Stain Resistant Carpet in Calne
The Carpet and Flooring Shop that comes to you in Calne
Are you looking for a stain resistant carpet in Calne? We are the carpet & flooring shop that comes to you in Calne. Bringing with us as many samples as any high street carpet store, we have ranges of flooring to suit every taste and budget. Why not select your dream carpet, laminate, Luxury Vinyl Tiles (LVT), vinyl or wood flooring from the comfort of your own home?
Not only can you benefit from the comfort of a brand-new carpet, but you can also take advantage of the stain-resistant properties of our selection. Stain-resistant carpets are often made from easy-to-clean materials with durable construction styles, including our berber loop carpets and twist pile carpets.
One of the main benefits of these ranges is their ability to be cleaned easily. We have a wide selection of bleach-cleanable carpets which takes the stress and hassle out of cleaning spillages and maintain the same great look as they did when they were first installed.
Our stain-proof carpets are perfect for residential and commercial spaces alike. Whether you’re looking for a contract carpet, dining room carpet or even a bathroom carpet, our range can help keep your carpet stain free.
We cover Calne and all the local villages including: Beckhampton, Blackland, Bremhill, Bromham, Calstone, Charlcutt, Cherhill, Compton Bassett, Derry Hill, Heddington, Hilmarton, Mile Elm, Stockley, Studley and Yateley.
Our Products & Services
Nylon is very soft, durable, and resistant to stains. It has good resistance to wear, mould, and mildew, and it is easy to dye and holds its colour well. It is about the same price as a wool carpet
Polypropylene is the most popular carpet fibre and is now as soft as nylon. A main feature of a polypropylene carpet is that it is highly stain-resistant but can be prone to soiling and holding onto oils which in turn, collect dirt. It is, however, incredibly easy to clean, bleach can even be used as part of the cleaning process.
Wool is a natural, luxurious and long-lasting material.
Lower-grade wool is more prone to staining, while high-grade wool can be expensive. Most manufacturers combine wool with manmade fibres to create a carpet with the benefits of both. Pure wool carpet is made without chemicals or additives, which makes it an excellent choice for those with allergies.
The choice of a carpet underlay is just as important as the choice of the carpet. Here are the main advantages of a decent underlay:
Luxury carpet underlays are thick and dense, which provides that fantastic underfoot feeling. The underlay will absorb any impact and be a comforting cushion on your feet when you walk. This makes for a very comfortable experience when walking on a carpet with a quality underlay.
An underlay with a higher tog rating will provide some extra insulation. The thick and dense materials block the cold air and prevent the warm air from escaping. A new underlay can reduce the heating bills by approximately 15%.
A quality underlay will help prevent wear and tear on the carpet, which can extend the life of a carpet by up to 50%. It will also protect your flooring from any moisture that may be present within the subfloor, which will prevent damage from dampness.
A great underlay will help a carpet retain its spring for longer. This prevents the pile from flattening as quickly as it may do on an old underlay. It will also help maintain a quieter home.
Once you have chosen your new flooring, that’s when our fitting partners take over. Additional services are available to help get an unquestionable perfect fit. From fitting your new carpet or flooring with underlay and accessories to moving the larger items of furniture, finally maybe even uplifting and removing your old flooring.
All our carpets carry a manufacturer’s warranty. At Avana Flooring, we are so confident with our fitting partners service that we offer a 12-month installation guarantee.


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From Newportville, Pennsylvania:
My son has had type 1 diabetes for five years. I am very concerned about his blood sugars. They are high often and he can't explain why. I do think he doesn't always comply as far as getting daily exercise and sometimes he does eat what he shouldn't. He is going through adolescence and his endocrinologist said that it's not unusual for males to start resisting insulin. But, they also said that he is on enough insulin for his height, weight, and age. He hasn't been able to get the pump because the endocrinologist wants his A1c to come down. I am very concerned about him and this has been going on for some time. Do you have any suggestions?
Managing diabetes in an adolescent can be very difficult. Be aware that on occasion, kids can misrepresent their blood sugars, how much insulin they are giving, and various other parts of their diabetes care that you are expecting -- that they aren't necessarily complying with. Most of the time this is not done maliciously, but is done out of frustration from dealing with their diabetes for many years. I encourage families that are struggling to make sure to positively reinforce good diabetes behaviors including testing frequently, taking insulin without having to be reminded, making good food and activity choices. You may also wish to check the meter more frequently to make sure you are getting accurate information from your teen. Enlisting one of their school friends to give good positive reinforcement while away from home can also be helpful.
Also, a pump can be an excellent choice for a teen in this situation. Pumps that communicate with blood sugar meters and that can dose based on carbohydrates take on much of the work of diabetes care and can be a big relief to a child/teen that is struggling. I am not a fan of waiting for a "good A1c" in order to get a pump, after all, if the child/teen was able to achieve an excellent A1c by using shots alone, what is the point of getting a pump?
In any situation, please remember to offer positive reinforcement to your struggling teen. This is a very difficult time for them.
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This Internet site provides information of a general nature and is designed for educational purposes only. If you have any concerns about your own health or the health of your child, you should always consult with a physician or other health care professional.
This site is published by T-1 Today, Inc. (d/b/a Children with Diabetes), a 501c3 not-for-profit organization, which is responsible for its contents. Our mission is to provide education and support to families living with type 1 diabetes.
© Children with Diabetes, Inc. 1995-2018. Comments and Feedback.

domain: medical


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Temporary Change to Visitation Policy During Flu Season
October 9, 2009
Jackson, Mich. — To protect patients from the highly contagious influenza virus during the flu season, Allegiance Health has announced a temporary change to its visitation policy.
Effective immediately, the following individuals will not be permitted to visit the hospital:
- Individuals age 18 and under
- Anyone with the following symptoms:
- Sore throat
- Runny or stuffy nose
- Body aches
Additionally, visitation to the following departments is now restricted:
- Labor & Delivery, Women & Newborns, Obstetrics (OB) Triage and Special Care Nursery: Limited to patient’s husband/significant other/support person and grandparents of newborns.
- Pediatrics: Limited to parents and grandparents.
"We understand this change will be an inconvenience to our visitors," said Jacalyn Liebowitz, vice president for Patient Care Continuum at Allegiance Health. "However, given our significant increase in patient volume and an influx of patients presenting with flu-like symptoms, we believe these steps are necessary to protect the health of our patients, staff and community."
Liebowitz noted that hospitals across the country are adopting similar, temporary policies as the flu season approaches.
"Both the H1N1 and seasonal flu viruses are highly contagious and can be extremely devastating to those who are already sick and in the hospital, particularly small children," Liebowitz said. "We are committed to providing a safe and protected environment for our patients—and this new policy reflects our commitment."
Allegiance Health is continuing to work closely with local and state health agencies to monitor the progress of both the H1N1 and seasonal flu in the region. Vaccinations for the H1N1 virus will be announced by the Jackson County Health Department once the vaccine becomes available locally.
For the latest flu information, visit AllegianceHealth.org or cdc.gov.


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Apogee Software is suing Gearbox Software for unpaid royalties and fees related to 2011's widely-loathed Duke Nukem Forever.
As reported by Polygon, Apogee claims it is owed US$2 million (NZ$2.5 million) in unpaid royalties in addition to an unspecified sum from when Gearbox purchased the franchise. It also claims that Gearbox has refused to allow it to independently verify how much money the game made.
In response, Gearbox said that it had fulfilled all its commitments to Apogee/3D Realms (3DR), and that in doing so, Gearbox “enriched 3DR, saved 3DR from its debts, and rescued 3DR from its litigation surrounding its failed dozen-plus year attempt to ship Duke Nukem Forever”.
"Ironically, Scott Miller [founder of Apogee] himself provided the best response when he wrote: '…filed lawsuits are entirely one-sided statements, based on knee-deep BS and with more spin than a top,'" said Gearbox.
"Everyone wished that 3DR's game was better received by the market for the benefit of gamers and profit to its creators. While 3DR might not wish the reality that the results make clear, 3DR turned out to be the only beneficiary of the deal. Gearbox Software, meanwhile, experienced damage to its credibility and loss of its money.
"It's unfortunate that 3DR did not abide by the objective audit rules outlined in the agreement and even more unfortunate that it chose to blame its failures on Gearbox. Since 3DR seems unable to accept reality and has chosen to become hostile, Gearbox is forced to bring its actual claims of breach of contract against 3DR and is confident Gearbox will prevail.
"Perhaps the lesson learned here is to never enter a gaming business deal with a person who has had more lawsuits than shipped games."
Despite a critical drubbing and slower-than-predicted sales, publisher Take-Two confirmed in an earnings call on August 2011 that Duke Nukem Forever looked likely to turn a profit.

