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We will discuss all fees and provide a written estimate of the charges for the proposed procedures during your first consultation visit. We have developed a package price for our patients that includes the surgeon’s fee, the charges for the outpatient suite, and anesthesia coverage. This package price makes it much more economical for patients to undergo surgery, particularly when more than one procedure is being considered. It is our office policy that 25% of all surgical fees must be paid at the time a surgery date is reserved. The balance is due in full two weeks in advance of the surgery date. Since these procedures are not done on an emergency basis, the patient has time to arrange his or her finances.

As a general rule, insurance companies will not pay claims for surgical procedures performed solely for cosmetic purposes. Sometimes they will pay for plastic surgery when cosmetic improvement is the by-product of a procedure performed to improve function, relieve symptoms, correct a congenital deformity or repair the effects of injury or disease.

Since each insurance company’s policy is different, our office staff is in not able to predict how your company will handle your individual case. It is very important for you to find out if your policy requires a second opinion or pre-certification for the procedure. If there is a portion of the procedure that is cosmetic, it will be quoted separately. If your specific procedure is covered, in whole or in part, by your particular insurance policy, our staff will provide you with assistance in seeking those funds. However, the patient must pay the entire fee in advance of surgery, and any portion covered by insurance will be reimbursed to the patient once the claim has been paid.

Please be reminded that our office cannot ethically or legally fill out forms in such a way as to make a procedure appear to be done for functional reasons when in fact, it is cosmetic. Health insurance policies are contracts between the insurance company and the patient. The patient, not the insurance company, is ultimately responsible for all charges incurred.

Payment Options

We accept several different forms of payment for your convenience.

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CareCredit is a personal line of credit for healthcare treatments and procedures including cosmetic surgery. CareCredit is not a health insurance policy, but more like a credit card. You qualify on the strength of your credit history and CareCredit can help you pay out-of-pocket healthcare costs that are not covered by your insurance policy. Approval is based on information from your credit application and past credit history. This includes information from the primary applicant as well as any co-applicant.

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Ovarian Cancer Action Symptoms Diary App

Ovarian Cancer Action is the UK’s leading ovarian cancer charity dedicated to improving the survival rate of women with ovarian cancer. We created a diary app for women to monitor their symptoms to help with diagnosis.

Ovarian Cancer Action needed a mobile app version of their paper symptoms diary. They wanted to provide women with an easy and discreet way to keep track of their symptoms on the go and the ability to present these to their GP in order to start a conversation. This included recording the severity of their symptoms. They felt a mobile app could add value by being able to notify women if their symptoms were persistent and frequent and advise them to visit their GP.

When women are diagnosed in the early stages of ovarian cancer they have a 90% chance of surviving for more than five years but this reduces to 22% when diagnosed in the later stages. An app would allow women to present their GP with a summary of their symptoms, hopefully increasing their chances of an earlier diagnosis. It was also important that the app was reusable for women who wanted to monitor their symptoms for recurrence, as well as for women whose family history puts them at risk.

To help them improve the user experience of the app after initial release and for their own research, Ovarian Cancer Action wanted to be able to monitor usage.

We helped Ovarian Cancer Action prioritise the core app features to work within their budget. This process also helped us to deliver a streamlined and simple experience for adding and reviewing symptoms. We created a tabbed interface to allow users to easily switch between their diary, an information area and their summary report.

Symptoms can be added to the diary as they're experienced or retrospectively, with a few quick selections. The summary section displays a succinct report showing the number of times a symptom has been experienced and it's average severity, for the past 30 days or less. This ensures women always view an up-to-date report, allowing the app to be reused each month. The report and diary can be exported to an email with the click of a button.

A notification system alerts users if they have entered any symptom persistently over 30 days, advising them to visit their GP. They can visit the information area for more advice and to access supporting website content, such as the BRCA risk tool, a simple questionnaire we previously developed for Ovarian Cancer Action which allows users to assess their gene risk level.

We added analytics to the app to enable Ovarian Cancer Action to anonymously track the behaviour of individual users. This has already produced insightful data on which symptoms are being experienced most frequently and the average severity of these. They can also track the number of women who have been notified to visit their GP and how many have emailed a copy of their report.

In the 2 ½ weeks since launch, the app has had...

  • 162 unique users
  • 251 sessions
  • 2,209 screen views
  • 455 symptoms added
  • 14 women notified to visit their GP

Although ovarian cancer does have definitive symptoms, they can be quite subtle and are sometimes mistaken for other problems. The Symptoms Diary App allows women to track any symptoms you're experiencing over time and will help them convey any concerns to their doctor, so that you can both get a diagnosis as soon as possible.

Katherine Taylor
Acting CEO for Ovarian Cancer Action

The app also received some glowing reviews from the Ovarian Cancer Action supporters:

"Very easy to use … Overall, I think it is really cool! I like the colours and layout and I like that is doesn't overcomplicate the diary and that there is just a small amount of necessary information. I think the best thing about it is that users can record their symptoms discreetly and conveniently
Zoe J, Supporter

"It was very useful to have on my phone and be able to update wherever I am. Very simple to use. Plenty of explanatory text, not too much. I couldn't break it no matter how hard I tried."
Anon, Supporter

"A great little app that if enough women know about it will genuinely help women get an earlier diagnosis."
Lou, Supporter

Electric Putty were a dream to work with as usual, they managed to resize our ambitions to fit our budget resulting in an easy-to-use tool that will hopefully help to save lives.

Nadine Woogara, Digital Manager
Ovarian Cancer Action

We're always looking for interesting new web design projects to get stuck into. If you have your own project on the go, we'd love to be on your shortlist.

Send us your project brief and we'll be in touch soon with a quote.

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International modul

Help & Feedback for Electronics Assistant Software.
Post here if you need help, want to report a bug or have comments or suggestions for future releases.
Post Reply
Posts: 1
Joined: Tue Sep 23, 2014 11:13 am

International modul

Post by Danishm8 » Fri Oct 24, 2014 10:52 am

I’m on an It technology education i Denmark.
we are having a International module with in cloud some kind of an international aspect.

This forum hopefully is going to be my aspect.

Now my project and problem. Where i need your help.

I’m making a ultrasound system:
I already made one with a transmitter and receiver.
But my problem is that i only have 30cm of range and i would like to have 8-10 meter.
receiver circuit
receiver circuit
receiver sensor.jpg (135.35 KiB) Viewed 3052 times
Transemitter circuit
Transemitter circuit
Transemitted.jpg (35.59 KiB) Viewed 3052 times
If the attachment dosen't work i wuld like some help for that to. :)

What i would like you to do is to guide me on what needs to be done for achieve my goals.

Best regards
Michael (Denmark)
It technology student

Posts: 44
Joined: Thu Mar 12, 2015 10:45 am

Re: International modul

Post by Richard » Thu Mar 12, 2015 2:25 pm

I think there may be an error in the transmitter circuit. The bottom end of the 4.7k RP should be disconnected from R2 and pin 3 of the LM555, and instead connected to the +9 v rail (pine 4 & 8 of the LM555). Pin 3 should be connected to the top end of R2 only.

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Midday til late, 7 days (lunch/dinner)

380 Harbour Drive

Coffs Harbour NSW 2450

P:  (02) 6651 6655

E:  pretzel@elementbar.com.au

Sit in & Chill With Us

Please understand the number of folks we can book at any one time is limited strictly in line with regulations

(click here to book)

Dark Arts Cafe & Bar (in Cox Lane) is also open

6.30am - 3.30pm, 7 days for full sit-in brekky/lunch.

Click here to book at Dark Arts.

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Just so you know what we're up to...

We're open midday til late for lunch & dinner, 7 days. You can come & sit in with us, or takeaway of course (food & drinks). We have our full usual range of great food & awesome drinks !!  We also have live music back on Fri & Sat nights.

All sit-in bookings with us are for 2.5 hour time slots, except from 6.30pm onwards which has no time limit & you are welcome to stay until we close.

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  • Dark Arts Coffee Roasters is a small boutique roastery located right here on the Coffs Coast.

  • Partnered with Origin Coffee Traders & other ethical traders, we seek to ensure the ethical sourcing of coffee, looking after both the farmers & the environment, whilst maintaining quality & consistency.

  • Currently, our house blend “BLACK MAGIC” is our definite favourite, with a medium style roast & a beautiful full body.

  • “BLACK MAGIC” is a four bean blend of Colombian, Costa Rican, Peruvian & Sumatran coffee & perfect for milk & black coffee drinkers (as well as alternate milks like soy, almond, macadamia, coconut & lactose free, which are all available).

  • It has low acidity with a lovely cut through, delivering a rich, chocolate & caramel body, with a hint of floral after tones.

  • We can deliver freshly made coffee or Dark Arts "Black Magic" beans (whole or ground to suit you) locally (by calling us on Ph: 6651 6655) or anywhere within Australia (through our online store below).

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Red Scare Tops Big X To Advance To Quarterfinals In The Basketball Tournament

By Colin Hass-Hill on July 8, 2020 at 3:55 pm
Trevor Thompson
Credit: Ben Solomon

The first Buckeye-on-Buckeye game of The Basketball Tournament sent two former Ohio State players packing.

