2018. Please go to: www.bristol.gov.uk/transportstrategy. Paper copies of the consultation are also available in libraries.

industry_corpus2: Transportation


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So you’ve got your business up and running, and maybe it’s not perfect but you’re working hard on improvements to your products, services, and strategies. If you’ve been at this for a while (or even if you’re just starting out), you’re probably wondering if you’re ever going to be someone who hits the high six to seven digits in revenue. I see this all the time with my clients.
In fact, turning a healthy profit month after month is their biggest worry.
That’ why today I want to talk about the three main things rainmakers like the Marie Forleos of the world have that the average business doesn’t. And they have nothing to do with expensive software or taking another online course that promises the world.
To make the kind of money you want to be making with your baby (that would be your business, not one of your children), you have to be confident that you’re already worth millions.
Your unique combination of skills and talents has the kind of value no one else has. You have to believe in yourself – and whatever it is that you’re offering to the world – your message, your advice, your voice, your idea, your product – truly is valuable.
The mindset that millionaires have before they become millionaires is the belief that they have knowledge and wisdom that people will pay for.
Even if you’re starting small now, never let yourself think small. Despite anything that has happened in the past, you’ve got to see yourself as big-time. Success means taking the plunge, with passion, and, having the willingness to fail.
You know this better than anyone, it takes a lot of dedication to succeed. You have to work at getting disciplined as though your livelihood depends on it. And part of this is letting go of the idea of getting rich quick – I’m not saying that it won’t happen – but it’ll come from a good work ethic and willingness to put the time in.
No matter what your business is, you’ve got to be doing it for the right reasons – which at the end of the day boils down to putting something valuable out into the world. Your audience will know whether you genuinely care about their journey and success.
The people who become the top names in their space are those who are leading and living through their heart. It’s not the people who are doing what they do to get rich quick. It’s the ones who do it from passion.
You know that even the most successful of us need people who help us thrive. So build a small but supportive team of professionals. A good professional is much more than a service provider – they should double as someone who you can call for guidance, who can help you stay motivated, and who can steer you in the right direction when you’re faced with important business decisions. I learned early on in my business that having a dedicated professional who has your back is so important to succeeding.
And that’s the million-dollar mindset in a nutshell. Remember, even the most successful millionaires had a professional team backing them up before they were millionaires. If you’re working with a lawyer, an accountant, or a marketing/creative professional, make sure that person really understands your vision and personal goals.


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Cowboy Charters is not just your typical offshore fishing trip, it's a full service fishing adventure.
Cool Creations, It's your one stop shop for all your screen printing, Embroidery, Graphic Design , Signs and Promotional Products.
The online source for your Hunting License purchase and general hunting regulations.
your one stop shop , for all your hunting needs, We carry a full line of Decoys , calls , clothing and much, much more.
walk quite easily on soft mud.

industry_corpus2: Agriculture & Fisheries


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Heat coaches Davida White and Josh Levi have named their side to take on the Wellington Pride in tomorrow’s Farah Palmer Cup semi-final at ECOLight Stadium in Pukekohe, kick off 12pm.
The Heat side has been bolstered by the return of speedy wingers Portia Woodman and Renee Wickliffe. Both players missed last weekend’s historical win over Auckland at Massey Park, but they take their place in the starting-15 tomorrow. Badinlee Munro-Smith and Shontelle Woodman switch in the centres.
Prop Hinewai Pomare is bracketed on the bench with Lauryn Steed, while Timara Leaf replaces Cynthia Ta’ala on the pine.
Tomorrow’s home semi-final will be a massive occasion for the Counties Manukau Heat, so get along to ECOLight Stadium and cheer our girls on as they battle it out for a place in the Farah Palmer Cup Final. Entry is Free.

