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How to Factor Social Security into Your Safe Withdrawal Rate

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How to Factor Social Security into Your Safe Withdrawal Rate

The best time to file for Social Security depends on the ages and income histories of both husband and wife. That being said, filing for Social Security at age 70 or at least after age 66 is usually best.

For those who retire earlier, these gap years between your last paycheck and your first Social Security check can be difficult. To weather those five or more years, you will need to withdraw from your savings, but this begs the question, how much should you take out?

Our previously written article on “Safe Withdrawal Rates” provides most of the answer. However, that calculation does not include your Social Security benefits. Factoring those benefits is complex but the extra dollars it provides you for the gap years can be significant.

Here is how you can do the calculation to pull the future benefits of Social Security forward while still filing for Social Security late.

1. Acquire your estimated Social Security benefit sheet.

You can do this at any time by submitting a request for a Social Security Statement.

2. Determine your ideal filing age.

You can do this using online Social Security optimization tools or you can assume age 70, especially if you are single.

3. Calculate your monthly benefit at your ideal filing age.

To do this, take your benefit at full retirement age from your Social Security Statement and multiple times the modifier from the table below:

Age Modifier
70  1.320
69  1.240
68  1.160
67  1.080
66  1.000
65  0.933
64  0.867
63  0.800
62  0.750

For example, if your benefit was $2,000 per month at full retirement age, your age 70 benefit would be $2,640 per month ($2,000 * 1.320).

4. Adjust the estimated benefit by underreported inflation and stretch the adjusted benefit to your desired retirement age.

Social Security is indexed to the official inflation numbers, but the CPI index normally understates the actual inflation experienced by retirees by 1% annually. As a result, the next step is to discount the amount of future Social Security payments by 1% per year.

Then, take this inflation-adjusted benefit and determine how much you can advance to your desired retirement age from your savings such that later when you file for Social Security, your future investment growth and retirements benefits will supplement your withdrawals.

To save time on this calculation, you can do this step by looking up your ideal filing age and desired retirement age in the table below to return the percentage of your ideal filing age benefits which you can add to your safe withdrawal rate starting at your desired retirement age.

Retirement Age Filing Age
66 67 68 69 70
50 38.34% 36.35% 34.44% 32.61% 30.85%
51 40.23% 38.15% 36.14% 34.22% 32.37%
52 42.23% 40.04% 37.94% 35.92% 33.98%
53 44.34% 42.05% 39.84% 37.72% 35.68%
54 46.58% 44.17% 41.85% 39.62% 37.48%
55 48.95% 46.42% 43.98% 41.64% 39.39%
56 51.46% 48.80% 46.24% 43.77% 41.41%
57 54.13% 51.32% 48.63% 46.04% 43.55%
58 56.95% 54.00% 51.17% 48.44% 45.83%
59 59.95% 56.85% 53.87% 51.00% 48.24%
60 63.15% 59.88% 56.73% 53.71% 50.81%
61 66.54% 63.10% 59.79% 56.60% 53.54%
62 70.16% 66.53% 63.04% 59.68% 56.46%
63 74.02% 70.19% 66.51% 62.96% 59.56%
64 78.14% 74.10% 70.21% 66.47% 62.88%
65 82.55% 78.27% 74.17% 70.22% 66.42%
66 87.26% 82.74% 78.40% 74.23% 70.21%
67 87.53% 87.53% 82.94% 78.52% 74.28%
68 87.81% 87.81% 87.81% 83.14% 78.64%
69 88.10% 88.10% 88.10% 88.10% 83.33%
70 88.38% 88.38% 88.38% 88.38% 88.38%

For more filing or retirement ages, contact us and request them. These numbers are generated assuming a 3% investment return over real inflation.

5. Sum your safe withdrawal rate and stretched social security benefits.

The last step is to add together your safe withdrawal rate from your retirement savings and this newly calculated percentage of your ideal filing age benefit. The result is your early retirement safe withdrawal rate.

As a result of these calculations, even at age 70 we suggest that you spend 88.38% of your monthly check and save and invest the remainder to cover future years when your CPI Index increase doesn’t quite cover your actual expenses.

If you are younger than age 65, the projection on the Social Security Statement is likely incorrect. The statement assumes that you will be working at your current salary through age 65. If you are trying to retire earlier, then the benefit may be overestimated. That being said, if you are likely to receive substantial salary increases, then the benefit may be underestimated.

If you are concerned about overestimation, do the following:

1. Look at Your Earnings Record on your Social Security Statement and total 35 years of earnings, using zeros for years where you won’t have worked at least 35 years because you are retiring early.

2. Divide by 35 to get your average earnings per year.

3. Put your average earnings per year in the “earnings in the current year” field of the Social Security Quick Calculator. (Use the “today’s dollars” setting.)

The resulting page will show you an alternate estimated benefit for full retirement age to utilize in the above described calculations.

Imagine someone who could receive $24,000 a year at age 66, the full retirement age.

They want to retire early at age 62, and they are tempted to start receiving their Social Security benefits early as well. At age 62 the Social Security modifier is 0.75 and their annual Social Security benefit would only be $18,000. Discounted to 86.22% for a 1% lower growth than inflation and we would recommend only spending $15,520.

Compare that with retiring at age 62 but continuing to let your Social Security grow until age 70. At age 70 the Social Security modifier is 1.32 and their annual Social Security benefit would be $31,680. Pulling that benefit forward to age 62 and adjusting for a 1% lower growth than inflation discounts that amount to 56.46%. This would result in an annual spending of $17,885 or a standard of living 15.24% greater than if you took Social Security benefits early.

Carefully computing and adding your Social Security early retirement safe withdrawal rate can safely boost your early retirement standard of living without jeopardizing your future finances.

Photo used here under Flickr Creative Commons.

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5 Star
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3 School Rd, Sale, Cheshire, M33 7XY

0161 972 0400

Founded in 2006 and long recognised as one of Sales top restaurants, our philosophy is a mix of the highest quality ingredients, perfect service and a welcoming atmosphere.

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5 of 5 stars – Reviewed 10th January 2015

Friendly staff amazing food good service and value go often it’s that good going again soon,alway recommend it to people if they looking for somewhere to go we had our xmass work meal there everyone include some that don’t normally like spicy food but with a large choice of food it caters for all.

“Warm welcome and hot curry”

5 of 5 stars – Reviewed 28th March 2015

Went to Massala Lounge after a couple of years living away from Sale. The food was still excellent and we received a great welcome from the staff! Still by far the best curry spot in Sale.

“Cannot fault it”

5 of 5 stars – Reviewed 28th April 2015

We have eaten here a number of times and have never had a bad experience. The staff, especially the manager/owner, are very friendly and helpful. The food is consistently good, irrespective of how busy the restaurant is, and the price is very reasonable indeed.
I definitely would recommend this restaurant to anyone who enjoys the finest Asian cuisine. (Unlike it’s newest competitor just up the road, which seems to attract more reviews than actual customers, the Massala is the real deal!)

“Every weekend visitors”

5 of 5 stars – Reviewed 12th May 2015

Best food ever – chef cooks to my request. Very friendly staff. Barman – very funny and very technical. Wireless available. Amir the boss – Always chatty, our ‘special table’ always saved for us. Whole of the staff treat us like ‘royalty’.

“Great food”

5 of 5 stars – Reviewed 9th May 2015

Have been here many times, love the food. Have found it great for large groups of friends too, had my hen party here and the food all came out together and was all hot and everyone was happy with what they had.
We usually have the week day early bird special which you can get before 7 o clock. It’s a smaller menu which you choose from the options, the food is always nice and it just means we can go in more often because its good value!
We usually walk to massala lounge… Past 4 other Indian restaurants!

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Please contact us via 0161 972 0400 to place your order. Takeaway menu coming soon.

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Every Thursday £9.45

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Thali 3pm-10pm.
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Aakhir Doctor Ne Bimari Dhoond Hi Li

Ek Old Lady Apni Gas Ki Problem Se Tang Aakar Doctor Ke Paas Jaati Hai.

Old Lady: “Doctor Saab, Mujhe Gas Ki Bahut Problem Hai. Lekin Isse Dusron Ko Koi Takleef Nahi Hoti Kyu Ki Na To Meri Gas Mein Badbu Hoti Hai Aur Na Hi Awaaz. Main Aapke Clinic Mein Baithe Baithe Hi 20-5 Baar Gas Chhod Chuki Hun Lekin Kisi Ko Bhanak Tak Nahi Hui.”

Doctor Calmly: “Koi Baat Nahi Maine Ye 1 Hafte Ki Dawayi Likh Di Hai, Ye Aap Le Lena Aur Ek Hafte Baad Aana.”

Old Lady Ek Hafte Baad: “Ye Aap Ne Mujhe Kya De Diya.”

Doctor: “Kya Ho Gaya?”

Old Lady: “Doctor Saab, Meri Problem To Abhi Bhi Theek Nahi Hui, Awaaz To Abhi Bhi Nahi Aa Rahi Lekin Bahut Hi Zehrili Badbu Aa Rahi Hai.”

Doctor: “Good, Iska Matlab Aapki Naak To Theek Ho Chuki Hai, Ab Hum Aapke Kaan Ka Ilaaz Karte Hain.

