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https://www.barrons.com/articles/how-bidens-labor-department-could-shake-up-investing-rules-51605875400
Expect a New World for Investing Rules Under Biden
Nov. 20, 2020 7:30 am ET
President-elect Joe Biden.
The Department of Labor, which oversees America's retirement and health plans, will take a different cast come Jan. 20, with moves including a potential return of the so-called fiduciary rule and a reversal of a regulation that restricts the use of sustainable funds in retirement plans, analysts said in interviews with Barron's.
The DOL's initial focus under the Biden administration is likely to be health care and health policy, "because the situation with the pandemic is deemed more urgent," said Erin Cho, a principal at Groom Law Group and an expert on pension-investment issues.
Also on the front burner will be an effort to keep Democrats' campaign promise of raising the federal minimum wage to $15. Analysts say progress is possible via executive actions that would require federal contractors to pay higher wages, even if Republicans keep control of the Senate.
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Still, a range of changes that will affect investors are likely to be on the way. In the first place, a new person will be in charge, succeeding Labor Secretary Eugene Scalia, who has been criticized as antagonistic toward labor. The people reported as in the running for the job include such labor-friendly personages as Sen. Bernie Sanders; Boston Mayor Marty Walsh; Rep. Andy Levin, a Democrat from Michigan; California Labor Secretary Julie Su; Harvard Law School lecturer Sharon Block, a former Obama administration Labor official; and Seth Harris, a former deputy labor secretary.
The DOL is key to America's retirement plans because it administers and enforces the Employee Retirement Income Security Act of 1974, which protects the interests of employee benefit plan participants and their beneficiaries. Aron Szapiro, head of policy research at Morningstar, predicts a renewed emphasis on investor protection under former Vice President Joe Biden. "The investor protection issue will keep going," he said.
— Investors can expect a new version of the Obama-era Fiduciary rule, also known as the "Conflict of Interest" rule, which the Fifth Circuit Court of Appeals overturned in 2018. The rule required advisors to give conflict-free advice on retirement accounts, putting their clients' needs ahead of their own potential compensation. That meant shifting away from commissions on various investment products and becoming completely transparent on advice they provided.
"Many people believe there's a need for an enhanced fiduciary standard," particularly in the case of rollovers from existing retirement plans, said Michael Hadley, a partner at Davis & Harman specializing in Erisa and retirement issues. "You will see the department trying to elevate standards of conduct," Szapiro said.
As part of that effort, the new DOL could take a close look at the so-called investment-advice exemption, a proposal that the department is trying to finalize before the Trump term ends. It would allow fiduciaries to receive commissions and other payments, including for advice about rolling over 401(k) accounts on retirement.
The new standard could coexist with the Securities and Exchange Commission's Regulation Best Interest. That rule raises the legal and ethical standards brokers must meet when recommending or selling investment products. It requires them to put the interests of their customers before their own, and to disclose to clients how they are paid, if they have any disciplinary history and whether there are any conflicts of interest that create incentives for them to sell certain products.
— A second priority "would be for the DOL to see what they can do about the newly finalized rule" that effectively limits the ability of 401(k) retirement plans to offer sustainable investments, said Bryan McGannon, director of policy and programs for US SIF, the sustainable-investment trade group. That rule requires fiduciaries to choose investments solely based on so-called pecuniary, or financial, factors that "are expected to have a material effect on risk." Those offering investments that pursue nonpecuniary goals will have to submit analysis and documentation explaining the move.
While many people already regard environmental, social, and governance investing as a pecuniary decision—meaning that they see it as significantly affecting returns—the rule may still make it more difficult for them to pursue that choice. Fewer retirement plans are likely to offer impact funds that look for social and environmental outcomes, for example.
US SIF has said it aims to reverse the rule in the next Congress, but the effort may go nowhere if the next Senate is Republican-led. Still, a Biden administration DOL would have options. "Subregulatory guidance in the form of a bulletin that is more pro-ESG" is one choice. says Cho of Groom.
Importantly, the administration has an ambitious set of goals around addressing climate change, including rejoining the Paris agreement, decarbonizing the electricity sector, and bolstering renewable energy. It will need the financial pressure the sustainable-investment sector can exert in order to succeed. "They'll never get the Erisa dollars unless they have guidance that is more stable than it is right now," said Ethan Powell, president of Impact Shares.
Other experts, though, have played down the impact of the latest ESG rule. "We have been in business for 20-plus years and have seen these efforts come and go and not stop the growth of the impact and ESG industry," said David Sand, chief impact strategist at Fort Lauderdale, Florida-based Community Capital Management, which oversees the CRA Qualified Investment Fund (CRANX).
The DOL could also look at an existing proposal about proxy voting that may also make it harder to practice ESG investing. According to the proposed rule, fiduciaries must thoroughly research and analyze each proxy vote to ensure it doesn't pursue "nonpecuniary objectives."
The documentation is less onerous in cases such as voting in accordance with management's recommendations. "You either vote with management or not vote at all—that really flies in the face of any common-sense approach to CEO and shareholder accountability," said Dieter Waizenegger, executive director of CTW Investment Group.
— Pooled retirement plans, which take effect on Jan. 1 and were created under the Secure Act to give small, unrelated employers a way to offer a retirement savings option, are another potential area of focus. "Most small business [retirement plans] could end up in PEPs in the next five years," said Szapiro, the Morningstar policy chief. Phyllis Borzi, who headed the DOL's Employee Benefits Security Administration from 2009 to 2017, has raised concerns that pooled plans could create potential for conflicts of interest.
— Finally, the DOL may weigh in on cybersecurity and its importance to people's retirement accounts. " Not all 401(k) plans are held with major financial institutions and there's no national standard for cybersecurity and 401ks" said Hadley of Davis & Harman. A cybersecurity initiative "wouldn't surprise me."
Write to Leslie P. Norton at leslie.norton@barrons.com
The Department of Labor, which oversees America's retirement and health plans, will take a different cast come Jan.


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Private custom travel to Cuba
Cuba Culinary
Explore Cuba with a private custom tour!
Design your own custom itinerary for travel to Cuba with private guide and transportation.
Bottom line is while independent travel to Cuba for tourism has been limited, we can customize private itineraries that are still legal and operating for USA citizens! We hope we can help you explore Cuba. Please contact us early in your planning to help decide what type of travel plans may be best for you.
Private Tour Highlights include:
People-to-People interaction and meaningful exchanges with locals.
Stay in downtown Havana or the Miramar and Vedado neighborhoods.
Day tours and stays in other Cuban cities.
Daily activities arranged based on your interests that qualify as legal travel under USA regulations.
Reservations and transportation arranged for meals when desired.
Private, daily local guide service.
Transportation including airport transfers.
Cuban visa acquired and appropriate forms supplied and copies kept as per USA regulations.
Round-trip airfare from USA to Cuba can be arranged.
Mandatory Cuban medical insurance (included in air ticket).
