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Give Kids a Routine with Plenty of Books and Exercise
Ryan Jacobson March 20, 2020 0	Family children, daily schedule, hiking, walking
If your children are anything like mine, their at-home dream routine is to wake up, play video games, and continue playing video games until they pass out. There is a remedy for this: a daily schedule. The kids might revolt without at least some time for video games, but a good day of structure also includes opportunities for learning and physical activity. My boys' days at home look like this:
9:00 a.m. — Breakfast:
The boys get free time before 9 a.m., mostly because the 13-year-old likes to sleep in. That gives the 10-year-old a chance to play video games, so he's happy. At 9 a.m., they are in charge of making their own breakfast, typically some combination of cereal, microwave bacon, and toaster waffles.
9:30 a.m. — Morning Walk:
It's time for some fresh air, so we go for a neighborhood walk. Of course, we bring our dog too.
10:00 a.m. — Study Time:
If there is homework to be done, this is the time. If not, the boys can choose an alternative, such as sudoku, journaling, or crossword puzzles. If you're at home, For the Birds Crosswords is a nice way to join in.
11:00 a.m. — Creativity Time:
This hour is for LEGO, arts & crafts, music, or cooking/baking with an adult. I love utilizing Homemade Bird Food. It blends kitchen time with bird-watching.
Noon — Lunch:
We all eat lunch together and then go for another short walk.
1:00 p.m. — Quiet Time:
The boys are expected to read for 30 minutes. The 10-year-old is into sports books like Phillip Lindsay. The 13-year-old prefers fantasy and is making his way through The Lord of the Rings.
1:30 p.m. — Learn Something New:
The boys choose an educational video to watch on YouTube (e.g., how to use Microsoft Excel); a how-to book to read, like Essential Knots; or we show them how to do something around the house, such as laundry.
2:00 p.m. — Ask Mom or Dad:
There are at-home projects that need doing. The boys can spare 30 minutes to help out.
2:30 p.m. — Free Time:
For a job well done, the kids get to do whatever they'd like, including video games.
3:30 p.m. — Exercise:
The children are expected to spend some time each day getting sweaty. This can include anything from running to playing basketball. In case of bad weather, we turn on an exercise video.
4:00 p.m. — Connect with a Friend:
Call a friend, write a letter to Grandma, send texts to a bunch of buddies—we want our boys to stay connected with the people in their lives.
4:30 p.m. — Study Time:
Here, the boys find something quiet, calming, and educational: Finish homework, read, or work on a puzzle. If they are feeling rambunctious, we'll send them outside with a bird identification guide or Backyard Bugs to catalog what they see.
If homework is finished, video games are allowed again.
5:30 p.m. — Dinner:
We always eat together at the dinner table.
6:00 p.m. — Family Fun:
We might go on a hike or a bicycle ride, play a board game, or have a Nerf war. Once a week, we even play video games together. This is our time to do something fun as a family.
7:00 p.m. — Movie:
We wind down together with a movie or a television show.
8:30 – 9:00 p.m. — Bedtime:
The boys get one more chance to read (because we love books), or they can go right to bed.
This is currently our Monday–Friday schedule. On the weekends, we let the children enjoy more time with their video games, and we do more activities together. I encourage you to find a routine that works for your family and stick to it. It helps everyone feel a greater sense of "normal" when we know what to expect each day.
Ryan Jacobson is a children's author and public speaker. He has written more than 50 books, including Lost in the Wild and the Constellations Activity Book.
Help Kids Deal with Anxiety About Black Bears
Ryan Jacobson October 4, 2019 0	Family, Wildlife black bears, children, Stan Tekiela
My two boys aren't exactly afraid of black bears. But we live in bear country, and we are thinking about moving a few miles out of town. While exploring a beautiful wooded property yesterday, we came upon some bear scat. When the boys found out, I could tell that they felt nervous. Buying a house is stressful enough without adding unnecessary fears. To ease their worries, we are going to celebrate these icons of our wild places in three steps.
1. Just the Facts
When it comes to feeling safe, the facts are on our side. A logical look at the information demonstrates that there is little reason to fear. According to the North American Bear Center (NABC), fewer than 75 people have been killed by black bears since 1900. Obviously, that's less than one fatal attack per year across the entire continent.
While every death is tragic and should not be taken lightly, according to the NABC, many could have been avoided. In most cases, the bears attack because they are surprised and feel threatened. By making plenty of noise while moving around outdoors—not a problem for our two boys—the risk of a bear encounter is incredibly small. Keep a safe distance after spotting a bear. For older children (and adults), a can of pepper spray adds yet another layer of security that might help everyone feel prepared.
2. Books About Black Bears
More good news about these majestic mammals—they are adorable! Gather the family, grab a photograph-heavy book, and enjoy. My favorite option is Bears by Stan Tekiela. The pictures are spectacular, and the natural-history information is fascinating. The book also features brown bears and polar bears, an added bonus. The topics range from their furry coats to communication to hibernation. By the time the kids finish Bears, they will be experts who look forward to moving.
Admittedly, younger children might not appreciate the in-depth discussion (although they'll love the photographs). For them, a book like Baby Bear Discovers the World might be a nice substitution. It still has Stan Tekiela's photography, and it's a heartwarming story about a cub who ventures into the wilderness.
3. Trip to the Zoo
With anxiety levels decreased and with interests piqued, the final step is to show the children real-live black bears. A visit to the zoo is a fun and safe way to see the animals lumber about. While their impressive size might be a jolt, their nonchalant mannerisms are anything but scary.
By this point, the children shouldn't just be over their bear anxiety and excited about moving, they might start asking to get one as a pet! It's proof that a little bit of information and experience can go a long way toward easing one's fears. Hopefully, it makes buying a house (and seeing bears in the backyard) more exciting for everyone.


I love an oversized varsity sweater. It brings me back to my high school days and also makes for a slightly interesting sweater option. When it's on the longer side too you can pair it with leggings, leather leggings or skinny jeans. I dressed mine up a bit with hanging earrings and a clutch. It's also cute unbuttoned over overalls or a little dress.


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Nepal the land of Himalayas is one of the most beautiful countries in the world. It is the perfect place for holidays as the country is blessed with enchanting tourism and attractions and magnets tourists from the entire globe. On your Nepal tour package you have wonderful opportunity to see and explore the rich culture and tradition of Nepal, fascinating heritage attractions, royal kingdoms and durbars, breathtakingly beautiful snow capped mountains, virgin beauty of the nature, marvelous art and crafts, UNESCO World Heritage Site and many other exciting places of tourist interest. Due to the unparallel beauty of Nepal tourism, tourist from the entire globe visits this country to enjoy holidays and delight in the adventure tours.
Nepal is home to the eight out of the ten highest peaks in the world including Mount Everest the highest pinnacle in the entire globe. Due to the breathtaking beautiful of these Himalayas and the gorgeous landscapes and rocky trails, Nepal adventure tour and Nepal trekking tour is very common among tourists and adventure enthusiasts. It is also the land of scenic beauty with gorgeous valleys, green meadows with blossoming flowers, deep gorge, magnetizing waterfalls, pristine lakes and rivers and many other heart grabbing attractions. Due to all these, Nepal the land of Buddha is one of the most sought after tourist destination in South Asia. Play for a tour availing the well knitted Nepal holiday package and explore some of the major highlights of the country and treasure remarkable experience.
Trek Duration : 16 Night / 17 Days.
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Best packages on your budget.
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Best budget travel with experienced staff.
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+ Combo Co-Op
9/28/2020 at 12:00 PM by Enoch Starnes 0
'Tis the season.
Overcooked! 2 Is Getting Free Content Later This Week
Ah, it's that time of year again. The leaves are turning. There's a slight bite in the wind. T-shirts are being swapped out for hoodies. Oh, and customers are starting to yell at you for leaving out the pumpkin spice instead of the ketchup. It must be fall in the world of Overcooked! 2.
6/25/2020 at 3:00 PM by Enoch Starnes 0
The sun's out, so legally speaking, you have to.
Get Your Buns Out For Overcooked! 2's Next Free Update
Overcooked! 2 is the gift that keeps on giving these days. The base game arrived close to two years ago, and ever since, Team 17 has been pushing out content at a rapid rate. While there are a few paid DLC packs that each add a substantial amount of playtime, much of the downloadable content has been added free of charge.
5/14/2020 at 11:00 PM by Sponsored 0
Castle Crashers, Kingdom 2 Crowns, and Overcooked 2
A Review of Indie Co-op Games
While it's fun playing in an online casino like GClub to pass the time, it's equally enjoyable playing co-op games with your friends from your location of choice. Playing cooperative games builds trust and closeness between you and your loved ones, and it's more relaxed than a casino environment.
All hail our true hero, Kevin.
Overcooked! 2's Gourmet Edition Is Out In April
The chaos enthusiasts over at Team17 have pumped out tons of extra Overcooked! 2 content since its original release, and they sure would love to spread it to the world. Perhaps it's a gesture of good will, or maybe they just enjoy being the cause of kitchen-themed panic, but either way, they're releasing a new "Gourmet Edition" of the title on April 7th.
12/19/2019 at 4:00 PM by Jason Love 0
As if holiday cooking wasn't stressful enough
Bake Some Festive Treats in Overcooked! 2's Winter Wonderland Update
Team17 and Ghost Town Games have added some free content to the wonderful world of Overcooked! 2. If you're looking to get into the holiday mood with some mince pies and Christmas puddings, then you might want to fire up the game and enjoy the free "Winter Wonderland" update, which was released just a couple days ago.
Guess I need to practice my balloon animal techniques.
Overcooked! 2's Next DLC Is Out In September
Those ambitious chefs over at Overcooked! 2 seem to have done it all. They've diced veggies in the midst of zombified hordes. They've prepped fancy meals in the great outdoors. On September 12th, they'll dive headlong into their next adventure: satisfying the unfed masses of a wacky carnival.
Never before has cooking been this spooky.
"Night Of The Hangry Horde" Out Now For Overcooked! 2
Most video games seem to view zombie hordes as obstacles to be avoided and/or destroyed, but Overcooked! 2 takes a different approach. In developer Ghost Town Games' eyes, the Unbread are driven by hunger, so why not just feed them?
I can smell the campfires already.
Camping DLC Coming To Overcooked 2
You've cooked in dilapidated restaurants, you've cooked on top of a hot air balloon, and you've probably cooked on the ice of a frozen lake, but now, you'll be facing Overcooked 2's toughest challenge yet: The Great Outdoors.
2/5/2019 at 1:00 PM by Enoch Starnes 0
New content galore!
Overcooked! 2 Celebrates The Chinese New Year With More Free DLC
The popular chef'em'up, Overcooked! 2, has been pumping out that sweet, sweet content since its release back in August of last year, and that wonderful tradition continues today.
Bring us some figgy pudding
Bake Some Christmas Cheer in Free Update for Overcooked! 2
Just when you thought it was safe to go back into the kitchen, Ghost Town Games and Team17 dropped a free update for Overcooked! 2 last week that adds some new levels, a few new recipes, and a couple new chefs to use. "Kevin's Christmas Cracker" is available for all versions of the game and, as this is an update, it'll get added automatically.
10/4/2018 at 3:30 PM by Enoch Starnes 0
Time to pack up and head straight for the coast.
Surf'n'Turf DLC Available Now For Overcooked 2
As the prophets foretold, everyone's favorite chef simulator, Overcooked 2, was blessed with some new content on October 3rd. The new DLC, titled "Surf'n'Turf", is available now for all to enjoy and adds plenty of new beach-themed content.
What could it be?
Something Mysterious Is Coming To Overcooked 2 Next Month
In the age of data-mining and social media, it rarely feels like games have much mystery left. The folks over at Team17 are trying to change that just slightly by teasing some new content coming to Overcooked 2.

