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I came across some recent research that clearly links training to an uplift in sales. I was rapt to read this, as I have been (and still am!) a trainer for the last 23 years, focussing on helping retailers to improve their service and increase their sales. Unfortunately some people see training as the silver bullet – it will fix all staff problems. I’m sure most of us know this is not the case, training is always a start and it’s the transfer to the job of the skills learnt and follow up that makes the difference.
So I thought I’d share the exciting data with you. It comes from Wharton University in Pennsylvania who have been studying millions of customer’s responses from satisfaction surveys over the past 10 years. They then focussed on three years of data to find the answer to one key question – “If you found a sales person, were they knowledgeable?”
The study found sales people, who did any training at all averaged 46 percent more sales per hour than those who didn’t train. Taking into account that those who volunteered were more motivated than those who didn’t, researchers found that half of the 46 percent difference was due to the individuals themselves but that the other half was due to training.
Marshall L. Fisher, professor of operations, information and decisions at Wharton, believes such training is under-emphasized by stores because it is costly and hard to measure. He said, “And those benefits are often in the future, whereas the cost is often immediate. If I have more people, my cost of labour increases. Or if I give people a raise and hire better people, my cost of labour increases”
The professor added that training should lead to benefits across a number of service industries and with other tasks. He added, “I think that’s one clear implication: that if you measure the value of investing in your people — in this case, training — it turns out to be much higher than people tend to believe.”
What an exciting result, that reinforces there is tremendous value in training your team. Apart from the increase in sales outlined above, training (if it’s done well and followed up) will ensure your sales people can reach or exceed your expectations. The result of this, I believe, leads to customers experiencing WOW customer service, spending more, becoming more loyal and coming back more often. And that is an awesome result!!
Roger Simpson – CEO, The Retail Solution and Author of “The Retail Solution” With over 35 years’ industry experience, Roger Simpson is recognized as Australia’s #1 Authority on customer ROI in the retail industry and as a global expert on staff coaching, customer service and selling skills.


Women pregnant with baby number two, or more, are at a greater risk of dangerous weight gain compared to first-timers, new research from Deakin University has found.
Professor Helen Skouteris, from Deakin’s School of Psychology and the Centre for Social and Early Emotional Development, said the study showed women who have already had one or more children are entering pregnancy at a significantly higher BMI than first time mums.
“Each successive birth adds an average of one kilogram of postpartum body weight above what would normally be gained with age,” Professor Skouteris said.
“This is most likely because they haven’t lost the weight from their previous pregnancy.
“But we can see that it’s resulting in them having a greater chance of being in an unhealthy weight range during pregnancy, and then finding it even harder to get the weight off when the baby is born.
“Women who gain excessive weight during pregnancy are more than three times as likely to retain weight post-partum compared to those who don’t.
“It’s not rocket science but we still need to talk about it, there has to be greater awareness that pregnancy weight matters.”
The research reviewed 17 studies that examined the pre-pregnancy BMI, gestational weight gain and post-partum weight gain for first time mums compared to women in their second or subsequent pregnancy.
Professor Skouteris said the findings, published in Obesity Reviews, would be useful in identifying risks and targeted interventions to promote healthy weight during pregnancy.
“In Australia approximately 50% of women enter pregnancy overweight or obese and between 40 and 60% of women will gain weight excessively during pregnancy,” she said.
“There has to be some recognition that this is snowballing out of control. And this is a serious issue because it can lead to very significant pregnancy complications like gestational diabetes, pre-eclampsia, delivery complications, and maternal and childhood obesity.”
Professor Skouteris said it was an important reminder that old-fashioned advice for pregnant women needed to be consigned to the past.
“You’re not eating for two, and unless ordered by your doctor, you don’t need to put your feet up all day,” she said.
“These kinds of old wives tales are not relevant today.
“Women today are a different generation from those hard labouring women in past generations. Most women are now very sedentary in the workplace and there is an abundance of unhealthy food that is easily accessible.”
Professor Skouteris said further research should explore how to encourage women to maintain their health and well-being from the time of conception.
“It’s important to maintain a healthy lifestyle, and that means eating more fruit and vegetables, drinking more water, and staying active, even if it’s just gentle exercise, such as walking,” she said.
“How do we get to a stage where eating junk food and not looking after your health and wellbeing during pregnancy, is considered just not good enough?
“We don’t want to be alarmist and for women to starve themselves, we just want mums to enter pregnancy at a healthy weight and to maintain healthy weight gain once pregnant.”
(Source: Deakin University, Obesity Reviews)


Birmingham City Council has confirmed its tree recycling service – free of charge for local residents.
With this year’s Christmas and New Year celebrations drawing to an end soon, the council has issued guidance via its official website.
From January 1 to 10, trees will be accepted at the following locations.
All of the disposal points are clearly identified close to the main entrance to each park, the council adds.
Residents can head to Lickey Hills Country Park (at Warren Lane), Sheldon Country Park (Old Rectory Farm off Ragley Drive) and Sutton Park (Visitor Centre adjacent to Town Gate) for the council's recycling service.
Woodgate Valley Country Park (Visitor Centre off Clapgate Lane) completes the list.
All of the trees that are collected will be chipped and retained within the UK to create biomass electricity.
Cllr John O’Shea, Cabinet Member for Street Scene and Parks, said: “If anyone is unable to replant or reuse their real Christmas tree this year, we are offering a free and convenient way to dispose of them.
“This scheme has proved popular in the past and we are pleased to be able to make things simpler for citizens at the end of the festive period.”


Stage 1 of Transforming Southbank Boulevard and Dodds Street commencing this month
Construction of the first stage of the Southbank Boulevard and Dodds Street transformation project will begin this month. The project which will be undertaken in stages will create 2.5 hectares of new public open space on Southbank Boulevard and Dodds Street, with the first stage expected to take 18-months to complete.
Located in the heart of Melbourne’s Arts Precinct, City of Melbourne's aspirations for Southbank Boulevard are to transform it into one of Australia’s most pedestrian-friendly places. The Concept Plan was drafted to recognise the history of the site and is based on extensive community and stakeholder engagement.
The transformation project will provide Southbank, which is Melbourne’s most densely populated suburb with critical public open space.
Beginning on 16 July, 2018, Southbank Boulevard will be closed to all traffic between St Kilda Road and Sturt Street. Trams will continue to operate and the precinct will remain open to pedestrians.
As a part of stage 1 works 39 trees will require removal however, over 65 new trees will be planted, along with approximately 300 new trees across the entire project.
The Concept Plan, which was adopted by the Council in 2017, outlines a new vision for Southbank that will:
- Create 2.5 hectares of new public open space;
- Prioritise pedestrians, public transport and cyclists;
- Deliver a new, accessible tram stop on Sturt Street;
- Enhance the gateway into the Arts Precinct;
- Create a living link, connecting the Domain Parklands to the Yarra River;
- Create a ‘Melbourne Experience’ for Southbank;
- Build a new civic square for the precinct;
- Deliver a series of new neighbourhood parks for the community.
Additionally, the project will weave together other projects mooted for Southbank including the upgrade of City Road, Sturt Street Civic Spine as part of the Arts Precinct Master Plan, Australia108, the Queensbridge Square upgrade as part of Crown & Schiavello's One Queensbridge development, and Beulah International's $2bn 58 Southbank Boulevard.
Upcoming works include:
- Early works construction from July involving the removal of 39 trees to enable construction of the new carriageway, tram line, and tram stop.
- Main tram construction period from 22 to 30 September 2018 this requires the demolition of existing tram infrastructure, construction and recommissioning of new tram line and tram stop on Sturt Street.
- Civil construction works from October 2018 to August 2019
For more information visit participate.melbourne.vic.gov.au