Great accommodation options in major hotels, small Boutique hotels, and private apartments and villas.
Tour options:
The daily itinerary is customized based on your interests. From nature to culture activities - you would let us know in order to arrange your private tours. Our local guides know many "off-the-beaten-path" sites to visit.
From a lush countryside of dramatic limestone mogotes and tobacco-dotted valleys to the faded facades of Old Havana, Cuba offers a compelling glimpse at a colorful country rapidly entering a new era. Let travel experts deal with the details while you explore the many facets of Cuba. Whether you are a small group who wants to delve into the art and cuisine of Cuba, or a couple who wants to join locals for a birding adventure, we can create your ideal expedition.
Tour options could include:
Focus on minority religious groups & atte
nding services alongside locals who practice a variety of faiths.
Meet Cuban classic-car enthusiasts & visit garages to swap stories about favorite restoration projects.
Trace Hemingway's life in Cuba, where he lived while writing seven books, including The Old Man and the Sea, A Moveable Feast & Islands in the Stream.
Delve into Havana with special-access visits to art galleries, dance studios, schools & museums.
Explore private enterprise options, including the booming private restaurant scene (ideal for foodies!) with ample time to chat with Cuban entrepreneurs.
And of course, many who have ever wanted to travel to Cuba has envisioned themselves sipping a famed mojito or Cuba libre. After all, what could be more Cuban than rum except for perhaps a cigar. Note that August 16 marks National Rum Day!
SAMPLE, 6-day private tour in Havana
DAY 1: Welcome to Cuba!
Fly to Havana, where we are met by our Cuban guide. Hop into vintage classic American cars. Cruise along the Paseo del Prado in Centro Habana passing a variety of landmarks, including the Bacardi Building, Central Park, the Grand Theater and Capitol. Stop at the 17th Century Morro Castle for sweeping views across Havana Bay. Cap-off our introduction to Cuba at Sloppy Joe's Bar, where history and cocktails easily mix. Sloppy Joe's became a haven for American tourists during U.S. Prohibition, hosting celebrities such as John Wayne, Spencer Tracy and Clark Gable. Enjoy dinner tonight at a privately owned restaurant (paladar). Paladars offer the best variety of fresh, inventive cuisine. Plus, our time here is the ideal opportunity to chat with this new generation of entrepreneurs about this "new" Cuban economy. Tonight at dinner we also meet and enjoy chatting with a Cuban dignitary about the changing face of Havana. Looking for an incredible night out in Havana? Consider spending your night at Fabrica de Arte Cubano (FAC), where Cuban youth and famous artists gather. Inside FAC there are art galleries, a theater, concert venues and quiet venues to enjoy a drink and chat. Cocktails are at your own expense. (D)
DAY 2: Exploring Havana
Discover 500 years of history and architecture while exploring Havana. Our day begins with a fresh juice at La Vitrola (the Jukebox), a popular spot in Plaza Vieja. Stroll along the meandering streets to Plaza de San Francisco, stopping to pay your respects to the bronze statue of El Caballero de Paris (the Gentleman of Paris) and learn about the interesting story of why he was immortalized. In Plaza de Armas your guide discusses the city, founded here in 1519. Continue a leisurely stroll through the main squares of Old Havana. See Hotel Ambos Mundos, where Ernest Hemingway kept a room for years. The hotel served as a refuge for writing such works as For Whom the Bell Tolls and as a base for frequenting his favorite bars. You have a moment to see the room where Hemingway worked if you wish before sampling a mojito at the rooftop bar. From the City Museum (the former Captain General's residence) to the street vendors trading authentic books and memorabilia that commemorate the Revolution, Plaza de Armas is one of Havana's greatest treasures. You continue on to Plaza de la Cathedral, the fourth of Havana's wonderful squares. The picturesque plaza usually provides an opportunity to snap a photo with local Habaneros dressed in traditional costumes. At historic Hotel Nacional, sip drinks on the verandah overlooking the bay and tour the extensive grounds, the playground of dignitaries, royalty and celebrities for decades. Enjoy cocktails and dinner at another trendy paladar. While these eateries are gaining acclaim with celebrities and world travelers alike, take a few moments while here to consider the challenges facing these entrepreneurs in a country where trade is severally hampered by the U.S. embargo. (B,L,D)
DAY 3: Day Trip to Soroa & Vinales
Wind into the countryside, seeing the breathtaking landscapes and tobacco farms of Pinar del Rio. Visit the exquisite orchid gardens of Soroa — Cuba's largest botanical garden — hosted by an expert horticulturist, who shares stories of the challenges the garden has faced, and the wonders of the botanical species they've managed to raise in Cuba's tropical climate. Continue into the famed Viñales Valley with it's the rugged mogotes — limestone karst outcroppings with caves and rivers running through. Take in stunning vistas from Los Jazmines lookout: the mogotes, red soil and lush vegetation in perfect harmony. Delve into the cigar-making process while calling on a tobacco farm, where owner proudly shows you his farm and discusses the intricacies of growing tobacco and selling it to his only authorized buyer: the Cuban government. Savor time in the picturesque town on Viñales, observing beautiful countryside houses painted in exuberant Caribbean colors and local markets. Stop at a CUC store and a bodega — a ration book store where locals buy subsidized goods in Cuban pesos — to understand the contrast between the two currencies and the products you can buy with each. Following your stop in town you enjoy lunch at a local organic farm. As we head back to Havana, watch for horse-drawn carriages alongside the speeding cars on the national highway…a gentle reminder of how simple many Cuban's lives are to this day. Dinner is offered tonight at your boutique hotel. The evening is your to take in the world-renowned cabaret at the Tropicana or allow our guides to make arrangements at another famed nightclub (at your own expense). (B,L,D)
DAY 4: Hemingway's Havana
Venture out of the city to the seaside village of Cojimar, which served as the inspiration for Ernest Hemingway's The Old Man and the Sea. After seeing his monument, sample drinks at one of Hemingway's favorite bars, La Terraza. You may also join a local chef for a cooking lesson before lunch at Ajiaco. This paladar renowned for their ajiaco stew, a Cuban staple created using farm-to-table ingredients. Continue paying homage to "Papa" Hemingway at his former home Finca Vigia, preserved as it was on the day of his death, and discuss his life with Cuban experts and researchers. Savor the hospitality and warmth of those who have but a smile and delicious home cooked meal to share. Although the embargo has limited what the residents of Cuba have at their fingertips, there is no denying that their food is as comforting and as tasty as any offered in a home kitchen in America. Your guide will act as interpreter and help you ask all the burning questions you may have about living in Cuba. The people of this country speak freely and share openly. Your meal is homemade, authentic Cuban food that the locals enjoy on special days with the family. After-all, it isn't every day they get to chat up an American! Head to Casa Blanca and the ramparts facing the Havana Bay for the cannon-firing ceremony. If dinning with a Cuban family is not on your bucket list we can also provide you with great suggestions for an evening on your own. (B,L,D)
DAY 5: Havana's Traditions
A visit to Havana's Fine Arts Museum, Bellas Artes, is a must for those who want to learn about the country's past through the eyes of its artists. Spend your morning perusing the famed pre- and post-Revolution collections. Perhaps nothing is more symbolic of Cuba than cigars, and our morning is spent at a factory learning about the country's coveted tobacco and the artisanal process by which they are rolled one by one in a process that hasn't changed for centuries. See the famed classic cars of Cuba at a local garage, learning how Cubans keep these classics on the road despite limited resources. Enjoy lunch at Club Habana. Built in the 1920s as the Biltmore Yacht & Country Club, Club Habana features a beach, swimming pools, tennis courts and one of the city's best cigar shops. This is also your chance to contrast the cuisine and service received at this state-run restaurant with the private restaurants where you've enjoyed meals. This evening, delight in a sunset drive in a classic convertible along the sea-side Malecon to a rum and cigar tasting. An expert in both vices leads the tasting, uncovering the nuances of these indulgences and regaling you with the role rum and cigars have played in Cuban history. After your tasting, enjoy a chef-prepared meal of fresh seafood, roasted pork and local produce, along with handcrafted cocktails. Your driver and guide make themselves available if you want to enjoy one last night out in Havana. (B,L,D)
DAY 6: Depart Cuba
Sadly, all good things must come to an end. Our Cuba tour ends as we return to the airport for your flight back to the U.S. (B)
Once you approve your custom itinerary, we can provide and exact tour cost. Costs will depend on the number of travelers in your party, type of accommodations chosen, day tours, travel dates, etc.
