text:
The Altherion Expanse
Continent of Esharan
Republic of Kath
Kingdom of Risolva
Confederacy of Keshal
Badlands of Reshan
Land of Thyluria
Nation of Zahir
Mezok
Fanalis
Nation of Sundrah
A'sulren
Enomera
Fahamir
Valen Aleris the Western Lands
The world of Terra is a vast expanding land, filled with distinct nations and cultures.
The Altherion Expanse is considered to be the known world to any traders and traveler across all of Terra.
[Insert Image of Altherion Expanse]
The continent of Esharan is the largest landmass of the Expanse and home to most of the human nations. Even with its well established human centric rulers, many parts of Esharan remain unsettled.
Capital: Summerhold
Government: Republic
Towns of Importance: Velersburg, Horndale, Krag Moren
Religion: Torath the Compassionate
Kath is a older nation steeped in wealth and culture. It was once ruled over by a long standing Monarchy, that was well known for a kindness toward the people. The regent family, Valorem, disposed of the Monarchy nearly 200 years ago and chose to erect a Republic in its place. The Republic of Kath is governed over by a group of elected officials, known as the Assembly, from the surrounding districts of Kath. The Assembly serves as the legislative body of Kath, creating laws and ordinances that are voted on by the general Assembly.
The elected officials are mostly made up of Breythians, however other races are represented as well. The Kathian government's focus centers around education and commerce. Every city within Kath is well known for its open trade routes and beautiful cities. Most city structures have a Victorian style aesthetic with well developed farmlands and irrigation systems.
Current Leadership:
Since the removal of the monarchy, no single ruler exists in Kath. However, there is the High Council which decides on matters of state. The High Council is made up of a single representative from each city in Kath. Currently there are only four members of the High Council, each one representing their respective cities: Summerhold, Velersburg, Horndale, and Krag Moren.
Capital: Argast Hold
Government: Monarchy
Towns of Importance: Cape Coren, Arbor
Religion: Korok the Bold
A kingdom dominated and ruled by humans. Risolva is a wide stretching land filled with thick grasslands and plentiful farms that supply goods straight to the capital. Though the lands are filled with bountiful harvests, the citizenry is ruled over with a iron fist by the Thane and Risolvian military. Thane families have maintained a dynastic rule over Risolva for generations. The current ruler, Timerius Thane, is said to be just as demanding and ruthless as his ancestors. Whomever rules over Risolva carries the title of Thane, which is given to the eldest male of each generation of the Thane family.
Aside from their tight rule of the lands, the Kingdom of Risolva is well known for their military might. At the center of the military might of Risolva, stands the Astorian Knights. A scared order that are totally loyal to the Thane and do his bidding without question.
The current ruler of Risolva is Timerius Thane. His father Osric Thane died of natural causes 10 years ago. Since that time Timerius has continue to reign in his father's stead. Recently the Thane has taken interest in the seas and begun to conscript naval forces across the lands of Eshara.
Capital: Nelveska
Government: Confederacy
Towns of Importance: Landris Bay, Ratok, Spannertown, Vis'tore
Religion: Rethgar the Salt Father
The Confederacy of Keshal rules over the lands of Keshal. The Confederacy is a collection of port cities and towns all working together in the region of Keshal. The entire region is ruled over by a collective body of regional membership known as the Scions of the Storm. The founding of the Confederacy reaches back to the great breaking. Many small kingdoms and port cities were independent of one another in those days. After the chaos settled most of the lands were in great turmoil and refugees had flooded in from all over the lands. As the new towns and lands began to forge alliances, the founding of the Confederacy became a natural step in the region's growth. According to legend, the first members of the confederacy were pirates and smugglers. To this day many nations trade with Keshal but do so with a careful eye on all dealings that are done.
The Confederacy is loosely governed over by the Scions of the Storm. The membership of the Scions is made up of representatives elected from several districts throughout Keshal.
Capital: None
Government: None
Towns of Importance: Agora Cavern
The Badlands of Reshan is a unforgiving wasteland with wide stretches of land lacking any major sources of water. There is not capital city within the wastes or any specific government of note. The areas are divided into several tribal territories, although "visitors" cannot see these divisions as each territory is vast and violently defended. Each group that lives within the badlands tends to live by their own rules with no specific set of laws. To live in the Badlands is a struggle for life itself. Those who do live within these lands call them the lands of the chosen. All are born and raised to be proud warriors. One place of note within the badlands is Agora Cavern. Angora is a large underground cavern that provides shelter from the harsh environment of the wasteland. Wasteland scavengers meet here to barter and trade wares within the ramshackled marketplace. This area is deemed a safe zone from feuds and blood qualms. It is accessed from a long tunnel leading down from the surface. Weapons are prohibited in Agora Cavern and are demanded to be checked at the tunnels entrance. The self appointed militia that looks over the market is often more ruthless than the dregs that set up their wares. It isn't uncommon for them to enforce their rule with brutal punishments for the smallest infractions.
There is no centralized leadership in the Badlands. Each group or tribe is ruled by their own individual leaders.
Capital: Thel'kis
Government: Dictatorship
Towns of Importance: Tel'kis, Arabos, Port Sorvos
Religion: Zaleria of the Blazing Dawn
Zahir is a beautiful grassland filled with a variety of life. Giant rolling plains, spotted with connecting towns and villages that all seem to intersect with the Light Elf capital city of Thel'kis. All areas of life within Zahir are covered in elegant architecture made of spiraling towers and structures that blend seamlessly into places of natural beauty. Some of these structures and towers appear to glow with a natural ambiance of light even when the sun has set across the land.
The current Great Protector is Luthias Araberos. He is a passionate young man whose lust for adventure knows no bounds. It is a common sight to find the Protector walking among the citizenry learning about their lives and offering assistance where he is able.
Capital: Vesoreth
Government: Plutocracy
Towns of Importance: Vesoreth, Chultoth, Scale
Religion: Eye of Tol'Brynn
Mezok's land is covered in dense rainforest and fauna. Within these jungles is no place for the common person. Everything that exists in the borders of Mezok should be considered to be dangerous. The plants are intelligent predators and creatures of tooth and claw prowl the jungle floor. Insects bite travelers incessantly combined with terrible heat and humidity is nearly unbearable. Within the underbrush all manner of poisonous creatures roam waiting to strike their next victim. Most things that call this place home potentially carry some sort of illness or parasite and it is very easy to catch one of these terrible illnesses from the slightest contact. Regardless of all of these horrible conditions those creatures that call these jungles home protect it fiercely. If adventurers are lucky they will only be captured while those less fortunate will likely perish. Rumors all over Terra speak of great riches and secrets that exist within the depths of these jungles. Because of this travelers come from all over in search of secret riches and are willing to brave the dangers for the off chance of wealth or power.
To the Nathair, nothing is more powerful than their ruler, the Supreme Emperor Thylian Nhyris Extamis. Emperor Extamis is a well known leader for his zeal in worshiping of Tol'Brynn. Since his rule began, old rituals of faith have surfaced again. One function of that faith is the Order of the Fang. A group of religious zealots whose only function is to enforce worship of Tol'Brynn by anyone residing within the lands of Mezok.
Capital: Dorians Rest
Government: Tribal Confederation
Towns of Importance: Blackwater, Pryndale, Maer Valis
Religion: Varied
Fanalis is a wide stretching arctic region, along the southern reaches, due south of Thyluria. Though the lands are frozen and filled with dangerous beasts and other lurking creatures, many have found ways to survive and call it home. Most of Fanalis appears featureless at a glance when peering acrossing the vast frozen plains. However, once you venture further into the interior, across the tundra, you will find groves of ancient trees, vast mountain ranges, rivers filled with delicious ironhead mackerel, and plentiful grasslands nestled into wide stretching vallies, rich with life. Several small trading villages dot the coastline and at the core of coastal trading you will find the port city, Blackwater. Those who chose to travel into Fanalis will have little trouble locating the massive walled city of Dorians Rest. Nestled atop a large hill, the walls reaching high into the sky. According to legend, the city was constructed by giants and departed for unknown reasons. Now humans have taken over as its stewards. Once a year a chiefs moot is held in the walls of Dorians Rest and tribal business is conducted.
There is no centralized leadership in Fanalis. Each group or tribe is ruled by their own individual leaders.
Capital: Elethon
Towns of Importance: New Sidros, Torkas
Religion: Elebor the Unifier
Sundrah is a unique Republic State, governed over by a caste-like senatorial regime. The Ricah make up most of the residents of Sundrah and represent a majority of its governing body. The structure and culture of the capital city of Elethon is a model of how many towns and cities are structured all across Sundrah. The city is divided into districts of element styles (air, earth, fire, water) and each district is assigned various tasks to collectively serve the city. The fire district is responsible for the military and local law enforcement. The air district is responsible for the schools of magic, libraries, lore and the protection of the people. The earth district is responsible for tactical warfare, cartography, commerce, and crops. Lastly the water district responsible for the waterways, health of the people and the defenses of the city.
The lands of Sundrah are uniquely divided by a large stretching mountain range, known as the Yiltian Crest. One half of the lands are covered by dense forest, while beyond the mountains you will find a far stretching desert. In the places between the forest and the shores you will find rolling hills and abundant orchards. Many of the exotic grape wines come from Sundrah. Especially one of the most sought after wines, the harrowvale red. Aside from wine, Sundrah has many other exports throughout the lands. It is rumored throughout all Sundrah that forest continues to attempt to reclaim the lands where the forest once was. Some smaller village ruins are now covered by dense forest groves. Most of the cities are found along the coasts and typically are supported by agriculture or fishing.
Each city in Sundrah north of the Yiltian Crest is governed by the Elethorin Senate. Each member of the Senate is called a Elect. These Elects are voted by the people and are maintained in power over the course several years. Elections for the Elect occur as needed to replace those who are too old to govern or have been removed for various reasons. Lands south of the Yiltian Crest are independent of the Elethorin Senate rule.
Capital: Irithyl A'mal
Government: Matriarchy
Towns of Importance: Neralkuur, Porador, Alphatia
Religion: Kreldak the Warmonger
The land of A'sulren is bounded on all sides by mountain ranges, arranged into a rough rectangle-like shape. To the north you will find the Isembor Ured mountains, along the east and southern parts of the island you will find the Pilars Eskeliur mountain range (Pillars of the Sky). To the west you will find the Dragon's Maw mountains. In the interior of the island is decorated with giant waterfalls and riverways that flow into the island interior. Giant creatures roam the island, making it extremely dangerous to venture out alone. Those brave enough to traverse these dangers will find creatures that are desired for varied worth of exotic hides, teeth and other resources.
Most of the inhabitants live within the mountains for protection and safety to include the native Shadow Elves. One of the most well known sanctuaries is the city of Irithyl A'mal. The city is nestled into the Isembor Ured mountains with parts of the city both above and under the ground. The spires that can be seen have airy arches connecting across delicate spans and walkways. Many of the inner court building's floors are decorated by marble and quartz, presenting a sparking wonder by daylight. Near the southern shores you will find the port city of Neralkurr. Nearly all trading done with A'sulren, will pass through this port. Most other surrounding colonies that have access to the shores, are typically smaller fishing villages.
All of A'sulren is ruled over by the Shadow Elf Matriarchy, ruled by a council of 5 Sildoren (queens). Each Sildor rules over a region that spans a part of the lands of Enkiya'dak. The Sildoren are the highest of authority in their respective regions and rule over their territories with an iron fist. The Sildoren will always be replaced by the eldest daughter of the currently reigning Sildoren. The five rulers currently are Dezakir, Ye'syar, Naegeiros, Virphine, and Sarpeiros.
Capital: Kalestra
Towns of Importance: Hammer Port, Crown Port, Brew Port, Spanner Port, Tarkat
Enomera is a very odd sight indeed to see from the ocean, as smoke bellows high in the sky. The entire island is covered in man-made materials, with little in the way of natural sights remaining. Even with all of this unnatural construction the island pulses with bustling markets and races from all over Terra. Sometimes called the island of commerce, it is commonly known that one can find literally anything for sale here. So long as you know where to look or who to pay off. All of Enomera is highly dependant on trade as it no longer has much in the way of natural land remaining. This dire need for commerce and economy has contributed to the social structure that now exists on the island. No matter where you may be in the social standing of the island every resident must pay homage and taxes to the Merchant King.
Since Enomera is a neutral port, it tends to be a haven for pirates and a rich hiring community of sea-hands and mercenaries. The bustling ports are often filled with ships that are always coming and going. Enomera is a traders dream, as a vast quantity of wealth is made in the quick turnover of product in the town. Which makes it easy for them to reap the benefits. Merchants come in from all over to cash in on various markets and trade vessels, and then turn around and sell their own wares in other ports. Only the poor must eek out an existence in the very limited farms, lumberyards and the ever deepening mines. They also provide the work as servers, bar hands, dock-workers, and other menial labor tasks within Enomera.
The current ruler of Enomera is Merchant King Elnoral. He is the richest gnome in the entire city and well loved by the people. He is known for throwing fantastic parties, making amazing deals and being a bit of a joker at times.
The lands of Fahamir are believed to be cursed and avoided by any who sail the Cousarian Sea. The whole of the island is surrounded by a dense fog and all of the shore approaches are extremely dangerous. Jagged rock and sunken ships encircle the island.
Everything that lies west of Sundrah, across the Cyrith Ocean is often referred to as the Forgotten Lands. These lands are sparsely populated and many hold terrors and wonders only whispered of in taverns.


