Feeling stressed is something we all experience from time to time. Perhaps a situation or event is causing stress, or maybe it's our reaction to something that's making us feel overwhelmed. Whatever the reason, stress affects us all.
For some of us, however, it's a recurring problem that, over time, can seriously impact our health and well-being. There are lots of ways we can learn to cope with stress better, including developing emotional resilience and introducing more rest and relaxation into our routines, but sometimes we need support.
Find a coach to help with stress.
Here we'll talk about how a coach can help with stress management, offering guidance and insight to help you cope with stress better. But first, let's take a closer look at what stress is.
Sometimes it's easy for us to know when we're stressed, but other times we may not even recognise that we're stressed. This is because stress can manifest in different ways, often affecting us both physically and emotionally.
When we feel stressed, our bodies release cortisol and adrenaline (types of hormones). This is how the body reacts to a threat and prepares us to be able to fight, run away or freeze (called the 'fight, flight or freeze' response). In the past, humans relied on this response to deal with threats such as sabre-toothed tigers and other life or death situations.
These days, we tend to experience less life-threatening moments day-to-day but are instead faced with less tangible threats such as a bulging inbox. While our threats have changed and evolved, our brain's response has not. This means the stress hormones still get released and we feel the effects, even if we're not in a life and death situation.
If anything, our brains have become more sensitive to perceived threats and can go into overdrive. This can lead to chronic stress and conditions like anxiety.
Stress can affect us in different ways and the causes can vary. For some, it's triggered by being under pressure, coping with a big change or lacking control in a situation. For someone else, a lack of things to do can cause stress or having responsibilities that feel overwhelming.
What's stressful for one person may not necessarily be stressful to another. You may have a clear cause for your stress, or it may be a build-up of smaller things. This will all depend on our individual circumstances.
There are lots of different ways to deal with stress and it's important to find something that works for you. This may mean making lifestyle changes and using self-help techniques (we share some tips on this further down) or it may mean getting professional support.
There are different types of support available depending on your personal circumstances. If you're worried about your mental health, seeking help from a mental health professional like a counsellor is recommended. If not, you may find it helpful to explore life coaching to see if this type of support is more suitable.
The aim of a coach is to offer you a sense of space, reflection and clarity. When it comes to stress, the coach's aim is to help you understand the root causes, rather than to 'fix' the symptoms. This is done through a series of conversations where the coach will ask questions to help you gain understanding, and offer insights or reflections you may not have considered.
Having someone unbiased and unconnected to any other areas of your life to talk to about stress can help you process your feelings in a safe environment, without judgement.
Those who offer stress coaching may also be able to help you come up with strategies and coping techniques to reduce stress and cope better with it when it arises. This may include learning relaxation skills, journaling techniques or even meditation.
Understanding what is causing you to feel stressed means you can change habits and behaviours that lead to the stress - for example, boundary setting and saying 'no' more. Your coach will guide you through these changes, offering support the entire way.
Sometimes, we can't control what stressful events are going to happen to us. By working with a coach, you can develop your emotional resilience so you're better able to cope. So often it's not the event itself that's stressful, but our reaction to it.
If you find the right coach, they will be able to help you deal with your anxiety or stress and feel like yourself again. Look for someone who is happy to have a chat and listen to what you have to say - rather than someone who is just trying to sell themselves. Ask how they might approach your situation.
- 'Can life coaching help with anxiety and stress?' By Rachel Coffey, BA, MA, NLP Mstr.
Once you have found a coach you're happy to work with, you can book in an initial consultation. This is often a meeting or call where you can outline what you're struggling with and find out if you and your coach are a good fit.
When you're both happy, you can start the coaching process. This will differ depending on the coach, however, typically it involves a number of conversations that either take place in-person or online. Throughout these conversations, you will work on uncovering the cause of your stress and work in ways to reduce it and manage it better.
You may set goals for yourself and have particular areas you wish to focus on in each session. Your coach will be able to tell you more about the number of sessions you'll have and how they'll work.
When you come to the end of your coaching you can reflect on the progress made and make an action plan for how you'll move forward without your coach. They may well offer thoughts and suggestions for self-help techniques you can utilise to continue the work from coaching.
I use the techniques I learnt to relax and further practise the ability to put to one-side situations which are not important - or need prioritising in order of importance. I have since become a much more content person, achieving fulfilment, self-value and restored self-confidence in my own ability.
Alongside and after your coaching you may be encouraged to try some self-help techniques to help reduce your stress. Here are some examples of what may be recommended.
Time, or the lack thereof, can often influence our stress levels. Learning how to prioritise and manage your time can help when you feel overwhelmed. Try setting clear boundaries and don't be afraid to say no if you're unable to attend an event or take on more work - your health should be a priority.
Delegating tasks and asking for support can help to lift off pressure you may be feeling. This could be at work (for example, asking your manager for support with a task) or in your personal life (for example, asking your parents to look after the kids one afternoon).
An act of self-care is anything that involves taking care of yourself. This can be as simple as taking a shower or as extravagant as booking a five-star holiday in the Maldives. Spend some time considering what self-care practices you have in place and see if you could benefit from adding more to your routine.
Having too much sugar or caffeine can lead to physical symptoms similar to anxiety (heart palpitations, feeling dizzy) and may exacerbate stress. If you're having a particularly stressful day, try to lay off the coffee and sugar, your body will thank you for it.
Meditation, mindfulness and deep breathing exercises can all help you to manage stress when it arises. There are lots of apps available to help you learn and it's something you can come back to time and time again.
If you don't currently do any exercise, now could be a good time to increase your activity levels. Exercise helps to reduce stress and improve overall health and well-being. The key to keeping it up is to pick an activity you really enjoy, whether that's going for a walk or hitting the gym.
Try and incorporate fun into your schedule! Work and home life can feel very serious at times so it helps to inject a little laughter into your day. Watch a funny movie or plan a games night with friends.
Lack of sleep can make stress feel more intense and difficult to deal with. Try getting more sleep by reducing screen time before bed and setting up a wind-down routine.
Make sure you not only take breaks throughout your day but throughout your month and year. Book in time off, schedule rest and if you can, plan some getaways. A change in routine can often feel as good as a rest.
Surround yourself with supportive people and turn to them when you need to. Spend time connecting with friends and family - talking about what's worrying us can help us process how we're feeling.
If you want to add a coach to your support network, use our search tool today.


For absolute assuredness around credit risk, complete your business credit report with a bank code update.
As a business striving for problem-free, profitable dealings with customers, you know how important complete, accurate and up-to-date credit information is, and you will want to leave no stone unturned when it comes to assessing creditworthiness.
As South Africa's leading credit bureau, pbVerify provides you with all the products you as a business need, to guarantee sound commercial transactions – including a Bank Code Update service to round off business credit reports.
Complementing pbVerify's recently launched XDS Business Credit Report, is our commercial bank code update service – also provided by XDS – that allows you to acquire an up-to-date bank code from any listed South African bank.
Bank codes are critical when it comes to assessing the credit limits and creditworthiness of potential customers. Before extending credit to any business, request a Bank Code Update on the pbVerify system to the value of credit you are considering.
In a nutshell, this is how it works: After you have submitted the required information, pbVerify's Bank Code Update service makes contact with the customer in question's bank, and requests the latest bank code against the desired Rand value. The return bank report is kept in your pvVerify account and can be retrieved any time after it is received.
A bank code is essentially a code provided by a bank on the company in question's account, representing how good the company is for the amount of credit it is applying for. This is an investigation report that takes 24 hours.
As the business looking into a company as a potential customer, you are required to enter the company's bank details (bank name, branch, account number) and the terms of the enquiry. For example, if the company in question signed a credit agreement of R10 000 for 12 months. The terms would then be R10 000 at 30 days over 12 months.
Before requesting a bank code, businesses need to ensure that the company registration number matches that associated with their bank account.
It takes 24 hours from the time of enquiry for a bank code to be returned to the business enquiring.
This product is only available for companies – a bank code cannot be requested for an individual.
SA's leading data bureau has added a new B2B product to its extensive suite of credit risk management products.
SA's leading data bureau, pbVerify, has just launched a new product to complement its existing B2B suite – the XDS Business Credit Report.
The new product will furnish businesses looking to draw business credit reports with instant insight into the existing status of any company that is registered with the Companies and Intellectual Property Commission (CIPC).
XDS is one of South Africa's leading credit bureaus and, while pbverify has been an XDS partner for many years and offered a range of consumer verification products, the new XDS report is the first business product to be launched on the pbVerify website.
A comprehensive overview and statement of the credit status of any company being researched for credit worthiness, the XDS Business Credit Report is competitively priced and offers all the information (on both the company and its directors) a business requires to make sound commercial decisions.
The information offered in the XDS Business Credit Report also helps businesses prevent fraud by exposing whether any prior legal action has been taken against the company in question. It also gives businesses assurance that the Business and Principal information the company in question has provided, is 100% legitimate.
Note: When drawing a business credit report, consent will always be required in terms of the National Credit Act (NCA) and its Prescribed Purposes. Read more about this here.


