Mike Haynes offers a tribute to revolutionary socialist thinker and organiser Colin Barker, who inspired him and many others to seek to understand capitalism so that it might be overcome and consigned to history.
Translation of Fiery Sounds of Prophetic Strings by Nick Evans.
I first encountered the International Socialists (IS) as a student in south London in 1969-1970. I can’t remember exactly when I joined. I had been a fellow traveller for several years – but it must have been in 1973-74. The focus of the IS at the time was on the working class and the importance of arguments about pay and productivity. This differentiated it amongst other groups originating in Trotskyism and meant that the short book that Colin had written on incomes policy with IS founder Tony Cliff was required reading. But I did not meet him in person until the first of the what came to be annual Marxism conferences in 1977 or perhaps later. I did not know him for as long as some people who may read this, or know him as well as others. We only saw each other very intermittently. But I followed him closely.
In Colin’s last months I had a clear out of some papers and put all of those long-unpublished essays I had from Colin in a folder. The earliest were typed. Then there were essays on the first personal computers – long printouts with perforated pages. Then came the neater ones printed with inkjet printers. Finally, there were the more recent ones (and newer versions of old ones) printed on laser printers. I put a photograph of the folder on Facebook hoping he would see it, with a message telling him that I was still following him. He replied straight away, saying ‘I thought I was following you’.
Three things are important for me about Colin’s ideas, and I hope in different ways to be able to continue to build on them. The first is the centrality of the idea of state capitalism for making sense of capitalism. To those outside of the old IS tradition, talking of the importance of state capitalism for an understanding of Colin’s contribution will seem a little crazy. State capitalism is thought of as a special theory of Russia after the degeneration of the 1917 revolution and its satellites in Eastern Europe which formed the Soviet bloc. At worst many see it as totally confused. At best they see it is an attempt to solve the problem of the nature of the Soviet Russia by a crude analogy that relates state and military competition to economic competition. Either way, it is only of historical interest now.
Colin wrote a lot on the former Soviet bloc but he saw the idea of state capitalism as something much bigger. He thought it was an essential part of our understanding of capitalism – past, present and possible future. Russia was a special case but a special case of a state capitalism that was implicit in the capitalist system. Three things flow from this that Colin analysed.
Each of these arguments is still anathema to many on the left. The over-rated Political Marxists have tried to build their own arguments in denial of each of them. The concept of state capitalism and the logical conclusions reached through it sets it against both orthodox Trotskyism and of course Soviet-inspired ‘official’ communism. But for Colin I think they were central, and they are for me too.
The third big thing I got from Colin was the importance of engagement. One aspect of this was the need to connect with people whether in writing, speaking or just conversation. To engage, you had to be engaging. Colin was always engaging, you were always interested, captivated. He was always interested in you and never belittled you. I remember Trevor Ngwane from South Africa, who is also a musician, saying that to speak in a meeting with Colin was like speaking with a jazz master. You never needed to worry about making a mistake. The master would always find something positive to develop out of what you said.
So, these three things – state capitalism and its implications, the importance of connections and finding the links and the need for engagement stand out for me when I think of Colin.
How can I sum up Colin? Colin knew that as socialists we have been living in difficult times for some years. His optimism remained. As I thought about this, the idea of a spark of light in the darkness came to me and I remembered that Iskra – the name of the early Russian revolutionary newspaper – meant ‘the spark’. The paper had a line of poetry which said, ‘From our spark a flame will arise’.
This is a line from a poem by Alexander Odoevsky. Odoevsky was a Decembrist, the Russians inspired by the French revolution who in 1825 revolted against their absolute ruler the Tsar. The Decembrists lost. Some lost their lives, some lost long years in prison, and for decades their memory was lost too. Odoevsky died young in the Caucasus region of Russia and his poems were not published until decades later. In 1828 Odoevsky received a poem from Alexander Pushkin, the great Russian poet. Pushkin had sympathised with, but not joined, the Decembrists and Odoevsky appeared to think his poem not sufficiently positive. It had a line, ‘Your sorrowful labour will not be in vain’. In reply Odoevsky wrote a poem from which the line about the spark comes. Odoevsky’s short poem, written in 1828 or 1829 probably in Chita Prison, is called Fiery Sounds of Prophetic Strings.
But acquired only chains.
Will gather under its holy banner.
And light once more the flame of freedom!
Although I hope Colin would have appreciated having the poem in English it doesn’t feel the right note to end on. I find myself seized by Barkeritis. Who was this Alexander Odoevsky? Find out more – look for the connections. It turns out that he was a friend of Mikhail Lermontov – one of the greatest figures in early nineteenth century Russian life, who was killed at the age of 26 in a duel. Lermontov was rather like a Russian Keats or Byron. His single ‘hit’ novel is A Hero for Our Time. When Odoevsky died in 1839, possibly of typhoid or typhus while in forced military service, Lermontov wrote an appreciation of his friend. As a tribute I don’t think I can better it.
And threw his heart into life’s noisy sea.
Ooops ~ please correct my typos!
PS. Only met Coiln fairly recently, at a 40th Anniversary event of the ANL/RAR Northern Carnival, where he spoke from the floor [and I handed over 2 original posters, one for the said Carnival, the other my last Hull RAR fly-poster ~ for an archive they have there].
I’ve also lent Rob lots of rare 1930s and 1940s material. Which he has always returned promptly. It’s important to get this material on line to reach a worldwide audience 24/7.