text:
Official programmation
Main site / MNBAQ
Other curating
Educational and Cultural Activities
La P'tite Manif
Satellite Activities
Shows / Concerts
Practical information / Map
Dan Brault
Des espaces possibles, 2016-2017
The paintings of Dan Brault produce a visually rhythmic effect, the forms and colours appearing on the canvas like notes on a musical score. What results are melodies that are at times harmonious, at times dissonant, expressing above all the pleasures of free creation.
A presentation of Manif d'art in collaboration with the Grand Théâtre de Québec.
The artist would like to thank the lenders, Galerie Laroche/Joncas and Galerie 3.
Grand Théâtre de Québec
269, boulevard René-Lévesque E.
grandtheatre.qc.ca
February 17 to March 19
Monday to Saturday – noon to 5 p.m.
Until 9:30 p.m. on the days of the evening shows
Sunday – noon to 5 p.m. on the days of afternoon shows
Sunday – noon to 9:30 p.m. on the days of evening shows
Opening – February 19, 1:45 p.m.
© Dan Brault, Des fleurs pour Ludivine, 2015. Photo : Charles-Frédérick Ouellet
(Quebec City, Canada)
Dan Brault holds a degree in visual arts from Concord University and a master's in visual arts from Université Laval. He has shown his work in museums and artists' centres in Quebec City, elsewhere in Canada, the United States, Brazil, Mexico, Belgium and the United Arab Emirates. He appears in the book 100 Painters of Tomorrow, published by Thames & Hudson in 2014. His works are in several collections including those of the Musée national des beaux-arts du Québec, Loto-Québec and the Collection Desjardins. The artist is represented by Galerie 3 (Quebec City) and Galerie Laroche/Joncas (Montreal).
danbrault.com
In gallery, Exhibitions, Official programmation
Pilar Albarracín
Pyrofolies (Expérience 1), 2017 Video Furor latino, 2003 Video Fuegos artificiales, 2015 Embroidery on silk A committed feminist,...
Main site / MNBAQ, Official programmation Read More
Ghost Crowd, 2017 Installation Firmly rooted in today's world, Carlos Amorales constantly questions its meaning and expressions. For...
Canadassimo (L'Atelier), 2015-2017 Adaptation of a portion of a work presented at the Venice Biennale Behind the joyous disorder of...
Animitas, 2017 Video projection Conjuring up ancestral rites, Christian Boltanski creates universal works that reconcile our collective...
Jacynthe Carrier and the Orchestre d'hommes-orchestres
Parade, 2015 Video and installation Arising from a collaboration between Jacynthe Carrier and the LODHO, Parade is a multi-coloured...
Manif d'art - The biennale of Quebec | 600, côte d'Abraham, Québec (Québec), Canada G1R 1A1.
info@manifdart.org
Warning: The content of this web site is copyrighted. Any reproduction is strictly forbidden.

redpajama_set_name: RedPajamaCommonCrawl


text:
AIS Institutional Members
The AIS Would like to thank its institutional members:
University of Michigan-Dearborn Middle East Studies
Univ. of Southern California (USC) Department of Middle East Studies
Division of Eastern Mediterranean Languages, Georgetown University
Hamid & Christina Moghadam Program in Iranian Studies, Stanford University
Peace Corps Iran Association
Center for Iranian Diaspora Studies, San Francisco State University
Farzaneh Family Center for Iranian and Persian Gulf Studies, University of Oklahoma
If you would like to become an AIS institutional member please sign up here.


*The daughter of late rapper Notorious B.I.G. went off on her dad's mentor Sean "Diddy" Combs today after he apparently failed to send her a ticket to his upcoming Bad Boy Reunion concert.
T'yanna Wallace was looking for her pass to the show's Madison Square Garden stop, and upon realizing that it wasn't coming, she let Diddy have it on Twitter.
Those tweets have since been deleted, because T'yanna spoke with Puff and worked everything out.
Me & puff talked, a lot of things were cleared up & everything is LOVE!! ❤ So everybody can calm down….
He owes her not one damn thing. I can't stand people like that.


Perfect Morning Fun for your little one- a one hour action packed Art Adventure!
Creative Toddlers dive into the inspiring world of Art & as they work with real artistic materials and explore various techniques, and learn skills as they work on exciting projects and finish magical works of art! This engaging class is the perfect way to keep tiny tots active and engaged, while also encouraging creative development and awareness PLUS guaranteed to promote fine motor skills and social interaction! Our artistic adventures are taught by professional teaching artists, and each student receives hands-on nurturing instruction, in our safe studio space. You will be amazed each week by your toddler's awe-inspiring creations!


text:
[caption id="attachment_132861" align="aligncenter" width="1140"] Two years ago, Winter Storm Diego dumped more than 20 inches of snow on Appalachian State University in Boone, leaving Strawberry Hill (foreground) ripe for sledding.[/caption]
At its highest point, Roan Mountain reaches a commanding elevation of more than 6,000 feet. But on a misty morning along the Appalachian Trail between Round Bald and Jane Bald, the Roan looks otherworldly — almost like an underwater scene.
photograph by Thomas Moors
Photo Essay/ January 2021
The Snows of Appalachia: A Photo Essay
In the west, where the landscape rises to meet the sky, winter arrives early and puts on a show, softening our rugged peaks with a blanket of snow.
by Katie Saintsing
Two years ago, Winter Storm Diego dumped more than 20 inches of snow on Appalachian State University in Boone, leaving Strawberry Hill (foreground) ripe for sledding. photograph by Nelson Aerial Productions
Campus Cool
In Boone, where the average yearly snowfall hovers around 35 inches, winter weather is never far from mind. By the late 1980s, some students had begun choosing Appalachian State University for that very reason: With ski culture in full swing, App State's proximity to classic slopes like Beech and Sugar mountains was a draw. In nearby Blowing Rock, App Ski Mountain's French-Swiss Ski College — founded by an ASU alum — even offered course credits. But as generations of resourceful Mountaineers know, you don't need skis or a snowboard for wintertime fun. A snowy hill and a sled — or a cafeteria tray — can be every bit as thrilling.
In the late '60s, Cataloochee Ski Area moved to its current location, the 5,400-foot Moody Top mountain, where snowmaking guns ensure fresh powder from early November to March. photograph by Luke Sutton
Southern Slopes
When Tom and Judy Alexander started Cataloochee Ranch in the 1930s, their Haywood County tract was both a working farm and a rustic getaway for city folks to ride horses, fish for trout, and hike the Great Smoky Mountains. The Alexanders would sometimes whiz down the slopes on homemade skis, but in those days, adding a ski run for guests was out of the question — in the South, the snowfall was just too unreliable. Finally, snowmaking technology offered a helping hand. In 1961, the family opened the first commercial ski area in North Carolina, setting in motion a Southern skiing tradition.
Once used to spot wildfires, the Wayah Bald lookout tower was eventually decommissioned. But when the clouds part, it still offers panoramic views of the Southern Appalachians. photograph by Franklin & Nantahala TDC
Island in the Sky
On a frosty winter day, Wayah Bald floats like an island in a sea of clouds, with a lone stone fire tower for its "lighthouse." Built by the Civilian Conservation Corps in the 1930s, the tower is the highest point on the 5,385-foot bald, and it stands near the intersection of two long-distance trails: the Appalachian and the Bartram. On a clearer day, in a warmer season, hikers might cross paths here in search of blooming rhododendrons and sweeping views of Nantahala National Forest. For now, the landscape waits, quietly, under a blanket of snow and rime.
From the Art Loeb Trail, photographer Thomas Moors followed the Old Butt Knob Trail to reach the 6,040-foot peak of Shining Rock — and a memorable view of Black Balsam Knob to the south. photograph by Thomas Moors
No matter the season, dazzling white boulders crown the summit of Shining Rock, the aptly named centerpiece of North Carolina's largest wilderness area. Shining Rock was one of the original areas protected by the Wilderness Act of 1964, and, in the decades since, it has grown to encompass more than 18,000 acres in and around Haywood County. And it has remained remote, as promised: Only the most determined hikers see Shining Rock's white quartz outcrops in the winter months, when neighboring Great Balsam peaks get a snowy coat to match.
From the Watauga View overlook on Calloway Peak, you can see Linville Ridge and Sugar Mountain — and beyond to the Roan Highlands, located along the western edge of North Carolina. photograph by Andy Toms
The view from Calloway Peak — the highest point on Grandfather Mountain — is always stunning. For experienced hikers, it's a spectacular reward well worth the strenuous trek along Profile and Grandfather trails. But timing is everything: Those who ascend in time for a winter sunset arrive during the magic hour when the landscape feels a little less frozen, its icy blues and purples cast — if only for a moment — in a warming pink glow.
This story was published on Dec 29, 2020
Katie Saintsing
Saintsing is a senior editor at Our State magazine and a graduate of the University of North Carolina at Chapel Hill.