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Sound of Raaz Lyrics – Raaz Reboot | Emraan Hashmi

Sound of Raaz lyrics from Raaz Reboot

Sound Of Raaz Lyrics from Raaz Reboot hindi movie: theme song feat. Emraan Hashmi, Kriti Kharbanda, Raaz 4 theme song sung by Jubin Nautiyal. Music composed by Jeet Gannguli with lyrics by Rashmi Virag.

Song: Sound Of Raaz
Movie: Raaz Reboot (2016)
Singer: Jubin Nautiyal
Lyrics: Rashmi Virag
Music: Jeet Gannguli

Sound Of Raaz Lyrics

Raaz ankhein teri
Sab bayaan kar rahi
Sun raha dil teri khamoshiyan

Kuch kaho na suno
Paas mere raho
Ishq ki kaisi hai ye gehraiyan

Saaya bhi jism se
Hota hai kya juda
Jitni bhi zor ki ho aandhiyan

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Home | People | Seminar | Conferences | Resources

Title: The infinite dihedral group and some properties of it's group algebra

Abstract: Group algebras are easily defined rings whose properties we might study. We will start with some general results and illuminating examples. Then we will focus on rings that are CS or PP (these will be defined). An example of particular interest is the group algebra of the infinite dihedral group which has both of the properties as long as the characterisitic of the field is not 2. What other group rings share these?

Return to the seminar page.

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Please send comments about this page to Maurice Rojas at rojas@math.tamu.edu.
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Friday, May 28

A Wii Party!

This was shot during my son's 10th birthday party last weekend. Since he is a big boy now (at least he thinks so) he did not request for a magician or clown as entertainment for his party. He just wanted the adults to have fun singing videoke outside and the kids having a Wii party inside. I thought it was a great idea.

Then I remembered that we only had one television and that meant that the adults will not have a TV to use! So off we rushed to the appliance store the night before the party and bought an LCD TV. Instead of buying my son new wii accessories as a birthday gift, we decided to just buy him the LCD TV monitor for his room. I'm 11,500 peso poorer but I know that my son had a great time during his party. Yes, all the best for him as always.

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The Value of Running “Open Books”.

The Value of Running “Open Books”.

Ask yourself this – Why would you not share financial information with all employees? What do you have to hide and why?

I have found that running open books engenders trust, fiscal responsibility and team cooperation. I wanted to encourage this value onto those at my company as well. Early on I held classes to explain to my employees how to interpret the numbers; what they were looking at and why it was important. I continued these classes monthly for new employees.

While Profit and Loss information is important to owners and management, it might not seem as important to employees. That is, UNLESS they are incented and remunerated in some way to contribute to efficiency and profitability. A simple, clearly defined bonus or employee ownership plan can work, one that is not a “gimme” but one that each individual or team has to work for that will measurably improve profitability. Open books creates a system that empowers everyone at the organization, from the bottom up, to be an entrepreneur.

Everyone in my company became aware of which departments and processes gained or lost money for the company and how their precise roles contributed to (or detracted from) income. They could see what was hurting the bottom line, or rather the potential gains their roles could generate.

One report many of my employees found interesting was the business backlog report coupled with the forward looking cash flow – essentially how much known business was signed and not yet booked, and how many months ahead we could pay our bills.

One other thing – as employees are privy to significant internal confidential information it is essential to require a signed, well worded confidentiality agreement from every employee.

A business is nothing if there is no internal coordination, trust and efficiency. Empowering employees though open books along with sound business strategy is a recipe for entrepreneurial success.


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meatsafety.orgContact Us

Product dating of meat and poultry is not required by Federal regulations. However, if a calendar date is used, it must express both the month and day of the month (and the year, in the case of shelf-stable and frozen products). If a calendar date is shown, immediately adjacent to the date must be a phrase explaining the meaning of that date such as "sell by" or "use before." These dates cannot be modified if packaged under federal inspection. On the other hand, if a retailer puts the labels on products, they may be changed if the product remains wholesome.

There is no uniform or universally accepted system used for food dating in the United States. Although dating of some foods is required by more than 20 states, there are areas of the country where much of the food supply has some type of open date and other areas where almost no food is dated.

"Open Dating" (use of a calendar date as opposed to a code) on a food product is a date stamped on a product's package to help the store determine how long to display the product for sale. Open dating is found primarily on perishable foods such as meat, poultry, eggs and dairy products. "Closed" or "coded" dating might appear on shelf-stable products such as cans and boxes of food.

The following are labeling guidelines to which consumers should adhere. These guidelines ensure product safety provided safe handling procedures are performed after purchase and in home.

  • "Sell By" date - tells the retailer how long to display the product for sale. You should buy the product before the date expires. This date most often appears on processed products that are sealed in a plant, like hotdogs or sausages.

  • "Best if Used By" date - Date by which product should be used for best flavor and quality. It is not a purchase or safety date. After this date, the product could develop an off odor, flavor or appearance due to spoilage bacteria.

  • "Use-By" date - the last date recommended for use of the product while at peak quality. The manufacturer determines this date. After this date, consumers should not purchase the product.

Tip: Always follow manufacturers' handling and preparation instructions or the safe handling label that is on every package of fresh meat and poultry.

For more information, visit or contact the Meat and Poultry hotline at 1-888-MPHotline (1-888-674-6854) or visit the Meat and Poultry hotline web page at

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Ideomotor Apraxia
Ideomotor apraxia is a disturbance of voluntary movement
because of a disconnection between the idea of a movement and
its execution. People with ideomotor apraxia can still perform most
automatic movements. However, they cannot perform such
movements upon request. They also have difficulty copying
movements, using tools, or making/imitating gestures (particularly
ones that are more abstract). Ideomotor apraxia is most often due
to damage to the premotor cortex. The premotor cortex is an area
in the front part of the brain that plays an important role in motor
planning (e.g., selecting the movements to be executed).

Damage to the corpus callosum and left inferior (lower) parietal
lobe and corpus callosum have been shown to cause ideomotor
apraxia. The corpus callosum is a group of nerve fibers that
connect both sides of the brain and allow them to communicate.
The parietal lobe is the top middle section of the brain.
A person with ideomotor
apraxia may have difficulty
using a hammer on request.
FEATURED BOOK: A Parent's Guide to Childhood Apraxia of Speech

Damage to this region was traditionally thought to cause apraxia because it was believed
to contain mental representations of intended movements that precede and direct the
execution of such movements. More recently, however, evidence has emerged that the
reason may actually be because the left parietal lobe helps process the spatial
relationships between multiple objects, parts of objects, and the body so these features
can interact.
"Where Medical Information is Easy to Understand"™
Ideomotor apraxia is most often contrasted and compared to
ideational apraxia. Ideational apraxia is a disturbance of voluntary
movement in which a person misuses objects because he/she has
difficulty identifying the concept (idea) or purpose behind the

Ideomotor apraxia is also known as limb-kinetic apraxia, ideokinetic
apraxia, and transcortical apraxia. Ideomotor apraxia comes from
the Greek word "idea" meaning "form," the Latin word "motare"
meaning "to move about," the Greek word "a" meaning "to do
without," and the Greek word "pratto" meaning "to do."


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Sunday, December 16, 2018 Medina 40°

Nation & World

GOP warns time running out for Brett Kavanaugh's accuser to talk

  • Supreme-Court-Kavanaugh-7

    Senate Judiciary Committee Chairman Chuck Grassley, R-Iowa, speaks to reporters on Capitol Hill, Wednesday in Washington. Christine Blasey Ford wants the FBI to investigate her allegation that she was sexually assaulted by Supreme Court nominee Brett Kavanaugh before she testifies at a Senate Judiciary Committee hearing next week.

WASHINGTON — Republicans are warning that time is running out for Brett Kavanaugh's accuser to tell Congress about her claim he sexually assaulted her when both were teenagers, even as President Donald Trump called the woman's allegation hard to believe in one of the GOP's sharpest attacks on her credibility.

With Kavanaugh's Supreme Court nomination dangling in the balance, the chairman of the Senate Judiciary Committee said his panel still planned a Monday morning hearing that Kavanaugh and Christine Blasey Ford were invited to attend.

Sen. Chuck Grassley, R-Iowa, wrote Ford's attorneys Wednesday that the panel was giving the California psychology professor until 10 a.m. Friday to submit a biography and a prepared statement “if she intends to testify” Monday.

It remained unclear, though, whether Ford would attend or if the hearing would occur without her as a drama that has riveted Washington since emerging a week ago was injected with a fresh burst of election season suspense.

After initially saying through a lawyer Monday that she was willing to appear, Ford has since said she first wants a full FBI investigation of her accusation. Trump and Senate Republicans have been emphatic that an FBI renewal of its background checks on Kavanaugh won't happen, saying an investigation by committee staff — which Democrats are boycotting — is sufficient.

Ford's demand has been fully backed by Democrats.

Lisa Banks, a Ford attorney, wrote that Grassley's plan to call just two witnesses, Kavanaugh and Ford, “is not a fair or good faith investigation” and said “multiple witnesses” she did not name should be included.

“The rush to a hearing is unnecessary, and contrary to the Committee discovering the truth,” Banks wrote.

The standoff left both parties gambling over which of their approaches would appeal to voters in November's elections, which will determine House and Senate control.

Republican leaders trying to keep GOP senators behind Kavanaugh are offering Ford a chance to describe her allegation, either in a hearing room before television cameras or in private. Republicans have largely stood by Kavanaugh's denials.

Democrats are casting Republicans as strong-arming a wronged woman, their eyes on a #MeToo movement that has caught fire and exploded the careers of dozens of male titans.