So, you have decided to enter the world of professional vlogging. This is a great way to make extra money, and many people can earn a full-time income by producing their own YouTube videos by best vlogging camera under $200. All it takes is hard work, determination and the right tools for the job.
However, you don’t need a tonne of equipment to get started. Your initial costs can be minimal if you know what you’re looking for regarding gear. It’s also essential to remember and understand that expensive equipment doesn’t always necessarily mean it’s better
1 Gear You will Need for Vlogging
2D
5 Canon PowerShot ELPH 180 with 20.0 MP CCD Sensor and 8x Optical Zoom
8 Sony DSCW800/B 20.1 MP Digital Camera
11 PowerLead PL2803 2.7inch 18MP Mini Digital Camera
14
17 Panasonic DMC-TS30K LUMIX Active Lifestyle Tough Camera
19.1 Vlogging camera under $200 Conclusion
Gear You will Need for Vlogging
Computer – The best way to store and edit your vlogs is by using a laptop or desktop computer. Another option is the iPad Pro if you don’t have time to sit down at a computer for editing, sharing, etc.
Software – Along with a computer, you’re going to need a good editing software package. If you really want to have professional-quality videos, you need professional editing software. One of the best platforms is Apple’s Final Cut Pro X.
This is great editing software for beginners, because it’s a lot easier to use than other competitive software, and you can use it with your tablet or phone as well as a computer.
The one downside I did notice was that there’s a slight delay when using the macro focus feature which clocks in at around five seconds. So, if you were taking a picture of an insect, for example, it has a lot of time to fly away before you can capture that picture shot.
Video Recording – You can enjoy shooting in full-HD 720p with a camera that has a built-in microphone to capture sound so you can save money by not having to invest in an additional microphone.
Design – The ergonomic design allows you to hold onto this camera for extended periods of time comfortably. Additionally, all the controls are located in easily accessible locations.
LCD – The large LCD-display allows you to compose shots and monitor videos effortlessly while you’re recording. You’ll also be able to review your photos and videos directly through the device.
Widescreen – Shoot outstanding full-HD 720p videos in widescreen format. This allows you to capture a lot more detail and really bring your vlogs to life.
View Price And More Reviews
For a pocket camera, this is ideal. I borrowed one of these cameras from one of my photographer friends andlf. It may not be as fully-featured as some of the other cameras on my list, but it definitely packs a punch as far as a digital compact camera go.
If you’re working on your vlogs in your house or studio,bit more of a quality image and has more features. However, when you’re out and about, it’s much easier to simply keep this in your pocket, ready to go at a moment’s notice.
Some of the more beneficial features include:
HD Video – Shoot in 720p HD video simply by pressing the dedicated movie button. Your videos will be sharp and lifelike, perfect for vlogging.
You may not have the image quality and features that the more expensive DSLR cameras have but, the 20.1-megapixel resolution and 5x Optical Zoom is more than enough to record full-HD vlogs that your followers will love.
Easy Mode – This camera is made to be ideal for beginners as it allows you to shoot in easy mode. This means you can reduce the layers in the menu so you can shoot easily and without distraction.
Battery – It’s easy to charge the battery using the included USBPC USB port or a power supply, and you can charge from anywhere, even a portable battery pack.
In-Camera Guide – We love this built-in instruction manual that lets you check out all of your camera’s functions, even while you’re on the go.
See More Over On Amazon
I can’t recommend this camera enough. As a mini-digital camera, of course, it won’t have all the features that a $600 DSLR will have, but for this price tag, you won’t find this level of quality or functionality anywhere else.
For beginners, it can be a bit of a learning curve as the layout and the menus, etc. are slightly different to traditional cameras, but with a couple of hours practice, this will no longer be a problem. One problem I did find is that the built-in screen isn’t high-quality so pictures and videos may seem fuzzy but once you upload them to a computer, you’ll realize they’re still an acceptable quality for your vlog.
Some of the main advantages of this device include:
Cost – This is a low-priced, entry-level camera that’s ideal for someone who’s just getting in vlogging industry and doesn’t have a huge, lucrative budget.
Accessories –side the box, you’ll find a USB cable, a driver disk, a charger, and the user manual.
None – So far, the complaints we hear about this camera are so minimal they almost aren’t worth mentioning. The only real issue is that it’s not a plug & play device.
The Kodak PIXPRO Friendly Zoom FZ43 is a 6MP digital camera that offers a 4X optical zoom. The 27mm wide-angle lens lets you capture full scenes in great details, and you can easily see everything on the 2.7-inch LCD screen.
This is one of those cameras you can simply pop in your bag or pocket and take with you wherever you go. As far as vlogging goes, tould make a great, affordable addition to your camera inventory. However, for in studio recording, you may find it much more effective to have a more dedicated video camera.
HD Video Recording – Take full advantage of one-touch video recording with 720p HD video. You can grab frames instantly and turn them into awesome
Optical Zoom – You’ll be shooting with a 4X optical zoom, with boasts a focal length of 27mm-108mm. This is a wide-angle lens, so you’ll be able to fit more into each frame.
Scene Modes – This camera has 23 unique and engaging scene modes including Anti-Shake, Auto Scene, Landscape, Sketch, Night Portrait, Party, allowing you to get really
Value – This is an affordable camera that simply excels in getting the job done. For a first vlogging camera under $200, this camera is simply
The Panasonic CMD-TS30K LUMIX active lifestyle tough camera is ideal for vloggers who are recording lots of action. There is an extensive collection of cool effects that you can use, enabling you can to get really creative with your videos and photos.
Pa ‘wow, that’s amazing!’
You’ll be able to enjoy features such as:
Waterproof Design– You can capture all the fun in your favorite water sports thanks to this device’s waterproof design. You can take this camera into the water up to 26-feet deep. This camera is also shockproof to 4.9 feet and freezeproof to 14°F.
Creative Control – You’ll have total Creative Control directly from the recording mode. You’ll also be able to benefit from the innovative Creative Retouch settings, found in playback mode.
Torch Light – Even if the conditions are dark, you’ll be able to use the torch light to get great videos, even when you’re underwater.
Not Waterproof – Even though this camera is supposed to be waterproof, some users have reported that it’s actually not as the gasket seems to be ineffective.
Vlogging camera under $200 Conclusion
Taking your first steps into the world of vlogging is loads of fun, and, f
The cameras we looked at today are all great choices when it comes to creating first vlogs, and you may find one that you like so much that it remains your first choice for a camera for many videos to come.
If you want to create vlogs with just your smartphone, check out this article here
Filed Under: Vlogging Cameras Tagged With: Budget Cameras, Buyers Guide, Cameras, Daily Vlog, Money Saving, Vlogging Equipment


, boasting more than 100 consecutive years as a top flight club since they were last promoted in 1919.
The Gunners have had several golden periods over the last century, first dominating English footballStill, Arsenal won one-off league titles in the 1940s, 1950s and 1970s, with the arrival of George Graham as manager in the 1980s delivering another more concentrated period of success.
Indeed, Arsenal were arguably the last dominant force immediately prior to the start of the Premier League, claiming two of the last four First Division titles – including the dramatic 1988/89 title when an iconic late Michael Thomas goal pipped Liverpool to the championship.
Arsenal initially struggled to maintain their pre-Premier League dominance once the new breakaway competition was created, finishing 10th in the inaugural 1992/93 season.
They continued to yo-yo between top five and mid-table finishes for a few more years under a succession of managers, but things changed enormously when Arsene Wenger arrived in 1996.
The Frenchman revolutionised not only Arsenal, but English football as a whole, with new ways of thinking – particularly in terms of scouting, training and diet. He delivered Arsenal’s first league title in nine years in 1997/98, his first full season in charge, and completed a domestic double.
Wenger’s initial success came with a largely inherited team, but by 2001/02 he had properly built his own side with significant French influence,establishing themselves as world class players. That season saw another league and cup double.
See also The five Manchester United players Rio Ferdinand has singled out for criticism
Wenger’s greatest triumph came in 2003/04 when his side became the first since Preston in 1888/89 to complete an entire top flight league season without losing a game.
Over the course of eight years at the club’s peak under Wenger, Arsenal never finished lower than second in the Premier League from 1997 to 2005. But with financial constraints relating to the building of the Emirates Stadium and the rise of both Chelsea and Manchester City, the Gunners haven’t been crowned Premier League champions since 2004, or even challenged since 2008.
To date, Arsenal have won three Premier League titles in the post-1992 era.
Arsenal league titles:
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Grantee Perception Report: Positive Feedback, but also Room for Improvement
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Honor Evidence-Based Practices, But Make Room For Innovation
The Duke Endowment'Evaluation during the implementation stage may include progress reports by grantees and site visits by Endowment staff. For major projects, we also may contract with external consultants to provide granteeack how their project is unfolding and to make mid-course corrections.
F
Focusing Externally and Internally
The Endowment has a role in measuring and supporting the effectiveness of the programs we fund. Our work includes planning, implementing and assessing our own overall grantmaking strategies, which may encompass many individual projects and continue over several years. Responsible use of our resources requires that Trustees and staff regularly re-examine these grantmaking strategies to see that they remain grounded in our founder's Indenture of Trust but are also relevant to the changing contexts of the people and institutions of North Carolina and South Carolina.
The Duke Endowment's Six Guiding Principles for Evaluation
We use a mix of evaluation methods. For evaluations of grantee projects, method choice follows evaluation purpose, which follows purpose of the project.
The Duke Endowment commissions evaluations for several reasons. We sometimes support evaluations as an integral part of an overall grantmaking strategy for an area of work. For example, evaluations of innovative technologies or programs may help build evidence about what works or expand a field.
Southeastern Council of Foundations and MDC
Full Report: Evaluna
Assessing the impact of locating relatives of children in foster care.
Sharon Vandivere, Karin Malm, Child Trends
Executive Summary: Thriving Rural Communities Initiative Summative Evaluation Report
Sally Leiderman and Stephaniet


By Administrator on April 5, 2016 in Media Releases, News
The Federal Justice Minister, the Hon Michael Keenan, has toured Eastwood at the invitation of local MP John Alexander.
The Minister spoke at a Community Crime forum held at St Phillip’s Church, Eastwood, before inspecting progress on the CCTV camera works ongoing at the Glen St Car Park, then heading across the tracks to meet community representatives.
The Minister also praised our local police force, noting that Ryde Police has the best rate of catching burglars in the state.
John Alexander MP praised the Minister. “Minister Keenan is a wonderful member of the Liberal Government team, who has taken charge of justice and security at a time of great challenges. He has met these challenges with grace and is working hard to ensure residents of Bennelong and people across the country live their lives in safety and security. It was a pleasure to welcome him to Bennelong to talk to locals, and to see the results of the government’s $200,000 investment into the welfare of the people of Eastwood.”


I think they had some form of blog category last year as well, though they may have lumped blogs and personal sites in together.
Charging â‚¬150 for blogs to enter is ridiculous. It’s hardly going to be the best of blogs if that’s the case.
I’ve argued (discussed) the entire money side of things with them at length but they just don’t get it.
If the awards were surviving based purely on the nomination fee it would be one thing, but they aren’t.
The awards have a headline sponsor (Eircom) and sponsors for each and every category PLUS the nomination fee PLUS the entrance fee on the night.
Sounds like the IFTAs.


