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Casino Game Side Bets - Are They Worth It?

side betsWhen it comes to casino games, they all follow a similar pattern. You place a wager on the outcome of the game, and if the game goes your way you win the bet and enjoy the associated payout. Different games work in different ways, but they all follow the same structure.

However, there are some games which can contain hidden extra bets, games within the game, or side bets as they are most commonly known. These usually run alongside the base game without directly affecting it, and can be won or lost independently of the main game.

Blackjack in particular is well known for the range of side bets associated with it, but they can be found tagged onto almost all classic casino games.

This guide will walk you through some of the advantages and disadvantages of side bets, along with the different types of side bets that are available.

What are the Advantages of Casino Game Side Bets?

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Everyone will have their own opinions on side bets, usually based on how successful they have been with them in the past, however, what we have focused on here is objectivity.

This should help those who are new to the industry and are not sure exactly what side bets are or how they might be able to benefit from playing them.

Quick to Play

For many online gamblers it is all about speed and almost instant gratification, so the fact that casino side bets are invariably over quickly means that your bet is settled in seconds.

The knock-on effect is that you might benefit from a win without having to dedicate much time or mental effort to it.

Easy to Understand

The main objective of a side bet is to provide a tempting distraction from the main game, and as a result they are simple to learn and follow.

This means you don’t have to spend fifteen minutes poring over the rules before you feel confident in how the bet works.

Lucrative Rewards

One of the similarities with all casino side bets, is that there is a greater element of risk/reward to them, however, it does not mean that they are not worth your time.

They offer the potential to win substantially larger amounts of money than the base game usually allows. However, like all games, there are no guarantees, so you should always play according to your bank roll.

Increase Excitement

An extra stake on an alternative outcome can up the enjoyment levels on each game that you play, because it gives you more to look out for as that game progresses.

Plus, depending on the side bet in question, the game is not over just because one element of your bet has lost. The base game could be a loser, but the side bet could still be active, or vice verser so you are eking out the fun.

What are the Disadvantages of Casino Side Bets?

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As much as some people love the opportunity to make extra bets on their favourite games, we appreciate that some people might find drawbacks to casino side bets.

Luckily they are always optional, so let’s take a look at some potential disadvantages to be aware of before you decide what to do.

Over too Fast

Some side bets can be over in seconds, which can be a bit deflating right at the start of a hand. This is especially true for very high risk/reward, once in a blue moon, type side bets.

On top of that, side bets might have a higher minimum bet than the base game, so it can be a sure-fire way to burn through a bank roll if you are unlucky.

Interfere with Strategy

There are online casino players who prefer a game where they can commit a pre-planned thought process to their decision making, particularly if they study the house edge of the various games and want to apply tactics accordingly. This is especially true of blackjack strategies.

These types of players might enjoy the feeling that they get when they have applied a successful strategy; something that is not usually possible with side bets which not only can’t be strategized but actually reduce long term odds of most strategies.

Some online casino players avoid casino side bets because they find them an unnecessary and annoying distraction from the main game, and they don’t want to split their focus.

This is particularly true for those who like to concentrate on one thing at a time and do not like their train of thought to be interrupted, perhaps someone who is teaching themselves card counting, for example.

Lower Return on Investment

Casino side bets have a much lower return on investment, because they are invariably more about luck than skill. Much more a case of crossing your fingers than playing optimally.

There is a stronger gambling element to them as you are having to stake almost blindly and just hope that you will be rewarded. Some players do not like this sort of risk and they become quickly disillusioned with side bets.

Side Bets Associated with Blackjack

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One of the main casino games where side bets are particularly common is blackjack, and you can read our guide on that here.

The game itself is very simple to understand (from a basic stand point at least) so these side bets can add to the excitement for some players.

Let’s take a look at some of the more common ones.

In this scenario you are taking out insurance against the dealer getting blackjack and winning the game. It sounds like it can be advantageous, however, it is actually weighed heavily in favour of the dealer.

Should the dealer show an Ace and you choose to take out insurance, you will have to put up 50% of your original stake. In the event that a dealer’s second card creates ‘blackjack’, you are paid out at odds of 2/1 which leaves you level because you lose your original bet but win the insurance bet, so your bankroll is the same.

If the dealer’s second card does not deliver ‘blackjack’ though, the insurance bet is lost and the game carries on. The thing is, you could lose the game as well, meaning you have lost 50% more than you originally staked. The illusion is that it gives you protection, though when you interrogate the odds you will find that it simply isn’t worth it.

When the dealer gets an Ace with their initial card, they have around 9/4 odds of getting blackjack (variable based on the number of decks used and which cards have already been dealt). The insurance payout though is 2/1 irrespective of this. What players do not realise is that the difference here creates a house edge of over 12%.

Perfect Pairs

While this can be a fun and interesting side bet, the odds again are in favour of the house.

This is a bet on the first two cards dealt being a numbered pair, and if the suit or colour match too then the payouts are substantial.

The odds for the possible combinations are as follows:

  • Pairs of a mixed colour pay at 5/1
  • Pairs of the same colour pay at 10/1
  • Pairs of the same suit pay at 30/1

If the casino uses fewer decks of cards then the chances of the player seeing any of these combinations are substantially reduced.

Triple 7s

For this blackjack side bet, the resulting payout hinges on how many sevens have been dealt and of what suit. You might actually find a few variations of this one but they all basically work in the same way.

This is a rare side bet that a card counter could actually gain some slight advantage with in a land based casino, but it is blind luck when playing online.

These are the possible winning combinations and the common payouts for each:

  • Wagering that the first card you get is a seven – 3/1
  • Wagering that you will have two sevens of mixed suits – 50/1
  • Wagering that you will have two sevens of the same suit – 100/1
  • Wagering you will have three unsuited sevens – 500/1
  • Wagering that you will have three suited sevens – 5000/1

One bet covers all eventualities, you don’t have to pick the outcome you think you might see, but it is important to realise though that even at the lower end these occurrences have a very small chance of happening.

This side bet borrows from poker a little, by using the player’s first two cards and the dealers up card to create miniature poker hands.

Again, a single bet covers all possible hand combinations, but once those first cards are dealt your side bet is either won or lost, so it is over quickly.

The hands you will want to look out for are:

  • Flush – Three cards of the same suit.
  • Straight – Three cards of consecutive value.
  • 3 of a Kind – Three cards of the same value.
  • Straight Flush – Three suited cards of consecutive value.
  • Suited 3 of a Kind – Three suited cards of the same value.

The payouts here might vary depending on where you are playing but they tend to start at around 5/1 for a flush and go as high as 100/1 for a Suited 3 of a Kind.

The house edge is often very high for this side bet though, we have seen it as high as 62%!

Side Bets Associated with Roulette

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Another game where it is possible to place side bets is in roulette - which we also have a guide on - although this is far less common than blackjack.

Variations of the game are more probable, and these sometimes have a side bet element to them too.

Let’s take a look at the different ones you can apply to European roulette.

Linked Slot Machines

Some online casinos will include roulette games that are linked or associated with well known and popular slots. Ra Roulette was one of these, and it had a digital wheel containing symbols from the slot which span in tandem with the live roulette wheel.

Extra spaces containing these symbols are added to the betting table so players can place bets on the roulette as normal and also on which Ra symbol they think the reel will land on, essentially creating extra side bets.

This means you can win on one wheel but not on the other, and creates a more dynamic, and also more expensive, experience.

Lucky Numbers

This side bet is actually built into the game so all players take part whether they want to or not. Different games have slightly different versions of it but the basic premise is the same across all of them, and the way the games usually pays for them is by reducing the odds on winning straight up bets.

Four numbers are selected after all bets are placed but before the wheel is spun, and random multipliers are attached as well. These can be as high as 500/1 but not usually lower than 50/1. If the ball lands on one of these lucky numbers and you happened to have bet on it, you win the random multiplier payout amount rather than the usual 35/1.