“Republicans are trying to bully her into a rigged hearing,” No. 2 Senate Democratic leader Dick Durbin of Illinois tweeted about Ford.

Trump told reporters, “I can only say this: He is such an outstanding man. Very hard for me to imagine that anything happened.”

That remark was noteworthy because most Republicans have handled the question of Ford's credibility more gingerly. They say they want to give Ford, now a professor at Palo Alto University, every chance to tell her story.

Ford has contended that at a house party in the 1980s, a drunken Kavanaugh tried undressing her and stifling her cries on a bed before she fled.

Republicans are resisting all Democratic efforts to slow and perhaps block what once seemed a smooth path to confirmation that would promote the conservative appeals court judge by the Oct. 1 opening of the Supreme Court's new term. A substantial delay could push confirmation past the November elections, when Democrats have a shot at winning Senate control, plus allow more time for unforeseen problems to pop up.

There were signs the GOP's strategy of planning a nationally televised hearing yet also offering Ford the option to testify privately was keeping possible Republican defections in check. The party controls the Senate 51-49 and the Judiciary panel by 11-10, so it cannot afford GOP “no” votes.

Moderate GOP Sen. Susan Collins of Maine, who's had her share of clashes with Trump, said she hoped Ford would reconsider a decision not to testify and “it's not fair to Judge Kavanaugh” if she refuses. “Otherwise, there are these very serious allegations hanging over the head of a nominee who has emphatically denied them,” she said on radio WVOM in Bangor.

Going further, Sen. Lindsey Graham, R-S.C., said Democrats’ demands for an FBI investigation were a ploy to delay a confirmation vote. “It is imperative the Judiciary Committee move forward on the Kavanaugh nomination and a committee vote be taken as soon as possible,” the committee member said in a statement.

As for a possible FBI intervention, Grassley said in his letter to Ford's lawyers, “We have no power to commandeer an Executive Branch agency into conducting our due diligence.”

In a separate letter to Democrats, Grassley wrote that committee aides were “even willing to fly to California, or anywhere else, to meet her.” He also wrote that GOP aides tried to arrange interviews with two other “alleged witnesses.” The letter mentioned no names and committee staff declined to identify them.

Kavanaugh did not return to the White House Wednesday after spending the two previous days there. He spoke by phone with officials working on strategy, said an aide familiar with the proceedings but not authorized to speak publicly about private conversations.

Kavanaugh spent hours Tuesday in the Eisenhower Executive Office Building, part of the White House complex. He prepared for Monday's potential hearing with officials including White House counsel Don McGahn, Justice Department aides, White House press secretary Sarah Huckabee Sanders and communications director Bill Shine.

Shine was ousted from his previous job at Fox News in part due to his handling of sexual harassment claims at the company.

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May 13

Stuffed animals

I’ve got several thousand. All of them were gifts, and all of them were loved intensely, but briefly. And they’re taking up a ton of space and never get played with. But I can’t quite bring myself to get rid of them. Even though I KNOW I should. Even though I KNOW that I have NO space in this tiny little apartment and can’t afford to sacrifice space that could be put to better use by keeping a ginormous box of stuffed animals that never get touched.

I’m trying to talk myself into it, but it’s hard because they were all gifts, and they were all passionately loved for at least a little bit. I should limit it to five or six per kid, and get rid of the rest, right? Especially because I’ve got a new baby, and she’s going to be collecting her own stash of them soon enough.

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10 FREE ink pads are waiting for you - but only until 31st July!

Wow!! This is an AMAZING offer that you don't want to miss. Stampin' Up's super duper joining special only for the month of July - earn yourself 10 FREE ink pads! That's $117 EXTRA product in an already awesome bundle. You can choose the colour family that suits you best - in colours, regals, brights, neutrals or subtles.

This offer runs from 1st July - 31st July 2018.

The starter kit costs $169. So what's included you ask?

1. $235 of product of your choice
2. a business supply pack valued at $80
3. free shipping
4. 10 free inkpads
5. ongoing discount of 20% on future orders

You will have early access to new catalogues and information as well as access to online forums for inspiration. It's a wonderful family to join and I would love to have you on my team.

 I would love to have you join my team. There are no hard sales, no need to hold classes or parties. You can build a business or purchase your favourite products at a discount. It's totally up to you!

 If you have any questions you can read more HERE or contact me via EMAIL

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Wednesday, August 31, 2016

Costume Jewelry From a Family Friend

I was also very lucky to be able to dig through the LARGE costume jewelry collection of the relative of the family friend.  I picked all of these items...

Clip-on and screw back earrings, brooches, and sets.  Oh, and a Estee Lauder perfume in the bottom right corner.

More clip-on and screw back earrings.  One brooch in upper right hand corner.

Necklaces and a bracelet or two.

A little bit of everything.

Costume rings (minus the 1930s engagement ring from my husband's great grandmother.)

More costume rings.

Thanks for stopping by!

I hope to be back soon to share more finds.

I'm linking up at:

  1. Wow! You hit the jackpot on jewelry Melissa! Wish I had a family friend...LOL!

  2. Wow! What a haul! Love the little beaded (?) purse.

  3. I love vintage costume jewelry, so I am salivating here. It is hard to find sets of brooch and earrings intact. And I don't know why owl pendant were so popular, I see a lot of those! You are so lucky to score all this! Love the rings the most. How will you store them?

  4. Ditto what Donna said. I love vintage jewelry and you have some lovely pieces.

    1. Thank you for sharing all your wonderful vintage jewelry at Snickerdoodle.

  5. Oh I just see all of that in my studio in glass jars and maybe some of it on my creative art work. How fun was that ?

  6. Wow! What a great collection. Thank you for sharing at SYC! xx Jo

  7. Wowza--that's a great friend! Love it! Thanks for sharing the eye candy @Vintage Charm! Pinning!

  8. Now that's a whole lot of pretty! Thanks for sharing it with SYC.

  9. Its looking like all vintage collection of earrings, necklaces are available here. To have, it will make girls everyday beautiful.

Thank you for taking the time to comment! It is always welcomed and appreciated!


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Daily Archives: 06/14/2015

Plastic postcards | Cheap Postcard Printing

Personalised thank you postcards

Make postcards, Pre-owned to demonstrate directions

• Postcard prints tend to be mandatorily employed by governing bodies to map out of the directions of large tactics, road crossings. This they are doing to guide people on the direction that is right lessen highway crashes. All throughout the year, common group create render a trip to government that is different for recognized objective. This is why we observe postcard prints right in front of every federal government workplace in order to make they convenient for frequent traffic.

• frequently we stumble on postcard prints that read aloud a general alert, like “restricted area!” This Is Accomplished to be able to manage protection for website visitors and prevent entering trouble. read more


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Cristina Torres

She was born in Medellin, Colombia, 1981

‘I have always loved the images in the poetry of Arthur Rimbaud. They dazzle the mind, quicken all the senses, and create strange introspection, brooding, and melancholy. These emotions, provoked by Symbolist literature and similar genre and the ambigious dreamscapes they produce, are the beginnings of a painting. I don’t alwaysknow what I am trying to say when I start a painting and many times the outcome is just as mysterious to me as it may be to the viewer. My paintings are excuted in an unconventional combination of medias that give them a look very different from most oil paintings. I prefer the smooth surface of museum board but use canvas in equal measure. I have created a technique of layering oil paints and varnishes numerous times so that while they are smooth, a depth and richness is created that is reminiscent of the Venetian approach. Gold leaf and other collage elements are sometimes incorporated.’

Below you can see a image gallery.


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Monash researchers show stem cells help back pain

Neurosurgery research at Monash University focussing on stem cell regeneration to reduce back pain was recognised at the prestigious North American Spine Society annual meeting in Orlando, Florida last month.

Monash Health neurorsurgery registrars Dr Chris Daly (a Monash University PhD candidate) and Dr Idrees Sher (a Monash University Masters candidate) presented papers at the largest academic spine meeting and exhibition in the world.  Dr Sher won Best Science paper at the meeting.

Dr Idrees presented his research into mesenchymal precursor stem cells (MPCs) providing an alternative to surgery for disc degeneration and the management of discogenic lower back pain.  The study was published last month in the high impact The Spine Journal.

Research group leader at The Ritchie Centre (Monash University and the Hudson Institute of Medical Research) and Monash Health neurosurgeon Associate Professor Tony Goldschlager said the team is focusing on stem cell regeneration of the intervertebral disc.

“We have had success both in preclinical and clinical studies of being able to restore structure and function of the disc,” Associate Professor Goldschlager said.

“This reduces pain and improves quality of life for patients.”

“One challenge in our research has been detecting changes in the disc with MRI scans and Dr Sher’s award winning study has been able to study the disc using super high resolution (9.4T) MRI. This has produced some of the world’s first high quality images of the disc, with exquisite detail.”

In his study, Dr Sher used a number of investigation techniques including histology, mmunohistochemistry, polarised microscopy and MRI to demonstrate that MPCs provide a direct beneficial effect in the rate of repair and reconstitution in the degenerate and nutritionally compromised intervertebral discs during the first 4 weeks.

“We’ve shown MPCs provide an opportunity for earlier intervention and delay in the progression of disc degeneration,” Dr Sher said.

“Our findings provide novel insights in the actions of MPCs and support their use in degenerative disc disease, further paving the way for human trials.

