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In light of the recent call to physical isolation, in order for us to cope as a nation, we at Kids Matter feel more called than ever before to provide the crucial social support to the parents most isolated and vulnerable at this time. This page is full of resources to help create a calm, safe and fun place at home during this tough time.

Over 1000 resources have been printed and distributed to vulnerable families through local churches. If you would like to receive resources for families in your communities contact Katie on

Quote from a Kids Matter Facilitator

‘Thank you so much for the little encouragements you send out. I sent the one about not having to be perfect to my families and I got so many responses saying how much they had appreciated it and needed to hear that. And usually I hardly get responses to my messages, so that definitely means something.’

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Parent Encouragement

Download this great parenting encouragement to share with your local families.

Recipe Card

Visual Routine Board

Needing some routine back in your day! Download this visual routine board and set of activities to create a routine with your child.

14 Days of Fun and Life

A 14 day guide full of lots of simple ideas on how to do life in lockdown, and have fun, too! (This has been design by for Kids Matter)

Interpersonal Conflict

At the sharpest end of interpersonal conflict is Domestic Abuse. There is already evidence to suggest that rates of domestic abuse are increasing during the current Covid-19 situation, with some police forces in England already noticing an increase in reports of domestic abuse.

Download this resource for guidance on how to answer these questions:

  • How do we, as the church, gauge how serious a situation is?
  • What about if it is not Domestic Abuse but an escalation of parental conflict?
  • How we can we help parents through this stressful period?

Screen Time!!!!

Our kids love screens!! So it always so hard to get them off them, see below some top tips of how to end screen time well.

Love Languages

What ways can you be including all 5 love languages in your days? This table looks at how best to communicate each love language to your children/partner and what things to avoid!

Children without routines tend to cry a lot, be fussy and sleep badly at night.

Routines help children feel secure, understand how the world works and provide structure to their day; and they also help keep our family life predictable, calm and organised.

For a lot of us, we will need to create new routines, here is a helpful guide to creating a routine.

Rewards can be a good way of encouraging new behaviours or behaviours that a child finds difficult to master.

Rewards are not the solution to our children’s emotional challenges and struggles, but they can help in the short term, as they encourage positive behavioural habits.


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Children's Ministry

See our Getting Back to Church - Guidelines for details if you are bringing children with you to church.

Have you got children that you would like to bring to church?  Usually we run a specific programme just for kids!

Our aim is to make sure every child can be themselves in a safe and welcoming environment. Our children's workers are DBS checked and have first aid and safeguarding training.

We want the kids to have great fun whilst learning more about Jesus and meeting with Him.

Creche (6 months to Reception age)  Children under 6 months are welcome but must be accompanied by parent/carer at all times.

MADJAM (Reception to Year 6)

Children stay with their parents at the start of the service as we worship (sing songs!) together for the first part of the morning. Someone will announce when it's time for the children to go to their programme. You will need to go with your children and register them, and collect them at the end of the meeting.

If you have any questions about the programmes or want to know more about bringing your kids along on a Sunday then please fill in our Contact Us form.

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The Big Toot

Tommy Meyer builds his father’s legacy.

The Big Toot Tommy Meyer built is not the two-seat biplane his father envisioned. “It was going to be a side-by-side version of Little Toot, with longer wings like a back-staggered Beech,” said Meyer. His father, George W. Meyer, “was going to use Monocoupe landing gear with the wheels turned backwards, where the wheels were pointing forward, and he was going to cover the wheels with GeeBee-type wheel pants. He said it was going to be a Big Toot for Mom and Dad to go flying in.”

With lifelong dedication, Tommy Meyer built on his father’s legacy by adding a second seat to his father’s renowned design.

A skilled metalworker who worked for Curtiss-Wright and later the U.S. Navy at several aircraft maintenance depots, George Meyer designed and invested six years building Little Toot, a single-seat homebuilt biplane that first flew in the early 1950s. He named it after the Walt Disney character that had possessed his son, Tommy, Little Toot the tugboat.

A few preliminary drawings were as far as his father got on Big Toot, said Tommy, now 75. “As time goes by, Dad developed brain cancer and then cancer in the lungs. Before he died [in 1982], Dad said, ‘Tom, if you get around to it, would you build Big Toot?’ I said, ‘Sure, I’ll do it!’ It has taken me 20 years to develop the pay grade to do such a thing.”

Tommy Meyer and Kelly Swafford extend a full-size drawing of Big Toot’s fuselage side in the R.K. Swafford Company shop.

He started work on Big Toot in 2003. “I’m not an engineer,” said Meyer. “I don’t have the wherewithal to build the airplane he envisioned.” But as an engineering draftsman he could build a larger version of Little Toot, and the drawings he worked from are the legacy’s primary familial link.

“My dad told me, I don’t care what courses you take in junior high and high school, but I would like you take one course every year, and that is drafting. You can learn so many things as a draftsman, geometry, how to figure things out on paper. I did that every year through two years of college.”

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While Meyer was in high school, Arlo Schroeder wanted to build a Little Toot and pestered his dad for plans. Because he’d built the biplane for himself, it had little more than rudimentary drawings and sketches, Meyer said. “Dad said they were so bad, people can’t hardly read them, and he asked me to redraw them.”

Big Toot, with the original Little Toot, at the Meyer Aircraft Company hangar at the Northwest Regional Airport north of Fort Worth, Texas.

With Rapidograph pens and a LeRoy set, he completed the drawings in three months. The title block reads: “Designed by George W. Meyer. Drawn by George W. Meyer. Traced by Tommy Meyer.” For builders who didn’t possess his father’s master metalworking skills, in addition to Little Toot’s original monocoque tail cone, Meyer drew a fuselage that was all welded steel tubing.

Meyer recreated the Little Toot’s drawings again when his employer at the time, Mobil, transitioned its draftsmen from pen and ink to computer augmented design. For training, it encouraged them to provide their own practice plans. Today, with a CAD system and roll printer in his home shop, Meyer can produce full-scale drawings for every part of Big Toot, and almost every part of Little Toot, allowing builders to use them at 1:1 patterns.

Swafford built a fixture, with a sensitive scale, to balance Big Toot’s ailerons.

Designing Big Toot

“If I can draw it, I can build it,” Meyer said. To make room for Big Toot’s second seat, he extended the steel-tube fuselage 3 feet, and “I made it wider (27 inches wide to the outside of the tubing), so big guys could get in the thing.”

Contrary to biplane convention, the pilot-in-command sits up front. “Everyone told me I was crazy to do this,” said Meyer, “but that’s where the pilot sits in all of the tandem Van’s Aircraft RVs.”

The bug eyes and cowling almost ready for paint.

Joe Flood, who has logged a lot of biplane time, including both Toots, approves of the position. “You can see over the nose in both of them, so you don’t need to S-turn when taxiing.” Both cockpits have controls—stick, throttle, rudder pedals, and brakes—so the back-seater can land the biplane, if needed. Only the front has instruments and avionics.

Big Toot inherited the structural limits of its predecessor, said Meyer. Working at the Naval Air Station Corpus Christi, his dad shared Little Toot’s designs with the aircraft depot’s structural and aerodynamic engineers, said Meyer. “They agreed that the airplane would be good for plus or minus 10 G, just as my dad calculated.”

The wings are identical, except for their span; Big Toot’s “are two bays (18 inches) longer on each side, and they have full-length ailerons on the lower wings,” Meyer said. Employing a NACA 2212 airfoil and 42-inch chord, the lower wings are straight. The upper wings sweep aft at 8°; there is no center section. Double flying and landing wires brace the wings on both Toots. Hefty cabane struts hold the upper wings above their respective fuselages, with gusset plates on Big Toot.

Big Toot recognizes the individuals who helped Tommy Meyer bring it to life.

After decades of helping builders restore and create Little Toots, Meyer incorporated the accumulated improvements that solved problems and simplified maintenance in Big Toot. The fuselage is fabric covered behind the cockpit. Removable sheet metal panels cover the forward half. “You can totally expose the forward fuselage top to bottom. That makes it easier to work on the avionics, instruments, and brakes, so you don’t have to go cockpit diving.”

A headrest with a sense of humor.

Interior panels keep the cockpit clean and unobstructed, and Meyer painted all of his panels inside and out. Screws hold the panels in place, and Meyer swears by DeWalt’s gyroscopic electric screwdriver. A motion sensor activates righty-tighty, lefty-loosey, with the degree of wrist rotation controlling the tool’s rpm. With it, he can remove the panels in about 3 minutes.

Building Big Toot

Without apology, Meyer describes himself as a sentimental person. “If you think that you can build an airplane and say you built every part of it without asking someone for help, you’re the biggest liar in the world.”

Look closely at Big Toot and you’ll see the names of those who helped Meyer. Some are under the horizontal stabilizer, and all of them are on the fuselage fuel tank, what he calls the airplane’s “time capsule.” Neatly painted on the 6-gallon header tank between the pilot’s feet, part of the inverted fuel system, is Meyer’s dedication to his family legacy: “In loving memory of my father, George Walter Meyer, final request and dreams, build Big Toot.”