These are popular in live casinos but you can find digital versions too.

Roulette Jackpots

There are games with jackpots attached that also include a jackpot space on the wheel and betting board.

There can be very large payouts if you have bet on this and the bet comes in, and sometimes it might trigger a bonus round too, but it also reduces the odds of each other bet on the board coming in because it adds an extra slot (a bit like how a game with two zeros would increase the edge).

The player must have a bet on the jackpot in order to benefit when it lands too, so you can lose a lot of money waiting for it to come in.

Other Casino Games with Side Bets

Of course, there are other games which also have side bets associated with them, not just blackjack and roulette which are the main ones. Let’s take a look at some others where you can really make the most of these.

Video Poker

video poker deal This is an appealing game to a lot of players due to the favourable tiny house edge, something that not many players know about, and this is true of most of the video poker variations out there. A lot of these games also have a separate ‘gamble’ feature, which is not technically a side bet because it relies on you winning your hand, but it is close.

The way this feature works is by allowing you to gamble your winnings from the hand you have just played in order to double your profit. It often takes the form of a higher or lower card game so it is totally down to chance, and although this will have a much higher house edge than the base game it is good for variety and provides the opportunity for bigger wins.

baccarat 400pxThe most widely played gambling game in the world thanks to its dominance in Asian countries, is baccarat

You can find out about the base game here, but there are a number of side bets which you might find available with baccarat, and they allow you to wager on outcomes outside of the usual banker win, player win, or tie.

  • All Red/All Black – In this side bet, you are wagering on whether the player’s hand will either be all red or all black. A winning ‘all red’ bet results in a 22:1 payout, while an ‘all black’ bet delivers a 24:1 payout.
  • Bellagio Match – This one is based on whether the player or the banker ends up with a hand featuring three of a kind. If the player manages this then the payout is 75:1, while for the banker it is 68:1.
  • Big and Small 4-5-6 – This is where you bet on the total combined number of cards in the player’s and banker’s hands at the end of the round. A winning bet on four cards has a payout of 3:2 and a winning bet on five or six cards has a 2:1 payout.

RTP for Casino Side Bets

casino side bet rtp

Every online casino game has an RTP (Return to Player) rate that is built into the game and displayed as a percentage. This refers to the payout ratio that you can expect from that game, and is essentially the reverse of the house edge. So if the house edge of a game was 3% then the RTP would be 97%.

Base game return to player percentages are typically no lower than 90% in most cases, but the type of game you are playing will be an influence here; for example, the average for a slot is around 96% whereas with blackjack it is 99.5% in many cases. You can read about games with the lowest house edge here.

RTP is often explained as the amount that you can theoretically expect to be paid back out of £100 across a huge number of hands or spins; so if you played a slot with an RTP of 97% then you can expect to get £97 back out of £100. This is not to be taken literally, the percentage is worked out over millions of test games to give an overall idea of how generous (or not) the game is.

Because casino side bets are based mostly if not entirely on luck, the RTP is generally much much poorer. However, this is one of the reasons why the rewards can be so substantial – you are less likely to win but when you do that payout will be more lucrative.

When you apply the thinking behind RTP and how casino side bets work, the value for some players (especially seasoned gamblers who play to strict strategies) is simply not there. Side bets are good for a bit of fun, a little bit like buying a scratch card or lottery ticket, but they don’t really have a place in any long term strategy.

Final Thoughts

One of the most important things to decide about casino side bets is whether or not they fit into your style of play, and if they provide what you are looking to get from your online casino experience.

Some players who just want some fun like them because they complement the main event, add variety and extra excitement, and can make for a nice distraction, regardless of them being less likely to bear fruit.

Others who prefer playing the long game and gamble with discipline avoid them at all costs, because they would destroy their returns and burn through their bankroll in double quick time, putting an end to their strategy.

Ultimately, side bets are there to claw back more money for the casino, but just like the lottery, someone has to win them. The question therefore is are you willing to take the extra risk?


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Charles Dickens began writing A Christmas Carol in October 1843; he completed it the following month, and it appeared in bookstores in December. Two months later, eight theater companies had mounted productions of the ghostly Christmas tale. Later in his life, Dickens himself performed the story, giving readings of his work throughout Britain and America. By all accounts, Dickens was a master storyteller who put on a lively voice for each character, and often edited or changed the text to appeal to a particular audience.

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Charles Dickens in 1838, a few years before writing A Christmas Carol. Engraved portrait after an 1838 drawing in chalk by Samuel Laurence (public domain)

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Iran vs ISIS, stubborn imperial designs

The conflict of radical Shi'a-Sunni forces is fuelled by unyielding absolutisms that oppose the world's leading trends over the past century.

Hazem Saghieh
29 December 2014

For many years, talk of Iran's greedy ambitions in the Gulf region has been a staple theme of political discourse. Some of the chatter is a hangover from the period before the revolution of 1979. In the early period of his regin, Iran's Shah harboured the delusion that he could replace Britain in the Gulf when the Suez calamity of 1956 accelerated the withdrawal of the old colonial power. The Shah sought to activate his grandiose dreams of regional hegemony when he sent forces to occupy three small islands: Greater and Lesser Tunbs, and Abu Musa.

These were meagre gains, and the Shah’s relationship with the United States - the newly dominant external power - was to keep his imperial objectives in check. At the time, some observers regarded the policy of the Shahenshah ("king of kings") as purely strategic with no other dimensions (cultural, economic, or demographic). Some among America’s critics even called the Iranian ruler's expansionary course “sub-imperialism”, undertaken essentially on behalf of Washington.

The same argument, regardless of how accurate it was then, is not applicable to the regime founded by Ayatollah Khomeini. It operates on a very different scale; it is driven forward by an ideology that encompasses both heaven and earth, offering absolute certainty to those seeking salvation untainted by doubt; and it has shown itself capable of winning influence and adherents far afield (Yemen, Lebanon, Syria, Iraq, and Gaza).

Iran’s Khomeinists chose this approach early on in their rule. They eliminated leading figures of the revolution's initial breakthrough such as Mehdi Bazargan, Ebrahim Yazdi, Sadegh Ghotbzadeh, and Abdol-Hassan Bani-Sadr. Each of these men came in one way or another to realise that the combination of aggrandising ambition and epic fantasy was no longer compatible with the contemporary world.

After all, the disappearance of the Habsburg and Ottoman empires in the wake of the 1914-18 war taught a lesson to powerful states: the only way to survive was to trim their territories and enter the modern world in the form of nation-states. It's true that the Russians resisted that reality by reproducing the Tsarist empire in communist form, but after long the demise of communism - and against much greater odds - it seems they are still seeking to oppose the world's main dynamics.

So too is the unyielding, radical Shi'a core of Iran's regime. Yet its survival today, and ability to get its way (over defending its ally in Damascus, or the emerging dialogue with the United States) is also becoming bound up with an equally absolutist ideology among radical Arab Sunnis. The rise of ISIS, whose aim is to restore the transnational “caliphate” abolished by Kemal Ataturk nearly a century ago, is an expression of this latter phenomenon. ISIS's pursuit of its objective entailed both clashes with most traditional Sunni forces and the snubbing of those local and national causes - such as Palestine and most recently the Syrian revolution itself - which for long had preoccupied Arab (and especially Sunni) public opinion.

The nadir of ideology

ISIS's origins can in part be traced back to the failure of earlier projects seeking to unite the Arabs. The tragic climax of those failures came in 1990 when the Sunni Iraqi leader Saddam Hussein expanded - imperially - into Kuwait in complete disregard for traditional Arab reality and its borders. Saddam in addition threatened western interests, embracing the deranged belief that he could replace the then dying Soviet Union while turning the superpowers' long cold war into a hot war from which he could emerge the triumphant hero of the Arabs.

