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Top 10 Worst Pickup Lines

Let’s face it, pickup lines are pretty dumb. However, some are definitely worse than others. We’ve collected what we believe to be the 10 worst pickup lines of all. Be warned!

10... You remind me of Pokemon. I just want to pick-at-choo.

9... I just moved here. Could you give me directions to your house?

8... I lost my teddy bear. Will you sleep with me?

7... Your legs must be aching, because you’ve been running through my mind all night!

6... What's that in your eye? Is that a sparkle from when our eyes met?

5... You must have washed your pants with Windex, because I can definitely see myself in them.

4... Are those space pants? They must be, your butt is out of this world.

3... Hi, my name is Justin… Justin Credible.

2... I’m no Barney Rubble, but I can make your Bedrock.

And finally, the worst pickup line we’ve ever heard (and we’ve heard them all):

1... Is your name Visa? You’re everywhere I want to be.

Funnies - Top 10

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FREE shipping on purchases of $25 or more

Hawaiian Lifeguard Uniform Boardshort 19" Microfiber Red/Yellow

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Contact us for bulk pricing or custom orders. SKU: LGRY
Lifeguard Uniform Hawaii

Maui Rippers is proud to supply uniforms to first responders at agencies across the world. This multi-use boardshort is the preferred uniform for all Maui lifeguards. This particular yellow stripe design is our signature design created with the guidance of Maui Ocean Safety Chief Archie Kalepa. Made using our classic waterman cut in both microfiber and 4-way stretch options, these extremely durable and comfortable shorts will be your go-to everyday swim short for those sunny day outdoor activities, daily fitness and hanging out at the station. We’ve included triple stitching throughout the entire board short as well as a cargo pocket with extra reinforced stitching on the pocket flap. All our lifeguard and fire uniform fabrics are made with quick drying technology so that you can wear them all day, in and out of the water. For sizes below 28 see our junior sizes.

Option to add a lifeguard patch to the pocket for an extra $1 at checkout. Or, option to add your personalized agency seal embroidery to the pocket when you inquire with us directly.

Save on bulk purchases. Contact us for a quote.

  • 100% soft twill microfiber
  • String tie closure
  • Cargo side pocket with key string inside
  • 19" Outseam
  • Machine wash
100% Satisfaction Guarantee

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  • 4
    Lifeguard Uniform 'Hawaii's Colors' Microfiber

    Posted by on 23rd Sep 2019

    Slightly liighterweight and softer than my old blue trunks with narrower leg opening. The waistband is also lighter and smoother. Altogether they are more comfortable that my old lifeguard trunks. Hope that they can hold up as well. New ones were delivered with white laces instead of red as shown. These were made in China (ugh!) instead of Indonesia. Still the best trunks going.

  • 5
    "Hawaii's Colours' Lifeguard swimsuit

    Posted by Peter B Buckley on 11th Jan 2019

    I purchased my first 'Hawaii's Colours' lifeguard swimsuit last year and it has survived the demands put on it very well. No fade or wear has been detected during its first yer of service. This purchase is a spare for me. Comments from other guards have been, is there a female version, option for the pocket on the left side for us lefties, and is there a shorter leg length version? Overall, I find this a great suit for lifeguarding.

  • 5

    Posted by Greg on 28th Sep 2017

    I was put onto your shorts by a fellow Lifeguard in New Zealand, I ordered a pair of red ones and they have been the best board shorts I own... so while holidaying in USA, I ordered 3 more pairs, Red/Yellow, Red & Blue.... thats me sorted for our Lifeguard season coming up

  • 5

    Posted by Jen on 16th Jul 2017

    My husband is a lifeguard and loves these boardshorts. He will continue to purchase from Maui Rippers! Customer Service is outstanding!! All his bro's are so jealous, b/c he's rocking in his Rippers!!

  • 5
    The Best Swim Wear Ever!

    Posted by DAVID ONCALE on 1st Jul 2017

    I discovered Maui Rippers on vacation in Maui a few years ago. I have since thrown all my other swim shorts out and order Maui Rippers. These are hardy and well made and have stood the test of time in salt water and in our pool. I have 9 different pairs and have had some for several years. BEST swim shorts ever!

  • 5
    Professional Look

    Posted by Stephen on 25th Apr 2016

    I have been wearing these for about 6 months and they show no wear. Still looking new and professional.