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Breast Reduction? (Photos)
Doctor Answers 14
Breast reduction and insurance
At times insurance companies will pay for Breast reduction. Each plan has its own specific criteria for medical necessity. Usually long term symptoms and failed conservative therapy documented by the appropriate specialists. Estimates of breast tissue resection is also required with photos and letters of medical necessity.
Insurance coverage for breast reduction
Typically insurance companies deem breast reduction surgery medically necessary (and covered) if you have certain musculoskeletal symptoms (such as back, neck, shoulder pain) and/or hygiene problems (rashes under the breasts). They typically also require that a minimum amount of breast tissue be removed at surgery. Nowadays, most companies use some sort of sliding scale to determine what that amount is. One such scale in common use is the Schnur Scale which bases the amount of tissue to be removed on body surface area (BSA). In your case, you have a BSA of 1.78; and you would be required to have about 420 gms of tissue removed from each breast. If only the minimum were removed, I would estimate from your photos that this would leave you at about a small C cup. So, if you really want an A cup, you should have no problem meeting the insurance requirements.
The only way to find out for sure whether the procedure would be covered is the submit a pre-authorization request to your insurance company. This would be done by your Plastic Surgeon. So, your next step is a consultation with an experienced, board-certified Plastic Surgeon to discuss you particular situation. Best of luck in your quest for the best breast for you.
From looking at your pictures you look like a good candidate for a breast reduction. It is possible that your insurance will pay for it if your breasts have caused you to have back and neck pain, but you will have to check with your provider about their policy. Your next step should be to consult in person with a board certified plastic surgeon so that he/she can examine you in person and together you can determine the exact size you want your breasts to be following surgery. Good luck!
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You are an excellent candidate for a breast reduction surgery. Please visit a few ABPS certified/ASAPS member surgeons that specialize in cosmetic breast surgery.
Best of luck!
Pain Relief from Breast Reduction Surgery
You are a good candidate for breast reduction surgery. I enjoy doing this surgery because patients are always so happy with their results in both how they look and how they feel. Right after surgery, you will feel the relief you feel when you hold your breasts up. However, you do not need to get down to an A cup to relieve your pain. A small B cup will achieve the same. And, if fact, your surgeon might not be able to get you to an A cup since breast tissue with a blood supply needs to be maintained underneath your nipple areas.
You will need to check with your insurance company to see what their requirements are. Most insurance companies use the Schnur Sliding Scale to determine the minimum amount of breast tissue that needs to be removed from each breast in order to qualify. Your Body Surface Area (BSA) is calculated with your height and weight. Your BSA is 1.82 m2. Using this scale, you would need to have approximately 450 grams of tissue removed from each breast. Consult with a board certified plastic surgeon who does breast reduction surgeries and who is a provider in your insurance plan.
Thank you for your question and photos. You appear to be an ideal candidate for breast reduction. The discomfort that you feel in your back and likely neck and shoulders can be improved with a breast reduction. With adequate documentation from your primary care physician, insurance may cover this if it is perceived as medically necessary. This is a favorite surgery of mine as women can feel the difference as soon as they wake up and it makes life easier and less painful having breasts that are more proportionate for their body.
Consult with a Board Certified Plastic Surgeon in your area. They can check with your insurance company to see if it is a covered benefit.
Hello, looking at your pictures you have the appearance of patient's who seek breast reduction surgery in order to relieve neck, shoulder and back pain as well as to restore proportion to the size of their breasts with the remainder of their body. Surgery will not only reduce the size and weight of your breasts, but also raise the position of your breasts and narrow your breasts. There are a number of different techniques which individual surgeons use to achieve this result and it is important that you seek out a surgeon who will most closely achieve your desired goals. You will have to accept some scars, possible change in your nipple/areolar sensation and likely impact your ability to breast feed. This needs to be discussed with your operating surgeon. Given your height and stated weight, it is my opinion that an A size cup is unrealistic as it would be disproportionate the rest of your frame. Again, at your surgical consultation have a clear discussion with your surgeon so that your goals are achieved. Always consult a board certified plastic surgeon with an expertise in breast reduction to obtain a definite surgical plan.
Insurance coverage for breast reduction
There are hurdles but insurance may cover your surgery. It is a process and can take six months from consultation to surgery. You do need to have realistic expectations in terms of sizing; an A cup may leave you pear shaped. Generally, you will be required to demonstrate that conservative management in the form of physical therapy or chiropractic over three months has been unavailing.
Breast reduction, some advices:
Thank you very much for sharing your concerns with us.
After having analyzed all the information provided to us, i can realize that you have very large breasts for your height and weight, and can be responsible for head, back, neck and shoulder pain.
In the future may cause permanent osteo-articular damage in the back and shoulders and skin problems (mainly under the breasts). For for this reasons, certainly you need a breast reduction surgery.
Insurance questions are best addressed with your insurance company. I recommend you seek an in person exam/consultation by an experienced Board Certified PS
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.

domain: medical


Dan Haiek and Armchair Analyst Matt Doyle take a look at the Wednesday night match between the Houston Dynamo and the Columbus Crew. Can the Dynamo contain the Crew overlap? Is Giles Barnes about to break out? Find out Wednesday at 8pm ET on MLS Live.
Western Conference Championship Leg 2
- ESPN Deportes
- MLS LIVE


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On December 7, 2020, the United Kingdom-sponsored United Nations Resolution A/RES/75/36 was adopted by the UN General Assembly. Seeking to focus the global discussion on outer space security on ways of “reducing threats through norms, rules and principles of responsible behaviour,” the objective is to build consensus on what it means to be a “responsible” actor in outer space.
Threats to the security of outer space are growing. More pronouncements that space is a warfighting domain are augmented by periodic accusations of, and demonstrations of, weapons tests. The latest research on global counterspace capabilities reveals an expanding and accelerating proliferation of capabilities that can target and harm objects in space.
In September 2019, Canada acceded to the legally binding Arms Trade Treaty, the first international framework to comprehensively control the international trade and transfer of conventional weapons. This positive action …
As various ministries of the federal government, as well as relevant ministries at the provincial level, seek to develop policy and procedures on the use of AI, they will need clear guidance on the risks associated with different AI applications and how they should be regulated. So far, no Canadian agency has taken the lead in providing the guidance needed to plan for high-risk AI use, particularly in security and defence applications.
The following response to the Canadian consultation on a framework for future space exploration is submitted by Project Ploughshares, a Canadian peace research institute with a focus on disarmament efforts and international security. Project Ploughshares has been engaged in space security and international policy governance for almost 20 years and leads the Space Security Index project.
On October 13, 2020, the Canadian Space Agency, along with civil space agencies from the United Kingdom, Italy, Australia, Japan, Luxembourg, and the United Arab Emirates signed bilateral agreements with …
New U.S. President Joe Biden has used Executive Orders to overturn the most extreme immigration policies of the Trump era. But deportations by Immigration and Customs Enforcement are ongoing and immigration detention centres are still in operation. The United States does NOT meet the principles of safety required by Canadian and international law.
In November 2020, global space experts were invited to participate in a series of regional online workshops to identify priorities and possible next steps in the development of norms related to space-based military capabilities and activities.
More states are investing in hypersonic weapons capabilities. These weapons have the potential to travel faster and farther than current intercontinental ballistic missiles (ICBMs), with the added benefit of increased manoeuverability. While not all hype around hypersonic missiles is justified, the pursuit of such capabilities is changing the defence landscape and raising concerns about the future of nonproliferation and arms-control regimes.
The use of explosive weapons in populated areas (EWIPA), by both state and nonstate actors, has become a top humanitarian concern, given the devastating impact it has on civilian lives and livelihoods.