Big Toot came to life in Meyer’s well-equipped home shop, which might double as a showroom for Mittler Brothers tools. “I have $250,000 in Big Toot,” he said, and a good portion of that went to the Wright City, Missouri, company for metal brakes and shears, a tube notcher, and beading tools that will repay Meyer Aircraft’s investment by making parts for the Toots.

Big Toot stands on one-piece main landing gear, wheels, and brakes made by Grove Landing Gear Systems.

Early in the project, Meyer met and became friends, and later partners (see sidebar), with Kelly Swafford, pilot, airplane builder, engineer, and CNC machine magician who owns and operates the R.K. Swafford Company, which specializes in production and prototype machine design and repair.

Swafford CNCed counterweight molds that perfectly fit the aileron leading edges.

Interested in buying a set of Little Toot plans, “He stopped by the shop when I was cutting out ribs and asked what I was doing. In explaining, I said it took about three hours to build a rib after I cut out all the parts. He asked if I had some of that wood so he could show me how quickly he could cut out the parts.”

Swafford returned several days later with stacks of perfectly cut wood. “This should make building those ribs a lot faster,” he said, “and I cut me some out, too.” (Swafford has since CNCed a one-piece rib from an aluminum billet.)

Meyer gave the rib pieces to “a friend, Phil Witt, a model airplane guy who had a heart attack and the doctor wouldn’t let him do anything strenuous; bored, he asked for something to do; he built the ribs for Big Toot.”

While still waiting for its wings, but fitted with the canopy, Big Toot shows off its burly six-cylinder Lycoming.

The ribs are 1/8-inch ply with 1/2-inch spruce cap strips. The spars have aluminum crush plugs, so tightening the bolts that pass through them will not damage the wood’s grain. To position those holes, Meyer printed full-scale spar drawings and glued them in place. He measured again before making holes, and “it was off only 1/32 from one end to the other.” Steen Aero Lab provided the seamless, preformed plywood leading edge.

He employed full-scale drawings for the fuselage as well. Working on a level table topped with particleboard, he pasted the profile drawing (left and right sides are identical) in place and screwed oak blocks to position the tubing. “The Mittler Brothers notcher does a beautiful job, producing a nice joint for TIG welding.” After tack welding both sides, he applied the bottom drawing and stood the sides on it.

To make building and maintenance easier, removable metal panels cover Big Toot’s fuselage from the cockpit forward.

With the fuselage fully tack-welded, Meyer mounted it in the rotisserie he made. The rotating fixture is essential. “To TIG weld well, you need to be comfortable. Final welding on the fuselage takes hours and hours, and you need to work on different joints so the heat doesn’t build up and distort the fuselage because of asymmetric expansion.”

Little Toot got its landing gear 6.00×6 wheels from a Cessna 120. With a 260-hp Lycoming IO-540 in the nose, Big Toot would need longer, stronger legs, so Meyer turned to Grove Landing Gear Systems. With the necessary specs in hand, Grove designed the one-piece gear, fitting it with Grove axles, brakes, and 6.00×6 wheels.

With the same size wheels, Little’s wheel pants streamline those on Big. Like the wheel pants on a Cessna, Meyer said, a center bolt holds the pant in place. Over time, they can come loose, so he designed an aluminum teardrop that fits on the outside of the pant and keeps the wheel pant nut on the axle from coming loose.

A Dallas-area artist created the Toot tugboat artwork (right) that represents the Meyers, father and son.

Cockpit & Cover

The tandem cockpit is 27 inches wide, with the pilot at the front.

A side-hinged canopy covers the pilot and passenger. When closed, grabbing one of the round, red Gold Medal popcorn popper knobs slides it fore and aft to position six stainless steel locking pins into their fuselage-mounted fairleads. “I got the idea from the Pitts Model 12 canopy,” said Meyer. He drew the canopy with 9 inches of head clearance in the back seat and sent full-size drawings to Jeff Rogers at Airplane Plastics. “A place in Dallas bent the square tubing that makes up the canopy frame.”

Hooker Harness’s ratcheted aerobatic double belt and shoulder harness secures the pilot, and an array of upholstered and embroidered seat cushions position the pilot and controls; a standard belt and harness holds the passenger in place. They control their individual cockpit comfort with NASCAR air vents.

Meyer designed the hinges for the side-hinged slide-to-lock canopy.

A GRT Avionics EFIS dominates the panel, with an EIS engine monitor mounted on a subpanel. To its left are the turn coordinator, vertical speed indicator, and three-axis electric trim controls and position indicators. (Meyer removed the roll axis while addressing the airplane’s aileron issue.) To the right are the altimeter, airspeed indicator, Trig Avionics TY91 com and TT 21 transponder. The day-and-night VFR airplane’s switches and circuit breakers are on the right-side panel.

Meyer covered Big Toot with Poly-Fiber and a lot of wet sanding. He learned the secret to “absolutely smooth leading edge from a Little Toot builder, who explained that wrapping the upper and lower fabric around the leading edge and back to the forward spar didn’t need tape.”

A GRT Avionics EFIS dominates Big Toot’s instrument panel.

Meyer made it even smoother by sticking a layer of white felt over the pre-doped leading edge. “When you shrink the Poly-Fiber, it compresses the felt smooth. The only tape you need is where the wingtip hits the first tip rib.” In addition to pre-doping the covered structure with Poly Tak, Meyer “melts the edges of the pinking tapes into the glue with a Monocote iron.”

Grady O’Neal of Glo Custom, a light aircraft painting company at the Toots’s home field, Northwest Regional Airport (52F), north of Fort Worth, Texas, was getting ready to retire, Meyer said, “and he wanted Big Toot to be the last plane he painted.” He copied the scheme that adorns Little Toot. A Dallas-area artist recreated Little Toot’s whistle and created Big Toot’s father and son tugboat artwork.

The N-number, N64LT, unites Little Toot with its designer’s EAA member number, which EAA reassigned to Tommy at his father’s passing.

Big Toot returned from Dusold Designs with a ceramic-lined stainless steel exhaust system that includes its smoke-oil injectors.

Firewall Forward

Little Toot flies behind a 150-hp Lycoming, and Meyer wanted the commensurate power in its two-seat sibling. To build engine mounts, he found a holed IO-540 case with the same mounts as his new Lycoming.

Meyer mounted a 3/8-inch-thick steel plate to the table his dad used to make engine mounts and glued Toot’s firewall drawing to it. In addition to the necessary holes, the drawing includes the thrust line, along which the crankshaft should align.

To achieve this, Meyer mounted a dummy crankshaft to a 15.5-inch round steel plate with four holes tapped for 3/8-18 bolts that enable the necessary offsets (2° down and 2° right, measured with a digital level) when the plate is mounted over the thrust line shown on the drawing affixed to the table.

The Lycoming IO-540’s ceramic-lined exhaust system is mounted entirely to the engine.

To mount and move the case on the aligned crankshaft, Swafford made slip sleeves so Meyer could locate the starter ring where it needed to be in the cowling. “When it was all locked in place, I installed the mounts and engine rubbers and welded it,” said Meyer. “It’s just near perfect.”

Deeming the exhaust system “above my pay grade,” Meyer trailered Big Toot to Dusold Designs in Lewisville, Texas. “Mike’s an artist par excellence, but he’s not in the aviation business. He does race cars.”

Dusold fitted the IO-540 with a ceramic-lined, stainless steel exhaust system that collects the six cylinders into two Saber Stacks “tuned like musical instruments,” Meyer said. Injectors used in a race car’s nitrous oxide system squirt smoke oil into the exhaust. Without a fuselage connection, the exhaust “moves with the engine because the two big augmenter tubes are held by a trunnion that bolts to a boss on the bottom of the oil pan.”

Standpipe caps pressurize the 9-gallon wing tanks with ram air, and sitting up front, the pilot in command can see over the nose.

Two removable 9-gallon fuel tanks in the upper wing supplement the 22-gallon fuselage tank through valved lines. In addition to the 6-gallon header tank, there is a 2-gallon smoke oil tank behind the cockpit. In addition to a cockpit indicator, a calibrated dipstick accurately measures the main tank’s contents.

The wing tanks are removable because, “given time, all fuel tanks leak,” said Meyer. Nestled in 1/4-inch bays gusseted to the spars, 3/16th-inch clips secure the tanks covered by aluminum panels that look like the surrounding wing thanks to their beaded false rib marks.

Big Toot’s paint scheme mirrors that of Little Toot, right down to its checkerboards.

Phase 1 testing revealed gravity wasn’t sufficiently moving fuel to the main tank. Lift’s lower pressure was “sucking fuel from the vented cap,” Meyer said, “so Kelly designed and built the stand-tube fuel caps that pressurize the tanks with ram air.”

Cowling the Lycoming was one of Toot’s top challenges. “Bug eyes” is what Meyer calls the cheeky air inlets on Little Toot’s cowling. With his dad’s molds, he wondered if it would fit the IO-540. “They fit perfectly! All I’d have to do is split the cowling down the middle to make it fit top and bottom.” After hours of sculpturing, scraping, and sanding the new mold of foam and filler, “it really breaks your heart to break the plug out of the mold.”

