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How would your life change if you could close every closable sale and literally multiply your business by 10?
It's based on the unique, custom-designed sales process that launched Dennis Postema from a struggling agent with embarrassing debt to a $.5 million producer in just 6 months after opening his independent practice!
The proven, agent-tested 7-Step Sales Process cotains all of the obvious and not-so-obvious best practices of a winning sales process and can be your key to consistently earning 6—or even 7—figures!
It includes everything you need to successfully transform how you conduct sales, regardless if you are a brand new agent or have years of field experience under your belt.
Generate more leads from your workshops and turn attendees into lifelong clients!
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This multi-module, on-demand training program is designed to provide you with the guidance you need to ensure your event is a success!
What if you could start conversations naturally with prospects—no pitching, no persuading, no begging, and no pushing?
What if you could set better appointments as well as close more and larger sales?
The How to Close 9 out of 10™ Advanced Fact Finding Training System will help you double or triple your appointments and sales in the next 90 days… guaranteed… using secrets from the industry's top advisors!
The Mortgage Insurance Tool Kit helps new and experienced agents get off to a quick start selling permanent cash value life insurance using proven, time-tested, cost-effective mortgage insurance marketing, lead generation, appointment-setting, and sales success strategies.
For over three decades it has helped agents easily transition from selling the traditional cheap mortgage term life insurance to permanent cash value life insurance.
You can consistently earn a 6-figure income once you get the Mortgage Insurance Tool Kit and learn the insider secrets!
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It has a proven record of helping agents and advisors earn $20,000, $50,000, and more per month!
Are you ready to revolutionize your practice and ignite your success?
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It's time to skyrocket your practice to an entirely new level. One that gives you the freedom to chart your own course and live life on YOUR terms!


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Happy Birthday to Alberta Health ServicesThursday, April 2, 2009
Since yesterday, April 1, 2009, Capital Health (which together with the University of Alberta was responsible for my recruitment to Edmonton in September 2007) has officially ceased to exist. It has been officially replaced by Alberta Health Services, a mammoth organisation of over 90,000 employees created through the amalgamation of the former 12 Alberta health regions.
While the transition phase, which began in Summer last year, has had its challenges, I also see tremendous opportunities for improving obesity care across the province. Currently, secondary and tertiary bariatric services, delivered in a comprehensive interdisciplinary program (WeightWise), ranging from community-based behavioural interventions (for kids and adults) to cutting-edge bariatric surgery, are only available in Edmonton (rudimentary programs exist in Calgary, Red Deer, Medicine Hat and Fort McMurray). This is nowhere close to meeting the massive and ever-increasing demand for obesity care that is urgently needed across the province.
Based on current statistics there are anywhere between 50 and 75,000 Albertans with a BMI over 40 (over 600,000 Albertans have a BMI>30). It is estimated that the annual cost of obesity to Alberta’s economy may be as high as $1.4 billion dollars – less than 1% of this sum goes to actually treating obesity – much of it is spent on managing the manifold complications of obesity such as diabetes, heart disease, joint replacements, reflux disease, etc.).
I sincerely hope that AHS will seize the timely and unique opportunity offered by the restructuring of the provincial health care system to develop a province-wide program that will provide timely and equitable access to evidence-based obesity treatments to all Albertans, thereby directly tackling one of the major root causes of most of the chronic diseases that account for the continuing increase in health care costs in the province.
As I wrote in my recent article in the Globe and Mail – not spending on obesity treatments is something no healthcare system can continue to afford.
Alberta, as every province in Canada, urgently needs to deliver and expand preventive and therapeutic services for obesity within a chronic disease management paradigm.
Reorganization of health care in Alberta provides a unique opportunity to rethink the priorities and address some of the root causes of the rising cost of health care, which now eats up (no pun intended) almost 40% of the entire provincial budget.
I look forward to working closely with the new AHS leadership to provide equitable, timely and cost-effective obesity prevention and treatments to all Albertans.

domain: medical


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artists & participants
Postcommodity: Time Holds All the Answers
September 18, 2021–January 23, 2022
Remai Modern is honoured to present Time Holds All the Answers, a new exhibition by Postcommodity, curated by Dr. Gerald McMaster. Comprised almost entirely of new work, this will be Postcommodity’s most significant museum presentation to date. An opening celebration, including a live performance by Postcommodity, will take place on Thursday, September 16. A conversation between the artists and curator will be hosted at the museum on Saturday, September 18, and will be accessible via a livestream on Zoom.
Postcommodity is an interdisciplinary arts collective, currently comprised of Cristóbal Martínez and Kade L. Twist. They create works of art through a shared Indigenous lens and voice, examining aspects of 21st-century life to inspire a uniquely Indigenous vision of the future. Using provocation as a tool, they spark constructive conversations that challenge the social, political and economic processes that destabilize communities and geographies.
Time Holds All the Answers takes on subjects including environmental crises, Indigenous sovereignty and land stewardship, the forces of capitalism, and the mythologies of modern art and architecture. In sharing their work in Treaty 6 Territory and the Homeland of the Métis, Postcommodity recognize how Indigenous people, stories and art forms have long travelled between the south and the north, since time immemorial.
Postcommodity use hacking as a creative strategy, taking existing objects and systems and breaking them apart to modify their original purpose. Through hacking, Postcommodity approach sites of conflict as places of curiosity, where multiple realities exist in tension. Something can be at once harmful and healing, terrifying and beautiful, inside and beyond.
The artists consider the entire museum as a site where their concept of “re-imagined ceremony” takes shape. Ceremony is usually associated with religious or spiritual rituals and gatherings that celebrate particular events. In Postcommodity’s approach, the museum becomes an immersive environment, with careful attention to where and how artworks are encountered and moved through. Visitors are welcomed into a space of exchange, where meaning can be created together from a place of shared respect and responsibility. This re-imagined ceremonial ground collapses time, unifying the past, present and future. Dialogues of co-existence emerge, where one worldview is not privileged at the expense of another.
Time Holds All the Answers opens September 18, 2021, and will be on view through January 23, 2022. The exhibition will be accompanied by a comprehensive monograph, published later this year. Designed by Sébastien Aubin, it includes critical and poetic texts by McMaster, Roberto Bedoya, Bill Kelley Jr., Elise Y. Chagas, Floyd Favel and Postcommodity.
Dr. Gerald McMaster is a leading voice internationally, with over 30 years of experience in contemporary art, critical theory, museology and Indigenous aesthetics. McMaster serves as Adjunct Curator for Remai Modern, and is Director of the Wapatah Centre for Indigenous Visual Knowledge at OCAD University. Wapatah is a hub for facilitating the documentation, communication and interpretation of Indigenous ways of seeing. Drawing on the inseparable concepts of perception and knowing, Wapatah assists Indigenous and non-Indigenous artists and researchers to collaborate on the engagement with and representation of artistic knowledge. The Wapatah team has worked closely with Remai Modern on all aspects of Time Holds All the Answers.

domain: artistic


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What is CT Urography?
Urography is an examination used to evaluate the kidneys, ureters and bladder. Excretory urography, also known as intravenous pyelogram, is performed using conventional x-ray after the intravenous administration of radiographic contrast material. This technique is still performed for pediatric patients and for younger adult patients. Computed tomography (CT) urography and magnetic resonance (MR) urography use CT and MR images, respectively, after intravenous contrast material to obtain images of the urinary tract. CT urography (CTU) and MR urography (MRU) are used as primary imaging techniques to evaluate patients with blood in the urine (hematuria), follow patients with prior history of cancers of the urinary collecting system and to identify abnormalities in patients with recurrent urinary tract infections. In addition to imaging the urinary tract, CT and MR urography can provide valuable information about other abdominal and pelvic structures and diseases that affect them.
Preparation for CT Urography
- No special preparation required
Advance Diagnostic Centre (A unit of Imaging Associates)
Hargobind Enclave - Delhi, NEW DELHI
Advance Diagnostic Centre in Delhi is situated in one of the largest neighbourhoods in Delhi, Advance Diagnostic Centre in Karkardooma is a part of the integrated network of pathology labs. This venture embarked on its journey with a longstanding commitment and a vision to make a wide range of specialized testing services available to the common man. In the sector, this centre has been consistent towards its commitment to excellence and innovation in whatever they do. The centre is well equipped with the latest in technological advancements and automation and adhere to the various stringent internal and external quality control mechanisms. This centre is at 67 on the . Undoubtedly it is one of the best pathology labs in Karkardooma, Delhi.\r\nServices offered at Advance Diagnostic Centre\r\nPrimarily, Advance Diagnostic Centre in Karkardooma is a collection centre where its core service is to collect samples from patients for a battery of tests. This centre collects blood, urine, stool and other body fluid samples of patients. The pathology testing services covers six disciplines, namely Clinical Chemistry, Clinical Microbiology, Cytogenetics, Haematology, Molecular Diagnostics and Surgical Pathology. Be it for routine screening procedures or for more specialised or advanced assays, choose from a plethora of diagnostic tests. Walk into this clinic from 08:00 - 22:00 from Monday to Sunday. To schedule an appointment, click on the 'Book Online' tab.