Award-winning designer Orlando Diaz-Azcuy recently collaborated with furniture maker Matsuoka on a line of Japanese-inspired furnishings, launched at A. Rudin. Dubbed the Symphony collection, Diaz-Azcuy named each of the pieces after renowned musical compositions by different artists, including Eroica (Beethoven), Scheherazade (Rimsky-Korsakov), and Fantastique (Berlioz). However, Diaz-Azcuy and Matsuoka don't ignore contemporary composers; a matte coffee table with an angled base is named Satyagraha, a nod to a Philip Glass opera inspired by the life of Mahatma Gandhi.
Although the names of the individual pieces reference music, the title of the collection also refers to symphony in other senses of the word, such as symmetry, as each piece features a subtle, artful beauty. The title further suggests the collaboration itself, a harmonious orchestration that balances two perspectives — that of a forward-thinking, San Francisco-based designer with 50 years of influence on the global shape of design, and that of a family-owned, Japanese brand, originally founded in 1866 to craft traditional wedding furniture.
The collection comprises two dining tables, a console, a coffee table, and two styles of cabinets, and is now available at select showrooms, including A. Rudin. Explore Symphony from Diaz-Azcuy and Matsuoka below.


text:
Transport charity needs volunteers
Members of the Churchill and Langford Minibus Society. - Credit: Archant
A charity which has helped hundreds of vulnerable people for several decades has issued a plea for volunteers.
Churchill and Langford Minibus Society, which is a lifeline for many people without access to transport, needs more drivers to ensure it can meet demand.
The minibus society, which has been running for four decades, has two vehicles and serves people living in Churchill, Langford, Burrington, Shipham, Banwell, Sandford and Winscombe.
Spokesman Alan Purcell said: "In recent times a number of our drivers have had to stand down due to either age or illness.
"We therefore need to recruit new drivers in order that we can continue to meet all the requests being made.
"Training is given to all drivers and we match journeys to their availability although most have a set day in the month they choose to work."
For more information, call chairman Malcolm Letts on 01934 852314.

redpajama_set_name: RedPajamaCommonCrawl


being held in Key West, FL on March 16-19, 2015 will be an exciting event and if this year is like previous years the tournament will raise a sizable donation for the Bonefish Tarpon Trust.
Schaefer is pleased to announce that her Permit Tailing Buckle will be the winning trophy in 6 categories. And, Taf designed a Permit Stud Earring for men and Permit Dangle Earrings for women to benefit the Tournament and their work on behalf of the Bonefish Tarpon Trust.


text:
Q: Single endpoint instead of API - what are the disadvantages? I have a service, which is exposed over HTTP. Most of traffic input gets into it via single HTTP GET endpoint, in which the payload is serialized and encrypted (RSA). The client system have common code, which ensures that the serialization and deserialization will succeed. One of the encoded parameters is the operation type, in my service there is a huge switch (almost 100 cases) that checks which operation is performed and executes the proper code.
        case OPERATION_1: {
            operation = new Operation1Class(basicRequestData, serviceInjected);
            break;
        }
        case OPERATION_2: {
            operation = new Operation2Class(basicRequestData, anotherServiceInjected);
            break;
        }

The endpoints have a few types, some of them are typical resource endpoints (GET_something, UPDATE_something), some of them are method based (VALIDATE_something, CHECK_something).
I am thinking about refactoring the API of the service so that it is more RESTful, especially in the resource-based part of the system. To do so I would probably split the endpoint into the proper endpoints (e.g. /resource/{id}/subresource) or RPC-like endpoints (/validateSomething). I feel it would be better, however I cannot make up any argument for this.
The question is: what are the advantages of the refactored solution, and what follows: what are the disadvantages of the current solution?
The current solution separates client from server, it's scalable (adding new endpoint requires adding new operation type in the common code) and quite clear, two clients use it in two different programming languages. I know that the API is marked as 0-maturity in the Richardson's model, however I cannot make up a reason why I should change it into level 3 (or at least level 2 - resources and methods).

A:
Most of traffic input gets into it via single HTTP GET endpoint, in which the payload is serialized and encrypted (RSA)

This is potentially a problem here, because the HTTP specification is quite clear that GET requests with a payload are out of bounds.

A payload within a GET request message has no defined semantics; sending a payload body on a GET request might cause some existing implementations to reject the request.

It's probably worth taking some time to review this, because it seems that your existing implementation works, so what's the problem?
The problem here is interop - can processes controlled by other people communicate successfully with the processes that you control?  The HTTP standard gives us shared semantics for our "self descriptive messages"; when you violate that standard, you lose interop with things that you don't directly control.
And that in turn means that you can't freely leverage the wide array of solutions that we already have in support of HTTP, because you've introduce this inconsistency in your case.
The appropriate HTTP method to use for what you are currently doing?  POST

REST (aka Richardson Level 3) is the architectural style of the world wide web.
Your "everything is a message to a single resource" approach gives up many of the advantages that made the world wide web catastrophically successful.
The most obvious of these is caching.  "Web scale" is possible in part because the standardized caching support greatly reduces the number of round trips we need to make.  However, the grain of caching in HTTP is the resource -- everything keys off of the target-uri of a request.  Thus, by having all information shared via a single target-uri, you lose fine grain caching control.
You also lose safe request semantics - with every message buried in a single method type, general purpose components can't distinguish between "effectively read only" messages and messages that request that the origin server modify its own resources.  This in turn means that you lose pre-fetching, and automatic retry of safe requests when the network is unstable.
In all, you've taken a rather intelligent application protocol and crippled it, leaving yourself with a transport protocol.
That's not necessarily the wrong choice for your circumstances - SOAP is a thing, after all, and again, your service does seem to be working as is? which implies that you don't currently need the capabilities that you've given up.
It would make me a little bit suspicious, in the sense that if you don't need these things, why are you using HTTP rather than some messaging protocol?

redpajama_set_name: RedPajamaStackExchange


text:
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using System.Text;
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{
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		public MsofbtContainer(EscherRecord record) : base(record) { }

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redpajama_set_name: RedPajamaGithub