domain: news


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The Folding of Subjacent Strata by Glacial Action
The Journal of geology
A number of upthrust folds of stratified rocks subjacent to glacial deposits occur at several places in Minnesota. Formerly they were considered as well-recognized glacial phenomena, and accordingly I took no special interest in them. More recently doubt has arisen' as to their origin, and this has led to my making a closer study of some of these occurrences. Proof of their true nature as glacial phenomena can now be given. The folds are more or less regular arches from 2 to 30 feet wide, and
... 30 feet wide, and half as high as wide. The strata of which they are composed belong to the Galena (Trenton) series, or to other formations in Minnesota, which lie as a rule horizontally throughout their extent. The folds and similar displacements are both exceptional and limited to the superficial part of stratified formation, so that no doubt need be entertained as to their being the result of surface agencies. For example, three such folds were seen in quarries and gradings at St. Paul, Minn., along the 8oo00 foot terrace which runs on the north side of the river from the city to Fort Snelling. This terrace is a limestone bench nearly cleared of glacial deposits by the glacial River Warren. The surface of the limestone lies now generally within the reach of the winters' frosts-i. e., less than 8 feet deep-and the folds in it either lie within reach of frost or may have been in that position at some time in the past. Their origin might therefore be supposed to be due either to the action of frost in waterfilled joints of the limestone, or, on the contrary, to the mechanical action of a glacier. Saturation and drying of the strata might also be supposed to have caused them. It was, in short, difficult to prove which agency had caused them.

domain: geography


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I can remember as i was growing up; I’d spend sometimes a good a part of my small allowance on video games at the arcade. From “Pong,” to “Street Fighter,” there were so various ways to spend my money it was incredible the way i saved anything. However, somewhere in slot gacor deposit pulsa of time, the video arcades lost steam associated with local malls, and stores.
The eye-co-ordination of players is found to improve greatly by playing these games. The games also contribute in teaching kids more about parallel parking. Most car games have multi operating methods which let you put in your favorite game using your pc casino slot gaming . The new rage among kids may be the Xbox 360 games. Kids have to be able to free online car games in plenty, which keeps them engrossed and via mischief.
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If it has been a while since you tried to play these games and any girl picture is driving around in circles for hours on end then it’s the perfect time you took another shop. Today’s car games online are found as aggressive and challenging as your favorite shooter adventure. Register at any of totally free whataburger coupons online merchants. Start making new friends and check out some new games. You might be surprised at all the changes discover.

domain: game


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Summer camps and childcare programs look into alternative ideas for summer 2020
It's the time of year that kids look forward to the most, summer break.
A big part of kids' summer includes things like summer camp, but with cancellations and restrictions due to COVID-19 camps are having to get creative.
Center for Courageous Kids will be holding a virtual summer camp this year called "From our home to yours."
While they know that a virtual camp will not be the same the hope is to still offer the kids a way to make memories and connect.
"Starting in June we will be posting some videos specifically for our campers. They will know some of the backdrop they will know the activities they will know they camp environment. So they will get a chance to take part in those activities some of them will be interactive and some them are more from their point of view they just get to enjoy it, disconnect from stress and log back into something they really know and are comfortable with and that's camping," said Ed Collins Director of Community Development and Civic Engagement.
Summer child care programs like Community Education are looking into summer alternatives. They are still working to find a safe way to navigate this new normal.
"There are a lot of things that we have to determine that we have to do to make sure that any of our students that participate are safe, make sure the staff is safe. So it's not like any of the other summer programs that we have had in the past. We know we are not going to be able to do field trips or go to the pool," Bill Oldham, Executive Director of Community Education.
Parents of children who have had students involved in the programs in the past will be contacted as soon as there is a definite plan for Community Education.

domain: sociology


In what may become a national model of how to teach instructors of disadvantaged students ways to effectively integrate technology into their classrooms, the U.S. Department of Education has approved a $9 million grant to launch the Maryland Teaching and Learning with Technology Consortium. Hopkins will play a key role in this path-breaking alliance.
The School of Continuing Studies' Graduate Division of Education and its Center for Technology in Education have joined with several other partners for the five-year professional development program for middle and high school teachers.
Funding comes from a federal technology innovation challenge grant. The MTLT is one of only 20 such projects to be funded nationwide. Plans for the program include a summer technology academy, professional development and distance learning.
The primary target of the initiative is teachers working in middle and high schools in Montgomery County with large numbers of students who are educationally disadvantaged as a result of poverty, limited English proficiency or disability. The majority of the professional development activities will involve hands-on use of advanced telecommunications technologies.
Other partners in the project include Montgomery County Public Schools, which will act as the lead agency; the school districts of Baltimore and Prince George's counties; the Maryland State Department of Education; Maryland Public Television; and several business partners, including Microsoft and Simon & Schuster.
For its part in the program, Hopkins will implement TeamTech Learning, its new system for integrating technology into classrooms and curriculum. TeamTech is a program created by CTE, a partnership of Hopkins' Division of Education and the Maryland State Department of Education that was founded in 1986 to promote the use of technology to improve the lives of children with disabilities.
TeamTech can be used by teachers in any grade and in virtually any discipline. In Harford County, middle school teachers use it to teach math. And in Baltimore City, it is used with specially developed CD-ROMs in cross-disciplinary programs in participating high schools to teach students school-to-work skills.
Hopkins' efforts in this grant will be led by Jackie Nunn, CTE director and chair of the Division of Education's Department of Technology for Educators. CTE TeamTech creators Lynne Mainzer and Betsy Lowry will implement the project.
Web-based learning communities will permit teachers to exchange ideas, lesson plans and other information and to receive coaching and mentoring throughout the school year.
In this new project, Hopkins' Division of Education also will have the opportunity to expand its highly successful Technology for Educators graduate program. Qualified participants from schools participating in the grant will be able to work toward a JHU graduate certificate.
The MTLT Consortium is the second CTE technology innovation challenge grant. CTE is also a major partner in Baltimore Learning Communities, which began in 1995. For that grant, CTE works with Baltimore City Public Schools and Arnold Packer and his staff at Hopkins' Institute for Policy Studies. Teachers in six Baltimore City high schools are learning to integrate technology into cross-disciplinary, project-based learning that prepares students for the successful transition from school to work.


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- Director: Perci Intalan
- Writer: Keavy Eunice Vicente
- Producer: Jun Robles Lana; Ferdinand Lapuz
A woman returns to the family she abandoned five years ago, to be with the woman she loved. As everyone is struggling not to reopen old wounds, and to stay civil, she embarks on a journey to reconnect with her daughters. The oldest daughter is particularly resentful, but may understand her mother better as she falls in love with a girl herself. Splendid drama with simmering, suppressed emotions.

domain: artistic


text: Villa E is a stunning mountain lodge built on the foothills of the Atlas Mountains, Morocco, by French designers Studio Ko. They designed the house with respect towards its landscape and a minimalist design approach. Local materials such as the red colored Ourika stone were used to create an interesting mix of tradition and modernity. Inside you find clean lines and modern design but also artisan objects such as handmade ceramics, vintage rugs and stone sculptures. To me the most striking feature are the full-height windows which give unobstructed views on all sides.


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domain: entertainment


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Vitreo-Retinal Consultants are a group of fellowship-trained retinal specialists who provide state-of-the-art care for retinal diseases including Diabetic Retinopathy, Macular Degeneration and Retinal Detachment.
We are proud to have a staff committed to high quality care. If you need to get in touch with our office managers or administration, please call one of our four locations and ask for their name.
"The staff is efficient and has a niche for what they do. Everything seems to go smoothly. Dr. Gersman knows what he’s doing and explains things well."
David, May 2021
"I like Dr. Estafanous. He’s nice, easy going, and keeps me informed all of the time of what’s going on. I feel very comfortable with him. Also, all of the staff are friendly, nice and efficient."
~ Amy, May 2021
"As always, I am pleased with the continued care from Dr. Conti. I feel confident in his knowledge of treatment methods. He shows concern for me as a patient. His office staff is also helpful and efficient."
~ Dan, May 2021
"I was brought back to the room exactly at the time of my appointment - no delays! Sarah was wonderful. It was like talking to a friend while she took my information and checked my eyes. Dr. Wenz was very thorough! He showed me a 3D example of an eye so I understood exactly what was happening with my eye. I highly recommend this practice! Thank you!!"
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St Michael West Central MP James Paul has taken his ruling Democratic Labour Party (DLP) colleague Donville Inniss to task over recent statements he made about the local poultry sector.
Amid concerns about an increase in the importation of chicken and turkey wings, Inniss, who is the Minister of Commerce and Industry, had called on domestic producers “to grow up and stop being childish and nit-picking”, while stating that the Barbados Agricultural Development and Marketing Corporation was a competent statutory entity empowered to import chicken wings.
However, Paul, who is the Chief Executive Officer of the Barbados Agricultural Society, said Thursday he was of the view that illegal importation of chicken and turkey wings was much more widespread than first contemplated.
Speaking to reporters at the BAS headquarters, the Grotto, Beckles Road, St Michael he also took Inniss to task for claiming that the egg and poultry farmers were “nit-picking”.
On the contrary, Paul said whenever these BAS members speak out against illegal importation, they do so based on empirical evidence.
He also condemned what he called the class snobbery which exists in Barbadian society, while highlighting the importance of the poultry sector to providing employment and saving foreign exchange.
“When the Barbados Hotel and Tourism Association complains about something, they are not told they are nit-picking; when the Chamber of Commerce and Industry speak out they are not told they were nit-picking and when businessmen claimed that they did not know how to implement the National Social Responsibility Levy they were not told they were nit-picking,” said Paul.
Pointing out that 45 per cent of the local industry was controlled by small farmers, Paul said: “I would encourage Barbadians to support the industry. They are doing their best to be responsible stakeholders.”
He said the BAS had committed itself to a study, which will aim to provide answers to what is occurring in the industry at any given time. He recalled that some weeks ago there was evidence that there was illegal importation of chicken wings and upon investigation by officials, he said, the report was found to be true.