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In Portsmouth, ACA primer fails to draw much interestBy GRETYL MACALASTER
Union Leader Correspondent
December 10. 2013 1:07AM
PORTSMOUTH — Certified health insurance marketplace navigators with Families First were at the public library on Monday evening to help people with understanding the Affordable Care Act and enrolling in plans, but few people took advantage of the opportunity.
Only about seven people came through during the hour and a half long session, which marketplace navigator Marcy Curtis said was actually a good turnout.
Overall, interest has been low in the sessions, no matter how much outreach they do, Curtis said.
Another session will be held at the Portsmouth Public Library on Monday, Dec. 16, from 5 p.m. to 6:30 p.m. ahead of the Dec. 23 deadline to enroll in order to receive benefits starting Jan. 1.
Curtis said people now without health insurance do not seem concerned about having insurance on Jan. 1, and may be waiting until closer to the enrollment period deadline of March 31, or risk paying a penalty.
Curtis started in her position in October after Families First and other agencies around the state and nation received grant funding for such positions.
“It is a huge new law so people need to understand what the law is and people who haven’t had insurance before need to know how that works,” Curtis said.
Her position is mobile, so she is able to meet people out in the community and provide outreach and education forums like the one at the library, while other navigators are focused on in-house applications with current Families First clients, and another focuses more specifically on helping people with applications.
Last Wednesday, Curtis held a longer forum, which included a presentation about the Affordable Care Act, and two people attended, one of whom included a local newspaper reporter.
Curtis said most questions she receives pertain to the actual insurance plans being offered by Anthem, the only insurance carrier available through the New Hampshire Health Insurance Exchange and how to choose one.
She said many people also do not understand how the subsidies work and are afraid they will not be able to afford the insurance, but Curtis said the list of exemptions is long.
“Some people who still won’t be able to afford the marketplace are going to be exempt from the marketplace,” Curtis said.
About half of the 30 or so people who have come through all of the Seacoast ACA forums offered through Families First so far have previously attempted to navigate the website themselves, and the other half have stayed away from it because they heard so much about log on problems.
The initial frustration with the website has gone away, she said, and she was able to go through it seamlessly last week for the first time.
Curtis said there are navigators across the state available to help residents understand and take advantage of the new health care law.
Information about educational and enrollment assistance for the New Hampshire Health Insurance Marketplace in different areas of the state is available through the Bi-State Primary Care Association website, www.bistatepca.org under “NH Outreach-Enrollment.”

domain: politics


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Acoustic guitarist with a flair for Flamenco, Matthew Mills.
Matthew Mills is an instrumental acoustic guitarist from Northern Virginia. Matthew combines contemporary acoustic music with the influence of Flamenco guitar in every piece. Performing for over a decade in the Washington, D.C. area he has played at many festivals and venues including the National Zoo and churches through out Virginia.
Feb 26, 2017
1:00 pm - 4:00 pm


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- Contact :
- Jude Addenbrooke
- Location :
- Waikato NZ
- Email :
- Send Email
- Web :
Yolanda has had a beautiful litter of pups, with a few boys still available to approved homes.
These pups are bred for hunting, companionship and versatility, and both sire and dam have excellent temperament, natural ability, health and conformation. Both parents hip & elbow scored.
These pups are in my living room, and are raised using ENS up to 3 weeks and age-appropriate socialisation from then on, and are weaned on raw food. They will all be Dogs NZ registered, microchipped, and had their first vaccination. They will be ready for their new homes in late July.
Please contact me for more information. A brief bio about yourself and the home you can offer is appreciated.

domain: pet


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Coaster Set: Terracotta Warriors
Set of six foam-backed coasters with terracotta warrior themed decoration. Each coaster features a different image of Terracotta Army members.
Dimensions (l x b x h)
9mm x 9mm x 3mm each
Acrylic with metal insert, foam backing
Black and white.
Embossed black giftbox


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A Lofi, chillwave downtempo sample pack
Over 600mb of unpacked Lo-fi sample content.
This downtempo is packed to the brim with nostalgic lo-fi goodness.
A combination of raw and retro sounding aesthetic with deep and emotive musicality and music loops which are soaked in tape saturation, soulful character and vibe.
This sample pack is packed with cassette-crunched melodics, mutated bass-lines, foley infused drum patterns and percussion, organic dusty textures, grainy FX and One Shots,
If you're looking for something to inspire or just slot into your current projects this lo-fi sample pack is ideal for your next left field, lo-fi ambient, chillwave, synthwave and cinematic track.
Sample Pack Contents
Over 140 individual WAV samples including:
- 25 Basslines
- 30 Mutated drum loops
- 10 FX textures
- 20 Melodic loops
- 30 Percussion loops
- 20 Synth pads
- 10 Snare/Clap/Rim one-shots
- 10 Kick one-shots
- 10 Percussion one shots
WIth an emphasis on quality this pack is recorded at 48khz/24 bit and is compatible with all major software samples such as Kontakt, Battery and DAW samplers as well as many mainstream hardware samples such as the modern Akai MPC and Elektron Octatrack


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If you are interested in replacing your dentures with a long-lasting, permanent dental prosthetic, All-On-4 hybrid dentures may be right for you.
These unique dental prosthetics combine the power of dental implants with custom-built permanent dentures, allowing you to restore your smile if you’re missing one or both arches of your teeth.
At Polaris Dental Care, Dr. Khan is an experts in the placement of All-On-4 hybrid dentures. If you’re interested in this restorative treatment as a solution for missing teeth, here are a few things you should know before you set up a consultation:
How Do All-On-4 Hybrid Dentures Work?
All-On-4 uses proprietary dental implants to support permanently-fixed dentures, and restore your natural bite and smile. Each denture arch is attached to four dental implants, which are placed either in the upper or lower jaw.
After these implants have healed, a denture is made that is attached permanently to these titanium posts, restoring a full arch of teeth. The denture will not move or slip, and does not need to be taken out when you eat or sleep.
How Are All-On-4 Hybrid Dentures Placed?
All-On-4 dentures can be used to restore the lower arch, upper arch, or both arches of the jaw. Before the procedure can begin, any remaining teeth on the upper or lower arch must be extracted.
After this, one of our dentists will begin the procedure. To begin, four dental implants are placed in your gum line. These implants function as synthetic roots, providing a solid platform to which the dentures can be attached. The surgery typically takes around 2.5 hours for each arch, and it usually takes around 4-6 months for these implants to fully heal.
During this time, we’ll create a set of dentures based on impressions and images taken of your mouth. After your implants have healed, your All-On-4 hybrid dentures will be attached, and the procedure is complete.
Your dentures do not have to be removed. You must simply wear a night guard, follow the oral care regimen given to you by your dentist, and come back every 3-4 months for a denture cleaning and oral exam.
Interested In All-On-4 Hybrid Dentures? Schedule A Consultation Now!
Hybrid, implant-supported dentures are not right for everyone. They are an investment and are only appropriate for patients who are not currently experiencing oral health issues, like periodontal disease or jaw deterioration.
But if you have a healthy mouth, and want a more convenient, comfortable alternative to your current dentures, treatment with All-On-4 hybrid dentures may be right for you. Contact us today to schedule an appointment. Our knowledgeable, skilled dentists will help you understand all of your options to restore your smile!
Columbus: (614) 505-7027 | 2023 Polaris Pkwy, Columbus, OH 43240
Grandview: (614) 461-3150 | 887 W 3rd Ave, Grandview, OH 43212
London: (937) 568-3302 | 8490 E National Rd, South Vienna, OH 45369
What our patient says
"Very courteous, very friendly especially the receptionist. Dr.Khan explained the procedure very well and everything turned out as expected. It has been years since I last was seen by a dentist however now that I have an office that I like I will be a good patient and follow my care as required."


State road repairs headed for Will County
By Bob Okon email@example.com March 26, 2013 8:34PM
Updated: April 28, 2013 7:08AM
It will be a busy road construction season in Joliet and other parts of Will County thanks to the state of Illinois.
Gov. Pat Quinn this week announced $486 million in state spending on nearly 200 road and bridge projects statewide starting in the coming weeks.
Ten of those projects costing just under $24.6 million, or 5 percent of the total, will be in Will County.
Five of the Will County projects are in Joliet. The state will spend nearly $3.8 million in Joliet, fixing up state routes that double as major thoroughfares in the city.
The biggest job in Joliet will be a $1.7 million resurfacing of Jefferson Street from Joyce Road to Raynor Avenue.
“That’s good. It’s in rough shape,” Joliet Public Works Director James Trizna said.
The Jefferson Street project had already been in the state’s multi-year plan, Trizna said. But, “We urged them to push it up. It’s nice of them to do it. It really needs it.”
The state also will resurface sections of four streets that double as state routes in the older downtown and East Side of the city: Cass, Scott, Ottawa and Richards streets.
The state spending injects money into Joliet streets at a time when the city has had to cut back because of budget constraints. There was a time, Trizna said, when Joliet would fund resurfacing work on some state routes to move them faster along.
But that ended years ago.
The biggest projects are in other parts of the county. They include:
$8.9 million for resurfacing of Illinois 394 through Crete, Steger and Sauk Village.
$6.2 million in repairs and other work on the Interstate 55 bridges over the Des Plaines River in Channahon.
$2.4 million in resurfacing and other work on Illinois 53 from Renwick Road to Belmont Boulevard in the Romeoville and Lockport area.
$2.4 million for resurfacing of Manhattan-Monee Road in Manhattan and Green Garden townships.
I-55 motorists will face delays through most of the summer into the fall because of the repairs of the bridges in both directions over the Des Plaines River. Work will be done on one bridge at a time. But lanes will be reduced from two to one as the work stretches from mid-June to late November. The work includes repairs of steel trusses and concrete substructure, new asphalt, and even a paint job.
Likewise, motorists on Illinois 53 will deal with daytime lane closures as the road gets patched and resurfaced along a 3.5-mile stretch. The work starts in June and runs through the end of September.