text:
Modernizing your building's elevators means addressing fire alarm system upgrades, too
Modernizing elevators can be a complicated process. Building codes in B.C. now require all new and upgraded elevator systems to be interconnected with the building's fire alarm systems. So, when a B.C. hospital recently needed nine high-traffic elevators upgraded, working within the constraints of a hospital setting compounded these challenges.
In the case of this busy urban hospital, doctors, nurses and other staff constantly use the elevators to move themselves and patients quickly from floor to floor. This meant elevator downtime had to be carefully planned to minimize the impact on patients and core hospital work. The elevator system upgrades also had to be designed to work within the facility's existing electrical systems, which carry multiple sensitive loads that power, for example, operating rooms and life-critical equipment. In addition, the upgrades included replacing an automatic transfer switch, which switches the elevators' power system to the hospital's own backup power supply in the event of local BC Hydro power failures.
Primary project consultant GUNN Consultants brought Prism on to help.
"The unique thing about this project was that it required so much more electrical review and work than most elevator modernization projects because of the hospital's complicated electrical systems," says David Joo, Electrical Engineer and Associate at Prism Engineering and our in-house service area lead for fire alarms.
Prism designed the electrical distribution for the nine new elevators and its interconnection with the hospital's fire alarm system. We also upgraded the automatic transfer switch so that the elevators could receive emergency alarm signals, and updated the elevator machine room with an electrical feed to the new elevators, new LED and emergency lighting, cooling units, and a fire alarm interconnection.
Unlike many other elevator upgrade projects we've worked on, the hospital didn't require a fire alarm upgrade, as it had been upgraded only a few years prior.
With careful work scheduling to limit impacts on hospital personnel and patients, the nine elevators, their systems and the elevator room were successfully upgraded to code.
Read more of our elevator–fire alarm system modernization case studies here.
The elevator–fire alarm system connection
British Columbia's aging building stock means an increasing number of elevators are due to be replaced, and building codes now require that new and upgraded elevators be connected with building's fire alarm systems.
"We often get feedback from clients looking to modernize their elevators who say they hadn't known they also had to upgrade their fire alarm systems,'" David says.
Interconnecting building elevator and fire alarm systems is a major life-safety requirement. A properly connected modern fire alarm system automatically signals the elevators in the event of a fire in the building. Upon receiving the signal, the elevators are programmed to bring everybody already inside the elevator down to the main level, open the doors, and remain open.
Newer addressable fire alarm systems identify which fire alarm device in the building was initiated and respond accordingly. Specifically, if a smoke detector in the ground-floor elevator lobby is triggered, the system instructs the elevator controller to stop on an alternate floor to avoid the fire.
Prism's approach to elevator modernization
Every year, our electrical team completes up to 20 elevator modernization projects with fire alarm elements. With key partner GUNN Consultants, we have completed close to 100 projects to date in residential, commercial, industrial, healthcare and education buildings.
Our approach to elevator modernization involves reviewing the fire alarm systems and designing needed upgrades. We review and design electrical systems to suit new elevators, including replacing power feeders and cables, specifying the proper electrical protection for the elevators' motors, and making sure the code requirements are met.
Working with elevator consultants and contractors, we also offer full fire alarm upgrades and elevator interconnection, Dedicated Detection Recall System implementation (Vancouver), and electrical work associated with complying with CSA B44 Elevator Modernization requirements.
In addition, we check and design updates to the machine rooms where the elevator equipment is housed so that it meets building code requirements. This often means improving the room's lighting, upgrading the elevator's electrical grounding system so that it is GFI rated, and replacing the disconnect switch to the elevator.
Read more about Prism's approach to fire alarm upgrades here.
Is your building due for an elevator upgrade, but you're not sure what may be involved? Email our in-house service area lead for fire alarms, David Joo, at davidj@prismengineering.com.
Understanding the City of Vancouver's new carbon pollution limits
In response to the City of Vancouver's Climate Emergency Action Plan, Vancouver City Council approved recommendations this past May to introduce greenhouse gas (GHG) emission regulations for existing large commercial and retail buildings. The regulations include GHG intensity (GHGi) limits and heat energy limits, as well as annual energy and carbon reporting requirements.
The GHG emissions and heating energy limits for these building types will require owners and energy utilities to plan for deep carbon retrofits and investments in alternative energy sources. Key highlights:
The energy and carbon reporting requirements come into effect in 2024.
The GHGi limits come into effect in 2026, with a proposed $350/tonne CO2e fee for emissions that exceed the limit.
The heating energy limits come into effect in 2040, with a proposed $100/gigajoule fee for heating energy that exceeds the limit.
Other regions and cities, including Metro Vancouver, are now also considering following suit and introducing GHGi and heating energy limits for their regions.
Although the limits are a positive step towards decarbonizing the building sector, much work remains to be done to make these buildings comply with the regulations. Currently, many buildings do not meet the limits stipulated in the bylaw. According to PUMA's 2021 office building benchmarking report only 10 per cent of buildings within the dataset currently fall within 2040 heat energy limits, 80 per cent fall within the 2026 GHGi limits, and 2 per cent fall within the 2040 GHGi net-zero limits. Although 2026 and 2040 may seem like the distant future, retrofitting buildings to achieve the deep reductions targeted takes several years, effort and cost. Getting an early start on this work is critically important.
The good news is that help is available. Several programs can be leveraged to support the transition to lower GHGi and heating energy in existing buildings.
Deep carbon retrofit studies to assess potential technical solutions are often a great place to begin and allow for planning of upgrades over time.
Low-carbon electrification and heating plant upgrades can be effective ways to reduce building GHGi and heating energy consumption.
The PUMA online monitoring platform also offers an effective way to track carbon and energy to meet the reporting requirements the City of Vancouver will begin enforcing in 2024.
Various funding streams also exist to help you move forward with these initiatives — check out this article we wrote recently on rebates and incentives.
Interested in finding out more about these new regulations and what they mean for your buildings?
Feel free to reach out to us — we'd be happy to chat. Contact Iram Green, Energy Team Lead, at iram@prismgengineering.com.
Dogs, aerial silks, and energy studies at Prism's Nelson office
Whether you are a curious client or an interested career explorer, do you ever wonder what Prism's Energy Engineers do in a typical day?
We are excited to be featuring a day in the life of Lizz Hodgson, P.Eng., one of the Energy Engineers working out of our Nelson office.
"I typically get into the office around 9 a.m. with my dog, Otago," Lizz tells us. "We settle in by grabbing some water or a coffee and touching base with my team members before logging onto my computer. Having Otago here brings some levity to the office – he has quite a presence! I love that the casual setting we have allows me to include him in my office days."
Lizz and Otago in Prism's Nelson Office
Lizz's mornings usually involve some administrative preparation, such as coordinating site visits, gathering utility data, and scheduling planning sessions with colleagues or clients.
For example, the weekly Monday morning planning meetings gather all of Prism's Energy team members together online from our Nelson, Kelowna, and Burnaby offices to review project priorities for the week and to highlight areas on which team members can collaborate and support each other.
Lizz's afternoons are often filled with client meetings, presentations, facilitating workshops, or project work such as energy modelling and analysis.
On a few days each week, Lizz uses her lunch break to fit in some exercise. She visits the gym at the local recreation centre, two blocks away. She also attends a circus training school, Discover Circus, that's located in the same building as our Nelson office. The school's aerial silks classes allow her to engage with her artistic self and take a social break. It's great exercise, too, she says.
"It has become important to my mental health to create work–life balance," she says. "Living in Nelson and working for Prism allows me to keep work and play close together. I can step away from the computer to do something completely different by challenging myself physically. I come back to the office feeling accomplished and ready to tackle the rest of the day!"
On a recent fall day, we caught up with her as she was preparing to lead a 90-minute workshop for a local municipality. Lizz is the technical service area lead for Greenhouse Gas Emissions (GHG) Planning, and she has been working with the municipality on an emissions reduction pathway feasibility study. She told us that, before the study is finalized, she will incorporate feedback from stakeholders and facilitate the discussion around the identified pathways as part of the process to foster organizational buy-in.
As with any of our Energy Engineers, Lizz's level of involvement varies from project to project and depends on each client's needs. For example, organizations that have their own sustainability and energy teams may already have a decision framework in place to help guide their discussions. The objectives of these discussions are to identify barriers to implementation, ensure the recommended measures are within the decision framework, gain engagement from stakeholders, and guide the setting of priorities to meet the client's goals and targets. Clients that don't have that kind of in-house expertise may require more of Lizz's involvement to help them determine targets and solutions, engage stakeholders, and set client-appropriate priorities.
The work is diverse and stimulating.
"I enjoy the varied nature of my role at Prism and look forward to new challenges my projects bring me each day," Lizz says. "I'm not always writing technical reports — I'm often on site, I'm leading workshops, I'm researching new technology. Even when I'm at my desk, I collaborate with various engineering teams within Prism to create thoughtful and integrated solutions for our clients. Along with enjoying the people I work with, I get lots of learning opportunities too."
Lizz on site at a recent mechanical installation in Nelson, BC.
At Prism, we recognize that our people are at the heart and core of our services and our overall success. Together, we nurture an engaging work environment that is rooted in respect for people and supports a culture of care.


Do you charge for an initial visit?
Yes, we feel professional advice from and experience orthodontist regarding your dental and health care has value and should be recognized as such. We charge a $50 fee for children and a $90 fee for adults, who often have more complex issues.
At what age do you start seeing patients?
As a rule of thumb, we like to evaluate young patients after the 6-year molars erupt and the front permanent teeth just start to appear. This is usually between the ages of 6 and 8. The American Association of Orthodontists recommends that all children be seen for the first time by age 7.
Why do you evaluate patients so young?
The purpose of early evaluation is to identify developing problems that may, if left untreated, lead to a more involved, complex and difficult set of problems to correct with a more invasive treatment plan in later years. Children have tooth alignment and bite problems that are often evident at an early age. While many of those children can still have an excellent outcome by waiting until the teen years to begin treatment, for some of those children the best outcome results from an early phase of treatment followed by a second phase of treatment in the teen years.
How long will the first visit take?
The first visit is usually between 30 and 45 minutes depending on how complex the issues are and what the different treatment options may be. We will complete our examination, note all of our findings and recommendations in the electronic record and explain those findings and recommendations to you and answer any questions you might have. We may also suggest one or more X-rays to allow us to provide you with the information you require.
Do you take patients transferring from out of town?
Yes we do. We handle a patient transferring into our office from another city just like a new patient. We perform our examination, note all of our findings and recommendations in the electronic record and explain those findings and recommendations to complete the work that has been started. We do not accept patient transfers from local orthodontists.
Do you have any adult patients?
Absolutely. A growing percentage of our patients are adult and Dr. Iezman specializes in comprehensive team dental care for adults. New, more cosmetic appliances are also making adult treatment much more comfortable and convenient. Learn more here.
What is the difference between an orthodontist and a dentist?
An orthodontist is a general dentist that has had at least 2 or more years of full-time training in orthodontics resulting in a nationally accepted specialty certificate. An orthodontist then limits their practice to straightening teeth and correcting bites. While general dentists are allowed to perform orthodontic treatment there is a substantial difference in their level of training and experience level.
Can I make all my appointments in the afternoon after school and late in the day?
In order to have early and late appointments available for the majority of patient appointments, some of the longer procedures require scheduling between the hours of 9 and 3. We understand your busy lifestyle and will do our best to accommodate your family needs.
Do you see patients for emergencies?
Yes, our contact information for an emergency is posted on the website. Feel free to visit our emergency care page for more information.
Yes. Whether or not you have insurance or a dental plan, we will design a convenient payment plan that will allow you to pay for orthodontic services over a period of time that usually coincides with your treatment plan. Learn more here.
How do you handle insurance?
As a courtesy, we will verify your coverage, bill, and post payments from your insurance carrier. However, while we provide value and service to our patients by assisting them, we ask patients to understand that insurance is a contract between them and the insurance company and the responsibility for accurate information, payments and continuity of coverage is theirs. The patient is still responsible for the agreed upon fee regardless of whether the expected insurance company coverage is received by our office or not.
Do you take American Express, MasterCard and/or Visa?
Yes, we accept all major credit cards.
Do you offer direct debit?
Yes, we offer direct debit and direct charge card posting.
No we do not. Our goal to make orthodontic treatment affordable and we do our best to reduce cost wherever possible.
Do you give family discounts?
Yes, we have a family care discount for multiple patients from the same family. Feel free to discuss with our financial team.
If I need to be pre-medicated for the dentist, do I need to be pre-medicated for the orthodontist?
Yes but only for certain procedures, not for all appointments.
Do retainers need to be worn after braces?
Yes, retainers are worn full-time for about 3 months followed by nighttime wear indefinitely.
Why do teeth get crooked after wearing braces or aligners?
Teeth move throughout life whether you have worn braces or not. It is part of the natural aging process. This is why retainer wear is recommended indefinitely to maintain your orthodontic results over your lifetime.
These guys are clean, professional and polite. The staff has become like family. Would definitely recommend!
Proudly serving the orthodontic needs of patients in the communities of Berkeley Hills, Gourmet Ghetto, North Campus, Northbrae, Oceanview/4th street, Thousand Oaks, UC | Southside, West Berkeley, Solano Ave, Albany Hill, Westbrae, Memorial Park, Mira Vista, St. Jerome's, Kensington.