industry_corpus2: Sports


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THE LITTLE MUTUAL THAT COULD - The Rough Notes Company Inc.
How many employees does it take to screw in a lightbulb?
At Madison Mutual Insurance Company in Chittenango, New York, lightbulbs are replaced, floors swept, and wastebaskets emptied by just nine full-time and two part-time employees, all of whom seem delighted to be working for this stalwart mini-mutual. In January of this year the company celebrated its 125th anniversary, and staff members are justifiably proud of its staying power and achievements.
Located some 12 miles southeast of Syracuse, Madison Mutual was incorporated in 1893 as the Madison-Onondaga Mutual Fire Insurance Company to provide insurance against fire and lightning to local farmers and business owners. After merging with a local fire cooperative in 1983, the company shortened its name to Madison Mutual Insurance Company. It carries an A.M. Best rating of A-/Excellent and serves the upstate New York region, writing a 60/40 mix of commercial and personal lines. Total premium volume is $5.7 million, and policyholder surplus stands at $10.9 million. The company is represented by about 100 independent agents.
What makes this sturdy little insurer tick? To find out, we spoke with its executive team, who were joined by the company’s retired president and chief executive officer.
John Owens Jr., CPCU, CIC, ARe, current president and CEO, joined Madison Mutual in 1994 as marketing manager, with responsibility for appointing and working with agents. Later he added underwriting to his responsibilities, and in 2015 he became president and CEO.
“In a small company like ours, we all wear many hats,” Owens says. “In addition to marketing and underwriting, I assist with claims, customer service, and company operations—and with a colleague, I perform a vital executive function: shoveling snow off our solar roof (more about that later). Our philosophy is that we won’t ask someone else to do what we can’t or won’t do ourselves.” Owens acknowledges that rooftop snow shoveling involves an element of danger and hastens to assure us that the company’s workers compensation premiums are fully paid up.
Serving as senior vice president of claims is Heidi Barron, CPCU, AIC, who joined Madison Mutual in 1995 after working for Associated Mutual Insurance in downstate New York.
Ben Thompson, CPCU, CIC, AIAF, ARC, AU, API, AIS, joined Madison Mutual a year after graduating from college and now serves as vice president of underwriting and marketing. As shown by the string of letters after his name, he took full advantage of the company’s support of professional education.
Tim Burback, retired president and chief executive officer, joined Madison Mutual in 1978 after working for several years with major independent adjusting firms. After retiring as president and CEO, Burback became the company’s investment officer, and he continues to serve on the board of directors.
The company’s product line reflects its commitment to flexibility. Its Homeowners Freedom Policy and Landlords Freedom Policy allow insureds to buy the coverage limit of their choice, up to the replacement value of the dwelling, while still providing replacement cost coverage on partial losses. Under the policies, actual cash value coverage is not mandatory and no penalties are imposed for underinsurance. The policies are designed to meet the needs of three categories of insureds: those who would rebuild and want full replacement cost coverage without an insurance-to-value provision; those who would rebuild but not with the same kind or size of dwelling, and those who would not rebuild and want to insure only for the market value or purchase price of the property.
As more consumers adopt the smart home concept, Madison Mutual has responded by offering up to a 15% credit to policyholders who have qualifying smart home protective devices in their residences. A qualifying device is any appliance or feature of a residence that can be monitored or controlled remotely by a mobile app in a manner that decreases the likelihood or severity of a covered loss.
As hard as it may seem to believe, until just a few years ago Madison Mutual operated with a DOS-based automation system.
Most of us can agree that contemporary society, with its “in your face, me first, anything goes” mentality, is conspicuously lacking in the once highly valued quality of civility. To promote harmonious and productive interactions in the workplace, Madison Mutual goes beyond merely paying lip service to the concept and has enshrined its commitment in a civility policy that sets standards of conduct and identifies behaviors that will not be tolerated. In addition to rudeness and insults, the policy forbids profanity, derogatory language, raising one’s voice, indecent suggestions, invading another individual’s personal space, and gesturing at another person in a threatening manner.
The civility policy was developed by then President and CEO Tim Burback and was approved by the board of directors in 2008. The policy originally applied to staff interactions with agents, policyholders, vendors, and members of the public. Employees who were treated rudely or disrespectfully by outsiders were empowered to inform the offending party that the company adheres to a civility policy and that employees will not allow themselves to be subjected to abusive treatment.
From a set of guidelines for employees on how to deal with rude or disrespectful outsiders, the policy evolved into an organization-wide rubric that also applies to interactions between employees.
Earlier we promised to tell you more about the solar panels Madison Mutual had installed behind its office building in 2017. The company has been committed to going green since the 1990s when it implemented a recycling and waste disposal initiative. At that time it was difficult to find a recycling center that would accept shredded paper, so the company decided to donate the paper to a local farmer who could use it as bedding for livestock.
The company’s transition to a paperless environment also reduced its environmental impact, as did its choice to use energy-efficient LED lightbulbs throughout its building.
A huge step forward in Madison Mutual’s green initiative was taken when it arranged for the installation of 115 photovoltaic panels in two ground-mounted rows behind its office. The company estimates that this system, combined with the conversion to LED bulbs, will offset over 100% of its previous annual electricity consumption. A link on the company’s website invites visitors to view its solar energy production online.
From its founding in 1893 to the present, Madison Mutual has kept one foot firmly planted in traditional values while placing the other foot into the constantly evolving world of technology. Like any business, the company faces challenges and strives to turn them into opportunities.
One such challenge, Thompson observes, is the need to keep up with technological advances at the same time as the insurance industry finds itself in a landscape that might best be characterized by the word “disruption.” Agents and policyholders, he says, expect providers of products and services to make transactions quick, easy, and painless. “Mastering insurtech and IoT technologies will be vital to our future,” he asserts.
A related challenge is the need to provide robust cybersecurity measures to protect sensitive information from hackers, phishers, and other cybercriminals. As the executive with responsibility for cybersecurity, Barron must ensure that the company complies with the provisions of New York’s cybersecurity law, which went into effect in 2017 and has a three-year phase-in period.
A third challenge also involves technology: specifically, the IVANS download process in which the company has been engaged for several months.
“This is a time-consuming but essential procedure, and we’re confident that it will deliver significant benefits to both our agents and our policyholders while allowing us to save time and money,” Owens says.