With all of its pieces in place, Big Toot got on the scales. With its front-seat pilot, 260-horse Lycoming, and Hartzell constant-speed prop, its center of gravity was at the forward limit. Putting the pilot in the back seat really wasn’t an option because there were no instruments, so Meyer looked at the prop and its governor, which weighed 74 pounds.

Seeking a solution, he called Catto Propellers. “Craig said, ‘Give me all the specs on the airplane, and I’ll build you a prop that weighs only 22 pounds.’ I sent him the specs with a cruise-speed goal of 155 to 165, and I had the prop in a week.”

Pressed for time in preparing Toot for its EAA AirVenture 2018 debut, there wasn’t time to build the three-bladed fixed-pitch composite prop with the optional nickel leading edges, so pilot Joe Flood avoids rain. First-flight challenges delayed Toot’s AirVenture debut.

First Flight

Big Toot made its first flight on June 6, 2018. It didn’t go well. The pilot said the Frise-type ailerons, which counteract adverse yaw by dipping a leading edge into the slipstream below the wing’s surface, fluttered at 130 mph. “I’m not going to lie to you,” said Meyer, choking up, “It just destroyed me. I put the airplane away.” Kelly Swafford came over later, Meyer said, and told him “We’re going to fix the airplane.”

Having already made a number of parts for the airplane, Swafford had many of Toot’s drawings, Meyer said, but not the ailerons. “I sent him those drawings, took the ailerons off, and met him at his shop at 6 o’clock the next morning to balance them in a fixture he’d made that included a sensitive scale.”

The aileron’s trailing edge weighed 1.2 pounds, and Swafford started adding weight until they balanced, Meyer said. “Then Kelly did the math to figure the mass of the counterweight and CNCed a mold to cast counterweights that fit the aileron’s leading edge perfectly. There’s 10 pounds in each wing, and we designed new aileron hinges to carry the load.”

After putting everything back together and doing another weight and balance, Joe Flood, who’s logged a lot of biplane time, including Little Toot, went flying. For three days, Flood flew, filled up, and flew again, and the ailerons never wiggled. “Talking on the radio, I said I needed a top speed, and Joe said I’m doing 210 now, and that’s where we redlined it.”

Pilot Joe Flood pulls Big Toot’s canopy closed before a test flight.

With a 40-hour Phase 1 test time, Gary Grubb of Hangar 10 helped fly the tests, said Meyer, who doesn’t now fly for medical reasons. Meeting at an outlying airport where he could fly some aerobatics, Grubb said Meyer needed to change the redline to 230, adding, “This airplane is fixed, and it’s made for hot dogging.” It is not a two-seat Pitts, added Flood, “but it has a respectable roll rate of 360° a second.”

With the ailerons balanced, the only Phase 1 squawks were oil pressure issue, caused by a grounded wire, and overly warm oil temperatures. “Toot’s bug-eyes push a lot of air through the cowling, and we didn’t have the oil cooler baffled right,” said Meyer. “New baffles fixed that.”

Accompanied by Little Toot, Big Toot made its EAA AirVenture Oshkosh debut in 2019. Proudly parked by Homebuilt Headquarters, few passersby did not stop for a closer look. This included the homebuilt judges, who awarded the 2018 Meyer Special Big Toot, N64LT, an EAA Plans Champion Bronze Lindy.

Photos: Richard VanderMeulen, Tommy Meyer & Scott M. Spangler.

  1. Excellent article and I can validate the very large effort that Tommy put into this airplane. I worked for his dad when Tommy was still a boy and we reconnected years later and I stand in awe of the labor that Tommy put into Big Toot.

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Ewe Ewe Yarns Dashing Through The Plaid Kit

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Ewe Ewe Yarns Dashing Through The Plaid Pattern - $6.00 (Included as downloadable PDF)
Step 1: Pick your size!
Step 2: Pick your yarn colors!
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We suggest these:
Clover Takumi Bamboo Double Point Knitting Needles, 7 in (18 cm), 10.5 US (6.5 mm), Double Point, , , (1) +$10.75

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A beautiful bulky weight Christmas Stocking that knits up fast and fun. Includes a chart so you can personalize it with your own initials.

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Şifremi Unuttum

Hindistan’da Kala-Azar Baş Kaldırıyor

Rhythma Kaul, Hindustan Times
 New Delhi, September 09, 2013
First Published: 23:38 IST(9/9/2013) | Last Updated: 23:48 IST(9/9/2013)

Twenty cases of Leishmaniasis (Kala-azar) were reported from Jammu and Kashmir (J&K) for the first time this year, even as the central government claims it is very close to eliminating the vector-borne neglected tropical disease in the country.

The cases have been reported from the Doda district of the state since March this year hinting at the entry of the virus in the region.

A certain section of epidemiologists, though, claim it does qualify as an outbreak since it is the first time that the cases have been reported from J&K in such number. The officials from the Union ministry of health and family welfare, however, call them sporadic cases.

“We have sporadic occurrences of the disease being reported from the states of Kerala, Madhya Pradesh, etc. Himachal Pradesh has transmission of the disease and it shares its boundary with J&K, so there’s a chance of parasite movement. There’s nothing alarming though,” said Dr AC Dhariwal, director, national vector borne disease control programme, health ministry.

“We are investigating the matter,” Dhariwal added.

The National Centre for Disease Control (NCDC) that analyses the pattern and devises ways to control communicable diseases in the country, will be sending a team to the state to deal with the outbreak.

“If it is indeed an outbreak then we will have to start the national control programme soon and those persons infected with the disease need to be put on treatment,” said Dr LS Chauhan, director, NCDC.

Addressing a conference on “Partnering for Success — Reducing India’s Burden of Neglected Diseases in the capital on Monday, health ministry officials claimed they were in the process of certifying Yaws — a neglected tropical disease that affects the skin, bone and joints, as an eradicated disease.


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2166 Brighton-Henrietta Townline Rd (585) 427-0280

Welcome to Kornerstone Kitchens.

Our goal at Kornerstone Kitchens is to make your experience as easy as possible. Our designers, sales people, and installers will bring many years of expertise to your project.

But we don't stop there. After-installation service is just as important to us as it is to you. After all, our reputation is on the line. We believe that service is more about you and your satisfaction, not just the product.  Call us today at (585) 427-0280, or visit our showroom located at 2166 Brighton-Henrietta Townline Road in Rochester, NY.

What we do:  Cabinets for any room.
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Bathroom design, remodel and installation.  Western New York

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Kornerstone Kitchens on MyHometown Fall 2016

Robin De Wind shares Kornerstone Kitchens' custom work and the high-quality beautiful kitchens they produce. See what their team provides for their clients in this fall My Hometown video. The team from Kornerstone Kitchens can help you change your interior look and style. Listen to testimonials from real customers while viewing the gorgeous kitchens they have completed.

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Understanding Backups & Disaster Recovery – Part 3

Understanding Backups & Disaster Recovery – Part 3

The third part of our series addressing the basics of Backups and Disaster Recovery gets into the importance of testing. It's a great start to have a DR plan and backend infrastructure ready to go, but if you have never tested actually running your company in this "recovered state," then it's like fumbling at the goal line.

Without testing you don't know what you don't know. In this video, Alan and Gavin from AllConnected share their stories about the importance of testing to the end user.

Use our self assessment quiz below to see how prepared your company is.

For the rest of the series, click here.

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July 1, 2020

The Hardest Part about Market Timing is Getting the Timing Right

Posted By
Chris Quigley, Senior Research Analyst

The Q1 Bear Market

Short-term market movements, especially in the downward direction, are sure to generate plenty of headlines and evoke some level of fear and panic among most investors. It all seemed justified this time around, as it usually does, during the Bear Market in the first quarter of this year, a result of fallout related to the spread of COVID-19 around the world. The speed of the decline was among the highest in market history. From the S&P 500 index’s peak on February 19, it took just eight calendar days for the index to enter correction territory (-10% or more) and 22 days to enter a Bear Market (-20% or more), while the index hit the bottom (-34%) after just 33 days. Front of mind, once again, was the avoidance of downside.

Market Timing

It is understandable for an investor to want to avoid downside, and in hindsight, the signs of an impending Bear Market are usually obvious. But predicting the future is not always so obvious, and in the midst of the downturn, we were again pondering our ability—or inability— to time the market. The challenge, however, is how to measure the value of avoiding the downside. Perhaps the most common method is to compare investing a fixed amount over time, known as Dollar-Cost Averaging, to investing all at once, also known as Lump Sum Investing. While the Dollar-Cost Averaging vs. Lump Sum Investing comparison is simple to calculate, we do not think it does a realistic job capturing a more common type of investor who earns an income and systematically saves a portion of those earnings. The solution was to create a simple “Buy the Dip” strategy for this exercise, which incorporates frequent cash contributions to a portfolio, similar to the way 401(k) or other retirement accounts work.