In this larger scheme of history, it can be said that Tsarism and Stalinism gave birth to Putinism; Shahenshahism to Khomeinism; and Saddamism to ISIS. The difference betwen the first process and the other two, however, is significant. In the Russian case, the hegemonic drive receded after losing its ideological (communist) component; in the Sh'ia and Sunni cases, this ideological ingredient became maximalised.

Today, it is obvious that Iran, in its core statehood, has immeasurably better odds than ISIS. Tehran is bargaining with the world using real cards, including its ability to stand alongside the same world powers which are fighting ISIS; by comparison, the cards wielded by Abu Bakr al-Baghdadi’s organisation (the 9/11 legacy, beheadings, extermination of minorities) are reactive and negative. Each side, however, in its own way is trying to halt the dominant trends in the world since 1918.

The ability of such counter-forces, Russian as well as radical Shi'a and Sunni, to gather some support must be recognised. Disenfranchisement in the modern world contributes to stubborn resistance which can be given shape by a precursory ideological lexicon rife with victimisation, self-righteousness, dreams of glory, and constructed "authenticity". The history of the larger Middle East is a rich source of inspiration for those willing to march forward to total nihilism and self-annihilation.

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 Weekly Wisdom: Benefits of Radio-Opaque Guides - Oral Health Group

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Weekly Wisdom: Benefits of Radio-Opaque Guides

by Oral Health

In this week’s episode of Weekly Wisdom, Dr. Mark Lin describes the benefits of radio-opaque guides.

Subscribe to Oral Health’s weekly e-newsletter to have the latest episode delivered straight to your inbox each week!

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ALLIANCE         ONYX         SILVER         ZEPHYR         ENCOUNTER         ILLUSTRIOUS         CONQUEROR         ENTERPRISE       COMPARE

Hi Fi Cartridge Compliance and Tonearm Effective Mass

Do Cartridge Compliance rules always hold true?

Some say you need to match your cartridge compliance with a specified tonearm effective mass. The recommended effective mass is sometimes specified by cartridge manufacturers. If not there are formulas which calculate the theoretical optimum. In practice we have found that our arms are unusual. They work seriously well whatever they are put with. The reasons for this may slay a few sacred cows.

cartridge compliance for tonearm effective massCartridge compliance calculations are an overrated simplification of complex problems. For example the vertical compliance is sometimes different to the horizontal compliance but this is not stated. As far as compliance issues go – Origin Live and many dealers find theory bears little or no relation to reality. This view is now increasingly held. There are too many surprising experiences where theoretical optimums mis-track and theoretical mismatches track perfectly.

For example The Cartridge Man will tell you that his cartridges do not track in the SME V arm even though the effective mass of 10.5 grams is PERFECT for the compliance of his cartridges. On the other hand our Silver MK1 arm at 16 grams tracked his music maker and all other cartridges with no problems.

Origin Live tonearms are an exception

Clients frequently ask us about cartridge compliance and the best match for our arms. The advice we offer never causes problems. Ignore cartridge compliance because tonearm effective mass is a non issue for our arms. This is because a properly designed tonearm is affected by compliance effects far less than would otherwise be expected.

Proof of this claim is found by many clients who invariably state that a change to one of our arms upgrades the performance of their cartridge. This remains true whatever their cartridge and previous tonearm. In other words compliance is well down the scale of significant factors to the point of irrelevance in a good arm. You may find those who will argue with this but they always seem to relate matching issues they’ve had with other arms and not an Origin Live one.

Our Research into Cartridge compliance

We’ve experimented with cartridge compliance / tonearm effective mass, using London Decca cartridges. These are far more prone to mistracking than most and hence very fussy about arms. The ideal effective tonearm mass for these cartridges is 25 grams and yet they track as normal in our 13 gram effective mass tonearm. This is highly unusual. We then added weight to the headshell to increase effective tonearm mass up to 25 grams. Although performance in the bass did improve, it was fairly minor. The Conclusion is that cartridge compliance is only a small factor among many other far more important aspects of tonearm design.


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Wooden Photoframe

Wooden Photoframe

Regular price Rs. 750
Inclusive of all taxes

In this day of digital everything, make a moment special by putting it up on a non virtual wall. Print it, slip it in and gift it to that special someone. Get one or more to make a collage.

Photo size: 6" x 8"
Wooden photo frame
Hanging hook
Hand-wrapped in Kraft with twine

Made with love for the design loving global nomad. Ships worldwide.

Show us how you use it #originonestore

we love what we do

Made with love

Every Origin One product is entirely made by hand or using artisanal techniques.

We're into the little details because small things matter.

Design is everything

Design living and living by design, every product has been created from scratch and designed to perfection.

Inspired by life & love, we're in constant creation.

big blue spaceship first
planet friendly

Origin One uses FSC certified paper from sustainable sources and 100% natural yarns + we plant trees to offset our carbon footprint!

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Vinpearl Resort & Golf Nam Hoi An

Vinpearl Resort & Golf Nam Hoi An is one of our top recommendation luxury 5 star hotel in Hoi An – and also a favorite place for travel business, leisure, family and honeymooner.

Located in the south of Hoi An city, Vinpearl Resort & Golf Nam Hoi An is located at Lang Gi. This 5-star resort offers 24-hour front desk service and free Wi-Fi throughout. Resort has a jacuzzi, sauna, private beach and outdoor pool. Guests can cycle in the nearby area. Children with parents can enjoy a myriad of activities at the children’s club.

All rooms at Vinpearl Resort & Golf Nam Hoi An feature seating areas, flat-screen TVs, air conditioning and a work desk. Private bathrooms come with a bathtub and free toiletries.

Telephone With Direct Dial, Writing Table with Chair, Table Lamp, Envelopes, Letter Head with Pen, High Speed Wireless Internet, LCD / LED Television with Satellite Channels, CD / DVD Player, Mobile USB Charging / Media Hub with Bluetooth, iPod docking station with radio., Alarm clock, Adapters and Extension Cable on Request, Electronic Safe / Locker, Mini Bar / Mini Fridge, Tea / Coffee Maker, Wardrobe Wardrobe, loth Hangers, Ironing Board, Iron, Shoe Shine, Shoe Polish and Brush, Shoe Rack, Laundry Bag, Laundry Slip, Luggage Rack, Slippers, Bathroom with shower & WC, Hair dryer, Hand, Bath & Face Towels, Bath Mat, Bath Rob, Dental Kit, Shaving Kit, Sewing Kit

Shopping & Eating

  • Hoi An Market 12 km
  • Hoi An night market 12.4 km

The property serves a daily buffet and American breakfast. Guests can enjoy a variety of local and international dishes at beautifully designed restaurants. The rooftop bar has spectacular views, and typical drinks and snacks are also available.

Hotel Facilites & Amenities

General Facilities

Free private parking is available on site, Shops (on site), Car rental, Shuttle service, Airport shuttle (additional charge), Shuttle service (free), Designated smoking area, Air conditioning, Soundproof rooms, Elevator, Family rooms, Facilities for disabled guests, Non-smoking rooms, Newspapers, Room service, Ironing service, Dry cleaning, Laundry

Outdoor Activities

Beachfront, Sun deck, Private beach area, BBQ facilities, Terrace, Garden

Free! WiFi is available in the hotel rooms, Free! WiFi is available in public areas

Languages Spoken

Vietnamese, English, Japanese, Korean, Russian

Front Desk Services

Ticket service, Tour desk, Currency exchange, Private check-in/out, Concierge, ATM on site, Baggage storage, Express check-in/out, 24-hour front desk, Safety & Security (Safe)

Beach, Kids’ club, Water sports facilities (on site), Entertainment staff, Bikes available (free), Snorkeling, Cycling/ Hiking, Library, Bicycle rental (additional charge), Karaoke, Pool table, Playground, Game room, Fishing, Tennis court

Health & Wellness Facilities

Swimming pool, Outdoor pool (year-round), Heated pool, Outdoor pool, Massage/ Spa, Fitness center, Babysitting/Child services

ENJOY a comfortable stay

EXPLORE. a best of price & benefits

Things to do around

Vinpearl Resort & Golf Nam Hoi An is located 12 km from Hoi An City and 35 km from Da Nang City. Da Nang International Airport is also 35 km away. This hotel is also rated as one of the best 5 star hotel service in Hoi An. Sure your will save more than staying at other properties in this peaceful town.