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This is a lovely new product!
A bracelet featuring lovely vintage floral images set under glass domes.
The bracelet is elasticated - two strands of elastic running through the piece.
Will come in a Songbird Designs calico gift pouch.


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1997 African Footballer of the Year, Victor Ikpeba has described Group B where Nigeria has been paired against Guinea, Madagascar and Burundi for the 2019 AFCON as easy.
However, Super Eagles’ Head Coach, Gernot Rohr has revealed that Nigeria would play the Black Stars of Ghana and the Teranga Lions of Senegal in an international friendly as part of preparations for 2019 AFCON.
According to Rohr, the game against Ghana will hold in Asaba, while the second friendly with Senegal is slated for Egypt.
The opening match of the 2019 AFCON, which will feature the Pharaohs versus the Warriors of Zimbabwe, is scheduled to take place at the 74,100-seat Cairo Stadium on June 21.
The 2019 AFCON draw was held at the magnificent Giza Pyramids and Sphinx last night but before the event, Ikpeba who was an analyst on a cable television picked Burundi, Namibia and Madagascar as the countries he wanted in the Eagles’ group.
Ikpeba whose prediction was almost accurate apart from Namibia whom he got wrong, opined that the Super Eagles were lucky to be handed easy opponents in the group stages.
Nigeria could not make it to the last two editions of the AFCON and incidentally, it was the Syli Nationale of Guinea that stopped the Eagles from qualifying for the 2012 Africa Cup of Nations after ending the qualifiers with a 2–2 draw, with goals from Ikechukwu Uche and Victor Obinna.
Nigeria coached by the late Stephen Keshi, came back in the 2013 edition hosted in South Africa; after playing through the tournament with an unbeaten run, defeated Burkina Faso in the finals to lift the Cup for the third time. However, they did not qualify for the next two tournaments.
In Group B are two countries; Burundi and Madagascar that are making their debuts at Africa’s flagship tournament with Burundi coming very close to qualifying for the 1994 Africa Cup of Nations, losing only on penalties to Guinea in a playoff.
On paper, The Swallows of Burundi looks like the weakest team in the group but the fact that they booked a ticket ahead of Gabon that parades Pierre-Emerick Aubameyang, one of the deadliest strikers in Europe, says a lot about how they have improved.
On 16 October 2018, Madagascar became the first country to qualify for the 2019 Africa Cup of Nations for the first time in their history, after they won 1–0 against Equatorial Guinea.
They qualified from a group that had the Teranga Lions of Senegal with all their superstars including Liverpool’s maverick, Sadio Mane.
The Syli Nationale of Guinea will undoubtedly pose the toughest challenge to the Super Eagles from the way they qualified ahead of the Elephants of Ivory Coast in the qualifiers.
On June 10, 2017, Guinea humiliated Ivory Coast 3-2 in Abidjan and though they were held to a 1-1 draw by the Elephants in the reverse game in Conakry, they still went ahead to qualify as group winners.
Their best finish in the Africa Cup of Nations was second in 1976. The team reached the quarter-finals in four recent tournaments (2004, 2006, 2008, and 2015).
Last night’s draw was historic in its own right, being the first time that twenty-four teams will compete and in a competition taking place mid-year, away from the traditional January – February.
Yaya Touré, the Ivorian champion and four-time winner of the CAF African Player of the Year award, was on stage alongside Ahmed Hassan, record-holder of the number of caps with Egypt (184) and Former African Player of the Year, El Hadji Diouf as well CAF Deputy General Secretary, Anthony Baffoe.
Other CAF legends also in the Egyptian capital are Joseph Antoine Bell and Rigobert Song.