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Last IPO: Engro Powergen Qadirpur Limited: September 22 to 24, 2014
KSE-100 Index gained 84.74 points to close at 30025.13, 196 stocks closed up 168 closed down while 22 stocks remained unchanged. Volume Leader Pak electron (R) Limited closed at Rs 7.77 up 0.63 paisa.
LSE-25 Index gained 3.71 points to close at 5293.16, 26 stocks closed up 19 closed down while 5 stocks remained unchanged. Volume Leader Garibwal Cement Limited closed at Rs 16.10 remains flat.

domain: economics


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Author: David Dupre (---.sea.siemens.com)
Date: 03-22-07 12:41
I just got back from Culebra and I had a great time snorkling and being a beach bum. While I was there, the law banning smoking in public places (even open-air bars) went into effect. While I’m not a smoker, it seems a little kooky in light of all the other things it ignores. The thing that struck me the most was over-fishing of the reefs.
Of all the snorkeling I did on Culebra, I found the barrier reefs at Flamenco Beach the most interesting. The caves and swim-throughs in the coral at the beginning of the deeper water were awesome and I've never seen a wall of coral 70 feet high before. However, most areas of Flamenco Bay were practically devoid of reef life. The only exception to that is at the wave breaks. While I understand that most people don't like to snorkle 1/4 mile from shore near the edge of deep water with 5 foot waves crashing overhead and strong undertow, I found the reef at the wave breaks to be the most amazing on the island. While snorkling among the shallower soft-corals and turtle grass just inside of the barrier reef walls, I had the pleasure of seeing a 6 ft. nurse shark, 2 green turtles, 1 hawksbill turtle, a 50 lb. Jack, Spotted Eagle Rays, several barracudas, one lobster that wanted to fight, the largest stingray I've ever seen, and the type of reef fish I have come to expect from a healthy reef. It later occurred to me that this area was too shallow to scuba dive and who in their right mind would snorkel spear-fish here!
On the other hand, the coral walls and most other reef areas had very little life other than small blue tangs and small yellow-tail snapper. I saw a few Grouper and one large Snapper (yellow-tail only) in the Marine Sanctuary at Carlos Rosario but I saw none anywhere else. I saw no flounder anywhere and only one lone cuttlefish (I have only seen them in groups of 3 before).
I am an avid fisherman but I also feel that Culebra needs to declare a moratorium on its reef fishing/spearfishing in Flamenco, Carlos Rosario, Culebrita, Soldier’s Point, Dakity and other notable areas. In my opinion, Culebra’s reefs are its greatest asset and it should treat them as such. Culebra should take an active role in protecting its reefs and enforcing this protection. While I was on the Island, I observed a man cleaning small reef fish (blue tangs) at the campground, someone with a speared lobster, and a Sport-fishing boat catching fish in the Marine Sanctuary at Carlos Rosario. It appears that nothing is enforced by the DNR…
I am ashamed to admit that I brought my speargun with me ( I didn't use it).

domain: hobby


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Main Stand Season Ticket holders have until 10am on Monday morning to secure their seats for our Papa John’s Trophy games against Fleetwood Town and Leicester City Under-21s.
Mark Cooper’s men drew 1-1 at Accrington Stanley in their opening fixture in the competition and will now host Fleetwood on Tuesday 5th October and Leicester on Tuesday 9th November.
Season Ticket holders can head online now to buy their tickets and secure their same seats for both games before they are released on general sale on Monday morning.
Adults - £10
Concessions - £5
Meanwhile, fans are advised that you can now also buy tickets online for all League Two games until the end of December.

domain: news


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William Gates, with a little gray in his beard these days, is now 41 and a father of four. Yet he's still remembered for who he was in high school.
He sits in the second-to-last row of the bleachers at Clemens High School at a recent game, describing how crowds in Chicago were more than 10 times bigger when he played.


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FAN REVIEWS HAS A NEW LOOK! http://www.fanreviews.tv
Check out the official trailer for Blood Ties starring Zoe Saldana, Clive Owen, Billy Crudup, Marion Cotillard, and Mila Kunis, right now on Fan Reviews.
Blood Ties Release Date: 2014
Blood Ties is a 2013 thriller film by French director Guillaume Canet. It is a remake of 2008 French thriller Les liens du sang by Jacques Maillot, adaptation of the French novel of the same name by Bruno and Michel Papet. It stars Clive Owen, Billy Crudup, Marion Cotillard, Mila Kunis, and Matthias Schoenaerts. It has been selected to be screened Out of Competition at the 2013 Cannes Film Festival.


The number of coronavirus cases has risen from 4546 on Sunday to 4793. The Western Cape has the most cases with 1737, followed by Gauteng with 1353 cases. A statement released by the Department of Health reveals that the Northern Cape and Mpumalanga have the least number of cases with 17 and 26 cases, respectively.
So far, there 178 470 tests have been conducted, 9 827 of which were conducted in the last 24 hours.
The Department of Health also confirmed the death of three more people, two from the Western Cape and one from KwaZulu-Natal. The total number of deaths stands at 90.
“The cases were: a 79-year-old male who presented with shortness of breath and chest pain. His comorbidities included diabetes, hypertension, chronic kidney disease and cardiac disease (WC). A 58-year-old male who presented with imminent cardiovascular arrest. He was a person living with HIV and had obesity (WC). A 54-year-old male who presented with respiratory distress. He had underlying diabetes.”
The department has conveyed its condolences to the families of the deceased and has thanked healthcare workers who treated the deceased patients.
As at today the total number of confirmed #Covid_19 Cases is 4793 and total number of deaths is 90. pic.twitter.com/mPZYSl8NWo
— Dr Zweli Mkhize (@DrZweliMkhize) April 27, 2020
Meanwhile, officials from the department participated in a virtual ‘grand ward round’ with over 400 participants including provincial MECs, HODs, clinicians, epidemiological and infectious disease experts.
“We discussed some interesting cases and unusual presentations. As we continue to learn more about COVID-19, it is especially important to stay in touch with the frontline workers to better understand the inner workings of treating individual patients. It was a fascinating session that has certainly contributed immensely to the body of work that ensures increased medical precision.”
Below is an infographic with the latest COVID-19 statistics:


Long haul flights can leave us all feeling not our best.
Jet lag gets the best of us, our digestive systems are usually disrupted and we’re left bloated and puffy.
But now a cabin crew member has revealed how to combat puffiness when you’re on a long-haul flight.
A flight attendant has suggested that the best way to leave a long-haul flight without any puffiness is by making sure that you stay hydrated.
They also advised that keeping active and changing around your position, as well as trying to keep your temperature as cool as possible is a good idea.
‘Alternate your seat position between upright and reclined at different points throughout your flight to avoid fluid pooling under your eyes,’ the attendant explained to Cosmopolitan.
And to emulate a cooling and soothing eye mask, the source also suggested a nifty hack, adding: ‘You can also get rid of under-eye bags and puffiness by holding a wet napkin or ice cube under your eyes to help reduce any swelling.’
As for how to keep the rest of your body in good shape, the cabin crew member pointed out that movement is key.
‘Walk through the cabin during your flight or do circulatory exercises in your seat to get your blood flowing,’ they added. ‘This will relax your muscles and help you avoid any post-flight swollen ankle.’
The source also explained that what you eat and drink can contribute to your state after the flight, suggesting that the purer the better.
‘When you’re flying long-haul it’s vital to drink plenty of water, as the air circulation can dry out your skin,’ they said.
‘Fruit juices are better than caffeinated drinks or alcohol, especially as a plane hangover is more merciless than one on land’.


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Monday, March 22, 2010
Old Blue - update
I'm nearing completion on this piece. If I have enough time, I hope to finish it this week. I'm building more shading and completing little sections of peeling paint and dampness in the plywood on the base of the boat. Detail is what will make or break this piece I believe, as its such a tight crop. And, once I get into it, I adore detail work. Heaven knows what that says about me!
Once the stippling is complete I will likely reinforce the warm light of early morning as it lit the boat, with a pale wash of watercolour. The hours on this so far? I've not really been keeping count but I'd say probably 40, maybe more.


Hi group, I am really happy to join the community. I have a 2009 Rav4, 4WD 2.5L.
During the last 2 weeks, some sound appear (especially located at the rear) and when Driving 50mph+. Once it begin to have some vibration, it is impossible to stop it unless I park the car for some time.
2012 2.5 4WD Limited, 103,000km
When cold (5º C or below), a harsh vibration coming from the middle/rear of the car could be felt.
I dropped the propellor shaft and found the rear u-joint was catching slightly on one axis. It's wonderful of Toyota to have made the joint non-serviceable...
My car is rav4 2009 limited 4 cylinder. I was told that the driveshaft need to be replaced and it will cost me at least 1500+labour+tax :(
I am looking for a good used one in junkyards
I found a Toyota rav4 sport 6 cylinder for parts
I am asking if its driveshaft can be used for my rav4 2009...