domain: economics


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Geniuses Work Together: Big B & Iilaiyaraaja
Legendry Actor Amitabh Bachchan is busy with his film ‘Shamitabh’. Currently he is working on a new song which he will sing in the film.
On June 16 Big B posted on his blog, “Oh and yes another session with Aadesh (Shrivastava) at his music studio last night did result in another song that I had to sing for Shamitabh. The finest quality of music from the genius of Ilaiyaraaja, the magician from Chennai”.
While taking about the veteran composer Ilaiyaraaja Big B said, “How many years have passed since his emergence and how till today his prominence continues. The veteran, the master, who nurtured some very special musicians.”
Currently, Ilaiyaraaja is composing music for Shamitabh. He has composed music for over 900 films in his career.
R Balki’s ‘Shamitab’ also has Dhanush and Akshara Haasan in lead.


Now, something different from Subaru: the brand's first all-electric vehicle called Solterra.
"Not only electric, but something that can fit all the requirements of what Subaru customers need to do with their vehicles," said Garrick Goh, planning manager at Subaru of America.
Loyal Subaru customers, in many cases. And for many of them, all-wheel-drive capability was a must from the get-go.
"This car does have best-in-class ground clearance, at 8.3 inches. So when you couple that with symmetrical AWD and also the dual-function X-mode with grip control, it actually does quite well on trails," added Goh.
It works well on pavement too, with a huge cargo area, and plenty of seating room. Battery range is about 225 miles officially, but the one I drove seemed to be doing much better than that, according to the onboard computer.
Subaru must be onto something, as the Solterra already appears to be a success just over two months after they opened the reservation process.
"We sold out half the year's production in about an hour, and the second half shortly thereafter," Goh noted.
It's no secret that the Solterra was developed alongside Toyota's new electric vehicle, the bZ4X. But the Solterra is definitely not just a Toyota with some Subaru badges stuck on.
Yes, if you look at both of them, there are similarities between the bZ4x and the Solterra. But Subaru is quick to point out that they had an equal partnership in development, to make their vehicle a true Subaru.
"Half the people that worked on this car were from Subaru, half from Toyota. Subaru was responsible for the handling feel of this car, and Subaru was responsible for the all-wheel drive system of this car," explained Goh.
This might be Subaru's first EV, but definitely not the last.
"We have plans to electrify many more of our vehicles between now and the end of the decade," hinted Goh.


The Frontier Touring Company and Illusive are excited to announce iconic hip-hop trio Bliss N Eso’s highly-anticipated return to the touring circuit this July with their House of Dreams tour. This tour announcement comes off the back of the release of Home Is Where The Heart Is – the first official single from their brand new album Circus In The Sky.
The six-date tour will cover all mainland capital cities in the band’s first headline tour since 2011 when they embarked on the highest-selling tour by an Australian hip-hop act. This is the first chance fans will get to experience the tracks from Circus In The Sky in the flesh, alongside the cult classics from their back catalogue. Bliss N Eso will be joined by two very special guests – Alabama’s rising star Yelawolf and local superstar Pez.
Since signing to Eminem’s Shady Records in 2011, Yelawolf has become one of the world’s most hyped emerging rap artists. In the years since, he’s released his critically acclaimed debut album Trunk Muzik and featured on tracks alongside the likes of Ed Sheeran, Big Boi, A$AP Rocky, Big K.R.I.T. and Travis Barker just to name a few.
Melbourne’s Pez made his welcome return to the spotlight in recent months with the release of his latest single The Game and is tipped for an enormous 2013. Bliss N Eso have also confirmed the release date for their upcoming new album Circus In The Sky as Friday 28 June 2013. It follows on from 2010’s hugely acclaimed Running On Air which debuted at #1 on the ARIA Album Chart and achieved platinum sales.
Solidifying their reputation as artists that love to pack as much value as possible into each release, they’ve delivered another 17-track epic with a running time of an hour. As rumoured, it features a guest appearance from New York hip-hop icon Nas on I Am Somebody – arguably their biggest feature to date. Further down the tracklisting are appearances from nomadic Melbourne soul export Daniel Merriweather on Can’t Get Rid of This Feeling and rising American singer-songwriter Ceekay Jones, whom the boys befriended on their most recent US headline tour. Possibly the most interesting inclusion on the tracklist comes via posse cut Reservoir Dogs, which features a who’s who of contemporary local hip-hop – seeing them joined by 360, Pez, Seth Sentry and Drapht.
The mysterious winged character that has inhabited the band’s two previous album covers has made its third appearance on the newly revealed ‘Circus in the Sky’ artwork, albeit in an unexpected form. Following from Steve Cross’ illustrated covers on Flying Colours and Running On Air, the band have teamed up with world-renowned digital artist Justin Maller to create a spectacularly vivid piece which sees the character looking towards Earth from afar. Justin is a Melburnian living in New York who has worked with the likes of Nike, Coca-Cola and the Grammys.
Circus In The Sky is now available. You can also pick up signed CDs accompanied by t-shirts, iPhone covers and stubby holders alongside bundled packs including the album and House Of Dreams Tour tickets.
Circus In The Sky is out now, through Illusive.
01. Unite (2:40)
02. Pale Blue Dot (3:32)
03. I Am Somebody (feat. Nas) (5:24)
04. Home is Where the Heart is (3:25)
05. Animal Kingdom (2:42)
06. Can’t Get Rid of This Feeling (feat. Daniel Merriweather) (4:24)
07. Act Your Age (2:39)
08. Life’s Midnight (4:02)
09. Reservoir Dogs (feat. 360, Pez, Seth Sentry & Drapht) (4:12)
10. Next Frontier (3:02)
11. My Life (feat. Ceekay Jones) (3:37)
12. Jungle (3:02)
13. Cialis Cuts (1:22)
14. Bomb Like Banksy (3:24)
15. Sunshine (3:28)
16. I Feel Free (3:45)
17. House of Dreams (4:26)
Bliss N Eso House Of Dreams Tour with special guests Yelawolf (USA) + Pez July 2013
Tickets for General public on sale from 9am local time, Friday 24 May
Thu 4 July Sydney | Enmore Theatre All Ages. Tickets
Sat 6 July Melbourne | Festival Hall All Ages. Tickets
Wed 10 July Perth | Metro City 18+. Tickets
Fri 12 July Brisbane | Eatons Hill Hotel All Ages. Tickets
Sat 13 July Adelaide | Entertainment Centre Theatre All Ages. Tickets
Sun 14 July Darwin | Discovery 18+. Tickets