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A nose job without surgery? How?
Non-surgical rhinoplastys are the safe, non-invasive method for nose reshaping that can be completed in less than half an hour.
After a topical anaesthetic is applied to the area, small amounts of hyaluraonic acid (more commonly known as dermal fillers) are injected into the skin with the skill of our Doctor.
Would like more definition in height and tip.
Hyaluronic acid, more commonly known as Dermal Fillers are used for rhinoplastys. At RosMedics, we have an expansive array of differrent fillers with different attributes.
Our experienced doctors will choose the most suitable product(s) to give you the best results.
The procedure will involve use of local anaesthetic (numbing of the area to be excised) and in accordance with good practice guidelines, all the lesions will be sent to the histopathology department at theUniversity Hospital of Wales to be analysed.nd epidermal cysts. Your clinician will advise you accordingly during consultation.
Plexr is a new, non-invasive soft surgery prodedure that uses an electrical arc between the tip of the device and the skin that causes the target tissue to sublimate and retract.
Most commonly used for reducing excess skin on the eyelids, really reducing a tired expression.
Soft Surgery with Plexr is a new, non-invasive treatment that offers an alternative approach to cosmetic surgery.
This innovative device uses Fusion Plasma by applying the principle of Ionisation of gases contained in the air to allow a small electrical arc similar to that of a ‘small lightning‘.
This procedure make it possible to treat dermal and epidermal areas affected by aesthetic problems without the need for incisions and removal of excess skin or fat.
Treating loose skin, scarring, and to perform both upper and lower blepharoplasty and brow lifts.
Soft Surgery using Plexr is a safe treatment that is suitable for all skin types.
See the results before (top) and after (bottom) for yourself.
Silhouette Soft® is a new technology with a double lifting and regenerating effect, through the action of re-?absorbable sutures with bidirectional cones.
Dermaroller, also known as Microneedling therapy is a skin rejuvenation treatment that stimulates the skin to regenerate and repair itslef naturally and safely.
Working on the principle that our blood contains all the constituents required for healing and rejuvenating.
The skin rejuvenation procedure depends on the action produced by thousands of micro needles applied to the skin using a device called a Genuine Dermaroller. The upper layer of the skin is penetrated “traumatised” and causing the skin to naturally regenerate and repair. Blood rushes to the surface new skin cells and collagen are laid down. The whole process takes up to six weeks and will continue in the following months providing a natural and long lasting result. Genuine derma roller procedure should be repeated approximately six weeks apart to obtain the best result. Normally three to four treatments is sufficient. However, on particular skin complaint, it may be necessary for extra treatments.
For the treatment of localised scarring, the practitioner may use the Dermastamp which may be of more benefit.
Immediately after treatment because of the trauma caused to the surface of the skin and the blood under the surface of the skin, it will look as though you have mild sunburn. Your skin will also feel warmer and tighter than usual. This will subside very rapidly. The clinician will advise you on the use of post procedure cream and UV protection methods.
This method is not suitable for those who have active skin infections, such as active acne or flared eczema.