Any adult that trick-or-treats without a kid in tow is going to get some major side-eye from everyone on the block. But that doesn’t mean grown-ups can’t enjoy a sugar high on the ghoulish holiday, too. If you’re hosting a Halloween bash this year, treat your guests to something better than a plastic pumpkin stuffed with drugstore candy. Whip up a few of these boozy dessert cocktails—they’re guaranteed to satisfy even more than that fun-size Snickers.
The Ultimate Spiked Pumpkin Spice Latté
The PSL is a love-it or hate-it autumnal staple. But no matter which camp you’re in, you’ll love this bourbon-spiked homemade version. Just the right amount of sweet, it contains real pumpkin and is made with whiskey barrel-aged coffee—perfect for a Halloween brunch or midnight pick-me-up.
Forget about the overly sweet vodka versions from the 90s—our Chocolate Martini is a balanced mix of rum, homemade chocolate liqueur, a touch of raspberry liqueur and Ramazzotti Amaro. It’s the perfect combination of bitter, sweet and spicy.
Fans of the Italian dessert tiramisu will love this cocktail, ladyfinger rim and all. A staple on the menu at The Bar Room in NYC, it’s a light but silky mix of vodka, Patrón XO Cafe, nutty Frangelico and honeyed Drambuie.
Aperol and ice cream make this after-dinner concoction perfect for warmer weather, but that won’t stop us from drinking it all fall long. Created by Allison Kave of Brooklyn’s Butter & Scotch it’s a grown-up ice cream float that you’ll want to drink by the dozens. Just add a straw to make it mask-friendly.
One sip of this elegant take on the already elegant Martini and you’ll wonder why you ever scoffed at dessert cocktails in the first place. It’s smooth, simple and just the right amount of decadent. Guests with a sweet tooth will love it, and those without one won’t be afraid to try it.
Though you might associate blueberry crumble with long summer days, this boozy ode to the classic dessert is perfect for sipping anytime of year. Amaretto liqueur, blueberry tea and a homemade brown sugar cinnamon syrup will envelope you in sweet spice on even the chilliest of days.
If you can’t get enough of banana splits, you’ll be happy to know that the childhood-favorite tastes even better boozed up with Hennessy. Whip up a batch after a hard day of handing out candy bars to the neighborhood rascals.
Banana Toffee ice cream
Champurrado is Mexico’s dreamy version of sumptuous hot chocolate, and we decided to make the classic treat even better with a double dose of booze. Spicy Ancho Reyes Ancho Chile Liqueur and creamy RumChata join forces to give this hot-tail a rich, irresistible flavor.


Cary or fallopian tube or fallopian tub or fallopian tubbes; or (2) the capsule (outer covering) of the ovary ruptured (broke open) before or during surgery; or (3) or in washings of the peritoneum (tissue lining the peritoneal cavity).


Its all fey, girl meets boy stuff putting one in mind of hairclips and old bookshops and dancing whilst looking at your feet.
Hell, there are twenty musicians contributing to this album, that's Phil Collins territory is it not? (not that this record bears any resemblance to anything put out by the Mouth of Sauron, but sometimes you've just got to point these things out).