Top 15 Must-See Hoi An Attractions To Visit in Hoi An

  • Japanese Covered Bridge
  • Tra Que Village
  • Kim Bong Carpentry Village
  • Tran Family Chapel
  • An Bang Beach
  • My Son Sanctuary
  • Hoi An Old Town
  • Cua Dai Beach
  • Hoi An Central Market
  • The Chinese Assembly Halls
  • Cam Kim Island
  • Tan Ky House
  • Hoi An Riverside
  • Cham Island
  • Museum Of Trade Ceramics In Hoi An

Besides that, when booking Vinpearl Resort & Golf Nam Hoi An, the staff also suggest activities around this area. Such as Full-Day Tour To Hue From Hoi An to make sure that you always interested in during the holiday in Hoi An. Whether you come to relax or business, make Vinpearl Resort & Golf Nam Hoi An is the perfect choice for your stay in Hoi An.

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OSHSA's advocacy efforts are focused on supporting laws, rules and statutes that enhance, expand and assure practices that benefit the Medicaid Schools Program and the School-Based Health Center models and programs that compliantly and positively impact the select student populations they are designed to serve. Furthermore, OSHSA's positioning as the common voice, information center and chief advocate for the non-profit organizations, schools and school districts, health services providers and private companies attached to these efforts is completed by the advocacy work of the Association.

OSHSA's advocacy work includes Government Agency/Department communications, legislative communications, review, and initiation of legislation via our Government Relations section, lead by Bryan Williams and the Byers-Mitten Group. Some of the initial successes include: the rewrite and passage of HB 89; review and influence on the related rules attached to HB 89; direct liaison work with the Ohio Department of Medicaid, Ohio Department of Education and the education and health-related leadership of the appropriate legislative committees in both branches of the legislature.

Additionally, this advocacy work includes regularly updating the field on governmental agency and legislative actions, orders and communications from both the federal and state governments. Please share w/ the Association's Office any questions/suggestions that you believe to be worthy of attention, exploration, and action related to the delivery of related services to Ohio's MSP and School-Based Health Centers efforts for the ultimate benefit of our 1.7 million school children.

OSHSA Response-MSP

OSHSA response/questions to potential changes in Ohio's MSP rules

ODM Response to OSHSA

ODM's response to questions raised by OSHSA email

Important Legislation

Ohio HB 89

Ohio House Bill 89.

Fiscal Impacts HB 89

Fiscal Note & Local Impact Statement of HB89

Government Committee Links

Ohio House Health Committee

House of Representatives Committee for Health

Ohio Senate Committee for Health, Human Services, and Medicaid

Senate Committee for Medicaid

Ohio House Education Committee

House of Representatives Education Committee Members Listing

Ohio Senate Education Committee

Senate Committee for Education


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Christmas Tree Cutting Activity

Christmas tree cutting activity with free template.

Use this Christmas tree cutting activity to let your child practice cutting out triangles. Decorating the completed trees is another way to include fine motor skills in this activity.

You will need:

  • Scissors for your child
  • Glue to paste the shapes together
  • Decorations (eg stickers, or small pieces of crepe paper to crumple)
  • Template printed on cardstock:
    - the color template has the shapes already colored in, and you can print it on white card stock.
    - the black and white template has the outlines of the shapes and you can either print them on colored card stock or on white card stock for your child to color.

Back to Top

Most of the photos for this Christmas tree cutting activity show the black and white template which has been colored in, as this was my child's choice. But the same cutting technique applies for both!

Step 1: Prepare the Shapes

Have your child color in the shapes if desired.

We are working on wrist extension by doing this on a wall.

Separate the shapes to make it easier for your child to handle the paper when cutting them out.

I simply cut the paper into 2 sections.

Step 2: Cutting Out

Have your child cut out the shapes.

Remember to make sure your child uses the scissors correctly and goes around the paper correctly.

See this page for more tips to help your child cut well.

My child was able to tackle the smaller shapes, but you may need to assist with the star, or leave it out altogether.

Step 3: Assemble the Tree

If making a hanging tree, stick the pieces together as shown.

Thread some ribbon or thread through the top of the tree and hang it up!

If making a tree to paste on a page, assemble the pieces as shown.

I preferred a darker background, but my child chose white.

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Decorate The Tree!

Build more fine motor skills with this Christmas tree cutting activity!

Outline the tree with a crayon - this works on visual-motor integration as your child traces around the tree.

Cut crepe paper into small strips (see how to cut the strips quickly and easily)

Use the tripod fingers to crumple the crepe paper into small balls. (This is explained in detail on my finger exercises page.)

If you like this craft, but want to have the template and the instructions in an accessible format, then check out my Christmas Scissor Cutting Pack!

The completed tree!

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If your child struggled with this Christmas tree cutting activity, try my scissor skills and cutting templates resources to help your child develop better scissor skills.

Christmas Cutting Practice Printables!

Do you want to give your child more scissor cutting practice using a Christmas theme? Are you struggling to find good scissor cutting templates?

OT Mom’s Christmas-themed cutting printables will give your child lots of cutting practice with lovely end products to build your child’s confidence!

cutting skills printable templates for Christmas

There are 17 different scissor cutting crafts, all with photographed instructions and a variety of templates - over 40 templates in all!

Suitable for a range of skills - from preschoolers who are just learning to use scissors, all the way to early elementary kids who need more practice with their scissor skills.

Starting with simple snipping activities, the templates will enable your child to learn to cut on straight lines and then to cut out shapes.

All the activities are photographed so you and your child can see what you are working towards!

View my Christmas Scissor Cutting Printables now!

Thank you for visiting my site! I hope you found this activity helpful!

Why not sign up for OT Mom Activity Updates - my occasional newsletter to keep you in touch with the latest additions to my site?

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If this page was helpful, please share it with your friends!

View my OT Mom printable resources!

Didn't find what you were looking for? Try a search of my site!


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Jane Kates Pincus

headshot of Jane PincusJane Kates Pincus is a founding member of Our Bodies Ourselves and co-author of “Our Bodies, Ourselves.” She continued to write for and edit chapters on childbearing and other subjects in each successive book up through and including the 2005 edition.

In 1970, along with five other women, Jane made a 26-minute film, “Abortion,” just as abortions were becoming legal in the United States.

When her family — husband, daughter, son and dog — moved to Vermont, she continued to advocate for women- and family-centered maternity care, and has edited books on the subject of women’s health. She translated Michel Odent’s “Birth Reborn” from the French and has written book prefaces and book and video reviews for the perinatal journal BIRTH. Over the decades, she presented before women’s groups and a variety of nursing and medical classes at the University of Vermont and testified at the Statehouse when necessary to advocate for crucial women’s health issues, such as freedom of choice and the advancement of midwifery.

Jane has also been an artist for 50 years and has created many fanciful and political acrylic/collage paintings.

She continues to live in her Vermont farmhouse without Edward, her husband of 53 years, who died in 2013 and is sorely missed. She lives there with her son, Ben; daughter-in-law, Heidi; and two grandsons — Caleb and Kai. Her daughter Sami lives nearby, and her grandson Jordan has joined the Marines.