Also at the annual scientific meeting in Orlando, colleague and Royal Australasian College of Surgeons Foundation for Surgery Richard Jepson Scholarship recipient Dr Daly presented his research into stem cells promoting disc healing following surgery.

“Lumbar discectomy is the most commonly performed spine surgery procedure worldwide and is very effective at relieving the symptoms of nerve compression, e.g. pain and weakness radiating down the leg, secondary to a slipped disc,” Dr Daly said.

“However, the operation fails to reverse the underlying disc degeneration and as such, up to one third of patients will progress to suffer ongoing back pain and approximately one in seven will undergo further surgery.”

Dr Daly’s research demonstrated the ability of a type of adult stem cell from the bone marrow, when ‘primed’ by exposure to an arthritis medication, pentosan polysulfate, to promote regeneration of the intervertebral disc in preclinical models following discectomy surgery.

“The treated disc appears healthier on MRI, biochemical, morphological and microscopic analysis then untreated discs following surgery,” Dr Daly said.

“This study suggests the ability of these primed cells to promote disc healing following surgery in humans and will be investigated in a clinical trial in the near future.”

This research was carried out at the Monash Health Translation Precinct (MHTP), a collaboration of Monash University Departments of Surgery, Neurosurgery, Monash Imaging and Monash Biomedical imaging and the Hudson Institute.


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What Do You Know About Experts

How to Hire the Best Personal Trainer

Always being fit is most certainly the desire of a lot of individuals. Not being restlessness is among the merits that being fit has to give an individual. For an individual to be fit, then it is necessary for them to ensure that they consider a training routine. For one to have the certainty that they will always have the training routine, then they will have to get some assistance from a personal trainer. The high chances of selecting the most reliable personal trainer will be possible if one factors in the important clues that have been mentioned below.

First and foremost, it is important for one to consider the charges quoted by the personal trainer. There is the need for an individual to hire a trainer that they can be able to afford. In order for an individual to know the exact amount of cash that they will use to pay the personal trainer, the they should consider going ahead to calculate the amount of money that they have currently. It is important for an individual to note that the most sorted after personal trainers who offer the best quality of services are often quite expensive.

Secondly, there is the importance in an individual going ahead to check on the expertise of the personal trainer before going ahead to hire him or her. The most reliable personal trainer is therefore the one that has existed for quite a long duration in the industry. An individual will then have a peace of mind that in deed the services that they will be offered are the best. This is based on the understanding that the personal trainer has acquired over the years. It is important for an individual and the personal trainer to create a schedule that they would have to follow so as not to miss any. This will ensure that the schedule will not interfere with any of the party.

Among the clues that an individual needs to look into is the king of reputation that the personal trainer that they want to hire has. This therefore means that an individual need to consider the thoughts of the public on the services that are offered by the trainer. A significant step that an individual has to therefore consider is reading the feedback that the personal trainer has been able to garner. This essentially make it possible for one to know the quality of services that they offer based on the testimonials from the previous clients. For an individual to be sure that the quality of services that they will be offered are the best, then they ill have to go for the most preferred personal trainer.

What Almost No One Knows About Health

What I Can Teach You About Tips


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All About Pan Tilt Zoom Cameras

PTZ (Pan Tilt Zoom ) is a kind of camera which can be operated remotely. PTZ cameras offer many benefits over standard security cameras. You can remotely instruct directions and can control its zoom in-out focal points.

Indeed, the view angle of standard surveillance camera can be set at the time of installation only. You cannot tilt it after you have implemented the camera. Whereas PTZ camera is flexible and can rotate at the angle of 360 degrees.

It has the capacity to cover large areas, like parking lots, rooftops, etc.

You can check out various PTZ models and their features at In fact, you can control PTZ camera through a smartphone, computer/laptop, and iPad/iPhone also.

PTZ cameras offer the best security features, that you might have never experienced in any other security device before. As High-Definition resolution cameras, powerful motorized zoom lenses, high-speed motors. This powerful combination of features can replace up to four regular security cameras.

Moreover, PTZ camera with audio can also record voice along with a video. PTZ cameras help to minimize your costs while maximizing your level of protection. PTZ cameras can also detect motion of person or object. And, hence it automatically tilts to follow the targeted object. This benefit in case of identifying theft, and unknown threats.

PTZ cameras provide a high-quality image in night vision as standard security cameras are unable to provide videos and images in poor lighting conditions. PTZ cameras use light emitting diodes which emit infrared light with the use of IR filter.

Which makes the PTZ lens to capture excellent video images in very dark conditions. Visit this link to study how PTZ cameras have managed to build their grounds in a broadcast system.


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Category Archives: Photos

Kids vs. 2016

In my mind, this year will always stand in contrast to 2015 and in every respect this year was a vast, vast improvement. This year would have had to go way off the rails to match ’15’s insanity. But in and of itself, it was a pretty good year, all around.

There were no extended hospital stays. No crazy medical maladies. No roofing disasters. It took most of the year, but as of right now, there are no contractors, contractor materials, or in-progress projects in the house for the first time in two years. It sometimes feels almost too quiet. I think Dash misses his worker friends.

Instead, 2016 brought travel. There was a big trip to California where we hit up San Francisco and Discovery Bay then down to San Diego and finally Anaheim for the girls first taste of Disney. There were also numerous trips to the Cape, some with friends and some with family. And while we stayed local for Christmas, we did navigate the Beltway for Thanksgiving in D.C.

There were small, every day victories, too. We haven’t changed sheets at 3 a.m. in quite awhile so I think we are past that potty training parenting hurdle. There were also rock star parties, karate birthdays and new schools. There were chapter books to read and letters to learn. Half marathons to race and triathlons to win. There were many domino nights and pizza-making parties. There were a lot of friends and a lot of laughs.

Can’t really complain about a life full of those things.

In the end, 2016 was mostly routine and I loved every minute of it.

Here’s the proof:

Happy New Year!

Cecilia vs. Second Grade

Cecilia is now officially a second grader. The bus came (and stopped this year) and off she went, a new grade and a new school.

She was alternately bursting with chatter and quietly withdrawn this morning, a bundle of nervous excitement. When she arrived home, it was all smiles and criss-crossing stories about her first day. I’m sure by November we will be able to piece together some semblance of her normal classroom routine, but for now, pictures of the morning….

(Note: It was pajama day at day care for Ally. Four out of five days we are with it enough to get her formally dressed before leaving the house.)

Kids vs. the Nap

Finally felt like spring was here this weekend and we did our parental duty and hit four playgrounds and let the kids loose. They hit that unsuspecting equipment like squirrels injected with high-test caffeine and we were happy sit back in the sun and let them go until they were glassy-eyed with fatigue.

It was a good thing too as the last few weeks our house has been more like a hospital ward than a home. The rampaging stomach bug hit our house hard and it was not pretty. No photos of that, but one afternoon we tried to convince the kids to take an afternoon nap on the couch. Cecilia and Dash were all for it (Cecilia will agree to anything if Frozen is on in the background). Allison also thought this couch game was a blast. She’d lie down then pop up every ten seconds and cackle.

The naps never happened, but we did get some funny photos.


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This week on Blu-ray, DVD and Digital HD from 20th Century Fox Home Entertainment and director Jonathan Levine is a mother-daughter duo that get “Snatched.”

Emily Middleton (Amy Schumer) is excited for her vacation with boyfriend Michael (Randall Park) to the exotic country of Ecuador. Of course what she isn’t expecting is that Michael is about to break off their relationship leaving Emily high and dry.

Sitting at home with her cats is Linda Middleton (Goldie Hawn) who misses her daughter Emily. She calls her daughter and discovers that Emily is single again. Immediately Linda wants her home to help through the heartbreak. Not home five minutes, Emily is confronted by brother Jeff (Ike Barinholtz) and sibling craziness happens.

Trying to find someone to take the trip, Emily finds a scrapbook of her mother’s early adventurous years and decides to convince Linda to go. Using the words “non-refundable tickets” might have been the catalyst as the two women find themselves in Ecuador.

Trying to catch sun and enjoy themselves, Linda tends to be a bit of a helicopter Mom. Emily just wants Mom to have a good time and loosen up a bit. They also meet Ruth (Wanda Sykes) and militant partner Barb (Joan Cusack) who tell the duo to be careful and trust no one on their trip.

That doesn’t stop Emily from meeting James (Tom Bateman) who sweeps her up as they get out on their own adventure. Mom Linda is happy sitting in her room reading a book when Emily returns to let her know that James wants them both to take off on a jeep ride.

Linda isn’t thrilled but agrees to go and after less than half an hour on the road, the jeep is t-boned out of the blue. When the ladies wake up they are not where they started out. It becomes clear that they are being held for ransom. Trying to escape brings even more trouble as Morgado (Oscar Jaenada) is determined to take out both women.

Trying to get through the jungle they meet Roger Simmons (Christopher Meloni) who isn’t much help and Dr. Armando (Arturo Castro) who has an ingenious way to get out a tape worm. While all this is going on, brother Jeff has contacted the US Government in the form of Morgan Russell (Bashir Salahuddin) demanding help or else as an exchange of testosterone happens between the two.

But this is women’s work, especially when Linda is taken leaving Emily, Ruth and Barb to get badass and go commando (not literally thank gawd) to set things right in a crazy showdown!