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Detecting oil spills with satellite
How to discern between a slick of oil pollution and harmless layer of microorganisms from an algal bloom? Bombard it with a radar from a satellite!
Denne artikkelen er over ti år gammel og kan inneholde utdatert informasjon.
If you want to identify oil spills immediately you need to monitor enormous areas 24-7. The best view is from up in space.
Earth observation satellites such as TerraSAR-X og Radarsat-2 fire pulses of radar at the sea. These pulses are reflected back up to the satellite as echoes.
Oil on a rough sea
The amount of echo that returns tells a lot about the ocean surface. Small waves deflect radar pulses in all directions, including back at the satellite. With radar vision, this makes the sea look bright.
Oil spills cushion small waves. There’s even an expression for calming a situation down: “Pouring oil on troubled waters”.
The diffusion of the echo is narrower when the sea is calmer, making the surface of the sea act more like a mirror. Most of the radar waves bounce one way, away from the satellite. With radar vision the echo from a calm sea appears darker.
“This picture from Radarsat-2 was taken from an orbit 800 kilometres up. It shows three dark spots but only the lower one is a genuine crude oil slick,” says Stine Skrunes.
She’s working on her doctorate at the University of Tromsø’s Department of Physics and Technology. Her thesis is in methods of distinguishing among oil slicks and more innocent dark patches on the radar image.
“At the picture we see one slick of plant oil and another of an emulsion, which is a mixture of water and crude oil,” she explains.
Algae often make slicks like that on the picture, which can be mistaken for real oil spills. Local areas where waves are smaller than in the surrounding sea can also cause a false alarm.
Skrunes works on developing a new method for distinguishing between calms caused by algal blooms and calms designating oil pollution. This requires a study of more than the strength of the radar echo. She also has to look at which direction the radar beams in the echo turn, due to polarisation.
“Radar beams are electromagnetic like light − they’re just on different wavelengths. The polarisation can change when they are reflected,” she says.
One might recognise this phenomenon from skiing in the mountains at Easter. The glare is partly blocked by Polaroid sun glasses.
What happens is that the sea and the snow reflect back light waves which oscillate horizontally. Polarised lenses block the horizontal light waves in the reflection, just letting the vertical ones through.
Radar reflections can also change the direction of their oscillations, or polarise. The echo of common oil spills and films created by algal blooms will yield different polarisations.
“I compare the polarisation of the radar pulse that is beamed down and the echo that returns,” explains Skrunes. She shows us a picture in which light of only one polarized direction slips through.
“In this picture we clearly see that plant oil sends a stronger reflection, whereas crude oil looks darker.”
The three patches of different oil types in the picture were released from a boat intentionally.
“The Norwegian Clean Seas Association for Operating Companies (NOFO) runs an annual oil spill drill in the North Sea, where equipment and routines are tested. I participated in this exercise, when large but controlled amounts of each type of oil were released,” says the researcher.
Aerial photos can help in the interpretation of satellite images. One thing is they enable us to see areas of varying thickness.
“One of the factors making it feasible to distinguish between mineral oils and biological films is the large disparity in their thickness.”
Films made by algae and other biological sources are really thin, only about 2.5 nanometres. Petroleum slicks can be several millimetres thick, sometimes close to a centimetre.
“In June I’ll get a chance to study oil slicks from sea level, and I’ll be measuring their thickness and take photos of them.”
The more detailed the surface data, the better the interpretations of the satellite imagery. The researchers will be able to relate the images to the types of films and to characteristics such as thickness distribution.
“The ability to extract such information from satellite pictures will be really beneficial, especially in clean-ups after oil spills,” concludes Skrunes.
Translated by: Glenn Ostling


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By Henry Purcell
Performed in English
Musical Direction by Christopher Zemliauskas
Directed by Norm Johnson
Dido, fierce Queen of Carthage, falls in love with a Trojan Price, Aeneas. While their love may be mutual, the fate of their romance is out of their control when a Sorceress plots the destruction of Carthage. Forced apart by trickery, evil and sorcery, the lovers are faced with a brewing storm and potential disaster. Based on Book IV of Virgil’s Aeneid, Dido and Aeneas is Henry Purcell’s one true opera and his only all-sung dramatic work.


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We women of the South, chosen by regional meetings of the Women to Women Linking Project in Africa, Latin America, South-East Asia, South Asia, and the Middle East to participate in the Global Meeting of Women Linking for Change, held in Bangkok from 20-23 February 1994 are concerned that there is an increasing concentration of power in the North, resulting in the feminisation of poverty all over the globe. With the sharp rise of fundamentalism and domestic and communal violence, there is devaluation of human life, respect, and dignity. These processes are making women more powerless and our struggles for survival are becoming more difficult.
This article is hosted by our co-publisher Taylor & Francis. For the full table of contents for this and previous issues of this journal, please visit the Gender and Development website.
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Author(s)/Editor(s). (Year of publication). Title and sub-title. Place of publication: name of publisher. DOI (where available). URL
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I ordered from Rugs USA and came sooner than expected! The rug looks awesome too in our office.
This rug is beautiful! It came quickly and is truly nicer looking in person than I could have imagined! A great buy!
Rug is soft and gorgeous. We used an upholstery protector on it and the rug held up well.
Very happy with this rug! Looks perfect layered over my larger ivory rug. Exceptional quality!
No problems buying/getting the rug. Looks like the pictures online. Fits really well on our outdoor balcony.
Texture is great. Love the chunky knit - cozied my daughter's bedroom right up.
This is a very nice looking jute rug, I own 4 different ones now. The pattern is nice and it’s soft on bare feet.
This rug was perfect for accomplishing our layering goal in the living room. Stunning design and quality.
We purchased this rug for our daughter's nursery and love it-especially for the price! It's really soft and almost reads as a neutral/texture in the room (the pattern isn't overwhelming). Other reviews say it moves around too much on hardwood and tile, but we have it on carpet so it isn't an issue.
Beautiful braided rug. It is already padded underneath so no need for an extra pad!
This rug is perfect for what I was looking for- a long enough enough runner (2 x 12) to cover the whole hallway. It does shed a bit at first and will take a few days to flatten out, but it's very soft for a jute and the natural color pattern makes it a great choice for a high traffic area.
A nice subtle rug that really softens the room. Very soft on the feet. I love it!

domain: design


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Often on Amazon you find some VERY interesting products.
Today I was reading through a report and I stumbled upon the Super Pet Hamster Potty.
Naturally I clicked to see what it was.
The feedback is surprisingly good- having never been a hamster owner myself I have no frame of reference as to whether or not a hamster would use such a product. ( I would LOVE to know if someone has successfully used THIS though.)
So I glanced up at the price- on sale for $6.99- regularly $799- thus making it 99% off! ( I assume this is supposed to be $7.99 but you know what assuming does!)
Have any of you tried the hamster potter? Is it worth $799?

domain: hobby


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Does your family love pizza as much as mine? You will love this easy recipe for Pizza Skillet Bake that I altered from Gooseberry Patch’s Everyday Simple Suppers!
I have loved pizza in all kinds of forms for as long as I can remember. I can still remember the smells of my mom and dad making their famous deep dish pizza with “mangos” on it (our southern Indiana way of saying green bell peppers).
When I spent several weeks in the hospital as a child, a family friend offered to throw me a party when I got out– any kind of party I wanted. I chose a pizza party with all fixin’s.
Fast forward to my teen years. My future college roommate and I would go to the local pizza place and get our favorite large mushroom and cheese to share every chance we could.
In college, my future husband and I would share a late night pie from the local pub as a regular date.
Needless to say, it doesn’t take much for me to stop and take notice of a pizza recipe 😉 And let me tell you, I am in LOVE with this recipe.
You cook everything up in a skillet, top with some biscuits and cheese and bake that baby up.
This recipe is so simple and is sooo going on our regular menu.
I also used my very favorite Red Gold Tomatoes that are already seasoned with Basil, Garlic and Oregano. If you have not tried them, you simply must. I have never tasted a better canned tomato for Italian dishes. Such complex flavor–so good!
Using the biscuits was brilliant! So easy and far less messy than regular crust.
However, if you are a crust stickler your could always make your dough and drop spoonfuls of it over the top instead of the biscuits…
I on the other-hand very much enjoyed the ease and flavor of using the biscuits. I can’t wait for you to try this recipe. It is one of our new favorites.
Pizza Skillet Bake
- 1 lb Turkey Sausage Crumbles
- 1/2 Cup Onion-Chopped
- 1/4 Cup Green Bell Pepper- Chopped
- 2 T All Purpose Flour
- 15 oz Can Red Gold Diced Tomatoes with Basil Garlic & Oregano
- 4 oz Mushrooms- Drained
- 10 oz Tube Reduced Fat Biscuits- Quartered
- 2 Cups Shredded 2% Mozzarella
- Heat sausage, onion and peppers in oven-proof skillet until veggies are tender.
- Drain if necessary.
- Sprinkle with flour and add tomatoes (with juices) and mushrooms.
- Arrange biscuit pieces over mixture and top with cheese.
- Bake uncovered at 400 for 12-15 minutes. (Broil for a minute at the end to turn cheese golden if desired).
Affiliate Links were used in this post.
Linking up to Weekend Potluck! Head on over there to check out all the yumminess!

domain: food


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Important change: Southwest Airlines has established their “No Show Policy” for Wanna Get Away fares booked on or after Friday, May 10, 2013, for travel on or after Friday, September 13, 2013.
If you booked a Wanna Get Away fare anywhere in your itinerary, and that portion of the flight is not used and not canceled at least ten minutes prior to scheduled departure, all funds on the unused portion of the reservation will be lost, and the remaining itinerary will be canceled by Southwest.
The new policy applies to Wanna Get Away reservations, which encompass all nonrefundable fares, excluding military fares, senior fares, or travel during certain irregular operations, including severe weather conditions. Rapid Rewards points, Companion travel, and Reward seats are not impacted by this policy.
If you simply want to cancel a Wanna Get Away prior to scheduled departure, you may reuse your funds toward future travel on Southwest, without a change fee, as you have always done. If you are traveling on a fully refundable itinerary (Business Select and Anytime) that does not contain a Wanna Get Away, you will continue to have the option of either requesting a refund or holding funds for future travel.
For more information, please contact a Cadence Business Travel Specialist.