However, for the Sample 6-days itinerary above as a private tour, we suggest budgeting $4,000 per person.
SAMPLE, 10-Day private tour in Havana
For those wanting to explore more of Cuba, below is an itinerary for consideration. The itinerary is available as a private tour (and can be customized), or if you like traveling in a small group (maximum 20 participants), this itinerary is available on certain dates as a group tour - see below for dates.
DAY 1: Arrive Miami
Our Cuba people-to-people travel program begins in Miami with a briefing and welcome reception before an overnight at the Cambria Suites Miami Airport.
DAY 2: Miami / Cienfuegos
Early this morning, return to the airport and board our flight to Cuba. Depending on your departure day, you will travel to either Camaguey, Santa Clara or Cienfugos. Enjoy a performance by the Cienfuegos choir. Enjoy a walking tour of Cienfuegos' city center, where wide avenues lead to the historic center, a UNESCO World Heritage Site. Walking through the city today makes for a captivating experience, with colonial buildings — such as the Tomas Terry Theater, public squares and monuments, some of which are whitewashed and others splashed with bright Caribbean colors. Overnight at Hotel La Union or similar. (D)
DAY 3: Trinidad
Drive through the spectacular Valle De Los Ingenios - Valley of the Sugar Mills - an UNESCO Cultural Heritage Site where we see the ruined hulls of 19th century sugar estates. During the 19th century there were more than 40 sugar mills with elaborate estate houses but now most are in ruins. Chat with villagers in Manaca Iznaga while enjoying a glass of cold mango juice. Travel to Trinidad, an architectural jewel proclaimed by UNESCO as a World Heritage Site. Red tiled roofs atop pastel stucco structures line the cobbled streets. This port city reflects its 16th century past and founding by Conquistadors. Eighteenth century smugglers and pirates made frequent calls here or even used this port as their base of operations in the Caribbean. The wealth and importance of Trinidad continued into the 19th century, when sugar barons reigned. Experience the community like a local, visiting with shop owners and sampling local fare as we walk through the colonial heart of the city. At Casa Del Alfarero Santander, an artisan workshop, meet local artists and learn about traditional pottery techniques. This pottery studio has been run by the same family for decades, and the Santanders share their family history while we take a turn at the wheel. Stroll through town, with the chance to visit a music club to mingle with the locals and enjoy authentic Cuban music. (B,L,D)
DAY 4: Topes de Collantes
Enjoy a spectacular morning in the Sierra de Escambray mountains at Topes de Collantes National Park, one of the best places to enjoy Cuba's natural beauty. Wet winds coming off the Atlantic make the north face of the mountains a refuge for plants and animals, including Cuban trogon, the national bird of Cuba. After learning the history of Cuban coffee, relax over a cup of coffee while chatting with your local guide about efforts to protect the region. After lunch visit a modern art museum, seeing pieces by important artists. (B,L,D)
DAY 5: Zapata Wetlands / Bay of Pigs
The Zapata Peninsula encompasses a national park protecting Cuba's most important wetland area. It is also a UNESCO Biosphere Reserve closely resembling the Florida Everglades. There are 900 species of flora, 171 species of birds (18 endemics), 31 species of reptiles and many mammal species calling the Zapata Wetlands home. Join Orlando Ramirez, a local farmer, to search for the world's smallest bird, the bee hummingbird. On the Bay of Pigs, discuss the importance of the wetlands with a local environmentalist. Spend tonight at Hotel Playa Larga or similar. (B,L,D)
DAY 6: Bay of Pigs / Soroa
Begin our day at the Korimakao Project. If the staff is not traveling, we sit in on their practices before a discussion on the transformative power of art. The project houses some of Cuba's finest musicians and artists, who refine their skills before traveling to remote villages to perform and teach. Present art, music and dance supplies to Yander, the director. Set out toward the western part of Cuba, traveling to Pinar del Rio Province. Pay homage to Ernest Hemingway while discussing his work with Cuban Hemingway specialists at his former home, Finca Vigia, preserved as it was on the day of his death. Travelers can only peer through the open windows of this museum, but the inside is arranged almost as if the home was waiting for him to return with guests. Hemingway's fishing boat, El Pilar, is still on the grounds.Stop at locally owned paladar, IL Divino, for lunch. Chat about the "new" Cuban economy with the entrepreneurs operating this small, private restaurant. After lunch, explore the adjacent farm, which uses sustainable agriculture to supply the restaurant. Spend two nights at Villa Soroa or similar. (B,L,D)
DAY 7: Soroa & Viñales
Wind our way through the Sierra de los Organos Mountains to Viñales, stopping to take photos of the breathtaking vistas. Stroll the lanes of Viñales, taking in scenes of daily life in Cuba. Sample the homegrown vegetables grown at an organic farm while meeting the family who is responsible for the land. Stop at a tobacco farm to learn about the processes and history of Cuban cigars. You have the chance to sample a famed cigar and sip a cup of Cuban coffee if you wish. (B,L,D)
DAY 8: Soroa / Las Terrazas / Havana
Survey an orchid garden with staff from the University of Pinar del Rio. Meet local naturalists, business owners and farmers in the planned community of Las Terrazas, a UNESCO Biosphere Reserve with just 1,000 residents that was founded on a green ethic. The self-contained community is surrounded by foliage thick with indigenous species, including hibiscus, teak and ebony trees that were part of a reforestation project. Stop at Cafe de Maria for a cup of locally grown coffee and chat with the family who runs the business. Drive along the oceanfront Malecon Avenue, seeing Revolution Square. Spend two nights at the Parque Central or similar. (B,L,D)
DAY 9: Havana
Stroll cobblestone streets through the atmospheric squares of Old Havana, taking in fading colonial architecture, antique American cars and the pervasive music and festive atmosphere. Along the way, call on the historic haunts of Hemingway as well as chat with locals at outdoor markets. Interact with the locals as we explore an art market. Cap off our time in Havana with an excursion to hear the famed Buena Vista Social Club. (B,L,D)
DAY 10: Havana / Miami
Transfer to the Jose Marti Airport for our charter flight to Miami, where you connect with flights home after 8 p.m. (B)
For independent private tours: Once you approve your custom itinerary, we can provide and exact tour cost. Costs will depend on the number of travelers in your party, type of accommodations chosen, day tours, travel dates, etc.