  • 5
    Perfect Fit

    Posted by Phil on 8th Apr 2014

    I just received the board shorts and they are great and fit perfectly. The colors were as I expected and matched my old (much older) lifeguard suit to a tee.

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Reply To: [SOLVED] Volume Settings

Max2Play Home 2016 (en) Forums Max2Play on Raspberry PI [SOLVED] Volume Settings Reply To: [SOLVED] Volume Settings

20. Juni 2016 at 11:12 #20743

Hi Rainer,

are there any errors when starting squeezelite? If squeezelite is shown as running in the Max2Play web interface and the audio stream seems to play fine you might try „-o hw:1 -V Digital“ as your HifiBerry Card might be the second audiocard, depending on the status of the InBuild-Audiocard of the RPi. If you deactivate the InBuild-Audiocard on Raspberry Pi Settings in Max2Play web interface, the „-o hw:0 -V Digital“ command will work.

All the Best,


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Gurpreet Dhaliwal, Oracle HRMS/Payroll Consultant

June 21, 2016

So much more on the ball than most other recruitment agencies. They understand the market better and they match skills to roles better. Their also very well connected, which means that they can come up with opportunities other firms just don’t seem to know about. Their Christmas party for contractors is pretty good too!

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heating-and-air-conditioning-contractors listing

  • Trusted Furnace Tune-up Service In Apex Know The Your Problem

  • Category: heating-and-air-conditioning-contractors
  • Description:

    Keeping your HVAC unit in good operating condition is our top priority at Any Day Heating & Cooling. We’re proud to offer the Furnace Tune-up In Apex, residents need to enjoy a more comfortable environment in their homes. Our heating and cooling repair services focus on providing prompt, efficient service, so you don’t have to suffer for too long when something goes wrong. Our qualified technicians can complete any repairs quickly to restore function to your unit. Contact us today.

  • Phone: 919.329.2944
  • Website: Furnace Tune-up Apex
  • Address: 129 Technical Ct, Garner, North Carolina, US, 27529


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The Concrete Truth About Batteries Stored on Concrete

20 Nov 2017

Have you heard the one about batteries discharging when stored on concrete? Apparently, some people have taken to storing 12V batteries—the kind used in electric wheel chairs and emergency lighting...

Do dead batteries really bounce?

10 May 2017

You’ve probably heard of the bounce test for dead batteries- simply drop a battery, and if it bounces, it’s dead. It turns out that this isn’t completely true. Conventional batteries have an outer...

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mdfoodmanagers CourseOutline_New

The purpose of this course is to expose Maryland food handlers to important Food Safety concepts. This course is not intended to train microbiologists or sanitarians, but to instill a basic understanding and to create sensitivity and awareness toward critical food safety concepts (e.g. hand washing, cross-contamination, temperature control, etc).

This is a basic concepts course for Maryland and should not be confused with the Manager's Course that is required for the 'Person In Charge' in many states. If you have questions about what course is required for your jurisdiction and job classification, we recommend you contact your local Environmental Health department. They are also a good resource for information surrounding your unique food handling and preparation situation.

Maryland Policy
MARYLAND requires at least one Food Manager per establishment to earn their Certified Food Protection Manager (CFP) designation. Get your training and your CFP here.

County-specific rules apply Learn More

The StateFoodSafety Logo Proctored Exam offered by eFoodManagers meets this requirement.

Term: 5 years

State Rules Link:

Main Course Topics
  • Employee Illness
  • Handwashing
  • Your Role in Helping Prevent Foodborne Illness
  • The Rose of Management in Helping Prevent Foodborne Illness
  • Foodborne Illness
  • Temperature Control
  • Final Cooking Temperature
  • Contamination and Cross Contamination
  • Your Own Health Comes First

Course Length: 30+ minutes

Important: Refer to Basic Requirements Overview. If you have questions about what training is appropriate for
your job within your Maryland jurisdiction, contact your local Environmental Health department.


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Finding the best specialist doctors to deal with 5

We believe that the chances that specialist doctors are amongst the best ones to deal with are increased enormously, if, (1) they have an ordinary email address, and, (2) they have a track record of providing reasonable responses to reasonable emails sent to them.