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North Korea Indie Travel Guide
photo: WanderingSolesPhotography
Start with the North Korea Basics.
North Korea has been cloaked in secrecy for decades, off limits to the rest of the world and obscuring the rest of the world to its citizens. North Korea placed very narrow restrictions on travel and forbid much of the world from joining. Only recently have family of North Korean citizens been allowed into the country for short visits.
North Korea is also opening up slightly to newspapers and TV stations. Recent highly controlled, limited access to the country by the international media has begun to lift the shroud from North Korea, but the country is still one of the most reclusive nations in the developed world.
Traveling to North Korea has been impossible for years for the average traveler, but as the country opens up slowly, the opportunity for travel is beginning to present itself. Travelers have to book tours through a North Korean travel agent and the Korean Friendship Association, and anyone suspected of being a journalist may be denied entry.
American travelers are almost never allowed into the country except as part of special delegations invited by the government.
Under no circumstances should you say or joke about anything that could be perceived as a threat or criticism of Kim Jong-Il or the country itself. This is extremely important. You'll be in real trouble, although your travel guide will probably take the more extreme punishment as you are somewhat protected by your foreign citizenship.
Read: DMZ: Somewhere on the 38th Parallel
Updated 2016 Start with the North Korea Basics. North Korea has been cloaked in secrecy for de...
My indie travel rating for North Korea:


So you're finally thinking of opening a US dollar bank account for your cross-border needs. Well, you're in luck, there are a number of options available to you and we have done all the research for you.
The big five Canadian banks all offer US dollar bank accounts, however, some offer better cross-border solutions than others in terms of breadth of service, ease of use, pricing, convenience, and suitability.
TD Bank and RBC both offer complete cross-border packages while Scotiabank, BMO, and CIBC offer more traditional cross-border banking solutions.
Here is a compilation of all the important information you'll need to make the best choice. Don't forget, while the bank's offer products suited for cross-border activity, they still charge outrageous currency exchange rates and this is where KnightsbridgeFX can help you save money, up to 2.5%.
KnightsbridgeFX provides significantly better exchange rates than the Canadian banks and can save you hundreds to thousands of dollars on US dollar currency exchange. Banks charge up to 2.5% hidden within the exchange rate. Stop overpaying with the bank when exchanging Canadian to US dollars.
Click here to see a comparison.
TD Bank operates in Canada as TD Canada Trust and in the US as TD Bank. Having a strong US operating arm allows them to offer what is called the "US Borderless Plan".
In the past, conducting transactions between Canada and the United States required you to have two separate accounts located in each country, making the process slow and cumbersome. The TD Bank US Borderless Plan eliminates this problem by essentially creating one integrated platform for all of your cross-border banking needs.
The plan includes a US bank account which comes with a US credit Card with annual fees waived and many discounts and insurance benefits. The plan also allows for the purchase of a US mortgage with little hassle.
The plan is quite affordable and is made for frequent US travellers/purchasers. The monthly fee is $4.95; however with a minimum account balance of US$3,000 this can be waived.
In terms of the associated US credit card received from initiating the US Borderless Plan there are several benefits. Fees incurred from non-TD ATM transactions are waived regardless of your account balance. Furthermore, if your account balance meets the minimum requirement, other non-TD fees will be reimbursed.
Another benefit of having a TD US Dollar Visa card is that it gives you access to preferred exchange rates from TD while avoiding conversion fees and currency exchange services. As at June 9, 2015 3:45pm the borderless plan offered .0059 better on buying USD/CAD and .0079 on selling USD/CAD.
Lastly the TD US Dollar Visa Card can be used at one of many US TD Bank ATMs without paying additional system fees outside of foreign exchange fees.
There are many positives associated with the plan in general. First off, when applying for a US mortgage, home equity line of credit or US-dollar credit card through the TD Bank, credit history can be based off of Canadian and US assets, income, and credit history. This is useful for people who do not have an established credit history in the US such as first time vacation property purchasers.
Additionally, transferring money between Canadian TD accounts and American TD Bank accounts are free of wiring transfer costs. Furthermore, when opening a US based TD Bank account, a US address is not necessary. If you require funds but are currently in the US, you also have the option to withdraw funds straight from your TD Canada Trust account through any TD Bank ATM. Having TD ATM's and branches in the states is also another advantage as other big Canadian banks besides BMO's Harris Bank do not.
Lastly, transacting between Canadian and US bank accounts can tend to take longer than a domestic transfer and a big advantage is TD's extended business hours where it is open 7 days a week and longer than other banks.
Although there are many positives associated with the plan, there are some cons. Most of TD's branches are located on the East Coast to suit the needs of Canada's snowbird population. As a result, most branches and ATM's are located in the Arizona and Florida regions.
There is also disappointment for those hoping to be able to access Canadian TD bank accounts in the US as US staffs are not able to access Canadian accounts and vice versa; however, this is standard for all banks.
Another con associated with the nature of cross-border transactions, and as previously mentioned, is that transactions tend to take more time. Traditional ATM or debit transactions can take 1-3 days to show up on your statement while bill payments to payees can take 5-7 days to be processed.
Lastly, as with all current cross-border solutions, automatic bill payment is not possible to US payees from Canadian accounts, however, money can be transferred between Canadian to US accounts to pay US bills directly online. It is important to note that automatic transfers are also not possible.
In terms of how easy the product is to use, it is quite simple to sign up. Signing up simply requires a phone call or a visit to the branch to talk to a representative that can facilitate the process. All that is required is a Social Insurance Number, Driver's License or Health Card, Bank Account at TD, and a Passport.
You are also able to transfer up to $100,000 per day free of charge by phone wire and up to $2,500 online free of charges. Support is available 24/7 through their dedicated phone support line and informational website.
Lastly, a big advantage is that both American and Canadian accounts are visible at the same time online for ease of transfer and bill payment and accounts can also be connected to PayPal payment services.
In terms of reviews, TD Bank has recently raised some fees with regards to minimum account balances and transaction costs to the dismay of many customers; however, TD's US borderless plan is still regarded as one of the best services offered in Canada. For those wishing to travel to Cuba and use debit, TD Canada Trust Visa Debit Card provides an option to use debit aside from CIBC and DesJardin's equivalent.
Be aware that there are complaints with regards to the nature of the two operating arms. TD Bank is noted as a separate bank to TD Canada Trust (Canada's operating arm). There have been inconsistencies in service in the past upon launch of the product. However, since then they have continually improved the service.
RBC offers a similar service to TD's US Borderless Plan with its own RBC Cross-Border solutions. The plan is not structured as comprehensively as TD's and is more of a mix and match structure, however, the service is just as good and offers plenty. RBC's cross border solutions include US bank accounts, US credit cards, and US mortgage solutions and aims to eliminate the need for two separate accounts.
RBC's cross-border solutions are also relatively affordable starting with its US chequing accounts. Its cheapest account, Direct Chequing, starts at $3.95/month with their Premium Chequing starting at $9.95/month.
In line with TD Bank's offerings, RBC does not charge for the transfer of money between accounts. RBC also provides preferred rates for cross-border customers; however, this rate is not disclosed until the final steps before confirmation of trade. Most likely, the preferred exchange rate is similar to TD's discount.
In addition, all transaction made at PNC Bank ATMs come free of charge and other bank fees are reimbursed upon request. Associated with the US chequing accounts is their US credit cards of which there are four to choose from. They include Visa Signature Black, Visa Signature Black Plus, Visa Platinum, and US Gold Card (Canada). Each card comes with unique coverage, discounts and benefits, and respective fees. For those wishing to avoid fees, no fees are applied on the Signature Black and Visa Platinum cards.
Overall, the plan comes with similar pros and cons as the TD Borderless plan with some slight differences. Just like the TD plan, with RBC's cross border banking solutions, you can apply for a US mortgage, home equity line of credit or US-dollar credit card based on your Canadian and US assets, income and credit history, which eliminates the need for US credit history for big purchases such as property.
Another similarity to TD is that you do not need a US address to open an account and transfers between Canadian and American accounts are free of wire transfer fees. Unlike TD, however, RBC does not have any physical branches or ATM's in the US as they sold their US service arm to PNC Financial Services in 2011; fortunately, they were able to strike an agreement to let RBC customers use RBC Bank Visa Debit cards at any of more than 7,100 PNC Bank ATMs with no fees. This may be comforting to some as this is much greater than the number of TD Bank ATM's in the US.
Many of RBC's cross-border solution cons are similar to TD's plan. Although there are no US Branches, RBC bank staff are not able to access Canadian based accounts anyway which has to do with laws and regulations. Automatic transfers between Canadian and US accounts to pay bills are also not currently available, however, like TD; transfers from Canadian accounts to US accounts can be done to pay bills directly online.
Lastly, RBC does not have branches and therefore unlike TD's extended hours can be troublesome if trying to sort out an issue. Planning ahead may be wise as US transactions take a slightly longer time to settle with 1-3 days for ATM or debit transactions and 5-7 days for bill payments processed by merchants.
In terms of ease of use, it is just as easy as TD's process and only requires a phone call or a visit to the branch. You will also need your Social Insurance Number, Bank Account, Passport and Driver's License. A benefit with RBC's service however, is that you can transfer up to $25,000 online versus TD's $2,500, allowing for more flexibility. Anything else within the amounts of $25,000 to $100,000 will require you to contact the bank to set up a transaction.
Like TD, RBC's services are also compatible with PayPal accounts and overall, reviews have been quite positive with fewer complaints at launch compared to TD. Unfortunately, RBC has announced it will raise rates in line with TD's and other big banks recent price adjustments to combat shrinking profit margins.
Although BMO operates in the US as BMO Harris Bank, their cross-border solutions are not as comprehensive as TD Bank and RBC. A good way to compare BMO against the big five banks is that its services are similar to CIBC and Scotia's, however, BMO offers more in terms of flexibility, benefits, coverage, and discounts than CIBC and Scotia.
Again, the main difference between BMO versus TD and RBC's plans is the ability to view both accounts at the same time on an integrated platform.
In terms of US bank accounts, BMO offers many options to suit your lifestyle. The first step is opening a primary chequing account and a US Dollar Premium Rate Savings Account which allows you to earn interest on savings deposits. From there if you belong to a special group such as kids, teens, or seniors you are eligible to receive a discount.
Finally, you pick a plan that suits your lifestyle needs. There are five plans ranging from a Practical Plan to a Premium Plan each with unique features. For example, the Practical Plan includes 12 monthly transactions and a monthly fee of $4 which can be waived on a minimum balance of $1,500 or more.
The Premium Plan includes unlimited monthly transactions at a monthly fee of $30 which can be waived on a minimum balance of $5,000 or more. Like a regular Canadian bank account, the US bank account allows you to manage money by setting up direct deposits and pre-authorized payments amongst other services. There are also budgeting tools and travel services available with the bank account.
Associated with its US bank accounts, BMO also offers credit cards and mortgages based on Canadian credit history. Similar to CIBC, the annual fee is $35 however there are some unique features and benefits that come with the card such as rebates, extended warranties, and purchase protection on purchases made with the card.
If this card does not suit your needs, BMO also offers World credit cards at much higher annual fees. BMO is generally a good option for BMO customers because a US dollar account can be added at no additional monthly cost and does not change the current plan a BMO customer may have. Reviews on BMO's cross border services are generally pretty good and are suitable for frequent US travellers looking for a simple and effective product offering. BMO accounts are compatible with PayPal accounts.
Unfortunately, CIBC's cross border banking solutions are limited when compared to RBC and TD. Since their involvement in the Enron debacle, they have slowly been making a name for themselves and were amongst the first to offer a US visa debit card. Unfortunately, their main focus at the moment in the US is wealth management so there are no retail locations. However, they do currently provide US bank accounts and US credit cards for US travelers. The main difference between CIBC versus TD and RBC is the ability to view both accounts at the same time on an integrated platform.
In terms of their US bank accounts, CIBC offers a simple way to manage US funds but not much more than that. Like any standard foreign chequing or savings account, their US bank accounts allow for deposit and withdrawal of US funds without having to convert currencies. It also allows CIBC customers to transfer funds to other accounts online or at any CIBC branch.
A benefit with choosing a CIBC US bank account is that there are no monthly fees and you essentially pay as you go with a .75US fee on transactions that include cheques, withdrawals (including ABMs), transfers, pre-authorized payments, bill payments, and debit purchases. Interest can be earned but varies depending on your bank account balance. Applying is easy and only requires you to phone or visit a local branch with appropriate identification.
Another option that CIBC offers is its US credit cards, however, they do not offer as much in terms of benefits, coverage, and discounts as TD and RBC although they do offer perks such as Avis and Budget car rental discounts. The card charges an annual fee of $35 with no fees on up to an additional 3 cards and allows the user to set authorized user spending limits and other tracking features.
Unfortunately, reviews of this product have been mixed with many pointing to the lack of insurance coverage and benefits such as pay at pump at gas stations. For those wishing to travel to Cuba and use debit, CIBC also offers the CIBC Advantage Visa Debit Card which is one of the only accepted cards aside from TD and Desjardin's equivalent. CIBC is also compatible with PayPal accounts.
Scotia is very similar to CIBC in its US cross-border solutions and includes a US bank account and US debit cards. Scotia's offerings relative to its competitors is quite small, however, they do offer a cost effective solution for basic cross-border needs.
Unfortunately, Scotia does not have any US retail locations. The main difference between Scotia versus TD and RBC is the ability to view both accounts at the same time on an integrated platform.
The Scotia US Dollar Daily Interest Account allows users to earn interest on US funds in a tiered structure based on daily closing balances. The account costs $1 per month which can be waived on a minimum balance of $200. It includes two free transactions with a $1 fee on each subsequent transaction.
The account, like the US accounts offered by the other big Canadian banks, allows users' access to competitive foreign exchange rates and transfers between Canadian and US accounts online. To sign up, options include visiting a local branch, by phone, or online with the appropriate documentation.
Scotia does not currently offer cross border credit cards, however, it offers cross border debit cards which are essentially a good substitution for cash. The two cards are ScotiaCards with VISA debit and ScotiaCards with NYCE. The difference between the two cards is the fees that are applied. There is no transaction fee on the VISA debit card while there is a $1 transaction fee on the NYCE card on top of the currency exchange fee.
Leave us a comment below on your experience with cross-border banking with the Canadian banks and we will incorporate your feedback in to our comparison.
I am a snowbird living in Ontario, who has a young family living in Florida. As a new Grandmother, I would like to pay for my grandson's US education plan. The parents have made their choice and I would like an account that would allow the education plan provider to take their monthly fee directly out of my US account. I have tried with Scotiabank here in Ontario, but they couldn't meet my needs. Would you happen to have a suggestion as to which bank would be best suited to this type of transaction? I'm sure there must be plenty of Seniors with this type of question. Thank you for your time and your expertise.