Schumer as Emily gives us a wise cracker city girl who doesn’t have it together in the slightest. Boyfriend Michael attempts to make her aware of this fact but doesn’t get very far. It is quite easy to see Schumer in this role which is probably why it seemed effortless. Undetermined to lose out on a trip and no one else wants to go; taking Mom is the last resort. I mean who really wants to take an exotic trip with their mother (says the Mom writing this review).

Hawn as Linda has cut herself off from the world and become not only a cat lady, but a cat lady who has a grown son still living at home that she cooks for. That might possibly be lower than a cat lady on the lonely lady scale actually. Hawn lets Schumer take the reigns on humor while she embraces the Mom-knows-best role.

Barinholtz as Jeffrey is just plain weird in the way he says “mama”, that being said he does take on a government official when he learns that both “mama” and Emily are in trouble. Okay, Barinholtz made me laugh up to the very end and his reference on “Game of Thrones” was awesome and I plan to use it myself someday.

Bateman as James is as cute as he wants to be and when he’s nice to Schumer’s character you kind of feel like ‘that’s sweet’ yet there is that pit that says ‘yea, not so sweet’. Sykes as Ruth is awesomely talkative delivering lines only Sykes could make you believe. Her stories are long and drawn out which makes you scream in your head ‘get to the frakken point’ yet not. Cusack as Barb is quiet and deadly which makes her only a fraction more frightening than Sykes’ character.

Shout out to Park as boyfriend Michael because he couldn’t have explained himself any clearer and honest if he tried yet I still couldn’t stop laughing. Also Salahuddin as Morgan who doesn’t take garbage from anyone – except if you threaten with “Game of Thrones!”

Other cast includes Damion Scandrick as the Kidnapper, Nicholas Lockwood as Jacob, Pedro Haro as Maco, and Tom Choi as the Colonel.

Twentieth Century Fox Home Entertainment brings award-winning global product and new entertainment to DVD, Blu-ray, and Digital HD. There amazing collection offers fans an opportunity to expand their own home libraries with the best films. To discover what other titles they have please visit

“Snatched” brings the comedy of Schumer and Hawn as a mother and daughter who won’t admit that they are a lot alike. Emily just wants to have some fun and maybe even a little romance in her unemployed life and Hawn just wants to read a book. Trying to find common ground is what being adults is all about, well maybe some adults.

This is a fast paced comedy that doesn’t have much down time in the telling. Jumping from screw up to screw up means fast lines and fast action so do try to keep up.

The Blu-ray and DVD have Special Features of Deleted Scenes, Extended and Alternate Scenes, Gag Reel and Director Commentary by Jonathan Levine. “Snatched” also comes with Digital HD making it easier to view from your television, computer, Tablet and Smartphone.

In the end – this is the closest they’ve been in years!

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About the Author

Jeri Jacquin

Jeri Jacquin covers film, television, DVD/Bluray releases, celebrity interviews, festivals and all things entertainment.


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06 Feb Every Bite is Chewy and Sweet

I love dried cherries. Their tart, sweet flavor and chewy texture add an unexpected kick to dark, rich chocolate. Perfect for sharing the love. Ingredients:  1 package of Oatmeal Chocolate Chip Milkmakers IT’S A MIX!  2 Tbsp. water (total of 4 Tbsp. water)  1/4 Cup cocoa...

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29 Sep Mix of the Month: September

I'll admit it, I love salt. That crunchy bite of flavor always has me coming back for more. If you're like me, you're going to love my Salted Caramel Oatmeal Chocolate Chip Cookies. The perfect balance of salty and sweet, crispy and chewy in one delectable...

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28 Jul Campfire Cookies

Your favorite treat adds a classic summer ingredient: roasted marshmallows. A dessert so delectable it will have you licking your fingers just like you did at the campfire as a kid. Ingredients: 1 package of Milkmakers It’s a Mix Chocolate Chip 1 packet of graham crackers (about 8 graham crackers...

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25 May Mix of the Month

This tasty treat gets its burst of flavor from exotic coconut and bright, sunny lemons. It's the perfect comfort food for warmer weather. What you'll need: Cookies: 1 bag of Milkmakers' It's a Mix, Oatmeal Chocolate Chip flavor 1 lemon coconut oil use coconut oil instead of butter use fresh squeezed lemon juice...

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25 May Sarah Adler’s Egg, Potato and Veggie Bake

Recipe:1 dozen cage free, organic eggs1 onion, chopped 3 cloves of garlic, chopped 1 package of sliced cremini mushrooms 2 handfuls of baby potatoes (cut into quarters, approx. 8-10) 1 red bell pepper 1 head of chard, kale, or spinach 1/2 cup of whole ricotta cheese 1 package of the herbs of...

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25 Nov A Recipe From Emily’s Kitchen

I came up with this delicious holiday treat this Halloween when I needed a quick treat to send with my kids to a tea party.You can whip up your own batch by grabbing a bag of Milkmakers cookie mix (see coupon below), and following this...

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SALSA MLPA P166 KCNQ2 probemix - 50 reactions

SALSA MLPA P166 KCNQ2 probemix - 50 reactions

application: Benign familial neonatal convulsion (BFNC)
region: KCNQ2 20q13.33 Detailní informace

Cena s DPH € 573.54
Cena bez DPH € 474.00
 50 react
Dostupnost Skladem
Kód produktu P166-050R

Nejnovější informace o produktu naleznete exklusivně na stránkách výrobce MRC-Holland www.mlpa.com (nové okno)

Detailní popis SALSA MLPA P166 KCNQ2 probemix - 50 reactions

P166-050R SALSA MLPA P166 KCNQ2 probemix – 50 rxn

Benign familial neonatal convulsion (BFNC) is a rare autosomal dominant disorder caused by mutations in the KCNQ2 gene. The disease is also known as benign neonatal epilepsy-1 (EBN1). BFNC is characterized by clusters of seizures occurring in the first days of life. Most patients have spontaneous remission by 12 months of age.

The KCNQ2 gene (17 exons), spans more than 70 kb of genomic DNA and is located on chromosome 20q13.33, 62 Mb from the p-telomere. The P166-C1 KCNQ2 probemix contains one probe for each exon of the gene. This probemix furthermore contains three probes in genes just upstream of KCNQ1 gene and one probe downstream of KCNQ2. In addition, 10 reference probes are included in this probemix, detecting several different autosomal chromosomal locations.

This SALSA® MLPA® probemix is designed to detect deletions/duplications of one or more sequences of the aforementioned genes in a DNA sample. Heterozygous deletions of recognition sequences should give a 35-50% reduced relative peak area of the amplification product of that probe. Note that a mutation or polymorphism in the sequence detected by a probe can also cause a reduction in relative peak area, even when not located exactly on the ligation site! In addition, some probe signals are more sensitive to sample purity and small changes in experimental conditions. Therefore, deletions and duplications detected by MLPA should always be confirmed by other methods. Not all deletions and duplications detected by MLPA will be pathogenic; users should always verify the latest scientific literature when interpreting their findings. We have no information on what percentage of defects in these genes is caused by deletions/duplications of complete exons. Finally, note that most defects in this gene are expected to be small (point) mutations which will not be detected by this SALSA® MLPA® test.

Kontaktujte nás

Ke sv. Izidoru 2293/4A
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Tel.: +420 241 401 693
Fax: +420 241 401 694
E-mail: biogen@biogen.cz

Novinky na e-mail

Vaše osobní údaje nejsou nikde zveřejňovány a splňují požadavky GDPR.


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HP iPAQ Voice Messenger videos

HP iPAQ Voice Messenger videos
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HP iPAQ Voice Messanger is a phone for those who insist on a compact mobile phone, yet need powerful voice, email, 3G and GPS features. The deceptively simple, surprisingly smart HP iPAQ Voice Messenger is small in size, but big on features.
Showing the HP iPAQ Voice Messenger preview, review, unboxing, hands-on and TV Commercial video clips. We update the collection of video in our HP iPAQ Voice Messenger video gallery section daily.

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Mobile marketing with retail coupons is a hit with consumers

Mobile Marketing Retail CouponsThis technique is proving to be highly successful for advertisers targeting shoppers with smartphones.

Major retailers have been boosting their mobile marketing efforts and, among them, coupons directed at smartphone users have been rapidly rising to the top of the priority lists as consumers show that they love them.

These new forms of discounts appear to be taking over where daily deal giants have left off.

Discount coupons are now being worked into mobile marketing on virtually every level. As a result, consumers are now searching for them before they make many different kinds of purchases through their computers and their smartphones and tablets. This is changing the commerce environment, as these shoppers aren’t just limited to the searches when they’re at home on their PCs, but can perform their queries while they’re within the walls of a store.

This has helped to further the use of “showrooming” which has become a central element of mobile marketing.

Though showrooming was once seen as a nightmare for retailers, they are slowly starting to embrace the behavior as an opportunity for mobile marketing. Instead of trying to fight it off entirely, it is a matter of proper use.

According to the RetailMeNot Inc. senior vice president of external affairs, John Faith, “retailers have an opportunity to combat showrooming by reaching those consumers when they are engaged and ready to make a purchase.” While there is no way to stop consumers from showrooming, the trick to effective mobile marketing is to make sure that the end result of the behavior is a purchase from their own store.

Smartphone friendly coupons can help to improve the appeal of shopping within the store as opposed to seeking out an alternative at a competing retailer. Companies are using this form of mobile marketing to embrace the fact that consumers are going to use their devices in store to find a better deal. The key that they can provide is to make sure that this “better deal” remains the in store purchase.