text:
AAMA triumphs in CMS order entry rule
By Donald A. Balasa, JD, MBA
On August 23, 2012, the Centers for Medicare and Medicaid Services (CMS) issued a final rule on Stage 2 of the Medicare and Medicaid Electronic Health Record (EHR) Incentive Program. Due, in part, to the advocacy efforts of the American Association of Medical Assistants (AAMA), the CMS decided that credentialed medical assistants—including CMAs (AAMA)—would be permitted to enter medication orders into the computerized provider order entry (CPOE) system. This is a major victory for the AAMA and the medical assisting profession.
Summary of the CMS ruling
As reported in the May/June 2012 issue of CMA Today, the CMS had decided in the final rule for Stage 1 of the EHR Incentive Program that only licensed health care professionals would be allowed to enter medication orders into the CPOE system. In its April 24, 2012 comments, the AAMA urged the CMS to amend the wording of its regulations to allow "appropriately credentialed healthcare professionals," as well as licensed professionals, to enter such orders. The AAMA emphasized that CMAs (AAMA) have the knowledge and competency to enter medication orders as directed by the overseeing provider. Authorizing CMAs (AAMA) to enter medication orders, the AAMA asserted, would "allow for enhanced patient care resulting from increased attention to patient needs and greater communication among the health care team."
In its August 23, 2012 final rule, the CMS agreed with the AAMA and issued the following response to comments received:
[W]e are particularly concerned with computerized provider order entry (CPOE) usage by eligible professionals (EPs [e.g., physicians, osteopaths, podiatrists]) in this regard. Many EPs practice without the assistance of other licensed healthcare professionals. These EPs in their comments urged the expansion [to any licensed, certified, or appropriately credentialed healthcare professional…who can enter orders into the medical record per state, local and professional guidelines]. We believe this expansion is warranted and protects the concept that the clinical decision support (CDS) interventions will be presented to someone with medical knowledge as opposed to a layperson. The concept of credentialed healthcare professionals is overly broad and could include an untold number of people with varying qualifications. Therefore, we finalize the more limited description of including credentialed medical assistants. The credentialing would have to be obtained from an organization other than the employing organization. [53986]
The Electronic Health Record Incentive Program Stage 1 rule referred only to entering medication orders into the CPOE system. Questions have arisen about whether this final rule permits credentialed medical assistants to also enter laboratory and radiology orders into the CPOE system. In the Stage 2 final rule, the CMS expanded one of its objectives to include the "use of computerized provider order entry (CPOE) for medication, laboratory, and radiology orders." The wording of the final rule, although open to some debate, supports the conclusion that credentialed medical assistants are authorized to enter medication, laboratory, and radiology orders into the CPOE system. Please note the following:
On page 53985 of the Federal Register, the following CMS Proposed Objective is presented: Use computerized provider order entry (CPOE) for medication, laboratory, and radiology orders directly entered by any licensed health care professional who can enter orders into the medical record per state, local, and professional guidelines to create the first record of the order. [Emphasis added.]
CMS issued its modified objective on page 53987:
After consideration of the public comments received, we are modifying this objective for EPs as § 495.6(j)(1)(i) and for eligible hospitals and CAHs [critical access hospitals] at § 495.6(l)(1)(i) to use the same language as Stage 1 (with the addition of laboratory and radiology orders), as we did not finalize our proposed changes to when the order must be entered: "Use computerized provider order entry (CPOE) for medication, laboratory, and radiology orders directly entered by any licensed health care professional who can enter orders into the medical record per state, local, and professional guidelines."
The CMS objective clearly expands CPOE to laboratory and radiology orders, as well as medication orders. However, it seems as though the wording of this finalized order contradicts the excerpts quoted above and the wider context of the comments and the CMS responses.
A fundamental rule of reconciling conflicting statements in a legal document is that the specific supersedes the general. Based on this principle, it is apparent that the general wording of the modified CMS objective contradicts the specific findings and conclusions in the body of the final rule. Therefore, a correct rendering of the final rule would be as follows:
Use computerized provider order entry (CPOE) for medication, laboratory, and radiology orders directly entered by a licensed health care professional or credentialed medical assistant who can enter orders into the medical record per state, local, and professional guidelines. [Emphasis added.]
Significant precedents of the CMS ruling
There are four significant elements of this Stage 2 final rule for the Medicare and Medicaid EHR Incentive Program that deserve special mention. The following provide positive precedents for CMAs (AAMA) that transcend the immediate issue of entering medication, laboratory, and radiology orders into electronic health records.
Recognized in federal law
The fact that CMAs (AAMA) are specifically mentioned in the statutes and/or regulations of certain states provides helpful precedent when advocating for medical assisting right to practice issues. However, the fact that the United States Centers for Medicare and Medicaid Services, in rules for the high-profile EHR Incentive Program, finds that only credentialed medical assistants—not all medical assistants—are capable of entering orders in the computerized provider order entry system is of even greater precedential weight on both the federal and state levels. In effect, the CMS is taking the position that credentialed medical assistants are just as able as licensed health care professionals to undertake a responsibility that has enormous implications for patient welfare and the viability of an important federal initiative. This is a powerful argument to unsheathe when opponents argue that licensure is the only regulatory mechanism that can be trusted to ensure competence in health professionals.
Distinguished from "credentialed healthcare professionals"
It is sometimes mistakenly thought that "medical assistant" is an overly generic, catch-all descriptor for anyone working in an outpatient setting, who does not have specific clinical or administrative training. This fallacy can now be dispensed with by the strategic use of CMS language. Note again the following language from the Stage 2 final rule:
The concept of credentialed healthcare professionals is overly broad and could include an untold number of people with varying qualifications. Therefore, we finalize the more limited description of including credentialed medical assistants. [Emphasis added.] [53986]
"Credentialed healthcare professionals" is the overly broad, overly inclusive, and ambiguous phrase, according to the CMS. In contrast, "credentialed medical assistants" is the more limited and precise descriptor that differentiates the competent from the incompetent, and that ensures that correct and meaningful information is entered into the CPOE system.
Able to act on clinical decision support interventions
In its comments on the proposed Stage 2 rule, the AAMA informed the CMS that not all medical assistants have the knowledge and competence to be able to enter orders into the CPOE system. The CMS embraced the AAMA's argument, and presents a compelling rationale why credentialed medical assistants are the only medical assistants who can be trusted to execute the correct and appropriate entry of data into electronic health records:
Based on public comments received, questions submitted by the public on Stage 1 and demonstrations of Certified Electronic Health Record Technology (CEHRT) we have participated in, it is apparent that the prevalent time when Clinical Decision Support (CDS) interventions are presented is when the order is entered into CEHRT, and that not all EHRs also present CDS when the order is authorized (assuming such a multiple step ordering process is in place). This means that the person entering the order could be required to enter the order correctly, evaluate CDS either using their own judgment or through accurate relay of the information to the ordering provider, and then either make a change to the order based on the CDS intervention or bypass the intervention. We do not believe that a layperson is qualified to do this, and as there is no licensing or credentialing of scribes, there is no guarantee of their qualification. [Emphasis added.] [53986]
Distinguished from "in-house" medical assistants
According to one theory, clinics and health systems in the near future will not bother hiring medical assistants who have graduated from a postsecondary, accredited medical assisting academic program, and who have a medical assisting credential granted by a third-party standardized testing body, such as the Certifying Board of the American Association of Medical Assistants. These prognosticators predict that large clinics and health systems will create their own in-house medical assisting training programs and in-house tests, and will bestow a medical assisting credential that is only recognizable and of value within the clinic or system. The fact that the CMS goes out of its way to specify that medical assisting credentials "would have to be obtained from an organization other than the employing organization" greatly discredits this spurious theory.
By working with the CMS, the AAMA has helped achieve this landmark ruling, which provides due recognition not only to the medical assisting profession, but also to the importance of rigorous certification standards. By establishing these distinctions, the AAMA has ensured recognition of CMAs (AAMA) and advocated on behalf of the patients they serve.
For the latest information about CMS developments that impact the medical assisting profession and the CMA (AAMA) credential, visit the AAMA website at www.aama-ntl.org and Executive Director Balasa's Legal Eye On Medical Assisting blog. Or contact him directly at dbalasa@aama-ntl.org or 800/228-2262.
Limitations in identifying specific credentials
A question has been raised about why the Centers for Medicare and Medicaid Services (CMS) did not limit its recognition of medical assistants to those with a current CMA (AAMA) credential. The answer is that regulation of professions rests primarily with the states. This time-honored legal principle is rooted in the "police power" reserved to the states by the Tenth Amendment of the United States Constitution. The police power consists of the authority of each state to safeguard the health, safety, and welfare of its citizens by legislation, executive branch regulations, and the enforcement of these provisions. The CMS, therefore, has very limited authority to determine which medical assisting credentials are sufficient to protect the public. The CMS can only establish broad parameters in regard to which professionals should be authorized to carry out certain functions under the Medicare and Medicaid Electronic Health Record Incentive Program.