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Ahavat Olam is a volunteer community and does not have any staff clergy. However, we have associations with several Vancouver area spiritual leaders:
Rabbi Dina-Hasida Mercy is an independent, liberal rabbi who offers her warm and capable services for life cycle events, teaching and spiritual counselling. Currently she serves as the Chaplain of the Jewish Chaplaincy Society and as the Jewish Chaplain for the federal prisons in the Pacific region of Canada. Many of the people she has worked with do not belong to synagogues or have needs that cannot be met in most synagogue settings. She believes that everyone should have access to their traditions regardless of the directions our lives sometimes take. To learn more about Rabbi Mercy please visit her website at http://rabbi-mercy.com/
Rabbi Susan Shamash is a progressive, independent rabbi, passionate about "open tent" Judaism. She was ordained as a rabbi by ALEPH: Alliance for Jewish Renewal, which is part of a worldwide effort to fully embrace a contemporary egalitarian Judaism as a profound spiritual practice and social transformer, reaching beyond religious boundaries and institutional structures. She uses her voice to share this vibrant form of cutting edge Judaism with the metropolitan area of Vancouver, BC through her various events and engagements. To learn more about Rabbi Shamash, please visit her website at https://www.rabbisusanshamash.com/.
Cantor Shira Stanford-Asiyo is committed to creating vibrant inclusive community. She is currently developing Hamakom, a progressive Beit Midrash (community of learning), which provides fun and unconventional progressive Jewish programming. Cantor Shira Stanford-Asiyo was invested by the Reconstructionist Rabbinical College and has 15 years of experience as an educator, clergy person, and community organizer. She loves working with individuals, couples and families to create meaningful life cycle rituals. She is happy to provide individual tutoring, as well as spiritual counseling. Cantor Shira can be contacted at 778-999-7447 or cantorshira@gmail.com.
Ahavat Olam is a progressive, activist synagogue in Vancouver, BC, that welcomes everyone – people of all backgrounds, affiliations and orientations.
#201 – 4088 Cambie Street,
Vancouver, BC V5Z 2X8.
Email: info@ahavat-olam.ca
We are delighted to hear from you!