A Lot of Effort for Little Upside

Using the Census Bureau’s U.S. Median Family Income index beginning in 1953, we assumed that an investor would have saved 10% of their income each year. Although the percentage remained uniform throughout, the dollar value of each contribution inevitably grew along with the overall median household income. For the Dollar-Cost Averaging portfolio, the investor immediately invested the entire contribution at the end of each month. For the “Buy the Dip” portfolio, the investor kept the cash on the sidelines until the S&P 500 was a set percentage below the index’s prior peak. Cash in the “Buy the Dip” portfolio was allowed to build up until the S&P dropped below the threshold, in which case the amount held on the sidelines was invested the following day, not needing to wait until the end of the month to put the funds to work. The monthly contribution continued to be invested as long as the S&P was below its prior-peak threshold. Once the S&P recovered to the threshold amount or above, the cash portion of the portfolio resumed its build up.

The result, charted below, shows some long periods of cash accumulation, with the relatively uncommon (every four years or so) Bear Markets causing the cash to be put to work in the “Buy the Dip” portfolio. The green dots in the top half of the chart represent days where accumulated cash was put to work, while the bottom allocation table shows the cash build up as a percentage of the overall portfolio. The Dollar-Cost Averaging portfolio is steady and unbothered by market gyrations, resulting in outperformance of the “Buy the Dip” portfolio by 67 basis points (0.67%) annually, which translates to an extra $141,000 at the end of June. We think it is a healthy margin of victory for a portfolio that started with just $35 in 1953!

It could be argued that 20% drawdowns are too infrequent, and market timers would be waiting for a more-common 10% drawdown (every year or so).

Unfortunately for the wayward market timer, that strategy also performed poorly. The performance gap widened a little bit due to poorer market timing, while the overall portfolio value gap shrunk from $141,000 to $105,000.

Staying on the Path

We realize that both the Dollar-Cost Averaging portfolio and the “Buy the Dip” portfolio would have made money over the period, and the “Buy the Dip” portfolio worth $1.63 million is still very respectable. However, constantly keeping tabs on a portfolio is a lot of work and the Individual Investor Asset Allocation Survey conducted by the American Association of Individual Investors (AAII) shows that most investors would have been unlikely to deploy cash in the dips anyway. The survey shows that individual investors have had an average 23% allocation to cash since 1997. In the most recent Bear Market, the average cash allocation actually increased from 13.8% in January to 26.1% in March, precisely when that cash should have been put to work. The story was not much different in other recent Bear Markets, with cash accounting for nearly 45% in March 2009, 30% in September 2001 and 38.6% in October 2002.

It should come as little surprise that we remain less focused on getting the timing right and laser-focused on the long-term potential for our broadly diversified portfolios. We believe that there are plenty of ways to limit downside in portfolios, many of them fairly simple to implement, but trying to time the market is not one of them. As always, at Kovitz we partner with our clients to help guide them through uncertain times to stay the course.  We recognize that investing may be challenging, stressful and frustrating, when it should be rewarding. We bring decades of experience in a variety of market environments and are always Guided by Value.


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Ever since I first tried cooking a whole chicken in my slow cooker, I’ve been hooked. It gives me the most delicious, most juicy and moist chicken ever, hands down.

They key is to stick it under the broiler for a bit before slow cooking it. This locks in the meat’s natural juices and helps deliver an absolutely decadent meal. However, if you prefer a more crispy skinned exterior, simply do the broiling process after the chicken is slow cooked. This step is super easy, and will really make a difference in the end product.

I also want to note that because this is a whole chicken, the servings will vary in nutritional stats and Points, depending on which part of the chicken you eat and how large that serving is. On AVERAGE, each serving will range in 1-5 Points, WITHOUT the skin.

This Weight Watchers Crock Pot Whole Chicken Recipe has gone into our regular meal rotation, because it’s undeniably delicious. The lemon and rosemary seasoning is my favorite, but you can play around with other spices and herbs as much as you like.

Baked Cheese Balls Recipe - 5 Points

TIP: After you’ve removed all the meat, place the carcass of the chicken back in the crock pot with all of the leftover juices, lemons, onion, etc, add water, cover and slow cook on low overnight. The next morning strain out all the bits and you’ve got your own, homemade fresh chicken broth that is a zillion times tastier than any store bought kind!

I freeze mine and save it for a future recipe. Seriously…DO THIS…you will love it!

crock pot lemon rosemary whole chicken

Succulent and juicy, this slow cooker chicken beats rotisserie chicken any day! The moist, tender, and wonderfully seasoned meat will absolutely melt in your mouth.
from votes
Prep Time 20 mins
Cook Time 6 hrs
Total Time 6 hrs 20 mins
Servings 8 servings
Calories 300 kcal

  • 1 whole roasting chicken (about 6-8 lbs, cleaned and giblets removed)
  • 2 lemons (sliced)
  • 1 large onion (cut into wedges)
  • 3 sprigs fresh rosemary
  • 2 tsp ground sage
  • 1 tsp garlic powder
  • 2 tbsp light butter
  • Salt and pepper to taste

  • Preheat oven broiler.
  • Sprinkle the inside of the chicken cavity with salt and pepper. Then place half of the lemons slices, half of the onion wedges and 2 sprigs of the rosemary inside.
  • Place chicken inside a small roasting pan. Spread butter evenly all over chicken, then season the chicken with the sage, garlic powder and salt and pepper.
  • Place chicken in the oven and broil for about 8-10 minutes, just until the skin turns golden brown. If you like your chicken really darkened on the outside, leave it in until the desired level of darkness is achieved. ** To crisp the skin, you can do this step AFTER the slow cooking, if preferred.
  • Place remaining onions and a few of the remaining lemon slices in the bottom of the slow cooker. Now place the whole chicken on top. Top the chicken with remaining lemon slices, and rosemary leaves (removed from string).
  • Cover with lid and cook on low for 6 – 8 hours or high for 4 – 5 hours.

Entire recipe makes 8 servings
Breasts (skin removed) = 1 Point* each
2 Drumsticks (skin removed) = 3 Points*
Thighs (skin removed) = 4 Points* each
2 Wings (skin removed) = 5 Points*
*based only on ingredients that have an SP Freestyle value

Calories: 300 kcalCarbohydrates: 3.5 gProtein: 30 gFat: 8 gSaturated Fat: 3.9 gCholesterol: 97 mgSodium: 180 mgPotassium: 57 mgFiber: 1 gSugar: 1.3 gCalcium: 40 mgIron: 2.7 mg
Spanish Chicken and Potato Roast - 8 Points

  1. Glenda Mixer

    The background color on your home page overwhelmes your text. Just thought you should know. I am designing my own page soon.

    • Love everything about your site & this recipe. I was an art major in college… Now I cook… To reduce fat, refrigerate overnight & spoon off the fat. Everything is better the second day anyway after the recipe has married the seasonings. :)

  2. I noticed you placed your chicken breast side down in the crockpot. Was there a reason for that? Will the spices you placed in the cavity drip their flavor down? What happens to the roasted top that was In the broiler? I like that idea of broiling it before slow cooking. Thanks for your recipes…

  3. Debbie Montique

    I have this in my crock pot cooking right now, and it smells delicious!!! I have a question about the saved broth. Since I’m cooking the chicken with the skin on it, the broth won’t be fat free will it? Just not sure how to count the broth when I use it for future recipes?? Thanks so much

    • LaaLoosh

      Good question! The best way to make it fat free is by using a fat separator to remove the excess fat from the skin. That will get MOST of the fat out. But what’s left will be minimal, it most likely will not affect the Points Plus value of the recipe, so I wouldn’t count it as having any fat grams.

      • i always freeze leftover broth with fat in it. then i can remove the fat that has risen to the top while it’s half defrosted. it comes off in big slabs very easily. whatever is left, i pretend isn’t there.


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Who is Making Health Care Decisions for You?

July 31, 2020 by in ESTATE PLANNING

Now Is the Time to Choose Your Health Care Surrogate!

This week our family experienced firsthand the frightening perils of COVID-19. A close family friend, who shares our table at every Thanksgiving gathering and my wife and children call “Uncle”, was admitted to the hospital due to COVID-19 related complications. With an uncertain prognosis and minimal consciousness, it quickly became apparent that the hospital was unaware of who was serving as his designated health care surrogate. As families in crisis do, between many phone calls and texts, we anxiously scrambled to locate this information and get it into the right hands.

Designating a health care surrogate is always advisable. Now, with a pandemic upon us, it is essential. What does a health care surrogate do? A health care surrogate has the authority to speak with medical professionals, make medical decisions, and manage medical care on your behalf if you are incapable of doing so. Most importantly, the health care surrogate acts as your advocate to navigate through the complex health care system. A health care surrogate can also be given the authority to act on your behalf even if you are not fully incapacitated. For instance, if you are heavily medicated and your memory is temporarily impaired.