domain: law


A peripheral is "an ancillary device used to put information into and get information out of the ... output devices, which provide output to the user from the computer (monitors, printers, etc.) ... A peripheral device is generally defined as any auxiliary device such as a computer mouse or keyboard that connects to and works with ...
Apr 17, 2016 ... Devices, such as monitors and printers, that are connected to the computer are called: ... A ______, when attached to a computer, can translate a user's ... Restarting the system when it is already powered on is called:
they are called pheripherals. ... Devices such as monitors and printers are connected to the computer are called? Devices such as monitors and printers are ...
Aug 29, 2016 ... This output could be a display on the computer screen, hardcopy on printed ... Ink Jet Printer ... Pointing devices, such as a mouse, connected to the PC via a serial ports .... CRT monitors are heavy and use more electrical power than flat ... The spacing of the screen's tiny phosphor dots is called the dot pitch ...
Those that input data into a computer, and those that output data from the computer. ... then it is an input device, if the device is outputting things from the computer such ... Printer; Mouse; Keyboard; Monitor; Web cam; Scanner; Graphics tablet ...
Devices that exist outside the computer case are called external peripherals, .... Display devices include CRT monitors, LCD monitors and displays, gas plasma ... There are many input and output devices such as multifunction printers and ... SRAM retains its contents as long as the power is connected and is easy to ...
A type of computer memory circuit that holds data, program instructions and the operating ... elsewhere on the motherboard (also called RAM cache or cache memory). ... such as keyboards, monitors, disk drives and mice, but also include devices that extend a computer's capabilities, such as a printer, scanner, and modem.
Jan 6, 2016 ... What is the Devices and Printers feature, also known as Device Stage. Where ... way to interact with external devices connected to your computer. ... monitors, keyboards, mice, printers, scanners, bluetooth adapters, ... On some Windows computers you will see such devices listed, while on others you won't.
Computer hardware components include input devices, output devices, ... and devices connected together via communications devices, such as a modem, .... than output from a monitor or speaker, the printer's output often is called hard copy.
Feb 2, 2016 ... Learn about the devices and peripherals we add on to the computer, the ports ... the output of information to printers, monitors, USB devices, and so on. ... USB devices connect to what is known as a root hub, regardless of ... work with audio and video prefer a zero-latency connection, such as IEEE 1394.