domain: travel


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What Credit Score Do Banks Want?
When it comes to borrowing money from a bank or any financial institution, your credit score plays a crucial role in determining your eligibility and the terms of the loan. Banks use credit scores to assess the risk associated with lending money to individuals and businesses. A credit score is a three-digit number that represents an individual’s creditworthiness based on their credit history. The higher the credit score, the better the chances of getting approved for a loan and securing favorable interest rates.
Understanding Credit Scores:
Credit scores are calculated using various factors, including payment history, credit utilization, length of credit history, types of credit, and recent credit inquiries. The most commonly used credit scoring models are FICO and VantageScore. FICO scores range from 300 to 850, while VantageScore ranges from 501 to 990. Both models consider similar factors but may weigh them differently.
What Credit Score Do Banks Want?
While each bank may have its own specific criteria, most lenders generally follow a similar range for credit scores. The specific credit score requirement may vary depending on the type of loan and the lender’s risk tolerance. However, here are some general guidelines:
1. Excellent Credit: A credit score of 750 or above is considered excellent. Individuals with excellent credit scores have a high likelihood of getting approved for loans and enjoy the most favorable interest rates and terms.
2. Good Credit: A credit score between 700 and 749 is considered good. Borrowers with good credit scores are still likely to get approved for loans, although the interest rates and terms may not be as favorable as those with excellent credit scores.
3. Fair Credit: A credit score between 650 and 699 is considered fair. Individuals with fair credit may face some challenges in getting approved for loans, and if approved, they might have higher interest rates and stricter terms.
4. Poor Credit: A credit score below 650 is considered poor. Borrowers with poor credit scores may find it difficult to get approved for loans from traditional banks. They may need to explore alternative lending options or work on improving their credit scores before reapplying.
1. Can I get a loan with a bad credit score?
While it may be challenging to get approved for a loan with a bad credit score, there are lenders who specialize in lending to individuals with poor credit. These lenders may charge higher interest rates and impose stricter terms, so it’s essential to compare options and ensure you can comfortably repay the loan.
2. Can I improve my credit score?
Yes, it is possible to improve your credit score over time. By making timely payments, reducing debt, keeping credit utilization low, and avoiding unnecessary credit inquiries, you can gradually improve your creditworthiness.
3. How long does it take to build a good credit score?
Building a good credit score takes time and consistent financial behavior. It may take several months or even years to establish a long and positive credit history. The key is to maintain responsible credit habits and avoid negative marks on your credit report.
4. Do banks only consider credit scores?
While credit scores are an essential factor, banks also consider other aspects of an individual’s financial situation, such as income, employment history, and existing debts. These factors help banks assess an individual’s ability to repay the loan.
In conclusion, credit scores play a vital role in determining loan eligibility and terms. While the specific credit score requirements may vary among banks and loan types, having a higher credit score generally improves your chances of getting approved for loans and securing favorable interest rates. It’s important to regularly monitor your credit score, maintain responsible credit habits, and work towards improving your creditworthiness over time.

domain: finance


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Gonzaga’s campus is starting to see more action for the spring 2021 semester, but the university’s global campuses are becoming ghost towns as COVID-19 brings abroad studies to a temporary stop.
In-person access to abroad campuses are closed for the time being, but the Center for Global Engagement is still making efforts to have limited study abroad courses available to students for the summer 2021 semester.
Alisha Lombardi, interim director at the Center for Global Engagement, said that the health and safety of GU students is the No. 1 priority, and at times like these it’s been difficult to provide students with the full experience being that there are travel restrictions in places where GU has campuses.
“Faculty in Florence have been giving access to parts of the city that students and tourists would never see,” Lombardi said.
GU in Florence is trying to run as many virtual opportunities for students as they can. Although students can’t physically go to other countries to complete their semesters but there is no worry about GU maintaining its reputation as a global campus.
“The applications for study abroad in the fall 2021 semester are moving forward and applications are open on our website, with Gonzaga in Florence closing Jan. 22 and most others closing March 1,” said Study Abroad Advisor Erin Schultheis.
Even though COVID-19 has paused programs for now, Schultheis doesn’t foresee it greatly affecting the number of study abroad program involvement in the future.
The study abroad offices across the world are seeing a shift in numbers but at some point in the foreseeable future, participation could pick up again.
“Gonzaga has a strong history of 50% or more of students who participate in a study abroad experience and we hope that number will be similar once the program resumes," Schultheis said. "There’s a possibility that we’ll see a short-term drop in participation due to challenges COVID-19 has brought, but once infection rates decline globally we expect a rebound."
Connor Nordell, a sophomore at GU, was ready to go abroad this semester until study abroad programs got canceled in November.
“I am bummed about not being able to go abroad but looking at the big picture I am thankful I can still get an education and live on campus,” Nordell said. “I can't study abroad a different semester because of my major, but I know Gonzaga is doing what they can.”
Nordell is one of many GU students who had a small window of opportunity to go abroad but has had to readjust their plans because of the pandemic.
Not all Zags are going to get the opportunity to experience the global campuses that GU partners with because the course work they need for their majors doesn’t allow them to do so later on.
GU and its partnering campuses are aware that the abroad experience is a big part of the Zag experience and they’re eager to give that opportunity back to students.
“As soon as it’s safe to do, we look forward to sending and receiving abroad students," Schultheis said. "We appreciate the tremendous resiliency and flexibility of students when it comes to the cancellation of fall 2020 and spring 2021 study abroad plans."
For any other questions, comments or concerns, Schultheis can be reached at this email: email@example.com.


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Lexmark International, Inc. (NYSE: LXK) and Kofax Limited (NASDAQ and LSE: KFX) today announced that the two companies have entered into a merger agreement in which Lexmark will acquire Kofax. Under the terms of the merger agreement, Lexmark will acquire all of the outstanding shares of Kofax for $11.00 per share in cash for a total enterprise value of approximately […] Read More
Suspended from the 90-foot atrium ceiling in the new Perceptive Software building in Lenexa, Kansas, is a one-of-a-kind large sculpture. It was designed to echo the Perceptive Software story in a visual, abstract way, taking unstructured content and data, and turning it into something more structured and manageable.
Lexmark will be in attendance at the National Retail Federation’s (NRF) annual Convention and Expo in New York City this week. The team will be in booth 4028, showcasing retail specific solutions to enable retailers to make their business run better so they can focus on what they do best: retailing.
Receivables automation combats the hassles of getting paid, puts cash in hands and creates new opportunities Without having to focus time and attention on manually reconciling remittance data with incoming payments, accounts receivable (AR) departments would be well-situated to engage in more strategic, forward-looking activities. These departments could put monies to better use, build the groundwork for market share and […] Read More


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The basics of online slot machines
You have probably tried the autoplay feature if you like playing online slot machines. This feature allows you to spin the reels automatically without manually spinning them. Autoplay is very popular because it lets you place bets on as many paylines you wish. You can increase your odds of win bruno casinoning by having a substantial amount of money. However, the downside of autoplay is that it could end your session faster.
Before the introduction of online slot machines players had to pick the coin size and paylines. This meant you had to choose the amount of coins you would like to bet on each payline. Nowadays, most online slots have several paylines, but you can also find games that have more than 1000 ways to win. Certain games have win lines that move in a zigzag fashion or form a ‘V shape. The game you play depends on how you can win by hitting any combination of winning payline.
Despite their popularity, online slots are still considered illegal in certain jurisdictions. You might not be able to play a slot machine located in Nevada for instance. To avoid the issue of fraud, only play games with an established reputation. It is recommended to only play online slot machines that are licensed by your state. It is safer to play in a country that allows gambling.
When playing online slot machines, you need be aware of the rules of the game. There are a variety of differences between different kinds of slot machines. Some of them are tied to progressive jackpots and offer greater payouts. Some come with features that increase your chances of winning by increasing your bets. For this reason, you must read the rules carefully. The odds of winning are better when playing video slots than those on reel machines. You should also be cautious when betting online, because they are risky.
Most of the time, online slot machines have paylines that have different payout amounts. It is recommended to activate as many paylines as possible. Then, you should place an initial bet of 0.50c per line. This is because a bet of zero will have no impact on your chances of winning. When choosing an online casino, it is important to take into consideration the payout percentage for each slot. If the payout percentage is high, you’ll probably win more often.
Fairness is the most crucial rule to follow when playing slots. You can alter the coin value to increase the amount of money you win if it’s too low. Alternately, you can alter your coins in the machine. It is crucial to be aware of the terms and conditions associated with the game. Certain slots provide multipliers or free spins whereas others have only one payline. If you have any questions you can get in touch with the company.
Online slot machines offer the best advantage you can enjoy: no need to be concerned about other people or noise. You can play your favorite games and not be bothered by the noise of others. There are no disturbances or noises coming from people who don’t know anything about slot machines. The greatest thing about this is that you can play any kind of slot machine you want regardless of whether it’s traditional or progressive. The benefit is that you can play your favourite games without having to travel to the casino.
Most online slot machines feature multiple paylines, however the payout percentage of these games can differ from one game to the next. Some games have multiple paylines, while others provide one. It is difficult to determine what type of game is suitable for you. You need to be aware of the amount you’re willing to put into. If you’re a beginner or don’t have enough to gamble, you might be better off playing an easier slot machine game.
The popularity of online slots implies that it is easy to copy other games. Certain slots have been copied several times over the years while others are more recent. The best method to avoid this is to play only those that are new to 777 casino you. There aren’t any bad games but there are plenty of variations. It is likely that you will discover a game that you love. Remember, the more you play, the are more likely to win!


