text:
Chad Van Norman joined Jarislowsky Fraser in 2001 and jointly oversees the firm’s institutional management activities for Canada. He is a registered portfolio manager and manages relationships for institutional and private wealth clients in Canada and the United States.
Prior to joining Jarislowsky Fraser, Chad was the General Manager of Investments for ATB Financial, where he was responsible for establishing and managing the investment planning group. Chad has also worked with Merrill Lynch Investment Management and Canada Trust.
Chad is a member of the Management Advisory Council at the University of Calgary’s Haskayne School of Business and is on the Calgary Stampede Parade Committee. He is an active member of his community and has coached numerous ringette, soccer & hockey teams over the past decade.

industry_corpus2: Finance & Economics


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After Organiclea kindly hosted the summer gathering in the Lea Valley, this autumn we will be heading south of the Thames to visit, support and learn about May Project Gardens which fuses food-growing, youth work and community empowerment into a very inspiring project.
You can read more about the May Project Gardens in an interview with co-founder KMT here, and support their current crowdfunder here.
An opportunity to work together in the garden, share skills and participate in timely tasks at May Project Gardens.
People are invited to bring food/harvests to share which will contribute to a lunch with Caribbean blends on the menu cooked by Community Centred Knowledge and Granville Community Kitchen.
There will be a tour of the site and history of how May Project Gardens came to be, where it is now, and plans for the future!
And if you haven’t seen it already please see the London Community Food Map we launched in September.

industry_corpus2: Agriculture & Fisheries


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Tiger Muay Thai and MMA training camp is but one e-mail away from all the questions you need answered. Our internet & e-mail hostess will be able to answer all your questions and our reservation department assist you through your booking.
When you get to the camp we have a full guest relations and concierge department that’s sole job is to look after our guests needs, answer your questions and assist in any practical manner you might need during your stay.
Send an email to info@tigermuaythai.com or fill in the form below and we’ll get back to you as soon as possible.
Please also read through our F.A.Q as you will find the answer to the most common questions there, thanks.
Tiger Muay Thai & MMA in Phuket is located in the Chalong Area at 7/35 Moo 5, Soi Ta-ied. Take a look at our simplified map of the area or download the “taxi driver” card with a map and Thai writing.

industry_corpus2: Sports


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Boxer Daley Ojuederie’s time in the Big Brother house has come to a premature end after he was ejected for ‘aggressive behaviour’ towards fellow housemate Hazel O’Sullivan – after an apparent play fight got out of hand.
The pair had been enjoying a flirtatious relationship in the house – but things took an unpleasant turn after Daley’s threats towards her, leading to him swiftly being given the boot.
And in doing so, he joins an elite club of Big Brother contestants who have also been involuntarily ‘removed’ from the house – some before they barely even had a chance to unpack.
So how many of these unfortunates do you remember….?
‘Nasty Nick’ was the first ever Big Brother housemate to be ejected by producers after he was caught trying to manipulate the nominations process – and given a rather public dressing down by his fellow housemates (with over six million viewers tuning in to watch as Craig Phillips furrowed his brow in despair at the situation). Inevitable pantomime villain roles followed (plus a return in 2010 for Ultimate Big Brother, during which he miraculously managed to avoid being thrown out again).
Big Brother’s would-be anarchist was given the boot after just one week in the house after a string of rule infractions including attempting to smuggle the alcohol fridge into the bedroom and painting all the house’s mirrors. She also refused to leave upon being told the news, with Big Brother responding in kind by dropping the £100,000 prize money for every minute she stayed in the house. Unsurprisingly she didn’t stay long after that.
The housemates seemingly dropped like flies in series five – with Emma following Kitten out of the back door of shame just two weeks later for her part in the series’ now notorious ‘fight night’. All of which meant we sat through thirty days of shouting ‘just vote someone out already!’ at the TV before anyone was evicted by proper means.
‘Exercise scientist’ Dawn (no, we have no idea what that means either) managed six days in the house before getting her marching orders, after it became apparent an ‘urgent’ message from the outside world was actually a secret code from her sister – a big no-no in Big Brother land. As the clip below shows, there was clearly no love lost between Dawn and show bosses – with the maligned housemate later going on a 20-day hunger strike in protest at her apparent mistreatment in the house.
Aspiring actress Emily sealed her fate just nine days into the 2007 series after she casually slipped a racist term into a conversation with fellow housemate Charley Uchea. While general opinion suggests her use of the word was more reckless than racist show producers – still reeling from that year’s notorious Shilpa Shetty/Jade Goody showdown on Celebrity Big Brother – were having none of it, and sent the teenager packing.
Feisty Alex lasted 14 days on the show before making apparent ‘threats’ to her fellow housemates, declaring: ‘I’ve got a very, very, very, very, very strong team outside the house…I’m talking about my gangster friends. They got some instructions to follow out.’ Unsurprisingly she was swiftly booted out of the compound by producers, and proceeded to blame her fate on bad editing. But isn’t that what they all do?
Scottish dancer Dennis wasn’t far behind Alexandra, getting the boot on day 23 after a row over a spoiled painting got out of hand, culminating in him spitting in the face of fellow housemate Mohamed Mohamed, and E4 pulling the live feed from the airwaves as the ensuing ruck was deemed so serious. The inevitable ‘fight night’ comparisons ensued. And nothing else interesting happened for the rest of the series.
You’d have thought Coolio would have been an old hand at this Big Brother lark, having previously reached the final of the 2009 celebrity version of the show – but having to share a house with former winner Nadia Almada clearly proved too much for him in the ‘champion of champions’ series and he left on day five by ‘mutual agreement’.

industry_corpus2: Film & Entertainment


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The Grove Police Department is changing the look of its front line patrol cars to a more traditional black and white over the next six months, according to Police Chief Mark Morris.
�Black and white is the traditional color for police cars. The new paint is modern in a traditional way,� Morris said.
So far one patrol car has been painted, and Morris said he expects the rest of the fleet to be finished within six months.
He said the cost for each new paint job is $700 to $800 per unit, as opposed to a cost of around $5,000 if the painting was done by an outside source.
City of Grove Vehicle Maintenance Specialist Matt Smith, who is in charge of the paint jobs, said it takes about 100 hours for each vehicle.
�We�re very proud of the work Matt did,� Morris said.
He said the new look makes officers more visible to the public.
�We hope this improved visibility will serve as an added deterrent to criminal activity,� Morris explained.
He said the department will be adding four new Chargers to the fleet in December.