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Welcome to my new blog, entitled "Elder Law Alabama". I have resisted the blog mania since I thought that most of my clients would not be bloggers or bloggees, but was informed today that many of their (adult) children would learn more about me if I had a blog, so here goes.
As you can see, I am an attorney who limits my work to assisting seniors and their families understand the morass of agencies, benefits and pitfalls associated with getting older. For example, many veterans are not aware of Aid & Attendence benefits that are basically a pension benefit that they can qualify for, and as a result, they go without. They don't have to though. Or many people assume that they can't qualify for Medicaid because they have a house, a car or even Social security income. They can and we can tell you how.
Read through the various posts and see if your question has been answered. If it hasn't though, please shoot me an email or call my office to set up an appointment. I am happy to assist you and your family wrestle with these issues.
Private Duty Home Care for Seniors
Loss of Independence or the Last Step to Maintain Independence?
By John Graham, BrightStar Healthcare
Having a private duty caregiver come into the home to assist a senior can be a great way to delay or eliminate the need for the eventual move to an assisted living facility or nursing home. This option allows the senior to stay in their homes longer and continue to maintain a more independent lifestyle with personalized help from a caregiver.
Seniors want to stay at home as long as possible. This option provides the opportunity to extend the amount of time someone has at home with family and friends, near their life’s possessions, enjoying hobbies in a familiar and safe environment.
It is important to note the difference between “Home Health” and “Private Duty Home Care”. Home Health is a term typically associated with a Medicare benefit following hospitalization in which an agency provides temporary, limited visits in the home during recovery. Private Duty Home Care is a permanent service provided to anyone, anywhere on a private-pay basis, and can be either “Medical and Non-Medical” or only “Non-Medical”.
Companies offering “Non-Medical” care include help in companionship, light housekeeping, meal preparation and transportation. Other companies offer more “Medical” care such as assistance with activities of daily living (bathing, dressing, toileting, ambulation, and eating). For seniors who have more advanced care needs, the “Medical” option of having skilled nursing in the home is also available. All levels of care are available to fit your schedule 24/7. Brightstar Healthcare is one of the few Birmingham companies that offers both “Medical and Non-Medical” In Home Care.
Essentially, private duty home care allows seniors to continue to live and age in place in their own home. Delaying or eliminating the need to move into a facility keeps them happier and will save money for future medical or long term care costs. Private duty home care is not the right answer in every situation but it should be a consideration as an option with very positive benefits.
Thoughts on Your Will
Congratulations! You are considering getting around to (finally) drafting your Will. It is a big step and one that requires some work on your part, but the end-result will give you peace of mind and it will be money well-spent. If you are having any second thoughts about the process or the expense however, please read through the following. It should help you make a decision about your estate planning.
People will justify not having a will by claiming that they don’t really have anything or that everyone already knows what goes where, so why bother with the expense of a will?
People cannot use the excuse of cost or legal complexity to justify not making a will. Some states allow for handwritten wills -- no lawyer is necessary. I have never seen one that is valid though. The sad part is that they person did not know their handwritten will was invalid until it was too late to change it.
Some people may question the need for a Will and instead prefer to rely upon the rules of intestate succession to dispose of their estates. Intestacy is a statutory method of distributing an estate in the event that someone dies without a valid Will.
If you die without a Will, the process of intestate administration is generally more complex. The statutory provisions do not take into account any particular wishes or circumstances of the person who has passed. And it will almost always cost the family more, much more, if you die without a will than with a will in place. And if all of the relatives live out of state, they can’t serve as the Administrator of your will, even if they want to. A County Administrator
Some reasons why a will is important:
If you have a will, you can designate who will act as executor of your estate in probate.
If you have a will, you can specify that your executor serves without necessity of a bond.
If you have a will, you can provide for the independent administration of your estate. That means your executor does not have to get court approval for what is done during the administration of your estate.
If you have a will, you can make specific bequests of items of your property to certain individuals.
If you have a will, you can name the guardians of your minor children in case of the death of you and your spouse.
If you have a will, by using a trust, you can delay receipt of part or all of your property until the heir reaches a certain age.
If you have a will, you can leave property to a charity.
If you have a will, you can leave property to people who are not your immediate relatives.
If you have a will, you control who gets what.
If you have a will, your estate can avoid a costly proceeding to determine heirship. That is a probate proceeding where, besides paying the probate lawyer, the estate has to pay a lawyer for the "unknown heirs."
If you have a will, you can make it "self-proving." With a self-proven will, it is not necessary to produce a witness in court to prove the will was executed with the requisite formalities. This may be important if the witnesses to the will are deceased or cannot be found at the time of probate.
If you have a will, it can provide for the transfer of titled property, such as real estate, so the chain of title is not clouded.
At the same time you have a will done, you can also request that the lawyer prepare a living will and a medical power of attorney to govern your medical care should you be in a coma or otherwise unable to express your wishes to the doctors.
Although having a will is important for everyone of adult age, it is particularly helpful for unmarried people. Without a will, survivors must struggle to decide:
» who is in charge of making decisions for the funeral,
» what type of funeral arrangements should be made,
» whether to sell personal possessions,
» what portion of the estate should be given to surviving relatives.
So what are you waiting for?
AARP accepts everyone who is 50 years of age and older, so if you fall into this category, please read on.
Once your children are grown and gone, your financial obligations change dramatically. Your focus tends to shift from raising kids to paying for your retirement. While many people spend many hours considering their retirement savings and income streams, relatively few people consider their long-term care needs. As an Elder law attorney, my focus is on long-term care. I leave retirement savings to the financial planning profession. It takes both to have a comprehensive plan.
Long-term care is a reality for over 50% of seniors in the U.S.
There are only three (3) ways to pay for long-term care in America
1. Out of your pocket and the pockets of your relatives;
2. From a long-term care policy that you own;
If you can afford $5,000 per month from now on out, read no further. You are set.
However, if you foresee your life savings running out before your long-term care needs run out, you might benefit from thinking through your options. One option is to purchase long-term care insurance IF you can afford it and IF you can still qualify. If you can’t qualify or can’t afford it, your only other option is to consider Medicaid as your provider of long-term care once your money has run out.
Let’s talk a little about Medicaid.
Medicaid is a joint Federal/State program that provides a wide range of benefits to the sick, the poor and the aged. For our purpose though, we will consider only what is known as “Institutional Medicaid”, that is, the benefits available to anyone needing long-term care.
Medicaid is administered by each state differently, so don’t assume your friend in Florida Alabama
Medicaid is a “needs-based” program, meaning that you must meet their requirements in order to receive benefits. However, if you meet their requirements, you may have all of your nursing home expenses paid for by Medicaid. This means that your medical expenses, housing expenses and food are paid for by Medicaid, so it is a valuable benefit, if you can qualify.
Federal law prohibits nursing homes from providing a different level of service to Medicaid residents than to private pay residents, so don’t assume that a Medicaid recipient will receive sub-standard care. The only person in the nursing home who knows who is paying for your care is the people in the billing office, not the doctor, the nurses, the therapists or the guy delivering food everyday. You will get the same level of care regardless of who is paying for it.
Who Needs Medicaid?
The most frequent situation we see is when one spouse develops a condition such as dementia that requires them to be under constant care and the other spouse, due to either her/his own health issues or time constraints, cannot provide the care needed. The spouse with Alzheimer’s disease needs more care than the healthy spouse can deliver, so some sort of community or facility is needed. It is important to note that mere dementia without other medical issues will not qualify for Medicaid, but there are normally other health issues that arise during this time that will allow him or her to qualify, so this isn’t normally a problem.
Medicaid qualification is difficult, time-consuming and fraught with expensive mistakes, so if you think Medicaid might be in your future, planning now might save you thousands of dollars later. Ask about it when we meet.
Generally speaking, all adults are considered to be responsible for themselves and their actions. When a person loses the ability to care for themselves through disease, injury or otherwise, they often need someone else to step in and provide care and supervision. For example, suppose your parent develops dementia and can no longer remember how to perform tasks like driving, taking medications, cooking safely and so on. In that situation, the Probate Court can appoint another responsible adult to serve as a Guardian of the person (who is called the Protected Party or Protected Person).
Normally a family member will serve as the Guardian, and will have a wide range of responsibilities over the Protected Person. Think of the Guardian as someone who steps in as a parent to perform parental tasks, even if they are years younger than the Protected Person. The Guardian is responsible for virtually every aspect of the Protected Person’s needs except for their financial needs. A Guardian does not manage the money of the Protected Person. This is an important detail that bears repeating- the Guardian does not and is not empowered to manage any monetary aspect of the Protected Person’s life. That aspect is controlled by the Conservator.
A Conservator is a person who has been appointed by the Probate Court to manage the financial affairs of the Protected Person. Their job is to serve as a bookkeeper, and they must keep careful records of all income and expense of the Protected Person, because the Probate Court will expect to see their records on a regular basis. Suppose that your adult son has had a terrible accident and is receiving proceeds from a lawsuit. Even though you are his parent, you are not automatically entitled to manage his money. You must be appointed by the Court first.
Since a Conservator has a higher degree of responsibility than a Guardian, the Court requires the Conservator to be bondable, which means that an insurance company writes a policy that guarantees the strict performance of your financial duties. If you steal or misappropriate the Protected Person’s money, the insurance company has to pay the court and then you must deal with the insurance company. This is not an ideal situation to find yourself in, so it should be avoided at all costs.
Children can also require the appointment of Guardians and Conservators, and although the details are slightly different, the duties of the Guardian and Conservator are the same. Think of the Guardian as the Mother who provides the love and support and the Conservator as the Father who provides the financial support. Even though this is an outdated image, it might help you to remember the difference in duties.
If your family member ever needs someone else to care for them or manage their money, you should consult with an attorney who practices in the Probate area of the law. Your local bar association can give you names and numbers of who to call.
In a few months we will celebrate the 40th anniversary of what is perhaps mankind’s greatest single achievement- the Apollo moon landing. Some of us who are old enough to have seen it “live” will remember the grainy black and white images with the hushed voices of the newsmen (they didn’t have newswomen back then) describing the scene, and then silence and then Neil Armstrong’s voice coming from ¼ million miles away, “One small step for man- one giant leap for mankind.”
Reporters later asked him what he thought about as he sat atop the Saturn V rocket, waiting for liftoff… In the nonchalant manner of most pilots, he said “I realized that I was sitting on a million pounds of high explosive, timed to go off at precise intervals and all of it was built by the lowest government bidder!” He knew that if any problems developed, no one would know until it was too late to fix them. With the low bidder he got a great price but at what cost?
I am no astronaut and I don’t even play one on TV. I am an attorney who works with families going through Probate court, the court that handles estates of those who have died. Too often I see situations where someone has gotten a great price on a will from a website or an office supply store and that bargain-priced will is now costing the family time, money and heartache. It was cheap but no one anticipated the problems it would create. Just like the lowest bidder, the price was great but at what cost?
Another situation I see is when a person has died and never bothered with having a will at all. They assumed that they didn’t have anything, or that everyone would get along and know what each person wanted, or that banks and financial institutions would simply release accounts to the spouse or next-of-kin without needing anything more than a simple request. They might have even assumed that paying for a will was a luxury that they could do without, a needless expense, a waste of money.
Without exception, dying without a will is more expensive than dying with a will in place. It costs more to probate an estate without a will, it takes longer, it requires a bond to be purchased and it requires frequent hearings in the probate court, each one also requiring the services of an attorney. All of this can be avoided by having a will in place. Without a will no one will ever know your true intentions. You saved some money but at what cost?
So why put your loved ones through needless expense, delay and heartache? It isn’t expensive to set up your plan. It will save your estate more than it will cost. It will make your final affairs run smoothly. It will give you and your family peace of mind. And that is what estate planning is all about- peace of mind.
-©2009, Nolan Elder Law
Did you know that your child is or may be entitled to valuable benefits once he or she reaches adulthood? Social Security and Medicaid are the two most important benefits. If your child has a continuing need for medical treatment and/or housing, over their lifetimes Social Security and Medicaid might spend literally millions of dollars.
It therefore pays to protect these benefits, because if they aren’t paying, you will.
It used to be that folks worried about what would happen to their money and their stuff when they died. Those were the good old days. Now the big worry seems to be, “what will happen to my money and my stuff if I live too long?” More specifically, “what will happen to my money and my stuff if I ever have to go into a nursing home?”
While I don’t recommend worry as a means of solving the problem (it has never worked for me), I do encourage folks to gather information and ask questions. Let me share with you what I know about estate planning and asset protection strategies. If you have any questions after reading through this, you can call me at anytime for a free consultation on your specific situation.
Here are some questions I regularly hear:
Will I lose my home if I enter a nursing home?
Will my spouse have to go without if I enter a nursing home?
What will happen to me or to us once our money runs out?
Can anyone force me to have to go into a nursing home?
There are three ways you can pay for a nursing home stay. One is called Private Pay, meaning you pay for it out of your pocket. The second is through a long-term care insurance policy, and the third is to let the Government pay for your stay either through the VA or through Medicaid. If you are a veteran, there are fantastic veteran’s homes available although there is a waiting list and none are close to Birmingham/Bessemer. If you are not a vet, Medicaid is your only option.
Most of what you read about Medicaid is written by authors in other states, so don’t take their word for how it might work here in Alabama
If you go into a nursing home as a private pay resident or under a long-term care policy, you don’t have to sell your home, you don’t have to do anything but pay your bill every month. It is only when you need Medicaid that you have to worry about your home.
The reality is that most people, if they live long enough, will ultimately have to rely on Medicaid for their long-term care. Once your money runs out, once your long-term care policy limits are reached, you will have no other option than to apply for Medicaid. So it makes sense to plan ahead. Why risk your home or your spouse’s well-being? Planning ahead is smart. You know, it wasn’t raining when Noah built the Ark.
Who hasn’t been to a specialist for a medical problem? We have all been to ear, nose and throat docs, orthopedic docs, dermatologists, cardiologists and a host of other specialists.
People go to specialists for a reason- Specialists limit their knowledge to one or only a few areas, thereby giving their client or patient a higher level of care than might be possible from a generalist.
As in medicine, the law has specialties as well. While attorneys cannot generally claim they are “specialists” in many areas of practice, they can say that they limit their practice to one or a few chosen areas of the law. In this manner these attorneys are able to deliver a high level of legal expertise without having to “do some research and get back to you” as is the case with some general practitioners.
One area of the law that has been gaining in popularity is Elder Law. With so many Americans living into their 80s and 90s, the need for attorneys knowledgeable in elder law has grown rapidly. If you ask the average senior to define elder law though, you will no doubt get a puzzled look. It is possible you might get a similar answer when asking the average attorney the same question.
What exactly is “elder law”?
Most areas of the law are defined by the type of work being done. For example, divorce law, criminal defense, bankruptcy, Social Security disability, real estate, immigration, personal injury- all practice areas and all defined by the type of work.
Elder law by contrast is not defined by the type of work being done but by the client who is being served. A senior might have legal needs in various areas of the law, including wills and trusts, probate, guardianship, Medicaid, Veteran’s benefits and taxation. Rather than having to visit a handful of different lawyers, the senior can deal with all of these issues with one attorney, the elder law attorney.
Think about the average 75 year-old couple. They have led charmed lives in a way. They have lived in the same home for 50 years, so they haven’t met a real estate lawyer. They have never filed for bankruptcy, so they have never met a bankruptcy lawyer. They have never been divorced, never gotten a DUI, never sued anyone or been sued, and like most people, they have put off preparing their wills. They have missed every chance of meeting a lawyer, and now that one of both of them are having health problems, they do not know who to call for help. They might not even know there is such an area of practice called elder law. Indeed, this is the weakness in this area of practice- so few seniors even know this area of practice exists to serve them and their families. Add to this lack of information the sense among some seniors that they are too proud to accept assistance from others and you can see where this will lead.
What types of legal work falls under the umbrella of elder law?
The most common need we see has to do with nursing home issues. Trying to understand the various options with regard to long-term care can be an overwhelming task. Private pay or Medicaid? Long-term care insurance? What about Veteran’s benefits? Does Medicare cover anything? Will I qualify for Medicaid? What is the difference between Medicare and Medicaid? Will I lose the house or family farm if I accept Medicaid? As a Vet or the spouse of a Vet, are there benefits available to us? How do we go about getting them?
Advising the family on home-health care agencies, durable medical agencies, long-term care insurance and annuities, and the various independent living, assisted living and nursing home options is a major part of what we do.
We also assist clients with issues involving dementia and lack of capacity. Who will step in to make decisions for you when you lose your capacity? Will the same person make financial and non-financial decisions for you or do you want to separate the duties?
Helping individuals of all ages with disabilities also falls within the realm of elder law. Special Needs Trusts are specials techniques that allow a disabled individual to continue receiving government benefits like SSI and Medicaid, even if he or she receives an inheritance or a windfall of some sort.
Wills and estate plans are not unique to elder law, but the elder law attorney will know how to incorporate specific provisions in your estate plan that will allow you and your loved ones the most flexibility in helping you if you have a medical crisis and also administering your estate after your death.
And finally, Probate is another area. Helping families navigate the system that takes a person’s will and officially distributes those assets to heirs and beneficiaries is known as probate. Minimizing costs and avoiding family fights are a major part of this work.
So there you have it. Elder law is caring for the senior and his/her family. It is NOT drafting a document or filing a paper or writing a letter to someone. These things may occur but they are incidental to the real work, which is providing our senior citizens with some semblance of respect in their golden years.