These claims from Faith have been supported by the latest comScore data, which shows that retail is the second most rapidly growing category for mobile marketing with coupons.

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Mobile payments partnerships snatched up by Isis

The carrier backed digital wallet has just tied up a number of contracts to help its expansion across the nation.

Isis, the mobile payments wallet that is backed by three of the leading carriers in the country has recently announced that it will be going nationwide before the end of the year and it has just tied up a number of important contracts ahead of that rollout.

The announcement is following the pilot trials that have been held at Salt Lake City and in Austin.

The mobile payments wallet has partnered up with Amex, and Chase. The most recent partnership is with Chase, so that their Freedom, Sapphire, Slate, and JP Morgan Palladium cards will be supported by the service. Isis has already reached similar deals with both American Express as well as with Capital One. Once the cards have been loaded into the Isis app, they can be used for completing transactions at any retailers that accept this form of payment.

The mobile payments wallet from Isis is based on NFC technology.

Isis mobile paymentsThis means that in order to make mobile payments through the app, the user simply has to tap the device against an NFC technology enabled point of sale terminal. That said, it has been acknowledged by many industry experts that the adoption of devices that feature this technology remains quite slow. Moreover, there is a great deal of confusion among consumers regarding which devices do and do not have NFC technology. Moreover, Apple has not yet adopted this tech at all in any of the devices that it has released.

It has been suggested that Isis may have a contingency plan that will help to boost its initial traction by holding off its primary focus as a mobile payments service and focusing on the other elements of the wallet app, such as loyalty rewards and smartphone friendly couponing. These have been important drivers in mobile commerce, so it could be that they can make all the difference in boosting the popularity of the app.

This most recent news of the mobile payments partnership with Chase has only managed to open more doors for Isis, as it grows the number of cards that it can support.

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On Track Innovations introduces COPNI Wave

COPNI Wave brings NFC to all mobile devices

On Track Innovations, a leading develoCopni Wave Mobile Technologyper of contactless smart card technology, has announced a new version of its popular COPNI platform, called COPNI Wave. The COPNI Wave is being billed as the mobile industry’s first device that can give any existing mobile phone NFC capabilities.  The device could be a big hit amongst consumers that are interested in mobile commerce but do not have access to an NFC-enabled smart phone or tablet. Using the COPNI Wave, these consumers will be able to participate in mobile commerce without having to pay exorbitant amounts of money for a new smart phone.

New devices aims to close the gap between NFC technology and mobile consumers

The COPNI Wave can attach to any mobile device through that device’s headphone jack. Once connected, the COPNI Wave will interface with the mobile device and give it NFC capabilities. With the new attachment, consumers without NFC-enabled smart phones will be able to interact with a wide array of NFC-based content, much of which can be found in interactive advertisements. These consumers will also be able to make payments for goods and services using their phone, provided that they have a mobile commerce application installed.

Lack of NFC-enabled mobile devices may be a problem of the past

With the introduction of the COPNI Wave, On Track Innovations hopes to solve one of the most significant problems facing mobile commerce today. That is the lack of NFC-enabled mobile devices. Because mobile commerce hinges on NFC technology to facilitate payments, those without NFC-enabled phones cannot participate in transactions. NFC-enabled mobile devices are currently rare, making the audience for mobile commerce somewhat limited.

On Track Innovations continues to show major progress in the realm of mobile commerce and NFC

Despite some of the challenges inhibiting widespread adoption, mobile commerce is not considered to be a passing fad. On Track Innovations is keen to stay on the forefront of NFC technology and ensure that it plays a large role in the emerging mobile commerce industry. The company has already solidified its place a a leading provider of NFC solutions in the U.S., thanks to numerous patents awarded to the company from the U.S. Patent and Trademark Office.

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Clear Water Acrylic Water - 2205
Reviews | Add review

realistic water effect - 250 mL

0,350 KG

€ 8,45
Price per Piece

Stock :

This product has been specifically formulated to realistically represent any kind of water, such as oceans, rivers, lakes, waterfalls and even icy surfaces. This reference has the deep blue sea tint characteristic of deep sea surfaces.

- The translucent finish is perfect to achieve a depth effect as well as a realistic water color.

- The product is thick enough to be poured onto all kinds of surfaces, even slopes.

- The slow drying time makes it possible to model moving water, like waterfalls, rough seas, waves, etc. with no pressure.

- It can be mixed with other products of the same range or small amounts of acrylic paint to slightly alter the color without turning opaque.

- It can be diluted either with water or acrylic thinner to change the consistency.

Begin by painting the water feature in your color of choice. Once dry, apply the gel with a palette knife or another similar tool. You can model the surface while it dries using old brushes, sculpting tools, toothpicks, etc. We recommend applying the product in thin layers to achieve a better overall effect and finish.

The product is odorless, and dries in 24 hours. Tools can be easily cleaned with water. This range of products has been specially formulated for modeling, so it doesn´t have unnatural colors like some Arts & Crafts products on the market. Once dry, the results are colors matching those found in nature to add an authentic and realistic touch to your dioramas. We have produced a selection of the most usual water shades, avoiding unnecessary tones and thus facilitating the job of the modeler.

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HOME > News & Events >

The State's non-Budget

posted May 23, 2011, 9:44 AM by Gary Jones   [ updated May 23, 2011, 9:49 AM ]

Last week, Governor Brown unveiled his May revision to the budget. The “May Revise” provides the legislature and government agencies throughout the state an updated view of the state’s economy and the governor’s position on the 2011-12 budget.

An unexpected increase in revenues obligates the state to provide a portion of these revenues to the schools. However, governors and state legislatures tend to work in concert to prevent the schools from receiving our Proposition 98-guaranteed revenues. I fully expect that state leaders will continue to ignore their legal obligations and support their spending habits with school dollars.

But just using the schools’ money is not enough; the state has a structural deficit problem. This means, the state spends more than it receives, year after year after year. Consequently, the governor proposes to extend or increase taxes for five years to solve the problem or pass an “all-cuts” budget. I my opinion, neither of the governor’s proposals will materialize.

So until our state leaders act, school districts and county superintendents are required to establish next year’s budget based on…the state's non-budget.


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Moel Siabod Race 6th July 2013 – Part One

We are all looking forward to this great race which is now less than 2 weeks away. As well as being an established classic it is also ideal for beginners to try their hand, or should that be legs, out in the fantastic world of Fell Running. Be warned though it is descending where the danger lies so take it easy until you become more competant but don’t let a few ‘frills’ put you off, it’s great fun & very rewarding. At 5.4 Miles long & with 2,300′ of ascent it is the ideal starter race & was indeed only the second Fell Race I’d entered when running in it for the first time in 2010. I will miss it this year purely due to Organising Responsibilities, with my own running going quite well lately I am very envious. Cotswold Outdoor have been great in sponsoring the race by donating many prizes, my thanks to Emma, Chris & the team for their support.

Race details:-
Free Parking on the Show Field where the Tyn y Coed Hotel have laid on Sandwiches for the runners. Registration inside the Cafe from 12:00, Race start on the Bridge at 14:00. Afterwards Gaby’s Goulash will make a welcome return for the Finishers before Prize giving at approx. 16:00.

Michael Roscoe will be playing his Flamenco guitar & of course the Capel Show is next door to be enjoyed too with stalls & attractions for all.

The cafe music night follows at 19:00 so why not come prepared to make it a great day out in Capel Curig.

Lets hope the sun shines again this year to put the icing on the cake.

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Inside Out Movie in Dolby Cinema: Behind-The-Scenes Video #DolbyCinema #InsideOut

This weekend Disney/Pixar’s INSIDE OUT opens in theatres everywhere! And if you live in an area that has the new Dolby Cinema at AMC Prime then you're in for a real visual and audio treat!

 photo insideoutdolby_zpsvf7dheqw.jpg

Note: I'm part of Dolby influencer program and will share information and news about their products. However any personal views expressed are always 100% my own.

With Dolby Vision and Dolby Atmos, Inside Out becomes a deeply saturated world with brightly colored orbs and specks of dust breezing through the mind within a Dolby Cinema.

Jonas Rivera, Producer of Inside Out, describes the experience,

“Dolby Cinema allows us as filmmakers to present the film to the audience in its purest’re getting the movie as close to the audience as you possibly can—they’re hearing and seeing it the way we see it in our heads."

In connection with the movie release Dolby shared a behind-the-scenes video, “Inside Inside Out,” that focuses on the talent behind the vibrant imagery and immersive sound of the brainy film.

Director Pete Docter, Producer Jonas Rivera, and Post Production Supervisor Paul Cichocki give insight into the deeply saturated and contrasted color palettes graded with Dolby Vision and the subtle ambiances and soundtracks mixed Dolby Atmos that pull the audience into the film.

Inside Out opens on June 19th in Dolby Cinema at AMC Prime in the following locations:

  • Also, Inside Out will show at El Capitan in Hollywood in Dolby Vision and Dolby Atmos June 19 - August 19, 2015

For more information, visit the Dolby Cinema website

Visit the official INSIDE OUT website

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Clothing of Nomads in Mongolia

Clothing of nomads has not changed much because the nomadic lifestyle remained virtually intact through the centuries. Nomads still live in traditional dwellings and wear the centuries old fashion dels as their general outfit throughout the year.

Hi, I am T. K. and I am the head eagle hunter of my tribe, just kidding! Connect with me on FB and leave  your comments, questions etc.