industry_corpus2: Law & Justice


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The image on the front of the postcard should be simple, but attractive. Bright colors are better than dark. You should also use an image that’s easily understood, like your web site. And always include your web site address under the Web Site image because you usually only have a few seconds to impress the recipient.
Print-Services.com can help you find a targeted mailing list. Or you can contact our mailing list partner, AccuData directly. Renting a mailing list is actually pretty inexpensive. List can be rented for single use or multiple use. Print-Services.com recommends multiple use lists. Marketing Solutions They usually cost only a little more than the single use list and they allow you to manage a year-long campaign to a targeted list. (see tip #3) If you are still worried about the cost and don’t need a lot of names to get started, you can always create your own list. You can find names by flipping through organization and association directories or check your Rolodex. Before you put any name on the list, ask yourself if this person would be interested in hearing from you on an ongoing basis. If not, don’t send a postcard to them.
Most Americans get dozens of catalogs and direct mail pieces every month. The Lands End catalog and CitiBank Credit Card offers come to mind right away, why?, because they come every month, sometimes every two weeks. In other words, a business that clients and prospects hear from is one that they’ll keep in mind. That’s why it is good policy to send nine or ten postcards each year.
Congratulations, you put a lot of time in effort into getting your beautiful, full-color postcard into the hands of the right people, but your work is not done. You probably have a big list and if you are a small business you may not have the resource to contact everyone, but at least follow up with your key clients and prospects. Phone, e-mail or visit with them within a week of any postcard mailing.
The image gets their attention, the copy gets the sale. You want your copy to get your audience to do something. What should your postcard copy inspire your audience to do? Well, that’s up to you, but mostly likely, you will want to give the customer a special offer that will convince them to use your services or buy your product.
This, in essence is what sets direct marketing apart from conventional advertising. Most conventional advertising is aimed at building an image of a company. This requires a lot of repetition of an advertising message, and as you would expect, the process can take a long time and cost a lot of money. On the other hand, direct marketing isn’t so much concerned with building an image as it is with getting people do something NOW. This is a much more cost-effective approach for small business.
Print-Services.com has had plenty of experience with customers who have never before printed services; have waited to the last minute and forget to include files or text; or who are just not sure what to do. Our instructions are pretty straight forward. The simple solution to avoid printing problems is to ask questions. Print-Services.com is happy to help, especially if you contact us before you actually send us the stuff you want printed. For on-line answers to printing questions, check out our FAQs.
Proofreading is never easy, especially if you have been looking at and editing your copy for days or weeks. Unless you are a professional proofreader then read every word out loud. Slowly and carefully, just as if you where trying to teach a child to read. You’ll be amazed at how well it works and how much you missed.
8. Who are you? Where are you?
If you are mailing these cards, you definitely want a return address so the post office can get the card back to you if a recipient’s address is no longer valid.
When you mail first class, you are bound to get returns. People move, companies go out-of-business. When you get these returns, don’t throw them out until you have removed them from your mailing list. Simple keep your list in an MS Excel spreadsheet, then you can delete the appropriate record from the spreadsheet. It is quick, easy, and organized. Also, if someone calls or emails to be removed make sure you oblige.
Keep at it. Like other marketing efforts, postcard mailings must be done over and over again to have a positive effect on your bottom line. Although postcard marketing can cost less than, say, a campaign of magazine advertising or promoting your business in the Yellow Pages, it is not cost-free. If you want to budget a direct mail campaign, use the Print-Services.com price list to determine the cost of the cards. A rented mailing list will typically cost about $50-100 per thousand, depending on the list. Print-Services.com charges $.08 per piece to print addresses on the postcards. Postage is the biggest investment, but if you are mailing at least 500 cards, you can mail at the per-sorted first class rate. This rate is typically $.21 for a 4×6 and $.34 for a 5×8. Definite pricing depends on your actually mailing list.

industry_corpus2: Computing & Telecommunications


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>Mathematics is the only true metaphysics.
This doesn't look like a mathematical sentence, but it certainly looks metaphysical.
"Dismemberment of knowledge is what we have been left with": or to put it otherwise, Division of Labour, the merits of which were so shrewdly described by Smith. As were its shortcomings.
In Roe's 1951 study of the IQs of scientists, the theoretical physicists did extremely well on verbal ability - often better than mathematical or visuospatial! Possibly in 1951 theoretical physics was more akin to philosophy, dependent on the mental manipulation of verbal concepts (verbal reasoning); and philosophers score better on verbal than mathematical ability.
You knew people in the manhattan project!?
I had mentioned Joe Rotblat before (post above). He used to tell very good stories about the other guys. He took me to a Pugwash conference, and when I put together a meeting with him and Wilkins (who got the DNA Nobel with Crick and Watson)and others it resulted in a letter we wrote together about atomic fallout after the Chritmas Island tests. J.W.Boag, J.Fielding, J.H.Humphrey, A.Jacobs, P.Lindhop, J.Rotblat, and J.Thompson. Cancer following nuclear weapons tests. The Lancet, April 9, 1983, 815.
Joe Rotblat was told that his project had "an unlimited budget". He was in a hut in the desert at Los Alamos. "Can we buy anything?" he asked. "Sure" his colleagues replied. Wanting to test the system, without abusing it too much, they ordered an old style barber's chair, claiming they were so busy on their secret work that they did not have time to go to have their hair cut. It duly arrived, and they gave it pride of place in the lobby of the hut.
In 1945 or thereabouts Joe was about to be put up for Fellowship of the Royal Society, but when he left the Manhattan project feeling that it had achieved its purpose in defeating the Nazis, and went into medical research, he was told that he had been passed over. However, he got a Nobel at the end.

industry_corpus2: Math & Statistics


text:
Choosing the right golf ball for your game can make a dramatic difference in your performance on the golf course. For you to maximize the benefits of all the high tech golf balls on the market today, it is important for you to know which is the right ball for you. At GPA we can help.
As with our club fitting, a golf ball fitting will show you which golf ball maximizes your performance from tee to green through optimizing your ball speed, launch angle, and spin rates.
Using our Foresight Sports CG2 Launch Monitor, we are able to pinpoint the parameters for you to maximize distance, spin around the greens, and feel.
Since we have found very little difference in launch and spin off the driver with hard and premium golf balls, we fit the ball to the wedges and short irons for maximum performance into the greens.


text:
Need to create a customer contact register and a phone call logbook? Whether trying to keep track of all your contacts or putting together a phone or address list for a specific event, Customer Log can help you get organized.
Great for sales department, clubs, or your own personal needs, the Customer Log will help you get off to a quick start. The Customer Log app can be easily customized, turning it into an email contact list, an address list or simple phone list.
Managing your contacts has never been so easier.


text:
Having a sofa bed implies you don’t have to commit that space as a bedroom and lose any dual functionality the room could have. Since of the ergonomic designs employed by the manufacturers of sofa beds, modern models can match practically any living space. Instead of having to tuck it away in a back room just to haul it out when needed, contemporary sofa beds are readily available in a variety of styles and materials ranging from rustic amenities to the sheer luxury provided by a leather sofa.
An additional fast and simple method to attain a new appearance in your bedroom is by changing your bedspreads. An embroidered bed sheet or one with trapunto design accents along the border would talk of comfort and style on a queen-sized bed. With a little idea and planning, bedroom sets and bedspreads can assist you reorganize your bedroom to mirror a stylish blend of individual choice and space design.
Customers require to attempt to discover a delighted medium between an overly bouncy, soft mattress, and a very firm, tough mattress. It is up to the customer to effectively select the best mattress that will fit for your body type, sleeping style, and spending plan.
In buying inexpensive mattresses, cautious and careful examination is essential despite the brand. Considering that value criteria are being followed closely in the making of mattresses, there are measurements for the greatest quality. Like for circumstances, long term stability, pressure distribution, edge support and hygiene are the fundamental specifications in figuring out the quality of mattresses. Other measures consist of suppleness wherein soft mattresses are most ideal for those side sleepers; for most of back sleepers, medium mattresses are highly recommended and for stomach sleepers, firm mattresses agree with for them. There are, nevertheless, mattresses of lower costs which levels of suppleness are flexible while some mattresses have one side that is firmer and the other side is softer in the sense of accommodating sleepers who share an usual bed.
A big king size bed mattress is great for big rooms and offers total comfort. A firm mattress with a soft exterior is perfect because it assists support your back while making sure comfort when sleeping.
Cleaning of these elegant and comfy mattress pads can be difficult, specifically if they are dyed. To stay clear of such troubles, you can make use of a plastic sheet on the mattress place to stop it from the switch till no liquid. You can additionally vacuum cleaner so that the mattress is devoid of dustand dirt. If properly taken care of are memory foam mattress pads are not only incredibly comfy however additionally long lasting.
While you might have a king size bed or a California king size, what if you need more than that? Exactly what if you like the large appearance? If you do, you are not alone. Some people simply adore to feel all wrapped up in the sheets. Because that is the case, they opt for the XL options. They do cost a bit more, however at the end of the day it all boils down to what you want, not what anybody else desires. If you don’t mind investing a bit more money, go for it.
Today’s duvets are a lot more than simply the fabric bag and the feathers. This modern luxury item is now made from down evidence textiles that are luxuriously soft to the touch and stuffed with very clean, de-dusted, very processed sterilized down of white goose. The bag is in box construction to make it the state-of-the art down comforter. With this kind of filling and construction, it stays cozy and fluffy for a long period of time.
In addition to having an option on beds, such online shops likewise hold an array of mattresses and bed coverings along with bedroom furnishing and linen for a wholly matched ensemble. Turn an easy space into a comfy and comfy bedroom with a totally matched bedroom set sourced from a single and credibled online provider. Considering that such a provider is taken part in volume trading, he is likely to pass on discounts to you, making his rate more attractive than a retail store’s rate. Buying online ways you minimize tax. Some online bedroom set providers have just an online presence has brick and mortar showrooms at numerous locations in cities across the United States. They have warehouses and showrooms from Orlando to New York, New Jersey to Maryland, Boston to Chicago, Miami to Seattle so you can go to these locations and choose the type and brand name you like many and have rate benefit as likewise free of cost delivery to your personal. From time to time, they reveal inventory-clearance sale, offering these sets at extremely discounted rate which is the finest time to purchase.