(We’re not talking here about providing medical advice by email – we can understand doctors saying that we can’t expect this.)

If doctors are like this, to us it indicates:-

(1) That they are into communication. (Some doctors aren’t into communication even if you are sitting right in front of them.) After all, ordinary email addresses are by far the easiest means of us sending them anything – far easier than email forms or faxes.

(2) That they are prepared to put things in writing. Some doctors are not prepared to do this in any circumstances, obviously because they’re not prepared to stand behind the things they say. And if you can’t get anything from them in writing it makes things much more difficult to get second opinions and so on.

(What we do and advocate is that after you’ve had a consultation with a doctor, you send them an email along the lines of – “In our our consultation today I understood you to say such and such – have I got this right?” Then all they have to do hopefully is say yes, which is the very least you should expect.

So how do we locate doctors like this?

With the internet it’s easy – you just send them an email asking them something. To a certain extent it doesn’t matter what you ask, but our practice is to outline the problem or problems for which we need help, and asking them, “Is helping those with this problem or these problems within your areas of expertise?” And, of course, if doctors won’t give you at least a one word answer to this question – “yes” or “no” – then they are certainly not amongst the best doctors you can consult, in fact, we think you’re mad wasting any time and money on them.

So what we do is send out 15 to 20 emails like the one we’ve described above, to the doctors who are likely to be able to help us, and we find that if we do this, we get 5 to 8 replies, and that from them it’s usually crystal clear who would be the best 1 or 2 to at least see initially.

Sending out 15 to 20 emails shouldn’t take you much more than 30 minutes, if you have the email addresses, and if you are not prepared to do this, you can’t blame anybody but yourself if you have unsatisfactory experiences with doctors chosen at random.

As to the problem of, “if you have the email addresses,” one of the things we’re doing these days is putting together lists of specialists with ordinary email addresses to address this problem. One of them is a list of over 40 Sydney Ear, Nose and Throat specialists which you can access by using this link.

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Type 1 vs. Type 2 Diabetes

Type 1 and type 2 diabetes affect the regulation of glucose (blood sugar) in the body. Having diabetes affects the way the body processes the food you consume.

When you eat foods that contain carbohydrates, the body converts these substances into glucose. The majority of glucose is sent into the bloodstream and raises blood glucose levels, signalling the pancreas to produce insulin. Insulin cells take glucose into the bloodstream so the body can use it as energy. The liver and muscles store excess glucose to use as fuel between meals.

Type 1: Many researchers believe that type 1 diabetes is an autoimmune condition. This means that the body’s immune system mistakenly attacks the beta cells in the pancreas. When these cells are attacked, the pancreas cannot produce insulin. This condition is typically diagnosed in early childhood or adolescence. Type 1 diabetes cannot be prevented or reversed.

Type 2: Type 2 diabetes occurs when the body does not respond to insulin and should. With type 2, the body cannot effectively use insulin to bring glucose into the cells. This causes the body to get energy from the tissues, muscles, and organs. Type 2 occurs slowly and is often a result of lifestyle choices.

General Diabetes Symptoms

Type 1 and type 2 have the same warning signs. Early indications of diabetes may be easy to ignore at first, but you may want to talk to your doctor if you feel out of sorts.

  • • Increased hunger and fatigue: When the cells resist the insulin your body creates, the glucose cannot enter the cells, so you have no energy. This leads to hunger and feeling tired.
  •
  • • Urinating more often & increased thirst: Normally, the kidneys absorb excess glucose, but if your blood sugar is high, the kidneys may not be able to keep up. This leads the body to make more urine. Because you are urinating more often, you will also be thirstier.
  •
  • • Blurred vision: Changing blood glucose levels can swell the lenses in your eyes, blurring your vision.
  •
  • • Dry mouth and itchy skin: When your body is loses lots of fluid from increased urination, your skin and mouth may feel dehydrated.

Type 2 Symptoms

If you have been living with type 2 diabetes for a long time, unregulated blood sugar levels can cause more severe symptoms like:

  • • Yeast infections: Men and women may experience yeast infections because yeast bacteria feed on the excess glucose in the body. Yeast infections can occur under the breasts, in or around the genitals, and between the fingers or toes.
  •
  • • Slow-healing cuts: Increased blood sugar affects blood flow and makes it hard for wounds to heal.
  •
  • • Pain or numbness: Type 2 can lead to nerve damage in the feet or legs.