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Reading: The Four oh Five
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Music · Reviews
Bon Iver - 22, A Million
With 22, A Million Justin Vernon shows that his greatest skill as a performer is not simply his ability to craft beautifully original music, but is found in his knack for seamless reinvention.
Zachary Evans03 Oct, 2016
Five years ago (almost to the exact date as I sit and write this), I traveled from Boise, Idaho to Portland, Oregon and back - over seven hours each way - in less than 24 hours with my best friend Tori to see Bon Iver perform. Many other friends from Boise were also driving over for the same show on a much less restricted timetable, but Tori's college schedule made this impossible for us. Bon Iver's music had already made a serious impact in both of our lives, and would continue to do so, but the experience of seeing it live was a transformative one, which was undoubtedly worth the exhaustion.
Since then, I have struggled with whether I wanted another Bon Iver album. After all, Justin Vernon has done amazing work outside of Bon Iver both before Bon Iver, Bon Iver, and since. Whether it be the two albums each from Volcano Choir and The Shouting Matches, or collaborations like his surprising but impeccable work with Kanye West, or the criminally underrated R&B slow jam super group Gayngs.
Bon Iver's third album, 22, A Million, however, breaks down any trepidation I had about a new Bon Iver album, while proving that Justin Vernon is a master at swerving around assumptions and repetition in favor of reinvention and progression. It would be a massive understatement to say it was a bold choice for Justin Vernon to so severely depart from the things that initially brought him so much attention and adoration among indie music fans. This admiration started with the stripped folk of For Emma, Forever Ago, his renown growing with the follow-up record, Bon Iver, Bon Iver, into Grammy wins and SNL parodies (being played by Justin Timberlake, at that). However, the decision to once again evolve his sound was clearly not made either haphazardly, or as a direct and spiteful rejection of these older techniques. Instead, it is a transcendent evolution of Vernon's musical voice.
On the song most closely resembling Bon Iver of days past, '29 #Strafford APTS', Vernon sings in his familiar falsetto over bright, pleasant acoustic guitar. However, despite how safe this song seems, compared the rest of 22, A Million, the irreverent distortion of Vernon's signature falsetto clearly demonstrates that his old formula has been superseded. One of the hardest things for any artist to achieve is to become known and loved for something, and then swerve in a new direction while retaining their artistic identity. With 22, A Million, however, Justin Vernon shows that his greatest skill as a performer is not simply his ability to craft beautifully original music, but is found in his knack for seamless reinvention.
Since For Emma, Forever Ago, Vernon's unique falsetto has been such a hallmark characteristic of Bon Iver that it had the very real possibility of becoming their defining feature in a reductive and negative way. However, instead of letting this become a trope, Vernon has expanded the use of his voice through the use of things like autotune, glitched-out vocal sampling and other idiosyncratic vocal effects, as well as expanded use and quality of his lower register. On Bon Iver, Bon Iver, the growth away from the wintry and isolated atmosphere of For Emma, Forever Ago was bombastically established in the initial moments of the opening track 'Perth', with bright and chiming electric guitar, followed by a snare drum march that crests into a triumphant and declarative entry of the rest of the band. By starting their second album this way, Bon Iver signaled that it wasn't going to simply stay within the musical lane that For Emma, Forever Ago was in.
Similarly, the evolution of Vernon's voice, and what the role of vocals on 22, A Million is made clear on opener '22 (OVER S∞∞N)', as the first things heard on the album are two layered vocal samples. If Vernon has taken anything away from his collaborations with Kanye West, it is clearly his approach in using vocals in a wide variety of unexpected ways, breaking out of traditional uses and into innovative fashions to use voices as instruments themselves. In this way, it is fitting that these vocal samples come in before Vernon begins singing, just as Vernon's voice is the first one heard on West's My Beautiful Dark Twisted Fantasy.
Overall, on 22, A Million, Bon Iver delivers a scattered, unexpected and unpredictable experience, that still somehow manages to remain cohesive and engaging from beginning to end. It throws off the expectations of the past without disappointingly abandoning the things that endeared Bon Iver to people in the first place. Instead, these things are reimagined and brought forth in new ways. The sum of its parts adds up to Bon Iver's most challenging work to date; 22, A Million is an album that rejects comfort and expectations in favor of provoking listeners to make new discoveries. If this challenge is taken, it is a rewarding experience that only grows in beauty with each listen.
Recommended Headphones Under £50: SoundMAGIC E10S Headphones
Rega Planar 1 Turntable
Orange micro crush amp
Recommended Headphones Under £50: FiiO EM3
Recommended Headphones Under £50: AKG Y50
Praying Hands Black Tee
Dafy Hagai: Sunset
Radiohead's A Moon Shaped Pool on vinyl
David Hockney: Ravel's Garden with Night Glow
David Hockney: Two Dancers Poster


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Yagmur Ozden mother 33, killed in horror crash
A car that was horribly damaged on a Tube track and killed a 33-year-old mother has been identified. A 12-year-old girl's 'devoted' mother and beautician, Yagmur Ozden, was a passenger in a Range Rover that slammed into a Tesla charging station before coming to rest on the tracks at Royal Park Station in West London.
Her family have described her as an angel who was very funny and could cheer up even the saddest person. Her family, who were abroad at the time of the crash, said: "She had an amazing bond with her daughter and her daughter will always cherish those moments she had with her mum."
Rida Al Mousawi, 24, has been identified as the car's driver. According to MailOnline, the two met that evening in a shisha joint. The 26-year-old friend of Yagmur, Zamarod Arif, and the jewellery store manager were reportedly in the vehicle when it was involved in a 4×4 accident on the A40 at 3.50 am on Monday (August 22).
While Zamarod survived the collision with a broken arm and leg, the other man is still in a coma at St. Mary's Hospital in Paddington. Raza Arif, Zamarod's brother, claimed that the seatbelt was the only thing keeping her alive. "It meant a lot that she survived," he continued. That is my everything—that is my blood, that is my body.
Yagmur's relatives told the MailOnline that she had always been terrified of driving at high speeds and of being in moving vehicles.
The A40 can be very dangerous around the scene of the incident, a local told MyLondon. "I heard a loud smash," said Nada Alobaidi, 31, who resides in a residential building near to the train station. When I stepped outside, I noticed numerous police officers and an ambulance. Smoke was everywhere. Since it was nighttime, I didn't notice the car. The area around Park Royal Station on the A40 can be rather hazardous. Automobile accidents do occur occasionally.
Police are still looking into the collision. Jim Hinchcliffe, a detective sergeant with the Serious Incident Inquiry Unit, said: "We are still looking into all of the circumstances surrounding the collision as this is still an active investigation. I am aware that there is a lot of speculation around the events, including whether there had been racing in the vicinity before, and all of this is being looked into."
Read More: Greater Manchester Police Looking for John Bellfield murder suspect
Yagmur Ozden


3 Ways to Wear White Jeans for Spring. Spring outfit ideas. Bauble bar Crispin earrings. Black peplum top. Chloe bag.... Having already written an article on how to wear white jeans quite a while ago, I will focuss on an autumnal take on this question. I love to mix white with other shades of it, warm neutrals or warm shades as well as with dark colors.
11/05/2018�� Latest, trendy and cozy white jeans lookbook ideas.Watching the video will force you to get back soon. so enjoy the video.I found best trendy white jeans outfits ideas 2018 and what to wear with... It finally seems like spring might be here to stay! I�m a fan of wearing white denim pretty much year round, but I rounded up ten of my favorite spring outfits I�ve worn on the blog with white jeans.
I love white jeans. I think I actually like wearing them more in the winter than I do in the spring and summer. Is that crazy? I thought today I�d share an easy post with some ideas on how to wear white jeans in the winter.
I�m convinced white jeans are the chicest thing you can own. Like any outfit that includes white jeans instantly makes me jealous even if it�s basic beyond.
Are those white jeans in your closet just begging to be worn? Here's how to wear them for summer, complete with outfits ideas I think you'll love. Here's how to wear them for summer, complete with outfits ideas I think you'll love.
3 Ways to Wear White Jeans for Spring. Spring outfit ideas. Bauble bar Crispin earrings. Black peplum top. Chloe bag.


Hillary's ego will be the death of her. Or even worse, the death of many others.
Turks are now angry on Americans because Americans do not want to give them Hungary. Now they are threatening America by playing with Putin. They are really angry.
They don't care about her. Self dealing. You reap what you sew.
So maybe she's keeping herself alive by living in the past? Maybe she can't even TAKE modern medicine. Y'know what I'm saying?
It remains to be seen but, I think there is a good chance the Clinton campaign will try to use her failing health to their advantage. The spin doctors that be may try to make Trump look like the big bad bludgeoning ogre for even mentioning the fact that she has ailments. Dr. Drew mentioned she was receiving outdated treatment. With all that money you would think she could afford the best medical team of doctors.
I don't wish illness on Hillary. I hope she is in the best shape possible when Trump hands her a defeat this November 8th!!!
That clandestine plane thete a thete was likely discussing Hillary's "make a wish" due to her terminal illness. Comey granted iy.


Nose has lightly oxidized yellow apple peel, wet seashells, freshly cut pear, light creamy oak, fresh lemon pith and light honey.
Palate has light salinity, lemon skin, honey on oak slab and under-ripe peach.
Beautiful wine, great (medium) acidity, yet still young. Likely this will benefit with another 4-6 years of rest. Oliver Lamy is one of the best Saint-Aubin producers, and this bottle is proof, chaotic vintage and still shining.
@David T Thank you so much for turning me towards Oliver!
@Jordan Wardlaw Nice! Wish that @Delectable Wine wasn't having weekend issues again, pics are not pushing on devices or website. Either way looking forward to your notes.
@Severn Goodwin Glad you are enjoying! Really enjoy Olivier's craft.
William Fèvre started with a small harvest of 7 hectares in 1959. Currently, this domain is among the largest in Chablis, featuring around 15 hectares of Grand Cru vineyards over a total of 78 hectares of crops.
Bougros is a single vineyard of 2.11 hectares on a steep slope on the northern side of the Serein river. Its southern exposure is ideal for the maturation of the grapes at these northern latitudes. The soil, a mixture of gravel and clay, plays a fundamental role in keeping the yield low. 50% of the wine is maturated in French old oak for 6 months.
The color is a wonderful pale yellow, irradiating the tablecloth with light. Leaving an appropriate time to rest, the nose shows complex layers and multiple notes, starting from an initial bouquet of flowers, jasmine and elderflowers, going to citrus, lemon in particular, and ending with the typical notes of wet stone and flint characteristic of the Chablis region. We must also notice some ripened fruit (peach in particular) which looked out of place in this classical, impactful range of flavors.
The taste is full, sappy, medium to full body with low to medium alcohol and medium to high phenolic concentration (thanks to the perfect exposure of the vines). Dry, with high acidity that lingers on the palate for a long time, while herbaceous and flinty notes dominate the aftertaste. No trace of the sweetness that can be found in the nose.