How do I designate a health care surrogate? You will need a health care surrogate designation form. A health care surrogate designation is part of the package of estate planning documents our firm, Lacey Lyons Rezanka Attorneys at Law, provides to clients. The document must be executed in front of two witnesses. The individual designated as the health care surrogate cannot be a witness. Also, one of the two witnesses cannot be a relative.  I strongly recommend to all of my clients, as their estate planning attorney, to designate one primary surrogate and at least one back-up, but preferably two. Choose people who understand your wishes and (hopefully) have your best interests at heart. Although, face-to-face meetings might not be advisable now, consider at least speaking with your surrogate via phone or video conference. Ask if they are willing to accept and carry out your wishes. Make your wishes clear and succinct in order that if the time comes, the surrogate is confident with their directives.

What happens if I don’t have a health care surrogate? According to Florida Statute 765.401, a health care proxy is appointed based on the following “order of priority” to a patient:

  • Judicially appointed patient guardian
  • Patient’s spouse
  • Majority of patient’s adult children who are reasonably available for consultation
  • Patient’s parent
  • Adult sibling or majority of adult siblings who are reasonably available for consultation
  • Patient’s adult relative who has exhibited special care and concern and has regular contact
  • Patient’s close friend
  • Licensed Clinical Social Worker

There are many problems with the list above. What if your closest living relative is a brother or uncle you haven’t seen or spoken to in years? If you have more than one adult child, will they all agree on the same course of action? How does a relative prove they “exhibited special care and concern and has regular contact” with the patient?  How do you define someone as a “patient’s close friend”?

Designating your health care surrogate in compliance with the formalities of Florida law is required to avoid the default list above. Choosing a health care surrogate is possibly one of the biggest and most consequential decisions made pertaining to your life. And it should be YOUR choice.

Located in Downtown Melbourne and serving Brevard County for nearly 2 decades, Mr. Lacey concentrates his practice in the areas of Wealth Preservation, Tax and Estate Planning, Medicaid Planning, Elder Law and Post-Death Administration. Mr. Lacey is experienced in the formulation of estate plans to achieve the clients’ testamentary goals, maximize their tax benefits and minimize probate costs. He recognizes that some people are at higher risk of lawsuits and judgments. These people include professionals (doctors, lawyers, accountants), business and property owners, the very wealthy, people facing imminent legal, financial or medical problems and people with high risk jobs. Many of these individuals have benefited from Mr. Lacey’s vast knowledge of proper asset protection planning that can ensure that all of their personal and business assets are protected in the event of large unforeseen nursing home costs or lawsuit and judgment.

Stephen J. Lacey, J.D., LL.M-Tax, is with the law firm of Lacey Lyons Rezanka, Attorneys at Law, in Melbourne, Florida. Contact Attorney Stephen J. Lacey at 321-608-0890 or click on https://www.laceyandlyons.com/

Free Consultation

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Now thru October 24th, use code SLEEP15 at checkout for 15% off ALL Boudoir and Sleepwear!

La Lingerie Swim Buying Guide

In some ways, it can be tougher to shop for a swimsuit than it is to shop for a bra. Not only does it need to fit your body well, but it also needs to fit your personal style preferences and comfort level. For this reason, La Lingerie works hard for our clients to provide a wide range of styles and colors from swim manufacturers we trust to make quality swimsuits that are ethically made. While any of our swimsuits would be a great choice, finding the one (or two, or three!) that you love involves asking a couple questions.

How many pieces?

One-piece or two? Are you interested in a tankini or bikini only? Each option has its own considerations.

Left: Gottex Lily V-Neck One Piece, $188. Right: Gottex Paparazzi Plus Swimdress, $178

One-pieces. As an elegant all-in-one, one-pieces often offer a lot of coverage, especially for the belly area. Because of the coverage and the classic silhouette, many clients come in looking for one-pieces. One-piece swimsuits offer a beautiful way to be in a swimsuit and have nice coverage as well as tuck in our midriff area. It’s also nice to know there’s no possibility of forgetting half your swimsuit at home!

We love our one-pieces. We even have specific styles depending on your body shape and size. We have many styles of one-piece, some of which are designed to fit longer frames or with wires for more stable support. We carry one pieces with bust sizes up to a HH cup as well as up to size 24 in store.

Left: Elomi Magnetic A-Line Tankini Top, $90. Right: Tara Grinna Long Asymmetrical Tankini, $109.

Tankinis. Tankinis are a great option for those who want a lot of coverage and in two pieces. Two separate pieces can make it easier for bathroom trips as well as allow the client to fit both top and bottom separately. You can mix-and-match for more variety, as well as choose different sizes on both top and bottom.

Bikinis. You might be surprised to learn that bikinis are the number one selling silhouette at La Lingerie. Bikinis offer the best opportunity to fit well since top and bottom are separate and they have the least amount of extra fabric that might get in the way or roll uncomfortably. Especially for those with larger busts, bikinis often offer the same fit as a bra, which contributes to comfort and wearability. We also offer high-waisted bottoms so only a little bit of skin shows.

Some shy away from bikinis because of the lack of coverage. However, we find that baring more skin can often be more flattering. Just like the idea that it’s more flattering to wear something that fits your body as it is rather than wearing something that is too small or too large, revealing portions of our bodies we are self-conscious about can actually draw less attention than covering them up would. We encourage all of our clients to try styles of more and less coverage than they might have come in looking for, no matter your size, shape, or age. And if you do need just a bit more coverage to feel comfortable, we have amazing high-waisted bottom options!

Left: Simone Perele Cadaques Balconette Swim Top, $130, and matching Retro Brief Swim Bottom, $80. Right: Tara Grinna UW Bikini Top with Overlay, $92, and matching High Waist Fold-Over Bottom, $74.

Does it fit?

A suit can have a beautiful design and be in the style you prefer, but if it doesn’t fit, it can be uncomfortable. As you try on swimsuits, there are a couple helpful things to pay attention to.

Support. We have suits with wires for ultimate support and also suits without wire that offer more flexibility. Not everyone needs a swimsuit that has wires or that provides the same level of support as a bra. Each of us knows how much support we need to be comfortable. With this in mind, La Lingerie’s fitters will ensure that there aren’t any obvious issues with the fit on top (spillage, gappy cups, etc.). The most important question we ask is whether you feel comfortable.

Also keep in mind the activities you might engage in while in your suit. Personally, I am very active in my pool and beach activities: I want to be able to hike at Devil’s Lake and jump off a boulder into the water. For that, I like bra-sized, wired bikini tops for very stable support. However, if you envision relaxing poolside with a book and only occasionally dipping your toes, you might want a suit that isn’t quite so rigid.

Jets Jetset E/F UW One Piece, $187.

Snugness. A common mistake in swimsuit shopping is to accidentally get a size too big. A lot of us aren’t used to tight clothing, but swimsuits need to be snug to the body to function well. Once you are in the water, the fabric loosens and becomes more elastic. The water also makes the fabric heavy when you get out of the water. This can lead to saggy bottoms and tops that are too big around the ribs to give support (or in some cases stay on!).

An easy way to tell if a one-piece or swim bottom is too big is to look at your bum. If there are any wrinkles or ripples along the bottom edge of the fabric, you might want to try the size down. Even slight wrinkles indicate that there is too much fabric, which will get much worse when wet.

For swim tops, ensure that the band is snug around you in a way that feels secure. Ties can be helpful here, as they can be tightened as much as you want them to be. And if it’s difficult to tie them as securely as you want them to be right away, there’s usually a helpful friend around to snug them up before you get in the water!

Don't forget a cover up! Jets Empire Kaftan, $75.

How does it feel?

The desire is to find a swimsuit that feels so comfortable that you forget you’re even in one! Enjoy your friends, family and the water activities rather than focusing on your swimsuit. To feel comfortable in a swimsuit, it’s about finding the right fit and your personal comfort level with the style, the color, and the amount of coverage.

It’s more important that you feel good in your own skin. It can be a challenge to navigate swimsuit shopping as you are looking for an item to wear in public that bares more of your body than normal. When trying on swimsuits, be it in-store or during a virtual fit, we suggest that you bring your attention to how the suit feels as well as how it looks. A swimsuit that fits, will flatter.

La Lingerie carries quality styles from ethical brands around the world. These suits are a great investment and will last because of their construction and engineering. We strive to have as wide an array of sizes and styles as possible so it’s easy to find swimsuits that fit everyone. Swimsuit shopping can be fun and exciting when you have the right sizes to choose from and the expert assistance. We are here to help you find a swimsuit that fits and find the one (or two 😉) that feels happy and comfortable.

Freya Jewel Cove UW Bikini Top, $60, and matching Bikini Brief, $35.

Are you ready to find a swimsuit that’s right for you? Book an appointment or schedule a virtual swim fit today!

~ Trillian & the la lingerie team

*All photos are from our 8th Annual Fashion Show Benefit for DAIS! Some items are no longer available or have limited stock left and are not on our website. If you are interested in a piece that does not link to a webpage, please give us a call and we can let you know what is still available!

1 comment

  • Thank you for this wonderful piece on swimsuits. It is so well-written and covers every issue a buyer has. Finding the right suit is possible thanks to the beautiful choices you have at La Lingerie. Thanks so much for all you do for women. And, congratulations on being in business for ten years!