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West Like Lightning: The Brief, Legendary Ride of the Pony Express est le grand livre que vous voulez. Ce beau livre est créé par Jim DeFelice. En fait, le livre a 368 pages. The West Like Lightning: The Brief, Legendary Ride of the Pony Express est libéré par la fabrication de William Morrow. Vous pouvez consulter en ligne avec West Like Lightning: The Brief, Legendary Ride of the Pony Express étape facile. Toutefois, si vous désirez garder pour ordinateur portable, vous pouvez West Like Lightning: The Brief, Legendary Ride of the Pony Express sauver maintenant.
On the eve of the Civil War, three American businessmen launched an audacious plan to create a financial empire by transforming communications across the hostile territory between the nation’s two coasts. In the process, they created one of the most enduring icons of the American West: the Pony Express. Daring young men with colorful names like “Bronco Charlie” and “Sawed-Off Jim” galloped at speed over a vast and unforgiving landscape, etching an irresistible tale that passed into myth almost instantly. Equally an improbable success and a business disaster, the Pony Express came and went in just eighteen months, but not before uniting and captivating a nation on the brink of being torn apart. Jim DeFelice’s brilliantly entertaining West Like Lightning is the first major history of the Pony Express to put its birth, life, and legacy into the full context of the American story.
The Central Overland California and Pikes Peak Express Company—or “Pony Express,” as it came to be known—was part of a plan by William Russell, Alexander Majors, and William Waddell to create the next American Express, a transportation and financial juggernaut that already dominated commerce back east. All that stood in their way were almost two thousand miles of uninhabited desert, ice-capped mountains, oceanic plains roamed by Indian tribes, whitewater-choked rivers, and harsh, unsettled wilderness.
The Pony used a relay system of courageous horseback riders to ferry mail halfway across a continent in just ten days. The challenges the riders faced were enormous, yet the Pony Express succeeded, delivering thousands of letters at record speed. The service instantly became the most direct means of communication between the eastern United States and its far western territories, helping to firmly connect them to the Union.
Populated with cast of characters including Abraham Lincoln (news of whose electoral victory the Express delivered to California), Wild Bill Hickock, Buffalo Bill Cody (who fed the legend of the Express in his Wild West Show), and Mark Twain (who celebrated the riders in Roughing It), West Like Lightning masterfully traces the development of the Pony Express and follows it from its start in St. Joseph, Missouri—the edge of the civilized world—west to Sacramento, the capital of California, then booming from the gold rush. Jim DeFelice, who traveled the Pony’s route in his research, plumbs the legends, myths, and surprising truth of the service, exploring its lasting relevance today as a symbol of American enterprise, audacity, and daring.


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Playing a golf shot from behind a tree or a hazard leaves several choices for the golfer. Having several choices surely can create a big problem. Most salesmen will tell you, leaving too many choices on the table can confuse the sale. I know that I am way off topic here, but having more than a couple of choices can really slow down the decision making process, and trying to sell yourself can be quite the task at times. Especially when there is a golf stroke involved. That is were a question and answer period has to take place, and if you’re trying to sell yourself the thought of making it around, through or over the tree in front of you, good luck! Do you attempt to go over the hazard? Do you attempt to go around the tree from either side? The other alternative would be to go under the hazard.
The safe golf shot would probably be to chip out of trouble, but a lot of us have like to go for the gold. Lets chip away at our options by asking a few simple questions and try coming up with a simple solution. I’m sure this situation is a common problem for a lot of golfers, unless you hit the perfect golf shot all the time, and even a perfect golf shot down the middle of the fairway may land you behind trees that grow in the middle of fairways on some golf courses. To make a smart decision, you have to look at all your options and come to a reasonable decision on any attempt on trying to reach the green from behind trees. Taking your time on the decision making process is of great importance.
Let us put a few options out in the open and see if we can make a wise decision. First and foremost importance is choosing the right golf club. Ball placement distance to green has to be determined if you plan on going for the green. Let us assume that you’re 169 yards away from the middle of the green and it’s the perfect distance for your 6 iron. We also came to the conclusion that in order to climb the tree in front of you, the 6 iron will not be enough club because of the height to get over the tree, therefore you may have to take a golf club with more loft and less distance and lean into the shot to make up for the distance. One way of determining if you have enough loft is to stand behind the tree with the golf club in hand and place the golf club head on the ground with the face of the club towards you, and put the bottom of your foot on it and let the grip go. If the tip of the golf club shaft points up and over the tree, chances are the loft of the golf club is enough to go over the tree. If the tip if the golf club points at any part of the tree, chances are you need a loftier club. You may want to practice picking up the golf club head right away on the take-away to get more height from your golf clubs. If you decide to do the opposite, and attempt to go under the tree, you have to do the extreme opposite with a more closed faced golf club, like a 3 iron, 4iron, 5 iron and maybe a low driver off of the grass depending on your lie.
You may want to choke down on the golf club to take a little distance off the ball flight. Again more decisions have to be thought out, depending on how low the branches hang from the ground. Another alternative would be to try and go around the obstacle. Going up and over or around the hazard will always make the golfer reach for a longer club because of the added distance. If you decide to go around the hazard, you have to make sure the golf ball does not go straight and you’re not going to end up in more trouble, unless you know how to maneuver the golf ball at will. Typically depending on side of the obstacle you decide to go, you may have to open or close the clubface to manipulate the direction of ball flight. If you must attempt to go around, assure yourself that you can spare the couple extra strokes it may cost you to end up right back where you started if you hit it straight out of bounds. I know being positive is the way to think, but it’s okay to face the possibility of human error to keep us within our capabilities. Staring the situation down with the least amount of fear is the positive mindset that we all like to play. Question you have to ask yourself in that moment of greatness; what is my handicap? Once you’re comfortable and honest with your answer, think no more! Take the shot! Taking your time and going through a couple simple questions could help you save strokes.
Try to avoid making quick decisions on the golf course. Try not to forget that you are paying and playing for the enjoyment of being out on the course. You have every right to take the time on the golf shot within reason. Other golfers do not like to play behind slow golfers either. If you think you have to rush the golf shot, it does not become enjoyment any longer. Talk to your group of golfers and possibly let the group behind you play through if you feel rushed.