Type 1 Symptoms

Long-term type 1 symptoms differ from type 2, and you may notice:

  • • Unexpected weight loss: When the body cannot get energy from food, it burns muscle and fat for energy. This causes weight loss even if you do not change your diet.
  •
  • • Nausea and vomiting: If your body burns fat in the body due to diabetes, ketones are produced. These substances can build up in the blood and lead to diabetic ketoacidosis, making you feel nauseous.

Diabetes Risk Factors

Type 1 and type 2 diabetes vary significantly in their risk factors. The most common risk factors for type 1 include:

  • • Having a family history of diabetes
  • • Possessing certain genetic features

Risk factors for type 2 diabetes involve:

  • • Diet
  • • Being physically inactive
  • • High cholesterol
  • • High blood pressure
  • • Smoking
  • • Being over 40 years old
  • • Being overweight or obese

Treatment Options for Type 1 Diabetes

The overall goal of type 1 diabetes treatment is to keep blood sugar levels as normal as possible. Insulin therapy is required to keep blood sugar under control. Type 1 patients need insulin throughout their entire life and may administer it through injections or an insulin pump.

Injections: If you choose injections, you will need several insulin shots a day to mimic the body’s normal use of insulin. Insulin injections involve a fine needle or syringe to inject insulin under the skin. Your doctor will prescribe you a specific insulin regime, but three or more insulin injections a day have been shown to improve blood sugar levels.

Insulin pump: This small device is connected to the body by a thin catheter under the skin of the abdomen. These pumps are programmed to dispense rapid-acting insulin automatically. You program the device with the number of carbohydrates you consume, and the pump dispenses insulin to correct blood sugar.

Type 2 Treatment Options

Treating type 2 diabetes may be more complicated for some patients. If you are overweight and have accompanying conditions like high blood pressure, you may require medications for these health issues along with diabetes drugs. Managing type 2 diabetes involves:

  • • Healthy eating
  • • Regular exercise
  • • Weight loss
  • • Diabetes medication or insulin therapy
  • • Blood sugar monitoring

Doctors will likely recommend healthy lifestyle choices before medications are prescribed. If these lifestyle choices do not improve your type 2 condition, you will likely have to take medications. These medications improve your body’s sensitivity to insulin, so the body uses insulin more effectively. Other types of diabetes drugs stimulate the pancreas to produce more insulin while others inhibit glucose returning to the bloodstream, excreting excess glucose in the urine.


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Computerized Trading Strategies – Why You Should Consider Them When Trading During the bitcoins Age

Computerized Trading Strategies – Why You Should Consider Them When Trading During the bitcoins Age

There is a fresh phase coming in the life in the bitcoin market called the Bitcoin Era. This is actually era the moment all the existing cryptographic currencies will be replace by a new and revolutionary form of asset, which is based on statistical protocols instead of conventional paper based transaction strategies. The change however , will never be a abrupt one. Instead, we can expect an interval of treatment where a specific amount of work (both by the bitcoin industry and in addition by users of the fresh asset) has to be done before the transition may be properly finished. In this article I am going to explain how a change may happen and what impact it may have for the currency market.

First of all, we have to talk about what will happen during the bitcoin era. Quite simply, the bitcoin era is definitely an innovative trading platform that facilitates the automatic trading of important cryptographic currencies and also other leading cryptosystems. It works by connecting numerous online brokers to immediately facilitate via the internet trades for any kind of asset. Basically, the program first computes optimal parts of exit and entry for each trade in a certain cryptocurrency and then uses this data to the already existing marketplace to determine the appropriate price for the asset being bought and sold. Naturally , the system as well takes into account current current market info, along with a hypothetical maximum and bare minimum points of depart and gain access to. At the end of the day, you can always find yourself with a final selling price that is afflicted with all of these factors.

The primary reason why the bitcoin period is so exciting is because of the ability to remove many of the natural risks connected with traditional exchange. For instance, cope with have to be concerned with minimum put in requirements, capital gains and loss constraints. All of these elements were problems with respect to traders inside the traditional financial markets. Since this type of auto-trading platform needs no bare minimum deposit, you can utilize your cost savings or maybe a new investment to place bets on the most profitable foreign currencies.