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What is atkins Diet
Plenty of people are seeking the ideal diet regime. A diet that permits you to eat most of the yummy things you wish and yet however drop some weight. Why does there ought to be such a disparity among a great diet plan and a serious a person. The true kinds are all according to this restriction or that a single. No carbs, no fats or substantial calorie food items, all your beloved things is off limits. Rather you have got to stay to fruits, inexperienced leafy vegetables, high fiber things, and meals with small energy.
Here is a fast survey of some fast weightloss diet program so that you can familiarize oneself with them.
The Cabbage Soup food plan is famous. This diet plan incorporates a few variation but at its foundation is you eat cabbage soup whenever you are hungry and it'll fill you up so that you can stay on the diet. Although you happen to be undertaking the cabbage soup food plan such things as oils and fats are off boundaries. This diet program is simply the other aspect of a full rapidly; it really is a very low calorie eating plan and so that you can drop a great deal of pounds on it Lemonade Diet Recipe Gallon.
The Sonoma diet regime may be the generation of Dr. Connie Gutterson. It is high in antioxidant prosperous foodstuff, vegatables and fruits, blueberries, spinach, total grains. Heck you can even have a very minor pink wine with this a person. Additionally it is a really productive diet regime therefore you can eliminate loads of excess weight on it.
Slender Rapidly given that the heart bit of your eating plan also works. This also can become a balanced, nutritional eating plan which arrives total with calcium and protein. On this diet plan you eat Slender Quick 6 periods on a daily basis so you reach incorporate in fruit, yogurt, cottage cheese, fresh greens, meat, and nuts. This diet program is one which by using a minor treatment it is possible to appreciate becoming on; it even functions for youngsters.
Future could be the adverse calorie diet plan, really it truly is a lot more similar to a diet plan helper. On this food plan you eat foodstuff that have fewer energy when compared to the variety of energy it will require to digest them. These are typically higher fiber things, food items with reduced unwanted fat, fruit and veggies. Roughage is really a large component of the unfavorable calorie diet plan. You can not support but drop some weight simply because it's going to take a lot more calories to digest than you're taking in by ingesting it.
Most of these diets do the job but regretably they aren't weight loss plans that you can stay with. Your whole body will be in entire rebellion if try to persist with any of such way too extended, then your bodyweight may possibly sling shot back again the other way.
Read Also: What is Plexus Diet

domain: health


text:
Dark Waters (The Expedition Trilogy, Book 1): Dark Waters 1: True Story of the First Human-Powered Circumnavigation of the Earth - The Expedition 3 (Paperback)Jason Lewis (author)
- We can order this from the publisher
Publisher: BillyFish Books LLC
Number of pages: 246
Weight: 317 g
Dimensions: 216 x 140 x 14 mm
You may also be interested in...
Would you like to proceed to the App store to download the Waterstones App?

domain: literature


Passport Adalat at Srinagar on Aug 16, 17, 18: RPO
Srinagar, Aug 08, KDC: Regional Passport Officer Srinagar has informed applicants that it is organizing a passport adalat at the premises of RPO Srinagar.
In a statement to news agency Kashmir Dot Com Passport office said “Attention is invited for the passport applicants who have submitted their applications till 31.12.2022 and are still pending. A Passport Adalat is being organized by Passport Office Srinagar under its jurisdiction on 16, 17 and 18 August, 2023 at the premises of RPO Srinagar.”
The statement said applicants are requested to attend in person and represent their cases on the said dates between 10.00 AM to 4.00 PM. While visiting the Passport Office Srinagar, applicants have to carry all the relevant documents in original. Applicants failing to do so are liable for their applications being closed, the statement added. (KDC)


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Slow-roasted, deeply caramelized vegetables star in this dish.
In this simple Provençal style dish, humble vegetables slow roast and melt into a magical melange. Tomatoes soften and slump. Onions crisp up and caramelize. Thinly sliced vegetables with a reputation for blandness (I’m talking to you, zucchini and eggplant!) soak up a luscious, garlicky herb-flecked olive oil that’s been mingling with juices from the aforementioned slumpy tomatoes. Most often, roasted vegetable dishes highlight a single veg—Brussels sprouts, cauliflower, and broccoli come to mind. Here, the marriage of many creates a sum delectably greater than its parts.Continue reading “PROVENÇAL VEGETABLE TIAN”

domain: food


The Elephant on Life Support…the future of the Republican Party
Take a hike…Global Warming goes walking
Shop your values…thanks to George Bush shopping is politics
All this and more, Sunday @ 11am on Political Chowder
Political Chowder with host Arnie Arnesen is New Hampshire 's newest political television show. Tune in Sunday, July 29th, from 11 to Noon EST on MyTV (WZMY-TV – Comcast 18 or Comcast 6 and Dish and DirecTV ). Political Chowder re-airs during the week on 45 public access stations, serving over 90 cities and towns across NH. Check local listings for times and dates.
Part one: What now Republican Party?
Neil Levesque - Republican Political Analyst
Donna Sytek - Former Speaker of the NH House
Chris Stewart – blogger www.GreenMountainPolitics1.com
Part two: College kids bring passion to Climate Change
Part three: Shop your values
Zach Bouchard – www.greenshopper.com
Charlie Burke – www.nhfarmtorestaurant.org
Go to www.politicalchowder.com at noon on Sunday for podcasts and google video of the program (archive materials available).


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The oldest and most prestigious aeronautical race in the world started from Easter Compton, north of Bristol, England, on the evening of 25th September 2010
Patron: HRH The Duke of Edinburgh KG KT
Patron: Sir Richard Branson
20 teams from 11 countries around the world competed in the 54th Coupe Aéronautique Gordon Bennett. Taking off at dusk from the site near Bristol, the team which flew the furthest distance from the start point won the race.
Why Great Britain?
The inaugural race took place in Paris in 1906. Since then no Briton had won, until, in 2008, David Hempleman-Adams and Jon Mason flew 1,767kms in just over 74 hours, flying from Albuquerque in New Mexico to the shores of Lake Michigan north of Chicago. They won the 52nd Coupe Aéronautique Gordon Bennett and with it the honour of hosting the race in their home nation.
The race came to Great Britain with pride and high-esteem, but without finance. We offered everyone the opportunity to be a part of the Gordon Bennett 2010 by following the race live on-line.
Do browse the website to learn about the race, the challenges, the history and the participants in this formidable adventure.
The 2009 Gordon Bennett was held in Geneva. Full details of the race, which was transmitted live, can be found here
The 2011 Coupe will be held in Gap-Tallarde, France, and the 2012 Coupe in Switzerland.


International Power to reshuffle debt
International Power, the spun-off overseas arm of the former National Power, is to reschedule part of its £1bn debt exposure by issuing up to $420m (£290m) of senior convertible notes transferable into shares in 2005.
The company said last month's demerger has cost it £25m while it is taking a £25m hit on a reassessment of the book values of its investments in China. US chief executive James Moore has quit with an unspecified pay-off.
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If any theme runs through all my work, it is what Adrienne Rich once called "re-vision," i.e., the re-perceiving of experience, not because our experience is complex or subtle or hard to understand (though it is sometimes all three) but because so much of what's presented to us as "the real world" or "the way it is" is so obviously untrue that a great deal of social energy must be mobilized to hide that gross and ghastly fact.
-- JOANNA RUSS, TO WRITE LIKE A WOMAN ( XV)
Where in the world am I? What in the world is going on? What am I going to do? These are questions common to science fiction (sf) whenever and wherever one locates it historically or geographically. Especially in the Anglo-American tradition, narratives of alienation and discovery have characterized sf from the early moments of its emergence from the sea of fantastic writing.
In Frankenstein in 1818, Mary Shelley's scientist strives to find a place for himself and his heterodox approach to medieval and modern science in the brave new world of utilitarian, capitalist Britain; and even more so her newborn creature awakes in an alien and alienated society that holds no place for such a radically new human. Both characters ironically and negatively echo the amazement of Shakespeare's Miranda as she stands on the cusp of modernity, colonialism, rationality, and the rest of the economic-cultural package that has led to this particular historical moment at the beginning of the third millennium. In The Time Machine in 1895, H. G. Wells's Time Traveller struggles to ground his vision and find his way, and by metaphoric extension the way of humanity, in a nasty future in which his own present, Wells's empirical moment and the Time Traveller's "Britain," is the terrifying past. In the United States in the early 1960s, Michael Valentine Smith in Robert Heinlein's novel finds himself to be eponymously the stranger in a strange land, the consumer paradise of postwar America. In the par-


text: Sydney’s CBD and all its buildings are iconic. The skyline with the bridge and opera house are very recognizable and ridiculously photogenic. You can get some amazing photos from the ferry to Manly, but my favorite spot was the park on the other side of the harbour bridge. In Milsons Point lies the Bradfield park, where you can also find the Luna park. Time your visit in the golden hour and get a beautifully lit CBD on your photos. I loved the ferries on the water, the people walking through the park, the joggers and that skyline that never bores you.

domain: geography


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Why do clients find it difficult to choose between design groups? Or, put another way, why do designers all look so similar? The answer lies in your observation that “too few have a proposition to offer clients” (DW 12 June).
And it’s not only clients who inevitably lapse into arbitrary choices dependent on personal whim. How do talented designers decide where to work? Just look at the advertising at the back of this magazine. What is there, really, to distinguish one job ad from another?
It all starts with the individual. This is that time of year when every degree finalist sets out to show that 20-odd years of careful nurturing have produced a brain capable of having ideas. Landing a good job only marks the beginning of the curve. Now, they have to start matching creative inspiration with commercial realities.
We’ve recently been scouting for a middleweight designer and how distressing it has been to encounter so much disillusionment out there. It’s equally distressing to find so many of the industry’s foot soldiers incapable of doing things differently, trained instead to produce inoffensive, but predictable designs.
So how do you choose between designers? Give them some paper and a pencil and ask them to inspire you. Consider whether their idea could be sold by phone as convincingly as with Mac generated props. Ask yourself whether they are capable of seeing all the way around a problem, not just from one narrow perspective. That’s insight, but how many have really got it? How “rounded” are their personalities? Do they involve you in their thinking, or try to impose it?
And, to choose between design groups, simply look to see what kind of people they wheel out and whether they pass these tests. Our people are our proposition, so isn’t that the place to start?