Women’s eNews: How a Group of Friends Transformed Women’s Health


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Reviews of Clanmore Montessori School

Oakville, ON  |  Grades NS - 8  |  Shortlist

Topic: School Location

Don Kerr - Parent   (Jul 11, 2019)

We have two boys at Clanmore, both of whom have attended since Toddler. We are truly part of the family at this school and throughout the many years we've seen our boys accomplish so very much. Most notably for us - our lads have retained a powerful sense of curiosity. The school's ability to create and nurture inquiring minds is a standout feature. This comes about as a direct result of the quality and character of the teachers. So often we hear organizations make claims to caring for our children as though they were family. There are few who can genuinely deliver on this promise. It is difficult but from the head of school, Grace Kidney, to the folks in the kitchen, everyone authentically embraces our children with insight, patience, acknowledgement of the individual needs of each of our boys. At Clanmore our kids are learning to be adaptable - things change and so they are shown how to be nimble. They are learning to be resilient - sometimes we have to turn toward adversity to learn and progress. This is encouraged. They are exposed to the requirement to be agile - even at the youngest ages they learn how to confidently pivot. We couldn't be more happy with our Clanmore decision. Since our sons enrolled, we have relocated to new homes three times. That can be a challenge for kids. Throughout all of this though there was the beautiful home they enjoyed at Clanmore and the roots they have established are deep and meaningful.

Emily Johnson - Alumnus   (Apr 10, 2018)

When I was a student at Clanmore one of the many phrases that we had was "the little school with the big heart". Although the school has grown ten times over, they still are able to keep this atmosphere at its core. The teachers at Clanmore have a fantastic ability to connect with students, and create a learning plan that best suits every individual. This kind of experience is difficult to come by. The teachers and faculty at Clanmore have really mastered creating a wholesome experience that makes coming to school so positive and special. If you are looking for a place that your child can grow, learn, and develop into a magnificent individual... Clanmore is most definitley the place.

Karen Kafel - Parent   (Feb 13, 2018)

She loves going to school. She loves the activities, the kids and the teachers. She begs me every morning, even on the weekends, to go to school.

More about Clanmore Montessori School

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Date: 17th October 2011 at 12:14pm
Written by:

Rafa Benitez has made his future plans clear, he wants to return to manage Liverpool one day! But would that be a good move?

Benitez spoke last night at The Empire theatre and said, “I was really proud to be Liverpool manager and I want to be manager in the future.

“I will wait. I don’t want headlines tomorrow, but I want to support Kenny. But in the future, if I have to wait three, five, 10 years.

“I was really pleased and happy at Liverpool and hopefully they will win a lot of trophies. But when Kenny retires . . . I’ve had two or three phone calls from China, Russia and Mexico, but for me, the priority is the Premier League.”


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Experts: Spend opioid settlement funds on fighting opioids

As a $26 billion settlement over the toll of opioids looms, some public health experts are citing the 1998 agreement with tobacco companies as a cautionary tale of runaway government spending and missed opportunities for saving more lives.

Mere fractions of the $200 billion-plus tobacco settlement have gone toward preventing smoking and helping people quit in many states. Instead, much of the money has helped to balance state budgets, lay fiber-optic cable and repair roads.

And while the settlement was a success in many ways — smoking rates have dropped significantly — cigarettes are still blamed for more than 480,000 American deaths a year.

“We saw a lot of those dollars being spent in ways that didn’t help the population that had been harmed by tobacco,” said Bradley D. Stein, director of the RAND Corporation’s Opioid Policy Center. “And I think it’s critical that the opioid settlement dollars are spent wisely.”

Lawyers for states and local governments and the companies laid out key details of the settlement on Wednesday and said there are provision to make sure the money is used as intended.

The deal calls for the drugmaker Johnson & Johnson to pay up to $5 billion, in addition to billions more from the major national drug distribution companies. AmerisourceBergen and Cardinal Health are each to contribute $6.4 billion. McKesson is to pay $7.9 billion.

Nearly $2 billion of the funds would be reserved for private lawyers who were hired by governments to work on their suits against the industry. State attorney general offices could also keep some of the money.

States — except West Virginia, which has already settled with the companies but could receive more through the deal — will have 30 days to approve the agreements. After that, local governments will have four months to sign on. Each company will decide whether enough jurisdictions agree to the deal to move ahead with it. The more governments sign on, the more the companies will pay.

“While the companies strongly dispute the allegations made in these lawsuits, they believe the proposed settlement agreement and settlement process it establishes ... are important steps toward achieving broad resolution of governmental opioid claims and delivering meaningful relief to communities across the United States,” the distribution companies said in a statement.

Connecticut Attorney General William Tong said it would be the second-biggest cash settlement of its kind in U.S. history behind the tobacco deal in the 1990s.

North Carolina Attorney General Josh Stein said the opioid agreement requires state and local governments to use the vast majority of the money on abatement — and that will be subject to a court order. The deal calls for at least 70% of the money to go to a list of abatement activities such as providing naloxone, a drug that reverses overdoses; helping house homeless people with addictions; or educating the public on the dangers of the drugs, among many other possibilities.

“We all are experiencing the consequences in communities across North Carolina, across the country,” Stein said on a video news conference Wednesday.

Not every state is ready to agree. Washington state Attorney General Bob Ferguson said he would reject the deal as “insufficient” and move ahead with a trial on claims against the distributors scheduled to start in September.

Grant Woods, a former Arizona Attorney General who’s been involved in both the tobacco and opioid lawsuits, said the difference this time is that “everybody wants this money to go towards opioids and abatement around the country”

The deal would be part of the ongoing effort to address the nationwide opioid addiction and overdose crisis. Prescription drugs and illegal ones like heroin and illicitly produced fentanyl have been linked to more than 500,000 deaths in the U.S. since 2000. The number of cases reached a record high in 2020.

If approved, the settlement will likely be the largest of many in the opioid litigation playing out nationwide. It's expected to bring more than $23 billion to abatement and mitigation efforts to help get treatment for people who are addicted along with other programs to address the crisis. The money would come in 18 annual payments, with the biggest amounts in the next several years.

This is likely to be the biggest group of settlements, but other companies, including OxyContin maker Purdue Pharma, generic drugmaker Mallinckrodt and the consulting firm McKinsey have all reached or nearly reached national settlements over opioids, too. Some drugmakers, smaller distributors and pharmacy companies are still being sued by thousands of government entities.

A group of advocacy organizations, public health experts and others are pushing for governments to sign on to a set of principles for how settlement money should be used. They include establishing a dedicated fund for combating the epidemic with the settlement money and making sure that it doesn't just replace other funding streams in the budget.

The group has pointed out that many state and local governments have already made cuts to substance use and behavioral health programs because of economic downturn wrought by the coronavirus pandemic. And government officials may be tempted to fill holes in budgets with the money.

Joshua Sharfstein, a vice dean at the Johns Hopkins Bloomberg School of Public Health, said it's crucial that the money is spent to combat the opioid scourge because the overdose epidemic is raging.

Last year, there were a record 93,000 fatal overdoses from all drugs in the U.S. The majority of them involved fentanyl, a potent synthetic opioid that has medical uses but is also produced illicitly.

“Everybody is both excited and a little worried,” Sharfstein said of the expected funds, “a little worried that they may be squandered.”

Paul Geller, a lawyer representing local governments, said the structure of the settlement ensures the money will be used as intended.

“It won’t be used to fill potholes or build libraries or balance budgets,” Geller said.

Those are the kind of things that a significant portion of the tobacco settlement money has been spent on, according to the Campaign for Tobacco-Free Kids, which tracks the money.

Campaign President Matthew L. Myers said the tobacco settlement is “one of the greatest missed public health opportunities of our lifetime.”

“We would have saved massively more lives,” he said if more money was spent on cessation and prevention.