Even though Big X held the lead for the majority of Wednesday afternoon's game, Red Scare – which features former Ohio State center Trevor Thompson – pulled away with a 17-6 run to end the game, surpassing the Elam Ending target score of 75 to earn a 77-68 victory at the fan-free Nationwide Arena.

Ryan Mikesell drilled the game-ending triple to jettison CJ Jackson, Andrew Dakich and the rest of Big X from the tournament. Thompson's Red Scare team will now either face Carmen's Crew or House of 'Paign on Friday in the quarterfinals at 4 p.m. Friday on ESPN.

Thompson was one of four Red Scare players to score in double-figures, managing 12 points and seven rebounds in 17 minutes. Darrell Davis led the winning team with 15 points.

The back-and-forth game featured 11 lead changes, though Big X led for the majority of it.

Big X came out of the gates firing with Ward knocking down the first shot, which sparked the beginning of a 10-5 run. Red Scare, however, had five separate players score 10 unanswered points late in the first quarter and continued the momentum into the second quarter, when it scored the first two buckets out of the break to grab an eight-point lead. Big X's subsequent eight-point run tied it up with 5:39 remaining in the first half, and they battled neck-and-neck until halftime.

Though Big X held the lead for all but 14 seconds of the third quarter, it remained unable to break away from Red Scare, which mounted a late comeback.

Jackson struggled from the field, hitting 2-of-8 shots for eight points, four rebounds and two assists. Dakich, acting as a player-coach, went scoreless in 15 minutes. Trevon Hughes did most of the damage for Big X, scoring 20 points, but the outburst wasn't enough.

While Dakich and Jackson go home, Thompson moves on. Only two teams with former Buckeyes remain in this summer's TBT.

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• 84°

Nashville schools to start academic year online due to virus

Associated Press
NASHVILLE (AP) — Nashville’s school year will start off virtually instead of in person due to the growing spread of COVID-19, local school officials announced Thursday.
Metro Nashville Public Schools Director Adrienne Battle said students won’t be returning to classrooms from the Aug. 4 start of the school year until through at least Labor Day.
“This will allow social distancing, mask mandates and other measures to take effect and reduce the spread of COVID-19 before tens of thousands of students and staff return to our schools, which could potentially spread the disease among our people and in the community if we’re not careful,” Battle said at a news conference.
Battle says Nashville has seen some of its worst daily totals for COVID-19 confirmed cases in the last week, as cases rise nationally as well. Tennessee reported another 1,600 confirmed cases Thursday, while Nashville reported another 688, the city’s highest single-day total since the pandemic began.
The decision to start the year with remote classes comes a day after President Donald Trump threatened to hold back federal money if school districts don’t bring their students back in the fall.
State Education Commissioner Penny Schwinn and state Health Commissioner visited the White House on Wednesday for discussions on reopening schools.
Republican Gov. Bill Lee spoke on a conference call Tuesday with Vice President Mike Pence, some other governors and federal officials, saying the state’s efforts are “focused heavily on ensuring that as many schools and as many districts open their schools in person.”
Schwinn has highlighted $50 million in federal money that she said will pay for one-third of the cost of computers for every 3rd through 12th grade student in the state.
In Nashville, every student will be assigned a device this year for learning at home or in the classroom, Battle said.
Meanwhile on Thursday, Tennessee labor officials reported that more than 25,000 people filed new unemployment claims last week. The number of jobless people in the state remains higher than normal due to businesses being closed or limited in capacity during the virus response.
The state paid $260 million in unemployment benefits to more than 275,000 people during the week that ended Saturday, the Department of Labor & Workforce Development said Thursday.
The entire total came in the form of federal funds distributed under the federal emergency assistance package created to deal with financial effects from the virus response.
For most people, the coronavirus causes mild or moderate symptoms that clear up within weeks. But for others, especially older adults and people with existing health problems, the virus can cause severe symptoms and be fatal.


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We look ahead

The Covid-19 pandemic is still affecting significant parts of our lives ...

Software & Libraries

Software & Sistema
eloProg Satety Designer ePSD - Configuration software for the eloProg basic module
eloProg Safety Designer zip 156 MB

Software includes operation manual

Characteristic Library VDMA 66413 XML Format
Characteristic Library VDMA 66413 XML Format zip 109 KB
Characteristic Library Sistema SLB Format
Characteristic Library Sistema SLB Format zip 353 KB

E-Plan Makros
E-Plan Makros zip 241 MB

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Encouraging Giving and Generosity

Encouraging giving within a parish may feel daunting, but there are guidelines and tools available to help you in your local context.

An excellent place to start is the Parish Resources website.

This site has a large range of excellent Giving Resource materials you may wish to consider for your local context, covering areas that include:

The page also has a range of materials supporting you in running Giving Programmes and Gift Days, including:

Resources to help you encourage giving online

Churches rely on the generosity of their congregations and their communities to support their mission and ministry.

The Parish Resources team have produced some excellent guidance and resources to help you encourage online giving. You can access these by clicking here.

Among the guidance is a customizable video that you can use to direct to your giving platform, presented below.

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Page last updated: 22nd May 2020 3:22 PMFirst published on: 12th May 2020
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We pray to be generous and visible people of Jesus Christ

Ely Diocesan Board of Finance is a company limited by guarantee registered in England and Wales with company number 142183, and a charity registered in England and Wales with Charity Number 245456. The registered address is: Diocesan Office, Bishop Woodford House, Barton Road, Ely, Cambridgeshire CB7 4DX. All rights reserved.


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Priyanka Chopra never asked Sophie Turner for spoilers

Photo: Bang

Priyanka Chopra has "never asked" Sophie Turner for 'Game of Thrones' spoilers because she didn't want to cause "stress" for her sister-in-law.

The 'Baywatch' actress didn't want to cause any "stress" to her sister-in-law - who plays Sansa Stark in the HBO series - so has always avoided the subject around her because she wouldn't have wanted to be put in a similar position with her own work.

She told the New York Post newspaper's Page Six column: "I'm an actor, I understand the stress around it.

"I've never asked, because I wouldn't want to put her in that position."

While Priyanka - who is married to Nick Jonas - didn't ask for 'Game of Thrones' spoilers, Sophie recently admitted she'd told her new husband, Joe Jonas, how the show ends.

She said: "I've just told Joe. But he's so mad at me - he loves the show! Well, I have to tell someone, otherwise I'll burst."

And the 23-year-old beauty revealed the 'Sucker' hitmaker had to sign a non-disclosure agreement (NDA) before he was allowed to visit her on set.

She said: "He was on set for most of [filming the final season], so he kind of figured [the ending] out. He had to sign an NDA."

And Sophie also revealed the Jonas Brothers singer had to have the camera lens on his phone covered up, in order to prevent him from taking sneaky pictures of the filming.

She added: "He had to have full photo approval on set, his camera was covered up, everything."

But despite the lengths bosses went to to prevent Joe from talking, Sophie doesn't think he'd be able to keep it to himself.

She quipped: "You can give him a call, he'll probably tell you everything."

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La Place Tickets

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Home > Employment > Putting Those Working At Height At Ease And How To Get The Most From Your Employees When They Are Up High

Putting Those Working At Height At Ease And How To Get The Most From Your Employees When They Are Up High

We all have a certain rational fear of heights hardwired into us to ensure that we our careful when we are not all that close to terra firma. For those working at height, this rational fear is extremely important and those carrying out such roles are actually likely to be safer if they retain a certain level of fear when they are high up.

As such, it will be important to tread a fine line between putting staff at ease when they are working at height, and removing fear altogether. After all, should individuals become too complacent, they are likely to let their concentration slip, which in turn will mean that accidents are far more likely to happen. With falls from height being the most common cause of work fatalities, keeping staff safe and focussed when they are working at height should be one of the top priorities for any business.

On the flip side of this, workers will need to feel comfortable and confident enough to get their jobs done accurately, effectively and efficiently. In turn, the right training, the right tools and the right guidance will be vital to balance safety and fear in the most effective way.

Those who have never worked at height before are understandably going to feel nervous. However, by offering them the right training and guidance, they should quickly feel extremely comfortable, no matter whether they are operating a Mobile Elevated Work Platform (MEWP) or simply climbing a ladder. However, one of the most simple ways to put individuals at ease is to allow them to realise that fear is perfectly natural.

Those attempting to work at height for the first time may not want to show weakness or fear, but allowing them to feel comfortable about expressing any worries they have will help them to understand that the majority of experienced workers will have felt the very same fears the first few times they worked at height. In turn, allowing them to work at their own pace whilst they adapt will be extremely important.

One of the easiest ways to get the best from both new and existing employees that are working at height will be to use the right equipment and to provide safe access to high workplaces. Not only should MEWPs be utilised where possible to carry out work at height, but such equipment should also be hired from reputable companies with an excellent track record of safety.

Being given knowledge of the safety statistics of both your company and those offering equipment such as MEWPs will instantly put both new and existing workers at ease. However, constant reminders about the safe operating techniques and procedures will still be vital to ensure that confidence and competence don’t at some point segue into complacency.

The safer staff feel and the more knowledge they have at their disposal, the more effectively they will carry out given tasks and the safer they will be. In turn, not only might accidents be easier to avoid, but you will simply be able to get the most from workers new to your team as quickly as possible.