industry_corpus2: Manufacturing


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With the help of specification pattern, business logic or business rules management inside the application can be simplified and code becomes more readable and you can remove those ugly “if else” ladders. Specification immensely helps out to refactor the existing code so as to consolidate the business rules of the system. More benefits of specifications are; you can change the business rule either in terms of hard values or also in terms of business rule composition itself.
With Specification pattern while we are dealing with flow of information business rule complexity is abstracted and code looks pretty simple.
If you explore the code provided with this post (source code pointer at the end of the post) further, you will see the beauty of construction of specification named “DiscountSpecification”. Discount Specification has method called SatisfiedBy method which utilizes other specifications and builds the business rule whether on specified order, discount is applicable or not. Since Discount specification is built on other specifications it’s a “Composite specification”. Sometimes, this terminology is used to indicate the construction of specifications.
Here is the code for IsSatisfiedBy method.
And this business rule change will be reflected across the application. Now, consider that business changed the rule and now discount will be only given to orders having order total more than 50000 USD. Then, we just need to reflect this change inside our HighValueSpecification class.
In similar fashion, we can also add new Specifications to satisfy the new business rules.
You can find the Code sample for this post on github here. I have not included tests with this sample. The code sample also contains a small specification framework that you can reuse. Please note that, this code is not a production code and posted on github for the explanatory purpose.
This entry was posted in Uncategorized and tagged DesignPatterns, Specification on June 23, 2012 by lalitkale.
Recruitment is the most important thing in learning organization. It can change the every aspect of your organization. You hire right people with right attitude, give them chance to flourish and they can turn your SME into fast, responsive well oiled machine which is ready to adapt to any kind of business challenge. In fact I think this is so crucial that if I am the CEO then, I must have taken part into interviews of prospective hire.
Nowadays developers know all fancy and shiny things and their resumes are flooded with the buzzwords such as web 2.0, WPF,WF ;but very few have mastered the art of computer science. I think basic developer should not fall into the trap of these buzzwords and go for building the sustainable portfolio. If you are a polyglot programmer that is good thing in today’s market, but you should be really a master of at least one technology.
Many Developers try to pretend to know everything that existed in the world that might be from MS-Office [don’t laugh! I had seen such resumes where people come for senior developer post and they even mentioned MS-Office in Skill set!] to WPF and WCF.
These are really jargon driven people who just think that they are commodity stocks.
In my opinion what senior developers should possess is;they should be at least good in algorithms. Not some Google’s page rank kind of algorithms but just real ground work algorithms like searching sorting and building up stack queues will be good enough.
Second most important thing is ,they should not be so much affectionate to some language’s syntactical curry rather I dare to say that even if they can write some good pseudo code I am fine with them.
Concept Implementation and differentiation is also good area where senior developers could look at. Inheritance, polymorphism implementation in various OO languages like C++, PHP, C# or Java should be known.
Last but not the least they should possess some good hobby that they really care about. Yes, this is crucial to look at from wide angle into life and things that falls beside computer knowledge. It will surely help them to grow into a good leader or good team player.
This entry was posted in Learning Organization and tagged basic skills, developers, hiring, Learning Organization, recruitment on August 23, 2009 by lalitkale.


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text:
Sandy Smith woke up to the annoying and familiar sound of the alarm clock. It was another day and the beginning of another hectic week. She rolled from her stomach onto her back and unburied herself from beneath the old, down-filled, pillows. Sandy reached over and pressed the snooze button in an attempt to steal five more minutes of peace. As Sandy stretched, she felt the pain, a stiff ache that had unfortunately loomed over her body every morning for quite some time.
Once out of bed, Sandy leaned over and tried to concentrate on making the perfect hospital corners. She slightly lifted the large, squishy mattress, and tucked the corners just right, trying to ignore her stiff muscles and joints. She shuffled into the bathroom and brought her toothbrush to her mouth. Hunched over the sink, trying to avoid the tired reflection staring back at her, Sandy brushed her teeth. Her motions were slow this morning, and she had no time to concern herself with a little pain.
"Here they come," Sandy thought to herself as she heard the pitter-patter of four little feet running down the hallway. The kids were awake, eager to begin the day. Sandy threw on a skirt and sweater, pulling her brown high heels out from the back of the closet.
"Ow," Sandy exclaimed. The pain in her back sent a sharp signal to her brain that the day was not going to run smoothly. She clomped down the hall to retrieve the hairbrush stuck in her daughter's long hair, and her feet found Barbie. Her heels had little traction and she grabbed the banister for support.
Realizing she was late, Sandy bent over to scoop up her 2-year-old. Her back seemed to yell at her, and she suddenly realized her toddler was becoming heavier every day.
After cereal and burnt toast, Sandy marched her girls to the bus stop and waved good-bye as she turned toward her car, angry with herself for sleeping those five extra minutes. She would have to face Monday morning gridlock and suddenly felt the beginning of a headache that would stay with her all day.
"I love Mondays," Sandy said to herself as she sat in traffic. She reached for her cell phone, cradling it between her neck and head. Her conference call would need to be conducted in the car, and her headache only worsened.
Thirty minutes later, Sandy pulled into her parking place. She sprang from her car, heaved her over-stuffed leather bag over her shoulder, and scurried through the office doors.
Sandy's Monday morning was filled with telephone calls and last minute deadlines. She tried to type and talk at the same time, constantly crossing and re-crossing the left leg over the right. She began breathing erratically when she realized her deadline would not be met. The lunch hour was approaching, and it suddenly occurred to Sandy that she had not taken a break all morning. Her computer screen appeared blurry and her wrists were stiff.
The remainder of Sandy's day was much of the same, and she could not wait to take off her shoes. After skipping lunch and sitting through meetings, Sandy drug herself to her car, threw her bag in the back seat and started the stressful trek home. That night, after the kids devoured dinner, Sandy longed for a long hot shower. The girls were in the bathtub, and she winced as she reached over to carefully lift her toddler onto the floor. By this time, her neck and joints screamed in pain and Sandy wanted nothing more than to climb into bed.
It was eleven at night and Sandy was finally lying down. Her bed and pillows did not seem comfortable, and she felt for only an instant that her neck needed a little more support. She drifted off to sleep out of sheer exhaustion.
Does Sandy remind you of anyone? The more stressful our lives become, the less we focus on the "moment." When we aren't conscious of how we sleep, breathe, stand, lift, bend or sit, our bodies can take a beating that results in lingering pain. We often avoid the early signs of discomfort we feel in our back, shoulders or neck until we are unable to ignore the pain. By reading the tips below, you can learn to make even the busiest days pain free.
When you wake in the morning, start the day with a couple of stretches. Stand up and stretch your arms above your head. Do the "hug your best friend." Wrap your arms around your body, and turn as far as you can to the left, then to the right.
When performing everyday routines such as brushing your teeth, remember your posture. Do not hunch over the sink; stand up straight.
Don't bend from the waist when you lift a child. Squat with your back straight. Keep the child close to you and use your arms and legs to lift.
Hold the telephone with your hand or use the speakerphone. Cradling the phone between your head and shoulder can lock up the spinal joints in the neck and upper back, eventually causing pain.
While in the office, make sure your chair fits correctly. There should be two inches between the front edge of your seat and the back of your knees. The chair should tilt back so you are able to rest while reading from a computer screen.
Many people suffer from tension headaches. Adequate lighting and document holders by your computer can help reduce the risk of a headache. Materials placed on a desk cause you to constantly raise and lower your neck while you're typing at your keyboard.
Do not wear high heels. The weight of the foot is not evenly distributed, which not only causes sore feet, but also added spinal stress.
Do not carry a heavy bag with its strap over your shoulder, unless you place the strap over your head on the side opposite the bag. Wearing a shoulder strap over one shoulder unevenly places the weight of the bag on one side of the body, potentially causing shoulder and back pain. Or better yet, carry a bag with a handle rather than a strap.
Do not consistently cross the same knee over the other. This habit can eventually cause misalignment of the spine.
Even if you remain sitting for the majority of your workday, you deserve a break. Get up from your desk and move around, stretching arms and legs as much as possible to avoid postural and spinal stress. Try to practice deep and even breathing to keep yourself calm and keep adequate oxygen flowing through your system.
Bath time can be fun for the kids but stressful on any parent. Make certain to bend from the waist and not the back when bathing your children. Use your legs when you lift your child.
It is important to get a good night's rest. Choose a comfortable mattress and pillow that adequately support the weight of your head and body.