text:
if __name__ == "__main__":

    from random import choice
    from subprocess import check_output

    import numpy as np

    from astropy import units as u
    from astropy.coordinates import Angle, SkyCoord
    from astropy.table import QTable
    from astropy.time import Time

    np.random.seed(12345)

    N = 100

    tab = QTable()
    target_lon = np.random.uniform(0, 360, N) * u.deg
    target_lat = np.degrees(np.arcsin(np.random.uniform(-1, 1, N))) * u.deg
    tab['target'] = SkyCoord(target_lon, target_lat, frame='fk5')
    tab['obstime'] = Time(np.random.uniform(Time('1997-01-01').mjd, Time('2017-12-31').mjd, N), format='mjd', scale='utc')
    tab['obslon'] = Angle(np.random.uniform(-180, 180, N) * u.deg)
    tab['obslat'] = Angle(np.arcsin(np.random.uniform(-1, 1, N)) * u.deg)
    tab['geocent'] = 0.
    tab['heliocent'] = 0.
    tab['lsrk'] = 0.
    tab['lsrd'] = 0.
    tab['galactoc'] = 0.
    tab['localgrp'] = 0.

    for row in tab:

        # Produce input file for rv command
        with open('rv.input', 'w') as f:
            f.write(row['obslon'].to_string('deg', sep=' ') + ' ' + row['obslat'].to_string('deg', sep=' ') + '\n')
            f.write(f"{row['obstime'].datetime.year} {row['obstime'].datetime.month} {row['obstime'].datetime.day} 1\n")
            f.write(row['target'].to_string('hmsdms', sep=' ') + ' J2000\n')
            f.write('END\n')

        # Run Starlink rv command
        check_output(['rv', 'rv.input'])

        # Parse values from output file
        lis_lines = []
        started = False
        for lis_line in open('rv.lis'):
            if started and lis_line.strip() != '':
                lis_lines.append(lis_line.strip())
            elif 'LOCAL GROUP' in lis_line:
                started = True

        # Some sources are not observable at the specified time and therefore don't
        # have entries in the rv output file
        if len(lis_lines) == 0:
            continue

        # If there are lines, we pick one at random. Note that we can't get rv to
        # run at the exact time we specified in the input, so we will re-parse the
        # actual date/time used and replace it in the table
        lis_line = choice(lis_lines)

        # The column for 'SUN' has an entry also for the light travel time, which
        # we want to ignore. It sometimes includes '(' followed by a space which
        # can cause issues with splitting, hence why we get rid of the space.
        lis_line = lis_line.replace('(  ', '(').replace('( ', '(')
        year, month, day, time, zd, row['geocent'], row['heliocent'], _, \
            row['lsrk'], row['lsrd'], row['galactoc'], row['localgrp'] = lis_line.split()
        row['obstime'] = Time(f'{year}-{month}-{day}T{time}:00', format='isot', scale='utc')

    # We sampled 100 coordinates above since some may not have results - we now
    # truncate to 50 sources since this is sufficient.
    tab[:50].write('reference_rv.ecsv', format='ascii.ecsv')

redpajama_set_name: RedPajamaGithub


text:
Zakat Authority office in Hodeidah supports the dialysis center with 15,000 liters of diesel per…
The office of the General Authority for Zakat in Hodeidah launched the provision of 15,000 liters of diesel as a support for the dialysis center in Hodeidah. In the inauguration, which was attended by the Director General of Economic…
The Endowment Authority condemns the Saudi regime's prevention of Muslims from performing Hajj
The General Authority for Endowments condemned the continued ban of the Saudi regime from performing Hajj for the second year in a row. The head of the authority, Abdulmajeed Al-Houthi, explained that Hajj is one of the religious…
Women's Authority in Rimah concludes the anniversary activities of the cry
Today, Tuesday, the Women's Authority of Ansarollah in Raymah governorate organized two closing events on the occasion of the anniversary of al-Sarkhah (the cry) against the arrogant. In Al-Jubayn district, a speech event was held on…
Zakat Authority and the Ministry of Technical Education sign a contract for the rehabilitation of…
Today, Sunday, the General Authority for Zakat and the Ministry of Technical Education and Vocational Training signed a contract for a vocational training project to rehabilitate and develop the capabilities and skills of young people…
Zakat Authority launches a campaign to support the Palestinian people and resistance by providing…
Today, Saturday, the General Authority for Zakat launched in Sana'a a campaign to support the Palestinian people and their valiant resistance, and a cash aid project for the ambassadors of Al-Aqsa from the people of Palestine in Yemen,…
Head of the Lands, Survey and Planning Authority: We were able to convert the real estate registry…
The head of the General Authority for Land, Survey and Urban Planning, Judge Abdulaziz Al-Ansi, said that the authority had succeeded in converting the real estate registry to a digital system after it was manually during the era of the…
Aviation Authority Client: "We are forced to close Sanaa airport to UN flights due to the…
The Undersecretary of the Civil Aviation and Meteorology Authority, Raed Talib Jabal, confirmed the inability of Sana'a International Airport to continue providing navigation services to United Nations aircraft and humanitarian and…
With the presence of the Intelligence Authority head … an exceptional tribal meeting discusses…
To discuss the decisiveness mechanism in the Ma'rib front and expand communication channels for the return of the penitents, an exceptional tribal military meeting was held in the capital, Sana'a, Tuesday, . In the meeting chaired by…
Zakat Authority launches project to produce ,supply clothes for poor
The General Authority for Zakat, in cooperation with the Ministry of Social Affairs and Labor, launched on Monday in Sana'a a project to supply clothes for the poor and needy from local production at a cost of 600 million riyals under the…
Fisheries Authority condemns kidnapping of three fishermen
The General Authority for Fisheries in the Red Sea condemned on Sunday the kidnapping of Yemeni three fishermen by the Saudi-led coalition in Hajjah province while they were working at the sea, according to YPA. The authority denounced…
Zakat Authority organizes a collective wedding for 90 grooms in Hajjah governorate
The Office of the General Authority for Zakat in Hajjah governorate organized ,today, Sunday, a collective wedding for 90 bridegrooms from the sons of martyrs, freed prisoners, the wounded, the poor, and Bilal's grandchildren under the…
The revolution leader congratulates the newlyweds for their wedding ,stresses the importance of…
The Leader of the Revolution, Sayyed Abdul-Malik Badreddin Al- Houthi congratulated the grooms and brides on the occasion of wedding celebration for a total of 3,300 grooms and brides in the capital Sanaa on Wednesday afternoon, wishing…
UN Double Standard, Recognizing Yemen's True Legitimate Authority in Sana'a
Article translated from Almyadeen, wrote by Abdulallah Hajar, Foreign Affairs Advisor to the Supreme Political Console in Sana'a. The secretary general of the United Nations and his assistants didn't bother to order the legal…
Republican Hospital Authority In Hajjah … A quantum Leap In Medical Services Despite The Aggression
The Republican Hospital Authority in Hajjah province saw a qualitative step in expanding of medical services as new wards, departments and centers have been opened, including the development of diagnostic services despite the…
Al-Jawf local authority condemns the crime of Islah Party militia against Subia'an family
The crime of Islah militia against Subia'an family in Wadi Ubaida, which killed seven and wounded a number was condemned by the local authority in Jawf province on Wednesday . This brutal crime is a flagrant violation of rights…
Hajjah leadership ,the local authority condemn the crime of the aggression mercenaries against the…
The local authority of Hajjah province on Wednesday strongly condemned pro-coalition Islah militias' crime against Subia'an family in Marib province. The hideous crime committed by the Takfiri militias loyal to Islah party,…
The Civil Defense Authority warns citizens of approaching or being present on flood paths
The Civil Defense Authority on Friday issued a warning to citizens about torrents flowing into the capital Sanaa due to heavy rains. It called on all citizens in the capital not to cross from or near al-Sailah (the main waterway, in…
The Board of Directors of the Zakat Authority discusses the Authority's contribution to face Corona…
The contribution of the Authority to confronting the Corona virus in the quarantine centers at the overland points were discussed on Wednesday by Board of Directors of the General Authority of Zakat. The Board, at the meeting, approved…
Sana'a Airport has been shut down for four years in light of an international silence: Civil…
A spokesman for the General Authority of Civil Aviation Mazen Ghanem affirmed on Sunday the closure of Sana'a International Airport continued by the aggression coalition, is a war crime and violations of the international law.…