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COVID-19 Stimulus information: learn how to maximize your utilization of the CARES Act and its various options for COVID-19 Stimulus.
This information was current as of 4/22/2020 – and part of our COVID-19 Stimulus Series.
On this webinar we review updates on the various government stimulus programs. We will go over:
– PPP/Payroll Protection
– Payroll Tax Credit
– Information for self-employed/independent contractors/gig workers
Okay. Hopefully everyone can see the slides. Might see a little bit of my head, it’s okay. All right. And I’ll try to keep an eye on the chat if anybody’s got questions. So, I’m going to get started. So, thank you for joining. This is The update. I know not a lot of time has passed since the original but here we are. a lot has changed in two weeks. It’s been a long two weeks. So, here’s what we’re going to talk about. We’re going to do a little recap, changing tax deadlines again, updates on individual rebates, unemployment, PPP with the loan forgiveness and EIDL. And the new thing I really want to talk about is the employee retention credit. So, you’ve heard of news, This is OLDS. The OLDS on the tax deadline, nothing is new about this. They moved everything that was due April 15th to July 15. There were some weird hiccups in that including the second quarter estimated payment for 2020 which was still due in June. But other things like IRA contributions, HSA contributions, retirement plans, all that got pushed off into the future.
So here’s what’s new, actually somebody realized either in Treasury, I guess, maybe Congress, I’m assuming this was a Treasury decision that it made no sense to have the second quarter estimated payment due in June when the first was due in July so they went ahead and move that forward also. So now on July 15th are due your tax filings, if you don’t file an extension, and your first and your second quarter estimated payments. But for a lot of people they might not be making those payments because if your income has been dramatically affected you might not have anything estimated to pay in. So that’s the big change. Practically everything got pushed forward by a congressional and executive components to COVID-19 Stimulus.
There are a few weird deadlines here and there. Some states were not very cooperative. I know I have a bunch of technology startup clients in Massachusetts and Massachusetts moved their corporate filing deadline but if you didn’t pay their corporate excise tax by April 15 they were going to charge you interest. So, there is a screw you from Massachusetts. I guess that’s not so surprising. But most states did eventually conform just because it’s insanity but you’ve got to keep an eye on it if you’re in a taxable state. And if you are, you might want to consider moving to Florida where we don’t pay income tax.
The individual rebates, this is the $1,200 per person for taxpayers and their spouses is the best known COVID-19 Stimulus. These have actually been going out. I have had a lot of people tell me that they received it direct deposited into their bank. There are phase outs, you maybe don’t qualify depending on what your income is. And then if you haven’t gotten it yet but you think you should there’s a big where’s my money. So, I have heard of some problems. For example, some people have told me they got their $1,200 and I said, “Well, what about the $500 per kid?” They did not get that. No clear information but the bet conjecture on what I think is going to happen is that after they get some of these out or some portion of these $1,200 direct deposits out they’re going to go back and try to figure out dependents because it’s actually a little bit tricky. There’s an age restriction on the dependent. I have seen confirmation in fact that if you have a child age dependent who is 18 to 24 and they’re full-time you are not going to get money for them. And if they didn’t file on their own, which many college age dependents don’t, they’re not going to get $1,200 either. So, that’s a little bit of a screw job there.
Might it make sense to file a quick 2019 return? Maybe. It really depends on your individual tax situation. It’s not that easy to just say, “Oh yeah, have them file it.” Because if you’re the parents and you’re supplying their support and they really don’t have income you might be losing out on more than $1,200 if you would otherwise claim their tax credits and other things. So, it’s not that straightforward. It’s definitely a case by case individual decision, and one of the less popular parts of COVID-19 Stimulus. Just be aware that if you’ve got college aged kids this might happen to you.
There is a website that you can go to and check out your status. It is not the most easy to use form not because of the information you have to put in but the results that you get often are telling people that they can’t find you, it doesn’t know anything. I don’t know of anybody who’s used it who already got the stimulus if it tells you like, “Oh, you did get your stimulus.” I’m not sure. Yeah, it’s not perfect, not a perfect system. And the important part for me to explain is that it is not taxable and if you end up making a lot more money in 2020 because some people even when there’s a catastrophe going on still are in business and are still doing well it does not need to be paid back in 2021 when you file your 2020 taxes. So if your 2020 income is high it doesn’t matter. You’re not being taxed on this. I feel like we have to caveat everything like this is what we know right now. It’s not supposed to be taxed, according to the CARES Act that governs COVID-19 Stimulus.
All right, before I go into unemployment I’m going to hop in and see if there’s a couple of questions. “Which banks are still taking applications.” Helen, I will try to get to you on that when we get into that section. “What is the threshold income for stimulus checks?” Hold on. I will back that up. It is married filing joint. The phase out starts after $150,000 and after $198,000 you don’t qualify anymore. Single at $75,000 when you’re over $99,000 and you don’t qualify anymore. And in between it goes through a little math calculation to figure out how much they’re going to send you. “I heard if dependents didn’t get paid out properly it would include 2020 income tax return.” Yes. That is correct as far as I know. Whatever they’re not catching by, I think they have a deadline of they have to have these payments sent out by December 31st and if it didn’t happen then you can pick it up in 2020. I don’t know if that will include those college aged dependents. The media really has oversimplified their explanations of COVID-19 Stimulus.
I’m going to move on to unemployment. By the way, in case anyone doesn’t know this in Florida we call it reemployment for whatever reason. I guess it sounds better. This is the recap portion. You can apply for unemployment. Every state is different with their calculations. The thing that was really special is that the federal government is adding an additional $600 per week on to of whatever you qualify for from the state. And that is retroactive back to when you became unemployed. And it is tacking on a 13 week extension past what states cover. We would all like to think at 13 weeks we’re not in this situation but who knows.
So, some of the specific things that I’ve been getting a lot of questions on, I’ve had so many people come to me and say, “But I’m self-employed,” or, “I’m an independent contractor,” or, “I’m an Uber driver,” “I’m this, I’m that.” “I don’t qualify.” All those normal rules for unemployment are out the window. It is an unemployment free for all. So even if normally you have your own business, you’re on your own payroll, or you just file a schedule C or you’re a gig worker, or you just get a 1099, all of these things that normally you wouldn’t qualify you can go and file for unemployment. Even if you don’t qualify for the state portion you still are supposed to get the federal portion of it. So $600 a week is $600 a week especially if you’re not working. That’s fantastic.
Go try to get it. If you can’t get through the website, I know Florida’s website is a dinosaur. I mean, that thing has been a nightmare for years and years. It has not gotten better. They claim that they’re trying to update on the backend and make it work. I was actually able to log into it for the first time yesterday So that was exciting. But if you are not able to log into your state’s unemployment website most of them have paper forms. So, I know I filled in the paper form the day they released it in Florida, it was four pages long.
Then they went and revised that same form to being like 10 or 12 pages long. Filled it in again, sent it in. Yes, it’s a duplicate. Yes, it’s probably going to cause a delay but so would having the wrong form. Nothing is moving very quickly as we can all see. but they are working through it So if there’s progress it’s just not as fast as we would hope it would be. And yeah, the unemployment system has never seen anything like this before in terms of volume So it’s causing delays in every state.
All right. Now for the fun PPP, this is our recap here. Oh, hold on I got a question. “Self-employed, does reduction in hours, income qualify for unemployment?” It can. I don’t know the specifics. I know that because you can work part-time even and still be on unemployment. I don’t know what proof they need but I’m pretty sure at this point if you just go fill out the forms you’ll probably get something. So you might as well throw it in. All right PPP. This has been in the news. If you haven’t heard about it you’re maybe living under a rock. I’m not sure. But we’re going to say it’s for small businesses and that gets quoted because we’ve all heard the stories of Harvard and Shake Shack and Ruth Chris Steakhouse that are these enormous companies with way over 500 employees managing to get millions of dollars of this money. The loan is capped at 250% of your payroll and you have to go through SBA approved lenders so that’s banks, there’s some other lenders. I think even QuickBooks is able to do these now. Some payroll companies became SBA lenders. It’s the crazy world of COVID-19 Stimulus.
So, what makes PPP super special is that it’s forgivable which we have a concept of forgivable loans normally when we had the 2008 financial crisis people were getting foreclosed on left and right. If you had a mortgage and they forgave your mortgage normally it’s taxable income in the year that the bank files that form, that 1099 C or A and sometimes it would happen years later. What’s completely different about this loan forgiveness is that it’s not taxable ever. It basically turns into a grant more or less.
But there are some teeth on it. You have to use at least 75% for payroll costs. And not only that, within your payroll you have to maintain the level of payroll you are at. So, if you have a decrease in your head count that can reduce the amount that’s forgiven. If you reduce your salaries maybe you say, “Okay I can bring people back with this loan but I can’t bring everyone back and I can’t bring them all back at the same rate.” Well, that can also reduce the amount that’s forgiven. And you have to have people back in place by June 30th So if you were like, “Well, let me see when we’re fully functional again,” And that’s not until July. You’re going to still have a problem where this loan won’t be forgiven.
Here is the new fun part, PPP for self-employed and independent contractors. So originally they were not accepting these PPP loans for anyone who is self-employed or an independent contractor. How do we know if we’re self-employed? In the terms of the PPP they’re using a very tax focused description. So like working for yourself, if your self files a schedule C on your 1040 then you’re self-employed. If you’ve got your own S corporation you are not self-employed for this. You are a regular employer. You should be on payroll. I said this last time, I have said this a million times, if you run an S-corporation, if you are the owner you must run payroll, you have to. And if you haven’t been then you’re just getting screwed for one more thing with the PPP loans part of COVID-19 Stimulus.
But the self-employed independent contractor is very specific, it’s for schedule C filers. How do you know if you’re a schedule C filer? You would have to look at your tax return. All right. If you normally file your business files a whole separate return you’re not a schedule C filer. It goes on your personal return. And again, there’s a bunch of rules as to who’s actually eligible. So you had to be in operation on February 15th of this year. You have to have 1099 income or if you don’t receive 1099s, I know that’s not a perfect system. If you generate your own clients and they pay you directly that’s fine. It’s just self-employed income or 1099 miscellaneous income. You have to be a principal place of residence in the U.S. and you have to file a schedule C for 2019. So that means if you started your business on January 1st of 2020 you don’t qualify for this because you’re not going to have a schedule C filed for last year.So you had to be in business last year still operating February 15th of this year and be self-employed.
Now the other question before they came out with a clarification is what were they actually going to base these loans on and this is nuanced, detailed accounting jargon. Was it going to be net profit? Which would be when you look at schedule C it’s the income less the expenses is your net profit. Or was it going to include equity draws which is money that you take out of the business? A lot of time for small businesses those numbers are more or less the same thing. There are some things that can make that different. For example, if you tend to leave money in your business and not take draws, your cash draws and your profit won’t be the same. But they put out the guidance very specifically we are looking at self-employed profits for the PPP loan calculations.
So, there’s actually two ways of calculating and it depends on whether or not you have other employees. So if it’s just you and nobody is on payroll this is how you would calculate your PPP loan amount. So you’re going to start with whatever your net income is on your schedule C for 2019. It’s the total income less all of your allowable expenses that reaches the what we call bottom line number or your profit. If you’ve made more than $100,000 on your schedule C it’s capped at $100,000. Why do they do that? Well, for the other piece of PPP for the other businesses they’re excluding payroll over $100,000 so this is falling in line with that.
And a sidebar, if you have a schedule C company that’s making over $100,000 you need someone to talk to you about tax planning because you are not optimized for your taxes. And then if you’re running at a loss or if you’ve totally broken even you’re not eligible. Because if you’re losing money in your business and you’re out of money right now you might lose more but I guess they figure it doesn’t harm you that much more. So you’re going to take the amount of your net profit or $100,000 and you divide it by 12. That gives you the average for last year. And then you’re going to take that average and multiply it by 2.5 or a 250%. So, that’s how they’re equating the schedule C method to the business method. It’s as close as they could do to make it to be roughly the same thing.
Now, if you have employees you’re in a slightly different situation, you’ve gotta do a couple more steps here. You’re going to start again with that net profit or loss from schedule C. That can’t be more than $100,000 and if it’s zero you’re not eligible. Now you’re going to add in your Medicare wages. So this is really the payroll. You’re gonna add in the wages of your employees that you’re paying that show up on your quarterly payroll tax form 941. You can also add in health insurance, profit contributions. You take that total, divide it by 12 and multiply it by two and a half and that’s how they’re coming up with your loan calculation. So, it’s an extra step in there if you’ve got employees on payroll because you need to include them along with yourself.
So that’s that part for the self-employed. That didn’t come out right away at the beginning. My update on what’s going on with PPP, They ran out of funding in 13 days which is crazy. Yesterday the Senate approved phase 3.5 for relief with $300 billion going to PPP funding, which is fantastic.The SBA should resume handing out loans. Now this is supposed to be first come first serve, there is all a lot of questions, I think there’s even some lawsuits now about did the big banks like your Wells Fargo, Chase, did they actually hand these out first come first serve or did they go to their enormous clients and say, “Hey, we think you qualify. Come give us your application and we’ll get you $10 million.” I don’t know. I don’t know when we’ll know, if we’ll ever know.
What I can tell you is that while there’s lots of outrage on social media towards those businesses like Ruth Chris and Shake Shack the thing you have to understand is they actually qualified under the rules as they were written. Now you might say, “Well, if you think about it, logically the SBA, the Small Business Administration, you shouldn’t be able to apply if you’re a publicly traded company.”That seems like it should just be common sense but that’s not anywhere in any of the rules. They put specific waivers in for restaurants that have multiple locations and that’s how these big, big companies managed to swoop in and grab all that money. Fair no, but that is the price of unintended consequences sadly.