This fact alone blows me away! What do you think? Where else in the world today people do wear thousands years of old fashion outfits? And these nomads wear them as if their outfits are the newest designs from The Fashion World.

modern nomad
Nomads clothing

The clothing will correspond to the four seasons of the year. During the hot and short summer the nomads wear light dels made of cotton. In harsh and very cold long winters they wear warm dels made of lamb's skin. In between during the spring and autumn the nomads wear both heavy and light dels due to highly contrast weather.

There is yearly open show of traditional Mongolian clothing in the Sukhebaatar square commemorating the upcoming independence day celebration of Naadam festivals. If you are traveling during Naadam, you will get to see and experience Mongolian clothing up close.

cutee in traditional mongolian deel

mongolian traditional clothing
mongolian clothing sho

mongolian models in clothing sho

The clothing will vary from the simplest everyday use to the gorgeous and full colorful custom made outfits that will speak of gender and age, the status and welfare of the person. Also, they will correspond to cultural events and specific celebrations. Mongol clothing will slightly differ according to the ethnic groups like their dialects.

For the outsiders it is hard to tell the difference between the clothing of Mongolia and that of China. The similarity is evident due to thousands of years of close neighborhood. Historically, many scholars state that 2 out of 5 Chinese dynasties were established and ruled by the Mongols. That will explain why there such great amount of similarities in clothing, traditional music etc. We will be back with more on clothing of nomads

Learn More About Traditional Clothing...

Click below to see contributions from other visitors to this page...

Mongolian Traditional Clothing
Introduction and brief explanations on Mongolian Traditional Clothing by L. Sonomtseren Editor B. Sodnom The national dress of the Mongols has …

Mongol Deel Not rated yet
A Mongol deel is the traditional clothing commonly worn for many centuries among the Mongols and other nomadic tribes of Central Asia, including …


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Morgan Sessions Photography

Carissa's Bridals

When I met Carissa for the first time she hardly spoke two words. From that time on, I got the privilege of getting to watch her step by step come out of her shell. Each encounter we had together she became a little more outgoing..a little more comfortable..a little more herself.  Watching my clients blossom is one of my favorite parts of this job. By the time of her bridals, the confidence that Carissa wore was absolutely breathtaking!! And on her wedding day I saw her come alive like I had never seen before. This sweet girl got to say yes to a forever with her best friend and she sure was gorgeous doing so!


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Organic Coffee, Tea, and More!

Our organic loose leaf tea selection

Earl Grey
This Earl Grey is an extremely smooth, well-integrated black tea scented with oil of bergamot, a tiny citrus fruit of Mediterranean origin. The complexity of the tea is off-set by subtle notes of lavender and oranges.

English Breakfast
A well-balanced traditional blend of robust, full-bodied organic Indian Assam tea.

English Breakfast

Rose Congou
Delicately scented rich black tea with scarlet organic rose petals.

Vanilla Rooibos
Round and sweet vanilla perfectly accompanies similar characteristics in the Rooibos.

Premium black tea, cardamom, cinnamon, orange peel and cloves. The perfect cup of chai.

A special Japanese blend of fine green tea, toasted and popped rice.

Gunpowder Green
Tightly rolled "pellet" shaped green tea from China with a strong deep flavor.

Berry Blossom
A blend of hibiscus, rose hips, black currant, cranberry, elderberry, and rooibos.  Berry blossom is naturally caffeine-free and delicious!

Berry Blossom

Herbal Cinnamon Mint
Popular herbal blend with sweet cinnamon and mint.

Herbal Chamomile & Fruit
Our favoite herbal blend with natural sweetness and complex fruit flavors.

Lemon Tisane
Our lemonade tisane is an intensely “lemon” blend of green rooibos, lemon grass, lemon peel, lemon myrtle and calendula. Excellent hot with honey or as iced tea.

Banana Nut Muffin and delicious tea!

Morning Bird Coffee © 2014. All rights reserved.


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Mountain Bug holidays

MountainBug is based in the traditional French village of Barèges, though we run holidays across the Pyrenees. Please use the tabs above to discover what we have running where.

All of our holidays are designed to help you enjoy the mountains, whatever your age, tastes and abilities. We offer a range of summer and winter activity holidays, as well as bespoke activity holidays for groups.

For all of our holidays, we’ve provided information about:

  • The type of holiday it is
  • What we will see and do on each holiday
  • Who we believe this holiday is suitable for
  • The fitness level you will need
  • Who leads the activities you have chosen
  • What a typical week’s itinerary looks like
  • The type of accommodation on offer
  • What the price includes
  • A note about the type of weather to expect
  • A recommended Kit List
  • The dates this type of holiday is running on

For a complete list of our holidays and their prices, please visit our Summer Calendar and Winter Calendar. If you have any questions about a MountainBug holiday, then do contact us.


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05-12-2018 09:36 AM
by meagan43 Go to last post
12 5,741 A Bug's Land

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Artist Statement

My artistic background is in photography, but finding the discipline that comes with formalism of the craft restricting I have, over time, turned my attention to how the practise, along with other disciplines, can be utilised to demonstrate what is in my imaginative territories and the regions of the human conditioning and the sexual predilections accumulated in our zeitgeist.

At one point in my varied careers I had an adult entertainment business and I draw on my pornographic film and photographic archival work, eroticism and fetish imagery. Using these along with appropriated or newly created works I manipulate them through digital technologies to purposefully situate them within new concepts, producing works that investigate the social and theosophical restrictions, (censorships), not only in the arts but of the freedom to express without limitations.

Sex, birth and death, are to me the ‘Holy Trinity’; the primeval, the universal principles are my key concerns and inform much of what I produce, not only visually but within study and research. Sentiments of prescribed, institutionalised emotions are to me secondary and are therefore subordinate in my works, yet, I cannot deny that our history and socio-political ideology welcomes them more readily over our primitive nature!

As such some of my subject matter does offend sensibilities, but I hold with the philosophy; “It is for the artist to create sacrilegious works; to portray the poetry of profanity, the narrative of the irreverent: For sacrilege is necessary; the right to blaspheme is fundamental for free spiritual and artistic adhesion”


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Filing an Amended Tax Return

Hickory CPA Firm

What should you do if you already filed your federal tax return and then discover a mistake? First of all, don’t worry. In most cases, all you have to do is file an amended tax return. But before you do that, here is what you should be aware of when filing an amended tax return.

Taxpayers should use Form 1040X, Amended U.S. Individual Income Tax Return, to file an amended (corrected) tax return and Form D-400X for an amended North Carolina Income Tax Return. You must file the corrected tax return on paper. An amended return cannot be e-filed. Please call if you need assistance preparing or filing Form 1040X or Form D-400X.

If you need to file another schedule or form, don’t forget to attach it to the amended return as well as any other form in your return that changed due to the amendment. An amended tax return should only be filed to correct errors or make changes to your original tax return. For example, you should amend your return if you need to change your filing status, or correct your income, deductions or credits.

You may not need to file an amended return to correct math errors because generally the IRS automatically makes those changes for you. Also, do not file an amended return because you forgot to attach tax forms, such as W-2s or schedules to your original paper file return. The IRS normally will mail you a request asking for those.

Note: Eligible taxpayers who filed a 2014 tax return and claimed a premium tax credit using incorrect information from either the federally facilitated or a state-based Health Insurance Marketplace, generally do not have to file an amended return regardless of the nature of the error, even if additional taxes would be owed. The IRS may contact you to ask for a copy of your corrected Form 1095-A to verify the information.

Nonetheless, you may choose to file an amended return because some taxpayers may find that filing an amended return may reduce their tax owed or increase your refund (see below for additional information).

If you are amending more than one tax year return, prepare a 1040X for each return year and mail them to the IRS in separate envelopes. Note the tax year of the return you are amending at the top of Form 1040X. You will find the appropriate IRS address to mail your return to in the Form 1040X instructions. The same procedure applies to the state. If you are filing an amended tax return to claim an additional refund, wait until you have received your original tax refund before filing Form 1040X or Form D-400X NC state return.  Amended returns normally take up to 16 weeks to process. You may cash your original refund check while waiting for the additional refund. If you owe additional taxes with the amended returns, file the returns and pay the tax as soon as possible to minimize interest and penalties.

Generally, you must file Form 1040X and D400-X within three years from the date you filed your original tax return or within two years of the date you paid the tax, whichever is later. For example, the last day for most people to file a 2012 claim for a refund is April 15, 2016. Special rules may apply to certain claims. For more information call our office 828-322-5813.

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Taut wire measurement

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The advantage of this sensor:
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sensor can be used as taut wire measurement on wire cranes, bucket measurement but also as 3th
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Oh-Boho beauties !

A picture perfect boho queen by designer Anupama Dayal

There is something about summers that makes this season so beautiful — the generous dose of colours and never-ending options in clothing and accessories makes it my favourite time of the year. Anyhow, the interesting part is that when we have no dearth of options, how do we go about choosing the best and leaving the rest? Well, i say lets mix everything that you have in hand to create an entirely new look each time you face the dilemma of “what to choose from.” Curating a boho look is not as simple, there are three main things that you must never forget when you channel your inner gypsy queen. We give you a quick check.