industry_corpus2: Health & Medicine


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Blurred and deteriorating vision is a common occurrence with MS. The reason is almost certainly caused when the myelin sheath develops scar tissue after being damaged during an auto-immune-system attack.
The existing conventional treatments that claim to work do no more than halt the deterioration.
Firstly take the enzyme Serrapeptase (Serrazyme). This enzyme dissolves the scar tissue that is blocking the nerve impulses. This in itself will give a remission. Then put the action plan into operation immediately.


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Want to learn how to wake up early and with energy? Tired of waking up feeling the fatigue, dragging yourself out of bed, and having that fatigue follow you around for part or all of your day? You can train your mind and body to wake up with energy, to wake up earlier, even to wake up before the alarm.
What’s your morning feel like? Do you hit that snooze button a few times, finding it more and more difficult to open your eyes each time? Maybe you even sleep right through that last alarm and find yourself waking up late and in a panic to meet your schedule? Do you feel fatigue in the morning? Have a hard time waking up, maybe even take caffeine pills or coffee to get going?
Or do your eyes pop open, your mind instantly filled with energy and positive thoughts about what the day holds for you, while your body jumps out of bed, your feet hitting the floor feeling ready to go?
Would you like that for yourself?
How to wake up in the morning with energy.
Suzie used to get up in the morning full of energy. She woke up a couple of hours before she needed to leave the house, and this let her feel like she owned her day. Owning her time in the morning, having time that she knew would go the way she wanted it to, set her mood for the day. It was a powerful thing in her life. She didn’t even realize how powerful it was, until she let it go.
Suzie got a new roommate. And that roommate hated that Suzie was up so early. They would complain and complain. “Don’t wake up so early! Just get up a few minutes before you need to leave.” Of course, the roommate was being selfish. But Suzie allowed herself to be swayed. She started sleeping in. She no longer set her alarm to make sure she got up to enjoy her wonderful morning time. She got up and went straight to the shower, dressed and left for the office about 20 minutes after she had gotten out of bed. She told herself it would be OK because after all, she was getting more sleep. Doesn’t everybody need more sleep?
It wasn’t long before Suzie was feeling the negative effects of the change. She didn’t feel more energetic because of getting the extra sleep. In fact she felt groggy almost until lunch. She was in a surly mood. She no longer enjoyed the sights on her morning commute; her mind stopped noticing things that were unique and beautiful. And people at work were noticing, too.
After about 6 months Suzie realized the mistake she had made. As the seasons changed, and spring approached, she found herself really missing her morning time and realized the change she’d made had changed much more than just her mornings. Roommate or no roommate, Suzie set her intention to go back to having her morning time.
It took a couple of weeks of setting her intention (and her alarm!). At first her body balked at getting up earlier. She’d established a habit of sleeping in. But Suzie held fast to her intention, remembering how effortless and comfortable it had been before to wake up early, even before her alarm went off many mornings, and of all the rewards of having that morning time.
You can be like Suzie!
Ok, time to confess. Suzie is me. And that story was back in 1995/1996. Way before I took my hypnosis training, so I retrained my body and mind to wake up with energy in the morning again with my intention, creating a habit.
How you wake up in the morning really is simply that — it’s a habit. And habits are learned.
Reflecting on my experience and adding my current knowledge of how the mind works to create habits, I wrote Wake Up with Energy, using hypnosis and NLP (Neurolinguistic Programming), to make this process of setting a new habit to wake up with energy even more effective and faster working. So while it took me 3 weeks to create that wake-up-early habit back in 1996, with this hypnosis session you should begin feeling the results with the very first morning you start using it.
And as you keep on using this recording for 3 or 4 weeks, your mind and body will grow so used to that habit that it will become your new way of being. Maybe you’re like me and you’ll find that waking up in the morning, easily, and full of energy is a reward in and of itself and you won’t be able to even imagine ever giving that up again.
After all, what would you be giving up? Sleeplessness? Fatigue? Caffeine pills?
Create your new energized morning habit today!
Wake Up with Energy Hypnosis Download programs your subconscious mind, using your desires and intention, to trigger the energizing abilities of the breath so you wake up easily, with energy, expecting great things from your day. Try it! It’s better than caffeine pills!
Train your brain to bounce out of bed in the morning.


text:
View or print all membership contact information in spreadsheet format.
Only the MEMBERSHIP CHAIR is authorized to add or edit membership information.
PDF Format viewable or printable with Adobe Acrobat Reader.
SW Membership Web Site created January 1, 2011.