Let me see a question, “All my subs are 1099, I applied, received SBA loan. What’s the process? What docs need to be kept for the loan to be forgiven?” Everything. You’re going to have to document the crap out of that. My suggestion on the loan forgiveness documentation is to put the money, the funding into a separate bank account, and only use that funding for the forgiveness. So, if you’re running payroll do a transfer from that to your payroll account, document the hell out of it, put memos notes, whatever you can so that when you need to justify it you’ll have that in there. Also, the 1099s are not going to qualify for loan forgiveness. Initially they said that they were going to count them and in the end they said, “Nope, only payroll.” So yeah 1099 people you are going to have no forgiveness. In fact, the bank should not have granted you even the loan based on 1099s because that’s not the qualified wages for PPP. So, I’m impressed that they did that or terrified not sure which. And once you get to the actual forgiveness it seems like it’s going to be the up to the lenders. So, maybe that particular lender will be okay with it and then it’s their problem, who knows, but document, document, document.
Okay, EIDL. I’m going to move onto the next part. EIDL is the free $10,000 that hardly anybody actually got. It was supposed to be an advance on the EIDL emergency disaster loan.It was written in the bill to say that it was an advance of $10,000. The SBA went on their own and said, “Well, we are not going to give you that. We’re going to give you $1,000 per employee up to $10,000.” So that sucks. I don’t know if there’s anything to be done. You can try and contact your Senator. If you’re in Florida contact Senator Rubio who is on the committee that oversees that program and maybe they can help. I’m not sure.
“Has anyone received it yet?” Yes. EIDL, I actually got my EIDL, I got a whopping $1,000 for me who is the only person on payroll. A small nonprofit that I applied for also got $1,000 and I have one client that got $10,000 but he’s got a bunch of employees. So, that’s how he got it. They are giving it out, it’s again supposed to be first come first serve so if you put it in right away you got it eventually. It wasn’t within the three days that they said but it happened eventually. So this is supposed to be a loan with an interest rate of 3.75 up to two million with principal interest deferment up to four years. The grants have gone out. I have not seen anything about the actual loan. I personally have not heard a thing about the loan itself. So, I’m not even convinced that there is loan money available. I think they might’ve used it all with the grants. And this was to be able to to be used towards any operating expenses. You could use it to payroll but it could be for anything.
So the update here is that the Senate approved another $60 billion in loans and $10 billion of that would come in the form of the direct grant. So that’s that magical $10,000 or $1,000 per employee as it’s been re defined. But who is going to get it? When I looked yesterday on the website the SBA took down the application website and they actually said that they’re not taking any loans because they’re out of funding. And they again are supposed to be processed first come first serve. Who knows? I don’t know if once the funding gets fully approved by the house, president, everyone, if they will put that back up. I don’t know. I’ll try to keep an eye on it and see because it’s a free grant so that if you do get that grant it does not need to be repaid which is what is so nice about it.
I see question, “Can you still apply for EIDL only and not PPP?” As of right now no. That is what I’m saying. The SBA is no longer taking applications for it. That might change with this additional funding. I will try to keep an eye on it and see. Hopefully we find out the answer will be yes, it would be great.
Into the new stuff, employee retention credit. So this is supposed to be to keep businesses with their employees on their payroll even if you have to reduce. Anyone who can stay open this would be I guess a huge benefit if you are able to stay open and keep employees on. So, the refundable credit is up to, it’s 50% up to $10,000 in wages. But you had to have a financial impact by COVID-19. I would think probably just about every business has been financially impacted by COVID-19. Even those that are still open are not open to the full capacity that they used to be.
Now, this is available for any size employer so you’re not going to hear those screaming and yelling about big public companies taking it when small businesses couldn’t because it’s a tax credit. This is not a loan, it’s not money that’s being doled out by any government agency. However, if you take an SBA PPP loan you do not qualify for the retention credit, it’s one or the other. So you have to think about that before you go and take a PPP loan. And it’s not even taking it and using the money. Once it’s granted to you, you no longer qualify for the employee retention credit. So it’s one or the other, it’s not a both, you cannot combine them. That has to be totally clear. It’s a decision you have to make.
Now you’re a qualifying employer if your business is fully partially suspended due to government in relation to COVID-19.So, a local grocery store could be someone like that like everybody’s partially at least suspended. I don’t think anything’s fully operational at this point. And your gross receipts have to be down 50% of the comparable quarter from the previous year. And if you go above 80%, so if you’re in an industry that’s booming right now you might not qualify. The other important thing, self-employed independent contractor, schedule C people, you do not qualify because you don’t file payroll taxes and this is a payroll tax credit.
So hang with me here. It’s a little dense but it’s worth it if it’s worth it to you. So how do we calculate it? Half of your qualifying wages up to $10,000. So for example, if I pay somebody $10,000 a month or I guess it’s really, I think it’s in a quarter, I don’t think it’s a month, I think it’s a quarter, $10,000, half of that $5,000 would come as a credit. Which is a huge amount for a payroll tax credit. And this is good on wages that are paid after March 12th, before the end of the year basically which is pretty cool. So, it can go on for the rest of the year and you can also include healthcare on that. And then I’m only including employers with less than 100 employees because that’s mostly who’s going to be seeing this. If you had 100 or fewer on average in 2019 the credit is based on all the wages that are paid on the period, the March through the end of the year period.
So, how do you actually claim this credit? Well, it’s going to be claimed on your form 941 starting with the second quarter. So second quarter ends in June and that would be the first time that you can claim it. And it specifically is offsetting the social security portion of your payroll taxes. Even though you can start counting wages for this on March 13th you cannot go backwards and amend your first quarter 941. You can only take that credit and apply it to your second quarter. And as of yesterday when I went to go look at it they have not updated the forms yet. So, hopefully by the time June comes around they’ll update the 941 forms. Those 941s you only file quarterly. They’re not so fast on updating this stuff, it’s a bit of an ordeal, but there is a note.If you go Google that the form 941 there’s a note on it that says basically all the information I just said. You can’t claim it all the first quarter, it’s only starting the second quarter, et cetera.
So, what are the problems here? As I said before you cannot combine this with the PPP loan or the EIDL loan if you get it. Now, what do we not know? What if you got the EIDL credit, does that count? No idea. I would venture to guess no because that’s not a loan, it was just an advance or a grant. Hopefully that doesn’t preclude you from being able to get this. The other thing is that the earliest you can claim is for the second quarter which usually you’re dealing with the taxes as you go but you might not be able to claim it until July.
So, something you have to take your crystal ball out and see is do you have the cashflow to keep running payroll all the way through June if we stay in this locked down situation? Which we might not be. You’re starting to see the economy open up in various places, but even with things opening up I don’t know how long it’ll take for businesses to really return. Because I think even if things open up you’re going to have a lot of people staying home and they might not open everything. They might not open the restaurants, the bars, all that kind of stuff, maybe not all retail. So, this is really a, I like to think of this as a bright light if you’re managing to stay open and stay with people on payroll. I would not count on this to keep you going. I think that’s the bottom line.
More pitfalls. Well, so they put out a great form, form 7200 advanced payment of employer credits due to COVID-19. Holy moly this sounds great. However, can you calculate what your anticipated tax credit on payroll is going to be in June? I don’t know. And I think even if you thought, “Okay, I have enough money I can keep everything going until then,” there are so many unknowns in the world right now that this is maybe not the most advisable way to get cash. if you asked me I would say, “Don’t even look at this form, ignore it.” I put it up there with the ability to push off paying your payroll taxes to later in the year that the government passed. I wouldn’t do that either because at some point you’re going to owe it. What happens if your calculation is wrong?
These payroll taxes are serious business. If you don’t pay your payroll taxes there is no faster way to get an IRS agent on your door than to not pay your payroll taxes. So what if you screw up your calculation? Are they going to charge you interest, penalties? Is there going to be extra fines? Is it fraud? Who the hell knows? And if you file this what is the government going to do? Is the IRS going to send you a check for this request? No idea. I would avoid using this form. I think it’s just more headaches and trouble than it’s worth and payroll tax trouble is the worst tax trouble. All right. So that is that. Let me hop over and take a look at some of the questions.
“How can you trace EIDL loan confirmation number?” As far as I know, you cannot. You can’t trace it. You can contact your senator and they can try to on your behalf if you give them permission, you fill out a form, you give them permission, they can supposedly talk to the SBA for you. But as far as I know there’s no way to track with a confirmation number. You just have it.
All right other question, this is about the unemployment, “Did you mail in the new form or do it on the website?” I mailed in the new form. After I mailed it in I was able to log into the website and I have been contemplating filing it on the website and haven’t really decided if I want to really screw up my account and try and do that also.
“If I already applied and got zero do I reapply?” That I don’t know. I have heard this from a few people that they applied, they were told they didn’t qualify. I think that’s a system error. I don’t know what you’re supposed to do. You might have to get ahold of a human. Because even if you don’t qualify you’re supposed to get the $600 federal portion of it. So, I don’t know. Sorry, I don’t have that information at this point. Let me back up here and hop back over. Okay so the options you have available, go apply for unemployment if you haven’t. That’s probably the easiest one to actually get. PPP loans, the banks and lenders are still taking those applications. They should be opening up money.
“Do self-employed file on the Florida unemployment website?” I don’t know that it will let you know. I would mail in the paper form if I was self-employed because they’ll probably just tell you you don’t qualify in the computer system and you’re going to answer the questions wrong, wrong for getting it not wrong for what your situation. The paper form is on their website. If you go to the unemployment website there’s a link that’s like print the paper form or something like that.
Okay so back to what we can do. Unemployment, PPP loan. You can go put in the application, still the sooner the better. The EIDL grants, if the open that website back up with the funding being approved there you go, you can get that. There’s paid family leave employer credits available. This again is if you have the cash to keep employees on you can eventually get these credits. And get cash wherever possible and hold onto it. Just about every credit card company that I have heard of is doing some kind of COVID-19 forbearance of some sort. Call your mortgage company. Call anyone you can that you normally pay and see what you can do. I have heard that some of the credit card companies are even doing rate negotiations. You’ve just got to sit on hold for a long time but it’s probably worthwhile.
And what else? Cut and reduce expenses. I talked about this last time, definitely cut expenses but think about it. Be a little bit forward looking. Like I had a service that I didn’t use very often, $25 a month. It’s not a lot of money but I’m not using it. I got rid of it. I went through subscriptions, things that I didn’t need anymore, got rid of those. But think about if you’re going to cut things that in the future you will need you might not want to, for example marketing costs, effective marketing. If you have ineffective marketing you can cut that. But effective marketing, SEO, things like that you probably don’t want to get rid of unless you think you’re really going out of business. That might be the only caveat to that one.
So, what’s next? Go file for unemployment. You can hop on to… Oh my God. Somebody sent me a question, “Can I get rid of my husband? He’s a major expense.” I did hear that divorce rates were way up right now so if you need a good divorce attorney I know a few I can probably help you with that. Thank you Marilyn that was very funny. Anyways, what we should do next, file for unemployment, file for the EIDL grant if they put that back up, get your loan docs together for PPP. Even if you don’t have everything together start the process so you can get into the system. Everyone that I have spoken to had to go back and forth to the bank a few times to make sure they had everything the way they needed it. And if you got your funding make sure your bookkeeping is set up so that you can track this stuff because holy moly that’s going to be a nightmare trying to track what COVID-19 Stimulus dollars went to where after the fact to make sure that you get that forgiven.
And then calculate your potential employee retention credit. I have spoken to a few people who said it wasn’t worth it to stop paying people for various reasons and they’re still running their payroll. Well, you might qualify for an employee retention credit and we can help you calculate those things. Now, here’s the real question with employee retention credit. If you use a payroll service like Gusto, I love Gusto, or QuickBooks or anything else I don’t know how any of those payroll providers are going to handle the employee retention credit until we know more about it. Because right now you can’t even put it on a form. So, you might want to contact your payroll company if you fall into that category of wanting to claim those credits and start talking to them early. And just make sure it’s on their radar and make sure you know what you’re going to have to do to claim those COVID-19 Stimulus credits as soon as you can.
I’ve been fielding phone calls and text messages and trying to help people putting out a lot of information on Facebook. I have on my website the main page is going right to COVID-19 stimulus because that is mostly what’s happening right now. Some people want their tax returns I know but most people are really worried about just cash right now. And then, you’ve got free time so I would encourage you to hop on my business book club. I did this last year. It was a lot of fun. We read some really great books. So, we’re going to do Good to Great, which might be backwards I don’t know. You might see it backwards or upside down. Good to Great is a fantastic book. The author’s got free tools and things. Even if you don’t read the book you can hop on the Zoom call. A couple of us avid readers will have dug through it. I actually listened to it before so I’m going to read it this time and do… The perils of webinar’ing from home.
That’s going to be in May. And I’m going to have some other webinars coming up for people who are starting new businesses, making sure you’re documenting things properly. So, you’re audit proofing your business, profit-first, make your business wildly profitable. I’m working with my friend Leslie Oppenheimer. We’re going to see if we can also get a book and maybe do something to help people get their business online and set up recurring revenue programs. So, that was a very preliminary discussion we had yesterday but trying to put information to get everybody money that they need now and help them with their business in the going forward so that we all survive.
Questions, I’ve been answering them as we went. If anyone’s got more throw them in there now. We’re going to finish a little early even. Hopefully I wasn’t speaking too much at the speed of light. So, and I found this quote yesterday I liked it. “Crisis and deadlocks when they occur have at least this advantage, they force us to think.” So, put your thinking caps on, get creative, try not to panic. It’s hard sometimes but try. And I’m here if you need help so shoot me questions.
“Which banks are still taking applications?” I think all of them. I mean, all of them that are SBA lenders. I know a couple people specifically reached out to me from banks that if you’re still looking for a bank to apply to some are faster than others. I’ve heard the smaller banks are getting the loans out faster. I did my own Bank of America and they stalled and stalled and then told me, “Oops sorry we’re out of money.” So, hopefully that changes and Congress authorizes more COVID-19 Stimulus.