I support the moral right of every human being to health care. I don’t want to see toddlers dying from sepsis because of a playground injury, women dying in child.birth in their parents living rooms, or pandemic death and paralysis from polio due to a failure of funding for actual health care and the public health infrastructure.
But universal health insurance is no guarantee at all of universal health care; they are not the same. A case study in point could be the expensive, highly profitable, and required student health insurance policies that Aetna and others foist on students in the UMASS system. As the Globe recently exposed, 40% or more of those required payments for health insurance go to profit, not health care.
Our family has personal experience with this fake health insurance for public university students. Our son is too old to be on our policy (which itself is only affordable via COBRA as my husband’s unit where he once worked was outsourced and he has been unemplyed since May – another issue entirely I grant). Therefore, in order to enroll at UMASS, he was required to buy “student health insurance” at a far higher cost than any connector policy. Even when he had bronchitis, the student insurance and health center could not treat him; he went to his old internist and so far, the bill is not paid. The “connector” won’t cover students, and the Universities require “their own student policies” or you cannot enroll and hard earned student dollars or federal student loans go direct into the pockets of Aetna and its CEO who earns $24 million dollars. Remember, at least 40% of those premiums are straight profit!
Health care is certainly NOT the same as the exhorbitent so-called student health insurance that UMASS students must purchase or be barred from enrolling.
Health care dollars that come from taxpayers should go for health care, not for profits for the health care insurance industry which only exists to enrich shareholders and the corporate elite. Remember health care is NOT the same as health insurance.
Bailout dollars should only have gone to pay workers to work catching up infrastructure repair and the like, with the minimum adminstrative structure to oversee that work and avoid waste and graft. Bailout money should not go or have gone into the bottomless coffers and 140 billion in bonuses for rapacious banksters and corporate neobarons.
The reason General Insurance Corporation (GIC) consistently outperformsthat its CEO earns a modest state salary – not tens of millions like AETNA’s CEO and other health insurance CEOS. GIC exists solely to provide health care, not health insurer profits. GIC is not running a sucker bet to gouge fearful consumers; remember, the goal of every insurance company is to take in more than it pays out by the greatest margin it can get away with!
Of course, those unions whose CEOs earn more than a million dollars paid for by member’s dues, and whose pension funds hold investments in the health insurance industry stocks may have a conflict at their highest levels as a result. That or tenacious student journalist.
I sure wish UMASS students were covered by GIC not Aetna!
Thank you, again, AmberPaw.
p>Acry person in America.
p>Single-payer government-sponsored universal health care is the only outcome that works.
…the more convinced I become that single-payer really is the only right way, but event. Frontline re-aired a program the other night that investigated the systems of the UK, Germany, Japan, Taiwan, and Switzerland, the last two actually being relative newcomers to the universal coverage practice. The correspondent was trying to see what we might learn from other systems. Taiwan DID officially look at other systems when trying to figure out its own, but I’m afraid we couldn’t do that because that would involve (gasp!) acknowledging others might know better than we do. In each country the correspondent asked a top government health official whether anybody ever goes bankrupt due to health costs and pretty much got laughed at every time!
the German system is the best model, with the public option being what transitions us to it.
Can’t we take a few representative states and try the public option? The Commonwealth Connector has been an innovative experience with many commonalities to the public option being proposed. What is the result and what are the long term effects? Let’s not break the system which works for so many with no knowledge of the new system. Lastly, I no see much in the way of cost controls in “any” of the reform proposals.
p>Positive – I’ve heard 97% of our population is now insured, by far higher than any other state.
p>Negative – Mandated pay for coverage like car insurance, whereas I would prefer it just be there for you like public education K-12.
What it shows is that medical insurance loss ratios (the ratio of premiums collected to claims paid out) have dropped from 90+% in the early 1990’s to around 80% today.
p>The remainder (around 20% of premiums paid in in recent years according the article you cited above) goes to administrative expense, marketing and profit.
p>Administrative costs are significant for health insurance -companies need to qualify and sign up providers, process and adjudicate claims, send checks to the providers, review utilization, provide customer service support to the providers and members participating in the plan, hire underwriters to analyze expected claims costs and help them price their plans so that they don’t pay out more than they take in, and maintain sales and marketing staff to sell their plans in competitive marketplaces.
p>The article indicates that medical insurer profits range from 2-10%. These are not outrageous profit margins – they would be deemed anemic and poor profits in many industries.
p>I don’t defend some insurance companies’ bloated CEO salaries or aggressive utilization management practicem. I’d just point out that for-profit health insurers are operating in the margin between the premiums they take in and the medical costs and fees they must pay out to doctors, hospitals, pharmacies, medical device suppliers, imaging centers etc. for each service, procedure or supply they provide. Those medical costs and fees have been steadily rising. An answer to the health care cost problem must address overutilization of services and the profit motive amongst providers – doctors paid by the procedure not surprisingly have not just an incentive but also the tendency to perform more procedures – whether they improve the health outcomes of their patients or not.
p>Single-payer (the government or a single insurer pays all claims) does NOT solve the problem if all of the care providers remain for-profit entities. All of the administrative costs, except the small percentage involved in sales and marketing, remain needed – the whole infrastructure needed to qualify providers, process claims, send checks, provide customer service.
p>Rising health insurance costs are a symptom, not the root cause, of rising health care costs. This is true whether health care costs are paid by many insurers or a single-payer system.
p>I think it’s a fair question whether health care should be a for-profit enterprise at all, but if you think it shouldn’t, you need to address not just the for-profit insurers, but also the for-profit hospitals, docto
…and per an investigative report by the Globe, the Aetna student health insurance had 40% profit rates.
A loss ratio of 60% doesn’t mean the company has 40% profit, it means that it pays out 60% of premiums in claims costs. It still must cover administration and overhead. Realize also that a company with very favorable loss ratios is vulnerable to competition. Some other company that can keep administrative costs lower can offer lower premiums.
p>I tried to read the Globe piece you cite, but the link does not go to a specific health insurance piece.
Although it doesn’t use the term, I suspect this article about student health coverage at colleges is also referring to loss ratio.
The reportt, on average, 30 cents of every premium dollar goes toward profits and administrative costs, compared with 12 cents for plans sold to the general public. The remainder of the premiums is what’s used to pay medical bills.
p>This doesn’t mean these companies are realizing 30% profit. It’s saying that 70 cents of every dollar in premiums pays medical bills. The rest pays for everything else: the call centers, administrative personnel, the insurance cards, the IT systems, provider credentialing, provider network management, utilization management, underwriting, sales, marketing, management.
p>It makes sense that student insurance would pay out less for medical bills than medical insurers overall since young people are healthier.
p>The Globe piece also is underscoring the point I made above about health insurance companies’ profits in general – the article notes that plans sold to the general public typically spend 12 cents of every dollar taken in from premiums on administrative costs and profit.
p>I think the healthcare debate is often marred by poor understanding of the role of insurers. There are fair criticisms of insurers – for example that they have a financial incentive to drop poor risks, such as pen’t driving the increases in health care costs. Insurers through their analysis of utilization and monitoring of outlier providers actually act as a check on the real drivers of health care costs – for-profit and defensive medicine.
Not being familiar with the industry the chart of numbers is by itself pretty meaningless. If most of that money is lining executives’ pockets while they cry poverty and try to excuse denial of care then the answer to your title question is an emphatic yes.
but why don’t a large group of liberals who disdain the evil insurance companies so badly simply start up a new insurance company… call it Citizen’s Insurance. You could make no profit and pay the people a fair wage. Make sure the person heading up this behemoth company gets paid no more than 4x the lowest wage earner in the company. Which means you will have to pay the CEO a very low salary OR you’ll have to pay the person cleaning the men’s room $100/hour. The make sure you insure anyone who applies (no preexisting condition considerations…) and have a very low copay (maybe $1) on any service including prescriptions. Throw in free abortion coverage and free medical care for illegals just to piss of the conservatives! I think you could do it.
p>Maybe you could even hire Charlie Baker as a consultant to get it started! Don’t expect too many investors since most of the liberals I know with any money invest in companies who make profits (like oil companies…). You could get free advertising on Air America… but nobody really listens to that… or MSNBC but that has the same lack of viewers.
p>PS When are you going to open up the “People’s” oil company?
…but, sarcastic parts aside, I could support others doing this. I’ve suggested before that other businesses also adopt this model AND advertise that they do it, so people will have a socially conscious option for where to take their business. I never said don’t get ANY profit, BTW, but it wouldn’t be something outsiders invest or hold stock in via an IPO. The money would come entirely from consumers, not shareholders. I believe this is similar to utility co-operatives where the profits go directly back to the people.
First because it would operate with huge losses every year.
p>Second, because it would require customers to pay more than charged by BCBS and others which means liberals would opt for the cheaper option. This business case would not be very different than the case of opening a “liberal-friendly” alternative to Wal-Mart… and that store staying in business.
‘”Liberal-friendly” alternative to WalMart.’ It’s name is Costco, and it’s a big reason Walmart was forced to close out their “Sam’s Club” wholesale investment.
p>The whole “Why isn’t X done? Because I say X can’t be done” routine isn’t exactly stunning reasoning.
I wasn’t familiar enough to come up with an example, so I am glad you did.
Just not quite as big profits. You’re implication that the absence of obscene profits equals no profits at all defies all logic.
What do we do if they go over (Apple’s next IPOD is a smash and Apple posts a 30% profit margin… punish them!)? How about if they lose money, does the government have to compensate them for the loss? Stay out of their business and let them run themselves… Capitalism!
The numbers per se aren’t my problem, though any company that is successful should make sure its wealth is shared with ALL of its employees by paying them decently and not concentrating wealth at the top. I don’t care if a company like that fails either, but you don’t get that there’s more to society than business. This is a health care thread. People are left in dire straits by the malfeasance of that industry. You seem to think that the bottom line is the only thing important then you wonder why I suggest that you really don’t care if some people aren’t covered. Every other comparable country gets that so we have no excuse. It is WRONG to make profit by denying people care – period! Making profit by providing the best quality of care is much better. I will absolutely NOT engage about what specific number is too high to be obscene, but like was once said about a different kind of obscenity I know it when I see it.
p>Not if I owned that company. This isn’t the People’s Republic! Wealth goes to the people who risk their wealth to start and operate a company.

p>Why are you so fixated on other countries? They don’t matter.

p>”Yes”. They have a fiduciary responsibility to the stock holders and no responsibility to humanity.