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Maria Cantwell
Position: Senator ( WA )
Party Affiliation: DEM
Opposes BDS
Supports the Two State Solution
Supported the Combating BDS Act of 2017
Supported the Israel Anti Boycott Act
Opposed UN Security Council Resolution 2334
Supported the United States Israel Security Assistance Authorization Act of 2018
Voted For the Strengthening America's Middle East Security Act of 2019
Supported the Iran Deal
Maria Cantwell was born in 1958 is currently serving as the junior United States Senator from Washington. Senator Cantwell was reelected in 2018 and her seat will be up again for election in 2024.
Senator Cantwell previously served in the Washington House of Representatives. In 1992 she was elected in the U.S. House of Representatives from Washington's 1st Congressional District. She lost the reelection bid in 1994. After working in the private sector, she ran for the Senate in 2000. Cantwell won that campaign and was reelected in 2006 and 2012.
Senator Cantwell is currently the Ranking Member on the Commerce, Science, and Transportation Committee. She serves also on the Finance Committee; the Energy and Natural Resources Committee; the Indian Affairs Committee; and the Committee on Small Business and Entrepreneurship.
Below is Senator Cantwell's voting record and public positions on issues important to the Jewish community.
Senator Cantwell supported the Iran Deal. She opposed UN Security Council Resolution 2334, which claimed that Israel's settlements have no legal validity.
As the top Democrat on the Senate Energy and Natural Resources Committee, Senator Cantwell led the efforts in advocating for the creation of a joint United States-Israel Energy Center that includes research and development and academic and technology transfer ventures in key areas.
She opposes the global Boycott, Divestment, and Sanctions (BDS) movement and the delegitimization of Israel and she cosponsored the Israel Anti-Boycott Act and the Combating BDS Act of 2017, two legislations that aimed to fight the boycott movement against Israel.
In 2018, Senator Cantwell cosponsored the United States-Israel Security Assistance Authorization Act, a legislation that supported full funding of security assistance to Israel as outlined in the 2016 U.S.-Israel Memorandum of Understanding.
In 2019, she voted for the Strengthening America's Middle East Security Act which, among other things, strengthens Israel's security and allows a state or local government to adopt measures to divest its assets from entities that boycott Israel.
Do you support Senator Maria Cantwell based on the positions on these issues?
Enter your email and submit your vote!
Supported the Iran nuclear deal https://www.cantwell.senate.gov/news/press-releases/senator-maria-cantwells-statement-on-iran-nuclear-agreement
Voted For the Strengthening America's Middle East Security Act of 2019 https://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=116&session=1&vote=00016
Cosponsored the Israel Anti-Boycott Acthttps://www.congress.gov/bill/115th-congress/senate-bill/720/cosponsors
Cosponsored the Combating BDS Act of 2017 https://www.congress.gov/bill/115th-congress/senate-bill/170/cosponsors
Opposed UN Security Council Resolution 2334 and supported the two-state solution https://www.congress.gov/bill/115th-congress/senate-resolution/6/cosponsors
Cosponsored the United States-Israel Security Assistance Authorization Act of 2018 https://www.congress.gov/bill/115th-congress/senate-bill/2497/cosponsors
Cosponsored Senate Resolution 120 that opposes the global BDS movement https://www.congress.gov/bill/116th-congress/senate-resolution/120/cosponsors


18.You have recently made a purchase from thelocal department store. However, when you arrived home, you found a fault with it.Write a letter to the manager, say what the product is, explain the problem andsay what you'd like to be done about it.
GMT+8, 2019-4-25 22:56 , Processed in 0.202314 second(s), 30 queries .


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Pecorino es el nombre de una variedad italiana de queso curado elaborado a partir de leche de oveja (pecora es 'oveja' en italiano).

De las cinco variedades principales de Pecorino, teniendo todas ellas el estatus de Denominación de Origen Protegida por la Unión Europea, el Pecorino Romano es probablemente la más famosa fuera de Italia, especialmente en los Estados Unidos, que ha sido un importante mercado de exportación para el queso desde el siglo XIX. La mayoría del Pecorino Romano se produce en la isla de Cerdeña, aunque su producción también está permitida en el Lacio y en la provincia toscana de Grosseto.

Las otras cuatro variedades DOP son el Pecorino Sardo de Cerdeña; el Pecorino Toscano, la variedad toscana del Pecorino Sardo (hecha casi exclusivamente por sardos que emigraron al sur de la Toscana con sus rebaños en la década de los años 1950); el Pecorino Siciliano (Picurinu Sicilianu en siciliano) de Sicilia y el Pecorino de Filiano en Basilicata. Todos estos tipos se encuentran en varios estilos según el tiempo de maduración. Los quesos más maduros, llamados stagionato ('curado', 'madurado' ), son más duros pero siguen conservando una textura quebradiza y tienen un sabor claro a mantequilla y nuez. Los otros dos tipos, semi-stagionato ('semicurado') y fresco tienen texturas más tiernas y sabores más suaves a nata y leche.

En el sur es tradicional añadir granos de pimienta negra o escamas de pimiento rojo al Pecorino. Actualmente se añaden muchos otros ingredientes, como por ejemplo nueces, rúcula o trozos diminutos de trufa blanca o negra. En Cerdeña se introducen intencionadamente larvas de la mosca del queso al Pecorino Sardo para obtener la delicia local llamada casu marzu.

Un buen Pecorino stagionato es a menudo el postre de una comida, servido con peras y nueces o rociado con miel de castaño fuerte. El Pecorino también se usa a menudo en platos de pasta, y solía ser la opción natural en la mayoría de las regiones italianas, desde Umbría a Sicilia, en lugar del más caro Parmigiano Reggiano. Sigue prefiriéndose en la actualidad para recetas de pasta de Roma y el Lacio, como por ejemplo pasta con sugo all'amatriciana, pasta cacio e pepe y pasta alla gricia.

Notas

Enlaces externos

Quesos de leche de oveja de Italia

redpajama_set_name: RedPajamaWikipedia


There was a Brahmin ruling in some city. He was a sinister and wicked he was keen to harass the public.
of a hunter went to the residential area of the thieves.
The thieves ! leader having known him cruel like a thief accepted him as a son.
When the thieves leader died this brahmin having long hands as a son occupied the leadership of thieves.
He gave cruelly blows and bears to all the beasts so people called him as Dridh Prahaari-hard handed.
Some day he went with plan dering thieves to rob the city named kushasthal.
In Kashasthal lived a brahmin named Devasharma who was unhappy becase of poverty once upon a time his children asked his father like a fruit less tree foramilky item.
He wandered all village and collected rice and milk and then prepared kheer.
Devasharma went out for bath on the river side. Meanwhile those cruel thieves went to his place because the fate is fatal for the feeble.
One of them found kheer and like hungry ghosts taking it fled and disappeared.
When the robber was robbing kheer children began to cry out and approaching their father they complained to him.
As the wind carries away a soot from the eyes those thieves carried away our kheer then our mouths became open.
Brahmin having heard the words of his children got extremely angry and with weapons ram after them.
He hit with a weapon the thieves like beasts.
The band leader on seeing the thieves beaten by that brahmin rushed towards him with contempt.
As if the destiny decided to present him when he was rushing a cow came as a hindrance to his speed, between the two.
That wicked leader of the thieves ! band with a single stroke of the pointed sword killed that cow mercilessly.
on the ground like a guava. He thus killed even that brahmin.
As a wolf bears down a belly of goat the same way that band leader tore down her belly into two pieces.
Then the band leader saw an embry covered with a skim and trembling like a leaf of the branch.
The band leader on seeing an embrago trambling even after tearing a belly of the widow got dejected and took mercy.
Then crying Oh father ! Oh mather ! brahmin's sons came there.
of the brahmin repented and began to ponder.
Oh I cruelly and mercilessly killed the poor couple including an embryo Now like fish without water can they live ?
Because of this cruel and sinful deed certainly I have to go to the hell. I am afraid of the sin committed by me What can be the remedy for it ? Who will save me ?
Thus thinking he got detached. Mean while he saw a monk in the park of the city. Like a physician that monk used to remove the painful sins.
Dradh Prahari bowing to the monk said, "Maharaj ! I am such a notorious and nasty sinister as affecting one who talks to me. A person is also besmeared with mud if he touches a man besmeared with mud.
a cow slaughter leads to the hell. I have mercilessly committed all the sins.
Saints only like you can protect me. As the clouds rain – everywhere without considering the good or bad places the saintly persons too protect all without considering the difference between good and bad.
Then the monk preached him asceticism. As one takes an umbrella for protection from the sun strike he accepted asceticism.
He took two vows – I shall not eat whenever I remember this sin and have to lerence.
That wise Dradh prahari for the deed destroction and repentance went to his native place – Kushasthal.
"Oh ! this is the same man who killed a brahmin couple fraud fully, he is a nasty sinister,' commented people and hated him.
"He is the same killer of a brahmin couple,' c cow and a baay.' Dridhprahari was barred from home entrance and stones were thrown at him like a dog.
Everyday people used to make him remember his sins. Then also he faced them with peaceful mind and dropped to have his meal, because nothing is impossible for a brave man.
Dradh prahari could not take meals any day because people made him remember his sins some in morning, some during noon and some at evening.
People used to throw mud balls, hit him sticks and fist blow's. Dradh prahari suffered all the acts peacefully and began to think in his mind.
Oh Soul ! this is the fruit of your own deeds because as you sow the deed you get the fruit.
These peoples are beating me with mud balls, sticks, etc. due to this incidentally I could repent of my sinful deeds.
People were happy by hitting me with mud balls etc and speaking bad about me and doing my contempt. The same way by hearing peacefully peoples contempt and cruel wards without facing them I could repent and destruct my bad deeds, that way I am also feeling happy.
Toding doing my contempt, then also people are feeling happy ! let them experience it ! because happiness is very rarely experienced by the people leading a worldly life.
My knot of immoral behaviour is diagonised by these people with bitter words. Thus they are my best friends.
Oh ! These people are hitting me ! let them hit ! owing to the heat of the fire gold. destructs its dirt, the same way by suffering people beating peacefully I am able to destruct my dirt.
Owing to my bad deeds I would have experienced down fall but by peoples beating they are pulling me from down fall and pushing their souls to downfall, So how can I get angry with them ?
Who can be my best brother other than the people who by their fruits of righteousness are destructing my sins ?
These people are hitting me, tying me so my deeds of previous life are destructed I am happy because their deeds will relieve me of my worldly life but these same deeds will be the reason of these people infinite lives so I am feeling very sad.
To delight others many people in this world devote their wealth and physique but these are delighted by hitting me with stones and abuses.
These people gave me many bitter words, criticising me contempt and harassed me by hitting stones but like true brothers did not deprive of spiritual heritage.
The man wishing welfare must suffer (bear) bitter words, contempt, restriction, death etc everything because there are many obstackles in the path of progress.
Thus meditating in his mind and criticising his own misdeeds he, as fire turns the heap of grass into ashes, turned into ashes his own deeds.
Then he (Dradh Prahari) acquired fourteenth Gunsthanak named Ayogikevali and realising a rarely eternal absolute knowledge an acquired salvation.
As Dradh Prahari with the power of his spiritual practice could avoid hell and gained selfrealization. Other people also should doubtlessly try to gain spiritual knowledge.