text:
Further Evidence On The Effect Of The UK Cervical Screening Programme
(Effect of screening on cervical cancer mortality in England and Wales: analysis of trends with an age period cohort model)
In this week's BMJ a paper written by Dr Peter Sasieni and Joanna Adams from the Imperial Cancer Research Fund supports recent findings of a beneficial effect of the national cervical screening programme. The authors say that before the relaunch of the programme in 1988 screening had a minimal effect on mortality, but since its relaunch screening appears to have reduced cervical cancer mortality by over 60 per cent in those aged under 55 years (up until 1997). They estimate that 1300 lives were saved in 1997 by screening in previous years.
Dr Peter Sasieni, Senior Scientist, Department of Mathematics, Statistics and Epidemiology, Imperial Cancer Research Fund, London comms@icrf.icnet.uk Further Evidence on the Effect of the National Cervical Screening Programme In this week's BMJ, researchers support recent findings of a beneficial effect of the national cervical screening programme. The authors say that since its relaunch screening appears to have reduced cervical cancer mortality by over 60 per cent in those aged under 55 years.
Related Mortality Articles from Brightsurf:
Being in treatment with statins reduces COVID-19 mortality by 22% to 25%
A research by the Universitat Rovira i Virgili (URV) and Pere Virgili Institut (IISPV) led by Lluís Masana has found that people who are being treated with statins have a 22% to 25% lower risk of dying from COVID-19.
Mortality rate higher for US rural residents
A recent study by Syracuse University sociology professor Shannon Monnat shows that mortality rates are higher for U.S. working-age residents who live in rural areas instead of metro areas, and the gap is getting wider.
COVID-19, excess all-cause mortality in US, 18 comparison countries
COVID-19 deaths and excess all-cause mortality in the U.S. are compared with 18 countries with diverse COVID-19 responses in this study.
New analysis shows hydroxychloroquine does not lower mortality in COVID-19 patients, and is associated with increased mortality when combined with the antibiotic azithromycin
A new meta-analysis of published studies into the drug hydroxychloroquine shows that it does not lower mortality in COVID-19 patients, and using it combined with the antibiotic azithromycin is associated with a 27% increased mortality.
Hydroxychloroquine reduces in-hospital COVID-19 mortality
An Italian observational study contributes to the ongoing debate regarding the use of hydroxychloroquine in the current pandemic.
What's the best way to estimate and track COVID-19 mortality?
When used correctly, the symptomatic case fatality ratio (sCFR) and the infection fatality ratio (IFR) are better measures by which to monitor COVID-19 epidemics than the commonly reported case fatality ratio (CFR), according to a new study published this week in PLOS Medicine by Anthony Hauser of the University of Bern, Switzerland, and colleagues.
COVID-19: Bacteriophage could decrease mortality
Bacteriophage can reduce bacterial growth in the lungs, limiting fluid build-up.
COPD and smoking associated with higher COVID-19 mortality
Current smokers and people with chronic obstructive pulmonary disease (COPD) have an increased risk of severe complications and higher mortality with COVID-19 infection, according to a new study published May 11, 2020 in the open-access journal PLOS ONE by Jaber Alqahtani of University College London, UK, and colleagues.
Highest mortality risks for poor and unemployed
Large dataset shows that income, work status and education have a clear influence on mortality in Germany.
Addressing causes of mortality in Zambia
Despite the fact that people in sub-Saharan Africa are now living longer than they did two decades ago, their average life expectancy remains below that of the rest of the world population.
Read More: Mortality News and Mortality Current Events


text:
Men's Soccer Team Ends Regular Season With 3-1 Win Over UC Davis
Los Angeles, CA - The fourth-ranked UCLA men's soccer team finished the regular season with its eighth win in its last nine games, defeating UC Davis, 3-1, in front of 1,725 at Drake Stadium. Sophomore midfielder Benny Feilhaber scored two goals, including the game-winner in the 78th minute.
UCLA got on the scoreboard first, in the 38th minute. Jonathan Bornstein sent in a cross from the left side to Feilhaber, who booted it in past UC Davis goalkeeper Jake Martini. After the intermission, UC Davis quickly got back into the game. Just 1:54 into the second half, Connor Voss scored his first goal of the season on a 10 yards shot, assisted by Ryan Shaw.
The Bruins regained the lead at 77:52 when senior Mike Enfield lobbed a pass to Kiel McClung on the right side. McClung slotted the ball into a crowded box to Feilhaber for the game-winner. UCLA received some cushion late in the game. With the Aggies furiously trying to equalize, Chad Barrett sent a long pass to Mike Enfield on the right side for a breakaway, and Enfield eluded an Aggie defender and Martini for his team-leading 11th goal of the year.
For the second straight game, the Bruin defense, led by the backline of BBrandon Owens, Patrick Ianni, Marvell Wynne and Jordan Harvey, kept its opponent to a shot total under four, this time allowing just three shots. UCLA's offense recorded 19 shots.
The Bruins close the regular season with a 13-3-2 record. UC Davis falls to 6-10-2. UCLA earned an automatic berth in the NCAA Tournament after clinching the Pac-10 title last week, and the Bruins will await the NCAA bracket, which will be announced on ESPNews at 1 pm PT on Monday, Nov. 15.
UCLA Men's Soccer Team Wins Pac-10 Opener Over OSU, 3-1
Nakazawa Leads UCLA To 3-1 Win Over Oregon State
Cal Rolls to 3-1 win over Cal State Fullerton
More Pac-12 Men's Soccer


text:
Home » Persons » Edward Ghalib Counselor
Displaying 1 - 10 of 54.
34. The church is fasting 3 days before examining the appeals against candidates for the papacy
Date of source: Tuesday, October 2, 2012
The church had commenced on Monday (October 1) fasting for three days to pray for the smooth election of the 118th pope of the See of Saint Mark.
13. Copts attack the internationalization of the issue of "two saints"
Date of source: Sunday, July 15, 2012
On the other hand, statements by lawyer Joseph Malāk, an Alexandrian Coptic activist, stirred arguments in Coptic and church circles after he announced that he had addressed the U.S. administration in Washington and the U.S. embassy in Cairo to ask for mediation with President Muhammad Mursī on the...
1. "Evangelical" demands the survival of the second article as it is in the Constitution of 71
The Coptic Evangelical Church, led by Dr. Safwat al-Bayādī, issued a statement on Egypt's draft constitution asserting its acceptance of Article II as written in the 1971 Constitution without any changes or amendments. The chapter on rights and freedoms, however, may include a clear article about...
24. After the second article of the Constitution ... (37) proposals for amendment .
Counselor Edward Ghālib said the additions made to the text of Article II of the Constitution has relieved everyone and converged with the Azhar paper on rights and freedoms, which was approved by all political groups in the society. Counselor Munsif Sulaymān said through calm and legal dialogue...
2. Satisfaction in the Christian circles
Egyptians in general and Christians in particular heaved a sigh of relief after the Azhar settled the row about Article II of the Constitution by calling for keeping it intact. Grand Shaykh of the Azhar Dr. Ahmad al-Tayīb said that Article II in the way it is drafted now is a "title of accordance"...
3. Human Rights First urges pressures to advance Egyptian women's rights
"This Saturday, Secretary of State Hillary Clinton will do something that no U.S. Secretary of State has ever done: meet with a democratically elected president of Egypt. The meeting should be about more than symbolism. Egyptian women were at the forefront of their revolution, but the systemic...
18. Postponing the case of the events of Maspero
Date of source: Tuesday, July 3, 2012
In a brief 10-minute session under tight security measures, the Cairo Criminal Court on Monday (July 2) decided to adjourn to the September 3 session of the trial of defendants involved in the October 9 clashes outside the state radio & TV building in Maspero area that left dozens killed or...
20. Representatives of churches in the constituent assembly hold the principles of Islamic sharī'ah
Ghālib said that the churches rely on the Azhar document, which is one of the important references for the writing of an Egyptian constitution. Head of the Coptic Evangelical Church, Dr. Safwat al-Bayādī, said the constituent assembly will write a draft constitution to offer to the Egyptian people...


text:
Q: Making grouped histograms bigger in Python I am drawing some grouped histograms in python as per this question, but am trying to plot more histograms and make them bigger.
To give an example:
from pandas import DataFrame
import numpy as np
x = ['A']*300 + ['B']*400 + ['C']*300 + ['D']*400 + ['E']*200 + ['F']*500 +
['G']*400 + ['H']*500 + ['I']*300
y = np.random.randn(3300)
df = DataFrame({'Letter':x, 'N':y})
grouped = df.groupby('Letter')

I then plot like this in Jupyter:
%matplotlib inline
df['N'].hist(by=df['Letter'])

but the plots come out really small. How do I increase the size so they fill the page?

A: It wasn't that difficult:
df['N'].hist(by=df['Letter'], figsize = (16,18))

redpajama_set_name: RedPajamaStackExchange


Hello everyone! Today's post is all about Profusion Cosmetics new releases. As you guys know profusion is one of my favorite brands because they show that sometimes you don't need to spend a ton of money to have great quality makeup products. Below are my top pics from their new products and also a final look using all of them. I hope you enjoy!
First of all, the package of this palette is so eye catching, very feminine, and elegant looking. This is a perfect palette for everyone since it has everything you need to archive any eye/lip/face look and includes shadows to make everyone happy. Very playful and beautiful shades from neutral mattes to fun shimmers. The shadows are well pigmented, soft, and easy to blend with very little fall out. As with any eyeshadow to get full intensity, you can foil them or use eye primer. The blushes, bronzer and face powder are all matte. You need to be careful when applying the blushes because they are highly pigmented. It is better if you build the color little by little. The lip glosses are pigmented as well especially the darker shades. This will be a palette I will bring with me to travel because I can almost do my entire makeup with this set. My final thoughts are that they nailed it with this palette.
Swatches of my favorite Eyeshadow Colors Including Mattes and Shimmer.
My favorite Lip Glosses. You can see how beautifully pigmented they are.
My brows are naturally thick but I have some empty spaces to fill in and some others where I need to even out the thickness of my brows. I'm totally ecstatic about the endless possibilities I have with this palette. The powders in this palette are very high quality and the colors blend perfectly. Also the tools are very well made and will last you longer. Each pan consists of a light and dark shade for perfect color matching . I totally recommend this palette if you are a makeup artist or you like to change your hair color alot. The palette suits every hair color! You will not have to seek out another brow palette again since it includes everything you need to make your brows look beautifully natural.
Swatches of some of the shades that you can create with this kit.
As the name says, this is a cream set that includes one highlight stick (soft light shade with yellow undertones), one contour ( Cool toned), and one bronzer (warm toned) stick and if that is not enough for the $9.99 price they added a blender sponge. The consistency of these sticks are very creamy, lightweight and super easy to blend without looking patchy. They also give you enough time to work with and get a very natural look as you blend them since they have a sheer formula that can be built to a medium one. They have a slight satin finish that will give your skin a more healthy look. I found it easy to apply with the blender sponge included in this kit. The sponge is super soft and it does a great job blending my foundation as well. I like how they include in the package a brief description and illustrations on how to use every product and where to apply them. The shades included in this kit will work better for light to medium skin tones. I just wish they sold the sponge in this kit individually because I would totally buy more.
This cream concealer palette includes 4 different shades. The texture of these cream correcting colors goes on very smoothly, are easy to blend, and the coverage is buildable without looking cakey. I like how you can customize the shade you want since you can mix the colors to create your desired color. This palette is perfect to cover any imperfection you want to hide (dark circles, dark spots, redness). I love using the salmon shade for my under eye circles and it works wonders. After applying the salmon shade I apply a peach undertone concealer on top. Since it is summer I recommend you to use a setting powder for long lasting results. The package is slim and very travel friendly, perfect for a quick retouch wherever you go.
All their products are CRUELTY FREE!
That's a great selection! I love how vibrant the bright colors are, and the browns are so rich. Great colors.
Profusion looks like a great brand. I love the selection in that makeup collection! There are colors in there for day and night. Great!
You can create most any look you want with this complete palette of colors. It's pretty amazing!
This looks like a really great set. I love all of the color choices.
I'm 40 years old and I've never contoured or highlighted. I know, I know! I am so clueless with makeup. This looks just beautiful on you!
I have never heard of this brand before. My daughter would love that treasure box of makeup. She loves to experiment with everything she learns on YouTube!
I need to pick this up. I love the colors in the treasure box. There is something to go with every outfit.
These shades look really great on you with your skin and complexion. I love the variety of colors for all skin types.
These look like a wonderful shade to work with, I love how it matches your complexion. Looks wonderful on you!
Never heard of this brand before but I love some of their offerings. I really like the Treasure Box Makeup Set eye palette. So many shades to experiment with!
Looks amazing on you! I want to try the Lip Glosses colors and the contouring sticks!
I have never heard about Profusion before, but sounds like a wonderful brand with some great products. The makeup set is quiet amazing with so many Eyeshadows & Lip Glosses and the colors are fabulous too!
Love the final look on you - so pretty! I would love to try the lip glosses. Love all the shades.
This is every single makeup lovers dream! This box has so many awesome colors, the look options are endless! Your final look is amazing! Great job!
I love the treasure box makeup set. With all the different color choices that it offers, I would be all set for every date night.
You look stunning! My daughter would love the contour kit. She is dying to teach herself how to do it.
This looks like fantastic makeup. I will have to show this to my Daughter. She loves makeup.
Talk about providing everything you need. This set really is pretty awesome.
The brow kit looks amazing. I am loving all of the colors that are offered in the eyeshadow palette. This is a really amazing set.