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For the past 12 months or so, the press and other media have been awash with stories about the ‘spiralling’, ‘out of control’ number of ‘vexatious’ and ‘speculative’ employment tribunal (ET) claims that is, we are led to believe, striking fear into the hearts of employers and dragging the economy down into the depths. (What? You thought it was something to do with greedy bankers? Tsk tsk.)
Much of this media scaremongering was clearly based on briefings by ministers or their advisers, egged on by the employers’ lobby groups. But it is now clear that ministers and their officials knew all along that the number of ET claims is falling. Yes, that’s right: falling. As in, going down. Which is not the same as spiralling upwards, whichever dictionary you use.
Quarterly tribunal statistics published earlier this week by the Ministry of Justice show that, over the 12-month period October 2010 to September 2011 – early on in which, of course, ministers launched their consulation on ET reform – the overall number of ET claims was down by 13%, year on year. And single claims – among which one would expect to find the supposedly growing number of ‘vexatious’ and ‘speculative’ claims causing employers to lie awake at night – were down by 7%. Furthermore, in the first half of the current financial year (i.e. April to September 2011), the number of single claims was not only down relative to the same period in the previous financial year, but a whopping 19 per cent down from the same period in 2009-10.
So where, exactly, is the tidal wave of vexatious and speculative claims necessitating what the Department for Business calls the biggest ever shake up of the ET system? And where are the headlines trumpeting the reality of a substantial and steady fall in the number of claims? Such a reduction – without any action by Government – should surely be a cause for celebration on the part of both ministers and the employers’ lobby groups.
The sad, simple truth is that falling numbers of claims don’t fit into ministers’ increasingly threadbare narrative of poor, defenceless employers being frightened silly by a pack of rampaging beasts. One week it’s the Tribunal Claim Leviathan, the next it’s the Red Tape Dragon, and then it’s the Health and Safety Monster.
No doubt it will soon be the Maternity Mammoth and the Paternity Piranha. Or have we had them already? Oh yes, here they are, monstering about in the Financial Times last July.
Be afraid. Be very afraid.

domain: news


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Tuesday, February 19, 2013
Dover Mill Girls
The mill girls were finally driven to rebellion, enacting the first women's strike in the United States. On December 30, 1828, about half of the 800 mill girls walked out. They marched around the Mill with signs and banners and even ignited two barrels of gunpowder. The Dover mill girls were forced to give in when the mill owners immediately began advertising for replacement workers. Striking workers returned to work January 1, 1829 at reduced wages. To read more follow this link.