The settlement was the result of states wanting to recoup healthcare costs associated with tobacco-related illnesses, while alleging the industry misled the public.

Joelle Lester, director of commercial tobacco control programs at the Public Health Law Center in Minnesota, said the tobacco settlement was “both a huge success and a cautionary tale.”

It led to rising cigarette prices, which caused smoking rates to drop. Marketing, particularly to kids, was curtailed. And adult smoking fell from 24.1% in 1998 to 13.7% in 2018, according to the American Lung Association.

But the money that was diverted could still have made a bigger difference, she said.

“The folks negotiating these settlements have to keep their focus on the destruction to health and communities caused,” she said of industry settlements in general. “Every element of the settlement should either try to remediate the harm caused or prevent it from continuing.”

Finley reported from Norfolk, Virginia, and Mulvihill from Cherry Hill, New Jersey.


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Lexus is top brand in Consumer Reports' reliability survey

DETROIT (AP) — Elaborate new transmissions are helping automakers meet rising fuel economy standards, but they're also requiring more trips to the repair shop.

Transmission problems tripped up Honda, Nissan, Jeep and other brands in Consumer Reports' annual reliability survey. Drivers reported rough shifting, clutch failure and even transmissions that had to be replaced twice in the first year of car ownership.

Lexus and Toyota — which rely on older transmissions in many of their models — were the best-performing brands in the survey. Lexus or Toyota has topped the survey since 2011. Audi, Mazda and Subaru rounded out the top five. The worst performers were Infiniti, Cadillac, Ram, Jeep and Fiat among 28 brands.

The survey, released Tuesday, predicts the reliability of 2016 cars and trucks based on a survey of its subscribers. This year's survey was based on responses from owners of 740,000 vehicles. Consumer Reports' annual survey is closely watched by the auto industry, since many potential buyers follow the Yonkers, New York-based company's recommendations.

Wall Street watches closely, too. Tesla Motors' shares fell nearly 10 percent after Consumer Reports said it would no longer recommend its Model S sedan. The Model S got high scores in the magazine's driving tests, but owners reported multiple mechanical problems.

Transmissions with more gears help engines run more efficiently. A car with an eight-speed transmission gets about 8 percent better fuel economy than one with a four-speed, according to the U.S. Environmental Protection Agency. Dual-clutch transmissions use separate clutches for odd and even gears, allowing faster shifting. And continuously variable transmissions do away with fixed gears altogether, relying instead on a system of pulleys to produce an infinite variety of engine to wheel-speed combinations.

But new technology can cause problems. Honda Motor Co. took a risk and put two new transmissions — an eight-speed dual-clutch and a nine-speed — in its 2015 Acura TLX sedan. Consumer Reports said they had multiple problems, and the Acura brand slipped seven spots to 18th in this year's survey. The Honda brand remains in the top ten, but it fell below Kia for the first time due to transmission problems as well as glitches with its infotainment system.

Jeep, too, remained at the bottom of the survey because of problems with the nine-speed transmission in its new Cherokee SUV, which is made by the same company that supplies Acura. And continuously variable transmissions caused problems for Nissan and its luxury sibling, Infiniti.

Automakers often let buyers choose their engine and transmission combinations, so buyers can avoid problems by opting for the older, more tested transmission, says Jake Fisher, Consumer Reports' director of auto testing. Brands that have consistently high reliability scores will also tend to have better transmissions. Toyota has had few problems with the continuously variable transmission it introduced on the 2014 Corolla, for example.

"It often comes down to the manufacturer," Fisher said. "If Lexus starts unrolling eight-speed automatics, they're going to be fine."

Ford was the survey's biggest gainer this year. Fisher said Ford ironed out problems with transmissions and infotainment problems that surfaced several years ago when the automaker introduced a raft of new vehicles. Volkswagen and Hyundai also improved as their models aged.

General Motors Co. had a mixed record. Its Buick brand is among the most reliable, but Cadillac fell seven spots to 25th because of problems with its dashboard infotainment system.

Tesla wasn't officially ranked because it only has one product, the Model S. But Fisher said responses from 1,400 Tesla owners indicated that Tesla has below-average reliability. Owners reported sunroof leaks and problems with the electric motor and the dashboard screen, among other issues.


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2 Person Delivery * Finance Options Available with Payl8r
Cloud - Left Corner End Seat Module - Matte Black
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Cloud - Left Corner End Seat Module - Matte Black

£229 Inc. VAT
Availability: 79pc available 8-9 weeks

Finish your sofa off in style with the Cloud Left Corner End Seat, part of our Cloud Modular Sofa Collection.

Introducing the Cloud Modular Sofa...

Put together your perfect sofa with our Cloud Modular Sofa elements. Consisting of a centre seat, corner seat, left and right corner end seats and an ottoman, you can create a seating set-up to suit your space, whether that’s a comfy and compact 2 seater or a luxurious chaise for the whole family to enjoy.  Each element is available in a range of high performance fabrics with free swatches available to help you make up your mind.

Cloud is ideal for apartments, as the modular elements can be easily moved and transported up stairs. We often like to switch up our surroundings and Cloud can grow with you: simply add an extra centre seat and you’ve instantly saved the cost of an entirely new sofa, or purchase an ottoman to transform a 3 seater into a decadent chaise!

The Cloud Left Corner End Seat

Finish off your Cloud sofa with this Corner End Seat (Left). Whatever combination you’ve decided to go for, this seat expertly finishes your sofa off and features a thick, comfortable back cushion.

Five Reasons Why Customers Choose Our Sofas:

5 Year Guarantee

We provide all of our sofas with a 5-year guarantee. We are able to do this because they are built using solid frames that are doweled, stapled and glued to last a lifetime. Furthermore, our fabrics durable enough to be fit for commercial use - we know this because they can withstand 50,000 cycles on the Martindale Abrasion Test (the industry standard for testing the durability of fabrics against wear and tear). Domestic fabrics only need to pass 20,000 cycles and our fabrics can withstand an impressive 50,000 cycles! To learn more about the Martindale Abrasion Test, check out our blog post

30 Day Comfort Trial

We're really going the extra mile here and despite everyones idea of a comfortable sofa being slightly different, we are confident that you will be thrilled with ours. So if after 30 days you still feel your sofa is not comfortable, you can arrange to return the sofa to us for a full refund!

Multiple Fabric Options

We don't have hundreds of different fabric options and this is because we don't believe that you can have hundreds of perfect fabrics. Our upholstery experts carefully handpick the best performing fabrics for each category in terms of texture, look and durability. We continue to add more fabrics to our collection as and when we find ones we feel are worthy of our Out & Out quality standard.

Made to Order

We want to give you choice and variety without the extortionate price tag. Purchasing sofas in bulk and storing them in a warehouse creates a lot of waste and is also expensive. If you can afford to wait then you'll be rewarded by avoiding the associated costs that some of our competitors incur from middle men and expensive warehousing systems. Each of our sofas are 100% Quality checked by one of our quality control staff at the furniture makers and once this has happened, we will ship it directly to you, with no extra costs and no extra hassle.

Slow Compression Cushions

Our innovative slow-compression cushion technology uses premium grade pocket springs alongside a multi-density foam and fiber wrapping to guarantee that your sofa's seat cushions give you unmatched medium-soft comfort. This makes them retain their original appearance and feel despite daily use and is a superior construction compared to typical solid foam block seat cushions which tend to depress and lose their shape over time.

What Next?

Relax and enjoy the journey with our simple 5 step ordering process:

  1. Create your own sofa: just choose your size, style and fabric
  2. Unsure of your fabric choice? Request your free fabric swatches here
  3. Place your order and put the kettle on
  4. We'll contact you and deliver your new sofa to a room of your choice
  5. If after 30 days you are still unhappy with the comfort of your sofa, you can return it for a refund and we'll give it to charity

One Last Size Check...