Kit Hindrichs at Pentagram (B) is a Harvard Business (HBR) Case Study on Organizational Development , Fern Fort University provides HBR case study assignment help for just $11. Our case solution is based on Case Study Method expertise & our global insights.
This case focuses on Kit Hindrichs, a 65 year-old partner at Pentagram, a privately-owned multidisciplinary design firm. One of the world's most prestigious design firms, Pentagram was founded by five designers from different disciplines in London in the 1970s. By 2008, Pentagram remained small, with less than 30 partners, each a veritable star in his or her own right. Pentagram had two founding principles, the first of which was equality. The equality principle meant that leadership was evenly distributed; partners with seniority had no greater formal authority than newer partners, and the only formal leadership role was a chairman position, which, after being held with a founder for 30 years, was rotated every two years. Further, Pentagram had no corporate office; each partner was expected to manage their own financial, marketing, and human resource functions. Pentagram's second principle was generosity. All partners were equal shareholders in the firm. Pentagram branched out to New York in the early 1980s, and in the late 1980s, Hinrichs established a San Francisco location. This case describes how Hinrichs grapples with the future of the San Francisco office, once learning he will be its only partner.
Do the SWOT analysis of the Kit Hindrichs at Pentagram (B) . SWOT analysis is a strategic tool to map out the strengths, weakness, opportunities and threats that a firm is facing.
You can also do a weighted SWOT analysis of Kit Hindrichs at Pentagram (B) HBR case study.
Another way of understanding the external environment of the firm in Kit Hindrichs at Pentagram (B) is to do a PESTEL - Political, Economic, Social, Technological, Environmental & Legal analysis of the environment the firm operates in. You should make a list of factors that have significant impact on the organization and factors that drive growth in the industry. You can even identify the source of firm's competitive advantage based on PESTEL analysis and Organization's Core Competencies.
Implementation framework helps in weeding out non actionable recommendations, resulting in awesome Kit Hindrichs at Pentagram (B) case study solution.


Jimmy refuses to feel ashamed about duping Dylan and her classmates into thinking he and his band wrote 'Satisfaction' and several other hit rock and roll songs. 'I learned nothing, and I would do it again!' he announces proudly. Watch this scene from the Speechless Season 3 episode,'H-- HEY, YOU,' and don't miss Speechless FRIDAYS 8:30|7:30c on ABC.


A one-of-a-kind, original watercolor painting. A way to stay in touch with that special someone. Love, friendship or Valentine's Day.
Lovingly hand painted card. Watercolor and ink original painting on ivory acid free paper.
Blank interior w/ matching envelope.


Fragile religious sentiments or ignorance of the followers? Basic principle of every religion is almost same. All religions have same teachings but different gods it's like so many different companies making same product with a different name. Except some beliefs every religion teaches us the same kindness, humanity, caring and forgiveness. Messengers, gods, prophets or anyone related to any religion are figures of idealism. Their lives are examples to be followed by their believers.
Now I come back to my question fragile religious sentiments or ignorance of the followers? Followers of every religion, sect or community get offended easily if someone criticizes their religious beliefs it is because of their ignorance they don't argue with criticizers instead try to abuse or physically hurt or kill the criticizers. Situation became out of control when so called torchbearer aka god-mans, mediators between god and follower took things in their hands. They instigate ignorant believers into doing things which appease them and their political allies.
Recently Kiku Sharda famous comedian best known for his role as Gulgule in Sab TV's FIR and Palak in Colors' Comedy Knights with Kapil arrested for mimicking Baba Gurmeet Ram Rahim Singh of Dera Sacha Sauda. Baba's followers get hurt seeing him mimic their sacred leader. What about us who hurt seeing him as hero on silver screen? Interestingly Baba himself is seeking pardon from Sikh community for hurting their sentiments by behaving as Guru Gobind Singh.
Muslim community staged nationwide protests because Kamlesh Tiwari member of a right wing Hindu organization defamed Prophet Mohammad. One such protest in Kaliachak of district Malda, West Bengal became violent and some of the protesters set a police station, some BSF vehicles on fire. Last year Hindus were also hurt by the depiction of Hindu Gods in the movie PK and some theaters in many parts of the country were attacked for showing the film. Renowned painter M.F.Husain forced to leave India for improper depiction of Hindu Gods. Christians were offended during release of Da Vinci Code. Sikhs became violent when Guru Granth Sahib was damaged and Prophet Mohammad's cartoon violated Muslim's religious sentiments.
Sometimes I think about futility of all Gods who don't have power to stop their insult. How easy is to make a believer angry? Question his/her god and be ready to face the consequences, your rational thinking may be wrong but not the things written in scriptures long ago?If a religion stops rational thinking, I stop blindly following that religion. It is also strange that those who get offended by questioning/mimicking/representing/drawing/ god or His messengers remain unaffected when His creations suffers. So make beliefs in your god strong and respect His sense of judgment. If what He did is always right than whatever He is doing is also right. Stronger beliefs mean stronger sentiments which wouldn't hurt easily. God Bless Himself, His Followers and India.
The whole thing about religious sentiment is so ridiculous. There is a need to be engagement but rather than doing it in civilized manner, those people prefer to use violence to muzzle voices. So called knowledgeable people about religion are the ones who know very less and claim to know it all. I also don't follow deeply entrenched rituals.
A very well-laid post. 'Twas a great read.
I don't know when people will stop fighting in the name of religion, which btw, propagates peace.


The Openbuilds BlackBox is a new system evolved around a set of subsystems that cover more than just control and also more than just CNC type applications! With a plug-and-play easy connection system this controller can be used with ease, without sacrificing power.
Transformation of an OpenBuilds Mini Mill into a convertible 3D printer / CNC mill with interchangeable tooling. Maybe a bonus conversion TBD.
The crypt-cube is another project I've been working on off and on over the past year, unlike my previous built C3DO this is a much smaller built with a volume of 318mm x 240mm x 220mm. With this build my main focus is precision and speed.
Large 2 foot x 3 foot x 4.5 foot build volume Core XY printer build in process at this point. I am designing everything from scratch and using typincal parts bought from amazon for the build.
Just starting a miter saw stop system. Any suggestions appreciated.
CoreXY printer heavily inspired by e3d's new open source printer with tool changing. I intend to make it so when e3d start selling toolheads these can be added to the machine without any major work having to be done.
I have always wanted to work with CNC machinery...a few years back I got my chance to learn some basics at the Double Glazing Company where I was employed (very basic I might add) before the firm folded and I was made redundant...I wanted to continue learning and when I came across this site which push affordable machines I thought I'd give it a go. So I purchased a !000mmx750mm Screw Driven Workbee from Ooznest and I'm about to embark on my quest as many have done before me...Wish me Luck!
I am satisfied with my build and next one will be even better.
Building a Large OX CNC Open Build on a fold down table.
Take your build to the next level with the CNC xPRO V4!
Some of the things that I have done to my 1510 Workbee Installed Linear rails and bearing blocks with drawings. Installed Ops console Made conversion plates for extruded aluminum to casters Extended z axis travel by a couple inches with steel plates. As of now in the process of installing Lead screws across the 1500mm length.
For a schoolproject we decided to build this large format CNC-machine. The greatest part of the mechanics were sourced from OpenBuilds.
A stable and strong 3D printer made of 16mm MDF and machined on my OX.
A dual head PNP machine that uses Openbuilds hardware, a Smoothieboard controller, dual camera vision, automatic/drag feeders, and OpenPnp.
Building a CoreXY based 3D printer using primarily parts from China on eBay. Large 500mm frame.
A proper CNC mill conversion. But quite small, with my trademark idiosyncracies.
This is an experiment to build a Linear Delta Printer using four towers instead of three. Primary reasons: 1. Build area is roughly cubic vs roughly cylindrical 2. Greater speed and precision from additional control provided by fourth tower. 3. Symmetric kinematics from even number of towers.
Wanhao Duplicator i3 Plus - Major rebuild.
Major rebuild of my Wanhao Duplicator i3 Plus.
I built a custom delta using 3, 1000 mm long C-Beam® Linear Rails and 3 C-Beam Gantry Sets. I had the bottom and top plates water jetted ( for accuracy ) out of 1/2 inch aluminum, from a design that I did in Fusion 360.
Vslot rail system at work again, laser cutter/engraver rotary device for cylindrical objects .
Workbee 1510 screw driven build by MsDosFX.
A 250x250 mm Delta Printer utilizing a Duet Wifi controller and a Titan Aero direct drive extruder.
Building a custom made 80W Co2 Laser cutter. Making it from scratch and it's a work in progress but I've learned a lot and I'll be sharing a bit of that knowledge with you guys since I've learned a lot from here.
This machine is a heavy duty, moving gantry style CNC router. It uses Teknic ClearPath servo motors driving ballscrews and linear rails. The machine has 36" x 48" x 19" of travel with about 7" of clearance below the gantry.
Inpired by the OpenBuilds OX and PrintrBot Crawlbot. This is the LimpyCNC. It's still a work-in-progress. But it provides a 120x120cm work space without using up 150x150cm of garage space.
piranha millright etc. with similar setup including Bosh Makita dewalt 611 routers or spindles.
Attaches router with screw clamping. Clear Skirt is 2" long or can be made longer if requested. Works well keeping dust within the chamber. It can be made to fit shapeoko, ox cnc, workbee, xcarve, 6040, laguna,piranha, millright etc. with similar setup including Bosh, Makita , dewalt 611 routers or spindles.
A CNC machine with a massive 30x30" work area, that supports a router, laser, plotting and work monitoring camera. Control includes a tethered control box, game controller style jog control, and relay controlled AC outlets for all appliances. Accessories include a 3D printed dust shoe, a complete spoilboard and hold down system, an XYZ touch probe and multiple vacuum retention boards to support full profile routing.
summary huh... If it doesnt fit MAKE IT!
The OpenCase Mounting Kit makes wire management quick and easy!
A 2 independent gantry affordable hotwire machine.
Currently I have Velleman/3Drag K8200 modified and CNC machine self built and wanted to use both to make new 3D printer. After looking at different designs I liked Voron a lot and have decided to go that way. Currently I have ordered majority of parts and build shall start soon. I don't plan to rush it as I am usually 2 months home and 2 off.
Behemoth cnc router build in progress using hiwil rails and closedloop servos.
The purpose of this machine is to mix two parts of conformal coating with different viscosity in exactly 1:1 ratio and distribute the fluid on to PCB to seal and make it waterproof.
This was my first attempt for a laser platform. I'm using the OpenBuilds ACRO 20"x40 platform, 6W OptLaser, homemade z height and the xPro driver board.
Rebuilt the internals of a K40 to allow for a 12 x 24 in cutting area while reusing the same external case and not touching the laser tube.
This is a router that I designed that is loosely based on the Openbuilds Ox, but designed to be heavy duty, rigid, and yet quick and agile.
The Tiger Paw will be a 1000mm X 500mm Cartesian style CNC with the Minimill attached to the end. It is named the D&R Tiger Paw because my son, Daniel, and myself, Richard, will put this Tiger strong and fast machine together. Our goal is to have a Tiger strong build with a Paw print that wouldn't take up a huge amount of space in our garage.