Los Angeles (June 20, 2016) – Geffen Playhouse has announced the addition of Eugene O'Neill's Pulitzer Prize winning drama, Long Day's Journey Into Night to its 2016/2017 season. Starring Alfred Molina and Jane Kaczmarek and directed by Jeanie Hackett, the Geffen presents a new production of this American classic.
Running January 31, 2017 through March 19, 2017 in the Gil Cates Theater, the production is part of the third decade of producing world-class theater at the not-for-profit Geffen Playhouse.
Considered O'Neill's crowning achievement, Long Day's Journey Into Night is set in 1912 in the Connecticut home of the dysfunctional Tyrone family. The semi-autobiographical piece is the story of an ordinary summer's day with extraordinary consequences.
"From classics like Long Day's Journey into Night to world premieres like Icebergs, our 16/17 season is an invitation for audiences of all interests and backgrounds to experience theater of the highest quality," said Executive Director Gil Cates, Jr.
Three-time Tony nominee Alfred Molina has been acting professionally for over 40 years, and is proud to be making his debut at the Geffen. Theatre credits include seasons with the Royal Shakespeare Company, The Royal National Theatre, London's West End and Broadway. Recent theatre includes Red (London, Broadway, Los Angeles), Art (Broadway, Los Angeles), Howard Katz, Fiddler on the Roof (Broadway), Molly Sweeny (New York), The Cherry Orchard and Richard III (Los Angeles). Recent films include Spiderman II, Enchanted April, Frida, An Education, Chocolat, Love is Strange, Secrets in Their Eyes, Breakable You, Headhunter's Calling, Message From The King, and Whiskey Tango Foxtrot. Recent television includes Show Me a Hero (HBO), Monday Mornings(TNT), Law & Order (NBC), and Feuds (FOX).
A Long Day's Journey Into Night marks Jane Kaczmarek's third starring role on the Geffen Playhouse stage. In 2011 she appeared in In Mother Words, returning the following year to capture a 2012 Ovation nomination for Lead Actress in a Play in the West Coast run of David Lindsay-Abaire's 2011 Tony-nominated play Good People. Best known for her seven year starring role in the Emmy Award winning TV series Malcolm in the Middle, Kaczmarek was nominated for seven consecutive Emmy Awards as well as numerous Golden Globe and SAG awards and has won the American Comedy Award and the Television Critic's Award for two consecutive years, the first woman to ever receive such an honor. On Broadway, she appeared in Lost in Yonkers and on stage in Los Angeles in Kindertransport, for which she received an Ovation Award as well as in the Pulitzer Prize winning Dinner With Friends. For her performance in Raised in Captivity, she won the LA Drama Critics Award.
· The West Coast Premiere of BARBECUE written by Robert O'Hara, September 6 – October 16, 2016, Gil Cates Theater at the Geffen Playhouse.
· THE MODEL APARTMENT, written by Donald Margulies, October 11 – November 20, 2016, Audrey Skirball Kenis Theater at the Geffen Playhouse.
· The World Premiere of ICEBERGS, written by Alena Smith and directed by Randall Arney, November 8 – December 18, 2016, Gil Cates Theater at the Geffen Playhouse.
· The Los Angeles Premiere of THE LION, written and performed by Benjamin Scheuer and directed by Sean Daniels, January 4 – February 19, 2017 in the Audrey Skirball Kenis Theater at the Geffen Playhouse.
·The West Coast premiere of THE LEGEND OF GEORGIA MCBRIDE, written by Matthew Lopez and directed by Mike Donahue, April 4 – May 14, 2017 in the Gil Cates Theater at the Geffen Playhouse.
· The Los Angeles Premiere of CONSTELLATIONS, written by Nick Payne, June 6 – July 16, 2017 in the Gil Cates Theater at the Geffen Playhouse.
An additional season production will be announced shortly.


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It's as easy as that! Now you can easily control where your users are redirected to when they login to WordPress.


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Alaska's National Petroleum Reserve
An area of abundant habitat and rich natural heritage
Pacific Black Brant. Photo: Nathan Graff/USFWS
Originally established in 1923 by President Warren Harding as a source of oil for the U.S. Navy, the 23.5-million-acre National Petroleum Reserve-Alaska (NPRA, or the Reserve) is the nation's largest single block of public land. In 1976 Congress transferred management authority from the Navy to the Department of the Interior and required "maximum protection" of fish, wildlife, and habitat during petroleum exploration in the reserve. In 1980 Congress authorized leasing and development, but again directed the Secretary of the Interior to minimize ecological disturbance throughout the area.
The reserve has superb natural resources and scientific value, including two caribou herds, many raptors, millions of migratory birds, tens of thousands of molting geese, large concentrations of beluga whales and other marine mammals, vast wilderness landscapes, wild rivers, and rich geological, scientific, archaeological, and paleontological sites.
Teshekpuk Lake
Teshekpuk Lake in northern Alaska is a unique, wildlife-rich wetland wilderness that is home to an incredible variety of migratory shorebirds, waterfowl, and wildlife. The Teshekpuk area encompasses one of the most important wetland complexes in the circumpolar Arctic. Consequently, the area around Teshekpuk Lake has been spared from oil and gas development for more than 40 years. Multiple Secretaries of the Interior from Cecil Andrus under President Carter to Bruce Babbitt under President Clinton have recognized the necessity of balancing development and conservation in the reserve and have prohibited oil and gas leasing in this most critical habitat.
This remote area has shallow-water lakes that offer high quality forage and refuge for flightless geese to escape predators. It is no accident that geese gather annually near Teshekpuk Lake by the tens of thousands; as many as 35,000 Greater White-fronted Geese and 37,000 Brant molt at Teshekpuk Lake, plus thousands of Canada Geese and Snow Geese. This area is also the primary calving ground for the 60,000 head Teshekpuk Lake caribou herd that returns each May and June. The herd is a key subsistence resource for Alaska Natives on the North Slope.
Audubon intervenes to protect Teshekpuk Lake
In 2006, the Bush administration attempted to open the area to oil and gas development that would have devastated this fragile ecosystem. That attempt was thwarted by a concerted campaign by conservationists and sportsmen that included a legal challenge brought by Audubon and other groups.
In the same year, the Bureau of Land Management (BLM) reversed its history of protecting Teshekpuk by opening the area for oil and gas leasing. This decision ignored more than 200,000 public comments, expert opinions from biologists and wildlife managers, objections from many Alaska Natives on the North Slope, and the wisdom of four U.S. Presidents. Only an 11th hour federal district court ruling—the result of a suit brought by Audubon and other conservation groups—halted the lease sale in September 2006, just days before the scheduled sale. The court ruled that BLM failed to consider the cumulative environmental impacts of development in Teshekpuk Lake. By May 2008, the Administration had relented and issued a revised EIS that deferred any oil leasing in the area for 10 years.
In December 2012 the BLM released its first-ever comprehensive management plan for the reserve. This plan protects nearly all of the places Audubon recommended, including substantially expanding the Teshekpuk Lake Special Area, making most of it off-limits for leasing and oil drilling. Overall, the plan protects about half of the 23.5 million acre reserve, while still allowing for the vast majority of the area's oil to be accessed and developed.
Today, Audubon continues to work to protect this unique wetlands wilderness for the birds and wildlife that depend on the area, collaborating with scientists, subsistence users, land managers, and others, to find a balanced approach to oil and gas development in the Arctic.
Downloadable Resources:
Wildlife and Oil Development at Teshekpuk Lake
Resource Synthesis and Conservation Strategy for Alaska's Western Arctic
Defend America's Most Important Bird Law
Tell Congress to stop efforts to strip away critical protections in the Migratory Bird Treaty Act.
Speak Up for the Endangered Species Act
Ask your members of Congress to oppose efforts to weaken this vital law.