p>I’ll try this again… go start a company and operate that way. Go make a product which competes with a company from China and see how long you last. Have you seen the exodus of companies from MA becasue of our great taxation and business costs? Go ahead and start Christopher Inc and operate in the manner you describe. See how long that lasts.
p>That sounds like something I would say. But you can’t say that. We run our lives by rules… We don’t have a tax code which says you pay 20% taxes but he pays 10% taxes because he’s a nice guy. There was much debate last year about the oil company profits and I was 100% ok with their profits but people wouldn’t acknowledge that as a percentage they were normal.
I wish this were an email exchange so I could respond interlinearly, but I guess I’ll do the blockquote method.
p>Where exactly did you get that wealth? Your initial investment is great, but how does your company make money? It’s from the labor at the bottom of the corporate pyramid, without which you wouldn’t have a business very long and lose your whole investment.
p>Fundamentally disagree. We absolutely can and should learn the best practices of what works. Plus as long as we expect employers to cover health we put our businesses, and by extension our country, at a huge competitive disadvantage.
“p>If you seriously mean this then we have nothing to discuss. There should be no stockholders in a health insurance company except possibly the people as a whole. This is a moral obligation, plain and simple. Anyone who just wants big profits should find another line of work.
p>I am a bit more optimistic than you are that such could work since I would go in with goals other than to see how fat I can make my own wallet. I would also advertise that I do business differently because some consumers want a socially-conscious option. I think if I slash overhead and don’t have shareholders I could even sell American and pay my workers a decent wage. That being said, it is precisely because the market itself might not sustain it that government needs to come in and put its thumb on the scale on behalf of capitalism’s victims.
p>We do need rules, but you are being oversimplistic (what a shock!) We could easily write the tax code to tax at different rates depending on various circumstances; one example might be a tax credit if your company pays every worker at least twice minimum wage. I’d even consider a law prohibiting say the CEO of Wal-Mart from making more than 100 times that of the lowest paid associate. This would in no way discourage reaching higher; it would just mean acknowledging the associate in his small way assisted in your success.
I will answer after I attend another meeting but you may be on to something. But I think we have a fundamental disagreement on the goals of a private company. Companies are created to sell something and make money. They are not created to employ people. Many companies are competing oin the world market by employing fewer and fewer people (including the use of robots and other specialized machinery). You seem to think the purpose of a company is to provide a good working atmosphere, a good wage and wonderful benefits. From this foundational disagreement, we may have a hard time arguing the details.
But I appreciate seeing some passion in your words and having a good honest go with no/little attacks on each other. I’m more jaded while you are more hopeful.
…that in our system companies are designed and expected to make money. I guess what I’m saying is that especially when it comes to essential services such as health we as a society have to completely rethink those expectations. I’m starting to crystalize the fundamentals of this equation in my own mind. If the market exists to make money and the government exists to help people, both of those working in tandem should be able to create a reasonable equalibrium creating the best combination of circumstances that will neither leave anyone behind nor hold anybody back. Depending on the need vs. want paradigm some things may lean toward government and others toward the market.
Is a public health clinic expected to turn a profit? How about a hospital emergency room? A hospital in general?
p>On a related note: is the American system of basing decisions purely on quarterly results a good thing?
JohnD isn’t celebrating free market capitalism so much as Victorian era, who cares if a few folks die in the poorhouse as long as I’m making money, greed.
…you are once again solidifying the case FOR government regulation of these industries since according to you having someone initiate this in the market wouldn’t survive.
simplistic niave view of the world… and the business world. Insurance companies are not “evil”, they are businesses.
MINNEAPOLIS – New recommendations from a government task force say women should wait longer to do breast cancer screenings. The guidelines weret panel of doctors and scientist says  instead of wait to do them every other year once they turn 50.
p>Now, most insurance companies will cover examinations based on the recommendations from the government on annual physical exams, cholesterol, PSA… and you of course can get more frequent exams, but on your nickel. So what will happen when BCBS starts to go by the latessaying you should wait till 50 for a breast exam? I think insurance companies should stop covering breast exams immediately and put the money on more effective treatments and preventive care options. This would save a huge amount of money which so many of you believe we need to do.
Everyone else involved seems to be pushing back on this. Insurance companies are currently business, but they shouldn’t be, at least not in the same category as others. They should be heavily regulated precisely because the market alone can’t do it. Market is just one side of the equation and government needs to step in as a check and balance. You claim something won’t work because it won’t work in an unfettered market and on that point you may well be right. That is the cue for the government to step in and FORCE it to work DESPITE the market. That is what government is for – to assist and protect those people who cannot hold their own against the forces of a tyrannical market.
p>”The
p>”
p>”
They should examine the data further and either do something or don’t. She’s just punting. If self exams and mammograms are truly a good early detection of breast cancer than they should not only continue them but actually step them up. But if the data supports the U.S. Preventive Task Force then they should change policy and save money. The “feel good” aspect of the existing program is meaningless from a diagnostic standpoint.
p>I did hear someone say that increasing the age to 50 would surely cause a few women to be missed who have cancer. My question is why don’t we move the age down to 30 since surely there are a few women who would be screened between 30 and 40 who could be treated. I think the result will be a increasing curve by incidents/age and the real question will be at which point do we pay the billions to save x women.
You could take over the company from the bank and start a new “liberal” employee loving kind hearted ice cream business.
p>Maybe their meanness is what drove them out of business.
p>Come’on, go for it!  Be careful on providing too good of a medical insurance coverage though since you don’t want it to be considered a “Cadillac” or “gold” plan and get taxed. Also, you’ll have to check the other laws we have in MA about employee benefits. Make sure you use every possible green initiative and energy conservation/reusable source… expensive but worth it in the long run. We also have a higher sales tax than neighboring states and from what I’m hearing more taxes are a’comin. You might be tempted to hire illegals to give them a stepping stone (stepping on the jobs of legal immigrants and American citizens) but shy away as ICE is looking for law breaking companies who hire illegals. Sounds like your ice creams might cost $20/cone but I’m sure you’ll get the support of all your friends and comrades.
p>You could have a “big tent” plethora of flavors featuring “Barocky Road”, “Star Spangled” ice cream, “hubby hubby” and more ice creams to kick off your business!
…since I believe minimum wage should be $10 per hour I would pay everyone at least that. I would try to provide benefits at least to full timers. I would follow the law regarding the hiring of non-citizens. I’ll keep prices competitive and take any hits to my personal bank account.
The Health Connector does cover students. You could purchase a Commonwealth Choice plan for your son. Your son is precluded from enrolling in a government-subsidized Commonwealth Care plan, however.
p>Also, did you know that the Health Care Reform law requires Massachusetts-licensed insurance carriers to cover children as dependents up to age 26?
…he is 28! BuBelieve me, we spent plenty of time on the phone and this truly is a “black hole” in coverage.
p>If you you have some helpful links, why not add them to this thread – and the Globe article does NOT talk about payout rations, and does talk about profits, but by all means, lets share information.
p>Connecting people and sharing information is one of the revolutionary impacts of the internet.
I see the issues here: too old to be a dependent, yet a full-time student and therefore ineligible for Commonwealth Care. Go to the Health Connector site (www.MAhealthconnector.org)and click on the “individuals and families” icon to get some Commonwealth Choice quotes for your son. If he gets a plan and can prove he’s covered on his own, he won’t be required to enroll in the student plan offered at UMass. I’ll confess that I don’t know what it would take to get him disenrolled from the student plan, but you should act before he’s charged for the spring semester.
UMASS would not accept ANY of the connector plans. Honest.


What is Spa Experience and how was it formed?Could you tell me a bit about the background of the enterprise?
You’ve recently signed up seven of your spas as Sustainable Spa Association members – how important is sustainability and the environment to youSSA?


SHENZHEN, Guangdong, Nov. 28 -- Ab
The first such "safety booth" was set uthree years ago.
South China'd to Guangdong Provincial government to pilot a safety booth next year.
 Those opposed to the idea say it will indulge irresponsible parents to give away their unwanted child.
A netizen named Maomaogege said on Sina Weibo, China's Twitter-style microblog service, that the booth is a bill paid for by the government for immoral parents.
In response, Tang Rongsheng, head of Shenzhen Social Welfare Center, said the booth would improve the survival chances of an abandoned child.
According to the application, the booth will be a 10-square-meter steel structure with an infant incubator, a time-delay alarm button and a LED sign.
The booth is expected to be located 200 meters away from a welfare house and 20 meters from the nearest hospital.


Shrimp is a popular type of seafood that's enjoyed in almost every part of the world. If you’re a seafood lover, then it’s likely that you enjoy these crustaceans in a variety of dishes. And while many love its sweet, fresh-from-the-sea flavor, shrimp isn’t exactly considered healthy, primarily because of its high cholesterol content.
So, should shrimp-lovers refrain from having their favorite seafood regularly? Well, not quite. While it’s true that shrimp is indeed high in cholesterol, it does have many other nutritional benefits that cannot be brushed aside.
One of the best things about shrimp is that it’s low in calories and rich in many important nutrients. An 85-gram serving of this shellfish has only 84 calories. Furthermore, it doesn’t have any carbs, making it ideal fo.
* Magnesium: 7% of the Recommended Dietary Intake.
Shrimp is a high-cholesterol food. An 85-gram serving of this seafood contains 166 mg of cholesterol. Now, many people believe that eating too many foods high in cholesterol is bad for the heart. However, research shows that this foodby found that adults who consumed 300 grams of shrimp daily saw a 12% increase in their “good” HDL cholesterol levels and a 13% decrease in their triglycerides (d). Health professionals note that both of these are vital for on 356 women found that the participants who regularly ate shellfish, including shrimp, had considerably lower triglycerides and blood pressure levels when compared to those who didn’t consume any shellfish. Further research indicates that people who include shrimp in their diet tend to have a lesser risk of heart disease than those who do not eat it.
More research is, of course, needed to establish shrimp’s effect on heart health, but current evidence does suggest that its high cholesterol content might be offset by the above-listed beneficial properties. So people who do not have high cholesterol can definitely enjoy this delicious seafood in moderation, as it’s unlikely to affect one's cholesterol levels.
Shrimp-red color in this shellfish. It helps protect cells from damage and can also improve immune system function.
Studies show that consuming astaxanthin can heby stopping free radicals from damaging your cells. Other studies suggest that this antioxidant may be useful for strengthening arteries, which may lower the risk of several heart diseases. In addition, it can als is essential for good heart health.
This isn’t all. Astaxanthin’s anti-inflammatory properties may help lessen the risk of inflammatory brain diseases and also enhance memory performance.
Including shrimp in your day-to-day diet may help your skin look more youthful. Research has shown that the powerful antioxidant astaxanthin in shrimp can significantly lessen the signs of aging in the skin associated with UVA and sunlight. Therefore, if you want to reduce any skin spots and wrinkling, having shrimp a few times a week can be helpful.
As we mentioned above, shrimps are rich in protein. Seven medium-sized pieces of shrimp contain 18 grams of lean protein, which is almost half your daily recommended serving of protein. Add the um found in it, and you have a recipe capable of improving your bone health. Deficiency in dietary proteins and vitamins can lead to bone degeneration. So adding shrimp to your diet can reduce the effects of aging bones.
Shrimp is a member of the shellfish family, and it's among the top allergens. So people who are allergic to any kind of shellfish should ideally avoid having it. If you're sensitive, eating it may trigger allergies like itching, stomach issues, tingling in the mouth, nasal congestion, dizziness, and other skin reactions.
If you don’t have any history of being allergic to any kind of fish, you can go ahead and choose the best variety of shrimp for yourself.
* Make sure they’re firm.
* They should also be spot-free and attached to their shells. Black spots on the shells may suggest that they have deteriorated in quality.
* You can identify their freshness from their smell. Ideally, it should have a slight saltwater aroma.
* Clean the shrimp properly after you’ve brought it home. Remove the shell and de-vein. S* Refrigerated shrimp can last for a couple of days. Frozen shrimp can last for about a month.
Overall, we can say that shrimp is a healthy food that anyone can add to their diet. It has delightful seafood can provide many necessary nutrients.
Share this post with other shrimp lovers!