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TROXELL cares about the communities we serve.
Over 50% of our staff currently serves or volunteers for non-profits in Illinois. The TROXELL Team has years of experience covering not-for-profits all over Illinois. No matter the size, our team has handled the type business. We have built strong relationships and partnerships with the top insurance carriers who specialize in not-for-profits.
TROXELL is a strong supporter of not-for-profits that we insure as well as many other local charities in the communities we serve.
Why is TROXELL the right choice for your Not-For-Profit?
Our agency has over 100 years of experience working and representing not-for-profits in Illinois.
Group Health Insurance Programs can be designed specifically for your not-for-profit with an option of a free online enrollment tool that makes your job easier!
TROXELL offers highly competitive markets for Workers' Compensation.
We provide HR Solutions and Safety Specialists for NO additional fee.


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The Arts & Culture Committee creates the arts and culture-related programming within the BIA. Much of the work and programming associated with this committee builds upon the strong history of culture within the Downtown Eastside. First Nations arts and culture is prevalent throughout this community, and incorporating its rich legacy into the BIA is essential. The presence of large educational institutions, including SFU’s School of Contemporary Arts as well as the Vancouver Film School, provide a major resource of creative opportunity for the BIA.
The Connections Committee is tasked with strengthening the connections between the traditional business community and the wealth of social enterprise and social innovation in the Downtown Eastside. This comes in the form of programs including CommunityWise, special events like Experience Hastings Crossing, business/social enterprise mixers, and other forms of outreach and research.
The Safety Committee’s scope includes developing projects related to the safety and security of local businesses and properties, as well as local customers, employees, and residents. The committee seeks to foster positive relationships with Downtown Eastside community residents and organizations through partnerships and good neighbour strategies. The committee regularly receives updates from the Vancouver Police Department, Vancouver Coastal Health, the City, and our MP Neighbours Patrol.
The Governance Committee develops and strengthens HxBIA’s internal governance procedures and policies. Some projects include ensuring a strong board of directors that adequately represents the BIA community, creating a board recruitment and succession procedure, and evaluating staff and board members on an annual basis.
The Finance Committee develops and oversees the BIA’s budget and spending, while ensuring the organization is in good financial standing in compliance with our mission and society and City by-laws.
To learn more about how you can participate on one or more of these committees, get in touch! Email [email protected].


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Would anyone be willing to be a buddy for my to finish my 60 dives for divemaster. Plus practice skills, just in the morning/lunch.
When and where did you have in mind to compleat your 60 dives ?