text:
Metros, Delhi
Demand for observors at mosques splits BJP
THE ASIAN AGE. | SHASHI BHUSHAN
Published : Mar 18, 2019, 3:57 am IST
Updated : Mar 18, 2019, 3:57 am IST
A party leader said that the letter was sent without any discussion at proper platform and approval of competent authority.
It is learnt that the adventurism was done without the knowledge of Delhi BJP president Manoj Tiwari and Siddarthan and came as a surprise to both of them. (Photo: Biplab Banerjee)
New Delhi: Differences have cropped up in Delhi BJP which has urged the chief electoral officer (CEO) to appoint special observers at the mosques to prevent their misuse for political gains during the Lok Sabha polls. Even the central leadership also raised objection over the content of the letter.
A senior party functionary told this newspaper that the letter was sent even without the knowledge of general secretary (organisation) Siddarthan.
A section of the party claimed that the whole development was adventurism of the convenor of Delhi BJP's legal department, Neeraj and few other office bearers.
In a letter written to the CEO (Delhi), Mr Neeraj had requested the appointment of special observers at the mosques, quoting recent attempts to polarise votes in the run up to the polls, by some politicians.
It is learnt that the adventurism was done without the knowledge of Delhi BJP president Manoj Tiwari and Siddarthan and came as a surprise to both of them.
Attempt to get Mr Tiwari's reaction turned futile and Mr Neeraj refused to comment.
Tags: chief electoral officer, lok sabha polls, delhi bjp
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YEREVAN, ARMENIA (15 November 2018) — The Asian Development Bank (ADB) has approved a $50 million policy-based loan as part of an ongoing program of financial reforms to strengthen public debt and fiscal risk management and develop financial markets in Armenia.
The second subprogram of the Public Efficiency and Financial Markets Program supports the Government of Armenia's efforts to consolidate fiscal reforms, reduce financial risks in the economy, provide a sustainable framework for financial markets development, and usher in a more conducive environment for private sector involvement in infrastructure development. ADB provided $40 million in October 2017 to the first subprogram.
While financial institutions in Armenia have improved their contribution to the country's economy over the years, financial markets remain nascent. This limits the development of the private sector in the country, which is vital for Armenia's growth and development. This situation is also affecting public finance, fiscal management, as well as macroeconomic and financial stability in the country—factors that are crucial in improving investment levels in Armenia, which has declined to 18% in 2017 from about 40% of gross domestic product before 2009.
Through various policy reforms, the Public Efficiency and Financial Markets Program is aimed at strengthening Armenia's public debt and fiscal risk management through capacity building of various agencies including the Public Debt and Management Department as well as the Ministry of Finance. It also aims to improve the government's securities market and money-market infrastructure, while broadening the range of financial instruments available to attract more private investments in the country. The second subprogram continued these reform efforts.
If the reforms are sustained, more developed financial markets will help Armenia in various ways, including supporting government funding in the domestic market; developing local capital markets; providing suitable instruments to authorities to deal with macroeconomic shocks and risks to financial stability; and improving the efficiency of capital allocation and intermediation in the country.


Every year, and oftentimes every season, expert designers and decorators determine what "the look" truly is. Whether it's Pantone announcing their Color of the Year or interior design magazines stocking a bookshelf with the top home décor trends, "the look" can be hard, and oftentimes expensive, to keep up with.
This year, the look is Hygge (HOO-gah) a Danish concept of comfort and hominess. So far, so good, right? I'm all about being comfortable in my own home. We actually broke down the 10 elements of Hygge and how you can get the look in your home.
However, as every new trend enters the mainstream, you'll start to notice home décor and furnishings embodying that trend tend to skyrocket. Today, we'll go over the top five elements of Hygge and how you can achieve the look your home without having to take out a second mortgage.
Excuse me while I decorate every room in my home with an over-sized, faux fur blanket.
Comfort isn't a new concept. Let's be honest, most of us were piling on giant blankets before it was considered fashion-forward. But with the emergence of Hygge, big blankets are finally getting the love they deserve in the style world.
With this year's look, blankets have taken the form of faux fur, a simultaneously luxurious, yet stylish addition. However, since this style is on-trend, it can also be pretty pricy.
However, if you're willing to go off name brand merchandise, you can still have this stylish find at a reasonable price.
Agate is a semiprecious, decorative stone, characterized by its fine grain and variety of color. It's on-point with Hygge's emphasis on nature.
While they come in various shapes, designs and colors, agate is a show-stopping piece of décor, also acting as an artistic statement piece with your other home décor pieces. As is it a semiprecious gemstone, it often comes at a particularity high price.
However, you can find some pretty convincing look-alike pieces that still make a home décor statement, without making a dent in your bank account.
Even if you don't consider yourself the host with the most, having serveware around the house can be a nice addition to your table or counter top, adding an amenity of luxury and convenience.
Hygge, however, uses hosting pieces as an expression of togetherness and hospitality. Therefore, by having items in your home that allow for hosting, like a serving tray, bar cart or cake display, you're embodying the idea of togetherness.
Drawing inspiration once more from Hygge's idea of nature, try incorporating a wooden serving tray in your kitchen or dining room area. You can find serving trays at an economical price, if you know where to look.
Like giant, warm blankets, candles aren't a new concept to home décor, but they're receiving more recognition with Hygge on the rise. They're not only a source of light and warmth in your home, they're also one of the more inexpensive decorative items to add to a room.
Unlike some of the other sources of light in your home, the soft lighting and sweet scent of candles provides a soothing and comfortable atmosphere that can pull together the other decorative elements in your home.
Depending on where you frequent, candles can sometimes be on the expensive side. So opt for a simple-looking candle with a soothing scent, so as to not overpower your space.
If you're not already in love with coffee, read on to become obsessed.
With the home décor shift from midcentury modern to Hygge, we saw a change from form and function to sweet and indulgent regarding furnishings and accessories. Hygge strongly advocates for guilty pleasures.
Since hosting is another concept of Hygge, share your indulgences with others by searching for items that aren't always necessary, but will add to overall enjoyment.
For example, a fresh coffee grinder may add a level of enjoyment to your cup of joe, while also being a conversation starter when visitors stop by.
With elements of warmth and hominess as the foundation of Hygge, it's not surprising why everyone seems to be obsessed with this emerging trend.
And while trends come and go every season, there are some concepts of home décor that remain the same. If you're looking to simply make your house look more inviting, check out our list of affordable ways to decorate your home.


You are here: Home / Kids In The Coop / These 10 Mess-Free Mother's Day Gifts Are So Easy For Kids To Make!
These 10 Mess-Free Mother's Day Gifts Are So Easy For Kids To Make!
So you want to have your kids make a cute craft for your mom for Mother's Day. But you're scared of the stress and the associated mess that comes from doing crafts with your kids. Yikes.
I totally understand. That's why I created this list of crafts your kids can make that are easy and (hopefully) mess free. But can anything with kids really be mess free? I'm not really sure. So here are some of my favorite "mess free" crafts that your kids can make for Mother's Day.
Ok, so this idea is the cutest! I love the idea of using a teacup as an alternative to using a classic pot. This project would be simple and inexpensive. All you would need to do is head out to your local thrift store with you kids and let them choose out a teacup. Then let them choose a simple flower (i.e geranium, herbs, etc) to plant in the teacup. Check out this blog post here for more detailed instructions for this project!
Also check out this website that has more info on how to drill a hole in the bottom of your teacup to ensure proper drainage!
I love these simple garden markers! You could have your kids paint each of the spoons and then if they're old enough have them draw each of the different vegetables.
Or if you're going for an even simpler idea try these garden markers made with popsicle sticks. These markers are so easy, but super cute and fun!
And if you just want to avoid paint altogether (I know, it's messy) you could make garden markers from rocks! Just head out to the backyard, pick out some rocks that are (fairly) flat on one side and have your kids write plant names on the rocks using a white paint marker. This is as easy as it gets folks and it looks really cute! There are some pictures here of some rock garden markers to give you ideas.
I love garden stepping stones. I think they are so fun and add a nice touch to any garden. So these simple garden stones you can make with your kids are perfect! You just need quick dry cement, glass stones from the dollar store, and cereal boxes. You use the cereal boxes as the mold for the cement and then have your kids decorate each of the stones. Check out the full tutorial here Disclaimer: I recommend you don't let your kids pour the cement into the mold…that's just asking for trouble and a huge mess.
I love this cute pressed flower bookmark. It's a great excuse to go out in nature and explore with your kids and it's an easy craft for a Mother's Day gift.
This DIY Mommy/Grandma Survival Kit is an easy and fun gift for your kids to make. It's just a mason jar filled with fun things any mom or grandma would need. You could let your kids choose what they want to fill the jar with and then have them decorate the jar how they want to.
Handmade cards are the best. Kids say the funniest things and I always get a laugh anytime my kids write me a card. This handmade card just requires some googly eyes, cardstock, and a cupcake liner.
So I think Mother's Day cards are the best. So here's another one. This String Heart Mother's Day card is simple and mess free!
Ok, so this one is a classic. So take advantage of how easy this gift is! All you need are some fake flowers, floral tape, and a pen. Basically all you need to do is glue the fake flower to the pen and then wrap the pen with floral tape! Check out this tutorial for more detailed instructions.
And last but not least a "Shhh Mommy's Sleeping" door hanger. I need this. I'm probably going to have my kids make this for me tomorrow because it's awesome. This door hanger is a super easy craft your kids can make to remind them not to disturb mom while she's taking a nap. You're welcome ladies.
Do you have more ideas of easy, mess-free kids crafts for Mother's Day? Share them with me in the comments!