Probably the most popular options that come with the bitcoin era can be its live trading characteristic. One of the biggest advantages of using live trading is that it enables you to get real time quotes relating to the hottest and a lot profitable belongings. For instance, if you see that you can find some opportunity to produce money at the moment, you can right away open up a bet on that property. This characteristic provides dealers with real time information about the asset that they can be trading. Therefore , need to deal with have to worry about missing out on a chance simply because you failed to look at the clock on your hard drive.

Great aspect of the use of an auto-trading robot throughout the bitcoin time is that it really is absolutely legal. Though you can still use manual trading, you will still need to place a stop loss order at the end of every day. Since lots of people will lose money when they invest currencies that go lower, it is important to make certain that you take those necessary safety measures to prevent yourself from incurring losses. These safeguards allow you to ensure that you remain placing wagers on materials that are viewed as hot, despite the fact that there is a likelihood of them going down every day.

Finally, it is necessary to realize that there will always be situations where you can shed on the investment strategies that you place. However , since you will be provided with stop losses, it the actual likelihood of these types of losses for being as low as possible. As long as you follow the proper trading indicators, you will be able to profit from each and every trade. Additionally , you will be able to put certain parameters for yourself so that you can keep an eye on the market analysis that is supplied to you. All in all of the, you should find that the use of an auto-trading robotic during the era is one of the best decisions which you can ever help to make.

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When was the first successful repair of tracheoesophageal fistula (TEF)?

Updated: Nov 07, 2018
  • Author: Sat Sharma, MD, FRCPC; Chief Editor: Vinay Kumar Kapoor, MBBS, MS, FRCS, FAMS  more...
  • Print

The credit for the very first description of TEFs goes to Thomas Gibson, who, in 1697, reported a case of an infant with esophageal atresia and a TEF. In 1839, Thomas Hill recounted the symptoms of another infant with a TEF and an associated imperforate anus. In 1888, Charles Steels, a London surgeon, became the first surgeon to operate on esophageal atresia. In the 19th century, innovative work by many surgeons ultimately led to Cameron Haight's successful primary repair in 1941. Pioneering of surgical techniques in the last several decades has produced survival rates of almost 100% for infants with this once hopeless congenital anomaly.

For patient education resources, see Bronchoscopy.

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What we're about

Welcome to the Dublin Portuguese Language Meetup!

Would you like to improve your Portuguese? This group is for those of you who want to meet people interested in the Portuguese language and in Brazilian or Portuguese culture. Anyone who is interested in Portuguese, from beginner to native speaker is welcome! We aim to schedule events to accommodate the range of proficiencies and to provide cultural/linguistic events. If you would like to be an event organizer, please contact us, or if you have an idea for an upcoming event just send your thoughts to our email: patriciaazevedo10@gmail.com

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Angels Investment Show 15, Watch, Pitch or Network

Iranian & non-Iranian Business Networking London UK
Iranian & non-Iranian Business Networking London UK
Public group

· London

How to find us

Location image of event venue

Due to popularity & success of the Angels Investment Show, we are now organising the third version of the Angels Investment Event. Join us for watching, pitching or for networking with entrepreneurs & investors.

We have 4 savvy Angels investors ready to hear your pitch and invest in your business; if our Angel investors like your project! Successful startups will receive an investment as a loan or % of equity. The event would be filmed & televised.

Limited tickets are allocated to this group. Please buy tickets ASAP at the bottom of this page OR clicking on this link:

You should look at your £100 pitching cost as an opportunity:
to get potential investment offers from the panelist
to make a close relationship with investors

Our 4 Angel investors:
Investing from £20,000 up to £3,000,000
Investing from £50,000 to £3,000,000.
Investing from £50,000
Watch the video of the previous Angels Investment Show event

2 Start-ups have the opportunity to pitch their project for 10 minutes in total: 10 minutes pitching and a further 10 minutes for question & answer. If investors are convinced, then they may offer you the investment or an investment package subject to due diligence. You can sign initial agreement or contract in person at the event or progress the talks later. After the main pitching Event (10 pitching) you can use the "30 seconds elevator pitch" to pitch your business to Angel investors & audience investors, for consideration of investment; We expect there to be people in the audience who may also be able to help your business.

What businesses need to prepare for pitching?