industry_corpus2: Others


text:
Stopping only to retrieve a shovel, David carried his wife’s body out to the circle of rosebushes she had tended so lovingly in life. The snow had fallen thick, coating the land, and even now flurries danced around them. He knelt in center of the bushes, laying his wife gently on the snow.
A tear froze to his cheeks as he considered her silent form before him, so peaceful, so still. He knew the ground would begrudge him every shovelful of dirt, but he would not leave her for the wolves.
It took him only a few scoops of his shovel to clear the snow, revealing the frozen ground. With an anguished cry, he stabbed the shovel into the earth and felt it yield only slightly. Time after time, the shovel rose and fell, tearing the soil with agonizing slowness.
After several minutes of hard labor, David rested on the shovel, his breath forming roiling clouds in front of his face. No tears came now, and he wondered if any water could escape into the frosty air.
Footsteps crunched in the snow behind him, and David whirled towards the sound, swinging his up in front of him. He lowered it a moment later as he recognized the robed figure.
Together, they completed their task in silence as the clouds cleared, revealing a night replete with stars.
A week before the next Christmas Day, David rolled out of his bed onto his knees and found that he could not stand. When he pressed against the ground with both feet, he found both legs as unsteady as a new lamb. Coughing wracked his body, and when he glanced down at his hands, he found them speckled with blood.
David slumped back onto his bed, letting the terrible truth sink in. Though he had escaped the plague’s influence for so long, he could not run from it forever. In only days, he would wither away, and his own body would be tossed into the cold earth.
The days passed in a blur, in which he did not leave his hut, not caring about the fate of his sheep or of any in the outside world. Long hours he prayed as the sickness progressed, wishing that he could simply give in and soar from his body towards a reunion with his wife.
On Christmas Eve, the snows fell hard again, as they had the night of his wife’s departure. After lying bed for days, he had recovered a sliver of strength, and he knew what he would do with it. Steadying himself with his shepherd’s crook, David rose to his feet and stumbled towards the doorway.
He lifted his eyes in an attempt to gaze into the heavens, but stopped halfway there, his eyes riveted on the strangest sight he had ever beheld.
A rose—scarlet and full, dusted with the diamonds of a thousand snowflakes. It burst from the center of the rest of the wilted bushes, like a piece of summer perfectly preserved for the middle of winter.
David blinked hard. Perhaps it was a trick of his tortured mind. He reached up and ran one finger across one of the smooth petals. It felt real enough. Many times, David had cursed his foolishness for not saving some of the rose petals for winter for himself to make his wife’s healing concoction. Instead he had given them all away. If he wished it, this rose could be his salvation.
But why would a rose bloom in the middle of winter? He knew he hadn’t seen any other roses, not even buds the last time he had checked. Why strange twist of fate had brought him a new rose on the anniversary of the night he had lost his Rose?
As he stared on, barely comprehending, he noticed something else that defied comprehension: the rose bore no thorns. Though it held more petals than any rose he had seen, not a single thorn jutted out from its stock.
He was about to write the whole matter off and lie down in the snow to die, when a familiar voice spoke from behind him.
The priest’s footsteps crunched away through the snow and David could not muster the strength to argue. The priest returned only minutes later, holding a wooden bowl with both hands, it contents letting out a continuous trail of steam into the frigid air.
Father Praetorius brought the bowl to David’s lips and tipped it gently, splashing some of the deep red liquid over David’s mouth. David’s cracked lips parted, accepting more and more of the liquid until he had drained the bowl.
“I feel…warm,” whispered David, managing a sitting position.
Leaning heavily on the smaller man, David made his way back to his cottage and into his bed. The pain in his limbs had subsided and even the storm of anxiety in his chest had given way to calm. The priest placed another blanket over David and rested a hand on his shoulder.
David nodded slightly and shut his eyes, finally slipping into a peaceful sleep.
He ran out the door, before the priest could respond, tramping through the snow towards the garden. Fearing that the wintry blasts had destroyed the rose during the night, he prepared himself for the worst. When he arrived, however, he saw that the rose still stood, as resplendent as ever. With a sudden feeling of reverence, he knelt before the flower and considered its pristine beauty.
David fell silent, his emotions to full for speech.
“Thank you, father,” muttered David, not able to meet the priest’s gaze. “You have given me much to ponder.” David sunk to his haunches and listened to the priest’s feet crunch in the snow. He likened this kind of food for thought to a royal feast, and he had only until sundown.
Instead of returning to the warmth of his hut, he remained in the snow. Sometimes he sat and stared at the rose, others he paced the garden. He remembered the nights lying in their bed alone, because Rose was still making her rounds in the village. He recalled the charming, lilting melodies she had hummed cultivating the roses, and the light dances she performed when she thought no one was looking.
Finally, he sunk to his knees and bowed his head, his thoughts lapsing into prayer.
Keeping his gaze steady, David smiled. “I have. In the past hours I have thought much about what she would have done. I can think of only one thing.” He turned and reached for the rose, his hands shaking. His fingers slipped around the thornless stem, pausing slightly before snapping it. The perfect rose in his hands, David turned and offered it to the priest.
David followed Father Praetorius through the snow, winding their way toward the village. They reached the town square in which the other monks and priests had already gathered around the massive, steaming wassail bowl. On a normal year, the entire square would be bustling with townspeople, though now only a handful accompanied the robed men.
The holy men parted as David approached, holding the rose aloft for everyone to see. All eyes tracked the perfect bloom, many bowing their heads in a silent gesture of respect. David and Father Praetorius reached the bowl, and David turned and handed the flower to the priest.
Offering a genuine smile, the priest took the rose and plucked the petals one by one, dropping them into the wassail bowl. Scarlet spread across the amber liquid, until it permeated the entire wassail. Plucking the last petal, the priest handed it to David, who let it fall into the center of the bowl.
The priests lowered the bowl and raised wooden goblets. Each in turn dipped his goblet into the main bowl and withdrew it full of scarlet liquid. As soon as he had filled his goblet, each priest or monk turned and hurried off in their pre-determined direction to share their life-giving offering to a stricken household.
Father Praetorius offered David a goblet and filled his own. Together, they made their way to a cottage on the outskirts of the village, entering to find a family on their sickbeds, languid and approaching death. Humming the tune that the priest had coined that evening, he and David stooped to each bedside, offering sips of the wassail. When they had finished with this family, they moved to the next, until they had drained their goblets.
That Christmas night turned into a string of snowy winter days, which gave way to Spring. The plague vanished from the village, never to return. David took his flocks and his wife’s garden and gave them to the monastery. Before the spring thaw, David took his vows as a monk, founding a new charitable order known as the Order of the Rose. The rosebushes flourished, and every Christmas night, they placed the brightest rose into the bowl, sharing with all the symbol of their salvation.
Lo, how sweet a story!