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Category Archives: PHP Configuration

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How To Find The Version of Linux You Are Using

Sometimes you need to know what version of the Operating system is installed on your server. This is extremely useful when you order a dedicated server and want to know what is the version of OS on it. A simple command will help you as usual: cat `ls /etc/*{-,_}{release,version} 2>/dev/null | head -n 1` This will show you… Read More »

PHP Deletes Angle Brackets While Parsing HTML: How to Solve

Today I’ve faced a problem that was quite strange. One of my WordPress installations refused to understand posted angle brackets. This was especially related to tags and the encoded symbols like > < and so on. I started to think what I did before :). The issue is described at PHP Bugs.  There is no exact solution there… Read More »

How to Enable Socket Support In PHP

In order to add socket support with PHP you need just to include it into your configure string: there is no need to install any third-party applications or software. All you need is to recompile PHP, and it can be done in some minutes. First of all you need to know where your PHP installation is located. I… Read More »

How to Enable mhash in PHP built from source

If you have a server that doesn’t come with any panel and all the software was compiled from sources, you have to install the missing packages by yourself, without any scripts, etc. Today we’ll install mhash support for a server that has nothing related with this library. As we’re dealing with a non-rpm system, we’ll have to install… Read More »

How to Enable Iconv for PHP on a DirectAdmin Linux Server

I haven’t found a good guide on this that’s why I decided to create my own. iconv functions are great if you’re working with text information stored using different encodings and it is essential to have it on your server. Let’s take we have Directadmin with Apache 2 support (please, read my previous articles to find out how… Read More »

How to Install Zip Functions Support For PHP

Using zip files is a common practice for web. Zip archives are very useful as they are supported by all major operating systems and don’t require any special software. XP and Vista have the embedded support of this file format, you won’t also have problems opening these files in Linux. You can also work with these files in… Read More »

Apache Stopped Working After PHP Upgrade – How to Fix

If you are often working with PHP upgrades, you should do this automatically – you already know all the issues you might face. But if it’s done for the first time, it is quite hard to find your problem. I will tell you about the most common issue and about the applicable actions to fix this. When you… Read More »


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Lyon 48" Wide Hand-Forged Iron Wagon Wheel Chandelier
Lyon 48" Wide Hand-Forged Iron Wagon Wheel Chandelier

Lyon 48" Wide Hand-Forged Iron Wagon Wheel Chandelier

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This two-tier hand-forged iron chandelier features a burnt sienna finish and hardback linen shades.

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This hand-forged iron chandelier from Troy Lighting's Lyon Collection brings glamour and style to any space. Two-tier 18-bulb design provides rich illumination. Burnt sienna finish has a distinctive patina that gives this pieces its rich character.

  • 48" wide x 44" high. Canopy is 6" wide.
  • Comes with 4-feet of chain and 6-feet of wire. Sloped ceiling adaptable.
  • Uses eighteen maximum 40 watt candelabra bulbs (not included).
  • Lyon eighteen-light chandelier by Troy Lighting. Round, wagon wheel shaped tiers. A large chandelier for dining rooms and more.
  • Burnt sienna finish over hand-forged iron construction. Hardback linen shades.
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Bone Grafting Improves Your Candidacy for Dental Implants

Bone grafting to treat severe bone loss

The Importance of Bone Grafting

When someone has lost jaw bone volume, either due to tooth loss, oral trauma or periodontal disease, they may experience a change in several aspects of their oral health. Bone loss can produce a “sunken in” facial appearance, cause teeth to shift, create an uneven appearance of the jaw and restrict the ability to have dental implants placed.

Common causes of bone loss
in the jaw include:

  • Missing teeth
  • Trauma to the jaw
  • Gum disease
  • Misaligned teeth

Bone grafting is an advanced procedure used to restore this lost bone volume in your jaw and help you qualify for dental implants. For those who suffer from severe bone loss or are in need of replacing all their teeth, seeing an oral surgeon for a bone grafting procedure can produce the most ideal results. Oral surgeons have the years of experience and training to rebuild jaws with bone grafting techniques even for cases that were previously thought to be hopeless. At Lane Oral Surgery our team can place bone grafting material, either taken from you or a donor source, at the site of recession, which will fuse to existing bone to form a solid, even foundation.

We utilize advanced guided tissue regeneration (GTR) techniques when performing bone grafting in Plymouth, MA, to improve the healing time and ensure your new bone is strong. This involves placing a protective barrier (GTR) around the bone grafting material and suturing your gums around it, so the bone heals without interference from the gums. For those with anxiety about dental procedures, including bone grafting, we can incorporate sedation dentistry into your treatment plan. This will allow you to get the care you need without fear or sensations of discomfort. Once the bone grafting material has healed and your jaw is at a healthy level, we can begin the process to place dental implants and give you back a natural, healthy smile.

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What Is Bone Grafting?

Bone Grafting at Lane Oral Surgery

Bone Grafting Model - Lane Oral Surgery - Plymouth, MA and Sandwich, MA
  • Prepares your jaw for implants
  • Evens out the jaw line
  • Prevents shifting teeth
  • Retains facial appearance
  • Expert care from a skilled oral surgeon
  • Sedation options available

Ridge Augmentation and Sinus Lift Bone Grafting

At Lane Oral Surgery the most common types of bone grafting we perform are ridge augmentation and sinus lift surgery. Both bone grafting options are used to add bone to the jaw in order to allow for dental implant placement. When a tooth is extracted or lost it leaves behind an empty area in the jaw, which can quickly deteriorate and affect the jaw ridge. Ridge augmentation restores bone where the tooth once was and prepares for dental implant replacement. Patients who are missing teeth in their upper molar area may have inadequate bone to support dental implants due to the sinus cavity residing just above these teeth. We can perform sinus lift surgery to access this location, gently raise the sinus membrane and add in bone graft material to create adequate bone volume for dental implant placement. This is a very delicate procedure and best performed by experienced oral surgeons to ensure best results and no damage to the sinus membrane.

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Prepare your jaw for dental implants with bone grafting.

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Rut season is nearly over in Oak Bay. (Oak Bay file photos)

Aggressive deer continue to menace quiet B.C. town

Resident deer continue to scare residents of upscale Island community

  • Dec. 5, 2018 10:00 a.m.

Oak Bay’s resident deer continue to terrorize citizens.

Last week police reported two boys were chased down Lulie Street by a large deer. Luckily, the boys were riding scooters and managed to escape unharmed.

Conservation officer Peter Pauwels said his office was not made aware of the incident. However, he did say that running away from deer displaying aggressive behaviour isn’t the best option.

“Back away slowly, don’t turn your back or run away,” Pauwels said. “Try and put something like a car or door between yourself and the animal.”

Unfortunately, that’s not always possible.

Sixty-two-year-old Pam Guilbault was knocked unconscious after being attacked by a large buck while riding her bicycle in Oak Bay on Nov. 21. The incident left her with a concussion and unable to move her right arm.

The municipality is moving forward with a birth-control program in conjunction with the province, but residents have concerns.

Thomas Pressello wrote to the Oak Bay News suggesting it might be time to cull or relocate the deer. But according to Mayor Kevin Murdoch, that’s not on the table.

“We don’t have any authority to touch the deer. They belong to the province,” explained Murdoch. “Our animal control is strictly for domestic animals. The police get involved if an animal is severely injured, but not for healthy animals.”

Murdoch expects to a see a report from the Urban Wildlife Stewardship Society with deer population estimates in the future, but until then it’s almost impossible to accurately guess Oak Bay’s deer population, he said. In the meantime it’s important that residents make the conservation office aware if they have any negative animal encounters.

“These incidents are a very good reminder that we can’t let this issue slide. It’s likely that immune contraception will be a solution long term, the harder question is what can we do in the short term.”

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With the provincial election on Saturday, a local seniors group reminds voters to think about elders

A request for a tax exemption by the Langley Food Bank has prompted a review of the way such requests are handled by Langley City (Langley Advance Times file)
Langley City reviews tax breaks after turning request by food bank

Was one of four groups asking to be added to the tax exemption list

This 2020 electron microscope image made available by the National Institute of Allergy and Infectious Diseases shows a Novel Coronavirus SARS-CoV-2 particle isolated from a patient, in a laboratory in Fort Detrick, Md. THE CANADIAN PRESS/AP-NIAID/NIH via AP
COVID case confirmed at Fort Langley Seniors Community

One of five new cases reported by Fraser health Authority

Langley’s Ken Cormack (L) and Craig Brown won the B.C. Match Play Net Championship on Sunday, Oct. 18 in Richmond (Courtesy Ken Cormack)
Two ‘dads’ from Langley win B.C. Match Play Net Championship of golf

‘We were just doing it to have fun and have a laugh’

John Horgan brought the NDP campaign to Langley on Wednesday, Oct. 21, just three days before the B.C. vote (Matthew Claxton/Langley Advance Times)
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Predicts gains, says people are looking at the party ‘differently’ after three years

Mary Foote (right) took part in the Gutsy Walk in August 2020 at the age of 104. She was joined by son in-law Clarence and daughter Edith Olson. (family photo)
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In August, Mary Foote took part in the Gutsy Walk to battle Crohn’s and Colitis

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One crisis after another for Trudeau since last federal election one year ago

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Only $5 for 3 months. Save 83%.
Only $5 for 3 months. Save 83%.