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Synagis' Special Status Under Health Care Reform
It is every marketer's dream to have a product that is in a class by itself.
AstraZeneca/MedImmune's respiratory syncytial therapy Synagis (pavilizumab) can claim that distinction in an entirely new way as the Centers for Medicare & Medicaid Services implements new rebate provisions for the Medicaid prescription drug program under the Affordable Care Act: Synagis is the only drug that will benefit from a new, lower mandatory rebate on drugs that are "approved by the Food & Drug Administration exclusively for pediatric indications."
Recall that the health care reform law raised the minimum Medicaid rebate percentage from 15.1% to 23.1% for most brand name drugs. But the law sets a lower rebate amount (17.1%) for two classes of drugs : clotting factors and pediatric-only drugs. (For a complete analysis of the Medicaid rebate changes, see here.)
If that isn't complicated enough, the new rebate amounts were effective retroactively to Jan. 1 (the law was signed at the end of March), but CMS didn't provide any guidance on which products were covered until now.
For clotting factors, the list of covered products was pretty simple, since the new rebate provision specifically cites products that already receive a separate furnishing payment from Medicaid. So that list of affected drugs is no surprise. (Manufacturers who benefit include Bayer, Aventis Behring, CSL Behring, Novo Nordisk, Baxter, Talecris, Grifols and Pfizer/Wyeth).
But it was by no means clear what products were covered by the "pediatric-only" exemption. Now we know: Synagis. (The official "list" is here.)
It turns out that Synagis is the only product approved by FDA all of whose indications are explicitly limited to pediatric use (from birth to age 16). That, at least, is what CMS determined. (The agency does invite anyone who is "aware of other drugs that meet the pediatric definition specified" by CMS to email mdroperations@cms.hhs.gov .)
We note with amusement that CMS' explanation of how it came up with the "list" runs a full page. For that matter, the section of the law that CMS is interpreting [Sec. 1927(c)(1)(B)(iii)(II)(bb) for all you Medicaid rebate wonks] is longer than the list of covered drugs. Wouldn't it have been easier just to say "the minimum rebate on Synagis is 17.1%?"
Okay, that's not how legislation works. And we suspect AstraZeneca is just as happy that the provision flew beneath the radar screen a bit; there is enough controversy about the pharmaceutical industry's "deal" on health care reform--a deal, we might add, negotiated by the Pharmaceutical Research & Manufacturers of America when it was chaired by David Brennan, CEO of AstraZeneca.
But a bit of perspective here. We assume AZ is pleased that the minimum rebate on Synagis is lower than for most brands, but it is not like AZ will reap some kind of windfall as a result.
First, the new minimum rebate is still two percentage points higher than the old 15.1% minimum rebate. According to MedImmune's 2006 10K filing (the last filed by the firm before it was acquired by AZ), every percentage point increase in Medicaid rebate liability translates into roughly an $11 million hit to sales for the brand.
Then there is the separate provision of the health care reform law extending Medicaid rebates to managed care plans. While that affects a relatively small segment of the overall Medicaid prescription drug market, the impact per unit sold is large (in this case, no rebate to 17.1% minimum).
Last but not least, there is a provision in the new rebate rules that attempts to recoup rebates on new formulations of products. The idea is that, if a sponsor changes a formulation and sets a new price point, it should still pay the same amount in rebates (or more) as it did under the old formulation.
We think that provision affects Synagis as well, since (as MedImmune disclosed in the 2006 10K filing), "during the fourth quarter of 2005, we successfully transitioned to the liquid formulation of Synagis in the US from the lyophilized formulation, which has resulted in a reduction in allowances for government rebates and an increase in net realized price during 2006."
That provision, however, is even less clearly defined in statute than the pediatric-only rebate--and CMS hasn't issued guidance on interpreting it yet. (We've written about the line-extension rebate in The RPM Report, here.)
So, net-net, AZ is paying much higher rebates on Synagis than it would have without health care reform. But, thanks to its special treatment under the law, they aren't quite as high as they might have been.
By Michael McCaughan at 8:01 AM
Labels: AstraZeneca, Health Care Reform
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Earlier this month marked my one year anniversary at The Hanover Theatre for the Performing Arts here in Worcester (pronounced Wuss-ta), Massachusetts. I realize it has been a while since I last wrote, and I even have a post that I've been planning for a while on all the strange things about living in New England. As appropriate as such a post would be on my first anniversary, I'll have to save it for a later date. I have other things on my mind.
It's been a quiet week in the office. Half of my co-workers were in New York City for the Broadway League Conference meeting famous people and seeing Broadway shows for free. So, I have two things going through my mind.
First, I dread the end of the office silence. My co-workers push and challenge me in new ways that, I admit, scare me. I want to please everyone, and mistakes feel like my forte at times. The Hanover Theatre is a fantastic, positive, employee-centered place to work. My supervisors are great at praising me when I do something right. But forging through a week without that push back and feedback is incredibly relaxing and a great vacation of sorts. There's no fear of misunderstandings or missteps. But tomorrow I go back to growing as a person and as a professional. At least until my mom gets here and I take a week off for vacation. Then I just have to worry about everything I can or can't keep up on while I'm out.
The other thing I've had on my mind and that I feel God fighting me on is my sense of entitlement to "something better," for lack of a better description. Even with all the great blessings of the past year, I still fear failure. And with all the great things given to me in the last year, with much more on the horizon, I still feel the pangs of jealousy when I see my co-workers checking in at Broadway shows this week. But you have made enough money to save up for a vacation with your mom! Yes I have. But you had enough money left over this month to buy tickets to Aladdin and Moulin Rouge in Boston, plus set up a payment plan for season tickets to the Providence Center for the Performing Arts Broadway season, which includes Hamilton! Yes, it's true. It's been a bit too easy to spend money lately, and I need to pull back. But is one french fry ever enough? Is a large french fry ever enough? Especially for an overweight, fried-food lover? I never had access to all these great things in California. I was content with seeing shows for free through BroadwayWorld.com. But now I'm so close to New York, and I've tasted what is possible!
Desires are tricky. God wants us to have passions. That isn't the issue. He isn't putting candy in front of the baby and then withholding it to be cruel. And, of course, He wants us to remember the ways that He has blessed us and worked in our lives. So what's the point? Well… there has to be a moment in the internal struggle where I remind myself that I am NOT entitled, that I am blessed with what I DO have, and that whatever life brings, this life is only temporary. There's so much more to come. That doesn't make the desires go away, and it doesn't fix my problems. But looking back at the last year, I am incredibly blessed. And guess who arrives tomorrow night? My mom is flying all the way from California just to see me!
As a bonus, please enjoy some of my favorite photos from the last year and experience all four seasons, New England style!


Midweek Storm To Bring Precipitation Over 24-Hour Period, But Will We See Any Snow?
Considering the frigid start to the week, it may be hard to believe that a midweek storm that will bring precipitation to the area for a 24-hour period is now not expected to include any snowfall.
Tuesday, Jan. 22 will be mostly sunny with a high in the mid- to upper-20s and the overnight low in the upper teens.
The storm will arrive along with a brief surge of warmer air. Rain is expected sometime after 2 p.m. on Wednesday, Jan. 23 on a mostly cloudy day with a high in the low-40s and wind-chill values between 20 and 30.
The warmer air continues Thursday, Jan. 24 and so does the rain. There's a 90-percent chance of rain with the high temperature expected to climb to the mid- to upper-40s. The storm should wrap up by around 5 p.m. Thursday.
Colder air will return overnight with a low around 22 degrees.
Friday, Jan. 25 will be mostly sunny with the high temperature around freezing.
A new Arctic blast will be in full force overnight Friday into Saturday, Jan. 26 with the low temperature dropping to around 12 degrees.
Saturday will be mostly sunny with a high in the mid-20s.
There's a chance for snow on Sunday, Jan. 27 on a cloudy day with a high around 32 degrees.


An estimated 31 percent (133 billion pounds) of food is wasted in the U.S. every year.
Denver Food Rescue (DFR) is hoping to reduce that – one pedal at a time.
DFR is a nonprofit organization that saves unspoiled produce from farms and grocery stores that would otherwise go to waste. It then redistributes that food to organizations that work with food-insecure and low-income families.
Amy Moore-Shipley, development and marketing coordinator at DFR, said about 75 percent of food pickups are done on bikes.
Image courtesy of Denver Food Rescue.
That includes the food itself.
While there are many food rescue programs out there, DFR does things differently by focusing on produce. After all, its mission is to increase health equity in Denver by reducing barriers to fresh, healthy food in food swamp (an area where there's an excessive amount of low-nutrient food) communities.
Much like Boulder Food Rescue, where DFR got its roots.
In fact, that community of founders noticed that a lot of good food was being thrown away. Most of it was produce simply because of the way that traditional food organizations go around and pick up food.
All of this good food was being thrown away, yet people that need and want it don't have access to it.
Now they do thanks to DFR and its volunteers, who bike up to 10 miles a day round trip on average.
Pickups and deliveries happen all days of the year. Even if there's a blizzard, in which case volunteers will use their cars; the food still gets moved no matter what.
The organization's staff consists of four full-time employees with over 100 volunteers who Moore-Shipley said do shifts at some point, with about 60 to 70 regular volunteers who are always on shifts.
Last year, 148 volunteers completed 1,747 food rescue shifts, travelling 18,000 miles on bike. They helped rescue 342,292 pounds of food, 62 percent more than what was rescued in 2015. Since 2012, 677,000 pounds of food has been rescued and redistributed.
This year's goal is to rescue 600,000 pounds of food. The more partnerships DFR gets with food donors and places for that to go, it's possible.
DFR is hoping to open four more no-cost grocery programs, which is where the food is actually taken. There's 12 now that are all community and resident-led. A typical grocery program serves about 50 families every week, with each family going home with about a week's worth of mainly fresh produce.
"We don't want to just show up in a community and be like, 'Eat this food.' We want to work with people that want access to healthier food," Moore-Shipley said.
Much like its programs, DFR has many events, including the Forward Food Summit. This year will be the 4th annual Forward Food Summit, which will be held on April 1 and will focus on storytelling and interactive experiences to get people talking about food.
So, what's the most rewarding part of Moore-Shipley's job?
Budget Dumpster is your community-focused source for a dumpster rental in Denver. This article is part of a series spotlighting organizations that are making a difference in the communities we serve. If you know of another great food rescue organization, let us know in the comments!