About the Author – Adam Howes is a freelance writer and blogger. He regularly writes articles about working at height, using websites such as to stay up to date with all the latest industry news and developments.

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On January 25, 1950, after a series of cautious reconnaissance advances, the U.S. 8th Army, under the command of Gen Matthew Ridgway, initiated Operation Thunderbolt, a major attack against Chinese and North Korean forces near the Han River.

The goal of Operation Thunderbolt was to inflict maximum punishment on the enemy while keeping major UN units intact.

GEN Ridgway stressed “good footwork combined with firepower.” 8th Army forces did not advance beyond carefully planned  “phase lines” until every assigned unit reached it.

After Operation Thunderbolt secured the southern bank of the Han River, the Chinese and North Korean forces moved their operations further east.

In an attempt to regain the initiative, the Chinese counterattacked at the Battle of Hoengsong on February 11, briefly stopping US X Corps’ advance. However, without rest and recuperation, the new Communist offensive faded at the Battle of Chipyong-ni on February 15.

On February 21, 1950, with Communist forces incapable of further offensive operations, GEN Ridgway ordered Operation Killer to eliminate the remainder of Chinese and North Korean forces in the area.


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Everything we do is underpinned by prayer. Please support us in the following ways

Corporate Prayer. Please pray for our work in your church, perhaps in a service or prayer meeting.

Personal Prayer. Please include Engage's work in  your personal prayers.

Come to our Prayer Meeting. These are from 19:30 - 20:00 prior to our Trustee meetings, held twice per school term in the Chapel at St. Andrew’s Church, Goldsworth Park, Woking.

Our NEWS page includes our up-to-date prayer needs and the date of our next Prayer Meeting at St Andrew's. We also issue a Prayer Card two or three times a year: click HERE to see the latest issue.

© 2020 Engage Woking Schools.  Registered Charity Number 1156005

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Monday - Friday 9AM - 6PM Eastern

NO7 for Her Purse Sprayer 10mlNO7 for Her Purse Sprayer 10ml
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NO7 for Her Purse Sprayer 10ml

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Quick Overview

NO7 for her Purse Sprayer 10ml
Top Notes
Bergamot comes from a small tree that blossoms during the winter called Citrus bergamia. It’s a citrus fruit with a green color similar to a lime. It has the capability to combine with a bundle of scents to form aromas that perfectly complement each other.
Lemon is a small thorny tree with bright yellow citrusy fruits, cultivated in all tropical and subtropical regions of the world. Lemon originates from the Middle East, and it was probably brought to Spain and Africa somewhere in the Middle Ages. Lemon is described as astringent, sour, sweet undertone, aromatic nuance, bright, cheerful and vibrant.
Lavender is a genus to the Lamiaceae family native to Europe and Eastern Africa. Lavender has a floral, fresh, sweet, herbaceous and sometimes slightly fruity scent to it.
Mid Notes
: Geranium is a genus of cranesbills family. Geranium has a very distinctive lemony, peppery green scent with a hint of a rose.
The King of Herds which is native to India who has been cultivating it there for 5,000+ years. Basil has an energetic, pungent, often luscious scent to it. Basil is available in various shades of green with distinct scents to it due to the different proportions of essential oils available.
Jasmine is a genus from the Oleaceae family which are native to the tropical areas of Eurasia, Australasia and Oceania. Jasmine has an incredibly intense aroma that has a rich,sweet, and fruity scent to it.
Base Notes
Patchouli is a wonderful green bushy herb of the mint family. It belongs to the genus Pogostemon and grows up to two or three feet in height. Sweet, dark, with an earthy, woody edge, it is very popular in many blends, especially the contemporary woody floral musks.
Musk can be described in many different ways. The description may range from sweet, creamy or powdery, to rich, leathery, spicy and even woodsy, and animalistic nuance.
Cedarwood has a very elegant smoky wood note to it. It’s very dry and dusty, clean, and reminds you of pencil shavings.
NO7 for her Purse Sprayer 10ml

TOP: Sparkling Pear, Jasmine, Melon, and Apricot
MIDDLE: Gardenia, Blooming Jasmine, and Toasted Almonds
BOTTOM: Sandalwood, Vanilla Créme, and Musk

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Configuring and Managing Multi-factor Authentication for Exchange and Skype for Business

Microsoft has been making changes in the Office suite of products to secure access with multi-factor authentication (MFA). Watch Bhargav Shukla go over how to best use multi-factor authentication solutions to secure Microsoft Exchange and Skype for Business Server products in your company.

You’ll learn what your MFA options are for Exchange and Skype and what considerations you need to keep in mind as you plan your MFA deployment.


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Quality Christian Novels: An Oxymoron?

By Randy Alcorn November 7, 2012

Recently, I overheard a Christian leader rave about various novels he’d read. When asked if he’d read a particular Christian novelist, he replied, “I never read Christian fiction.”

“Why not?”

“It’s predictable and sugar-coated; preachy, and poorly written!”

“Can you give some examples?” I asked.

stack of books

He couldn’t. Not one. He’d read his last Christian novel over twenty years ago. I politely suggested that he may not be in the best position to say what it’s currently like.

I’ve heard the same stereotypes about Christian fiction repeated countless times. Yes, I read secular fiction. But I like novels with a Christian worldview. I enjoy the absence of explicit sex and extreme profanity, but it’s not just what Christian fiction lacks that I appreciate—it’s what it offers.

The variety of today’s Christian novels is vast: contemporary, historical, suspense, murder mysteries, adventure, young adult, romance, science fiction.

I’m part of an online group of 263 Christian novelists that started in 1999 with fifteen of us. I’ve witnessed firsthand these writers’ dedication to improving their craft. Many current Christian novels are not only well-crafted, but artfully integrate spiritual themes.

Sure, you run into cookie-cutter stories with limp language, just as with secular novels. No more, no less. Every writer has a worldview, and preachiness isn’t unique to Christians—consider the novels of Carl Sagan and Dan Brown. Even Stephen King, a master wordsmith, periodically gets on a soapbox. But does anyone claim all secular fiction is “predictable, preachy and poorly written” just because some of it is?

Many Christian novels develop gritty themes. Rene Gutteridge’s Listen depicts the consequences of verbal bullying, opening with a teenager’s suicide. Terri Blackstock’s Predator portrays a high-tech abductor stalking a girl online. Karen Ball’s The Breaking Point is strikingly honest, offering hope for struggling marriages. The God Hater, an imaginative story by Bill Myers, gets inside an ardent atheist’s head.

Sugar-coated? Murder, adultery, addiction, Alzheimer’s, infertility, homosexuality—I doubt if there’s any thorny issue that hasn’t been explored in Christian fiction with honesty, authenticity and a redemptive touch.

I read Francine River’s Atonement Child fifteen years ago and have never forgotten its story of rape and a child conceived. Karen Kingsbury’s One Tuesday Morning, set in the weeks surrounding September 11, 2001, pulled me in, then totally surprised me with a credible twist.

Contrary to common belief, Christian fiction did not begin with Janette Oke or Frank Peretti. John Bunyan wrote the influential Pilgrim’s Progress in 1678. The most potent work challenging American slavery was Harriet Beecher Stowe’s Uncle Tom’s Cabin, (1852), an overtly Christian novel. Lew Wallace’s Ben-Hur (1880) and Charles Sheldon’s In His Steps (1897) reached huge audiences.

As a brand new Christian in the 1970’s I consumed C.S. Lewis’s Narnia novels as well as the novels of J. R. R. Tolkien and Madeleine L’Engle. Later I discovered G.K. Chesterton and Dorothy Sayers. I read and reread Calvin Miller’s The Singer Trilogy

As for novels written within the last twenty years, Byzantium by Stephen Lawhead is a hauntingly beautiful epic. Lisa Bergren’s medieval mystery The Begotten transported me to another time and place. One of the most unforgettable characters I’ve encountered is Sema, a gorilla in Angela Hunt’s Unspoken.

Enjoy courtroom dramas and legal thrillers? I loved T. Davis Bunn’s The Great Divide and Randy Singer’s Directed Verdict.

Suspense? Read Over the Edge by Brandilyn Collins, with an opening that grabs you by the throat.

If you like literary fiction, get Athol Dickson’s The Opposite of Art. If you read The Shack, try James Rubart’s Rooms, equally creative but with better theology.

Does a pulp fiction short story about a 1955 Los Angeles boxer with a quick jab sound interesting? Download James Scott Bell’s “Iron Hands.”

Graphic novels? Read Babylon, the story of Daniel strikingly captured by Kingstone Comics. The Action Bible is a colorful story book I often read.

Fantasy? I started Jill Williamson’s By Darkness Hid, and before I knew it hours had flown by. (The publisher, Marcher Lord Press, produces nothing but Christian speculative fiction.)

Biblical fiction? Try Walter Wangerin’s Jesus or Paul. Wangerin is a student of Bible lands and customs, so the setting and characters pulsate.

Can’t imagine Amish fiction being interesting? That’s what I thought before reading Beverly Lewis’s The Shunning.

I listened to the enthralling audio versions of Wendell Berry’s Jayber Crow and Hannah Coulter. There’s nothing like a great novel read by a skilled voice actor—and you can listen while driving, exercising or sitting in the dark.