What to know as postseason journey begins for Michigan State women's basketball

Brian Calloway
Lansing State Journal

There were two clear trends that emerged during the regular season for the Michigan State women's basketball team.

The first was an ability to beat anybody. That was evidenced by victories over three teams - Oregon, Iowa and Maryland - projected by the NCAA women's basketball committee as among the top-16 overall seeds for the NCAA tourney in a reveal Monday.

The second was issues in winning on the road. with the lone Big Ten victory away from Breslin Center for MSU coming nearby in Ann Arbor against rival Michigan.

The road struggles have been the biggest question facing the Spartans over the past two months.

Those issues have been backed up by the numbers, with MSU averaging 11 fewer points, giving up nine more points per game and having a shooting percentage that is 7.2 percent lower on the road.

Michigan State's Taryn McCutcheon, left, scores as Indiana's Jaelynn Penn defends during the second quarter on Monday, Feb. 11, 2019, at the Breslin Center in East Lansing.

The road trend will have to change if the Spartans hope to find success in the postseason. And that journey begins at noon Thursday when ninth-seeded MSU (19-10) faces Northwestern (16-13) in a second-round Big Ten tournament contest at Bankers Life Fieldhouse in Indianapolis, Indiana.

Success for MSU starts with energy

If the Spartans are to find some success over the next few weeks, they will have to compete with a high energy level.

That has been missing at times for MSU, which went 1-8 away from home in Big Ten play while finishing tied for seventh with Minnesota and Northwestern in the final standings.

"I think when we've had that (energy and effort) in Big Ten play, we have the ability to do well," MSU coach Suzy Merchant said. "There's other times when sometimes our energy is a little bit lower than the team we're playing for whatever reason and that's kind of the lessons that we've learned (from the season)."

"We can obviously play with the best teams in the country and even beat them, but when we don't have that kind of energy, effort, focus and attention to detail sometimes, that's been a little bit of our nemesis."

Leaning on All-Big Ten quartet

The Spartans had four players earn All-Big Ten recognition in Shay Colley, Jenna Allen, Nia Clouden and Taryn McCutcheon.

And getting consistent performances from all four will play a vital role if the Spartans hope to pick up some postseason victories.

Colley was a first team All-Big Ten selection by the coaches and earned second team honors from the coaches. She is MSU's leading scorer at 14.7 points. Allen, who ranked second in scoring for the Spartans at 12.5 points per game, was a second team All-Big Ten selection.

Cloudeen and McCutcheon were each honorable mention All-Big Ten picks and have started all 29 games for the Spartans. Clouden, who was also named to the All-Freshman team, averaged 12.1 points. McCutcheon has averaged 10.1 points and knocked down a team-best 71 3-pointers.

How to watch

No. 9 Michigan State vs. No. 8 Northwestern

When: Noon, Thursday

Where: Bankers Life Fieldhouse (Indianapolis, Indiana)

TV: Big Ten Network

What's ahead: The winner advances to face top-seed Maryland in a quarterfinal at noon Friday.

Contact Brian Calloway at Follow him on Twitter @brian_calloway.


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New Delhi, September 20: Trinamool Congress (TMC) lawmaker Derek O'Brien lashed out at the government following the passage of two controversial farm Bills in the Rajya Sabha. The West Bengal MP claimed that the rules of Parliament's Upper House were violated as the Speaker blocked division of votes despite several Opposition members seeking it. Opposition Submits No-Confidence Motion Against Rajya Sabha Deputy Chairman Harivansh Singh.

O'Brien further alleged that the government censored Rajya Sabha Television and blocked the live feed of RSTV to prevent the nation from knowing what transpired inside the House amid the chaos. "We (Opposition MPs) have the evidence. We will release it at the right time," he said. Agricultural Reform Bills: Rajya Sabha Passes 2 Farm Bills Amid Protests by Opposition Leaders And Farmers.

"They cheated. They broke every rule in Parliament. It was a historic day. In the worst sense of the word. They cut RSTV feed so the country couldn't see. They censored RSTV. Don’t spread propaganda. We have evidence," O'Brien said, as he tweeted a video from the central hall of the Rajya Sabha. Farm Bills: What Are The 3 Legislations Brought by Modi Government? Why Are Farmers Protesting? All You Need to Know.

In another video, shared by O'Brien from outside the Parliament building, he claimed that 13-14 Opposition parties are sitting on a dharna inside the Rajya Sabha premises to mark their angst against the passage of farm Bills without the decision of votes. "As per the rules, even if one MP seeks a division of votes, then it is necessitated," he pointed out.

Watch Video Shared by Derek O'Brien

Two of the three controversial agriculture reform Bills - Farmers’ Produce Trade and Commerce (Promotion and Facilitation) Bill, 2020, and Farmers (Empowerment and Protection) Agreement on Price Assurance and Farm Services Bill, 2020 - were passed in Rajya Sabha via a voice vote amid ruckus and protests.

The Bills were cleared in the Lok Sabha on Friday, and had subsequently led to the swelling of protesters across Punjab and Haryana. Despite assurances issued by Prime Minister Narendra Modi on the minimum support prices (MSP), the protesting agrarian outfits have refused to relent.

(The above story first appeared on LatestLY on Sep 20, 2020 05:34 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website


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Costa Mesa City Council to weigh changes for group homes and sober-living homes

Costa Mesa City Council members are slated Tuesday to discuss a slew of proposed changes to the city’s rules regarding group homes and sober-living facilities.

The staff-submitted revisions, which the Planning Commission reviewed last month, include proposals aimed at keeping former sober-living residents from becoming homeless.

Should the council sign off, operators would have to notify a person’s contact of record if he or she is evicted or otherwise involuntarily discharged from a group or sober-living home, which generally house recovering drug addicts and alcoholics who are considered disabled under state and federal law.

Operators also would have to contact the city’s Network for Homeless Solutions and the Orange County Health Care Agency’s OC Links Information and Referral Line to determine what services might be available and share that information.

Currently, the city requires operators of group homes in areas of multifamily residences to make transportation available so residents who are involuntarily removed can get back to their permanent addresses or the ones listed on their driver’s licenses.

Staff is recommending the council expand that so operators of group homes with six or fewer residents in single-family neighborhoods do the same.

In some cases, council members will have to choose whether to go with staff’s recommendations or follow Planning Commission advice.

For instance, commissioners recommended the council adopt rules prohibiting more than one probationer or parolee from living in a single sober-living home at one time.

Staff doesn’t support that, however, as “state law restricts where persons falling into these categories may reside” and “such a provision would likely be preempted by state law,” according to the agenda.

Planning commissioners also suggested the council require operators pay a transient occupancy tax — typically charged for motel or hotel rooms — on stays shorter than 30 days in group homes or licensed alcohol and drug treatment facilities in residential areas.

Should council members wish to pursue that, staff recommends they “initiate an effort to impose this tax on all short-term rentals throughout the city,” the agenda states.

The Planning Commission also recommended maintaining existing city regulations dealing with how close sober-living facilities can be to one another in residential areas.

In 2014, the council adopted an ordinance requiring that sober-living homes with six or fewer occupants in single-family neighborhoods be at least 650 feet apart. The council created similar rules for such homes in multifamily areas the following year.

City officials say the goal of the distance requirement is to prevent sober-living facilities — which critics say can disrupt neighborhoods, increase crime and noise and contribute to parking and traffic problems — from clustering too close together in residential areas.

Tuesday’s council meeting starts at 6 p.m. in City Hall, 77 Fair Drive.

Twitter @LukeMMoney


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What We're Watching: A Comedy About A Bank Robbery

Mischief Theatre tackles the challenge of following-up some of the best comedies to grace the stage in recent years with confidence and style. The Comedy About a Bank Robbery is a marked departure from the Company’s early works. There is move away from contemporary UK-based settings and a fondness for theatrical in-jokes towards what, initially at least, appears a more conventional method of storytelling.

The Comedy about a Bank Robbery is set in late 1950s / early 1960s Minneapolis where crime is rampant. Escaped convict Mitch (Liam Jeavons) plans to steal the Maguvin diamond but his sidekick Neil (David Coomber) is more a liability than an asset. Robin Freeboys (Damian Lynch), the manager of the bank where the diamond is stored, is corrupt and, to conceal his own misdemeanours, has arranged extra security. Freeboy’s daughter Caprice (Julia Frith) is a confidence trickster and has fallen in love with pick-pocket Sam (Sean Carey) but neglected to mention that she is also Mitch’s girlfriend. What could possibly go wrong?