domain: sociology


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Is there a way to be able to use this?
I’m using a another way of adding the script like this below:
instead of using the code below:
the problem is that I can’t set the path for the windows image(icons) it all white
when I use the developer tools I found on that the page is requesting the buttons image in a wrong place, see link below.
How can tell the windows to look for the images in a separate directory. “setImagePath” works before but now it’s not recognized.
Unfortunately it is not available to redefine the icons path. “imgs” with the required icons should be in the same directory with the dhtmlx.css
Or you may redefine it right in the dhtmlx.css replacing all the “…/imgs/” with the required url.

domain: design


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Financial Services Article
07 October, 2011
There were widespread predictions before the recent stock market decline that the economic problems in the US and the Eurozone would impact share and bond prices. So should private investors have been switching their investments into cash?
In most cases the answer will be "probably not", for a number of reasons:
So the best advice is Corporal Jones' exhortation "Don't Panic Mr Mainwaring, don't panic". A well diversified portfolio should be sufficiently robust to come through with positive results in the longer term, adjusted as appropriate from time to time to take account of market trends and changes in personal circumstances.
There is however a dimension to the issue of diversification which is proving to be of increasing importance, namely diversification between asset classes - a prime example being the recent dramatic surge in the price of gold as investors sought a safe haven from market storms.
Unsurprisingly, this has been reflected in the increased interest which has been shown in multi-asset funds, which enable investors to delegate the macro-economic calls to specialist fund managers. Such funds could make a good core portfolio holding in uncertain times.
The value of pension funds from which benefits have not yet been drawn can normally be passed to nominated beneficiaries free of tax.
However, if the value of the fund is paid to a spouse, this will increase the taxable value of their estate to the detriment of the children.
This result can be avoided by means of a trust which permits the funds to by-pass the estate of the surviving spouse - an arrangement not dissimilar to the back-to-back wills which are frequently recommended as a means of permitting the value of the nil-rate band of inheritance tax to be retained for the benefit of the estate of both spouses.
The arrangement is known as a spousal by-pass trust and it involves the pension scheme member setting up a trust and requesting the pension fund trustees in their discretion to pay the proceeds of the pension into the trust rather than to the surviving spouse.
Both the surviving spouse and the children can benefit from the trust, but the funds do not form part of the estate of the surviving spouse and therefore avoid tax on his or her subsequent death.
Junior ISAs, the government's replacement for the scrapped Child Trust Fund scheme, will become available in November and will provide exemption from income tax and capital gains tax on the investments.
The maximum annual contribution will be £3,600, which will be increased in line with the consumer prices index as from April 2013; and there will be no minimum limit. However, unlike CTFs, there will be no government contribution. Also, it will not be possible to transfer CTFs into Junior ISAs, or vice versa.
Children will be able to hold up to one cash and one stocks and shares Junior ISA at a time and if both a cash and stocks and shares ISA are held, the £3,600 limit will operate across both accounts.
Any cash put into Junior ISAs will be locked-in until the child reaches the age of 18, and the Junior ISA will then become an adult ISA.
Among the changes to the rules affecting pension taxation which came into force on 6 April 2011 is one which benefits charitable gifts.
Previously, if a SIPP investor died after starting to draw income from the SIPP investments, tax would have been levied at 35% on the capital value of the fund. After 6 April, the operative tax rate is 55%, but death benefits can be paid tax-free to charity regardless of age.
The 55% payable on the pension fund compares with the 40% tax rate payable on other assets passing on death, so if the intention is to maximise the value available to dependants other than the surviving spouse, then it makes sense to pay the charitable gift from the SIPP rather than from the estate.
This could be arranged simply by submitting an "expression of wish" form to the SIPP provider, specifying the charities to be benefited and the proportion of the fund to which they would become entitled. It might also be necessary to review the terms of the investor's Will.
For lifetime gifts to Charity, donations are boosted by a 25% tax rebate and donations can be carried back against a 2010/11 tax bill.
For further information or advice on any of the above issues contact a member of the Financial Services Team on 01772 220022.
30 Oct 2018

domain: finance


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domain: agronomy


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Building Mental Resilience - Responders Helping Responders
November 23rd, 2022 – 1000 – 1100 ET
Featuring Marc Rainford, Former Toronto Police Service Officer
About the Speaker:
Marc Rainford has over 20 years of experience in community engagement, with a specialty in youth and police engagement. Marc is a former Toronto Police Service officer, with 15 years of experience in policing.
Marc has been a keynote speaker with the Toronto Catholic District School Board on student leadership and mental health resilience and as well with the Ontario Association of Chiefs of Police conference on mental health in policing. He has done numerous presentations on mental health resilience including with the OPP, Windsor Police, Durham College and George Brown College. Marc is also the author of an upcoming children’s book on mental health resilience.
Mostly importantly, Marc is a husband and proud father of two girls.
About the Session:
Please join us on Wednesday November 23rd from 10am - 11am for a conversation with Marc Rainford as he takes us through his lived experience and the importance of building mental resiliency, managing "rocks" in your backpack, and many more of his helpful strategies to have a healthy and successful policing career.

domain: psychology


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the higher and more spiritual conceptions of man's nature and functions. The lead in this sense was at once taken by a picturesque and interesting personage—the then Bishop of Oxford, Samuel Wilberforce. This is the last place in the world where he needs a re-introduction. But one or two things may be said about him. He was in his day the foremost member of his own profession: by general consent the most effective preacher, by universal consent the greatest Bishop, in the Church of England. Through a curious malignity in the chapter of accidents, he just missed both Primacies, first that of York, and then that of Canterbury. Outside the ecclesiastical fold, he was in the House of Lords and on the platform one of the first orators in a time of great speakers: nor was he surpassed by any of his contemporaries in attractive social gifts. His more than Pauline capacity of being all things to all men gained him an undeserved reputation for time-serving, and even for insincerity. He had a whole-hearted belief in the Anglican position. In the field of action he was a wary and resourceful, and therefore a formidable, strategist.
Among other accomplishments the Bishop, who loved country life, had a good outside knowledge of Natural History, and after a little coaching from Owen, the doyen of British Biologists, he set to work to demolish Darwin in an article in the 'Quarterly Review'. He thought to pursue his advantage at the meeting of the British Association which was held here in Oxford in 1860, where, however, in his own chosen arena, Huxley, the young gladiator of Evolution—he was then only thirty-five—gave him a nasty fall.

domain: library


text: The Cuggl Nightingale Group 1 Car Seat is perfect for children weighing between 9-18 Kg. Designed to be used forward facing, it has 5 recline positions and individual harness tensioners to keep your baby guarded in all positions. Its side impact protection fits the padded seat deep within a shell so your baby is safe and comfortable throughout the journey. The seat has excellent side impact protection built into the shell. Individual harness tensioners to ensure that both sides of the harness are tensioned correctly. Car seat features: Car seat group 1. Suitable for children 9 months to 4 years. Suitable for children from 9kg to 18kg. For use with 3 point seat belts. Forward facing. Side impact protection.