Proof of Concept: proof they have something your targeted customers want. The best way to prove that is existing sales.
A valuation that stacks up.
For example: someone who says I need £50k and offering 10% values their company at £500k but if no sales are made and it is still in its infancy the company is not worth anywhere near £500k. That puts investors off straight away.

For normal example: "you have made £50k in sales and a profit of £20k, given the industry, basing it on a multiple of 6 x earnings so, the business is valued at £300k (6 x 50k) and you need £50k and you therefore offering a 17% stake in your business."

However, the decision on offering equity % and accepting any offer by any investors is a business decision to be considered after taking the necessary guidance from your professional advisers. If in doubt please seek legal advise before proceeding.

Event program:
5.30pm Event Opens – guest arrival, networking, exhibition and drinks
6.00 Reza (organizer) welcoming introduction. Presenter to start Welcome and Intro
7:00 Pitch Event – 2 pitches are given (10 minutes each) Investors introduction to the stage, Q&A, investment declaration
8.00 Continues of exhibition & networking

2 businesses pitching each for 10 minutes, then Angel investors question them max 10 minutes. In 10 minutes you must tell:

Name --->Project concept ---> proof of success ---->% proposal to investors
We believe exhibiting or selling SHOULD NOT COST £1000s. Book an exhibition spot (banner spot) for only £50.

FREE entry, Join 500+ entrepreneurs attending,
Sell or promote to 500+ entrepreneur attendees
Sell or promote to 1,000 businesses with office in Moorgate WeWork office spaces, Receive great offers, FREE refreshment for all, Receive investment, FREE business advice, 40+ exhibitors, ONE YEAR FREE accounting!

Banner space is limited, book asap here on the floorplan or button of this page.

Workshops & event's format:
5;30pm to 6;30pm Networking + one minute pitch to all
6;30pm to 7;00pm ---> 7;00pm to 7;30 pm -->7;30pm to 8;00pm
8;00pm to 8;30pm----> 8;30pm to 9;00pm--> 9;00pm CLOSING

We look forward to seeing you!
Contact:[masked], [masked]


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Cutting concrete can be a labour intensive process, depending on the kind of tools that you use. If you are used to cutting cement using a chisel then working with any form of concrete will be a rude awakening, and cutting large amounts of concrete will definitely surprise you.

Cutting concrete by hand is very, very hard work. Most people prefer to use a power splitter or a power saw instead to save time and energy.

grinding machine with sparks

Using the Right Tool for the Job

There are a few different tools that you can use to cut concrete blocks, and the tool you choose will depend on the material you are working with.

If you are working with pressed concrete flags you will probably want to use a power saw for fast, neat cuts.

If you are using wet cast flags then you should definitely stay away from hand tools because the characteristics of the material mean that you will end up struggling to cut through it and may find that the finish is ugly. Again, power saws are a good choice but you might need to hand trim the finished cut for neatness.

Cutting massive concrete blocks is best done with a splitter. Big blocks will need a hydraulic splitter. Concrete tends to kick up a lot of dust when it is cut, so you should make an effort to suppress the dust, and to wear protective clothing as well.

Working with Power Saws

There are a few different kinds of power saw. The hand-held cut-off saw is good for working with concrete slabs. Thicker, heavier concrete is best cut using a diamond tipped blade. These blades are usually used as part of a wet cutting process, where the blade is cooled with a constant stream of water and the slurry of dust and water is then collected by a vacuum cleaner.

There are, however, some diamond blades that can be used as part of a dry cutting process. However, if you do use a dry cut blade make sure that you wear a respirator and goggles so that you don’t get dust in your eyes, or inhale dust which could cause respiratory problems.

Blocks and Splitters

Blocks and splitters are the best thing to use to cut massive concrete blocks. They are relatively easy to use, and generate less dust than a power saw. In addition, they have very few moving parts so they are easy to maintain and less likely to cause injury to an inexperienced operator.

Splitters come in a range of sizes, and can be used to cut concrete blocks from as small as 25mm all the way up to massive blocks that are far too large to use a power saw on.

There are three different kinds of splitters:

  • Manually operated splitters,which are designed to be used to cut small paving slabs;
  • More advanced manually operated splitters with individual toothed blades that are good for cutting slabs with irregular surfaces; and
  • Hydraulic splitters,which are best for cutting massive concrete blocks

All of the varieties of splitters work by squeezing the block between two blades, putting pressure on the slabs until the slab snaps – hopefully cleanly, along the line of the blades.