industry_corpus2: Literature & Emotions


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How we’re now seeing may not be recommended (though we might not know this).
Our mental conditioning is so deeply patterned, we are often trying to see Life and Yoga through our Western lenses.
If we do this, we will continue seeing things the way our Western minds do. Through our mental conditioning.
we’ll know we’re in conditioning when there’s a sense of dichotomy, with people, perspectives, and goals.
With people, dichotomy shows up as the sense of self and other. This has deeply infiltrated our conditioning and our history for hundreds of years. (This causes the sort of in-fighting that is painfully evident all around us, and has been.) With this dualistic thinking, hierarchy is woven into our cultural tapestry, and lives within us. We raise some people up, we diminish others. We raise up aspects of ourselves. We hope to hide other aspects. We dehumanize and de-spiritualize. Our ‘Self’ easily becomes a commodity. Others become resources to be acquired or discarded. Aspects of ourselves that we feel will keep us safe are prioritized in order to move toward the goals of our conditioning. We present these aspects to the world in an effort to acquire more love and belonging. Aspects of ourselves that we fear could cause alienation, rejection, loss of inclusion, or loss of place/status/position are suppressed.
We lose sight of the indwelling, shining, awakened, clear heart. Those bright beings in whom we feel this shining (today and in history) weren’t especially endowed with this grace. They simply weren’t blocking it with conditioning.
Dichotomy in perspectives shows up in black and white thinking: Good and Bad.Desirable and Non-desirable, Right and wrong, Past and Future, Forever and Never. When we live with these orientations, we create the conditions for suffering;craving and aversion, grasping and resistance. We are unable to see clearly. We collapse into false perceptions of ourselves and others. People and events become a product rather than a process. (I am [this way]. You are [that way]. I am [good] when I do this. I am [bad] when I do that. This [always] happens to me. That will [never] change. You are [worthy]. You are [not worthy].
We lose sight of the actual bio-psycho-physiological reality that we are all a process unfolding, emerging, dissolving, rising, and fading. We are in process. There is no “period’ at the end of this sentence. There is no one decimal point on the timeline of our life that we can hold on to. It is fundamentally all ephemeral, ever-changing, and ever-fresh. At times, our conditioning, our darkness, will obscure our radiance. At other times, our radiance may shine through. It may seem spontaneous, yet there are interpersonal brain processes occurring that light this up. Understanding this is the path of awakening.
“Your attachments: You will inevitably look for what fosters or threatens them and turn a blind eye to the rest. You won’t be interested in the rest.
Your fears: This is what fears do; they irresistibly rivet your attention on to some things to the exclusion of others. You falsely think that your fears protect you, your beliefs have made you what you are and your attachments make your life exciting and secure. You fail to see that they are actually a screen between you and life’s symphony.
We don’t actually need to be goal-oriented in a dichotomous way (as we are here in the West), through striving, competing, winning or failing, gaining or losing. So many mystics have pointed to the process of profoundly deep relaxation, about ourselves and life. This is a path to realize the flourishing of the inner intelligence trying to make its way through us. However, the number of mystics is far fewer than the numbers of sales people (points of view, products, goals, destinations, dogmas, paradigms…). All of these “products” slip through our fingers in the flowing nature of life.
We lose sight of our instincts for collaboration, camaraderie, companionship, and compassion.
We lose sight of that immensity which is benevolently, non-divisively, non-judgmentally trying to care for us as an aspect of the divine natural world. When we separate ourselves from this, we create the conditions for suffering: ignorance, ego, craving, aversion, and fear (the kleshas).
Why Does the Eclipse Inspire Me?
A Time to Understand Darkness.
A Time to See That Which Has Been Shining All Along.
Feel the larger pulse of life, in you, surrounding you.
Remember that this vision is emerging not as a single moment in time, but through a flow of continuous moments.
Before the moon begins to obscure the sun, feel your body.
Notice any sensations of anticipation.
As the moon begins to obscure the sun, feel your body again.
An object is about to move in between you and a source of immense radiance.
This object is neither good nor bad. It is impersonal.
It is not doing something to you.
The moon has no ill-will. No good will.
Relax your body and mind. Soften.
Observe without anticipation or expectation.
You are not in charge of the timing. You can’t slow it down.
You can’t halt it.You can’t speed it up.
You can be present with it moment-to-moment, as its ephemeral nature is going by.
As the moon further centers itself over the sun and darkness comes, feel your body again.
Feel yourself experiencing this while millions of others simultaneously pause in silent awe, in darkness.
Darkness has obscured our radiance throughout history.
Conditioning has blocked our clear seeing.
Its residue is in our bodies. Its patterns have become convincing by repetition.
We’ve passed this on through generations.
As the moon obscures the sun, feel your body again.
Feel your body’s response to the darkness. Imagine the distance between you and the moon. The moon and the sun beyond it.
An enormous stretch of time occurred before you were born, before you read these words. Another infinitely enormous stretch of time will go on after this eclipse and beyond your life span.
How would you like to live while you’re here? How might awe in the face of darkness (ignorance, ill-will, conditioning, separateness) shift your relationship to it?
As the moon begins to shift out of the sun’s center, feel your body again.
What happens in you as the darkness, the halo, and the artistry unfolds?
What happens in you as the radiance returns?
In these moments, fleeting and precious as they are, feel your body again.
Remember, our planet is moving through space. We’re revolving. We are not standing still!
This is a contributing element to the entire process.
As the radiance of the sun shines again, unobscured by the moon, feel your body again.
This radiance, too, is impersonal. It is not singularly choosing you to shine upon. Nor is it excluding any one.
It is also finite (its life span may be beyond that which any of us can imagine, but remembering this finite nature can increase our gratitude for its existence today).
How might clearly seeing the role of conditioning in darkening your perspective support your awakening from suffering?
What happens in you when you consider the conditioning imposed on you wasn’t personal?
How might you know, in your body, your senses, your intelligence, your love, when darkness is getting in your way?
How might dropping a dichotomous point of view open you to a process that is larger than your current perspective about yourself? About others?
What contribution would profound inner relaxation make in supporting you to be a part of the Revolution that’s being called forth (and has been through history)?
What vitality would be freed in you if you lived more often in awe, in clearly seeing the precious, fleeting, impersonal, inclusive, poignant nature of life?
This may be perplexing to you (about yourself or someone else)… even when offered the chance to give up our conditioning and rest in the love and belonging that wants us to know itself through us*. We may become more attached to the narrative we’ve been telling ourselves. We may become timid, cowardly, or aggressive,. In the presence of awe, sometimes we tremble yet it is also in us that we can dwell in awe.


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Key West diving is one of the most popular adventure sports activities in the island of Key West in the state of Florida. Several diving sites offer visitors a wide range of diving and snorkeling experience. The following are the major diving spots in Key West.
Sambos Reef is a collection of several reefs, known as Eastern Sambo, Middle Sambo, and Western Sambo. White sand masses separate these reefs. The depths of these reefs vary between 10 feet and 50 feet.
Sand Key is located southwest of Key West and it is about seven miles away from the main island. Sand Key is very famous for great diving and snorkeling facilities. The depths of Sand Key range from 35 feet to 75 feet.
Many local companies offer diving and snorkeling sessions in mornings and afternoons, taking the visitors in their own boats. The prices might vary according to the duration of the diving and snorkeling trips and the equipment and gear that they provide. Further, many of them offer fun and short courses on diving and diving related activities. Such courses include identification of various types of fish while diving, underwater photography, underwater videography, conservation of coral reef, underwater naturalism, night diving, deep diving, and monitoring reef conditions. These courses help divers and snorkelers understand, enjoy, and protect the underwater world and its inhabitants.
Nearly all the companies offering guidance in diving and snorkeling have a wide range of programs for all types of divers and snorkelers. If you are completely new to diving, they help you learn lovely Key West diving initially in the warm, clear waters that surround the island. The courses help you learn diving at your own place, with flexible schedules that suit your individual preferences.
Another facility that these companies provide is guided Key West diving, so that you could confidently dive with a highly experienced diver accompanying you and helping you in identifying fish and learning coral reef ecology. Further, they accommodate families having youngsters with extra care for the young people. They also offer discounts to families in Key West diving and snorkeling.
Many Key West diving and snorkeling companies help visitors with lodging arrangements also that vary from economy accommodations to luxurious facilities. Some of these companies offer only training in diving, while others concentrate exclusively on diving trips. However, many of them combine both activities and you could select the Key West diving company that suits your specific requirement.

industry_corpus2: Travel & Geography


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It must be considered that requirements may vary according to body weight and dietary intake will need to be amended for this accordingly. It must also be considered that nutrient requirements on a body weight basis will increase in proportion to the type, intensity and duration of work, ambient temperature and horse temperament.
NB; ^Ad lib meadow hay consumption of 2.0-4.0kg/day has been calculated according to the daily dry matter requirements for a 500kg horse in light, moderate and heavy work.