Though I don’t read much romance, I enjoyed Robin Lee Hatcher’s Ribbon of Years, Tamera Alexander’s A Lasting Impression, and Colleen Coble’s Blue Moon Promise. Liz Curtis Higgs writes captivating Scottish novels, including Mine is the Night. (While I’m told secular romances often degenerate into erotica, Christian romance novels encourage purity and committed marriages.)

Some believe Christian novels shouldn’t depict anything openly spiritual. Certainly conversions aren’t obligatory, but God’s life-changing work is real and can be powerfully depicted (think Les Miserables). By spinning an engaging story, novelists earn the right to develop themes that sway readers’ heads and hearts.

If you’ve stayed away from Christian novels because you’ve heard them disparaged by others, why not find out for yourself? Read a variety of genres and writers. Likely you’ll discover compelling stories and new favorite authors.

And whatever your opinion, it will be current, firsthand and informed.

A version of this article appeared in the June 29, 2012 issue of World Magazine.

Randy Alcorn, founder of EPM

Randy Alcorn (@randyalcorn) is the author of fifty-some books and the founder and director of Eternal Perspective Ministries


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Skip Navigation LinksHome / News / Read News

WSFS Financial to Acquire Beneficial Bancorp in $1.5B Deal

August 09, 2018, 07:25 AM
Filed Under: Mergers & Acquisitions

WSFS Financial Corporation and Beneficial Bancorp, Inc. jointly announced the signing of a definitive agreement whereby WSFS will combine with Beneficial, in a transaction valued at approximately $1.5 billion.

Concurrently with the acquisition, Beneficial Bank, the wholly owned subsidiary of Beneficial, will merge into WSFS Bank, a wholly owned subsidiary of WSFS, creating the largest, locally headquartered community bank for the Greater Delaware Valley with the sixth-largest deposit market share. WSFS has approximately $13 billion in assets.

Beneficial offers equipment leasing services through Beneficial Equipment Leasing Corporation, which is a wholly owned subsidiary of Beneficial Bank.

WSFS Chairman, President and CEO Mark A. Turner is to will become WSFS Executive Chairman on Jan. 1, 2019. Rodger Levenson, WSFS Executive Vice President and Chief Operating Officer, will become President and CEO of WSFS on Jan. 1, 2019. Upon completion of the acquisition, Gerard P. Cuddy, President and CEO of Beneficial, will become Vice Chairman of WSFS Bank and will join the boards of directors of WSFS Financial and WSFS Bank along with two mutually agreed upon current directors of Beneficial’s Board.

The transaction is expected to close during the first quarter of 2019.

WSFS operates from 77 offices located in Delaware (46), Pennsylvania (29), Virginia (1) and Nevada (1) and provides comprehensive financial services including commercial banking, retail banking, cash management, and trust and wealth management. Other subsidiaries or divisions include Christiana Trust, Christiana Trust of DE, WSFS Wealth Investments, WSFS Wealth Client Management, Cypress Capital Management, LLC, West Capital Management, Powdermill Financial Solutions, Cash Connect, WSFS Mortgage and Arrow Land Transfer.

As of June 30, 2018, Beneficial Bancorp had $5.77 billion in assets on its balance sheet. Insurance services are offered through Beneficial Insurance Services, LLC, which is a wholly owned subsidiary of Beneficial Bank. Beneficial operates from 72 offices, including 61 banking offices, that are predominantly in the City of Philadelphia and neighboring communities in southeastern Pennsylvania and southern New Jersey.

“This is an historic combination,” Turner said. “As a native Philadelphian and a lifelong resident of the Delaware Valley, I believe this combination provides a compelling opportunity to serve our combined markets as it fills a long-standing gap between big banks and smaller community banks in this market. Together, we are poised and positioned to serve customers, to capture good market share, to expand the reach of our proven successful business model, and to deliver sustainable high performance for years to come.”

Gerard P. Cuddy, President and CEO of Beneficial said, “We strongly believe there is value in partnering with WSFS and combining the strengths of our institutions. This is a sound decision for Beneficial, our stockholders, our employees and the communities we serve. We are combining with WSFS because it is an established institution with deep roots in the Delaware Valley, shares our values, and has the utmost respect for Beneficial’s legacy.”

“We are excited to be joining WSFS,” added Frank A. Farnesi, Beneficial’s Chairman. “It’s a superior financial services company that has consistently delivered outstanding value to its stockholders. The combination of these two banking franchises will create a financial powerhouse uniquely dedicated to the customers and communities of the Delaware Valley.”

The combination is WSFS’ eighth acquisition since 2010, including traditional banks and other fee-based businesses in southeastern Pennsylvania and Delaware. WSFS’ proven track record of successful integrations, combined with its strong organic growth and purposeful expansion into the greater Delaware Valley, has resulted in the creation of new jobs and significant community and economic investments.

WSFS anticipates consolidating approximately 25 percent of the combined physical banking offices over the next 12 to 24 months due to geographic overlap, changing customer needs and optimization opportunities within the network. WSFS plans to reinvest an incremental $32 million, or about 50 percent of the estimated cost savings from the network optimization, into a five-year transformational investment in technology and delivery systems. The delivery transformation will produce a top-tier physical and digital servicing platform that will significantly enhance customer experiences across all business lines.
“This partnership and our delivery transformation align with our Strategic Plan,” said longtime Delaware Valley banker Levenson. “Our combination with Beneficial creates the ideal opportunity to transform WSFS’ customer delivery and back office systems that will secure our competitive edge in a fast-changing financial services industry. This combination and the complementary technological investment align with WSFS’ proven strategy of accelerating investment spending over the short-term to deliver superior long-term returns for WSFS Owners. Our combined organization, with over 350 years of banking history, better positions us to continue to serve and outperform for all of our constituents, and vaults us past the $10 billion Dodd-Frank threshold in an economical way.”

Under the terms of the agreement, which has been unanimously approved by the boards of directors of both companies, stockholders of Beneficial will receive 0.3013 shares of WSFS common stock and $2.93 in cash for each share of Beneficial common stock. Based on WSFS’ closing price as of August 7, 2018, the per share value equates to $19.61 for Beneficial stockholders.

WSFS expects to incur pre-tax merger and restructuring costs related to both the merger and transformation investments of approximately $146 million and to achieve annual synergies of $68 million per year, once fully phased in by 2021. Approximately $56 million of such synergies, or 37 percent of Beneficial’s year-to-date 2018 annualized non-interest expense, are anticipated to be derived from non-branch operations and personnel costs, with the balance stemming from both organizations as a part of the delivery transformation initiative.

Boenning & Scattergood, Inc. acted as financial advisor to WSFS and its legal counsel was Covington & Burling LLP. Sandler O’Neill + Partners, L.P acted as financial advisor to Beneficial and its legal counsel was Kilpatrick Townsend & Stockton LLP.

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Guardianships are filed for both minors and incapacitated persons. However, all Guardianship matters in the State of Florida require an attorney (Florida Probate Rule 5.030). An individual, through their attorney, files for a guardian to be appointed for an adult person when they believe that person is not mentally or physically capable of taking care of himself/herself. A committee is appointed to evaluate the person and make their report to the court. In some instances, the adult person may be only physically unable to care for himself/herself and may need a guardian.

Guardians can be appointed as guardian of the person only, property only or person and property.

Guardianships are also filed for minors when the minor child has inherited money or property in excess of $15,000 from a deceased person, or received money from a settlement in excess of $15,000. In this case a guardian of the property is all that is needed if the minor child's parents are living. If a minor child's parents are deceased or unable to be appointed guardian, he/she may need a guardian of the person and property.

Annual Guardianship Plans

Effective July 1, 2017 - HB399 (Florida Chapter 2017-16) amends s. 744367, F.S. to require that annual guardianship plans be filed within 90 after the last day of the anniversary month that the letters of guardianship were signed. If the Court requires calendar-year filing, then the guardianship plan for the next year must be filed on or before April 1 of each year.


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Reexamining infamous Ryuk ransomware via ESET telemetry

Next story
Rene Holt

From small beginnings to ill renown: The rise of Ryuk ransomware

Ryuk is a ransomware family that has become, unfortunately, only too well known for taking down a library system, medical centers, newspapers, schools, and multiple other institutions and businesses.  Within ESET telemetry, Ryuk first appeared as a little seen threat in 2018, one which rose to greater prominence only toward the end of 2019.

Going back to the beginning, the life of the Ryuk ransomware family began in August 2018, at which time ESET dubbed the malware “Win32/Filecoder.NRY.” Detections of this ransomware strain in ESET telemetry* briefly peaked in November 2018, but overall the detections remained low:

Figure 1: Detection trend of the 32-bit version of Ryuk – called “NRY” in its early days

Other researchers in the security community had also noticed this malware early on – Ryuk was starting to gain a bad reputation after hitting at least five businesses within the first month of its arrival.

One peculiar characteristic of Ryuk is that anyone taking a first look at it could be easily misled into mistaking it for the Hermes ransomware family. After all, files encrypted by Ryuk contain – even to this day – the string “HERMES” in the footer. Ryuk, however, is a separate family of ransomware that shouldn’t be confused with Hermes.