Actress Deeksha Seth in designer Neha Agarwal’s latest collection, which takes inspiration from 1900s Russia

1.) Clothing: There is no set rule when it comes to mix and match, but one must remember not to overdo a single tone or print from top to bottom. While pairing a boho skirt with a crop top (or adding a dupatta to your dhoti pants and top) just keep the layering part clearly defined so that each piece of clothing stands out. There is no set rule of creating colour combinations, but stick to shades that gel well. Same goes with prints and patterns, don’t attempt a fashion harakiri by mixing spots and stripes. Rest is all fine 🙂

- Rs.6,800
Asymmetric georgette dress and jacket by designer Anuradha Ramam

2.) Accessories: A boho look is incomplete with right accessories. Think junk jewellery, metallic chains, silver jhumkas, mang tikkas and statement rings — a gypsy queen knows no bounds so you have a free hand and make good use of it. Avoid precious stones, pearls and diamonds to keep it simple and carefree. While choosing a bag, go for a cool leather satchel or mirror embroidered jholas. Your footwear should also go with your entire get up, so pick cool Kolhapuri chappals or flat gladiator sandals to stay comfortable.

Boho chic from ANK’ by Amrit Kaur

3.) Make-up: Clearly when you are so decked up from top to bottom, you need no extra ounce of colour on your face. Keep the make-up minimal, a good deep khol eyeliner with matt lipstick in natural tone would do just fine. Let your ensemble and attitude do the talking as make-up can take a back seat for this look. For hair, keep it natural or tie a scarf like a turban or a headband. If you have access then pin up a bright rose with a messy bun. Avoid all kinds of twinkling stuff and sparkly shades while you do you last touch-ups.

Hope you guys enjoy curating some interesting boho looks this summer!

~ JB

The Bohemian Whimsy by DIVA’NI

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Michael Johnson
Technical Editor
March 6, 2017

“No one said life is fair,” my dad said many times during my upbringing. Sometimes things happen that are out of your control. It’s just how things go. For MV Performance’s Tim Matherly, a shop fire in the fall of 2016 set him back for quite a while. When that happened it wasn’t unusual to see the drag racing community come together to help Tim, his wife Lisa, and business partner Shane “Biggie Me” Cannon get back on their feet. However, with his Coyote Stock Mustang down for the count as a result of the fire, friend and fellow racer Craig Baldwin stepped in to get Tim back in the game. Here’s an interview we did with Tim over the weekend at the 2017 NMRA Spring Break Shootout at Bradenton Motorsports Park.


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Saturday, August 20, 2016

Upcoming Event - Ghost Walk of Historic Matawan

Ghost Walk Tours of Historic Matawan

Saturday, October 29, 2016 at 7:00 PM and 8:30 PM.

Please join us as we take a walk back in time, revisiting the chilling stories about some of the businesses and private homes along Main Street.

The evening will begin with a short presentation at Burrowes Mansion, which will include stories about the ghosts of the mansion. Then we will continue with a walk along Main Street with more stories about the ghosts haunting our town. All of our ghost stories are true!

The tour includes a stop inside Bedel Funeral Home, where attendees will have the unique opportunity to view antique funeral items that have never before been on display. A representative of Bedel Funeral Home will be on hand to answer questions!

The entire tour will cover approximately one mile (round-trip ) and last about two hours.

Light refreshments will be served.

The tours will be held rain or shine! In the event of severe weather, the tours will be canceled.

For more information and to purchase tickets please visit the following website:

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Wedding Invites

We are (finally) rolling out our wedding invites designs! Yay!! Printing on brown paper is tricky due to the base colour BUT it’s unique and we love how the finished products look! Of course, printing on white paper or a different dimension is available upon request. ;)

We offer various customisation options and can print as little as 50 cards to suit your needs. Please visit our wedding invites page for more designs - Or contact us for our package details!

❤ Blessings, Charllotte


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Cathy's Photography LLC - Photographers in  Wisconsin Wausau

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Cathy's Photography LLC

2035 County Road Oo, Eland, WI

Professional photographer from North Central WI. just 20 minutes east of Wausau. Specializing in 'Story Book' wedding photo effects. Photographing events, family portraits, high school seniors, and pets. Willing to travel for photography services.

Cathy's Photography LLC offers the following services

Photographers, Digital Photography, Corporate Event Photographers, Wedding Photographers, Event Photographers, on site photo printing, Photo Albums & Online Albums, Portrait Photographers, Photo Montage

Cathy's Photography LLC is available for the following events
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Strategy for New Year 2018: Where to invest? - MYREALITY.In, Real Estate, Share Market, Mutual Fund, Insurance
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Friday, January 05, 2018

Strategy for New Year 2018: Where to invest?

Strategy for New Year 2018:  Where to invest?

By Mr.Brijesh Damodaran, BellWether Advisors LLP

Fixed income or debt mutual funds are the go-to asset class, when linear secular income is the goal.

The years in which the equity markets have delivered single digit return, debt funds of mutual fund schemes have delivered double digits.
However, the year 2017 was tepid in terms of the return generated across debt funds.

Falling interest rates

In fixed income, rates of fixed deposit have been declining. This is worrying investors who pre-dominantly invest in them. The re-investment opportunity at the previous rates or higher rates is no longer there with interest rates falling.

With RBI adopting the policy of controlling inflation and status quo on rate hike being maintained, investors in fixed income had a forgetful 2017. And what about the accrual and duration schemes of the mutual funds?

The 10 year bond yield has displayed a volatile range in 2017. If one is expecting the rates to be still, any volatility effects the duration scheme.
A move towards the north, lowers the yield to the existing investors and reduces the return to the investor, not considering the risk of capital depreciation.

The average return in a dynamic bond fund, which had built up a sizeable assets under management (AUM) in the past years was in the region of 4%. Considering the tax on the income and if you are in the 30% bracket, the returns hardly met the inflation.

When you consider ‘income’funds, the returns have been marginally higher in the range of 5-5.32%. So what went wrong? The pause in rate cuts did not help the returns coupled with volatility in the bond market.

However, the credit opportunities fund as a category generated a return close to 8%. But in a credit opportunities fund, one runs the risk of credit default and a portfolio of AA or higher rated papers gives necessary comfort.

One should not chase returns through the debt funds. In debt funds, it is important to have safety of capital and assurance of secular income.

Balanced funds remain popular

Keeping it simple did help when investing in debt funds. Investments in the category of liquid funds, short term and ultra-short term categories have helped generate a return of close to 6.5%.

In a volatile bond market scenario, it is recommended to invest in papers which will have lower volatility and predictability of returns In this scenario, liquid funds category fit to a tee.

Majority of the credit paper being in the duration of 0-91 days and a few papers up to 180 days, lowers the volatility risk. Hybrid funds with a mixture of debt and equity or balanced funds was the new favourite among the investors.
With the equity portion of the portfolio generating a double-digit return and the debt portion providing the stability in returns, investors only poured more into the balanced fund schemes.

Moreover, distribution of regular dividends, coupled with positive taxation bias, provided a secular cash flow linearly to the investors.
Any upward movement in interest rates will have a short term impact on the existing debt portfolio. Investment in debt funds are not to be considered for generating alpha.

One must look at credit risk, default risk, and more importantly, the re-investment risk before investing in debt products. What should be the strategy for 2018?

Interest rates could go north in the first or second quarter if RBI re-visits the monetary policy. Again, the decisions by the US Fed could trigger a rally in the bond market.

All of these are mere conjecture and one needs to take an informed decision based on each investor’s unique needs. When you need to park the funds for a duration, even up to a year, consider liquid funds. Dynamic bond and income funds need to be considered only post the rate hike, if any.

The writer is founder and managing partner, BellWether Advisors LLP
Strategy for New Year 2018: Where to invest? Reviewed by S. Chitra on January 05, 2018 Rating: 5 Strategy for New Year 2018:  Where to invest? By Mr.Brijesh Damodaran, BellWether Advisors LLP Fixed income or debt mutual funds ar...

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Other Attractions
Black Pearl Shopping
French Polynesia produces the most sought after south seas Black Pearl from the "Pictada margaritifera" oyster. Nurtured in the warm-water lagoons such as Manihi, Rangiroa and Fakarava, these jewels embody the beauty, magic and charm of the South Pacific.

Black pearls come in a variety of shapes, from perfectly round to pear shaped to baroque. Colors range from pure black, green, aubergine, blue-tinged, reddish-bronze, steel gray, pinkish and even white. One of the most sought after colors is iridescent green known as "fly's wing" with spectacular luster. The best prices are obtained in the outer islands where the oysters are framed, along roadside shops and through small independent sellers. Major hotels, large pearl farms and in Papeete generally offer high-quality settings that carry prices several times more than can be obtained through small distributors.
Woodcarving is done mostly by men employing local hardwoods such as "tou," a variety of purple wood, and "miro," a local rosewood. Ancestral graphic and symbolic designs adorn spears, war clubs, "umete" or fruit bowls and other serving utensils. The Marquesans excel in woodcarving and provide many opportunities for the collection of travel gifts.
Hiking and Scenic Photography
Whether it is a hike to volcanic pinnacle, along an isolated beach, through a jungle path or a stroll to town for shopping or croissant and coffee, photo opportunities await around every corner. Bring plenty of film (or disk space), sun screen, water, lightweight hiking shoes and maybe a sweat band or two.

For information on tours or to arrange trips, call James Harlan at 888-390-9675. Additional information on tours is available from the Tahiti Tourism, POB 65, Papeete, Tahiti, Tel: 689-50 -7-00 (Fax: 689-43-66-19) or tahitilax@earthlink.com