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Collecting your debts
Managing your super
Administering your trust
Giving to charity
Arguing with the Tax Office
Arguing with your spouse
Arguing with your business partner
2017 Federal Budget Impact Summary: The Reboot
Treasurer Scott Morrison has just unveiled his 2017 Federal Budget, which seems to have been met with responses ranging from mild indifference to mild approval.
Here is a brief summary of some of the main points that may affect you.
Increase to the Medicare Levy
The Medicare Levy will increase from 2% to 2.5% as at 1 July 2019. This will affect most taxpayers (as the Levy is fully payable by anyone with an income over around $26,000).
The purpose of the increase is to pay an additional $9.1 billion towards the National Disability Insurance Scheme (NDIS) (which is costing the Government $22 billion). Some folks (like Greens Leader Di Natale and Nick Xenophon) have said it the Government should have instead simply kept the 2% "temporary budget repair levy" (which only applied to people earning over $180,000) which they scrapped last year.
Small business instant tax offset remains
The Government has continued with the instant tax offset for small businesses (being those with turnover less than $10 million p.a.) which allows you to immediately claim a deduction of $20,000 during the year.
Some news for First Home Buyers
First Home Buyers will be able to utilise contributions to their super (taxed at 15%) to save for a house deposit, with these contributions capped at $15,000 per year, and $30,000 overall. Your First Home contributions would appear not to count towards your concessional contributions cap (i.e. the amount you can contribute from your employment) which is currently $25,000 for the 2017 income year.
It seems that super has only been used because the Government did not want to have people 'open a new account', so everyone's existing super accounts have been utilised for this First Home Buyer money – though this money does not appear to be treated like super (other than being taxed at 15%).
The specifics of this scheme are not quite clear such as, if you deposit First Home Buyer money but then do not buy a property, do these funds morph into superannuation to be stuck in your fund for your retirement, or can you draw them back out (after receiving the benefit of paying less tax on it)? We will let you know as this scheme becomes clearer over time, particularly in relation to what is the role of employers in administering it.
Older folks can downsize into super
People over 65 will now be able to make a non-concessional contribution up to $300,000 into super (and presumably use to generate an income stream in pension phase) if the contribution comes from downsizing their home (which they have lived in for 10 years).
A nibble on negative gearing
There have been some minor changes to negative gearing, with property investors no longer able to claim deductions for travel expenses – however the Government has largely left the remainder of the negative gearing provisions intact.
Foreign property owners
Foreign people who own property in Australia will have to pay extra charges for properties they leave vacant. This is supposed to address the concern that many foreign investors are buying up Australian properties but leaving them empty – something which is not helping the need for more rental housing. We are interested to see how the Government will actually be able to keep track of whether a house is kept occupied or not, and how easy it will be for foreign owners to engage in mischief around this.
Foreign people also no longer have the CGT 'main residence exemption' available to them when they sell their Australian home, which will mean they pay capital gains tax on the sale. Australian home owners retain their exemption.
New property developments will also have their foreign ownership capped at 50%.
Incentive to "buy Australian" on labour
Businesses that employ foreign workers under the Temporary Skills Shortage Visa will now have to pay a levy of up to $5,000 for each foreign worker that they employ, which will go towards training Australians.
Businesses that employ someone on a Temporary Work Visa will have to pay up to $1,800 per year, or pay a one-off levy for employees on a Permanent Skilled Visa.
It is not yet clear to us how these levies are to be calculated (such as when press releases say businesses will pay "up to $5,000"), and whether it will be applied across all businesses, or only specific industries. We will provide an update about this as further details come to light.
Another excuse to quit
The Government will increase taxes on 'roll-your-own' tobacco and smoke cigars, which is expected to raise $360 million over 4 years.
Taxing the Banks
Probably the most 'out of the box' measure in this Budget is the Government's introduction of a 0.06% levy on the Big Four Banks (Westpac, Commonwealth, ANZ and National Bank) plus Macquarie Bank, which will come into effect from 1 July 2017.
This measure is expected to raise $6.2 billion. Most people will have no problem with beating up on this hugely profitable industry. However it could be seen as a little arbitrary – with the levy's narrow focus being on the banking sector to the exclusion of others, and then particularly in the way that it focuses on 5 specific Banks only (why not Bank of Queensland etc.?).
Some commentators have suggested that this levy will affect the profits of the Banks, which will ultimately flow through to the shareholders.
The main concern is whether the Banks will simply pass these extra costs on to consumers (and would you like to take bets on this?). Treasurer Morrison has sought to reassure people by saying that the ACCC will watch the Banks to stop this happening, and in the end, consumers (at least theoretically) have the ability to go to local and regional banks as an alternative.
Going forward
Yes, there were more changes in the 2017 Budget (such as more spending on education and infrastructure, a gradual 'unfreezing' of Medicare rebates, and the use of random drug testing on welfare recipients – just to name a few), but these are the main ones we consider most relevant to families and business people.
As the Budget moves through Parliament, and more details are uncovered about these plans, we will provide you with updates.
If you have any questions about the Budget changes, and how they may affect your position going ahead, you can call us on 1300 654 590.
Call 1300 654 590 and speak with a lawyer
You'll be put straight through to a great lawyer who will guide you to the right solution.
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The first actions you need to take if you have been appointed to manage your family's charitable foundation or a Private Ancillary Fund
If you have been newly appointed to manage a Private Ancillary Fund, you may feel overwhelmed or unsure what you need to do first. You do not want to get bogged down in administration when real objective is to make a positive impact on your community. We have put together a simple list of the first actions you need to take to make sure you start on the right foot.


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Q: Spreadsheetgear - edit comment In Spreadsheetgear, I can right-click on a cell and select "edit comment".
I'd like to do the same from code. But I see only an "IRange.AddComment" method, no "EditComment"...
Is it possible?

A: Editing a cell comment in the manner you are speaking of is purely a UI-related task (presumably from one of the WorkbookView controls) and so you won't see any "EditComment" sort of API in SpreadsheetGear's "core" API such as the IRange interface.
Instead, you would need to call BeginEdit() method on the WorkbookView while the desired comment shape is selected.  Below is some sample code that demonstrates this:
// Assuming there's a comment in A1...
SpreadsheetGear.IComment comment = workbookView.ActiveWorksheet.Cells["A1"].Comment;

// Ensure the comment is visible.
comment.Visible = true;

// Select it.
comment.Shape.Select(true);

// Tell the WorkbookView to enable "edit mode" on the currently selected
// item, which in this case we know is the cell comment in A1.
workbookView.BeginEdit();


Ultimately, a challenge to the charter amendment was filed in court. And on Tuesday, Judge Gael Wood ruled that the ballot summary for the proposal was misleading — and barred the St. Louis County Board of Elections from counting votes for the measure.
"The Court finds that because the use of the word 'interdepartmental" rather than "intradepartmental" renders the ballot summary of [the proposal] misleading, it need not and does not consider other claims the Plaintiff regarding the bill and ballot summary," Wood wrote in his decision.
That passage of Wood's decision is a reference to how the charter amendment was legally challenged for having too many subjects. Wood also ruled that separate charter amendments to give the County Council its own lawyer and allow council members to enter into independent contracting arrangements with governments could be voted on.
Eric Fey, the Democratic director for the St. Louis Board of Elections, said in an e-mail that his agency had "no interest in the substance of the case." Rather, the Board of Elections' "only concern was the timing of any court order."
"At the initial hearing the judge assured us that he wouldn't order anything to be physically eradicated from the ballot which is all we were really concerned with," Fey said. "As a result, on Election Day we will post signs in the voting booths stating that any votes cast for or against Proposition 4 will not be counted or tabulated even though the actual proposition will remain on the ballot."
Councilman Sam Page, D-Creve Coeur, said that a "typo" ended up derailing the proposed charter amendment.
"It's news that we win two out of three," Page said in a text message to St. Louis Public Radio. "If the County votes on Aug.7 against alleged collection of campaign funds while contract awards are being considered by a county executive aren't counted, it is a shame."
"We are reviewing options," Page added.
Assuming Wood's decision stands, whoever wins the Democratic primary for county executive between Stenger and Mantovani on Aug. 7 will have at least a three-month window to scoop up unlimited amounts of money. That could give that person a commanding financial advantage into the future — even if the council places another charter amendment on the ballot in November.
The charter amendment also doesn't restrict donations for people running for municipal-based offices. That would provide the opportunity for someone to open a campaign committee for city council or mayor, take in big donations, and eventually use those funds for a county-based race.
A Democrat challenging incumbent Congressman Lacy Clay is getting a boost from Alexandria Ocasio-Cortez, who made national headlines earlier this year by toppling a long-time New York representative.
Ocasio-Cortez was in St. Louis on Saturday on behalf of Florissant Democrat Cori Bush. Her visit comes a day after Ocasio-Cortez joined Vermont Sen. Bernie Sanders in campaigning for Brent Welder, a former St. Louis resident is who running for a congressional seat in Kansas.