Clear-cut Galaxy S23 Ultra 200 MP camera test photo wholly outclasses S22 Ultra 108 MP comparison effort
The leaker Ice universe has moved on somewhat from frequently discussing the expected design of the Samsung Galaxy S23 Ultra (flatter display, less rounded corners) to sharing information about the flagship smartphone’s camera equipment. The source has already provided a variety of details about what could be coming to the Galaxy S23 Ultra but has recently gone a step further by offering a comparison between an image purportedly taken by the 2023 model and its S22 Ultra predecessor.
Obviously, if the leak is genuine then the photo would have been taken with a prototype Galaxy S23 Ultra as there is still a lot of work to be done by Samsung from now until the likely launch date timeframe of February 2023. However, the differences between the photo taken with the 200 MP lens of the Samsung Galaxy S23 Ultra and the 108 MP main sensor of the Galaxy S22 Ultra are clearly distinguishable. It may not be the most exciting image comparison subject ever but the rumors swirling in regard to S23 Ultra camera superiority can be clearly seen here.
The photo on the left is much sharper than the image on the right, which practically looks primitive in comparison with it blurred outlines, lower resolution, and lack of definition. It’s hard to believe that the S22 Ultra’s 108 MP camera can be so completely outclassed, but that is what is shown here by the effort produced by the Samsung Galaxy S23 Ultra’s 200 MP unit, which logically should be much better anyway considering the spec bump. Ice universe also mentions that 16x magnification was in place for the cropped shots and that “AI enhancement” was not in operation.