For open group tours: Prices start at $4,798 per person. Please add $490 for airfare & departure tax and $90 for Cuban visa. See below for departure dates:
Cuba travel regulations for USA citizens
Effective as of November 9, 2017:
https://www.treasury.gov/resource-center/sanctions/Programs/Documents/cuba_faqs_new.pdf
"In accordance with the NSPM, OFAC is amending the general license for people-to-people educational activities in Cuba to remove the authorization for individual people-to-people educational travel. This general license now authorizes, subject to conditions, persons subject to U.S. jurisdiction to engage in certain educational exchanges in Cuba under the auspices of an organization that is a person subject to U.S. jurisdiction and sponsors such exchanges to promote people-to-people contact. Travelers utilizing this general license must ensure they maintain a full-time schedule of educational exchange activities intended to enhance contact with the Cuban people, support civil society in Cuba, or promote the Cuban people's independence from Cuban authorities, and that will result in meaningful interaction between the traveler and individuals in Cuba."
For independent travel to Cuba, USA citizens need just a valid US passport to travel along with the required travel documents to be provided and records kept for minimum of 5 years. Arrangements are made with an organization licensed by the US Treasury Department's Office of Foreign Assets Control to engage, organize and conduct authorized people-to-people travel to Cuba.
Cuba is the largest island in the Antilles and the Caribbean. It is an ontrincate archipelago comprising the main island (about two-thirds the size of Florida), the Isle of Youth, and about 4,195 key (cayos) and islets.
One of the Caribbean's most enchanting sailing areas, Cuba has it all—natural marvels, gorgeous weather and historical charm. The first known sailor to drop anchor off this green-and-blue isle was Christopher Columbus, who in 1492 declared it "the most beautiful land human eyes have seen". Ernest Hemingway spent three decades tooting around the Cuban keys in his fishing boat, the Pilar, then immortalized them in his novels, The Old Man and the Sea and Islands in the Stream. And Fidel Castro sailed the Cuban seas in his cabin cruiser, the Granma.
Much treasure lies beneath the unpolluted waters of the Cuban archipelago, which offers through-water visibility of 30 to 40 metres. Home to more than 500 varieties of fish, crustaceans, sponges, mollusks and coral, Cuba's ecosystem is one of the most treasured in the Caribbean. And the wrecks of several 17th- and 18th-century Spanish galleons carrying valuable cargo provide treasure-hunting of a different sort.
Cuba has well preserved ecosystems, variegated landscapes and a vast array of flora and fauna make Cuba an exceptional Caribbean destination for nature lovers. Four per cent of the world's land species live on the Cuban archipelago. It is home to some 6,700 species of higher plants (about half of which are native) as well as 14,000 species of invertebrates and 650 vertebrates—including 350 bird species. Among Cuba's countless gems are the world's smallest frog (Eleutherodactylus limbatus, only 12 millimeters long) and tiniest bird (Mellisuga helenae—the bee hummingbird, some 63 millimeters long).
There is magic in Cuban cities. The architectural diversity covers over five centuries of construction styles with buildings that go from colonial, pre baroque to the post modern and modern movement. Some exhibit an almost perfect layout, while others show mysterious labyrinths. Many of Cuba's cities are almost museum-like and include World Heritage Sites.
From the ocean, enormous fortresses welcome a visitor; and once walking the streets a traveler can see the vitality, in addition to the usual noise, its cobble stone avenues, its columns, balconies, arches and its different constructions. All of these areas have become a space for a photo or simply a stop in front of such well conserved beauty. It is a trip back in time where each stone and construction has much to say, many secrets to unveil.
Cuba is surprising as its locations. Walking them is to coexist in time and space with the admirable past that is distinguished in the architecture and its memory, living closely as an artistic element in its facilities. Enjoying its culture is to enter in the soul of a beautiful and changing island that unfolds in dances, music, arts, theater, literature, cinema and culinary arts.
Speaking of the culinary, Cuban food is a combination of African, Spanish, Chinese, Italian and indigenous or native ingredients and recipes. A true mix of cultures for the palate. The geographical features of the country favor the abundance of seafood, cattle and sheep or pig meat. Various fresh vegetables, legumes, tubers and fruits are also available. The national dish is rice, black beans, seasonal salad, roast or juice pork and fried plantains. Throughout the island there are also the "Paladares", or private restaurants and cafes assuring visitors unforgettable moments.
Click here for a nice 6 minute video on Cuba Tourism
CUBA FAQ
PASSPORT & VISA
Each traveler must be in possession of a valid, signed passport that will remain valid for at least six months beyond completion of the entire trip. At this time visas ARE required for US citizens traveling to Cuba.
Previous to arriving in Miami you will be sent an application (with instructions) that is MANDATORY for ALL travelers to fill out. Once all travelers have filled out the application you will send them back to us with copies of your passports, to which we will forward to the Cuban ground operator to be processed. When you have sent back your completed visa application, your visa will be shipped to you.
Participants holding all other passports should check with the consulate for regulations and instructions.
HEALTH REGULATIONS
No vaccinations are required for entry into Cuba or return to the USA.
The Cuban climate is mild subtropical. Thanks to its proximity to the Tropic of Cancer and its narrow configuration, Cuba receives a refreshing action of trade winds and marine breezes. Average Fahrenheit temperatures are as follows:
PACKING & CLOTHING
GENERAL SUGGESTIONS
Please travel as lightly as possible and plan for tropical weather. Sports or casual clothes are more useful. Comfortable walking shoes are sa must.
Be sure not to pack sharp items in your hand luggage. Pack things such as scissors, nail clippers, pocketknives or knitting needles in your checked luggage.
Always carry your travel documents, medication, jewelry, traveler's checks, keys and other valuables in your hand luggage. Items such as these should NEVER be packed in luggage that you plan to check.