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We frequently enjoy oatmeal for breakfast at our house. As much as I love how nutritious, filling and cost-effective it is, there is no way I really want a bowl of hot oatmeal in the summer. So I’ve started making these overnight oatmeal bowls. My kids wake up hungry so I love recipes I can make the night before and have ready for the morning.
2 cups oatmeal
2 cups milk (I use whole milk)
1 cup plain yogurt
2 Tablespoons chia seeds
1 teaspoon cinnamon
2 cups frozen blueberries
Maple syrup or honey (to taste)
You can make individual bowls but I simply add everything to one large container and let it soak overnight. So tasty!


Moscow stresses nuclear cooperation with Iran: Russian FM
IRNA - Islamic Republic News Agency
Moscow, June 24, IRNA
Russian Foreign Minister Sergei Lavrov said here Friday his country's nuclear cooperation with Iran is fully transparent and within the framework of international regulations.
Lavrov, in an interview with the Russian newspaper `Trud', said Russia's peaceful nuclear cooperation with Iran has no secret point.
Russia's cooperation with Iran is based on fulfillment of the international commitments by the two sides under the supervision of the International Atomic Energy Agency (IAEA), he added.
Russia believes that Iran, as an IAEA member state and a signatory to the Non-Proliferation Treaty, has right to expand its atomic energy for peaceful purposes.
He reiterated that his country has enjoyed cooperation with Iran on peaceful nuclear program during the recent years adding that Russia participated in construction of a nuclear power plant in Iran under condition of mandatory return of used nuclear fuel to Russia.
The minister stressed that Russia adopts its policy on peaceful nuclear cooperation with Tehran on the basis of bilateral agreements and with regard to decisions made by the IAEA, the United Nations and other international organizations.
Lavrov said Russia and the EU troika, enjoying common interest and goal, seek diplomatic solution to Iran's atomic case.
Referring to Iran's agreement with the EU troika on suspension of uranium enrichment program and close cooperation with the IAEA, he said the agreement was reinforced in the Board of Governors.
He voiced his country's support for the agreement and said Russia will make separate contacts with troika and Iran on the issue.
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The National Visual Arts Gallery was established in 1958 by the first Prime Minister, Tunku Abdul Rahman, and is host to a wide range of Malaysian art, with exhibitions and activities lined up throughout the year that make it a deserving destination for those keen on seeing the more artistic side of Malaysia.
Located in the northern state of Perak, the D’Comas Art Gallery specializes in copper wall art framing, oil paintings, as well as other more conventional art mediums. They showcase a variety of work from Malaysian as well as Asian artists.
Vincent’s Art Gallery & Frames is an art frames shop that also doubles as an art gallery, dedicated to showcasing the best that Malaysian and Asian artists have to offer. Whether it’s assistance with hanging your art pieces, placing them in frames of suitable quality, or restoration work, you’ll not be at a loss for things to do at this gallery.
Committed to building artistic community and international exchange through discussion, documentation, engagement, and promotion of cross-cultural art discourse, Shalini Ganendra Fine Art works regularly with artists from Malaysia and Sri Lanka, as well as South East Asia in general.
Opening Hours: 11:00AM – 7:00PM, Tuesday to Saturday
A three-storey heritage building, Alyssa Galeri is an art gallery with a history behind it. Specializing in contemporary and modern Asian art, it represents artists from Malaysia to as far as the Philippines and Indonesia. Aside from fine art and contemporary art, its collection is also home to sculptures and photography.
With a focus on contemporary art, Wei-Ling Gallery has nothing but the brightest and freshest artistic talent that Malaysia has to offer this side of the century.
An emerging chain of art galleries based in Kuala Lumpur, Art Square Gallery aims to make contemporary Malaysian art more visible by bringing affordable works to the public. Its flagship gallery offers a wide range of art from a variety of styles such as abstract, realism, surrealism, and so on.
Chinese-themed paintings and landscapes are the order of the day here. Located in the heart of Penang, Lekuan Art Gallery carries watercolours by Penang artists, with their oil paintings sourced from China; they also offer framing services for those who need them.


The Bill on House and Land Tax was discussed by National Assembly (NA) deputies November 22, with many saying now is not the right time for homeowners to start paying tax on their property.
Deputy Nguyen Thi My Huong speaks at the ongoing NA session on November 22 in Hanoi, where a bill on house and land tax was discussed. (Photo: SGGP)
“People work a long time to purchase a house and they are already subject to personal income tax,” said Nguyen Thi Nguyet Huong of Hanoi. “Therefore, making them pay tax on their home is like charging them twice.”
Pointing out that a house tax would affect millions of families, Ms. Huong said: “Currently, one-third of civil servants have yet to own a home and their income is still low. I suggest that house taxation not be applied now. If the tax is to be applied in the future, it must be carried out according to a specific plan.”
“Based on the economy and the country’s income per capita, now is not the right time for house taxation. We should put it off for some time, even up to 10 years,” said Tran Du Lich of Ho Chi Minh City.
“It should be carried out in a manner similar to that of personal income tax, which was first applicable on only high-income earners and later on all people who earn a taxable income,” he said.
Mr. Lich also warned that a house tax might inflate the housing bubble, since market prices of houses and land have increased far beyond their actual values.
Discussing land taxation, many deputies said the bill should clarify who is eligible for a reduction or exemption of land tax, to avoid losses to the State budget revenue.
Tran Viet Hung of Hoa Binh Province said: “As for land left unused, land owners should be subject to a tax rate of 1.5-2 percent, or higher, of the value of land.”
NA deputy chairman Nguyen Duc Kien asked the bill’s drafters to specifically identify who will pay land taxes when land is leased or assigned for use without charge, or used for building apartment blocks or industrial parks.
Most legislators concluded that house and land taxation would affect a large part of the population, so the matter should be reconsidered carefully before a law is promulgated.