text:
- Be a listener.
- Be open-minded.
- Be willing to talk.
- Be inclusive and invite LGBTQIAAP friends to hang out with your friends and family.
- Be supportive of those who need your help in their coming-out process.
- Be outspoken against anti-Queer comments and communicate that you find them offensive.
- Confront your own prejudices, even if it is uncomfortable to do so.
- Defend your LGBTQIAAP friends against discrimination.
- Believe that all people, regardless of gender identity and sexual orientation, should be treated with dignity and respect.
- If you see discrimination at the workplace, report it!
- Don’t invalidate queer experiences but amplify them.
- Don’t be a mouthpiece for anyone who isn’t ready to come out yet; respect their privacy & time to communicate their coming out on their own.
- Don’t be afraid to ask about issues and terminologies to become a socially aware, proactive Ally.
Cheers to becoming
an awesome Ally

domain: sociology


text:
Tesla’s (NASDAQ:TSLA) first-quarter sales dropped nearly 9% amidst intensifying competition and a slowdown in demand for electric vehicles.
The company, based in Austin, Texas, reported delivering 386,810 vehicles from January to March, a decrease of almost 9% compared to the 423,000 vehicles sold in the same quarter last year.
Sales fell short of Wall Street estimates, with analysts surveyed by FactSet expecting Tesla Inc. to deliver 457,000 vehicles.
Tesla attributed the decline partly to the phased introduction of an updated version of the Model 3 sedan at its Fremont, California, factory, plant shutdowns due to shipping diversions in the Red Sea, and an arson attack that disrupted power to its German factory.
In a letter to investors in January, the company forecasted “notably lower” sales growth for the year. The letter indicated that Tesla is in between two major growth phases: one from the global expansion of the Models 3 and Y, and another from the Model 2, a new, smaller, and less expensive vehicle.
Last year, Tesla significantly reduced prices in the U.S. by up to $20,000 for certain models. In March, it temporarily lowered the price of the Model Y, its top-selling vehicle, by $1,000. These reductions impacted the company’s profit margins, which concerned investors.
Shares of Tesla fell 7.4% at the opening bell on Tuesday. They have declined by approximately 30% so far this year as Wall Street has grown cautious of Tesla’s significant growth narrative.
Wedbush analyst Dan Ives, typically optimistic about the stock, noted in an investor note last week that first-quarter deliveries would be a “nightmare quarter” for Tesla.
Although Ives maintained an Outperform rating on the stock, he reduced his one-year price target from $315 to $300.
During the quarter, Tesla experienced production disruptions in Germany due to a suspected arson attack that disrupted its power supply. Production in the U.S. was also affected by an upgrade to the Model 3, and Ives estimated that sales in China decreased by 3% to 4% during the period.
Ives stated that investor patience is wearing thin.
“For Musk, this is a ‘fork in the road’ moment to guide Tesla through this turbulent period, or else darker days could lie ahead,” Ives wrote.
The softer-than-expected first-quarter sales are lowering analyst expectations for quarterly earnings, which are set to be released on April 23. Citi Analyst Itay Michaeli reduced his full-year 2024 earnings per share estimate from $2.78 to $2.71.
Featured Image: Pexels


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Abattis Bioceuticals Corp. (OTCQB: ATTBF) is engaged as a biotech company, which cultivates, licenses, markets and commercializes specialty treatments using medical marijuana compounds. Shares of the Canadian biocannabis company are jumping 18.46%, during early trading on Tuesday, March 28, 2017. Over the past three months, Abattis Bioceuticals Corp. has seen average daily volume of 718,331 shares. However, volume of 774,813 shares or dollar volume of $119,321, has already exchanged hands on Tuesday.
Shares of Abattis Bioceuticals Corp. are gaining today, after the company is highly anticipating the Canadian liberal government’s rumored announcement that marijuana legalization is coming in April 2017. Management says the bill will likely take full effect by July 1, 2018, after which, recreational marijuana will be legalized in Canada. With the government set to unlock a high-growth market, companies are preparing for a ”new era” cannabis in Canada:
Abattis Bioceuticals Corp. Press Release:
VANCOUVER, BC / ACCESSWIRE / March 27, 2017 / Abattis Bioceuticals Corp. (ATTBF) (CSE:ATT) (the “Company” or “Abattis”), and its subsidiary, Northern Vine Labs, is anticipating the Liberal government’s upcoming announcement, next month (the week of April 10th), on legislation that will legalize recreational marijuana use across Canada by July 1, 2018.
As reported by the CBC, Trudeau’s government will follow the recommendations of a federally appointed task force, led by former liberal Justice Minister Anne McLellan, and in doing so, will look to deliver on their controversial campaign promise of introducing legislation by the Spring of 2017.
The report outlines that the federal government will be in charge of making sure the country’s marijuana supply is safe and secure, with Ottawa responsible for handing out licenses to producers. A key factor in this discussion is that provinces will have the right to decide how the marijuana is distributed, sold, and at what price. While Ottawa has set a minimum age limit of 18 to buy marijuana, the provinces will have the option of setting a higher age limit, if they wish.
This report further confirms the unique position and macro-timing in which Abattis and its subsidiary, Northern Vine Labs, a Health Canada Dealers Licensed cannabis testing laboratory, will have the privilege to operate in. Last week, High Times magazine published this report, stating that Lab Testing will represent the Next Billion Dollar Market opportunity within the Marijuana industry. Following a string of pesticide and contamination scandals and leading to numerous pending class action lawsuits, industry analysts believe there will be increased demand for accurate and reliable cannabis testing to ensure product cleanliness and safety.
To combat this problem, Health Canada recently announced random testing on the 39 licensed producers in Canada. In addition, the board of the Cannabis Canada Association voted unanimously on March 9th, 2017, to implement mandatory product testing among all its members. The association, which represents Aurora and 14 other Health Canada-licensed producers of medical marijuana, recommended that testing should screen for contaminants including bacteria, heavy metals, and unapproved pesticides. It also called for those test results to be made public, for consumers to see.
Northern Vine Labs is set to open its doors for product testing next month (April 2017) and looks forward to contributing to the safety of Canada’s budding, and soon to be legal, marijuana industry. Management will continue to provide updates in the weeks leading up to this event.
About Abattis Bioceuticals Corp.
Abattis is a specialty agricultural technology and biotechnology company which aggregates, integrates, and invests in agricultural technologies and biotechnology services for the legal cannabis industry developing in Canada. The Company has successfully developed and licensed natural health products, medicines, extractions, and ingredients for the biologics, nutraceutical, bioceutical, and cosmetic markets. The Company is also seeking to acquire exclusive intellectual property rights to agricultural technologies to be employed in extraction and processing of botanical ingredients and compounds. The Company follows strict standard operating protocols, and adheres to the applicable laws of Canada and foreign jurisdictions. For more information, visit the Company’s website at: www.abattis.com.
About Northern Vine Canada Inc.
Northern Vine Labs™ is licensed by Health Canada for the possession of Cannabis and related active ingredients, as well as the production of extracts for the purpose of analysis. Northern Vine Labs™ product certification and quality assurances programs incorporate global best practices and procedures for application in the legal Canadian Cannabis market.
ON BEHALF OF THE BOARD
Rene David, CFO, Director
For further information, contact the Company at (604) 336-0881 or at email@example.com.
FORWARD LOOKING INFORMATION
This press release contains forward-looking statements. The use of any of the words “anticipate,” “continue,” “estimate,” “expect,” “may,” “will,” “project,” “should,” “believe,” and similar expressions are intended to identify forward-looking statements. Although the Company believes that the expectations and assumptions on which the forward-looking statements are based are reasonable, undue reliance should not be placed on the forward-looking statements because the Company can give no assurance that they will prove to be correct. Since forward-looking statements address future events and conditions, by their very nature they involve inherent risks and uncertainties. These statements speak only as of the date of this press release. Actual results could differ materially from those currently anticipated due to a number of factors and risks various risk factors discussed in the Company’s Management’s Discussion and Analysis under the Company’s profile on www.sedar.com. While the Company may elect to, it does not undertake to update this information at any particular time. NEITHER THE CANADIAN SECURITIES EXCHANGE NOR ITS REGULATIONS SERVICES PROVIDER HAVE REVIEWED OR ACCEPT RESPONSIBILITY FOR THE ADEQUACY OR ACCURACY OF THIS RELEASE.