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So with his help, my search for the perfect cardiologist began.
And that’s how I met Dr. Radha Gopalan. When I walked into his office in Phoenix, the bond was instantaneous. It was like old souls meeting. I knew I had found my doctor…the second opinion I was seeking. Radha has become a great friend and an advisor on more than health. His views on the spirit, healing, and vital energy have changed my life for the better.
As Radha worked with me as both a doctor and teacher, I learned more about him as a person, and I began to realize that he was no ordinary doctor. He has come a very long way from a tiny village in Sri Lanka, a journey he describes in his book, Second Opinion.
Today Radha’s position as a heart transplant cardiologist puts him in a unique position amongst other doctors. Whenever a patient requires organ transplant surgery — be it a heart, liver, kidney, lungs, or bone marrow transplant — the patient’s doctor comes to Dr. Gopalan for a second opinion. It is up to Radha to decide if they’re a viable candidate for organ transplant surgery. In other words: Is the patient worthy of such a gift, for this miracle of modern medicine? It is much like lawyers seeking a judge’s opinion on behalf of their client.
From his unique position, Radha has viewed the world of medicine, doctors, patients, disease, and health…all filtered through a mind trained in the disciplines of both Eastern and Western medical philosophies. It is his opinion — as a second opinion — that often determines the life or death of another doctor’s patient.
I have learned two very important lessons in my life: Wealth without health can be meaningless… and that a rich life is about much more than money. After getting to know Dr. Gopalan, I encouraged him to share what he has seen, what he knows, and what he thinks about…as both an Eastern and a Western doctor. I wanted him to share with you, as he has with me, his experience and insights and his belief that we — ourselves — have the power to influence our health and wellness.
For years people have argued as to what is more important in life. A longer life? A healthy life? A life with financial riches, or a life filled with happiness and contentment? Current evidence suggests that wealthy people tend to live longer than poor people. But it does not suggest that wealth confers health.
Another question would be, What confers health? This is a loaded question. There is so much hype about health because it is very important to each of us. It can mean life or death. There is so much information about what to do and what not to do when it comes to health.
As a cardiologist, I had both; I am an expert in knowing what to do and what not to do with regard to heart attacks and, statistically, I fall into the 2% of the U.S population that are “considered” wealthy. Statistics would suggest that I should live longer because I am considered wealthy. This statistic should be further improved because I am also an expert on health, disease, and medicine. Additionally, I am an expert not only in Western medicine but also in Eastern medicine. With that kind of depth and understanding about health and disease, what are the odds of developing a catastrophic medical condition? You are likely to say, “It is very low.” That’s what I thought.
This however was not the case. At age 43, I had a heart attack. With all that I knew about heart attacks, it did not prevent me from getting one. My financial status did not prevent a heart attack either. Years later, when I read Robert’s books on finance, I learned that I am really not rich—even though I am statistically in that top 2% of American taxpayers. All in all, I have been walking around thinking that I understood health, disease, and medicine, that I am well off financially, and that, therefore, I have a healthy life. In retrospect, that appears to be delusional thinking.
When I was staring at death in the emergency room at the time of my heart attack, what came to my rescue was a power within me, facilitated by tools that I had learned from Eastern medicine. Afterward, I used Western medicine to obtain the best treatment possible.
Today I practice medicine as a cardiologist and heart transplant consultant for a world-class hospital in one of this country’s largest cities. And every day, after hours of interaction with patients at the hospital, I walk home heavy-hearted, dissatisfied and frustrated. I know, deep down, that as a Western medical doctor I have not helped any of my patients to the extent to which I could have. I have only suggested interventions from the Western medical world, which is only 30 percent of the story — and by no means the complete story. While I know that Eastern medical thoughts and disciplines are effective in treating patients, I am not at liberty to recommend these modalities. Even if I was able to do so, Eastern medicine adds only another 30 percent to the story. The third 30 percent comes from you and your “being.” It is what I call “You Power.” And the last 10 percent is left to chance…the unknown.
We live in a world of mixed medical messages and confusion related to health and disease. The health care delivery system, today, is rather a “sick care system.” So many of us (like me) are reminded of health only when disease strikes. Some are reminded of health only when they reach their 40s, 50s, and 60s and start to feel the aging process taking its toll. Yet others think of health only when they can no longer perform or function at a level that gave them a good quality of life.
At that point we go in search of remedies to cure us of disease or reclaim a healthy state. In fact our intention at that point is seldom even about getting healthy — it is about getting rid of disease, living longer, or performing better. We seek out cures from either Western medicine or from Eastern medicine…or both. We erroneously think that either of these medicines or a combination of these two will make us healthy. This kind of thinking cannot be farther from the truth. The bottom line is that medicines and/or treatments do not make you healthy…YOU do.
It is my belief that we are responsible for—and create or perpetuate—our own illness. My efforts during the past few years in trying to combine Eastern and Western medicine into the current health care system have been less successful than I had hoped, because Western medicine is either not interested in it or is threatened and afraid of it.
Second Opinion is the first in a series of books in which I share what I know about health, disease, Western medicine, and Eastern medicine. It is my hope that these books will allow you to use your You Power to take your health and your life to a higher level and enjoy control over both in ways that you may never have imagined possible. Remember, knowing and doing does not help, being does!