At the end of April 2019, ESET renamed this malware “Win32/Filecoder.Ryuk”. The detections with this new name pick up the baton from where detections of “Win32/Filecoder.NRY” leave off:

Figure 2: Detection trend of the 32-bit version of Ryuk

While the detection trend picked up slightly from May 2019, a much greater threat lay in a different form of Ryuk. Ryuk seems to have been recompiled as a new 64-bit version called by ESET “Win64/Filecoder.Ryuk”. Born in March 2019, this new version of Ryuk slowly climbed to a high point in number of detections by September 2019:

Figure 3: Detection trend of the 64-bit version of Ryuk

The 64-bit Ryuk targeted about seven times more users at its zenith compared to its 32-bit sibling. Since the time of its birth, the growth of “Win64/Filecoder.Ryuk” occurred quite gradually. Could this gradual growth indicate that the threat actors behind Ryuk were focusing on higher value targets such as businesses or other large organizations rather than home users? The known targeting of Ryuk from the headlines, including such companies as Virtual Care Provider, the National Veterinary Associates and CloudJumper, suggests as much.

Detections of both Ryuk versions throughout 2019 were highest in the United States:

Decrypting Ryuk ransomware?

Ryuk takes advantage of the native CryptoAPI built into Windows operating systems to generate a unique AES-256 encryption key per file. Since AES is a symmetric encryption cipher, a victim will need access to each and every key for successful decryption of all files.

Getting those file keys, however, is unfeasible. The file keys are themselves encrypted by an RSA public key – without any significant implementation flaws – that the Ryuk writers have packaged into the malware executable. RSA is an asymmetric encryption cipher that uses a public-private key pair – whatever is encrypted by the public key can only be decrypted by the private key. That means only the attackers who have the RSA private key can decrypt and give access to the file keys of a victim.

How to stop ransomware attacks

For businesses, there are a number of options specific to ransomware that can help protect against an attack. One crucial check is to make sure that all security solutions deployed in your network are correctly configured.

For example, ESET Endpoint Security, ESET Endpoint Antivirus, ESET Mail Security for Microsoft Exchange and ESET File Security for Microsoft Windows Server all come with a configurable security layer called ESET Host-based intrusion prevention system (HIPS). The HIPS monitors system activity and uses a set of predefined rules to identify and prevent suspicious behavior from running.

IT administrators can further take advantage of HIPS capabilities by deploying tighter configuration settings against ransomware-like behavior on endpoints. Following the anti-ransomware guidelines in the ESET Knowledgebase, admins can add custom rules to prevent specific script executables, Microsoft Office processes and other common processes – like explorer.exe, rundll32.exe and powershell.exe – from launching specific applications or processes not typically required by certain employee profiles.

Unless there is a good business reason (e.g., for employees who are developers), not all employees need to run every kind of script or executable on their devices. These kinds of “don’t need extra scripts/executables” employees can be quickly grouped in ESET Security Management Center, ESET’s remote management tool, for tighter policy management of their HIPS modules.

IT admins can also apply similar anti-ransomware rules within the firewall and antispam modules of ESET endpoint products.

For further information on how to protect your company against ransomware and similar attacks, please see these useful resources:

  1. What is Ransomware?
  2. Best Practices to protect against Filecoder (ransomware) malware
  3. Ransomware: an enterprise perspective
  4. ESET vs. Crypto-ransomware: What, how and why?

*Important Note: The provided data and telemetry charts cover only ESET filecoder detections of the Ryuk ransomware family. Ransomware families (including Ryuk) are often spread by various means, including spam, spearphishing, hacked or brute-forced RDPs as well as by leveraging other delivery agents such as downloaders and bots. None of these vectors are accounted for in the telemetry charts as these are detected and neutralized by other technologies that form part of ESET’s multi-layered detection.


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The complexity of circular business models and the effect of firm size in the clothing industry - A variable development and quantitative study for the clothing industry

University essay from Göteborgs universitet/Företagsekonomiska institutionen

Abstract: With the newly added focus on the social and environmental costs associated with the fast fashionand clothing industry, many researchers have attempted to solve the problem and come up withvalid theories for change. A way to minimize externalities is with the implementation of circular businessmodels, which have become increasingly relevant to prolong the life cycle of products, reducethe use of natural resources and minimize harmful emissions and can, therefore, be a possible solutionto the problem. However, there are many different interpretations of the model, and there is nogeneral consensus that can be applied regardless of industry. Instead, it appears that customization isnecessary to fully capture the possible benefits. This thesis attempt to address this gap and provideclarity to the subject by conducting an extensive literature study review in order to investigate prominentresearch in the field of circular business models and present their similarities and differencesregarding the distinct benefits, problems and opportunities of the model. Based on the result of theliterature study, three variables are developed to show how a quantitative analysis can be made witha focus on a single industry. This was made as little research has been done regarding the correlationof (clothing) firm-size and the willingness to implement circular business models. The result of thethesis indicated that, while the implementation of circular business models appears to somewhatcorrelate with firm size, more research is needed to better understand the full extent of the potentialbenefits and problems. Furthermore, as customization of circular business models appears to be arequisite for implementation due to differences between industries, a general consensus could,therefore, facilitate the development of such personalized models and enable the transition throughoutthe economy.

  AT THIS PAGE YOU CAN DOWNLOAD THE WHOLE ESSAY. (follow the link to the next page)


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Estherville Lincoln Central Community School District
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Board Worksession

January 15, 2014

January 15, 2014
The Estherville Lincoln Central Board of Education held its regular meeting on Wednesday, January 15, 2014 at 5:15 P.M. in the high school library. Board members present were: Jodie Greig, President; Kathy Miller-Cornwall, Vice President; Duane Schnell, Mike Karels. Others present were: Tara Paul Superintendent, Kate Woods, Board Secretary/Treasurer, Shane Kalous; Elementary Principal, Mike Tiedeman- EDN, Ed Funston-KILR, Don Schiltz, Jason Kollasch, Nathan Essary; Middle School Principal, Andy Umthun, Brad Leonard; Activities Director, Frank Christensen; High School Principal
5:15 – Work Session
CALL TO ORDER/ROLL CALL                                     President Greig called the work session meeting to order at 5:15 p.m. Board members present were, Schnell, Cornwall, Karels. Absent: N. Anderson
AGENDA APPROVAL                                                       Motion by Karels, second by Schnell to approve the agenda as presented.
Motion carried 4-0.
PIPER JAFFRAY PRESENTATION                                Travis Squires from Piper Jaffray reviewed  possible financing scenarios for future building projects.   He explained the four primary sources available: 1. Cash on hand in the Sales Tax/PPEL funds or any grants or donations specified to the project. 2. PPEL Capital Loan Notes. 3. Sales Tax Revenue Bonds. 4. General Obligation Bonds. He also reviewed the borrowing constraints – Constitutional Debt Limit and Bonding Capacity. PPEL Capital Loan Notes can be issued on the voted PPEL portion of the PPEL Levy. Sales Tax Revenue Bonds can be issued for purposes that were outlined in the Revenue Purpose Statement that was approved by the voters in the District on September 10, 2013.  General Obligation Bonds could also be issued, but this would need to be taken to the voters and receive 60% approval.
                                                                                Mr. Squires encouraged the board to take care to consider the Districts need to use available resources for ongoing planned expenditures(technology, transportation, maintenance, buy down of levy, etc.) and the size and scope of the project before determining the source of financing.
ADJOURNMENT                                                      Motion by  Karels, second by Schnell, to adjourn the meeting at  6:58p.m.   Motion carried 3-0.

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Estherville Lincoln Central Community School District does not discriminate based on race, color, creed, national origin, religion, sex, gender identity, age, disability, marital status, sexual orientation, physical attributes, physical or mental ability or disability, military affiliation, political party preference, socioeconomic status, or familial status. Inquiries or grievances may be directed to Mrs. Tara Paul, Superintendent, 1814 7th Avenue, Estherville, Iowa 51334. 712-362-2692

La Escuela Comunitaria Estherville Lincoln Central no descrimina basandose en el raza, color, credo, origen nacional, religion, sexo, identidad de genero, edad, discapacidad, estatus marital, orientacion sexual, atributos fisicos, discapacidad o capacidad mental, afiliacion militar, preferencias por partido politico, estatus socioeconomico, o estatus familiar. Consultas o quejas pueden ser dirigidas a la Sra. Tara Paul, Superintendente, 1814 7th Avenue, Estherville, Iowa 51334. 712-362-2692

© 2020Estherville Lincoln Central Community School District. All rights reserved.


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With global carbon trading growing at a quick clip, Asian economies are looking to join in on the action, and exchange traded funds (ETFs) are sure to track this market entry. There is a growing recognition of carbon as a soft commodity that can be traded as carbon credits in the form of other financial products, such as ETFs and derivatives.

As carbon trading grows exponentially, many of the Asian financial centers have taken notice. Hong Kong, Tokyo, Singapore, Mumbai, Shanghai and Beijing have all considered opening exchanges for trading carbon credits. However, analysts believe that it may be to early for Asia to create these sort of exchanges unless local demand for carbon credits is created.