text:
Sisters Team Up To Create Elegance
Sisterly design duo Meghan Hackett-Cassidy and Erin Hackett provide elegant, timeless style for the New York City suburbs.
authors Autumn McGarr | June 4, 2019
Photos: Emily Gilbert Photography
The Hackett Interiors duo utilized soapstone countertops in this light-filled kitchen to add both function and beauty to the space. Photos: Emily Gilbert Photography
Bronxville, NY — After graduating from college, Meghan Hackett-Cassidy worked her way up through internships and positions with larger design firms, all while working on freelance projects on the side. These freelance projects "opened my eyes to owning my own business," Hackett-Cassidy explains. "After being at [a large firm] for two years, I left to start my own firm. I was looking at the time for a partner because the workload was becoming too much for me, and that's when [my sister] Erin suggested that we partner up."
Erin Hackett's path to the design industry was slow and organic. "It's kind of something that I've been exposed to my whole life, partially because of my sister and her career path. My mom is also in real estate, so it's just something that's kind of always consumed our lives, something that I was interested in and was relevant to me," Hackett relates. She was working fields such as marketing and events, but never felt that she had found "the right fit." She explains, "So when Meghan was at that crossroads looking for help, not knowing which direction to go in, we made the decision to start working together.
Fast forward three years, and the sisters are still working together as Hackett Interiors, based in Bronxville, NY, offering services ranging from kitchen and bath remodeling to property staging.
A master bath is an ideal room to create a spa-like and inviting environment, according to the Hackett Interiors duo, who worked to make this space fresh and welcoming.
According to Hackett-Cassidy, one of the questions she and her business partner are asked most commonly by clients and interviewers – not to mention family and friends – is, "What makes your partnership successful?"
Both sisters agree: In order for a partnership such as theirs to work, clearly defined roles are a necessity. "We are very different, even though we're sisters, and on a daily basis, we do different things in the office," Hackett explains. "We definitely collaborate and share ideas, but Meghan is very much more of the 'designer' and more of the creative [type], and I have taken over the marketing and the business end of things. At the end of the day, we're doing very different things and we're playing to our own strengths."
That's not to say that they function completely independently of one another within the company, of course. "We each have our own tasks to complete, but we collaborate together as well to make sure that everything gets done efficiently," Hackett-Cassidy adds.
Small town connections
Bronxville, with its high average household income and population of just over 6,000, provides Hackett and Hackett-Cassidy with plenty of work. "We work in a small town where we grew up, so for the most part, there's usually a common denominator [with our clientele]," Hackett explains. "We either have already known them, or we have a mutual friend or client. Of course, we've worked with people who we didn't really know, but there's usually a sense of familiarity."
Thibaut wallpaper, a unique light fixture and a lacquered black mirror add personality to this small powder room.
According to the sisters, many of the homeowners they work with are middle-aged or older and looking to settle into what will likely be their forever home. "In the Bronxville area, [clients want] a design that has longevity but also reflects their own personal style, and is also in line with the style of the home."
In order to craft classic spaces that still feel exciting, they focus on bringing fresh and surprising details into their designs. For a project that they worked on in Palm Beach, FL, for example, "we used a classic subway tile in the shower, but to add a little twist and make it more relatable to the geographical area, it was an aqua- blue, as a nod to Palm Beach and the blues that you see right outside the door and in the ocean."
Additionally, Hackett and Hackett-Cassidy incorporate subtle yet ultra-modern necessities into their designs. A recent custom vanity designed by Hackett Interiors incorporates a hairdryer drawer with an outlet, as well as a built-in mobile device charging station.
Once again, the sisters utilized a unique wallpaper to lend a bit of excitement to a small powder room.
Visual inspiration
For Hackett and Hackett-Cassidy, social media is an invaluable tool to get to know their current clients' unique tastes. "We request that people send [us] inspirational links to magazine articles online, Pinterest or Instagram. Inspiration photos are a good jumping off point."
Providing photographic inspiration of their own to clients has been a worthy investment for Hackett Interiors as well. "I think we live in an era now that everybody needs to see a picture," says Hackett. "We photographed our projects and we built a website and that automatically helped the [design] process, so that people had a place to go and look at our work. We've really focused a lot on Instagram and using those photos – which are a big investment for a designer – to display our portfolio."
In addition to helping them to connect with current clients, social media has also garnered plenty of business for the sisters. Hackett-Cassidy explains, "It allows you the opportunity to connect with people outside of your immediate network." ▪
Designer Profile Hackett Interiors KBDN June 2019
This kitchen features a contrasting island to add just the right amount of color pop amongst the clean and simple countertop, backsplash and cabinets.


text:
Category: Dome Cars
2021 – Stampede Pass (800290)
A 1954 Budd short dome, this dome car ran on Northern Pacific's famed North Coast Limited before Amtrak. Now owned by Paxrail, this car features Dome Class and Lounge Class seating.
The beautiful Lounge Class seating of "Stampede Pass." Photo: Nick Benson/ottergoose.net
Click below to see seat numbers.
2021 – Silver Palace (800273)
Silver Palace was built for the Western Pacific Railroad in 1948 as a 46 seat coach, with an additional 24 seats in the dome, for the famed California Zephyr. The car plied the scenic route between Chicago and Oakland, CA, for over two decades, until the train was discontinued in March 1970. As WP had no need for the car after the train was eliminated, the car migrated East and joined the fleet of the new, private Auto-Train Corporation, operating initially between northern Virginia and Florida and later, between Louisville, KY, and Florida.
Photo: Friends of the 261
After the demise of the original Auto-Train, the car was sold into private ownership and passed through several owners. The car was extensive remodeled as a lounge car for country western singer Merle Haggard but was then sold once again and its final assignment was on the Algoma Central Railway in Canada, toting passenger to and from the scenic Agawa Canyon north of Sault Ste. Marie. The car was acquired by the Friends in December 2017 and it has been under restoration since its arrival at Minneapolis Junction. Silver Palace will continue its role as a first class lounge car with the dome seat sold exclusively as "Dome Class".
Photos by: OtterGoose
2021 – Northern Pacific 549 (801045)
Owned by Webb Rail LLC, this beautifully restored Budd short dome that made its excursion debut on the 2019 Autumn Colors Express. Featuring completely redone dome seating, a full lounge downstairs, and fresh Northern Pacific paint on the exterior, this is one of the true crown jewels of the ACE consist!
Photo: Ottergoose
Photos by OtterGoose
NP 549, in 1971.


Full contact details for Ianson, Wellingborough, Northamptonshire NN9 5NE. IANSON belongs to category MARKETING CONSULTANT in Wellingborough, United Kingdom.
This is automatic search on map. Location may be incorrect. We advise to contact the Ianson to be sure about their location.


text:
Abraham.In.Motion's choreography is ambitious, yes, but rightly so
A scene from Kyle Abraham's "When the Wolves Came In." (Carrie Schneider)
By Sarah Halzack
Often when the word "ambitious" is used to describe choreography, it's a veiled way of saying that artists bit off more than they could chew, that the work became too big and aspirational for its own good.
But Abraham.In.Motion's Saturday show at the Clarice Smith Performing Arts Center in College Park was ambitious in the very best sense of the word: Choreographer Kyle Abraham took on complex, hot-button topics and handled them ably and honestly; he unleashed huge volumes of movement that were mind-bogglingly detailed and varied; and perhaps most importantly, he revealed himself to be hungry to keep innovating.
Abraham presented a trio of works inspired by Max Roach's 1960 album "We Insist! Max Roach's Freedom Now Suite," which was released as the civil rights movement was building to its fever pitch. Abraham examined the relevance of the album's themes in today's culture. How far have we really come on racial equality? How free is any one of us in a society that is still grappling with these questions?
The set design provides one chilling answer. The backdrop, created by Glenn Ligon, is an image from a Ku Klux Klan rally. By altering the exposure and clarity of the photo, the contents of the image are nearly indecipherable. But the pointed shape of the Klansmen's hoods is just recognizable enough, a statement that these ugly racial prejudices are fading, but they are still there if you look closely enough.
"When the Wolves Came In" is brimming with contrasts: Movement frequently is initiated with the back of the head so the dancer looks to be diving out in space with a sense of unrestrained freedom. And yet such sequences are followed by a tableau in which one woman beckons another woman by gesturing to her like a dog owner offering a treat. The inhumanity of it is despicable.
A dance from Kyle Abraham's "When the Wolves Came In." (Carrie Schneider)
The one frustration in this work was that the dancers were entirely imperturbable. Their movement was so intoxicating that you desperately wanted them to let you in, to show you how these thorny issues have affected their own hearts and minds. But they never really did. Abraham's voice is loud and clear in this work, but the dancers are not really heard.
Thankfully, we get more from them in "Hallowed," a short, tightly knit dance that is set to a cappella gospel songs. The movement here was syncopated and specific, with the dancers' spines synchronously melting into ooze and their arms crossing and uncrossing like in a game of cat's cradle. The dancers hardly travel through space, a choice that reminds us that the forward march of progress sometimes comes in fits and starts.
The final work, "The Gettin'," is intriguing, though it is perhaps the most unfocused of this suite of dances. The work seemed to hit a climax at least twice, first when Jeremy Neal and Matthew Baker ceremoniously stripped off their shirts, revealing the purest versions of themselves, after a duet full of manipulation and aggression. But later, when tiny Tamisha Guy bounded around the stage, back to the audience, clawing and scratching at an imaginary foe, suddenly the dance seemed to again swell to an apex. Better pacing and shading could make this already powerful work hit even harder.
The feel of the whole evening was refreshingly of-the-moment: The steps were new and original, and Abraham's tone felt relevant to today's conversation about race. Even the slinky jumpsuit costumes worn in "Hallowed" were on-trend and Instagram-worthy. In an art form that is struggling to lure younger audiences, it was a welcome treat to see a program that was so inviting to a new generation of theater-goers.
Sarah Halzack Sarah Halzack is a Bloomberg Opinion columnist covering the consumer and retail industries. She was previously a national retail reporter for the Washington Post. Follow