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The American Taxpayer Relief Act of 2012 was not kind to wealthier taxpayers. They found out the extent of the damage when I filed their 2013 returns. The top ordinary tax rate is 39.6 percent. But, you could face added taxes. The most dreaded is the new net investment income tax of 3.8 percent. This is known as the Medicare surtax because the money goes toward that health coverage program for older Americans. Personal exemptions and itemized deduction totals could also be reduced.
Your total tax is less than $1,000, — or — You had no tax liability last year.
Higher income taxpayers. If your AGI for 2013 was more than $150,000 ($75,000 if your 2014 filing status is married filing a separate return), substitute 10% for 100% in (2) above.
April 15 Has Passed! Is It Over?
Your return has been filed. BUT, you may not be able to relax quite yet.
The Treasury Department announced that anyone who enrolled in qualifying Health Insurance Marketplace coverage and received an incorrect Form 1095-A and filed his or her tax return based on that form doesn’t need to file an amended tax return. The IRS will not pursue the collection of any additional taxes from you based on updated information in the corrected forms. This relief applies to tax filers who enrolled through the federally facilitated marketplace or a state based marketplace.
Some individuals may choose to file amended returns. The Treasury intends to provide additional information to help tax filers determine whether they would benefit from filing amended returns. I can help with reviewing any of the corrected information.
Only a small fraction of tax filers received incorrect Forms 1095-A. The Treasury estimates that in the vast majority of these cases, the impact on an individual’s tax liability will be very small.
Did you receive an IRS Letter 5071C? Wait! Don’t be too quick to dismiss this as a scam! The IRS mails the letter after it stops a suspicious tax return and needs to confirm who sent it. I need to review. The IRS’ Identity Verification Service is an online service aimed at stopping the filing of suspicious tax returns.
If you visit this service because you received an IRS 5071C letter, the IRS needs more information from you to process your tax return accurately or stop a fraudulently submitted return. You’ll be asked a series of questions about your identity and tax return history.
You’ll be asked for contact information that the IRS needs to verify your identity. You’ll also be asked multiple-choice questions generated by an independent, secure identity assurance service. This service uses non-governmental information to create the questions that only you are likely to know. The information you give will be checked against your records to protect you from identity theft.
And your 2014 tax return.
You may be asked to verify information from your return, including your gross income. Don’t delay. If you received IRS Letter 5071C, your return won’t be processed until additional information is received by the IRS! In some cases, the IRS may have transposed some numbers or it could be a case of identity theft. The IRS is quick to state that in case of identity theft, they may not be held liable for any refund issued in error. For that reason, give me a call as soon as you receive a 5071C letter.
October 15 is the return filing deadline but April 15 was the deadline for payments. Continue to gather documents that were missing earlier and search for any items necessary to verify Schedules with incomplete information. Please submit all of your information at your earliest convenience so we can determine what you will owe and we can take appropriate action. This could be applying for an Installment Agreement with the IRS or saving money to pay your tax bill.
Installment Plans. IRS offers installment plans with fees of up to $120 to set up. Available if the amount owed for tax, penalties and interest is $50,000 or less and all tax returns have filed timely. I can help.
Credit Card Payments. A “convenience fee” up to 2.35% applies, plus any interest until the balance is paid off. Call 1-888-PAY1040 to set up plan.
If you forgot some key information, I can file an amended return. You have 3 years after the filing deadline to change your return. Most 2011 & earlier returns have passed their deadline for filing an amendment. Call me if you have discovered tax documents or information that you originally omitted from a previously filed tax return.
For now, put your records in a safe place. You may need to dig them out for an audit one day.
Older Records. It’s a good idea to keep tax returns indefinitely. Keep all records of investments and properties you still own. For other records, i.e. cancelled checks, receipts, bank statements, etc. I recommend that you keep 5 years’ worth of these for safety.
If you get a letter from the IRS, try not to panic, just call me. The letters can be confusing. Don’t risk making an even bigger mess! We can handle it together.
There’s no sure-fire way to know. Your chance of an audit is less than 1%. That 1 in 100 chance is reduced to 1 in 250 if your return doesn’t include income from a business, rental real estate or employee business expenses. Almost 79% of all “audits” are really done by a computer. The IRS compares various forms like W2s and 1099 forms from your employer, banks and brokers with what’s on your return. When they spot enough of a discrepancy, an IRS letter is generated that appears to be a bill. Don’t pay it yet! Send it to me and we will assess the situation. The IRS is not always right!
I’ll be preparing your 2015 return several months from now, but we can stay alert now for changes that could create a tax surprise. Let me know about any new income items or changes in the members of your household.
This isn’t a tax deduction, but it’s an important subtraction that can save you a bundle. If, like most investors, you have mutual fund dividends automatically used to buy extra shares, remember that each reinvestment increases your tax basis in the fund. The cost of reinvested dividends reduces the taxable capital gain (or increases the tax-saving loss) when you redeem shares. If you forget to include reinvested dividends in your basis, double taxation of the dividends results, once in the year when they were paid our and immediately reinvested, and later when they’re included in the proceeds of the sale. Make sure that you provide me with all of your reinvestment documents so that you will pay the proper tax.
Folks who run their own businesses after qualifying for Medicare can deduct the premiums they pay for Medicare Part B and Medicare Part D, plus the cost of supplemental Medicare (medigap) policies or the cost of a Medicare Advantage plan. This deduction is available whether or not you itemize and is not subject to the 7.5% of AGI test that applies to itemized medical expenses. Be careful. You can’t claim this deduction if you are eligible to be covered under an employer-subsidized health plan offered by either your employer (if you have a job as well as your business) or your spouse’s employer (if he or she has a job that offers family medical coverage). I will make sure that the proper deduction is claimed.
This one just sounds complicated, but it can save you a lot of money if you inherited an IRA from someone whose estate was big enough to be subject to the Federal estate tax. You get an income-tax deduction for the amount of estate tax paid on the IRA assets you received. As an example, you inherited a $50,000 IRA, and the money was included in your benefactor’s estate which added $10,000 to the estate-tax bill. You get to deduct that $10,000 on your tax returns as you withdraw the money from the IRA. If you withdraw $20,000 in one year you get to claim a $2,500 itemized deduction on Schedule A. That would save you $500 in the 20% bracket. I will need all information that pertains to any inheritance that you may have received in order to take advantage of any deductions that you may qualify for.
Did you owe tax when you filed your 2014 state income tax return back in early 2015? I’ll already have this information if I prepared your return last year … if not, please inform me of these payments. Also, let me know if you received a bill from the State requiring additional payments that you paid.
College credits aren’t just for your ever-in school offspring, nor are they limited to just the first four years of college. The Lifetime Learning credit can be claimed for any number of years and can be used to offset the cost of higher education for yourself or your spouse…not just for your children.
The credit is worth up to $2,000 a year per person, based on 20% of up to $10,000 you spend for post-high-school courses that lead to new or improved job skills. Classes you take even in retirement at a vocational school or community college can count. If you improved your skills in 2015, this credit can help pay the bill. Claiming this credit phases out as income rises from $54,000 to $64,000 on an individual return and from $108,000 to $128,000 for couples filing jointly.
There’s no longer a tax credit for homeowners to save energy by installing storm windows and insulation. But the IRS still offers an incentive for those who install qualified residential alternative energy equipment, such as solar hot water heaters, geothermal heat pumps and wind turbines. Your credit can be 30% or the total cost (including labor) of such systems installed through 2016.
Although job-hunting expenses are not deductible when looking for your first job, moving expenses to get to that job are. And you get this write-off even if you don’t itemize. To qualify for the deduction, your first job must be at least 50 miles away from your old home. If you qualify, you can deduct the cost of getting yourself and your household goods to the new area. If you drove your own car on a 2015 move, deduct 23.5 cents per mile, plus what you paid for parking and tolls.
When you buy a house, you get to deduct the points paid to get your mortgage all at once. When you refinance, though, the points on the new loan are amortized – that is, deducted, over the life of that loan. That means you can deduct 1/20th of the points if it’s a 20-year mortgage. That’s $20 a year for each $1,000 of points you paid – not much, maybe, but don’t forget to tell me about it.