As Rajesh Chhabara for ClimateChangeCorp reports, China alone accounts for nearly 61% of the global supply for carbon credits, with India following at 12%. These two countries along with Malaysia, Thailand, and South Korea together generate the vast majority of the world’s carbon credits at a staggering 80%. Despite this enormous supply of carbon credits, local demand in Asia is nearly nonexistent and almost all carbon credits are currently purchased by European companies and governments to meet their own reduction targets and regulations.

Many market analysts, however, are skeptical about the carbon trading vision in Asia. Although the supply is present, there really exists no local demand with the exception of Japan. Other Asian countries still do not have regulations requiring companies to reduce carbon emissions or buy carbon credits.

The iPath Global Carbon ETN (GRN), started trading on June 24, 2008 and is down 12.9% over the past month. This ETN expects to incorporate new carbon-related credit plans as they develop around the world, which would include Asia entering into this market. When this fund launched, we explained how the global carbon credit market operates.

The opinions and forecasts expressed herein are solely those of Tom Lydon, and may not actually come to pass. Information on this site should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product.


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Last week, the Federal Reserve boosted U.S. interest rates by 25 basis points, setting the stage for rate hikes as 2017 moves along. That would appear to encourage investors to depart the rate-sensitive real estate sector and its related exchange traded funds.

However, some market observers argue that investors do not need to flee real estate investment trusts (REITs) and the relevant ETFs simply because borrowing costs are rising. With the Fed targeting three rate hikes this year, popular REIT ETFs such as the iShares Dow Jones US Real Estate Index Fund (NYSEArca: IYR) and the Vanguard REIT ETF (NYSEArca: VNQ), the largest REIT ETF, may not face as much pressure as previously thought.

REITs are securities that trade like a stock and invest in real estate directly through property ownership or mortgages. Consequently, revenue are mainly generated through rents or interest on mortgage loans. To qualify for special tax considerations, the asset also distributes the majority of income, about 90% of taxable profits, to investors as dividends.

Additionally, REITs provide diversification benefits as the asset shows a lower correlation to stocks and bonds. However, the asset category has recently experienced heightened volatility due to interest rate risks. Some investors fear REITs will act negatively in rising interest rate environment. The high dividends in REITs are attractive in a low-rate environment but are less enticing once safer Treasuries show higher rates.


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Investors can take a look at exchange traded fund flows to see how markets respond to the developing global trade war.

“Participation through ETFs has trended higher in the last month, aligning with escalation in trade war,” Deutsche Bank’s Chin Okoro and Hallie Martin said in a research note.

Over May, ETFs traded $2 trillion, compared to $1.5 trillion in April, with equity volume accounting for $1.7 trillion or 85% of total ETF volumes. As a percentage of total cash market, ETFs made up an average 29% of the combined tape in May, compared to 25% in April, reflecting an overall increase in ETF trading activity.

“Notably, a few days post the May 5th Trump tweet, ETFs traded in the 32% – 34% range of total market volume, marking the highest share of overall trading for the month of May. We note elevated trading m/m in market segments associated with trade war rhetoric. Most notably, Semis (+95% m/m), China (+32% m/m) and Transport/Aerospace (+24% m/m) saw elevated trading in May. Furthermore, we note elevated shorting activity in China (+2std), Semis. (+1.8std) and Retail (+1.7std) proxy ETFs,” the DB strategists said.

The strategists highlighted the flows into treasury ETFs this week, with SPDR Barclays 1-3 Month T-Bill (NYSEArca: BIL)iShares Short Treasury Bond ETF (NASDAQ: SHV) and iShares 7-10 Year Treasury Bond ETF (NASDAQ: IEF) enjoying the bulk of the flows. Meanwhile, some selling in corporate bond ETFs earlier in the week turned around and allowed iShares iBoxx $ Investment Grade Corporate Bond ETF (NYSEArca: LQD) and iShares Core U.S. Aggregate Bond ETF (NYSEArca: AGG) to bring in decent flows.

On the equities side, it has been two weeks of outflows from Invesco QQQ Trust (NASDAQ: QQQ) while S&P 500 Index ETFs, including the SPDR S&P 500 ETF (NYSEARCA: SPY), iShares Core S&P 500 ETF (NYSEARCA: IVV) and Vanguard 500 Index (NYSEARCA: VOO), have collectively pulled in more than $4 billion in new assets.

Additionally,  Utilities were hot mid-week with the Utilities Select Sector SPDR (NYSEArca: XLU) pulling in almost $500 million.

Looking ahead, Deutsche Bank believes trade tensions will remain a focal point for market volatility. DB economists expect trade tension to escalate further in June, highlighting retaliatory actions by China in response to US measures against Huawei. Any signs of placating the tensions would probably only occur after the G20 summit, according to DB.

For more information on the ETF industry, visit our current affairs category.


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In order to help people continue on with business as normal, we are introducing online networking!

This will allow you to network from the comfort of your own office or sofa with a brew in hand!

Our online meeting will allow you to connect from your mobile, tablet or laptop/desktop with a webcam. Alternatively, you will be able to join via telephone call.

There will be a live chat functionality along side the video conference to allow details to be passed, but we will also be providing a follow up email with the details of all those who attended.

We know times will be tough, so we will initially be providing these online meetings free of charge!

At our meetings, you can meet like-minded business people and build future relationships, working together to seen business growth.

We follow a simple structure, you will have the opportunity to introduce yourself to the group, explain who you are and what you do.

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What to Bring With You When Traveling With Braces

By April 25, 2017Orthodontics

What to Bring With You When Traveling With Braces

With spring break in full swing and summer approaching, many of our Vancouver and Coquitlam braces and Invisalign patients are getting ready to head off on holiday. As an avid traveler herself, Dr. Lee knows it can be challenging to keep up with routines when you’re on a completely different schedule and far from home. However, caring for your orthodontic appliances is super important so that your treatment stays on track. Traveling while having braces or Invisalign can be an awesome experience with some planning ahead. We’ll walk you through how to enjoy your adventure and keep your smile in great shape with our guide to vacation and braces.

Can I Travel With Braces On?

This is a questions we’ve heard quite a few times at Evergreen Orthodontics and the answer is, of course! Contrary to some myths, braces won’t set off the airport metal detector or rust when you’re swimming in the hotel pool. Yet, if you are planning on traveling with braces or Invisalign, let Dr. Lee know in advance. This way she can make sure you’re scheduled for an appointment close to when you’re leaving in order to make adjustments and check your progress. She can also give you your next set of Invisalign aligners if you’ll be swapping them out while you’re away. If you’re having any issues, taking care of them before departing will make for a much more enjoyable trip.

Put Together a Braces Travel Kit

You pack your clothes and toiletries so it only makes sense you’d also set aside room in your bag for your oral hygiene necessities. If you’re going to a city or a place that’s pretty populated, you’ll most likely be able to find everything you need there, so don’t worry if you forget something. If you’ll be camping or off the beaten path, double check that you have the essentials. Regardless of your destination, store your tools and supplies in a well-ventilated container that has holes for air circulation and drainage to avoid bacteria growth. You can sanitize your toothbrush holder and toothbrush before storing them by rinsing them in hot tap water and then soaking them in mouthwash for 30 seconds. Rinse once more and let them dry as much as possible before putting them away. Now that you know how to pack, here are Dr. Lee’s suggestions for what to pack in your orthodontic kit:

  • Your toothbrush (a travel one is also a great idea for freshening up on pit stops)
  • Fluoride toothpaste
  • Mouthwash
  • Dental wax
  • Dental floss
  • Floss threaders
  • Over-the-counter pain relievers
  • A small mirror
  • Nail clippers
  • New Invisalign aligners if you’ll be changing them
  • Your Invisalign case
  • Bottled water for brushing and rinsing your mouth if you’re camping or somewhere with unsafe drinking water

Caring For Your Braces on Vacation

Just as you would at home, make sure you brush after every meal and floss once a day. We’d never to tell you to forgo all of the treats while you’re vacationing but have sugary foods and drinks in moderation and avoid anything really hard, crunchy, chewy or sticky that could damage your brackets or wires. When you’re out and about exploring or stuck in a vehicle or on a plane, it can be almost impossible to brush your teeth after snacking. Try to rinse your mouth out with water to get rid of food debris. When you arrive at where you’re staying, brush really well. For long road trips, use bathroom breaks wisely and take out your handy travel toothbrush to refresh your teeth. Even brushing with just water will help until you can do a more thorough cleaning.

Handling Braces Emergencies on Vacation

Usually, you’ll make it back from a trip with your braces intact and everything will be fine. Occasionally, however, a problem can arise. Don’t let it stand in your way of having a fantastic time. Stay calm and follow our tips to temporarily handle the situation. Call us so we can schedule you for a repair appointment, if necessary, when you return.