Materials & Dimensions

Choose from 10 superb quality fabrics with a range of colours, textures and finishes and order a free swatch.
Lounge Set
W.116 x D.105 x H.81cm

PLEASE NOTE: Following the recent vessel blockage in the Suez Canal, the resulting backlog has led to considerably limited space on shipment vessels, therefore causing delays to the shipments of some products currently on pre-order. To account for these delays, please allow an additional 3-4 weeks on top of the advertised delivery timescale, as well as our made to order sofas and armchairs.

We aim to deliver all orders within 3-10 working days, with the exclusion of Scotland where during busy times it can take us upto 14 days to arrange delivery.

What are our delivery charges?

Orders under £50 Delivery charge £9.99
Orders £50-£100 Delivery charge £14.99
Orders over £100 Delivery charge £34.95
Optional Assembly £79.95 as premium

What is the 2-Person Delivery Service?

Our two person delivery service includes the following:

  • A three-hour pre-arranged delivery window for every order
  • Delivery on weekends is available with limited availability
  • Real time delivery updates can be obtained via our delivery hotline
  • Multiple sized vehicles to cater for houses with restricted access or small access roads
  • Delivery to a room of your choice
  • Delivery up multiple flights of stairs is available but with limited capacity

How long will delivery take?

Fast Delivery:

If a product is marked with a green ‘Fast Delivery’ banner, it is eligible for our Fast Delivery service and will be delivered to you within 2-3 working days.

Please note, this 2-3 day delivery window is applicable to all orders placed before 12pm. If your order is placed after 12pm, it will be processed the following day, then delivered within 2-3 days.

Standard Delivery:

We aim to deliver all Standard Delivery orders within 3-10 working days, with the exclusion of Scotland where it can take us up to 14 days to arrange delivery during busier periods.

If you are ordering a product on pre-order, the time you can expect delivery will be stated below the ‘pre-order now’ button and delivered to you within this specified timescale.

Made to order Sofas & Armchairs:

Aside from our Fast Delivery and Sale sofas, all of our sofas and armchairs are made to order in your chosen style and fabric. We pre-produce the solid wooden frames of our sofas and keep them in stock, so all we need to do is upholster them. Quick and Simple!

Once you've placed your order, you will be updated at each stage of the manufacturing process so you know we're on time! Our current delivery time for our made to order sofas and armchairs is 8 weeks.

Got any other questions about delivery? Take a look at our Delivery FAQ’s page.

Care & Cleaning

All of our products are covered by a One Year Structural Guarantee unless otherwise stated. Therefore, if any of our products develop faults during this time, please contact us and we can issue you with a replacement. Exceptions to this guarantee are:

  1. Domestic products used in commercial environments
  2. General Wear and Tear
  3. Faults due to misuse or inappropriate due care

Cleaning & Care Instructions: Sofas

We've listed below some useful FAQ's but if you have other questions regarding caring for your new sofa just call us on 02037 728752 or email us on [email protected] and one of our in-house designers will ensure you get the answer you need...no matter how technical or simple it may be!

Do I need to do any regular maintenance to my furniture to keep it in good condition?

· We recommend regularly vacuuming or brushing the sofa lightly to remove any dust, crumbs, or pet hair.

What happens if i spill something on my furniture?

· If accidental spillage occurs, immediately wipe away any excess liquid and press paper towels onto the spilled area to minimise the liquid from seeping into the cushions. Use a clean, well wrung cloth to wipe away any stains. Use a gentle cleaning solution which is suitable for upholstery if necessary, testing this on a usually invisible part of the cover before use.

· Removable cushion covers can either be hand washed, or placed on a very light washing cycle to remove any stains.

General Indoor Furniture Assembly & Care Tips:

• Try to assemble your furniture near to where it will be placed to avoid having to move it once assembled.
• Be sure to place your furniture on a flat and even surface to prevent unnecessary stress on the connecting joints.
• If you need to move your furniture elsewhere, make sure you get somebody to help you lift it. Do not drag the furniture, as this can damage the item itself, as well as the floor.
• If you have assembled your furniture yourself, be sure to regularly check the bolts and re-tighten them if necessary.
• Ideally try to place your furniture away from elements such as sunlight, heat, moisture, excessive temperatures and air conditioning units.

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Oxford Energy Podcast – Implications of the DG COMP investigation into Gazprom

The DG COMP investigation into Gazprom’s activities in Central and Eastern Europe has been running since 2011 but has recently come to a conclusion. In this Oxford Energy podcast Jonathan Stern and Katja Yafimava discuss the outcome and the implications both for Gazprom’s business in Europe and for the European gas market as a whole. In particular they assess the pricing methodology that Gazprom has now agreed to adopt, as well as other concessions which the company has made that should help to improve the free flow of gas in Europe but may also improve the competitive position of Russian gas on the continent.

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Gas , Gas Programme , Podcast


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Thousands of Students of Color Join Efforts to Mobilize Voters for the Upcoming Election

Los Angeles, CA – In what will likely be the most important presidential election of their generation, more than 5,000 young women from middle and high schools in Southern California and throughout the U.S. are working together to form civic engagement “teams” to mobilize voters in their communities for the upcoming election.

The Las Sonadoras team at James A. Garfield High School has spent hours each week phone banking to mobilize voters in California and Arizona. Their efforts have reached hundreds of voters in particularly hard to reach areas to help talk through key concerns of voter registration and how to safely vote. Additional teams have mobilized communities creatively through unique strategies that often use digital technology to get their messages across to voters. That includes the Radical Roses at King Drew Magnet High School of Medicine and Science who had one of their members interview Secretary of State Alex Padilla via Facebook Live to help first-time voters understand what’s at stake this upcoming election.  Additionally, the PLP Girls Gen team at Palmdale Learning Plaza, adhering to social distancing guidelines, painted voting messages on stones like “Vote 2020” and “Rock the Vote” and placed them around the neighborhood for their communities to see.

These teams form part of a year-long GirlsBuild Challenge, an initiative of LA Promise Fund, that challenges young women to be leaders in their community by identifying critical issues and creating innovative, community-driven solutions. All projects incorporate civic engagement with an impact extending beyond their school,s and must center around three-pillar issue areas: Civic Engagement; Health & Wellness; and STEM and College Access. Teams interested in applying can click here.

The GirlsBuild Challenge was launched via the GirlsBuild’20 Virtual Summit, hosted in partnership with Michelle Obama’s voter participation nonprofit, When We All Vote, which brought together a diverse group of women leaders from across the country to inspire and propel the young leaders into action. In past years, the Summit has featured speakers including Secretary of State Hillary Clinton, U.S. Vice Presidential candidate Kamala Harris, actor Octavia Spencer, labor leader Dolores Huerta, and others. This year’s summit, held virtually on October 15th, reflected the event’s transition to online programming in light of the global health pandemic and called for increased voter participation just weeks ahead of the 2020 presidential election. Guest speakers included L.A. City Council President Nury Martinez; U.S. Congresswoman Karen Bass, City of Compton Mayor Aja Brown; Los Angeles Dodgers Foundation CEO Nichol Whiteman, global superstar, and activist Becky G, and others. Watch a recap of the virtual summit here.

“Los Angeles, California, and the nation need strong leaders across every sector that reflect America’s beautiful diversity,” said LA City Council President Nury Martínez. “GirlsBuild is cultivating tomorrow’s leaders by instilling in them leadership skills through interactions with powerful women of color from the private, public, and non-profit sector. They also teach these girls to put that leadership into action by moving their networks of families, friends, and neighbors to vote in the most important election of our lifetime,” added Martinez.