Bring all personal-care items with you. Many products can be bought, but purchasing them can be inconvenient. We suggest you carry toilet tissues with you on excursions.
Jewelry, money, documents etc., should be deposited in the mini-safes were available.
HEALTH REQUIREMENTS
For safety reasons it is requested that physical disabilities of any kind be advised at time of reservation. It is understood that participants requiring special attention or treatment will be traveling with their personal escorts.
The currency in Cuba is Cuban Pesos. It is possible to convert dollars to Cuban Convertible Pesos (CUCs) at the airport. There is a kiosk before leaving the baggage area where money can be converted. The tour leader will assist in this as well. If you do not convert then, there are many places to convert money - for example, hotels, and the local Cuban guide will assist in this.
Credit cards are accepted on board (American Express, Visa & MasterCard) cruise including gratuities to the crew. With regard to the use of Credit or Debit cards in Cuba the following applies: No card issued by a bank that has any connection with the United States will be accepted in Cuba, although MasterCard now say said it will lift a block on U.S. bank-card transactions in Cuba after March 1st 2015:
Under the new (Jan 16, 2015) regulations, American travelers to Cuba may be able to use an American credit card. However, it is not clear how long it will take for banks to begin offering the service. There are few ATMs in Cuba, and many establishments do not have the means to process credit card payments, so cash will be king for some time to come. You may also take pounds and euros, which get a better exchange rate in Cuba than the United States dollar.
You local guide will speak English unless another is specified. The primary language in Cuba is Spanish and your tour guide is fluent in both Spanish and English.
The Cuban power outlets are most often the US American flat pin types. In general the voltage in Havana is 110V AC 60Hz, but some new hotels have 220V AC 60 Hz. It is recommended to use a surge protector for electronic equipment, laptops, etc.
Internet access is becoming more common. More locations in the cities have WIFI and prepaid internet cards are available. Check with your phone service provider as several offer coverage in Cuba.
Cuba is on Eastern Standard Time. When it is noon in New York and Miami, it is also noon in Havana, Cuba.
> Cuba Tours
> Custom Cuba Tours

redpajama_set_name: RedPajamaCommonCrawl


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Being You: A New Science of Consciousness
Being You is not as simple as it sounds. Learn more about the science of consciousness and perception in Anil Seth's (Professor of Cognitive and Computational Neuroscience at the University of Sussex and Co-Director of the Sackler Centre for Consciousness Science) bestselling new book. A book of the year in the Guardian, Financial Times, Economist, New Statesman, and Bloomberg – Seth's views will turn what you thought you knew about yourself on its head.
"A brilliant beast of a book" David Byrne
Philosophy • 31 January 2023
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What is time? Baby don't hurt me.
Are lemons fast or slow?
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Why the Arts and Cultural Activities Are Good For You
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How my Art Room Helped to Transform the Life of a 12-year-old


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The information on this Website is for general information purposes only. Information on this Website does not constitute an offer binding to us. Binding agreements with suppliers of activities available on the OsaBus.com Website require a booking request through the OsaBus Platform and the OsaBus.com staff or specific supplier's acceptance of the booking request according to the General Terms and Conditions of Osa Group Ltd. (OsaBus).
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Osa Group Ltd. (OsaBus) excludes its liability, and that of its agents and independent contractors, and its and their employees and officers, and its sub-agents or distribution partners for damages relating to your access to (or inability to access) the Website, or to any errors or omissions, or the results obtained from the use, of the Website, whatever the legal basis of such liability would be, except liability for damages caused willfully or through gross negligence, and only to the extent permitted by applicable law. Restrictions of liability do not apply within the scope of guarantees issued, in the event of an injury to life, limb or health or for claims based on product liability regulation.
While "Osa Group" Ltd. endeavors to ensure that the information on OsaBus.com is correct, "Osa Group" Ltd. does not warrant the accuracy and completeness of the material on OsaBus.com. "Osa Group" Ltd. may make changes to the material on OsaBus.com, or to the products described in it, at any time without notice. The material on OsaBus.com may be out of date, and "Osa Group" Ltd. makes no commitment to update such material.
The material on OsaBus.com is provided "as is", without any conditions, warranties or other terms of any kind. Accordingly , to the maximum extent permitted by law, "Osa Group" Ltd. provides you with OsaBus.com on the basis that "Osa Group" Ltd. excludes all representations, warranties, conditions and other terms (including without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to OsaBus.com.
All prices on the confirmation email are guaranteed. "Osa Group" Ltd. accepts payment by Payment Cards ( and by bank transfer into our bank account. You must pay the outstanding balance at least 4 weeks before your date of arrival. If you fail to pay on time "Osa Group" Ltd. reserves the right to treat the booking, as cancelled and appropriate cancellation charges will be applied. If you book 6 weeks or less before departure you must pay in full for your booking immediately. We do provide the option to make a 30% deposit payment, but that only ensures your spot/seat on the tour, transfer or any other activity.
For authentication purposes, only written cancellation notices (e-mail or fax) will be accepted. You must apply for your refund in one week or 7 days time after the booked date was cancelled. After these 7 days we assume that no refund was needed and therefore have the right to keep the deposit/money. The refund will be made through bank transfer or credit card, depending on the original method of purchase. Bank fees, if applicable, will be for your account.
"Osa Group" Ltd. wants you and your group to have a great time, "Osa Group" Ltd. therefore expect you to behave in an appropriate manner at all times. You will be responsible for any damage caused by you or any member of your party. If someone in authority deems you or any member of your group unfit to travel or consider that you are causing discomfort to other people and ask you to leave the accommodation, excursion or activity then our contract will be terminated at that moment. "Osa Group" Ltd. will have no further obligation to you and full cancellation charges will apply.
"Osa Group" Ltd. are responsible for the services provided by them. These services must be of a reasonable standard and as described by "Osa Group" Ltd. on their website and if not "Osa Group" Ltd. will be liable to pay you compensation if this has affected the enjoyment of your holiday. Our liability to you is limited to the amount "Osa Group" Ltd. receives from you and "Osa Group" Ltd. cannot therefore compensate for any other costs incurred by you.
"Osa Group" Ltd. do not accept responsibility for any loss or damages caused by any member of your group, failure of someone providing services not connected with us, anyone not connected with either group or reasons due to force majeure. Our liability in all cases shall be limited to the total amount paid to us by you.
Our suppliers provide some of the activities "Osa Group" Ltd. offer. In those instances "Osa Group" Ltd. acts solely as a booking agent for them. Although "Osa Group" Ltd. promotes them, this should not be interpreted as a recommendation to take part. "Osa Group" Ltd. accept no liability whatsoever for any harm, injury or loss including physical or otherwise and even death as a result of taking part in an activity. Whilst "Osa Group" Ltd. only work with suppliers "Osa Group" Ltd. believe to be highly reputable, "Osa Group" Ltd. cannot be held responsible for any false representations given to us by the suppliers.