What to Bring With You When Traveling With Braces

  • Sensitive Teeth – If you just got your braces put on, you changed to a new set of Invisalign aligners or had an adjustment right before leaving, your teeth could be slightly sensitive. Try sipping on cold drinks and eat softer foods like soup, yogurt and mashed potatoes until the discomfort goes away. You can also take an over-the-counter pain reliever. Be sure to follow the instructions on the package.
  • Broken or Loose Bracket – If the broken or loose bracket is towards the front or middle of your mouth, dry the area off with a tissue. Then, tear off a little piece of your dental wax, warm it between your fingers, roll it into a ball and stick it over the bracket so it doesn’t irritate you. If the bracket is in the back of your mouth, you can carefully slide it off the wire. If a long piece of wire is left behind, wash and sterilize nail clippers with alcohol and carefully clip off the excess.
  • Poking Wire – Try to push the wire out of the way with the eraser end of a pencil or the back of a spoon. If that doesn’t work, or it’s still sticking you, dry it off with a tissue and again place a small piece of dental wax over it to stop the poking. If it’s a long piece of wire leftover after removing a broken bracket, use sterilized nail clippers to carefully snip it.
  • Irritation – Sometimes, particularly when you first get braces, they may irritate your lips or cheeks. You can use your dental wax to cover any brackets or wires that are bothering you. You can also soothe your mouth by making a saltwater rinse. Dissolve a teaspoon of salt in a glass of warm water, swish it around in your mouth and then spit it out. Repeat this throughout the day as needed.

As you can see, packing the right supplies, keeping your appliances and teeth clean and knowing how to deal with any issues are the keys to successfully traveling with Invisalign or braces. Straightening your teeth doesn’t have to put a damper on your lifestyle or adventurous spirit! If you ever have any question, even while you’re on holiday, feel free to call either our Coquitlam or Vancouver orthodontic office and we’ll be happy to help.

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A man left blind and paralysed by a devastating medical condition has achieved his lifelong ambition - by becoming an emergency care worker.

Ross Mallinson, 28, from Crosland Moor, feared he would never see or walk again after being struck down by a rare and incurable autoimmune disorder.

But after going on medication the former spray painter has made an astonishing recovery - and has now qualified as an emergency care assistant.

It is an amazing achievement for Ross, who was struck down by neuromyelitis optica (NMO) in March 2014 and within a month was in hospital in Calderdale, completely blind and paralysed and on an intravenous drip.

Medics didn’t know if his vision or walking would come back because the condition affects everyone differently.

But slowly his sight began to return, and now he is living a normal life, although still takes medication and has to visit a specialist in Liverpool every six months.

Ross Mallinson of Crosland Moor who was blind and paralysed and is now a paramedic.

It is hard to tell whether NMO will come back again and it can’t be 100% guaranteed, but specialists are hopeful it won’t return.

NMO is an incurable but treatable autoimmune disorder, whereby the body’s immune system attacks its own healthy cells, most commonly in the optic nerves and spinal chord.

There are only around 100,000 sufferers in the world.

Ross, who lives with partner Rebecca Sidle, said: “It’s a relapsing condition but it’s been two years now, and men are more likely to just have the one attack.

“The specialist thinks they can wean me off the medication, and thinks it won’t come back.

“I can remember lying in the hospital and just hoping I would be able to see again. At the time I wasn’t as bothered about not being able to walk as I was about not being able to see.

“So to have come from there to now be doing the job I always wanted is a wonderful feeling.”

Ross Mallinson of Crosland Moor who was blind and paralysed and is now a paramedic.

He praised the ambulance service for not letting his condition affect his chances of landing the job.

He always wanted to work for the emergency services but couldn’t afford time off from his spray painting job to study at university, and instead worked in patient transport to get his ‘foot in the door’. He was then asked if he wanted to be an emergency care assistant and applied, passed all the tests, is now fully qualified and has recently started his new role.

“I go out with the paramedics and attend at incidents and we can do some of the medical stuff, but the paramedics make the final decision.

“It is something I have always wanted to do and it’s great to be out there helping people.”

Last year Ross hit the headlines after joining Crosland Moor teammate John Greenhalgh to win Huddersfield crown green bowling’s Meltham Cup Pairs competition.

Ross has been bowling since the age of 11.


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HSSC 2019 Recruitment: Admit Card Released for Various Instructor Posts

Published on : 28th November 2019    Author : Meenakshi

HSSC 2019: Admit card for online written examination for various Instructor posts is now available at the authorized portal. Check updates here.

The Haryana Staff Selection Commission, HSSC has uploaded the admit card for online written examination (Computer-based Test) for various Instructor posts. The hall ticket is released against the advt. no. 12/2019 for Skill Development and Industrial Training Department, Haryana. Appearing candidates can obtain their HSSC admit card 2019 by visiting the official website of HSSC – hssc.gov.in.

The HSSC 2019 exam has scheduled to conduct the online written examination (Computer-based Test) from 03rd December to 12th December 2019. The venue and other important details of the exam would be imprinted in the hall ticket.

Download HSSC 2019 Various Instructors Posts Admit Card

The candidates who have applied for the various posts of Instructor can obtain their HSSC admit card 2019 from the official website, by following these steps:

  • Visit and open the official HSSC website.
  • Once you reach the authorized website, search for the “HSSC 2019 Admit Card for Various Instructors Posts” link available on the home-page.
  • Now, enter the communicating credentials in the specified filed to obtain your hall ticket.
  • Review and download the admit card and carry its hard copy at the examination venue.

Important Note: It is to be noted that no separate hall tickets will be sent to the test-takers by the conductive body through the post.

Aspirants need to bring the hard copy (print out) of the HSSC admit card to the examination centre. Without a copy of admit card, no candidates will be entertained by the exam conducting staff. Participants need to bring any of their government-approved identity proof along with the copy of HSSC 2019 admit card.

HSSC Instructor 2019 Examination Details

The test-takers should note that HSSC recruitment exam 2019 will consists of questions containing 100 marks. The HSSC Instructor written exam will comprise questions related to the subjects of General Awareness, Maths,  Reasoning,  Science, English, Computer, Hindi, History, Literature, Geography, Current Affairs, Civics, Environment, Culture etc. of Haryana.  The written exam will comprise 90 descriptive type questions of 90 minutes duration which will be dispersed into two sections.

About the Author: Meenakshi

I am Meenakshi, a fellow researcher and content writer at Exams Planner. My passion for writing helps me get in-depth knowledge and experience in this competitive industry. I have gained extensive knowledge of India’s educational sector. This expert industry provides me a platform to enhance my talent and writing skills.

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How to claim missing Qatar Privilege Club miles after your flight

By Chris Chamberlin , September 12 2017
How to claim missing Qatar Privilege Club miles after your flight

It’s easy to earn Qatar Airways Privilege Club miles when taking flights with Qatar Airways and its Oneworld partners like Qantas, British Airways and Cathay Pacific – but occasionally, you’ll need to submit a ‘missing miles’ claim to unlock your points.

The process is simple and only takes a few minutes, so if you’ve taken a flight and your Qmiles never landed, here’s how you can claim them.

(Qantas Frequent Flyer members hoping to claim missing Qantas Points from their Qatar Airways, Qantas or Oneworld flight – rather than Qatar Airways Privilege Club miles – should instead follow these instructions.)

Claiming missing Privilege Club miles from Qatar Airways flights

Get things started by logging into your Privilege Club account and selecting ‘claim missing Qmiles’ from the My Dashboard page in the My Account section…

… or if you want to double-check whether your miles have now been credited before submitting your claim, head to the My Activities page and browse to Latest Activities, where there's also a link to begin the claim process:

Next up, you’ll reach a screen asking for your ‘passenger ticket number’:

This isn’t your frequent flyer number or your flight number: it’s the long, unique number assigned to your booking, which usually begins with ‘157’ if you booked direct with Qatar Airways.

You may find it printed on your boarding pass, but can also locate it at the top right corner of your booking confirmation or e-ticket receipt, which the airline typically sends by email you when book your flight:

Enter that number in the ‘passenger ticket number’ box in its full format (including the hyphen), such as 157-6671780665 from our example itinerary, and select your name and frequent flyer number from the drop-down box next to it, before ‘clicking retrieve flight details’.

Then, you’ll see a list of flights on that booking, and you can click on the flight(s) you’d like to lodge a claim for.

Privilege Club members can claim missing miles from flights taken up to 180 days before the date of the claim, while newly-joined members can claim miles for flights taken in the 30 days immediately prior to their joining date, although not further back.

Claiming missing Privilege Club miles from Qantas and Oneworld flights

If your journey wasn’t with Qatar Airways and was instead with one of the airline’s partners such as Qantas, British Airways or Cathay Pacific, you’ll need to lodge your mileage claim by email.

Using the email address associated with your Privilege Club account, fire off an email to [email protected] which includes a copy of your booking confirmation plus a photograph, scan or screenshot of your boarding pass(es) from the flight(s) you wish to claim points for.

You’ll also want to mention your Qatar Airways Privilege Club number and any other important information relating to your claim – such as the flight numbers you are claiming missing miles for if your booking is complex.

Claims submitted by email can take up to one month to process and follow the same rules as per Qatar Airways flights: which means you can claim miles for flights taken in the last 180 days, or for up to 30 days prior to joining for new Privilege Club members.

Remember, you can also top-up your Privilege Club mileage balance by converting points across from an Australian Citi Prestige credit card or a Diners Club charge card enrolled in the Diners Club Rewards program.

Chris Chamberlin

Chris Chamberlin is the Associate Editor of Executive Traveller, and lives by the motto that a journey of a thousand miles begins not just with a single step, but also a strong latte, a theatre ticket, and later in the day, a good gin and tonic.