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How about a cup of Blissful Hot Cacao to energize your day.
Mix the first three ingredients in a measuring cup.
Pour 2 Tbsp of boiling water into this cup and blend with mixture.
Then add 2 cups of boiling water, stir it up and enjoy!
Warm up and energize with a mood enhancing cup of Blissful Hot Chocolate.
A great way to start your day or to pep you up during a mid-afternoon slump.
This is a nourishing drink that offers abundant benefits.
Raw Cacoa & Maca deliver incredible minerals, vitamins, nutrients and anti-oxidants to your body.
Cacao is one of the best sources of magnesium you can find in food. Did you know that Magnesium is an essential mineral that over 80% of Americans are chronically deficient in?
Most people don’t realize that cacao is actually a fruit which comes from the Amazonian tree. It is the highest anti oxidant food on the planet, the #1 food source of magnesium, promotes heart and bone health, energizes, and increases serotonin. So, it elevates your mood and puts you in the mood since it is a natural aphrodisiac. Its great to find a food source that offers such a nutritional punch while offering so much pleasure.
Maca is also rich in calcium, magnesium, phosphorous, potassium among many other nutrients. The nutritional benefits of cacao and magnesium are impressive. I love how you feel them working right away. They both balance your hormones and cacao increases brain chemicals like serotonin. Cacao and Maca enhance the performance of pretty much every organ and system in your body.
*Now while I along with my fellow yogis and clients in my Diabetes Wellness Class think this is delicious, the jury is still out at the Griffin Household. Sean, for one, is still partial to Swiss Miss.


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Moon Dancer offers a variety of Subscription Boxes ranging from soaps, oils, candles, and incense. This month we will be unboxing their Scents for Cents Box, which is a recurring monthly subscription box of handmade incense picked monthly for you and includes an incense holder. The price of this box ranges from $10 for a one month subscription to $100 for a year.
As soon as the Moon Dancer box arrived I could smell the beautiful, strong aromas permeating through the box.
Opening the box, I was surprised by the sheer amount of incense in the box. I was not expecting this many. The box is stuffed to full of packages upon packages of lovely smelling sticks. Then, when you take them out, you find a burner to go along with them, to make it easy to use them.
That is a ton of incense! You can tell they are all fresh! I liked the smell of most of them. Maybe one or two weren’t my favorites. The only one I can remember that I found not too pleasing was Water.
I found when burning the incense that for the first few seconds they burn black and ash flies around. The ash was not lit. So there was no fire danger. Just a small bit of soot. It was not too much, and over quickly.
The incense holder is a common, wooden one. It is pretty with a moon & stars on it. Very practical. Nice on any altar.
“The incense is ground up, rolled and scented by me.
It is made from non-endangered, sustainable wood. The wood was also chosen because it burns very slowly and has very little smell of it’s own.
Each stick will burn for an hour. Of course, if it is burning on a windowsill of an open window or under a fan it will cut down the burn time.
The sticks are saturated in scent, so they are strong, and the scent lasts on the stick for longer than it does on incense that is dipped. If you keep it in the zip-lock bag it comes in it will last at least 2 years.
There is no charcoal or alcohol used ever! So you will never hae a burnt after smell.
All the incense is scented with my own blends. It can be made in any of my 600 blends featured on my website www.mdancer.com.
For cratejoy each month in the Scent for Cents Box, customers receive 15 different scents. There are 10 sticks of each scent. The cost is just $10 a month. The scents are based on the month, flowers that are blooming, holidays, or events.
I guarantee to not repeat a scent in a year.
The first crate will include a plain wooden ash catcher. Each box after that will include a free gift of a burner.
I think Moon Dancer Scent for Cents Box is a great investment. The price is so right starting at only $10 a month, and you get so much for your money. The quality of the incense is superb. You even get a burner to go with your incense. This box is great for any witch’s arsenal! I recommend it!


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This is a very nice and luxury quality wine (or champagne) cooler with a proper finish!
Because of it's hight you can put it next to the table on the floor instead of the table.
This one is in a beautiful undamaged condition and has the looks of art deco period.
Black velvet underneath the cooler.
Will be send with track trace.
You can pick up this lot from the seller: Woerden (), Netherlands.