"Osa Group" Ltd. reserves the right to limit its own responsibilities according to the laws and regulations currently effective in Latvia.
"Osa Group" Ltd. does not accept any liability for any loss, inconvenience or damage caused by war, threat of war riot or civil strife, terrorist activity, industrial disputes, natural disaster, fires, sickness, weather conditions, airport regulations, temporary, technical, mechanical or electrical breakdown of transport or any facilities contained within advertised accommodation, explosion of any nuclear plant or part thereof or radioactivity/contamination arising from such plant or events beyond the reasonable control of "Osa Group" Ltd..
10. Alterations by "Osa Group" Ltd.
"Osa Group" Ltd. reserves the right to alter tour itineraries due to weather, availability of attractions or other circumstances.
"Osa Group" Ltd. reserves the right to change the size and type of vehicle operating on our tours.
"Osa Group" Ltd. highly recommends you to obtain appropriate international insurance valid during the entire stay in Latvia, providing necessary travel coverage including but not limited to return expenses, medical expenses, expenses arising out of cancellation and/or modification, loss of luggage, accident and repatriation. "Osa Group" Ltd. shall not be liable whatsoever for any consequences that may arise out of the yours failure or negligence to obtain such insurance.
If you have any complaint — please let us know as soon as possible so "Osa Group" Ltd. can rectify matters quickly and smoothly. Any complaints made after the holiday have to be made in writing not more than one week or 7 days from the completion of the trip. Claims submitted after this deadline shall not be considered. However, no claim against "Osa Group" Ltd. arising out of, or relating to, these Terms and Conditions, the tour, or events or omissions that occur during or in connection with the tour, shall exceed the amount actually paid you to "Osa Group" Ltd. for the tour. "Osa Group" Ltd. shall not be liable for any damages or losses other than damages or losses that are actually incurred and already paid for you, nor shall "Osa Group" Ltd. be liable for any consequential damages, future damages, lost profit, lost opportunity, mental anguish, or pain and suffering. Our liability to you is limited to the amount "Osa Group" Ltd. receives from you and "Osa Group" Ltd. cannot therefore compensate for any other costs incurred by you.


The crisis in the rental market is driving more people into homelessness than any other factor, a stark new report shows.
New data from the Dublin Regional Housing Executive (DRHE) notes that, between February and June this year, difficulties securing a rental property or losing one forced more people to present to homelessness services than a change in family circumstances.
It comes as Taoiseach Leo Varadkar acknowledged the Government is "going in the wrong direction" in relation to emergency accommodation but his Housing Minister Eoghan Murphy indicated he will resist calls to step aside.
The Government has come under fire for an over-reliance on rental accommodation to tackle the housing crisis, with Fianna Fáil housing spokesperson Darragh O'Brien saying the Government "isn't even treading water, they're drowning".
"We have known for years that the problem is the lack of security in the private rented sector," he said.
Meanwhile, the Labour Party's spokesperson on housing, Jan O'Sullivan, said the report "very starkly indicates that the concentration on the private sector – which is the preoccupation of Fianna Fáil and Fine Gael – is not working".
A spokesperson for Mr Murphy's department said a bill to strengthen tenancy rights was due out in Autumn.
The report shows that, in February, 57pc of those who presented as homeless were due to difficulties in the private rental sector, compared with 38pc who presented due to reasons associated with family circumstance. This compares with January 2017, when 63pc of presentations were due to family circumstance.
In June, the latest data captured in the report, 52pc of presentations were because of rental problems compared with 39pc who presented because of family circumstances.
The DRHE says it recognises that work is under way to strengthen the protections for tenants in private rented accommodation.
A separate report shows Dublin City Council has completed just 192 new units to date and has delivered a total of 721 homes out of its minimum 1,763 target. A number of projects are under way with several expected to be completed before the end of the year.
Mr Murphy has threatened to strip powers from local authorities who are not delivering on housing, but refused to name which councils he had written to urging action.
He pointed to a 40pc reduction in the number of rough sleepers, an increase in the number of new homes being built, and a stabilisation in rising rents – increases which now stand at 2pc rather than "double-digit" figures – as proof of progress in other areas.
"The truth is there is no quick fix," he said. "This is a housing crisis, a housing shortage that has been emerging for a very long time now," he said.
Meanwhile, Mr Murphy brushed aside a question on whether he has considered his position, saying his focus was on delivering a sustainable housing plan.


There was evidence indicating Israel had committed serious violations of international human rights and humanitarian law during the Gaza conflict and actions amounting to war crimes and possibly crimes against humanity, it was reported today by the United Nations fact-finding mission on the Gaza conflict, upon the release of the mission's official report and recommendations.
The 575-page report, which was forwarded to the Government of Israel and the Palestinian Authority this morning and posted on the website of the Human Rights Council, also concluded that evidence exists that Palestinian armed groups committed war crimes, as well as possibly crimes against humanity, in their repeated launching of rockets and mortars into southern Israel.
The mission, established in April by the Human Rights Council, recommended that the Security Council require Israel to report to it on domestic investigations and prosecutions into the incidents considered in the report, as well as any others that might emerge, said the mission head, Justice Richard Goldstone. For that purpose, the Security Council should set up an independent expert committee to monitor the progress made. That committee should also be requested to report on investigations and prosecutions by the relevant Palestinian authorities regarding crimes committed by Palestinian armed groups.
Absent good-faith investigations under way by the sides within six months [of the date of a Council resolution on the matter, under Article 40 of the United Nations Charter], the mission recommends that the Security Council refer either one or both situations, as appropriate, to the International Criminal Court.
Along with its recommendations for the Security Council, the mission, concerned with the use by Israel of white phosphorous and heavy metals, recommended that the General Assembly promote an urgent discussion on those weapons' use generally and anywhere in the world. With the extent of the environmental damage caused by those munitions in Gaza and southern Israel still unknown, it recommended that the United Nations should maintain a watch on what damage might emerge on the environment and among the victims.
"We chose to investigate incidents that appeared to the mission to be reckless, disproportionate or deliberate," said Justice Goldstone, stressing that, in its inquiry of 36 incidents, the mission had not second-guessed Israeli commanders or soldiers in the heat of battle. "What we are talking about is a much broader aspect of the deliberate policies that were adopted and the military actions that were taken not in urgent situations".
On the Palestinian side, he said, "there was no question that the firing of rockets by Palestinians also amounted to war crimes and also possible crimes against humanity".
The fact-finding mission, established in April by the Human Rights Council, had been charged with investigating "all violations of international human rights law and international humanitarian law that might have been committed at any time in the context of the military operations that were conducted in Gaza during the period from 27 December 2008 to 18 January 2009, whether before, during or after". Its four members ultimately interviewed 188 individuals, reviewed more than 10,000 pages of documentation and 1,200 photos and 30 videos, and held two public meetings in Gaza and in Geneva.