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3 of the best restaurants in Bangkok’s Silom district

Go BackGo back to our Bangkok Guide
Published: February 18, 2015

Downtown Bangkok’s Silom Road and the surrounding area, best reached from Sala Daeng or Chong Nonsi Skytrain stations or Si Lom station on the MRT subway, may be prime one of the Thai capital’s prime business areas, but that means one thing – great food. After all, all those hungry Bangkok office workers need to be fed. And they are a picky bunch too, which means Silom is home to a great collection of simple eateries and more lavish restaurants – it’s survival of the fittest! Here are our pick of some of the best spots to grab a bite to eat – let us know about your favourites in the comments.

Budget: Laab Bped Yasothon

Somtum and other Isaan foods

Few things in Bangkok make for a more humble and satisfying meal than a set of dishes from the Isaan branch of Thai cuisine, which hails from the country’s vast northeastern region. Fiery somtum papaya salads in countless varieties, fragrant meaty soups laced with lemongrass, galangal and dill, and freshly grilled chicken, whole catfish and sliced pork – this is the food of the gourmand Thai masses for a reason. At Laab Bped Yasothon, a sprawling street stall set on Silom Soi 9, an army of cooks feeds the crowds that turn up each and every night for the legendary Isaan street food that is served here: if you want a real, unadulterated taste of the northeast in Bangkok, this is where to come.

Highlights include the freshly pounded salads of grated unripe, green papaya – you are sure to find one to your taste between somtum Thai, a sweet-and-sour salad adapted to suit the Bangkokian palate and featuring dried shrimps and peanuts; somtum puu pla rah, the northeastern favourite loaded with fermented gourami fish and soft-shell crab; and somtum kai khem, with the addition of salted, hard-boiled eggs. But don’t miss other popular dishes like namtok and laab, fresh and fragrant chicken, pork or beef salads, the former made with grilled meat slices and the latter with minced meat – laab is also available with minced catfish meat. After you’ve explored the rest of the selection on offer, tuck into it with some sticky rice or kanom jeen rice noodles, and wash it all down with a beer or two.

Laab Bped Yasothon is located on Silom Soi 9; the closest Skytrain station is at Chong Nonsi. Open 3-10pm, Tuesday to Sunday; expect to pay 200-300 baht for a spread of several dishes for two or more people.

Mid-Range: Thanying

Meal at Thanying restaurant in Bangkok - photo by Hirotomo T

Owned by a descendant of Thailand’s current royal family, Thanying is the real deal when it comes to serving up traditional royal Thai food in an elegant, refined atmosphere. Set in an beautifully preserved old white house, ornaments and paintings add to the sophistication of the setup and the polite, efficient service is flawless. Though flavours are somewhat toned down spice wise compared to other restaurants, owing to the use of authentic royal Thai recipes, the overall depth of flavours is excellent. Thanying is the perfect spot to enjoy an accessible experience of high-flying Thai cuisine cooked and served to perfection.

The focus here is on classic renditions of delicate, traditional dishes, like appetisers that include krathong thong, miniature boat-like pastry parcels filled with minced prawns, green peas and sweetcorn, and miang kham – a self-assembly medley of shallots, lime wedges, ginger, peanuts, dried prawns and pork crackling wrapped up in Chinese kale leaves. But we recommend trying the set of four Thai curries, which includes a green curry with prawns, beef massuman, a southern Thai chicken curry and, our favourite, red curry with grilled duck and pineapple.

Most dishes at Thanying run around the 200 baht mark; the restaurant is on Pramuan Road, close to the Surasak Skytrain station. Open daily 11.30am-10pm; www.thanying.com.

High-End: Eat Me

This long-standing restaurant come gallery serves up creatively conceived twists on European and international cuisine that will mix things up for you food wise if you’ve had your fill of Thai street fare. With attentive staff and an equally impressive menu of wines and well executed cocktails (the Siam Daiquiri features lemongrass, ginger and kaffir lime), the white building that houses Eat Me is shrouded in tall plants for an exotic tropical look. The venue is split between a dining room, balcony terrace and more relaxed lounge area; art hangs around the room as a centrepiece that offers a good balance to the fashionably washed-out walls and stripped wooden flooring.

Though it no longer always achieve top marks with critics for consistency of dishes, the crowds Eat Me continues to pull in suggests it is still doing something right even after its decade plus of operation. Among dishes highly rated on its changing menu are a rump steak of lamb with chorizo and cannellini beans, a Moroccan beef tagine and barramundi fish in a coconut soup.

Find Eat Me on Soi Phiphat, just off Convent Road; Sala Daeng Skytrain and Si Lom MRT stations are a short walk away. Open daily 3pm-1am; main dishes run anywhere between 275 and 4,800 baht; www.eatmerestaurant.com.

The Best of The Rest

The streets around Silom and Sathorn have no shortage of restaurants so here are a few more for you to try.

  • Cafes: Check out Dexter Cafe and BarThere is a growing number of cool cafe’s serving great food in Bangkok and this is one of our favorites. Our tips are the ribs or the fish and chips. (Sathorn Soi 8 – Nearest BTS Station is Chong Nonsi)
  • Isaan Food: It turns out that most of our favorite som tum restaurants are in the Silom / Sathorn Area. Check out our recommendations here
  • Seafood: A long time favorite is Somboon Seafood. Try the crab curry. (Corner of Naratiwat and Surawong Rd – Nearest BTS Station is Chong Nonsi).
  • International Flavours: For French food we would highly recommend Indigo (Soi Convent). For Lebanese check out Nadimos (Silom Road).
  • Vegetarian Food: Head to Thanon Pan (near Hindu Temple) and you will find a great selection of vegetarian and vegan restaurants including: a vegetarian street food;  Bonita Cafe and Social Club (Vegan), and Susanda (Ayurveda)

Isaan food photo by Chris Wotton; Thanying photo by Hirotomo T.

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Will Gadd
Credit: Redbull Content Pool

If you want to survive out there, learn not to trust your gear.

The first skill we teach novice climbers is how to tie into the rope. This is roughly analogous to the first step a baby takes; learning to tie into the rope is the foundation from which all other skills flow. I have taught climbing for more than 30 years, and tied into ropes many thousands of times. I know I can tie my knot in a blizzard at night with a dead headlamp, because I’ve done it. I have always put the chances of my climbing knot failing alongside the odds of being hit by a meteor. It’s not going to happen.

Which is why I found it so shocking when the rope that ran through my harness suddenly leapt away from me like a dancing snake. My partner was one of the world’s top alpine climbers, Jeff Lowe, and he had just done a brilliant climb up through horrifically technical ice. I was following his lead, and I’d been moving fast, trusting shallow pick placements in thin glazes of ice because I had the rope above me. When it’s –20°C, speed is warmth and safety.

As the rope floated away from me, my world went from “Okay, move fast” to “What exactly is holding me 150 metres above the ground right now?” I was suddenly intensely conscious of every point of contact on my crampons and ice tools. The total amount of steel in the ice preventing me from taking a surely fatal fall was less than one centimetre. My life hung on the structural integrity of half an ice cube.

Jeff knew instantly that I was no longer attached to the rope, and yelled down, “Are you still there?” With all the falling ice my tools had been smashing off, he didn’t know whether the sounds he’d heard were just the ice or my body hitting the ground. I yelled back “Yes!” but it came out as a small squeak. I can still feel the first breath I remembered to take—in my terror, I had frozen like a mouse before a cat, afraid any movement would trigger fate’s sharp-clawed pounce.

Slowly my awareness expanded outward from my toes and fingers until I was able to look around and take stock of what to do. Jeff yelled that he was going to throw me the rope, but my position was so precarious that I knew I would fall off if I tried to tie in. I slowly removed one pick, tapped it in slightly higher and danced gingerly upward, knowing that every move could be my last if I got it wrong. Jeff just watched, saying nothing. He knew the climbing was technical and the hand I was playing was worth everything.

As I finally pulled over the top, my life heaved back into me one lungful at a time. After a few seconds, Jeff said two things. The first was, “You know, I almost fell off there. That was hard.” The second was something I still often think of when I’m climbing: “Most of this technical equipment is just for show. True safety means not falling off in the mountains; the gear just reminds us not to fall.”

I realized afterwards that my rope came undone because I’d tied a low-security knot backed up with a carabiner that I’d used for another purpose at some point during the climb. It happens. Many of the best climbers in the world have died because of similarly simple mistakes.

My knot error was 20 years ago, and in all the time since, I’ve never fallen off while alpine climbing. The lesson I learned that day was to rely on myself and my own abilities first, and to trust the safety systems as little as I have to. And that doesn’t just apply to my climbing. When I canoe with my family, I always check my daughter’s and my own lifejacket straps, but long before that happens, I have built the paddling and river-reading skills to minimize the risk of flipping the canoe. No matter what the adventure, I use the best possible protective systems, but the biggest margin of safety comes from my own brain and body.

Equipment will sometimes save our lives, and we owe it to our partners and ourselves to have both good knowledge and good gear. But it’s easy to push yourself too far, believing that the equipment will pick up the slack. In the end, true safety lies in not needing to depend on that gear in the first place. I’ve survived over the last 20 years because Jeff’s words were right.