Skyline tops Lake Stevens 37-34 in back-and-forth 4A state semifinal
Published: Saturday, November 28, 2015, 10:39 p.m.
TACOMA — It wasn’t the finish Jacob Eason envisioned to his career as the quarterback of the Lake Stevens Vikings.
An uncharacteristic turnover gave that spot to the Spartans.
“I feel really bad for Jake because he's carried us all year,” Lake Stevens head coach Tom Tri said. “He carried us tonight. He had a hell of a game.”
“We believed right to the end,” Tri said. “I thought that was going to be a catch in the end zone for a touchdown to win the game. ... We believed all year long we were going to get it done. We still believe. But I realize, reality is, the game's over. But I'm so proud of my guys and the way they played, not just tonight, but all year long.”
Lake Stevens grabbed early momentum with a defensive stop and a followed that with a 10-play, 78-yard drive capped off by a 15-yard touchdown pass from Eason to senior tight end Riley Krenz.
Skyline’s offense continued to build on the momentum of Gregory’s earlier touchdown pass with a 65-yard drive capped off by a 1-yard touchdown run by senior running back Rashaad Boddie. A pass from Gregory to Danny Sinatro on the two-point conversion tied the scoew at 14-14.
Skyline forced the Vikings to punt for the first time on their next possession. Six plays later the Spartans had their first lead thanks to a 20-yard field goal by Jack Crane.
Two minutes was plenty of time for the Spartans, who drove 68 yards in 1 minute and 46 seconds. Gregory scored on a 1-yard touchdown run with 14 seconds to play to give Skyline a 24-21 lead.
Lake Stevens reclaimed the lead early in the third quarter on a 3-yard touchdown run by Asi Tupua. The extra point was blocked, and the Vikings settled for a 27-24 lead.
Gregory continued to have an answer. He found Bradley Kim on a 20-yard touchdown pass on the Spartans’ next possession to give Skyline a 30-27 lead after a missed extra point.
Lake Stevens ran out the remaining moments of the third quarter and the first three minutes of the fourth quarter, but came away with no points, leaving the door open for Gregory and the Spartans.


As we stood in line to vote this week, the woman in front of us said there was one silver lining with the election being over. "I never thought I would be glad to see car commercials again," she told Mike Wetzel, Sunrise Ford's own TV star. Yes, the nasty, divisive, repetitive ads are [...

There was a time when it was a badge of honor for our state and federal representatives to " bring home the bacon " and get money for worthwhile projects in our district. Indeed, members of Congress as well as those in the Florida Legislature boasted about what they could do for their constituents back [...
Right smack in the middle of Sunrise Ford''s swampland for [...
For me, the summer of 2015 will be known as the summer of the " shake downs. " In my previous blog I wrote about the Fort Pierce City Commission forcing Sunrise Ford, along with several other businesses along U.S.1 south of Midway Road, to annex into the city. The annexation process included threats of [...
So the state legislature went home without funding the purchase of Big Sugar property, the Fort Pierce city commission admitted it was only after the money when it annexed Sunrise Ford and other businesses along U.S.1. And State Sen. Joe Negron has vowed to bring back a bill that would limit the number of students who can [...
As a former reporter who used to cover politics on the Treasure Coast, I try to keep up on what is happening in both the city of Fort Pierce and St. Lucie County. But somehow I overlooked Fort Pierce's recent moves to annex major commercial corridors into the city. That is, until last week when Sunrise [...


In trying to accumulate an entire deck of altered playing cards with a bird theme, I have been mostly filling my deck in, in small pieces here and there. But as I didn't have any Jacks in any of the suits, I joined a swap for that number card - I've sent these four bird jacks in to the swap, and will receive four jacks from different artists in return. I'll show the whole deck when I have it completed, which will still be a little while down the road. But that reminds me, I should show my butterfly deck, which is now complete...


“This is our lab,” says Edenworks co-founder and CEO Jason Green. “We have years of data at this point.”
The plants, meanwhile, are floating on the water in trays. Their roots reach into the water through a soilless potting mix that contains bacterial and fungal cultures that help the plants access and utilize the nutrients they’re absorbing. “So there’s this symbiotic relationship where the bacteria are living around the plant roots, they’re taking the nutrients, they’re absorbing part of that, and they’re delivering the rest to the plant,” Green explains. “All of that symbiosis is what enables our plant health.”


“I STRONGLY believe there’s a serious “Oust Duterte” plot now in full-swing that may include the assasination of the president as an option”, Castelo said, adding, “We must pray for the safety of the president and protection our country”.
Castelo said history tells us that the most appropriate time for perpetrators to execute a plan to unseat a president in office, is when people are divided - right around a national election period. “We’ve seen this happen during the time of President Marcos in 1986 and President Estrada in 2001 — where a planned assasination of both presidents were indeed an option, it just did not materialize,” said Castelo.
“I believe the so called “Oust Duterte” plot was hatched early on and has been in motion since the president’s first day in office in 2016. However, for this plot to succeed, it must have 1. public support - the president’s popularity remains at a record high. 2. military backing; the president is a darling of the military. 3. U.S. support; a brilliant tactician and expert in geo-politics that he is, the president has played his cards well between the U.S. and other major powers in the region.”, Castelo said.
Castelo also believes the intensified attacks against the Duterte administration we’re seeing these days; exposes, reported local and foreign media collusion, foreign meddling, etc, are all part of a grand destabilization plot aimed at removing president Duterte from office. Castelo, however believes that this effort is unlikely to succeed owing to the absence of elements mentioned earlier. Castelo’s fear though is that the perpetrators, in a desperate move, may opt to use its last card - to assasinate the president.
“Let us remain vigilant as wef our country. Let us preserve our country’s gains since the president took office.This nation has been blessed with a strong and decisive leader in the person of President Rodrigo Roa Duterte. Let him continue the great job he’s doing for our countr” Castelo stressed.