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Happy World Emoji Day - (31 Pics)
1 month ago Fun 10406 Views
Happy World Emoji Day
World Emoji Day is Today. Here's How (And Why) to Celebrate
According to emoji lore, emojis first appeared in Japan (where else?) in 1999, when a telecom company created 176 cartoon-like images for the text-based emoticons people had used on mobile devices to express basic emotions. They quickly caught on, as texting became a standard mode of communicating.
World Emoji Day began in 2014 when users of Apple devices noticed that Apple's calendar apps showed July 17 as the date on the calendar on its icon. A tweet appeared in July 2014 announcing the day as the official World Emoji Day. It has grown ever since, with more celebrations around the world happening each year.
World Emoji Day 2018 marks the fifth such celebration of emojis, which in less than two decades have gone from a marketing gimmick to a mode of communication that spans all languages.
In 2009, emoji fans began translating Herman Melville's Moby Dick into emojis. By 2015, the Oxford Dictionaries had chosen an emoji for its word of the year ("face with tears of joy") and by 2017 most communication platforms employing emojis included a diversity pack to reflect different races and cultures that had adopted them.
The Ultimate Dad Jokes (22 Pics)
There Are People Who Are Absolute Experts At Capturing Incredible Photos (23 Pics)


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Titanic (1997) (PG-13)
Release Date: February 9th, 2020
Director: James Cameron
Cast: Leonardo DiCaprio, Kate Winslet, Billy Zane, Kathy Bates, Bill Paxton
Synopsis: The journey of "Titanic" begins in the present, at the site of the ship's watery grave, two-and-a-half miles under the ocean surface. An ambitious fortune hunter (Bill Paxton) is determined to plumb the treasures of this once-stately ship, only to bring to the surface a story left untold. The tragic ruins melt away to reveal the glittering palace that was Titanic as it prepares to launch on its maiden voyage from England. Amidst the thousands of well-wishers bidding a fond bon voyage, destiny has called two young souls, daring them to nurture a passion that would change their lives forever. Rose DeWitt Bukater (Kate Winslet) is a 17-year-old, upper-class American suffocating under the rigid confines and expectations of Edwardian society who falls for a free-spirited young steerage passenger named Jack Dawson (Leonardo DiCaprio). Once he opens her eyes to the world that lies outside her gilded cage, Rose and Jack's forbidden love begins a powerful mystery that ultimately echoes across the years into the present. Nothing on earth is going to come between them -- not even something as unimaginable as the sinking of Titanic.
Titanic (1997) now playing at these locations
KY - Blankenbaker 16 Louisville, KY
MD - Brandywine 14 Brandywine, MD
OH - Northgate 14 Cincinnati, OH
TX - Xscape at 1488 (Conroe/Woodlands) Conroe, TX


ii war world church stock footage and royalty free video clips (page 9).
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Soldiers are bombed and fight for their using their..
Captured German war film shows German troops in late..
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Sugar farmers and sugar refineries are shown in Bolivia..
Fog and mist enshroud the Andes in the Fitzroy section..
Lake Argentina in the beautiful Andes region of..
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Japanese Americans fix up old machinery and work in..
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Burmese refugees walk out of the country carrying their..
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1945 - American schoolchildren pledge allegiance to the..
1944 - Crowds assemble outside Marble Arch to give..
Swedish distance running champion, Gunder Hagg, visits..
Britain air planes bomb German cities each day and..
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Japanese Americans live stereotypical lives upon being..
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1918 - American troops cease work to celebrate when..
Allied troops in India kept the Nazis and Japanese from..
French Resistance troops help the Allies in fighting..
Allied troops cross the only in tact bridge along the..
An English soldier recounts the Battle of Caen in..
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THAT WAS RATHER DISAPPOINTING
RED WINGS 5
When Mathieu Garon is brought on to stop the bleeding, you know things have gotten out of hand. And that pretty much sums up the disaster that was Game Five of the 2009 Stanley Cup Finals, a 5-0 Red Wings victory that puts them within 60 minutes of clinching a second straight NHL championship.
Down just 1-0 after a first period in which they held a 10-8 lead in shots, the Pens came apart at the seams in the second, allowing four goals in a 14-minute span, three of the power play variety. Pittsburgh seemed determined to do their best Philadelphia Flyers impersonation, racking up penalty after penalty (five in all) in the second stanza. What's even more frustrating is the fact that even someone as traditionally focused as Sidney Crosby would get caught in the penalty vortex, taking a two-minute time-out as a result of a slash on Henrik Zetterberg.
The Red Wings just refused to fight back, as witnessed by Chris Kunitz making Darren Helm into his own personal punching bag. Instead, the Wings were content to take a few bruises for the team in the name of goals. And they were cashing in their power play tickets like a high-roller after a couple hours at Dave and Buster's. The only difference is that they're playing for a prize much more valuable than a giant stuffed giraffe.
A total of four Penguins weren't on the ice by the end of the game, including three guilty of misconduct (Craig Adams, Max Talbot, and Matt Cooke), and Marc-Andre Fleury, who was guilty of allowing five goals on 21 shots.
It was hard to believe that this was the same team that had thoroughly outplayed Detroit in the prior contest, and after Saturday night it's safe to say that the "old" Red Wings probably shouldn't be fitted for wheelchairs just yet. Pavel Datsyuk was impressive after returning from his injury hiatus, getting second-star billing for a two-assist evening. Chris Osgood tossed a shutout, and has allowed just two goals in three home games in the Finals. Zetterberg, though, was the biggest star of all, with a goal and an assist in 20:55 of ice time.
As for the Penguins' "Big Four", Crosby, Malkin, and Jordan Staal combined for just four shots and eight penalty minutes, while Fleury's performance of 11 goals allowed in three Detroit games this series left little doubt that he doesn't mesh well with the surroundings of Joe Louis Arena.
What the Pens (especially Fleury) need now is a very short memory. The nightmares of Game Five need to be exorcised, and fast. There is no doubt that this team has what it takes to win this series, Saturday night aside. They have been counted out too many times and in too many rounds of these very playoffs to give up now. And my gut feeling tells me that this group will be rested and ready for a much better performance in Game Six. I'm sure they don't want to see the Wings skating around with the cup on their ice again. Right, Sid?
Email: Mondesishouse@gmail.com Twitter: twitter.com/mondesishouse Facebook: Facebook Group
Labels: 2009 Stanley Cup, Chris Osgood, Detroit Red Wings, Evgeni Malkin, Henrik Zetterberg, Jordan Staal, Marc-Andre Fleury, Mathieu Garon, Pavel Datsyuk, Pittsburgh Penguins, Sidney Crosby
HotDog_Zanzabar said...
Disappointing is an understatement.
I think the young Pens learned a lesson in counting their chickens before they hatch.
BURGH08 said...
I'll take it one step further.
They acted like little bitches.
MAF gave two soft goals, and after the third, Malkin and Crosby melted down, along with Talbot for that matter with the cheap shots/penalties that led to goals.
Losing is one thing, but how they handled the situation was shameful.
BurressWithButterflyWings said...
I was also disappointed with our composure. I also find it funny how much the Red Wings embellished every bit of contact.
Could you imagine Mike Babcock's reaction after a game in which the Pens had 9 PP to the Wings 2? No matter of validity could justify that if it were the other way around.


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Take advantage of the FREE programs that AFE has in place to help the floral industry thrive. These programs are available to anyone in the industry at no charge, and were made available by the generous contributions from our industry members. Quick Links: Business...
We're up for the challenge...are you? Based on industry feedback, we've decided to release a new video on the first Monday of every month. You'll be reminded during the rest of the month that this video is available to download and customize for your own business!...
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The American Floral Endowment (AFE) is pleased to announce a new scholarship fund created thanks to generous contributions from The Garcia Family. The Garcia Family Scholarship comes just in time for the 2020 scholarship application season. The Garcia Family...
By Christopher J. Currey and Kimberly A. Williams They say Christmas comes but once a year, but undergraduate students interested in floriculture crop production have two opportunities each year to apply for a paid internship with a leading greenhouse operation and...
AFE Shares the Size, Complexity, and Importance of the Miami Import Cut Flower Businesses with USDA-ARS By Dr. Terril Nell, AFE Research Coordinator Floral and Nursery Research Initiative USDA-ARS coordinates funding for the Floral and Nursery Research Initiative...
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Fundraising Effort A fundraising effort is underway to raise $50,000 to establish a new scholarship fund to honor Dr. Terry Ferriss. Dr. Ferriss retired in 2015 from the University of Wisconsin-River Falls (UWRF), after 36 years of teaching. She was the first tenured...
Efficient Lighting Strategies for Perennials
By Dr. Marc van Iersel and Claudia Elkins, University of Georgia Perennials are often grown in winter to get them ready for Spring sales. And that means that supplemental lighting is often required to produce high-quality plants in a timely manner. The electricity...
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To LED or Not to LED
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MANILA, Philippines – Hunger is still a perennial problem in Third World countries like the Philippines, but there are ways to put an end to it.
For the Center for Community Development (CCD) of the Ateneo de Naga University (ADNU) in Bicol, this means decreasing the number of hungry school children one meal at a time.
CCD, ADNU's social involvement arm, conducted its latest Supplemental Feeding Program in 5 of the university's partner schools from October 2014 to March 2015.
It was made possible by the collaborative efforts of CCD, ADNU's College of Nursing, barangay and school officials, and the Kristong Hari Foundation, with support from Philippine Hilfe.
According to the feeding program's impact assessment report sent to Rappler, a total of 416 children aged 0 to 12 from Barobaybay Elementary School, Ponong Integrated School, Fundado Elementary School, San Nicolas Elementary School, and Bal-Flor Elementary School and their surrounding areas in Camarines Sur were given a free meal thrice a week during school break periods.
The menu, developed in consultation with barangay nutritionists, included snack meals like champorado, sweet mongo, macaroni soup, and arroz caldo.
"Food is a basic human right. You need the food to keep things going. You need the energy to fight the problems of the world," said CCD Director Elmer Sto Domingo when asked about the rationale behind the program.
Sto Domingo described the situation in some of ADNU's partner communities for the feeding program, emphasizing how the agricultural circumstances in the areas make it difficult for parents to provide their children nutritious meals every day.
"May isang area kami na ang income or livelihood of majority of the families ay sa mga nipa, so their income depends on how many nipa shingles they can produce in a day," Sto Domingo shared, saying that the average daily income of P120 a nipa shingle maker gets is usually inadequate for a family's expenses in a day.
Sto Domingo said the beneficiaries of the feeding program were children identified as malnourished by barangay and school officials. The financial situation of the children's families was also taken into consideration.
While the feeding program beneficiaries are given priority during food distribution, Sto Domingo said other children from the school and the barangay were given food as long as they have extra meals to spare.
"We don't discriminate… Everybody can get their share," Sto Domingo said.
According to CCD's report, 64.9% of 416 children gained weight by the end of the feeding program. CCD's report also noted that teachers noticed a decrease in school absences and an increase in classroom participation among the beneficiaries.
Undeniably, there is still much to be done to achieve zero hunger in the Philippines, with around 7.9 million Filipino families still saying they are poor in terms of food.
However, Sto Domingo thinks that projects like school feeding programs, though small, can potentially benefit more communities.
This sentiment was echoed by ADNU senior elementary education major John Peter Dado, the external vice president for CCD Voltz, a student organization that assists in some of CCD's activities.
"Pag tumutulong kami, hindi lang sila (partner communities) ang tinutulungan namin (When we volunteer, it's not only the partner communities we end up helping)," said Dado, who added that volunteering convinced him that he really wanted to pursue teaching after graduation.