Although the Mission Impossible-style parody promised by the posters is delivered in the second act, authors Henry Lewis, Jonathan Sayer and Henry Shields seem more influenced by classic comedies than by thrillers. Scenes involving a character being repeatedly struck about the head or exasperation arising from misunderstandings about a person’s name bring to mind classic Three Stooges routines and Abbott and Costello’s "Who’s on first" gag.

There is a noticeable move towards verbal humour to supplement the slapstick gags that Mischief Theatre has used so well in the past. This is not to say the physical humour is ignored but the manner of presentation has changed. While the Company’s previous plays drew humour from malfunctioning props, this time there is a more sophisticated approach—George Hannigan plays three separate characters and, at one point, performs a gloriously silly fist fight between them.

The first act is the more conventional; the period is set with doo-wop songs performed live by Ashley Tucker making the most of her move up from understudy. Yet even with the musical numbers, humour shines through—a Gospel choir has the moment that secretly we have always longed to see: a member who cannot quite get the dance moves right.

The second act is close to comedy gold as the plot threads from the first act are spun together. It may seem a strange thing to praise in a comedy troupe but what is particularly impressive about the cast is their discipline.

David Fairley’s sets are assembled like flat-pack furniture while the action is underway but his masterpiece is designing a set creating the illusion we are looking at an office from the viewpoint of robbers crawling through overhead air vents. For the scene to work, the cast playing the office workers are positioned on the walls of the theatre held in place by wires and casually performing daily tasks while ignoring the fact that gravity is causing havoc. It is the comedy highpoint leading to stunning verbal and physical punchlines.

The Comedy about a Bank Robbery is so good it leaves the audience wondering if Mischief Theatre can continue to improve and really looking forward to finding out.

Copied without permission from The British Theatre Guide website

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A view of the Atomium in Brussels on a bright, stormy afternoon.
A slice of Autumn, taken on a walk along the Thames in Maidenhead.
Autumnal Slice
A beautiful reflection on the Colorado River at the bottom of Glen Canyon.
Surreal wooden post reflections at Newtown Marshes on the Isle of Wight.
Cloud Atlas
A tree eerily lit up on the night walk across Kew Gardens as part of their Festival of Light.
A water reflection of Glen Canyon in the Colorado River, turning the water into rippling copper.
A double exposed view through the safety glass from the Top of The Rock in New York.
Double Skyline
An electrified looking jellyfish at the waterside aquarium in Crete.
Electric Jelly
A manipulated photo of one of the bridges on the Jubilee river, inbetween Maidenhead and Windsor
The glow of  a red light through the winter trees. Looking more like an ethereal vein covered heart.
Heaven and Earth looking like one and the same - a perfect reflection.
Heaven and Earth
A game of jacks in the palm of your hand, or the Atomium in Brussels? You decide.
Looking down the lift shaft, waiting for the vessel to take me back to Earth.
One of the staircased escape routes into, or out of the Atomium in Brussels.
A digitally manipulated colour photograph of the Thames, in Maidenhead
Liquid Light
A n ironic 'art' shot of one of my favourite contemporary lampshades.
A watery sandy beach at sunset, shimmering like pure liquid gold.
A hole filled leaf in the botanical greenhouse in Balboa Park, San Diego. Swiss cheese holes, plant veins and chlorophyll - not a cheese I would like to eat!
Not so Swiss Cheese
An abstract, and slightly surreal close up of one of my artistic lampshades!
An alien green glow highlighting one of the larger trees in Kew Gardens.
Pea Soup
The electric retro colours of the travelator tunnel leading the way from the Atomium.
Runway 90
A surreal depiction of a starry sky over the Jubilee River in Maidenhead
The slope of sunset colours striped over a cold, softly rippling winter sea.
Sunset Slope
An unusual light sculpture at the annual night garden in Kew Gardens
A speeding tram, heading into warp drive away from St Vitus Cathedral in Prague.
Time Travel

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Business & Finance Law HERO

Business & Finance Law Program

Last decade's financial crisis has spurred the emergence of Washington, DC as one of the world’s major centers of finance and law and made the study of business and finance law more important than ever before. GW Law offers an integrated and intensive program for the study of the laws governing economic and financial markets and institutions, as well as corporate law, commercial law, tax law, bankruptcy law, accounting law and the laws governing U.S. and international business transactions.

The business and finance curriculum at GW Law is both rich and diverse, including both basic and advanced courses, allowing students to design a curriculum suiting their own interests and career plans.

In addition to GW Law's location in Washington, DC and world-renowned faculty supporting strong ties to the capital's many governmental, regulatory, and non-profit institutions of importance to business and finance, the Business and Finance Law Program maintains close contact with the large and active community of GW Law alumni in business and finance legal practice in New York, and conducts regular activities in New York, including our flagship GW in New York residential program for select JD students.

JD Concentration in Business & Finance Law

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News & Updates

Celebrating 10 Years of the Dodd-Frank Act

On the 10th anniversary of the signing of the Dodd-Frank Act, GW Law co-hosted a virtual conference featuring discussions with the bill’s namesakes and key architects. Former President Obama addressed attendees saying, "the Act has helped prevent a financial crisis in the face of the global COVID-19 pandemic."

Full video and program

Federal Reserve Board Governor Jerome Powell and Chairman of the Commodities Futures Trading Commission Christopher Giancarlo

Event Highlights

The Business and Finance Law Program organizes an active schedule of outside speakers on a wide range of topics. Three of the major areas of emphasis connecting recent events have been global financial stability, innovation and entrepreneurship, and business leadership and judgment.

View past event highlights

Faculty in the News

"Analysis: Google Antitrust Case to Turn on How Search Engine Grew Dominant - Experts"

October 21, 2020

William E. Kovacic is quoted in Reuters about the battle DOJ is facing from a business-friendly judiciary in its case against Google.

"Opinion: Are You a Stock Investor with Time and Money? These Top Companies Want You"

October 20, 2020

Lawrence A. Cunningham writes in MarketWatch that corporations benefit from attracting quality shareholders who support long-term thinking.

"Why Breaking Up (Google) Is So Hard to Do"

October 20, 2020

William E. Kovacic is quoted in Politico about how the courts have historically treated the idea of the breakup of big companies.


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After 13 years covering Hollywood, Bernard Weinraub, the veteran New York Times reporter, is calling it quits. He flew to New York and met with his bosses Thursday to tell them he has decided to retire from the newspaper at year’s end. On Friday, he sent the Los Angeles bureau an email announcing his plan to “embark on a new adventure.”

His announcement took executive editor Bill Keller and cultural news editor Jonathan Landman by surprise since no one at the NYT had discussed retirement with Weinraub, who has been one of the paper's most recognizable and enduring bylines. “Yes, it was Bernie's choice, delivered as a considered, grown-up decision, not something he was willing to be talked out of,” Keller told LA Weekly Monday by email. “I'll let him explain the reasons, but he wants to reinvent himself one more time….He's a master of second, third and fourth acts. This is just the latest.”

Keller immediately offered Weinraub a freelance contract, details of which will be worked out in the coming weeks. “I've asked him to retain a writing and idea-generating relationship with the Times, and he has agreed,” Keller noted.

About Weinraub's career, Keller said, “Bernie is now enshrined in our short-term memories as the guy who pretty much invented serious newspaper coverage of Hollywood. That's a valid memory – he's still the bar new Hollywood beat reporters are urged to get over.”

“It’s been a great ride,” Weinraub told LA Weekly. “Most of all, I want to thank the Times. They took me on as a copy boy, sent me all over the world, and changed my life. And I’ll always be deeply grateful for that incredible opportunity.”

A one-time foreign correspondent (Saigon, Belfast, New Delhi and London twice), Pentagon reporter, political writer and White House correspondent, Weinraub left Washington D.C. and became the NYT’s Hollywood correspondent in 1991. After his 1997 marriage to Columbia Pictures president Amy Pascal, Weinraub was given the new title of senior West Coast cultural correspondent and eventually moved out of the movie beat and into more general entertainment coverage.

Recently, Weinraub has primarily reported on television, while his wife has become co-chairman of Sony Pictures. “Covering Hollywood changed my life, too, because I met somebody I love. And that changed my life in the best possible way,” Weinraub told LA Weekly. (In addition to two grown children by a first marriage, he has a four-year-old son with Pascal.)

In the email to his L.A. bureau colleagues, Weinraub wrote, “I hate the word ‘retire’ because it makes me feel incredibly ancient. I’ve been thinking about this for awhile. Actually a long time. I just think it’s time to embark on a new adventure.”

About his future plans, “I want to do some of my own writing, more personal stuff. I want to try some different kinds of writing. I want another chapter in my life,” explained Weinraub. He has long done considerable magazine work, especially Playboy interviews, and, back in 1983, had a book published.

Weinraub told the bureau that Keller and Landman “were incredibly flattering and generous” when he met with them. Both editors want him to write a long and reflective look back at his time in Hollywood before he leaves the end of December. “And I’ll probably take that long to clean up my office,” he said in his email. That’s no joke: Weinraub’s chaotic clutter is the stuff of legend inside and outside the bureau.

Landman told NYT staffers on Friday that he will start looking for a replacement for Weinraub as soon as possible.