OPWSA is excited to announce that we have been approved for funding for a program to offer respite opportunities to families and caregivers who support individuals with PWS. We are calling this program The Adventure Project: Recreation and Respite for Prader-Willi Syndrome Families. The Adventure Project: Recreation and Respite for Prader-Willi Syndrome Families is supported by the Government of Canada's Emergency Community Support Fund and Toronto Foundation.
In order to be eligible to receive the funding, the individual with PWS must live in Ontario.
We are asking interested families to submit a proposal on how they are planning on using the funds if their proposal were to be accepted. The funding should be used to hire respite workers, and/or for respite programs or activities for the individual with PWS to be engaged in outside of the house. Given the situation with COVID-19, we are aware that families might not feel comfortable with hiring respite workers, so funding could also be used for a family member or friend to do an activity with the individual with PWS (for example, a trip to the zoo).
Please note that there are limited funds, so we may not be able to accept all proposals. Accepted proposals will be eligible to receive up to $500 worth of funding. We are accepting proposals between now and February 28th. You will receive notification on whether your proposal has been accepted within 1 week of submitting your proposal. Funds must be used by March 31st, 2021.
OPWSA will reimburse you by cheque for the accepted funding amount AFTER you have used all of the allocated funds and submitted the required report, receipts and paperwork.
If you have any questions, please contact Jennifer Coens, OPWSA Executive Director at email@example.com.


cruising motor yacht / flybridge / displacement / 6-berth
EV 1700 II
17.15 m (56'03")
The European Voyager is a modern, attractive ship with bigger windows and a new colour. Suitable for inland and open waters.
Freedom and space for a luxury life inside and a delightful outside
Exiting and robust design
Comfortable and safe sailing


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Retirement and Quality of Life
Asking the right questions about how you can save money for retirement without sacrificing your quality of life.
What You Need to Know About Social Security
Every so often, you’ll hear about Social Security benefits running out. But is there truth to the fears, or is it all hype?
A Bucket Plan to Go with Your Bucket List
Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.
Inflation & Retirement
Estimate how much income may be needed at retirement to maintain your standard of living.

domain: economics


Miami Herald – A congressional candidate from Miami …Bettina Rodriguez Aguilera says she’s been aboard a spaceship … crewed by aliens.
Three blond, big-bodied beings — two females, one male — visited her when she was 7 years old and have communicated telepathically with her several times in her life, she says.
Rodriguez Aguilera, 59, a Republican who is running to replace retiring Miami Republican Rep. Ileana Ros-Lehtinen, recounted her experience with the ETs during a 2009 television interview.
She described “going up” inside the spaceship — though whether it went into space or just hovered around town was left unclear.
“I went in. There were some round seats that were there, and some quartz rocks that controlled the ship — not like airplanes,” Rodriguez Aguilera said.
Among the things she said she found out from the aliens:
– There are 30,000 skulls — “different from humans” — in a cave in the Mediterranean island of Malta.
– The world’s “energy center” is in Africa.
– The Coral Castle, a limestone tourist attraction South Miami-Dade, is actually an ancient Egyptian pyramid.
– “God is a universal energy.”
She also said that the aliens had mentioned Isis, though she didn’t clarify if they meant the terrorist organization or the ancient Egyptian goddess.
Who’s to say she didn’t? – Ed.
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Copyright 2017 Southern Arizona News-Examiner


From Crisis to Calm: Jamie’s Story
Last updated: August 9, 2019, at 3:36 p.m. PT
Originally published: August 6, 2019, at 2:22 p.m. PT
We’re tackling the homelessness, mental illness, and other critical issues that kids and young adults face in our region. We remain largest provider of housing in King County for teens and young adults. We house about 280 young adults on any given night.
Jamie is one of those people. Jaime, who uses they/them pronouns, was rejected by their adopted family when they came out as gender non-conforming, a term used to describe someone whose gender expression is different from conventional expectations of masculinity and femininity.
Jaime was sent away to school in another state, not welcome to return home. Jamie was devastated. Without family support, they became desperate for money and began working in the sex industry.
Jaime’s mental, physical, and emotional health spiraled out of control, and Jaime attempted suicide by overdosing on sleep medication in August 2017.
Jamie was introduced to our Crisis Outreach Response System for Young Adults at a homeless shelter. Jamie had been experiencing homelessness for eight months and felt unsafe, suicidal, and triggered.
Things were so dire that during Jaime’s first visit with an outreach worker, Jamie disclosed, “I don’t want to live past 30 years old.”
We invited Jamie to stay at our short-term respite beds in Shoreline, where they could rest in a safe environment.
Jaime met with Y staff weekly to build resiliency skills. During that time, Jamie’s perspective changed from being hopeless to hopeful. By the end of October 2018, Jaime moved from transitional housing into affordable housing in South King County.
Jamie’s outlook is more positive than ever. Jaime has reduced the number of visits to the emergency room. Jamie hopes to use these personal experiences for good and plans to enroll in school to pursue a degree in social work. We are so proud of Jamie and their growth.


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NEW ORLEANS SAINTS VS NEW ENGLAND PATRIOTS
SUNDAY, OCT. 8, 2023 - GILLETTE STADIUM
SAINTS POSTGAME NOTES
- The New Orleans Saints defeated the New England Patriots 34-0 Sunday.
- With the win, the Saints are now 3-2 overall and 2-1 on the road. New Orleans returns to action on Sunday, Oct. 15, when it takes on the Houston Texans at NRG Stadium in Houston. Kickoff is at noon central time with the contest regionally televised on Fox (WVUE Fox-8 locally).
- After the win, New Orleans' all-time regular season record against New England is now 6-10 and 5-5 in games played in Gillette Stadium.
- New Orleans outgained New England 304-156. The Saints also allowed the Patriots to convert just 7.7% of their third-down attempts, converting just one of 13 attempts.
- The Saints pitched their first shutout since Oct. 30, 2022, against the Las Vegas Raiders. It was the first time New England has been shut out since Oct. 2, 2016.
- The Saints defense allowed just 76 yards in the first half and gave up just one-of-seven third down attempts.
- New Orleans dominated time of possession, holding the ball for 39:34 compared to just 20:26 for the Patriots.
- Quarterback Derek Carr completed 18-of-26 passes for 183 yards and two touchdowns. Carr completed a pass to eight receivers.
- Carr surpassed Dan Fouts to move into 24th all-time in completions, now standing at 3,839 career completions.
- Running back Alvin Kamara scored his 73rd career touchdown, breaking a tie with former Saints WR Marques Colston for the most touchdowns in team history. The two-yard score also gave Kamara 50 career rushing touchdowns, joining Mark Ingram as the only Saints to rush for at least 50 scores.
- Kamara finished with 22 carries for 80 yards and a touchdown, as well as three receptions for 17 yards.
Running back Kendre Miller carried the ball 11 times for 37 yards and added four receptions for 53 yards.
- Wide receiver Chris Olave scored his first touchdown of 2023 in the second quarter on a five-yard reception. Olave finished with two catches for 12 yards and the touchdown on five targets.
- Wide receiver Michael Thomas led the Saints with 65 yards receiving on four catches and seven targets.
- Tight end Foster Moreau scored his first touchdown as a Saint in the fourth quarter, increasing the New Orleans lead to 31-0 on a six-yard score.
- Safety Tyrann Mathieu scored the first touchdown with a 27-yard interception return for a touchdown in the first quarter.
- The touchdown was Mathieu's first pick-six since he had a 34-yard return touchdown against the Baltimore Ravens on Sept. 19, 2021.
- Defensive end Cameron Jordan played in his 197th career regular season game Sunday, surpassing kicker Morten Andersen for second most in Saints history.
- Jordan shared a sack of Patriots quarterback Mac Jones in the second quarter Sunday. Jones became the 46th player Jordan has sacked in his career. Jordan finished the game with two total tackles, the half-sack and a fumble recovery.
- Linebacker Pete Werner grabbed his first career interception in the third quarter off a deflection for New Orleans' third forced turnover. Werner had three total tackles.
- Cornerback Alontae Taylor and linebacker Demario Davis led the Saints with six total tackles apiece.
- Kicker Blake Grupe hit a career-long 54-yard field goal in the third quarter. Grupe made all of his kicks Sunday, hitting all four of his extra points and two field goals, both from 50+. Grupe has now started his career hitting 11-of-12 field goal attempts and three field goals from 50 yards or more
Check out the game action shots from the New Orleans Saints game against the New England Patriots in Week 5 of the 2023 NFL season.

domain: game


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Soil PH Tester
By far the easiest and most economical solution for testing pH levels in soil. Simply inserting the HB-2 into the ground and waiting 3 minutes provides accurate soil pH readings. There’s no chemicals, batteries, or sluries involved. Also, the HB-2 can take relative soil moisture readings using a similar procedure.