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1000s of diverse titles published since 1974
To: (email)
From: (email)
Look Inside!
Look Inside! Look Inside! Look Inside! Look Inside! Look Inside!
Other Books You May Enjoy!
Ruhetag—The Day to Day Life of the German Soldier in WWII: Vol. I: Health and Hygiene
To Hell with the Kaiser, Vol. I: America Prepares for War, 1916-1918
German World War II Reenacting: The Wehrmacht in Living History
Let's Go!: The History of the 29th Infantry Division 1917-2001
Alexander F. Barnes , with Tim Williams and Chris Calkins
Sherman Tank Vol. 1: America's M4A1 Medium Tank in World War II
North American T-6 Texan
Pere Redón
Yankee Air Pirates: U.S. Air Force Uniforms and Memorabilia of the Vietnam War—Volume 2
Olivier Bizet & Francois Millard
With more than 1,200 photos, the second volume of this series gets into the heart of the USAF uniforms and equipment used during the Vietnam War. Focusing on hundreds of Air Force named items, the book offers precise insight and references covering a selection of 70 units. Flight suits, helmets, utility shirts, jungle jackets, plaques, and souvenir lighters are featured together to illustrate the history of these flying and ground units. From the air bases to the mighty B-52s, from the secret missions to the POWs, many aspects of USAF involvement in Southeast Asia are covered in this second volume.
Size: 9″ x 12″ | 1221 color & b/w photos, charts | 352 pp
Olivier Bizet started collecting Vietnam War militaria in 1991, and is a regular contributor to Militaria Magazine in France. After a long career in the animation film and TV industry, he is now working as an assistant director on live action productions. He is also the webmaster of the Grunts Association website, and an occasional photographer and bass guitar player. He lives and works in Paris, France. François Millard has been collecting Vietnam War related items since 1989, with a large focus on aviation and South Vietnamese items. He spent nearly 8 years in Ho Chi Minh City, the ex-Saigon and has had the opportunity to travel extensively in Vietnam, Laos, and Cambodia, always looking for testimonies from the past. He currently works and lives with his wife and sons in Bangkok, Thailand.


Home Exchange: Is Yoga Idol-Worship?
Oy! The Lubavitcher rebbe said that all forms of yoga (in addition to transcendental meditation) are not kosher.
Oy! Why does this have to come up now? I quite enjoy going to Chabad. Oy!
Beth, in your morally degraded state, you do not understand that for me shiksas are purely a form of exercise. Practice, as it were, for the real thing that awaits me on the Great Day.
Many shiksas argue these days that they are just archetypal principles, but any third-grader in Hebrew school will tell you that they are idols. Veneration and offerings are unacceptable. I avoid shiksas where the shiksa is too into the mythos.


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Q: how to use RemovedInNextVersionWarning? I've written a library Django, I want to update it. But I need that to the people who use it say that this function will be removed in the future, how should I say this?
class ModelAdmin(admin.ModelAdmin):
      def __init__(self, *args, **kwargs):
          super(ModelAdmin, self).__init__(*args, **kwargs)
          self.formfield_overrides = overrides
          warnings.filterwarnings(
              'ignore',
              'please use "ModelAdminJalaliMixin". example: class YourClass (admin.ModelAdmin, ModelAdminJalaliMixin):',
               RemovedInNextVersionWarning
          )

A: from django.utils.deprecation import RemovedInNextVersionWarning
import warnings
warnings.warn('WarningString', RemovedInNextVersionWarning)

warnings are python module, RemovedInNextVersionWarning is django class extended on DeprecationWarning


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Locals join escort for children of fallen officers
Local, state and federal law enforcement escort a caravan of 27 children affected by a line-of-duty death in their family. Photo by Miguel Hinostroza
Twenty-seven children, each of whom had lost a law enforcement parent in the line of duty, were escorted by Moab City Police, the Grand County Sheriff's Office, Utah Highway Patrol and numerous other law enforcement agencies on Saturday, July 6 as they made their way to Bluff for a river trip.
Concerns of Police Survivors, an advocacy group for survivors, families and co-workers affected by line-of-duty deaths, joined with Outward Bound, an outdoor education group, to take the kids on a whitewater trip on the San Juan River.
Local motorcycle enthusiast and volunteer with the Grand County Sheriff's Office Samantha Bonsack organized the local segment of the police escort.
Officers with the Utah Highway Patrol and the Grand County Sheriff's Office escorted the kids from the Colorado-Utah state line, after the caravan left Grand Junction. The Moab Valley Fire Department, Grand County EMS, BLM Wildland Fire and Moab City Police Department escorted the kids through Moab around 10 a.m.
The San Juan County Sheriff's Office escorted the children during the last leg of the trip, to Bluff.
"Today's escort of the shuttle carrying children who lost parents while in the line of duty as law enforcement officers was deeply touching," the Grand County Sheriff's Office said in a Facebook post.
"We can't even fathom the loss these youngsters have experienced and we pray that our community will never suffer the same loss," Moab City Police said in a separate post.


Truth of the matter is that you always know the right thing to do. The hard part is doing it.
The biggest reason to hire veterans is because it is the right thing to do.
There is an array of resources available to help companies connect their civilian career openings with veterans. Truth be told, that is one of the biggest obstacles -- there are so many resources that employers can become overwhelmed when determining where to go, whom to talk to, and whether resources are trustworthy. Rather than conduct a search for possible connections, and then wonder if the agency is trustworthy, employers can educate their own hiring staff and leadership from the start to increase their numbers. The average time for companies to fail (not meet their hiring targets) in creating their own programs through solely philanthropic means without education is approximately 9 months. Don't be a part of the statistic.
Education services focus on the clients' most critical issues and opportunities within the veteran programs; whether your program is new or trying to improve what is already in place. You can only create a hiring program if you understand the talent that you are bringing in. In helping to break down the stereotypes and common misconceptions that the civilian workforce has about the branches of service, you can increase your veteran populace and show the community that you are making the valiant effort.
Veteran skills translation: Our veterans bring an astonishing collection of skills to any position. Commendably understanding how these skills can translate to your job categories is a vital step towards effectively hiring veterans in your workplace.
Veteran education: Who has a Bachelors, Masters, or PhD? What is the CCAF?
How to market to veterans: Where do veterans look for positions? Why would a veteran want to work for your company?
How to retain veterans: What can you do retain your veteran once you hire one?
The different branches of service: Active, Reserve, National Guard—what makes a veteran?
The different ranks and grades: What separates an enlisted from an officer? How do you recognize the rank and grade associated?
How to recognize varying job titles and positions: What is an Airman, Commander or a Platoon Leader?
OFCCP Audit: There are benchmarks for hiring veterans that your company must meet when dealing with the Federal Government, and more companies are involved than one may think. Failing to meet these standards can lead to monetary penalties, public scrutiny and possible program cessation in extreme scenarios.
The Returning Heroes Tax Credit: Tax credit that will provide an incentive for businesses to hire unemployed veterans.
The Wounded Warrior Tax Credit: This tax credit will double the existing tax credit for long-term unemployed veterans with service-connected disabilities.


As a new or growing business owner, you may run into immediate and dire situations where you either need a line of credit or cannot get one due to lender preferences, qualifications, or regulations. These are not unique problems. They are quite common for many companies – especially those within the small to mid-sized range – who need the financing the most to compel growth.
Fortunately for those companies, factoring (often referred to as invoice financing) provides an even better solution and outcome for your business than do traditional lines of credit.
Your business will finance an invoice through a factoring financing company who will provide you with an almost immediate (usually 24 to 48 hours, dependent upon your agreement and previous relationship) funding that can be instantaneously inserted into the cash flow structure of your business. The transaction is resolved when your client pays the factoring finance company in full. You can then factor as many or as few invoiced as you would like, thus coinciding with your needs and not with a bank's regulations.
Clients who are corporate rather than individual or personal may take as long as 30 to 60 days to pay the last installment of an invoice. Dreaded is the client who makes you wait 90-120 days. These elongated time periods, while traditional, can often paralyze your ability to make your cash flow work for you instead of often being life support against potential bankruptcy.
Whether the financial crisis has caused banks to become more stringent in their lending practices and standards or your ever-growing business has a challenging hurdle meeting with collateral requirements, the approval process for getting a standard line of credit can prove difficult.
Banks too often prefer more sizeable clients that will need ballooning financing and increasing debt as a means of operation. Your smaller scale operation is one that runs on deadlines and within budgets.
Even if you were approved for a line of credit, the problems do not cease. Lines of credit too often have maximums that may be determined by your business's on-hand collateral at the time of the underwriting. What if you see a sudden spike in sales which affects your immediate needs? What if the bank doesn't want to increase your line until you have proven yourself to be a worthy payer? It may take years that you don't have. Growth often demands immediacy and stems from almost instant changes in environment (such as a major competitor closing its doors).
Why Should Your Business Use Factoring Rather than a Line of Credit?
The qualification process is much easier. The invoices you allow for factoring are used as the collateral for the transaction. The creditworthiness is based upon your clients and not on you or your business.
Factoring is a process most commonly used by startups and companies who have not spent years building up a line of credit or a track record with a bank. Many business websites have said that factoring is, in fact, something a startup needs to consider as a stepping stone to success.
Factoring is often used by companies that at one time or another have fallen upon financial stress either internally or as a result of a difficult climate for business. It can be a "turnaround" for your business when you still need more immediate access to cash flow.
Factoring is a flexible form of financing. It grows and contracts as you decide alongside your business and not against it. The maximum line is dependent upon the value of your invoices. As sales increase, your financial support increases also.
Factoring can be a worthy and brilliant replacement for a line of credit if you cannot wait for long payers, need the cash flow within 30-60 days, and you sell to creditworthy clients. It is a form of financing by which you get to make the decisions again, as you had always dreamed when your business was a mere thought or idea. It puts the power back into the hands of the business owner rather than the banker. Make a good decision today and consider factoring as a direct road to growth.