In summarizing its findings, Mr. Goldstone stressed that the mission's proceedings had not been judicial or even quasi-judicial in nature. The facts on which it had based its findings and recommendations had not been established to any criminal standard of "beyond a reasonable doubt" or the equivalent civil standard. Rather, guided by the norms of relevant international law, the mission's members had attempted to reach factual conclusions only on the facts that they had found or seen with their own eyes.
To that end, each chapter of the report begins with the mission's findings from its own investigations. Other reports were used as supplementary information and for corroboration, but not as the basis of conclusions. The one exception to those working methods dealt with events in the West Bank and Israel, since the mission had not been allowed access there, but had met Israeli witnesses in Amman, Jordan and Geneva.
The mission concluded that, among other things, Israel had failed to take feasible precautions required by international law to avoid or minimize loss of civilian life, injury to civilians and damage to civilian objects. Specifically, the firing of white phosphorous shells on the United Nations Relief and Works Agency for Palestine Refugees in the Near East (UNRWA) compound, the intentional strike at the Al Quds hospital using high-explosive artillery shells and white phosphorous, and the attack against Al Wafa hospital, were all violations of international humanitarian law.
Elsewhere, he said, the mission had considered the mortar attack on Al-Maqadmah mosque in which at least 15 people were killed and 40 injured on 3 January 2009 during late afternoon services. The reasons given by the Israeli Government and Israel Defense Forces were twofold: that the mosque was used by military armed groups and that weapons were at times stored there. But the mission had found no evidence that the mosque had been used for weapons storage or any military activities by Palestinian armed groups, at that or any other time. But, assuming that militants had been gathered among hundreds of worshippers, there was nevertheless no justification in humanitarian law to mortar the mosque during services. Moreover, there was no evidence of the type of secondary explosions that would have ensued had there been a weapons cache. Nor was there any indication from any documentation received from Israel that the incident took place in error.
The mission had also scrutinized the statements by Israel's leadership saying they were to hit at "the Hamas infrastructure". In the mission's view, that might have been a political policy aimed at destroying support for Hamas among Gaza's population, but it was not a justification for military operations under international law. "If infrastructure is understood to include civilian targets, civilians themselves or civilian objects, that would completely subvert the whole purpose of humanitarian law that was built up over the last hundred years," he said. It would make civilians justifiable targets because there was a political, and not military, advantage to be gained.
The mission had also decided to investigate the conflict's effects on Gaza's economy and infrastructure, especially its food supply, none of which was addressed in Israel's own report on the conflict, he continued. In doing so, the mission had concluded that the sort of destruction created by the bombing of Gaza's only flower factory, a chicken farm and hundreds of factories, as well as the bulldozing of agricultural fields could not be justified by international law and "really had nothing to do with the reason Israel gave" for the conflict, namely the cessation of rocket fire into Israel. Details of those attacks were provided in an additional 34-page report by the United Nations Children's Fund (UNICEF), which also contained satellite imagery.
In evaluating the effects of Palestinian rocket attacks on the civilian population in southern Israel, the report details the effects on cities and populations that fell within the rockets' range, particularly the terror felt and the effects on schoolchildren. It was a matter of luck, as well as the preventive measures taken by the Israeli authorities, that the death toll had not been higher than it was. The report was critical, however, that those protections were apparently not extended to the Palestinian population in the same way.
He said the report also detailed the mission's investigation into the many human rights violations that had been perpetrated in Israel, the West Bank and Gaza. There, it dealt with the intra-Palestinian struggle among various factions, as well as political assassinations and torture against Hamas and Fatah supporters.
In reaching its conclusions and recommendations, the mission had focused on establishing an appropriate level of accountability, he said, adding that it had considered referring both the firing of rockets and mortars and the operations of the Israel Defense Forces to the International Criminal Court. In his estimation, he regarded Israel's efforts thus far to investigate allegations of war crimes had been "pusillanimous". On the Palestinian side, there had been a "complete absence" of any investigation aimed at stopping or deterring the unlawful rocket and mortar attacks on Israel.
In the end, the mission had decided to give full recognition to the concept of complementarity, he said. It had been recognized by the Rome Statute that the first choice in an incident was domestic investigation. It was only where such domestic activity was not possible that the International Criminal Court could accept jurisdiction. While the mission was critical of both sides for having done far too little in that regard, it had concluded that, although there might be unwillingness, there was ability. Israel was clearly able to hold open, transparent investigations. In Gaza, courts and lawyers were operating, and if there was a will, investigations could be held.
Asked to respond to arguments, particularly in the Arab world, that Israel's alleged war crimes were much bigger than those of militant groups firing rockets, he stressed that the mission had been fact-driven and law-driven. Israel's Government had been invited to put forward issues and incidents that should be investigated. The mission itself had not chosen to give more attention to one side over the other, but had dealt with the facts it had found on its visit to Gaza and those on which Israelis had provided information. Particularly significant in that work had been the information provided by civil society and non-governmental organizations in Israel.
He went on to explain that the concept of proportionality was not a comparison of one side's actions versus those of the other, but referred to action taken by one side to achieve a legitimate military purpose. It also related to the number of civilians killed and force used in achieving that objective. It was possible for the killing of one person to be disproportionate, and the killing of 1,000 to be proportionate.
Asked how quickly the Secretary-General should proceed to the Security Council with the report, as well as when the International Criminal Court Prosecutor should take action, he expressed hope it would be "as soon as possible". The possibility of accountability was new and should be prized. Moreover, it was important that justice be done where the victims were concerned as a matter of urgency. The establishment of truth by respected institutions, particularly domestic institutions, was essential.
Still, he said, the Security Council would need to trigger the six-month period under Chapter VII. The committee it established would then report back to the Council within six months, after which the Court might be involved.
He later added, in response to a question about the report's focus on ending impunity, that, as an optimist, he hoped that the Council would respond positively to the report. He would be disappointed if any permanent member objected to undertaking domestic investigations.
Responding to a question about Israeli investigations, and particularly his judgment that they had been "pusillanimous", he stressed that the real point was that the Israeli investigations to date had been conducted secretly by the military and had relied only on evidence provided by soldiers. Only now, seven months later, and only in a few cases, were they talking to anyone affected by those actions.
He said, when asked if he had any personal reflections as a Jew on Israel's conduct, that he had had an association with Israel his whole life. His mother had been an active Zionist before his birth. "As a Jew […] it's obviously a great disappointment to me -- putting it mildly -- that Israelis have behaved in the manner described in the report".
Asked who had come to speak to the mission, he said the idea of public hearings had resulted from concerns that the mission was unable to visit southern Israel. Preference had been given to victims, including, among others, a woman doctor from Sderot who was a victim of a rocket attack.
Pressed on whether the General Assembly had the legal ability to ask for a war crimes tribunal separately from the Security Council, he clarified that the General Assembly should request the Security Council to report to it on the matter. While the Assembly could possibly ask for a war crimes tribunal on its own under "acting for peace", the mission had not asked for or recommended such a course of action.