Would you save the life if you could?There are plenty of cats who are in need a home. The first step is adopting, something the tips below will help you do.
Your furnishings and belongings can fall victim to your cat's claws. It may take some time and some corrections, but the problem should eventually stop.
Cats can have nocturnal than not. This means that they will usually be quite active at night time. This will prevent them from entering your toes.
Be considerate of your cat's ears when traveling. You may love belting out your favorite tunes as you drive on the freeway, but it could be hurting your cat's ears. To keep your cat calm and collected over the course of your trip, turn off the music or keep the volume low.
Think hard before allowing your cat go outdoors.This can compromise your cat. Your cat could get fleas or even worse than that. Cats can also be hunted by other animals, people and other animals.If you still insist your cat be able to go outside, make sure it is only in a small area near the house.
Do you have a cat and dog? A dog may enjoy eating your cats food. This is why you should have a feeding areas. This is a good way to keep your pets from fighting over the water when the food and water.
Cats enjoy high up. You could even place a small bed or blanket on the shelf to make your kitty some comfort.
Take the time to make your cat familiar and comfortable with a car carrier. Cats do not as responsive to punishment as dogs do to punishment. Encouragement is usually a much better way to get your cats to perform. Put a nice blanket and toy in the carrier and leave it where the cat frequents. The cat will feel comfy. This will make getting the cat in its carrier.
If you feed them the same thing day in and day out, they are sure to grow finicky.
Consider buying your cat a fountain to drink from.Cats seem to like a water stream of water. Cats will often drink from a running sink and actually prefer it over the tap if they can! A fountain keeps the environment.
Frequent urination may warrant a visit to the vet is required. This behavior may be a symptom of an infection of the urinary tract or another health problem in your cat. Some cheap antibiotics can clear up a potentially dangerous illness.
Make sure your cat as often as possible. Make an effort to have playtime with the cat regularly.
Dogs wag their tails as a sign of friendly greeting or encouragement. Cats wag their tails for a very different reasons than dogs though. A cat that is flicking its tail when it is upset.If a cat you are holding starts flicking his tail, put him down to be sure you are not scratched or swatted.
Even an indoor cat may get outside. If your cat were to escape, make sure that it can get home.
Your cat should be kept inside whenever it can be near your home.Cats trained to live inside for most of outside live longer according to certain studies.
You should never medicate a cat with something that was meant for humans on your cat. If you have a sick cat it is best to take them to someone who specializes in animal sickness, you must take it to the vet. Giving the cat medication that wasn't meant for them can actually cause your pet serious harm.
Successfully caring for a cat is a difficult but rewarding thing. Afterall, you have opened your home to a cat that needs your love and care. As a pet owner, you can bond with your new cat in a mutually beneficial relationship. Take care of him and he will do the same for you.


While testing webhooks in the sandbox environment I noticed that the webhooks fire to the requested URL, but they don't always use the correct event. Is this just a result of the sandbox environment?
I can always Test URL with the desired event, but as soon as I Update Webhook or leave the page it seems to revert back to the same event: subscription_created. This stays true for each of the three webhooks I am testing.
By default, Chargebee sends webhook calls for all the events. But, when testing the URL with a particular event, only the selected event will trigger the webhook and be listened to by the server.
This is why the page always refreshes to the "Subscription Created" event.
Please note that the event that you select will only be sent once for the test and will be reset when you update the page.
Please refer the docs for more information regarding Webhooks.


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It's hard to deny that reputation was a defining moment in Taylor Swift's career. It may not have been as successful (critically or commercially) as 1989, but it was defining. It was dark and edgy and undeniably ballsy. A cathartic, 180 from the persona that made her famous, reputation was full of ambition. Now, on the dawn of her newest era, Swift returns to the aesthetic that made reputation a possibility, and turns it up to an 11. Unfortunately, in this case, it isn't a good thing.
I feel the need to preface this review with a message: I've been a fan of Swift since Fearless, and have followed her career ever since. I consider her among the great legends of music, and always will. With that, comes the knowledge of Swift's habits. For example, I am fully aware of her tendency to release catchy, fun and light hearted anthems with less than groundbreaking lyrics as the lead single. I am also fully aware of the fact that music can be all those things and still be brilliant, for example, her last three lead singles. In this case, however, I believe Swift has let the ball drop.
Featuring Brendon Urie (of Panic! At the Disco), the TS7 lead single, 'ME!', is the antithesis of everything 'Look What You Made Me Do' was, not only in terms of sound and aesthetic, but in quality. The campy brilliance of 'Look What You Made Me Do' is missing on 'ME!', with a seemingly lack of thought to be the problem. Although catchy, 'ME!' seems too generic, too impersonal to be the work of Swift. It's quite odd given the talent involved. Urie along with Joel Little (frequent collaborator of Lorde) share writing credits along with Swift. Despite her recent essay discussing how personal details make pop music great, 'ME!' lacks any of this, instead focusing on being relatable to its own detriment. Even Swift's staple spoken bridge that features on her lead singles more so than not lacks all the iconic-ness of 'We Are Never Ever Getting Back Together"s "so he calls me up…", 'Shake It Off"s "this sick beat" and 'Look What You Made Me Do"s "cause she's dead". Instead the best she could come up with was "Hey Kids! Spelling is Fun!" before launching into a god awful and nonsensical bridge made of tragic plays on spelling words with the song's title (in Swift's defence, she credits Urie as the mastermind behind the bridge, so at least the songwriter part of her reputation remains somewhat intact).
In the song's favour, 'ME!' is rather catchy and features quite a good message, and must have been a relief for Swift to leave the persona of her reputation behind. It also features some great vocal work from both Swift and Urie, whose voices actually mesh better than one would expect. Their back and forth on the song's second half is quite entertaining and appears and genuine collaboration between two artists, for which the pair has to be given credit given generic one verse feature that has become a trend for anyone looking to make a quick buck.
At the end of the day, 'ME!' serves a purpose. It's designed by Swift and her collaborators to be a fun pop song with little depth other than to make you feel good about yourself. However, as well intentioned as it may be, 'ME!' is a poor attempt to recapture the brilliance of previous eras, made look only worse when considered against the body of work that is Swift's discography with which it must compete.
Previous ALBUM REVIEW: 'Cuz I Love You' – Lizzo
Next ALBUM REVIEW: 'Sanctuary' – Aly & AJ


Click the outboard to find your parts now.
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Come see us for any problems you may have with your power-pole and the part may be replaced under warranty. We also have your life-time warrantied spikes in stock.
Once you have found the part or accessory you need, then call us at 239/334-3424 before 11am and it will be here at San Carlos Marine that same day.


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text:
Q: Extract element from nested JSON There is json response:

{
  "id": "1234567890123456789",
  "creation_date": 12345678,
  "event": "WAITING_PAYMENT",
  "version": "2.0.0",
  "data": {
    "product": {
      "id": 213344,
      "name": "Product Name",
      "has_co_production": false
    },
    "affiliates": [
      {
        "name": "Affiliate name"
      }
    ],
    "buyer": {
      "email": "buyer@email.com"
    },
    "producer": {
      "name": "Producer Name"
    },
    "commissions": [
      {
        "value": 0.65,
        "source": "MARKETPLACE"
      },
      {
        "value": 3.10,
        "source": "PRODUCER"
      }
    ],
    "purchase": {
      "approved_date": 1231241434453,
      "full_price": {
          "value": 134.0
        },
      "original_offer_price": {
        "currency_value": "EUR"
        "value": 100.78,
      },
      "price": {
        "value": 150.6
      },
      "order_date": "123243546",
      "status": "STARTED",
      "transaction": "HP02316330308193",
      "payment": {
        "billet_barcode": "03399.33335 33823.303087 198801027 2 876300015000",
        "billet_url": "https://billet-link.com/bHP023163303193",
      }
    },
    "subscription": {
      "status": "ACTIVE",
      "plan": {
        "name": "plan name"
      },
      "subscriber": {
        "code": "12133421"
      }
    }
  }
}

My question is how to extract data["buyer"]["email"] in PHP ?
I only need to extract the email information from the buyer table inside the data table.

A: First, you need to decode the json to a PHP array (or an object), then you can access the requested information from the decoded data.
$data = json_decode('the json string most place here', true);
$email = $data['buyer']['email'];

Place your json string in the first argument of json_decode() function.