A one day workshop on "Wellness" is being organized on 4thJuly 2017 at GargiAuditorium from 9.30AM onwards. Experts on fields have been invited to make presentation. The Counselors and Deans (Students' Affairs) from all IITs will take part in the workshop. live streaming of through the following link:


Opposition leaders accused Abe of failed economic policies, causing the standard of life to fall and aggravating poverty and inequality, according to the publication. The opposition also cited controversial defense policy legislation and the lack of transparency in the talks as grounds for government resignation, the newspaper added.
New defense laws proposed by Abe's cabinet and passed byhave enabled the country to deploy and triggered an opposition attempt to make the government resign. Abe survived the no-confidence vote.


too! Otherwise, they wouldn't have scripted the somewhat strange, sexy interaction between Ian and Casey Wilson when they took the mic to present the award for Favorite Comedic Actor together ... Totally a nod to Fifty -- and something you just have to see for yourself:
Hoooottttt! Hey, at least they all have a sense of humor about it! And it makes me like both Ian and Matt even more know neither would wanna take the other out for landing the coveted role.
Did you enjoy the "Christian contenders" appearance at the People's Choice Awards? Do you think they're both still in the running for the role?
4 reviews have been written about this religion.
Whining about condoms as teenage pregnancy rises. Just shut up!
a good religion review by SaltireBlue.
Pope, Mary veneration, abortion, homosex abomination, Scripture with tradition validation.
a terrible religion review by crooksiephilTrust maintains a small group of offices, commercial shop fronts and three residential lettings within Black Swan Terrace.
Currently occupied by Grapevine.
121, Upper Spon Street – The “Activity Centre”
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The first thing you do is glue your coloured paper/card to the board behind the glass, the bit that you usually put the picture on (I have no idea the terminology of picture frames😂). Next, cut out your pictures, I usually cut around the heads of the picture When you’ve cut out all of the pictures, lay them out on your card before you glue them and then you can fiddle with their positions until you’re happy with them. Next, glue your pictures. In my experience, they always move a little from where I have positioned them when I glue them so maybe keep a few pictures to the side in case you need to fill some space. Finally, attach the board back to the glass/frame. It really is as simple as that!
I’ve already written a tutorial on how to make a candle so you an read that here if you want to learn how to make one.
In a few of my past posts, I’ve mentioned that I have a little craft business and my step-sister sent me a picture of a friendship frame and asked if I could make something similar and I’m always wanting to make new things so of course, I told her I would. This was a super fun frame to make and pretty easy too! You can personalise it with whatever the recipient likes and in this case, it was wine – she wanted prosecco but it was pretty specific so I had to use what I could find which ended up being these stickers. She also asked for a snowman as they were a late Christmas gifts and I had these in my stash of craft stuff.
To make this frame, you need a frame (I get mine from Ikea), a picture, background paper/card, scrabble tiles, stickers, glue, an ink pad and letter stamps (I’ve linked the ones I use). If you have nice writing and don’t want to get the stamps, you could just write it yourself but my writing is horrific😂.
The Ikea frames


AN INVESTMENT FROM THE PREMIER LEAGUE TO INSTALL AUTOMATED EXTERNAL DEFIBRILLATORS (AED) and external storage cabinets AT THOUSANDS OF GRASSROOTS FOOTBALL FACILITIES, AIMED AT HELPING SAVE THE LIFE OF SOMEONE EXPERIENCING A SUDDEN CARDIAC ARREST.
Supported by, the Premier League Defibrillator Fund will be rolled out in two phases, benefitting more than 2,000 sites.
Rolled out across two phases, the Fund will see more than 2000 sites benefit from this investment/22 season and the second wave expected in September. Tl sewithout an easily accessible AED on site.
Eligible sites have been contacted directly via email by the Football Foundation.
Each grant recipient will be required to:
Have at least one person successfully complete The FA Education's free online Sudden Cardiac Arrest course
The facilities will, and given gu
Phase two of the rollout launched on Wednesday 4 August and see the fund opened up to:
Affiliated grassroots clubs that own or operate their own facilities and are currently without an easily accessible*on site
Clubs playing at Steps 5 and 6 of the National League System andTiers 3 and 4 of the Women's Pyramid*An easily accessible AED is defined as an AED which can be reached and returned from within 200m of the pitch to assist a person suffering a sudden cardiac arrest
Owning or operating a facility
By answering 'yes' to your club owning or operating your own facilities you're confirming that you either have security of tenure for the site in question via Freehold, Leasehold or a License to Occupy or have a long-term agreement to operate/manage the facilities on behalf of another entity.
Football Foundation funded sites without an AED on site identified for the first phase of the rollout will have been contacted directly via email.
If you believe you meet the criteria for the second phase (details above), please click below to complete our eligibility checker where, if successful, you'll receive details of how to apply.
Please note that funding towards the Automated External Defibrillators (AEDs) and External Storage Cabinudden Cardiac Arrest Course
While defibrillators are designed to be simple to use, each grant recipient will be required to h. The course takes just an hour to complete and will prepare you to respond quickly in an emergency.
Watch: How to use your AED
Register your AED unit


President Duterte, voicing exasperation over the impossibly polluted condition of the Pasig River, announced last Tuesday that he was removing the Pasig River Rehabilitation Commission and transferring allriver can no longer be cleaned up because there is no zoning, he said. Over the years, the wastes of so many factories and households have been thrown into the river which flows into Manila Bay where its wastes join those of 17 other rivers that end up in the bay.
And yet the Pasig River is such a historic and beautiful part of Manila and the many towns upstream. It is so valued a spot in our history, in fact, that it was made the site of Malacanang, the home of Philippine presidents.
The deterioration of the river goes back many decades. It is said fish began to disappear from the river in the 1930s and by the 1970s, it had begun to give off a smell. All swimming and travelling by boat had stopped by the 1980s. It was declared biologically dead in the 1990s.
The principal reason was that after World War II, shanty towns of people coming from the provinces sprang up all along the river. They and the factories and piggeries and markets that arose all along the river and its many tributaries simply disposed of their wastes into the river That practice, it may be noted, continues to this day; only recently, so many dead pigs, victims of Asian swine fever, were found floating on the Marikina River on its way to the Pasigin the 1990s, some 700,000 people were relocated from squatter areas to various towns in Bulacan, Laguna, Rizal, Cavite, and Batangas, but most of them returned to other shanty towns along the Pasig to be close to their places of work in Metro Manila.
This is the Pasig River and Manila Bay which President Duterte now wants to clean up, after the government’s success in the six-month rehabilitation of Boracay island. But the problem in Metro Manila is a hundred times bigger, that Secretary Roy Cimatu of the DENR said it will take more than ten years to stop all the garbage and the pollution pouring into the bay from the Pasig and the many other rivers in Bataan, Pampanga, Bulacan, Metro Manila, Laguna, and Cavite.
President Joseph Estrada, who succeeded President Ramos in 1998in 1998 with the singular job of cleaning up the Pasig. It has evidently failed in this task after all these years. The Pasig is as dirty as ever. There was a plan led by then Budget Secretary Benjamin Diokno to set up a ferry service with so many stops along the Pasig, but nothing has come of it, probably because, with the pollution and the smell of the river, many commuters would rather take the buses, jeepneys, and light rails in Metro Manila’s traffic-jammed streets.
But President Duterte appears determined to do something about the Pasig problem, especially since he lives right along its banks in Malacanang. He said last Tuesday, “Me, I am just near the Pasig River. Sometimes I take a bath there if I want bacteria in my body to help me become immune.”
He was joking of course, but we hope, as in the case of so many other previous jokes, he means to really do something about the dirty, smelly, polluted Pasig River.


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Will you be able to confirm whether your teammate can also staff (or could you send Mike Wong his information so that MW can pester him instead)?
I would but i'm going to be going to concerts on friday and saturday so i'll be too tired to moderate. Good luck running TELESCOP 2!


PayPal processed a total of $285 billion in payments in the first quarter, up 50% from a year earlier, and added 14.5 million net new active customers.
PayPal reported its strongest first quarter on record and beat profit estimates on Wednesday, with a coronavirus-driven shift to online shopping and digital transactions boosting payment volumes.
PayPal's quarterly performance builds on an equally strong 2020 for the company, which also saw record levels of payment volumes.
"Our strong first-quarter results demonstrate sustained momentum in our business as the world shifts into the digital economy," Chief Executive Officer Dan Schulman said in a statement.
Visa, the world's biggest payment processor, is emerging from the Covid-19 pandemic, its top boss said last month, helped by a surge in online shopping.
Venmo, PayPal's app which allows individuals in the United States to send each other money, processed $51 billion in payments in the quarter, up 63%.
PayPal also said it expects to add 52-55 million net new active accounts in 2021, with an about 30% rise in total payments volume on a spot and forex neutral basis. The company in February forecast an addition of about 50 million active users in 2021.
PayPal reported first-quarter net income of $1.22 per share, beating analysts' average estimates of $1.01 per share. Revenue also beat estimates, rising 31%. Rival Square Inc will report quarterly results on Thursday.
PayPal earningsDigital transactionsdigital paymentspaypalPayPal accounts


I offer my clients a complete range of services in Real Estate, with a focus on restructuring their assets and investing in properties with a higher return.
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What are the Common Bags to Nest?
2. Think about function – what do you need the smaller bag for?
So, do you bag nest?What are your favorite nesting bags?
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My article on Tuesday may have gotten you thinking about putting your money to work somewhere harder in real estate. And that may, in turn, have gotten you lamenting the fact that you totally missed out on the Detroit recovery. Well, first of all, the Detroit recovery may not have been quite as solid as it’s been reported (sure, you can’t buy too many $500 houses any more, but median property values are still down 50% from 2006 peaks). But never mind Detroit. Detroit doesn’t have a beach. You need to be shopping in Puerto Rico.
Posted on 02/18/2016 09/20/2017 Leave a comment on Manufacturing and Housing Yin and Yang?