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The first wet wipes in the UK granted official certification as “fine to flush” down the toilet have been unveiled.
Organic health and beauty brand Natracare’s wet wipes are hitting UK stores next month, which it claims is Europe’s “first truly flushable” moist tissue wipes after having achieved Water UK’s stringent tests.
The wipes, which are 100% plastic free, compostable and made with natural and organic ingredients, will have the ‘Fine to Flush’ symbol that was launched by the industry body last month.
Manufacturers can use the symbol after they pass the strict tests that check the extent of the breakup of the wipes in the drain and sewer system as well as any plastics and residuals that could contaminate rivers, estuaries and the sea.
The symbol informs consumers the product doesn’t contain plastic and won’t clog up sewers and contribute to fatbergs which cause blockages and sewage overflows.
Fatbergs are mainly caused by a build-up of wet wipes, fats, oils and grease into a solid mass – a 90-tonne fatberg, equivalent to the weight of around 13 African elephants, was found in a sewer in Liverpool recently, the biggest in North West England.
Susie Hewson, Natracare’s Founder and Director said: “For the longest time, big toilet paper brands have been pedalling products with hidden plastics that claim to be ‘flushable’. We hope Water UK’s new standard and our new organic flushable moist tissue will create more transparency – which will lead to less plastic pollution. The industry said it could never be achieved. We are pleased to have proved them totally wrong.”
Rae Stewart, Director at Water UK added: “It’s great to see the first wipe meeting the ‘Fine to Flush’ standard coming onto the market and I hope it’s the first of many, with people having a clear choice in future when they buy wipes.
“The ‘Fine to Flush’ symbol on packaging gives customers confidence that they won’t be helping to create these monstrous fatbergs which clog up sewers and cost the country so much money to deal with. But it’s important to remember that if it doesn’t say ‘Fine to Flush’, those wipes need to go in the bin.”


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Ok, this is a sharp left turn from the stuff I normally read.
So this is about a talented perfumer in 18th Century Paris. He’s born in absolute poverty and left to die. Adopted by the local tanner he grows up to find he has an amazing sense of smell unlike anyone else. He becomes a top perfumer but also slightly obsessed with the ‘scent’ of youth. Particularly young women. He starts killing young women in an effort to capture the scent. People wig out and start locking up their daughters which is fair enough. Shit goes sideways and he gets caught but he covers himself in his perfume made from his victims, people go crazy and there is a mass orgy and someone else cops the blame for the murders. This doesn’t make the perfumer feel any better. He eventually ends up in a cemetery, he covers himself in his new perfume, people flock to him and literally tear him apart and eat him. When the perfume wears off everyone agrees it was weird but they did it out of love.
Told you if was a bit different. Apparently it was Kurt Cobain’s favorite book which sort of explains why he wrote a song called Smells Like Teen Spirit.
Where to start with what the actual fuck is wrong with this book. Nothing writing wise. It’s great and a really nice easy read. The actual words and writing style require fuck all thought and you can just concentrate on the story unlike say Vanity Fair where the story is good but the writing fucks you every time (tried to read it 3 times and fuck William Makepeace Thackeray. Seriously). I mean that sincerely it’s awesome to read. Not overly long and pretty action packed. Your interest is held really well.
The plot is what is the fuck wrong or possibly right with the book (it’s also a movie and a Netflix style series now I think). It’s pretty graphic when it comes to describing what happens. There’s a fair bit of sexualised murder of young women. There’s a lot of sex (mass orgy at a public hanging). The perfumers mum leaves him to die as a baby and goes to gaol for it. If that kind of thing triggers you in a massive way I wouldn’t even pick the book up because you’ll wreck yourself. I think it serves as a bit of a commentary on societies obsession with youth and it’s effect on people. I think it also a good piece of commentary on fame and infamy. Also, lets be real here it’s a bit of a low key brag because you’ve read a book by a famous reclusive German author that’s a bit edgy.
Give it a go because you wont be disappointed but don’t say I didn’t warn you.

domain: literature


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Jeremy 61 Tree Floor Lamp
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Jeremy 61 Tree Floor Lamp
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But how will you know what items you would like until you get a feeling of whats accessible? This is the time to do a small reconnaissance. Spend some time on Houzz and visit shops and collectibles shops. Go to your close to-the-trade design center (most allow customers to appear, although certainly not to purchase) and get a feeling of present styles, whats available and just what you want.
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Comfort is critical. Do not be scared to kitchen sink your money into seating.
Choose the right Jeremy 61 Tree Floor Lamp you can afford, advises Juestel. Try to sit or lie around the piece before you purchase, and if you can afford it, upgrade your cushions from strong foam to froth covered with lower. Should you choose much of your seated in the family room as opposed to the living room, do with the money those items, rather than on pieces thatll by no means get used.
Padded items really are a fairly large investment, so you will want stuff that will last via changes in your lifestyle and taste. Usually, its best to choose easy, clean outlines. And do not worry an excessive amount of about whether home furniture will go together, Caccoma says. In most cases, if you want the items, they will work together. Best places to shop, Juestel says, depends on your style, budget and high quality expectations as well as the amount of time you need to devote to the project.
If youre on a budget, think about shopping at secondhand stores, specialty shops, Craigslist and antiques shops, where you can often find leading-dollar merchandise at base-dollar prices.
If you do not have that kind of time, stick to trusted Jeremy 61 Tree Floor Lamp shops. Caccoma isn't a enthusiast of purchasing furnishings from shops, she says, simply because furniture is not their main company, so the quality differs and the designs may not be present. Also, steer clear of travel-by-night operations.
How can you tell a great furniture piece in one it is not so great?
If youre buying an padded piece, pick up a corner and shake it whether it feels light or wobbly, have a pass. Likewise, the heavier the cushion, the longer it will last.
When shopping for cupboards, search for compartments with dovetail important joints in the corners.
Looking for a mattress? Pay attention to coil depend: the higher the count, the better the support.


WOOLRICH Women’s Little Plum Run Dress
Warm and casual, the Little Plum Run Dress is crafted with a soft cotton blend knit in tonal, marled yarns. A cozy drawstring hood, v-neck and blanket stripe pattern bring the warmth and style of Woolrich blankets to your wardrobe.
This product will be shipped directly from Woolrich and will leave their warehouse in 2-3 business days. Eligible for ground shipping only.
- 60% Cotton, 40% Acrylic
- CB Length: 35 in.
- Archive Inspired Blanket Pattern
- Tonal Marled Yarn
- Hood with Knitted Drawcords
- Double-Knit Construction
- Fully Fashioned
- Machine Washable
- Regular Fit: Slight ease over the body for everyday comfort and a classic look
- Country of Origin: Imported


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Tiger Woods Gets In Practice Round at Atlanta Athletic Club
Following news that Tiger Woods would likely compete in the PGA Championship at the Atlanta Athletic Club in nearby Johns Creek, the golfer was spotted at the club today getting in some practice rounds.Full Story
#1 Aug 2, 2011
#2 Aug 29, 2011
The last three years Tiger have not done a thing yet the golf ratings are as high as ever. These young kids have really up the level of golf play. Golf is here to stay with or without Tiger.
#3 Sep 4, 2011
glad to see he is trying to get better
#4 Sep 16, 2011
Big deal, lol. The media is way behind we want to see rory, Rose , Keegan, et al.
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