Sometimes splitters can go wrong causing the block to shatter, but this usually only happens if you are working with low quality blocks or blocks that have a lot of air bubbles in them.

There are chain-saw style concrete cutting blades, and these can be used to cut into concrete to make square corners with no overcut. These are a good choice if you need to make a cut that is more precise than the kind that you can achieve with a block splitter.

Depending on the work you are doing you will need a few different kinds of concrete cutting tools. In addition to the tools you will need to invest in high quality safety equipment.

You should try to cover as much of your skin as possible, because repeated exposure to dust can cause dermatitis. In addition, you should wear eye protection and a good mask. Do not skimp on protective gear, because it takes just one mistake to cause serious injury.


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Ben Bond

Keller Williams Realty

Office: (816) 268-4424
Cell: (816) 810-5990
Years of Experience: 7
Areas Served:
I have been licensed in Missouri and Kansas since 2013. I cover the following cities and more: Liberty, Kansas City, Kearney, Holt, Lawson, Gladstone, Parkville, Smithville, North Kansas City, Leawood, Overland Park, Lenexa, Olathe, Platte City, Blue Springs, Lee's Summit, Riverside, Independence, Far West, Mirabile, Gallatin and Adam-Ondi-Ahman.
We hold first time home buyer seminars - First time buyers, Move-up buyers, Luxury buyers, ALL sellers, Land, multi-family properties, investors, an apartments.
Professional Designations:
Certified Local Market Expert (CLME)
Professional Associations:
National Association of REALTORS (NAR), Kansas City Regional Association of REALTORS (KCRAR)
Community Service:
About Me:
I was born and raised in the area. I have been married since 2000 and my wife and I have three children. We love to play games together and travel. I enjoy playing volleyball and pickleball. I like to watching the Kansas City Chiefs and Kansas City Royals play. I like fishing, riding ATV's, RC cars, Racing in 24 Hours of LeMons and just cars in general.
Agent Comments:
I will help you from A-Z in the selling and buying process. I would like to sit down with you at my office or do a zoom conference and talk about your needs, wants and any concerns you may have about the real estate process and we will talk through it and create a plan that works for both of us. Call me or my assistant and we will be happy to help you with your move in Missouri or Kansas. Win-Win or no deal.
Contact Ben


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The Cory's Photo Albums

Wedding Photos
Trip To London
Trip To Bath

Colin & Michelle In Our Prime

Photography is more than a hobby for me. It's a passion, the way I capture and celebrate life. In this album, I've assembled some of my favorite photographs.

8 July 2006
Today, the photos for the wedding have been uploaded and now officially published.  We've expidited the process so there is no order at the moment, due to the recent requests to see the photos.  Over time, the site design will change to meet better streamlined browsing.
4 March 2007
So far, we have no new pictures but we are glad to be back home together.  We'll try to take lots more pictures this year and keep you updated.  God Bless.
15 July 2007
They've arrived and posted, yes, the honeymoon photos are officially on the web.  Sorry for the major delay, it's the price to pay for being so busy.  We really hope you all enjoy them.

Thanks for dropping by and taking a look at my photos. Please get in touch with any comments or reactions!

The Cory's Photo Albums


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Virus-induced gene silencing in nepeta

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Virus-induced gene silencing (VIGS) is a versatile tool for genetic studies that has been applied to a variety of plant species. With the advent of more accessible genomic and transcriptomic technology applied to an increasing range of plants, tools such as VIGS are being adapted to more non-model plants to explore genes relevant to agriculture and chemical discovery. In this protocol, we adapted VIGS technology to target genes in Nepeta cataria (catnip) and Nepeta mussinii (catmint). These plants carry biochemical and economical value for their production of nepetalactone, an iridoid which provokes a strong reaction in both house cats and aphids. We describe a method to target magnesium chelatase subunit H (CHlH), a gene often targeted as a visual marker for VIGS. Furthermore, we describe a method to simultaneously target two genes in a single plant, which aids in the study of genes found in key biochemical steps in the production of nepetalactone. This approach, which was successfully applied in two members of the Lamiaceae family (mint), could be adapted to other members of the mint family with economical and chemical value.