The heart is an organ found in our bodies. It is built of strong muscles and get the blood supply of the tissue surrounding the blood vessels. The heart pumps blood to supply oxygen and nutrients throughout the body via the circulatory system. A healthy heart is capable of pumping 10 thousand liters of blood a day and beats about 100 thousand times a day, between 60 to 80 times per minute. A heart attack occurs when blood vessels become narrow heart. This narrowing occurs because the inner walls of blood vessels covered with fat, especially cholesterol.
If the blood vessels become narrow, then there is not enough and sufficient blood and oxygen supply. This will lead to the occurrence of chest pain. If a blood vessel is fully enclosed part of your heart will be damaged causing intense chest pain. This condition is known as a heart attack.
Among the signs of heart disease is that patients will feel shortness of breath, palpitations, fatigue, cold sweat, dizziness, and fainting. What are the factors that allow a heart attack? Smoking increases your chance of having heart disease as much as three to six times. Among the effects of smoking is blood clotting. Second, the deposition of fat in the blood vessel wall and a third, reducing the supply of oxygen to the heart.
Stress can also cause you to experience an increased heart rate and blood pressure also increases. This situation will lead to a person experiencing a heart attack.
The high fat content in the body will also enhance the risk of heart disease.
A lack of physical activity or exercise will increase the risk of heart disease. Exercise is important to strengthen the muscles and improve blood flow to the heart.
High blood pressure will also lead to heart disease. The narrowing of the blood vessels caused by high blood pressure causes the heart to pump blood more powerful. As a result, the blood vessels become thicker and this will make it difficult for the drainage of blood throughout the body. Thus, the higher the blood pressure will be greater the risk of heart attack.
What happened when the blood vessel become thicker?
The effect of the blood vessels become thicker it will also result in a person at risk for diabetes. People with diabetes are two to three times the chance of a heart attack. A person aged 35 years or older and have a weight problem are at greater risk for heart disease. Someone who has a hereditary heart disease are also at high risk for the same disease. Heart disease is not well controlled can cause fat deposits continued on the inside of blood vessels and prevents the blood supply to the heart muscle and can cause sudden death. Control measures are necessary to avoid the complications of heart disease. It can be done by adopting a healthy lifestyle. Control your diet. Reduce foods that contain cholesterol, oily and fatty foods and avoid foods that are too sweet and salty.


I welcome you in the blog where we will talk about such original drink as lime tea which useful properties and contraindications were encouraged since ancient times.
So, let me tell you about this ancient drink in more detail. It is difficult to mix gentle, voluptuous aroma which proceeds from this hot drink with any other.
Look at this beautiful fragrant drink: rich amber shade with patches of light yellow and brown, that shade which is inherent in some gemstones, the most beautiful modulation of flowers on light – what can be more beautiful? Observe – and you will see!
From time immemorial folk healers esteemed and deeply respected sacred tree – linden which grew near temples and monasteries, and still it admitted magic tree.
Lime tea has incorporated all advantage and power of this tree. Especially bright natural sweet of drink becomes when you add spoon of honey and segment of lemon to hot tea. Twice curative and vitamin product which will shroud in warmth fan during winter time turns out.
The hot steam proceeding from this drink gently caresses skin why there are goosebumps which disperse on all body … Besides, I will tell you, lime tea eliminates symptoms of cold, warms stomach, fights against abdominal pains, overcomes fatigue.
How it is correct to make tea from linden flowers?
Being competently made, lime tea contains incomparably large amount of vitamin C, and also the glycosides allocated with febrifugal, expectorant and anti-infectious effect. Take bowl of fragrant tea in hand and very slowly drinking it, just enjoy … Restoration of forces after the long working day is guaranteed.
Tea from flowers of linden makes salutary impact on blood vessels, allocating them with elasticity and flexibility, as a result they become strong and healthy.
At failures in work of intestines lime tea will be able to save you, is checked on own experience.
It will give ambulance and at sleeplessness because has the bright calming effect.
Generally, I will tell you, my dear readers, useful properties of lime tea are checked not only by time, but also science. Therefore it is useful for women of all age to use it. It is known that this fragrant drink fully enriches body with phytoestrogen – analogs of women's hormones.
lime tea becomes the irreplaceable friend at rheumatic diseases.
To have opportunity to enjoy really tasty, qualitative lime tea, it is necessary to master elements of its preparation. Fresh lime tea is always nice to the taste, it has soft honey and flower smell, slightly astringent taste, bright magic color especially is evident.
Especially admires versatility of its shades: from saturated bright yellow to reddish!
I know that lime tea turns out cool only when using dry raw materials. So, give with you, dear visitors of my website, we will mentally touch technology of the correct tea leaves of tea.
Everything that is required to be had in use is boiled water and the dried-up linden flowers. Boiled water temperature at the same time should not jump over marks of 90-95 degrees. Otherwise boiled water will kill the most part of useful substances in tea. On cup of tea we will need the one fourth part of glass of tea leaves. To fill in lime florets with boiled water and to allow to infuse within 35 minutes. Pleasant tea drinking in circle of relatives!
You should not be fond of lime tea because its uncontrolled use can threaten with deplorable consequences. It is undesirable to use lime tea which useful properties and contraindications are known to you in the presence of cardiovascular pathologies and diseases of nervous system. At abuse of lime tea sight can suffer, namely – it will worsen.
Next PostHow to understand that you have a stretching leg?


text:
July Movie Previews
Thread: July Movie Previews
If Spider-rman don't save you this July, then Batman the Dark Knight just might.
Ranked by release date:
The Amazing Spider-Man: Peter Parker finds a clue that might help him understand why his parents disappeared when he was young.
Savages: Ben (Johnson), a peaceful and charitable marijuana producer, and his closest friend Chon run a lucrative, homegrown industry-raising some of the best weed ever developed.
The Magic of Belle Isle: Freeman plays Monte Wildhorn, a famous Western novelist whose struggle with alcoholism has sapped his passion for writing.
Ice Age, Continental Drift: Manny, Diego, and Sid embark upon their greatest adventure after cataclysm sets an entire continent adrift.
Red Lights: A film about how the brain does not give a true picture of reality.
The Imposter: A documentary centered on a young Frenchman who convinces a grieving Texas family that he is their 16-year-old son who went missing for 3 years.
Drunkboat: After twenty years of drunken bottles and empty hallways, Mort Gleason witnesses his nephew Moo being beaten while in a drunken stupor.
The Dark Knight Rises: After eight years of struggling with his new status as a wanted vigilante, Batman must contend with newcomers Catwoman and the brutal and villainous Bane.
The Watch: Urbanite's journey as he moves to a suburban community, joins the neighborhood watch and uncovers a large conspiracy.
Killer Joe :When 22-year-old Chris finds himself in debt to a drug lord, he stumbles on the scheme of hiring a hit man to dispatch his mother, whose $50,000 life insurance policy is supposed to go to his sister.