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This morning as we were checking out of our hotel, I noticed their enormous solar panel mounted on a pedestal automatically adjusts itself nonstop to face the direction of the sun. The hotel has won many awards for being green.
Thankfully for us, the weather predicted for today was sunny spells so off we sped for a day of exploration.
About 20 minutes from the hotel is Housesteads. It’s the ruins of an ancient Roman fort built before Hadrian’s Wall. From the parking lot it was a steep mile hike up hill, but the views from the top over the sweeping countryside were amazing. Beside the stone foundation of each house was a description and picture of what the structure probably looked like. There was evidence of plumbing and even heating under the floors.
We headed next to Durham which is a university town with an enormous cathedral. In the city center we took a wrong turn and somehow ended up on a one lane street full of shops and bustling with people: a pedestrian only zone with no place to turn around. We hoped the exit was just ahead, but instead we came to a dead end. With barely any room to turn around we had to drive back through the pedestrian zone as people scrambled out of the way. It’s at times like this when you want to duck down and hide, but amazingly no one seemed to mind.
Durham Cathedral was built over the tomb of Saint Cuthbert who was responsible for helping England obtain a stronghold in Christianity. We arrived in time for Evensong and the singing was moving and beautiful. It turns out that in the summer, their own choirs are on vacation so visiting choirs are featured. The one we heard was from Texas. The service ended with organ music which I love to hear. We met a guide who took us on a private tour showing us some of the ancient stonework, the cloisters, and the stained glass windows. He explained that no photos are allowed and that you must look and enjoy only with your eyes.
We are staying for the next three days in Whitby on the northern Yorkshire coast. It has a fun family seaside vibe with arcades, kids jumping in the harbor, fishing boats, and fish and chips. Tonight we can hear flocks of seagulls from our harborside hotel. I look forward to checking it out tomorrow.


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A few weeks ago I jumped in and played a few minutes with the players in the full field game and realized that there are some aspects of the game that I want to focus on. One of the bigger ones were to maintain the ball and not always go for the attacking play, but instead controlling the flow of the game by passing the ball around the team.
The drill had a lot of running to it which was good, something that really helps with fitness and stamina! The first drill we did was very simple with players forming a circle, one defender in the middle trying to get the ball. I did this just to warm everybody up.
The second drill was more of a “game changer” where we set up a big boundary to contain 11 players (like if it was a game). The drill was simple; pass it around. I set up a few defenders just to put some pressure on the players. The idea of the drill was just to maintain the ball within the team, without losing it and without playing that attacking ball (until I said so). On paper and in action this is a great and beneficial drill. Participation in the drill can be a bit dull and boring, but from the sidelines the improvement of maintaining the ball and not stressing was great!
We later moved a similar drill but with 7-7 and the defender being passive, just to really work on the keeping the ball as a team and not attacking all the time. It looked really good! We finished off with a game!
– To become a good team and to become a good player you need to know how to control your own stress and to control the pace of the game and the pace of your own ability. Know when to pass that cross ball and knowing when to pass it back to a defender to restart the game and try and find a new opening. The players for AoF always impress me with skill, dedication, motivation and improvement. Every single session so far has been a small glimpse of improvement, and with more repetition and hard work, you will become the player that you have set yourself to become!


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Spending Valentine’s Day in the Pacific Northwest? Here are 5 romantic spots in Seattle to enjoy the beauties of the city, the great outdoors, and a whole lot of love.
Lower Queen Anne is a wonderful neighborhood, full of museums and city sights to take delight in. You can enjoy concerts, art fairs, and presentations at the Seattle Center, one of the city’s most popular gathering places. Right next door is the Chihuly Garden and Glass, where you’ll be mesmerized by Dale Chihuly’s avant-garde, glass-blown art installation. Obviously, you’ll want to spend some time at the Space Needle Observation Deck since it has the most iconic view of the Pacific Northwest.
Once you’re done with those must-see destinations, walk toward the Olympic Sculpture Park by the water, and enjoy 9-acres of beautiful sculptures and great works of art for free.
Give yourself plenty of time to walk through this beautiful botanical garden and conservatory in Capitol Hill. You can expect to see lush greens and a breathtaking Victorian-style greenhouse made up of 3,426 glass panes (an iconic spot for engagement photos).
On the night of Valentine’s Day, there’ll be live performances, light hors d’oeurvre and drinks, and twinkling lights for the perfect celebration of nature, music, and love.
If you want more private and intimate time, head a few blocks away from downtown to Kerry Park. You can pack some food, wine, and a blanket to have a picnic with a scenic view — almost as good as the one from the Observation Deck. Be a romantic, and even time your visit just right so you can catch the sunset.
Be a tourist, and immerse yourself in the sounds, smells, and sights of the Market. Watch the guys throw the fish, get some yogurt at Ellenos, and work your way through the mazes of the Pike Place Market. You’ll find something new each time, from its many bookshops and record stores to antiques and gift shops.
If you haven’t had enough sweets at the Market, then head to Fran’s Chocolates, a neighborhood institution, and enjoy a case of handmade truffles and a perfect cup of hot chocolate. If you’re too full, then walk over and take a ride on the Seattle Great Wheel. The ride takes you forty feet above ground, so you’ll get to see gorgeous views of downtown, Elliott Bay, Bainbridge Island, and more. Night or day, it’ll be worth the ride.
End the night with a delectable dinner at Seattle’s finest restaurants. The Pink Door is located in Pike Place Market and offers a moody atmosphere, amazing Italian-American dishes, and nightly entertainment. Expect both dinner and a show at this popular spot.
Chef Thierry Rautureau takes you on a culinary adventure at Loulay Kitchen & Bar. There’s high-energy bar seating, a delicious French-fusion dinner menu, and undeniable desserts. (Beignets! Profiteroles!) Dress nicely and head to Canlis for a four-course dinner or a seven-course tasting menu with an optional wine pairing. The lounge is walk-in only, so get there early to indulge in this treat.
The Pacific Northwest is the perfect place to call home, especially because Seattle has so many dining options, cultural institutions, and exciting opportunities. Call this city home at Common’s studios in Seattle, located right by these romantic spots.
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Pick and choose from these 5 romantic spots in New York City to treat your loved ones at this Valentine's Day.


text: In the suburb of Cabramatta West, located South-West of Sydney CBD, Onroad Driving School provides high quality and Safe Driving lessons with the best driving instructors available. Onroad Driving School prides itself in delivering exceptional customer service and quality driving lessons. Learn Driving in Cabramatta West with Sydney's Best Driving Instructors.

industry_corpus2: Subject Education


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3 bedrooms villa is located in a very quiet area in Canggu.
The house is built in modern style and using good quality of wooden products.
The path while entering the villa is bordered by the tropical plants, while you will find at the entrance of the house, the staff room that can serve as well as a stock room.
The living area along with the kitchen is spacious and well equipped.
Two of three bedrooms are located in the main part of the house while another one is located separately as a mini studio that comes with a private terrace and small kitchen corner.
The swimming pool is located right next to the main part of the house.
To the beach around 10 drive, this villa is perfect for your holidays or long-term rental investment in Bali.
Price Leasehold in € 195.000.


text: The Land is green, so also is this juice. #GreenBoost | Life is short,have fun!!!