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This is an updated posts the original post can be found here.
On our path to developing a strong financial foundation, it is important to keep increasing our financial literacy and knowledge. One way to do that is to read literature from different financial experts, via blog posts, articles, and books. While telling people about my blog posts and my passion to educate others in personal finance the author of today’s source material kept coming up. After, the third time, I took the hint and decided to look into his work and read one of his books.
The author is non-other than Dave Ramsey, a financial maestro, whose approach differs because of its practicality and simplicity. Ramsey offers no quick fix but requires a commitment from participants of his, Total Money Makeover, (the same name as his book) which promises financial independence when carried out to the T. Dave is a no non-sense, no fluff author who is an unapologetic Christian and its depicted in his writing. Christian or not, I recommend a quick read through his, Total Money Makeover, for its valuable information and encouragement. The book is filled with testimonials from practitioners from all different lifestyles and careers who used the seven-step system themselves. I personally, skipped over most testimonials because I wanted to finish the book and start applying the steps to my own life. In this blog post, I will layout the seven-step system (summarized, shorten form, not really giving the complete details and recommend reading the book yourself) and give my opinions on some steps.
The Total Money Makeover Steps
(Prior to step one Ramsey mentions the importance of getting all bills current and to setup a budget.)
Step 1) Save $1,000 Fast: The first step is to set up an emergency fund. This 1,000 is for those unexpected events such as car problems, medical bills, job loss, home repair etc. that requires preparation. This $1k is not a lot but it deters us from going for those credit cards once a problem arrives. Ramsey wants readers to do whatever it takes legally to get that $1k as soon as possible. For example, work overtime, get a second job, sale possessions and get the creative juices flowing.
Step 2) The Debt Snowball: This technique utilizes (according to Ramsey) your most powerful wealth-building tool, your income. Imagine how much money you would have if you have no debt payments. To utilize the debt snowball technique: first list your debts from smallest to largest, next put any extra income to pay off the smallest debt while you pay the minimum due on the rest. Once the first one is paid off, take the money you used to pay it off and use it on the next debt until that is paid off. Repeat the snowball until you are debt free. Here is a link to the worksheet with instructions here. I had an issue with this step at first because he mentioned not contributing to your 401(k) and using that money to pay off the debt. I objected because the company match is free money and you'll miss out on the compound interest. However, I see losing compound interest as a motivator to get us to hurry up and pay off the debt so we can start accumulating it again.
Step 3) Finish the Emergency Fund: You are now debt free except for your mortgage and are ready to stuff that emergency fund. A full-grown emergency fund (E-fund) is three to six months of salary. How many months you save depends on your personal situation and how much padding you need in case of job loss/income. Ramsey defines an emergency as, “things you had no way of knowing was coming…[it] has a major impact on you and your family if you don’t cover it”(Ramsey 136). For example, the deductible on medical, homeowner, car insurance after an accident and a job loss are emergencies. Emergencies are NOT, something on sale, fixing the boat (unless its home), I want to start my own business, college tuition and vacations (Ramsey 136). Your budget should have room for those items. Lastly, the E-fund should be easy to access with no penalties; Ramsey suggests Money Market accounts with no penalties and full check-writing privileges.
Step 4) Maximize Retirement Investing: Now you are debt free except the mortgage, you have a fully funded emergency fund and you are ready to set yourself up for retirement. Ramsey promotes investing 15% of your income in retirement. Do not do more than 15% because you need other funds for the next steps in the plan. Whatever percent your employer matches in the 401(k) max it and deduct it from the 15%. For example, if your employer matches 6% match it and take the remaining 9% to invest yourself. Ramsey advocates splitting your investment into four types of growth stock mutual funds. In his plan, 25% would go to growth and income funds (aka Large Cap and Blue Chips), 25% to growth funds (aka Mid Cap, Equity Funds or S&P Index Funds), 25% international funds (aka Foreign or Oversea funds) and 25% to aggressive growth (aka Small Cap or Emerging Market Funds). I suggest meeting with a financial expert and discussing how you want to diversify.
Step 5) College Funding: In this chapter, Ramsey expressed the importance that college does not ensure success and that it only teaches knowledge. I really liked that point because it is a myth that needs to be debunked. Ramsey rules for college are, first pay cash, second if you have the cash or scholarships go and lastly student loans are a cancer you cannot get rid of. Ramsey advocates the use of Educational Savings Accounts (ESAs aka Educational IRAs) funded in a growth stock mutual fund. They grow tax-free. Use ESAs only if you start it fully funded and your child is under eight years old. For children over eight, Ramsey recommends 529 Flexible plans (Flexible Only). The 529 Flexible plans are for those whose income disqualifies them from ESAs and if your child has extra schooling in their future like medical school.
Step 6) Pay off the Mortgage (This chapter was very information rich and requires personal study): By this step, you are debt free except your mortgage, have a fully loaded E-fund, got a retirement plan working for you and you are saving for the kids’ college. Now you are ready to pay off the mortgage. Ramsey advocates, 15 year, mortgages because you will pay less interest over time and it will keep you motivated. Ramsey mentioned, that people who take out 30 year mortgages and tell themselves they will pay it off early rarely do. The 15 year mortgage on the other hand will get paid off because you are motivated to do whatever it takes to make that mortgage payment. In addition, Ramsey recommends never having a payment over 25% of your take home pay.
Step 7) Build Wealth Like Crazy: You made it to the final step. You are debt free, have a fully funded E-fund, retirement is set, kids college is set, and you own your home. Now is the time to use that money of yours to build wealth. It is time for your money to make money, even when you are not working, even while you are sleeping. Ramsey recommends, putting together a wealth building team of experts (you can afford it) but making the final decisions yourself. No one cares more about your wealth than you do. This team of experts should include an estate-planning attorney, a CPA or tax expert, insurance pro, an investment pro and a good realtor. In addition, he recommends the use of simple mutual funds and debt-free real estate. I recommend studying millionaires for ideas of how they accumulate wealth and have their money work hard for them so you can to emulate them.
As you can see, these concepts are nothing new and have been around for years. Ramsey offers no get rich quick or easy way out. His plan requires work, grit, discipline and communication with your spouse and children. They need to know your financial goals and understand the sacrifices the family has to make in order to obtain them. Family sacrifices such as, longer nights at work due to overtime, second jobs, each spouse working if possible, living on a budget, staycations, and not caring about keeping up with the Jones. Personally, I like the practicality of Ramsey’s approach. After reading his book, I committed to the, Total Money Makeover, and started driving for Lyft for a short period as a way to make extra money to get the snowball rolling. As a result, I was able to pay off one of my student loan that was close to being paid in full. Next, I will take the amount I paid on that loan and divert it to the second loan on the hierarchy. I recommend Ramsey’s book for a concrete plan, inspiration, and to increase your financial literacy. I want to highlight the importance of a balanced life. Having a plan and seeing it work for you is great, but I advise you to make time for the important things in life.
If you're ready to take your personal power over your money sign up for one on one coaching by clicking the Action Plans tab at the top of this page. If you found this post helpful please subscribe and share it with your friends on social media. Click the social media links up top to check out our other platforms.
Reference and Useful Tools
Ramsey, Dave. The Total Money Makeover: A Proven Plan for Financial Fitness, Classic Edition. Nelson Books, 2003


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The popular annual street festival in the South Robertson community, sponsored by The South Robertson Neighborhoods Council.
Proceeds from the SoRo Festival will benefit the SORO Community Foundation (SoRo, Inc), a 501c3 that supports local schools and neighborhood improvement projects- building pride in the South Robertson community and bringing attention to a quality neighborhood full of culture and diversity.
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ETF of ETFs
ART of ETF of ETFs is an actively managed and publicly traded fund.
We seek long-term growth in capital by investing in a selected range of ETFs
ART of ETF of ETFs
Offers a one-stop exposure seeking to implement a growth strategy by investing in 5 of the ARK Invest’s actively managed ETFs and 5-10 other handpicked ETFs to effectively function as one single portfolio.
All 5 of the ARK Invest actively managed ETFs are under the tickers ARKK, ARKQ, ARKW, ARKF and ARKG, aiming to invest in disruptive innovations.
The 5-10 highlighted ETFs represent 5-10 different industries that are expected to have growth potential in the future.
Given its growth focus, this portfolio of ETFs is skewed towards equities, making it potentially appropriate for those with a higher risk tolerance and longer time horizon.
5-10 Highly Potential ETFs from different industries
AND 10 OTHER ETFs
ASSET CLASS SIZE
ASSET CLASS STYLE
Emerging & Developed Market
FUNDS MANAGEMENT METHODOLOGY
Long ETFs Strategy
Designed to generate absolute return utilizing:
Quantitative analytical modeling is used in the ETFs research process. Hedging tools might be used in the strategy.
Typically, fewer than 15 holdings.
Cyclical Macroeconomic Trend
Active Equity Fund
Target to be listed
In 12 Months
Targeted Dividend Yield
Typical # of Holdings
Targeted Portfolio Growth
DSS Securities Inc.