OP is the leading provider of banking and insurance services in Finland for both corporate and private customers. Top-level banking and insurance services coupled with expert solutions are available for your company. For example, we provide payment and cash management services as well as a diverse range of financing, investment and risk management solutions.
"OP offers an extensive range of corporate banking and insurance services for international subsidiary companies. You have access to our services through our dedicated team at OP Corporate Bank."


text:
DRIVER MARKET: Sainz reveals new McLaren contract talks already underway
Lawrence Barretto
Driver market
When Carlos Sainz signed for McLaren, it meant he would be racing for his third different team in as many years. But that deal was different. It was his first multi-year contract, giving stability that ultimately delivered the platform for his most impressive season in F1. So it's perhaps unsurprising the two parties are already talking about their potential future together beyond the end of this campaign…
The Spaniard failed to score in the first three races of 2019, but bounced back with 13 points finishes in the next 18 races, including that superb (albeit somewhat fortunate) podium in Brazil. It led to a brilliant sixth place in the drivers' championship – and that haul, added to team mate Lando Norris' tally, helped McLaren finish fourth in the constructors' – their best finish since 2012.
READ MORE: How far can McLaren go in 2020? 5 key talking points from their launch
He spends a lot of time at the Woking factory, having set up a base around 15 minutes away, which has allowed him to integrate himself quickly, share more time with the engineers and have face time with management.
"Obviously it's not a secret that I'm very happy here at McLaren," said Sainz when asked about his future at McLaren's launch of the MCL35. "There's obviously been some things going on in the background. We started to talk already.
Carlos Sainz and Lando Norris combined to deliver McLaren a best constructors' championship finish in seven years
"We're going to take it easy as we're in February, so there's no rush at all. But I'm not going to hide that I'm very happy here, I have a lot of faith in this project and the way it's panning out at the minute."
Team Principal Andreas Seidl has consistently been impressed by Sainz and Norris, who have developed something of a bromance, and sees no reason to change things up as things stand.
READ MORE: 'It's my baby' – Norris and Sainz on how they helped shape the new McLaren
"First of all we would always like clarity as soon as possible," he said.
"Especially on this topic, there's no rush to make any decisions or announcements. We're just going into 2020, we are very happy with Carlos and Lando, with what they've done last year.
Carlos Sainz: MCL35 'big brother' of MCL34
READ MORE: McLaren's MCL35 revealed as team prepare for 'intense' midfield battle in 2020
"It's important for us as a team to make the next step, I'm sure they can also make the next step from the learnings last year, so I don't think there's any need to change anything moving ahead."
The MCL35 will hit the track for the first time this weekend, when they carry out a shakedown on their filming day before testing gets underway in Barcelona on February 19.
Click here to find out how to watch pre-season testing live.
TECH TUESDAY: How the front wing on the all-new 2022 cars has been designed to improve overtaking
Former BMW motorsports head Mike Krack appointed Aston Martin Team Principal


text:
Tankstation Zaandam-Noord is een onbemand tankstation van Esso Express, gelegen aan de noordzijde van de stadsroute S151 (Prins Bernardweg) in Zaandam, gemeente Zaanstad gelegen tussen  Knooppunt Zaandam en het Prins Bernhardplein. Er zijn slechts vier zelfbedieningspompen en geen verdere voorzieningen.

Aan de andere kant van de autoweg ligt een zelfbedienings-tankstation van Texaco met een winkeltje van Spar.

Zaandam-Noord
Economie in Zaanstad
Infrastructuur in Zaanstad

redpajama_set_name: RedPajamaWikipedia


Mark and Tori are model savers who are seemingly perfectly poised for retirement in a couple of years.
They earn a combined gross annual income of more than $150,000. They have no debt. They have defined benefit work pensions, and they only spend about $2,300 a month while earning about $7,800.
Their children are grown up and independent. And Tori and Mark have managed to accumulate more than $600,000 in investments.
Now in their mid-50s, they are ready to retire. Yet not everything is hunky-dory in this financial Camelot.
Mark and Tori have retirement resources but they need help planning how to withdraw their funds.
"How do we bridge this together?" Mark asks.
Here's their problem: They own a number of investments, including a substantial amount of money in GICs and mutual funds outside of their RRSPs and TFSAs, both of which have been maximized.
But they have little idea of how to use their investments to help generate retirement income.
Obviously, they could benefit from expert advice, but finding comprehensive advice is problematic, too, because their investments are spread out at three different financial institutions.
"We diversified ourselves not only the way we invest but also who we invest with," he says. By their own design, no adviser at one financial institution knows about the investments held at the other places. Now they are questioning this strategy.
"Should we bring things together under one financial institution?"
Retirement income planning specialist Daryl Diamond says Tori and Mark are indeed in the driver's seat heading into retirement.
No debt, good pensions and excellent saving habits have put them there. And these factors will have them on cruise control throughout retirement, as well. Even before they become eligible for CPP at age 60, Mark and Tori will earn enough from their pensions to cover their living expenses.
"Their monthly income target is modest and part of what permits this is that they are not servicing any debt," says the author of Your Retirement Income Blueprint.
Once they retire, it's likely they won't spend much more than they do now, since their current budget already includes about $4,000 a year for vacations. It's safe to say their pension incomes should cover about $2,500 in monthly costs.
Tori will earn $1,840 a month from her pension and Mark will receive $2,170 a month before taxes.
"That alone will create after-tax cash flow of $3,500 monthly, so the base pensions, which are guaranteed and which they can never outlive, actually will provide them with $1,000 monthly more than they have set as their income target."
As they age, those government benefits will kick in — OAS and CPP — and they will have even more guaranteed income.
Prior to age 60, if they need additional cash, they should consider withdrawing from the RRSPs before other sources.
"The reason I suggest this is that they have an opportunity to use the fully taxable withdrawals that the RRSPs would create and bring that money into taxation at low rates, keeping under the first federal tax bracket of $42,709," says the certified financial planner with Diamond Retirement Planning in Winnipeg.
They should make these withdrawals even if they don't need the money. It can be re-invested in their TFSA or other non-registered investments.
Because Tori and Mark already have a guaranteed income stream in retirement to suit their needs, tax efficiency is their main concern. That's why it's important they withdraw from their RRSPs in a controlled manner before they turn 71. Once they reach that age milestone, their RRSPs are converted to RIFs (retirement income funds) and annual, taxable withdrawals are mandatory. This can lead to them paying higher taxes than anticipated and a clawback on OAS and the age credit.
"To complement this strategy, there are extremely efficient and meaningful ways to defer taxes on their non-registered holdings, which they should investigate."
Incidentally, their current preference to invest a substantial amount in GICs would not be part of a tax-efficient plan.
"Having nearly $140,000 of non-registered holdings in GICs is great for the taxman, but not so good for them."
GICs generate interest income, which is fully taxable. Besides, GIC rates barely keep ahead of inflation. Combine those two headwinds and GICs are arguably a losing investment.
That doesn't mean they need to steer clear of them, but a better place may be in their TFSAs, where the interest won't be taxable.
Diamond says one tax-efficient strategy for non-registered money — aside from investing in their TFSAs — is to invest in corporate-class mutual funds. Normally, a mutual fund is considered a trust, and income generated is paid out to investors. That income is taxable in the hands of the investor. But a corporate-class mutual fund is a corporation, which provides a couple of tax efficiencies. For one, a corporate-class fund is an umbrella structure for a group of mutual funds. So you can invest in a Canadian equity corporate-class fund and then switch within this class to a Canadian income fund without triggering taxes. But corporate-class funds also would offer Mark and Tori another advantage.
"A corporate-class structure commonly produces fewer taxable distributions than a unit trust fund," Diamond says. "This is accomplished by having what would otherwise be taxable income being used to offset fees and expenses, and gains offset by losses."
Diamond says Mark and Tori certainly can execute a tax-efficient retirement income strategy on their own, but a good adviser will likely make this process easier and less costly in the long run.
Having three different advisers oversee separate parts of their portfolio, however, probably won't achieve this goal.
"It is like going to three different doctors and not giving them all of the information on your health," he says.
Ideally, Mark and Tori should seek the help of a financial planner who can build them a comprehensive retirement plan. This advice isn't free. They can choose to pay a planner a flat fee, which can run a few thousand dollars for a complete plan, or they can make the planner the adviser of record on their invested funds so he or she is compensated by the fund companies through trailer fees. They're already paying three financial institutions fees on their investments for no planning help, so they might as well consolidate and pay fees to one planner for comprehensive advice.
"Overall, retirement-income planning can be complicated stuff, and it is not a case of people not being able to do it on their own," he says. "It is a case of people not being able to do it as efficiently as it could be done and paying far more in taxes than they ever would have paid in fees."


Make a surprising seem with your Glass Contact Lenses. These white contacts fully protect ones pure eyes coloring, in order that they conceal possibly dim observation colours. The result is absolutely crazy these lens are ideal for Halloween costumes.
Glass Contact Lenses make it simple to create a freaky look. Elevated top quality contact lens come in a choice of types, by prevent tones to Halloween parties upgraded lenses, terrifying models along with freaky outfit contacts Glass Contact Lenses are light-weight, soft and comfy to help wear. His or her 38% water content material ensures that your particular sight keep yourself hydrated as well as experience fresh many day.
Most natural tinted contact lens are meant to simulate the particular eye on the eye. The actual eye means shaded the main eyes, is often not really just one single reliable colouring and is particularly preferably made from a number of styles, strains and dots. It is really one of the reasons Glass Contact Lenses offers one particular, a pair of and also about three ripped contacts and so providing an all-natural look. Nevertheless wearing tinted acquaintances would make an impact to your eye color, greatest results will vary determined by what exactly ones normal observation color is. In this post, i will take a look at what colorings performs best in your eyes.
Non prescription tinted contacts ordinarily are available in some different types: presence tints, opaque tints along with medicine tints plus its commonly believed that should you have dark colored little brown eyes people comes for opaque colored lenses. Opaque contact lenses will probably fully wipe out the original shade, whereas when you have mild coloured face you can choose enhancement lens which often will bring your hues of the eyes along with add more definition.
The key reason all people loves Glass Contact Lenses so a great deal is they design your face be noticeable beautifully. Witnessing as you can transform nice hair colouring, fingernail color plus lip color to suit your type along with choices, why not change your the color of eyes way too, particularly when it can be perfectly risk-free to accomplish so. Glass Contact Lenses don't just simply ought to be pertaining to make-up performers, products and famous actors, some people put them on to get special events for instance marriage ceremonies or maybe for a particular date along with friends. Glass Contact Lenses can reprogram your overall glimpse in addition to create your sight wholly mesmerising.
We've checked out a variety of different facets in addition to how they can effect on the look and feel specially when it comes to eyesight, skin and hair colors. At this point the for you to decide, do you want to differentiate themselves from the particular crows having a striking new look and also select a more understated appearance with Glass Contact Lenses that match using your coloring.