For the last five years, GirlsBuild has served more than 157,000 community members, partnered with more than 1,000 local organizations, and hosted thousands of community events around civic engagement. GirlsBuild inspires young women from public middle and high schools across the country to make an impact in their community and ensure that their voices are heard. These young women have tackled important issues such as healthcare, immigration, civic engagement, the environment, and homelessness. This year, they are taking on voter mobilization for the November 2020 election.

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The Relationship Between Homelessness and Addiction

relationship between homelessness and addictionHomelessness continues to be a significant problem in the US. Although the numbers had been trending down, in recent years they have been increasing again. A number of factors could contribute to a person becoming homeless. One of those factors is substance use. In addition, many people who find themselves homeless turn to drugs or alcohol as a result. So, the relationship between homelessness and addiction runs two ways.

Homelessness in the US

Over 500,000 people in the US are homeless on any given night. Approximately 65 percent are in homeless shelters, and the other 35 percent—just under 200,000—are unsheltered on the streets (in places such as sidewalks, parks, cars, or abandoned buildings). Homelessness almost always involves people facing desperate situations and extreme hardship. They must make choices among very limited options, often in the context of extreme duress, untreated mental illness, or substance abuse disorders.

The homeless include families and individuals. Of those individuals who are homeless, who make up about 67% of the homeless population in the US, over 260,000 are men and just over 106,000 are women.

Risk Factors

Severe mental illness, histories of incarceration, low incomes, weak social connections, as well as substance abuse problems each increase an individual’s risk of homelessness, and a higher level of occurrence in each of these factors may increase total homelessness. Of course, the vast majority of people with any of these issues is not homeless (even if all half a million homeless people faced all of these problems, there are millions of non-homeless Americans who face each problem as well).

Disproportionate Impact

The relationship between homelessness and substance abuse is complex, with studies suggesting that substance use can be both a cause and consequence of homelessness. Evidence indicates that substance abuse and overdose disproportionately impact homeless people.

A survey by the United States Conference of Mayors found that 68 percent of cities reported that substance abuse was the largest cause of homelessness for single adults. Substance abuse was also reported as one of the top three causes of family homelessness by 12 percent of cities.

In another study, 25 percent of homeless people surveyed, identified drug use as the primary reason for homelessness.

A study to determine the leading risk factors for homelessness among veterans indicated that substance abuse may have the highest impact on relative risk for homelessness in this population, even more so than bipolar disorder and schizophrenia. And a 2015 study of found that the prevalence of homelessness in veterans with opioid use disorder is 10 times more than the general veteran population.

A study in Boston showed that overdose has surpassed HIV as the leading cause of death among homeless adults and that opioids are responsible for more than 80 percent of these deaths. Homeless adults, 25-44, were nine times more likely to die from an overdose than their counterparts who were stably housed.

Homelessness and Addiction

Alcohol and drug problems can be causes and consequences of homelessness, as well as co-occurring problems that complicate efforts for individuals to find stable housing. Although studies vary, research consistently shows over a third of individuals who are homeless experience alcohol and drug problems and up to two-thirds have a lifetime history of an alcohol or drug disorder.

According to the 2018 homeless point-in-time count, 111,122 homeless people (20 percent) had a severe mental illness and 86,647 homeless people (16 percent) suffered from chronic substance abuse. In addition, mortality rates among homeless persons are more than three times that of persons with some type of housing.

The Need for Treatment

Homeless people with opioid-use disorder experience significant barriers to treatment. Obstacles include social isolation, lack of available transportation, a fragmented delivery system, and complex treatment needs including co-occurring conditions.

Research has shown that integrated treatment that incorporates housing and employment components provides better health outcomes than the usual care for people who are homeless. Studies do confirm that with increased clinical support and connections to homeless services, including housing, homeless patients are statistically as likely as stably housed patients to successfully complete treatment programs.

Addiction Treatment for Men in Southern California

When you are ready to seek help for your addiction, we are ready to help. At PACE, we know that addiction is a serious disease that can impact your life in many ways. PACE Recovery Center is focused on helping men in southern California who struggle with addiction take that first step toward the journey of recovery. The professionals at PACE can help you find structure, purpose, and accountability as you overcome your addictive behaviors. Contact us to learn more about how we can help you.

Contact Us

PACE Recovery Center is an essential business. Click for more information about PACE's COVID-19 protocols and residential treatment options during COVID-19.


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If you’re a small business owner, you most likely didn’t start your company for the joys of doing taxes. That’s what PADGETT BUSINESS SERVICES® is here for. We’re a small business tax service in Dallas that handles these routine tasks so that you can focus on the daily operation of your company. Our professional team can assist you with tax preparation, payroll bookkeeping, government compliance, and general advising. As entrepreneurs ourselves, we understand how hard you work and are here to help.

For quality tax services and business advising in Dallas, look no further than PADGETT BUSINESS SERVICES®. Contact us today at (214) 225-6907.
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Meet Our Team in Dallas

PADGETT BUSINESS SERVICES® of Dallas is owned by Ms. Cindy Hawkins, who is a seasoned professional with over 30 years of relevant experience. She spent over 15 years as a business consultant working with some of the largest corporations across the globe. In addition, Ms. Hawkins has over 17 years working locally in Dallas for Dr Pepper where she held the position of Corporate Controller, overseeing Accounting, Payroll and Finance operations.

She is a former Executive Partner with the Fortune 100 global firm, IBM. She became the PADGETT local office owner in order to fulfill a longstanding desire to help the small business community in her own neighborhood by leveraging her corporate experiences. She is passionate about organic growth for small businesses who represent the core of our US economy. Cindy has been recognized throughout her career for her knowledge, problem-solving and proactive people skills. She is fanatical about customer service.

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At PADGETT BUSINESS SERVICES®, we offer consultations where we’ll sit down with you and get to know your business. From its health to your current strategy to any tax issues you are dealing with, we’ll discuss your situation and provide practical advice and recommendations during your consultation. We are a management tool you can utilize year-round to make better business decisions about your company. Don’t waste your time worrying about payroll and taxes and instead reach out to our Dallas business consultants to learn more about how we can assist you.

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Welcome to PaintboxTV!

Welcome and introduction to PaintboxTV by founder Jeremy Sutton.

Thank you for visiting PaintboxTV, your online resource for learning digital painting and empowering your creativity! The site teaches about about painting on the iPad with a variety of different apps, about painting using Corel Painter on a Mac or PC, and also will include an augmented reality how to in the upcoming workshop. PaintboxTV membership ($29.95/mth or $199/year) combines the benefits of real time interaction and instruction via the monthly PainterLabs and iPadArtJams, as well as a wealth of material, hundreds of video tutorials, built up since it’s foundation in 2009, with new material posted every month. As a member you can download my custom brushes for Painter and Procreate. If there’s a specific topic you want to learn about try typing in the keyword/s of the topic in the search field box located above the side-bar menu. You’ll find that much of the older Painter tutorial material is applicable to the most recent version (for instance, the effects menus, basics of brushes, how to make your own custom brushes and shortcut palettes, and so on). You’ll also find a great wealth of material in the live session recordings: PainterLabs for Painter and iPadArtJams for iPad.

The tutorial content of this site is accessible to PaintboxTV Premium Members. There are also free interactive online sessions — the Zoom-at-Noon Drawing Board and the Portrait Conversations — available to everyone, whether a member or not.

Enjoy and happy painting!

Jeremy Sutton

Originally from London, I studied drawing, sculpture and print-making at the Ruskin School of Fine Art and Drawing, Oxford University (while earning a degree in Physics), and subsequently studied at the Vrije Academie in The Hague, The Netherlands. I\'ve been using digital paint since 1991, including every version of Painter. I love teaching and have taught workshops and given presentations all over the world for the last twenty years. I create commissioned fine art paintings and perform live action painting and digital portraiture. I founded PaintboxTV in February 2009. Thank you for being part of this creative community!

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