Asked who specifically would be referred to the International Criminal Court since States as a whole were not generally referred, he said the Security Council had the power under Chapter VII of the United Nations Charter and article 13 of the Rome Statute to refer any situation to the Criminal Court. Its jurisdiction would in turn apply to those responsible for the war crimes. The mission had not named a single person as responsible parties for the crimes, but had simply evaluated if those crimes had been committed. Naming them was work for a prosecutor.
Asked about attempts to discredit the mission before its report was even released, he said that while it might have been inevitable, it was regrettable. However, it was grossly wrong to label a mission or a report as being "anti-Israel". Indeed, it was in the interest of Israel – particularly the people of Israel -- and the Palestinian authorities that allegations of such magnitude be investigated.


The Cocoon Aeris bioethanol fireplace is suspended from the ceiling and can easily be moved from room to room with the use of additional fitted mounting brackets. The hanging pipe is height adjustable with 6 settings. There are extensions available for higher ceilings and additional mounting brackets as optional accessories.
The Cocoon Aeris body is available in polished grade 316 stainless steel or carbon matt black. Make sure to check your ceiling height as the Cocoon Aeris is 182cm fully extended. Extension poles are available.


The Volcanoes performed strongly throughout the tournament however fell short in one game to record 5 wins from 6 games over Round 1. The Volcanoes were dominant in per-formance posting wins over Syria, UAE, India, Nepal and once again over UAE in the final for 3rd place.
Philippine Volcano JonicoAter Hardwick finished as top try scorer over the competition recording an amazing tally of 10 individual tries. Team veteran Gareth Dela Rosa Holgate recorded the most conversions over the tournament with 18 leaving Team Philippines at the top of each list respectively.
"We played some outstanding and exciting rugby, whilst we are proud of the 3rd place finish we will be fighting to win the 2nd and final leg in Dubai to achieve promotion" Justin Coveney, Team Captain.
The Volcanoes depart for round 2 in Al Ain on Thursday which will be played on both February 26 and 27. The national team will receive a warm welcome by the Dubai Filipino community after confirming a meet and greet hosted by Aspire Group along with the Little Manila Filipino restaurant. The event will allow access to the players through interviews and photo opportunities available for all supporters of the Philippine Volcanoes.


These updates are always going to be a week behind, covering Saturday – Friday of the week prior, since my goal is to write blog posts each Sunday and that gives me a chance to write the update post.
I did fairly well this week, though I struggled with being super tired. I listened to my body and chose sleep several times that resulted in me not fully meeting goals. But I think it was the right decision.
Do my miracle morning in some form everyday I did several very modified forms as I got more and more tired this week, but I did it!
Do my miracle night every night, again, modifying Friday and Saturday nights I missed some nights this week due to being tired.
Do 3 cardio workouts a week – jogging at least 1 time and at Grit I did Cardio on Saturday & Wednesday, so I missed one. I jogged on Sunday.
Do 3 strength workouts a week I did 2 strength workouts on Saturday and one on Wednesday, so I met this goal.
Reverse track (record what I plan to eat the night before) my food Monday – Friday at minimumI did this, Monday – Thursday.
Eat more veggies, fruits, and protein than treat foods each day honestly, even o Thursday I did this.
Get back to not drinking within 30 minutes before or after a meal This goal is such a non-starter. I keep forgetting about it.
Drink at least 64 oz of water each dayI fell short a couple days, but still drank a lot of water everyday.
That's my progress update for last week. For those that don't know already, I try to check in each morning and each night on Instagram so be sure to follow me there. I'm @berlssc.
How are you doing with your goals? Happy Health and Fitness!
Michelle adopted me as part of her blog when I decided to close down my blog, Fantasy is More Fun. The blog was dying, but my love of reading and the blogosphere was still strong as ever - so I found my new home here at Because Reading!
I'm not just a book lover, but a one time author (that hopes to be more in the future), wife, and step-mom to the craziest, sweetest 17 year old on the planet. I also have the privilege of teaching Kindergarten. I love what I do and you can expect it to bleed into my posts. Teaching is a big a part of me as my family and reading. So grab a glass of wine and chat books, blogging, and family with me!
Time to get serious! ~ Task it Tuesday!
A Change of Plans ~ Task It Tuesday!
Sounds like you had a pretty well-balanced week which included some fun, but you held yourself accountable. That's great! And YEA! for being back at the gym. I know how much you enjoy the people there and the workouts (even if they are hard!) Great job!
Sounds like you had a great week. I'm glad you're still putting yourself ahead of the job. I'm working on adding more veggies to my diet. I'm pretty good with lean protein and fruit. I"m trying to cut back on starches, I love my rice and potatoes.
I should really do this to keep my accountable for the keto diet and wellness routine I started in January. Is it too late to join?
Never! It's a great group. Visit Jen or Felicia's blog and they should have links for the Facebook group, which is super supportive.
Andie: JOIN US! It's a open group and we are here to support you however you need it. We do most of the action on Facebook: https://www.facebook.com/groups/fitreaders/ I also do a weekly check-in like Berls (Fridays). Let me know if you have any questions!


The Kingdom of Castile was a large and powerful state on the Iberian Peninsula during the Middle Ages. Its name comes from the host of castles constructed in the region. It began in the 9th century as the County of Castile (Condado de Castilla), an eastern frontier lordship of the Kingdom of León.
Experience the architecture and history of Toledo and Segovia during this full-day, guided tour. Leave the navigating to your guide and driver and see the Baroque, Gothic, Roman, and Renaissance buildings and monuments left by those who once lived in this historical cities.
Immerses yourself in the history of Spain. We will take a guided tour to Segovia and Avila, two of the most beautiful cities in Spain recognized as a World Heritage Site, where we will admire its famous monuments such as the bimillennial Roman Aqueduct, or the Romanesque wall of Avila.
Visit Pagos del Rey museum's facilities with an exclusive access to the barrel room, the exhibition garden and a didactic vineyard. Learn all the secrets about winemaking, and finish your visit tasting two delicious wines and a traditional tapa.
Enjoy the exciting and unforgettable experience of flying in hot air balloon. Segovia Day Trip from Madrid.


Parent Road Ministries How to Study the Bible Are you or a friend new to studying the Bible on your own? This simple, memorable guide comes with a detachable bookmark for easy reference.
"...they received the message with great eagerness and examined the Scriptures every day to see if what Paul said was true" (Acts 17:11 NIV).
This quick-start guide to Bible study provides a bookmark with six easy, memorable steps to studying the Bible. Also included is an additional resource explaining the main themes of the Bible, how to handle difficult passages, and how to apply God's Word for life change (James 1:22).
Print this beautiful bookmark to give to family and friends as a reminder to always walk with the Lord. Add a ribbon for a personal touch. It includes the Road to Salvation on the back.