I think our ancestors would be pretty surprised at how fermented foods seem to have all but disappeared from our dinner plates.
Since ancient times, humans around the world have been fermenting their food before eating or drinking it. Wine was being made at least eight thousand years ago. Milk fermentation has been happening since around 3000 BC and folks have been eating leavened bread since around 1500 BC.
Our grandmothers made sauerkraut and pickles via Lacto-fermentation (using salt) whereas today we use vinegar. They used wild yeast (sourdough) to leaven their bread. Those types of fermentation provided us with probiotics, replenishing the good bacteria in our bodies. Today, almost everything we eat is pasteurized. We use antibacterial soap and drink chlorinated water. We take antibiotic drugs. Most of us have an imbalanced level of bacteria in our guts and that can make us sick.
Adding fermented foods to your diet will help restore those levels of healthy bacteria and it will do wonders for your well-being.
Here are some excellent reasons to eat fermented foods:
Improved digestion. Eating fermented foods is sort of like having them already partially digested before it hits your stomach. That allows your body to take the good out of the food without doing so much heavy lifting. When you improve digestion, nutrient absorption is naturally improved as well.
Vitamin boost. When you ferment foods you boost their vitamin content, especially with fermented dairy products like kefir.
Gut health. You need good bacteria in your gut to avoid yeast infections, irritable bowel syndrome, constipation, gluten intolerance, lactose intolerance, and lots of other nasty things. Eating fermented foods can help strike the right balance.
Flavor. Why do we like drinking wine with our cheese and eating sauerkraut on our hotdogs? Because it’s delicious, that’s why! Fermented foods are healthy and delicious.
Fermenting food is inexpensive, requiring very basic ingredients, salt, and mason jars and it helps to preserve foods for a long period of time.
To get more fermented foods into your diet, drink kombucha (a fermented tea you’ll find at Asian markets) or kefir. Eat naturally fermented condiments that you buy at the store or make your own at home. Kimchi, sauerkraut, salsa, and pickles are all examples of fermented condiments you can easily make yourself.
For more probiotics to support your health and well-being check out our ProActive ProBiotics here!
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is regular old yogurt considered a fermented food? i really wish i liked kombucha but to me it tastes like im drinking carbonated salad dressing. i just can't do it. but was wondering about the yogurt. thanks!!
Yes, natural yogurt is fermented milk. You can make it yourself as well and you dont need anything fancy but milk and a starter – some yogurt.
I like drinking yogurt mixed with water and salt.
thanks. here in colorado we have a local brand of yogurt called noosa. its made from local, grass fed milk and great ingredients. i probably can't do any better than that!! i guess i sometimes drink yogurt too, or more specifically kefir. i put either kefir or whey protein in our daily smoothies!
What is the simplest way to make kombucha? It is so expensive to buy in the store. And how much do you recommend drinking a day?


SRS Real Estate Partners Hires…tegory: NewsBy Sarah Stecko October 21, 2013 Leave a comment
PreviousPrevious post:Alliance Residential Purchases Downtown Scottsdale Development Site for $18.5 MillionNextNext post:CBRE Multi-Housing Private Capital Group Negotiates Sale of Property in Metropolitan Phoenix


Vanke Glamorous City is located close to Venice Garden in the Binhu District. The apartments have modern amenities and close to shops both inside and outside the complex. Security is good because to get inside the gate and then into your building you need a door code.


Why You Should Use Post-Surgery Creams
Why You Should Use Post-Surgery Face Creams (Even If You Haven't Had Surgery)
I’ve been doing some traumatic things to my face lately. I’m in the middle of a course of Fraxel treatments, I’m loyal to prescription Retin-A, and I often abuse over-the-counter acne creams whenever a blemish pops up, which is a bit too frequently for my liking. Add to this the facts that I live in the Northern hemisphere and it’s winter, and you have a recipe for a flaky disaster.
Luckily, there’s a robust market with lots of choices, and they happen to be the perfect products for winter, even if you haven’t lasered half your face off. Skin’s main function is to act as a barrier to keep nasty things out. When you get irritated and flaky, whether from the weather, a harsh ingredient, or a dermatological procedure (ahem), that barrier is compromised. “It’s almost like the waxy coating on your car or on an apple — that’s the barrier function,” explainsD.C. “If you start messing with that barrier, you have to replace that waxy coating, and some of these products will help you do that.” Essentially, they're souped-up moisturizers, with some extra ingredients to help heal and soothe irritation.
Ahead, eight heroic recovery creams, why they work, and why you should be using them — no matter what else you're doing (or not doing) to your face.
Post Surgery Face Cream Uses


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67% of parents are prepared to take children out of school early to get a cheaper holiday (From South Wales Argus)
Would you be prepared to take your children out of school for a family holiday during term time?
With summer fast approaching, many parents are considering taking their children out of school to avoid the foreseeable high prices, with research by leading travel insurance specialist Holidaysafe.co.uk finding that 67 per cent of parents are willing to take their children on holiday during term time to get a better deal.
This follows the landmark court case of Jon Platt who took his daughter to Florida for a week’s holiday during term-time.
The price of a family holiday can double during the school breaks and the cost of long-haul travel can see a significant price hike during peak times. Because of this, 58 per cent of parents feel that they have no choice but to take term-time holidays, and 23 per cent of parents are already planning to take their children out of school to go on holiday this year.
Previous research from Holidaysafe conducted in 2015 showed that only 30 per cent of parents would have considered taking their children out of school during term time to go on holiday.
Amber Howard, brand manager of Holidaysafe.co.uk, said: “It is interesting to see the 'Platt effect' has changed parents’ attitudes towards term-time holidays. At Holidaysafe.co.uk we understand that people value the opportunity to go on family holidays, giving them a chance to spend some quality time together.


That alone could be the most expensive wash cycle!
A woman from Norway (California, USA) accidentally put her lottery ticket in the washing machine and destroyed it.
Dangerous: With this bill, the American broadcaster reports that the woman actually exploded the $ 26 million jackpot on Super Lotto Plus KDLA.
The owner of the gas station where the woman chose her winning numbers (23, 36, 12, 31, 13, mega number 10) confirmed this to the broadcaster.
Accordingly, the 40-year-old put a lot in his pocket after he bought it and then washed it at home.
The gas station owner tried to support her with all his might, and sent a surveillance video to the lottery authority showing a woman paying for her ticket.
However, he will never see his million-dollar wins: a surveillance video will not be enough to verify the winning ticket purchase, the authority announced to the broadcaster.
After all, something worthwhile has yet to happen with the success of the jackpot: millions have to be paid to public schools in California.


What is an example of the everyday spaces that interested the Nazis in Norway?
Why wine and dine the Norwegian architects?Why didn’t Speer just order them to build what he wanted?
Despina Stratigakos is a v Where Are the Women Architects?


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Several trusted friends had spoke of meeting the risen Lord. As the gathered and confused disciples were discussing this, Jesus himself stood in their midst. Peace, he spoke to calm their fear; and proof he showed to convince them that the rumors were true, he was indeed alive.
“Still they stood there in disbelief filled with joy and wonder.” (v41) They must have been in shock. Jesus alive? It seemed too good to be true. Their heads couldn’t take in what their joyful hearts already had received. (The heart often recognizes truth before our mind can grasp it.) So Jesus reminded them that the words spoken by the law, the prophets and Jesus himself were now fulfilled. As he taught them, their minds opened and caught up with what their hearts had already believed.
How do you dismiss or doubt other people’s experience of Christ?
What fear are you experiencing? Jesus wants to speak peace to your hearresurrection, trust. Bookmark the permalink.