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A perfect set of white teeth is an important part of any makeover and can change the look of any person. A white, flawless set of teeth flashed when you smile, makes a great impression not just socially, but also improves your self-confidence and image.
Dr Viraj Kakade, dentist, says, “While home remedies, toothpastes and other dental products promise to brighten smiles, the process can be tedious and time consuming. There are simple and safe procedures available today, which offer teeth whitening in quick time and are used frequently by well-groomed men and women and celebrities all around the world.”
People believe that teeth-whitening damages the enamel, but that is not entirely true say experts. Dental surgeon Dr Ather Wani says, “The bleaching material used these days is mild, so it does not cause any significant damage to the enamel.” While teeth whitening procedure is one of the most popular cosmetic treatments in the city, there are various myths surrounding it. Here are a few listed out by dental surgeons… Myth 1: Makes your teeth sensitive
During the process of bleaching, the teeth may become temporarily sensitive for a few patients who already have a history of sensitive teeth. However, dentists have different gels that prevent the sensitivity during and after the treatment.
Sometimes some amount of sensitivity can occur, but the magnitude of this varies from person to person. However, it just lasts for 24 to 48 hours. Also, the dentist will prescribe a desensitising gel or mouthwash which will take care of it.
After the procedure, you must follow the instructions that your dentist lists out for you. Do not take them for granted, because in the long run it may turn out to be detrimental to your dental health. Myth 2: Harms the enamel
Teeth whitening treatments are absolutely safe and do not harm the tooth enamel unless the wrong proportions are used during the treatment.
Dr Kakade says, “Scientific studies have shown that using peroxide to whiten teeth is both very effective and safe. The dental industry has used it for over 20 years during which many advancements have taken place, making the bleaching gel absolutely safe in terms of change or damage to the structure of teeth; it merely makes teeth whiter and brighter.” Teeth whitening facilities these days use US FDA regulated gels which assure customers of complete safety as it goes through rigorous testing procedures. Myth 3: It is painful
Teeth whitening treatments are safe and painless. However, the bleaching agent may cause discomfort if it touches the gums. To avoid this the dentist applies a gel between the gums and teeth called gingival barrier which will prevent the solution from touching the gums. In exceptional cases some customers may experience a minor ache in the first 10-12 hours following the treatment. Taking an over-the-counter pain medication can help resolve this discomfort. Myth 4: To obtain satisfactory results, you have to visit a dentist
This was in the past. Today, one can obtain a teeth whitening treatment without too much of a hassle at a convenient local teeth whitening facility or dentist’s clinic. All the therapists are well trained and have thorough knowledge about the science of teeth whitening. The treatments offered in the city are quick and hassle free. Usual teeth whitening treatments offer customers teeth upto eight shades whiter in just 15 mins. Myth 5: It could lead to mouth cancer
This is a myth. There is no scientific proof that teeth whiteners cause cancer.
The effect of whitening will last for lesser time in smokers, betelnut (paan) chewers and those who drink a lot of tea/coffee.
— Dr Ather Wani, Dental Surgeon POINT TO PONDER
The effect of teeth whitening does not last forever. It will last for eight months up to a year and then the teeth will gradually come back to its original shade. DID YOU KNOW?
If a person has caps (crowns) or laminates then those teeth will not get whitened.


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1 pound green beans, trimmed and blanched 2 slices bacon, diced 1 Tablespoon shallots, minced 1/4 cup mushrooms, sliced Salt and freshly ground black pepper
Blanch green beans in boiling water for 3 minutes or until crisp tender. Drain and plunge into ice water to halt cooking process.
Saute bacon in a pan until crisp. Remove from pan and drain on paper towels.
In same pan, saute shallots in bacon fat. Add mushrooms, saute for 2 minutes, then add green beans. Saute for 3 minutes. Toss with reserved bacon. Adjust seasonings to taste with salt and freshly ground black pepper.


Take Your Music Anywhere With The Samson Expedition Express+ Bluetooth Speaker
Don't be fooled by its modest size; the Expedition Express+ packs more than enough power to entertain small, medium and large groups of up to 100 people. This lightweight, rechargeable speaker system weighs just under 12 pounds and delivers rich, full sound through its 6" woofer and 1" tweeter. Wirelessly stream music from any Bluetooth device for up to 20 hours on a single charge. Plus, it comes with a wired handheld microphone and cable to add your voice to the mix.
Built on Samson's legacy of designing large PA speakers for live music, the Expedition Express+ delivers rich, dynamic sound from its tuned, 2-way speaker enclosure and advanced 75-watt power amplifier.
A 3-channel mixer offers inputs for microphones, line level instruments and more, which is perfect for mobile cocktail gigs or jamming in the backyard. The mixer also includes a USB wireless port to integrate a Samson XPD Series USB Digital Wireless Systems (sold separately) and enjoy the benefits of a complete wireless audio solution to host your event or for the ultimate karaoke experience.
Ready To Go
A rugged polypropylene enclosure and top carry handle guarantee the Express+ is ready for any adventure. For events where you need to project your sound, the Express+ features a 1 3/8" speaker mount for use with any standard speaker stand.
- All-in-one portable speaker system that weighs just under 12lb
- Internal rechargeable battery for up to 20 hours of continuous use
- Class D amplifier produces 75 watts of Peak power
- Bluetooth connectivity to connect wireless music sources
- 3-channel mixer with 2-band (Bass and Treble) EQ
- Independent volume controls on each channel
- XLR-1/4" combo Mic/Line input for microphones and line level devices
- 1/4" Line input for acoustic guitars and other line level devices
- 1/8" (3.5mm) Aux input for stereo line level devices (MP3 players, keyboards, etc.)
- Includes wired handheld dynamic microphone
- 2-way speaker enclosure with 6" woofer and 1" tweeter
- USB wireless port for use with Samson XPD Series USB Digital Wireless Systems (sold separately)
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Model: EXPRESS +
Warranty: See manufacturer website for details
We are Chuck Levin's Washington Music Center
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Contact us if you have questions about one of our listings or if you need help finding the right piece of gear.


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Counselling Adults, Families & Teens
Specialty Areas: Anxiety, Depression, Women’s Issues, Addiction, Stress/Unhappiness, Relationships, Personal Growth, Self-worth
Growing up in Russia and educated in Canada, I have had the pleasure of volunteering at the Immigrant Center where culturally diverse and unique stories have guided me into my counselling work. Initially working with individuals of various physical, psychological, emotional and mental needs, learning about the meaning of life and finding resilience in the most difficult circumstances.
While finishing my graduate degree, my life brought me to the world of addictions treatment and while I loved the work, circumstances pulled me further into the broad mental health generalist role, where I now work for AHS. Over time, trauma work to be my focus and area of curiosity and continuous professional growth. Utilizing body, attachment and EMDR approaches, with various modalities coming before those in my training, my main aspiration is to speak the same language as those I come in contact with. I aim to help tolerate and integrate what is painful in order to learn, heal and possibly even reclaim personal power through this experience.
I feel my role is to help in understanding the unique experience of each person, couple or family unit and from that, new possibilities become available. My hope is that this journey has prepared me to help your unique and specific needs and to embark on the journey of life worth living.

domain: psychology


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10 Selected Songs (High Voice, Book/CD Pack). Composed by Samuel Barber (1910-1981). For High Voice. Vocal. Play Along. Softcover Audio Online. 32 pages. G. Schirmer #ED4399. Published by G. Schirmer (HL.50486751).
ISBN 1423438930. Play Along. 9x12 inches.
with a CD of performances and accompaniments
including the first publication of two early songs
Includes the first ever publication and recording of two early songs: “Mother, I cannot mind my wheel,” and “Hey nonny no!” These songs were chosen as being especially useful for student singers. Also includes the little known “Slumber Song of the Madonna” and “Strings in the earth and the air,” both published in Barber: Ten Early Songs (50482014). The lovely recorded performances will help teachers and students to become familiar with these songs. Other songs: Bessie Bobtail • The Crucifixion • The Daisies • The Secrets of the Old • Sure on this shining night • With rue my heart is laden.


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The Czech glass beads in these earrings are so eye-catching. Everyone will notice them!
Fossil beads from Raven's Journey draw the eye to these earrings with their cool texture and fun color. Cynthia used hibiscus flower beads and Swarovski bicones to complement these unique beauties in her earring projects. Cynthia made these earrings during a Facebook Live Jewelry Design Challenge. You can watch her make these pieces and others here.


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If you want to be able to cover any sudden loss in the future, you should know that you’ll need insurance services. However, that will only happen if you paid for the cost of the insurance service that you need. Having that said, it’s important to keep in mind that having a plan is necessary if you’re planning to avail an insurance service.
When it comes to the fact about insurance services, you should know that its origin dates back to the ancient times of business. With the success that came with insurance services, it’s only natural that it’s one of the biggest and wealthiest entity in the business industry today. With the success of the insurance industry, it’s only natural that they are able to provide a wide variety of insurance policies for different kinds of things. With that said, you’ll want to make sure that the insurance that you’ll be getting will cover what you need for it.
Also, if you’re determined to get an insurance, you have to make sure that it’s worth it. Keep in mind that insurance services can’t prevent you from being injured or losing assets. Most of the time, insurance just about helps you get back on your own feet by compensating you for the damages you’ve incurred in the accident you were involved in. Having that said, you will want to ensure that you have security for your future should the worse come to pass and the time came that you’ll need the funds from the insurance to help you recover from the damages you incurred in an accident.
You also have to know that money is basically the compensation that you’ll receive from the insurance. Another thing that you should know about is that you will need to buy the insurance service in the first place. Buying a certain type of insurance will allow you to be entitled to a certain amount of compensation that you can claim once you are in need of it in the future. Getting a specific insurance for yourself also means that you’ll need to know its coverage in the first place.
In that regards, you’ll want to buy an insurance that’s got greater coverage for certain damages. However, these insurance services have their own prices too. Since it’s unwise to just get all the insurances that are available, you need to plan your decision for this matter in a cost-effective manner.
Keep in mind that when it comes to choosing an insurance to get, you have to weight the future implications of it on yourself. You may think that you don’t need an insurance since you can just have your own savings, but that’s not really how it works and it’s a fact that an insurance is a more secure way of providing you the financial assistance that you need should you get caught in an accident and gotten serious injuries.