Palmer, L., & O’Connor, S. E. (2020). Virus-induced gene silencing in nepeta. In Methods in Molecular Biology (Vol. 2172, pp. 111–121). Humana Press Inc.

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Anxiety and Depression: The Difference

By Jessica C. | Updated: Jun 18, 2020

Anxiety and depression are among the most common mental health disorders, affecting millions of Americans every day. It is important to understand exactly what these illnesses are and how to effectively treat them. Anxiety is defined as a psychological state that is characterized by the exaggerated, persistent feelings of worry, tension, and nervousness. Depression is described as a serious mental illness that is characterized by constant, overwhelming feelings of sadness, and hopelessness. Although anxiety and depression share many of the same symptoms, they are two entirely different diseases.

Anxiety and Depression: The Difference

There are several types of anxiety disorders, including social phobia, generalized anxiety disorder, post-traumatic stress disorder, obsessive-compulsive disorder, and panic disorder. Causes of anxiety disorders can range from hormone fluctuations and stress to genetics, medication side effects, and previous emotional trauma.

Symptoms of anxiety can be divided into physical and psychological. Physical symptoms can include sweating, dizziness, increased heart rate, shortness of breath, muscle tension, insomnia, and headaches. Psychological symptoms typically consist of feelings of dread, intense fear, restlessness, and irritability.

Researchers think that depression is most likely caused by a combination of genetic, biological, environmental, and psychological factors. Brain imaging technologies have shown that the brains of people suffering from depression look different than those without depression.  The parts of the brain involved in mood, thinking, sleep, appetite, and behavior appear different; however, they are still unsure of why this is.

Symptoms of depression can also be categorized into physical and emotional. Physical symptoms of depression are fatigue, insomnia, increased or decreased appetite, body aches, cramps, and headaches. Emotional symptoms include thoughts of suicide, irritability, loss of interest in activities, and feelings of helplessness, guilt, and worry.

The Difference

While anxiety and depression are both mental illnesses that share similar symptoms, they are completely different conditions. It is not fair to compare the two since they are so different, but generally speaking, depression is typically more severe and is a common cause of suicide in the United States. Depression is an actual chemical imbalance in the brain, while anxiety is generally a different way of thinking. That is not to say that anxiety is not a severe mental condition - it can significantly interfere with a person's ability to face everyday social situations and maintain relationships.

Treatment Options

While making lifestyle changes like exercising and eating healthy can help ease some anxiety and depression symptoms, getting professional help is strongly recommended. Anxiety and depression are psychological conditions and should be treated as such. Talking to a therapist, being properly diagnosed by a doctor, and trying prescription medication can help treat anxiety and depression.

Anxiety and depression are serious mental conditions that can severely affect your daily life. It is crucial to seek proper treatment if you feel you are suffering from either of these illnesses.  Anxiety is characterized as the persistent, intense feelings of worry and tension. On the other hand, depression is defined as the constant and overwhelming feelings of sadness, emptiness, and apathy. Therapy and prescription medication are viable treatment options for anxiety and depression.

Related Articles

Anxiety in 46-Year-Old Women Anxiety in 46-Year-Old Women
Anxiety Attacks during Menopause Anxiety Attacks during Menopause
Understanding Social Anxiety Disorder Understanding Social Anxiety Disorder
More on Anxiety


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Autos21 Rent a Car

- Founded in 1985.
- Fleet of new vehicles with the best performance.
- We are at your service 24 hours a day.
- Quality of technical service (24 hours) guaranteed.
- We have cars, minivan and SUV.
- Deliveries and collections anywhere on the island. Service anywhere on the island.
- We are 5 minutes from the airport and the Port of Mahón. Guaranteed punctuality.
- Do not worry if your flight arrives late, we are in permanent contact with the airport website that informs us exactly of the arrival time of your flight.
- We will be waiting for you in the arrivals terminal with a sign of our company, 'Autos 21', and we will deliver the vehicle to you at the same airport or port, without the need to travel by transfer to look for your vehicle. So that the delivery is as fast as possible and you can start your holidays in Menorca as soon as possible, please have your driving license and D.N.I. for your checking. The rental contracts are prepared in advance, so as not to delay their delivery.
- We have used vehicles.

Empresa avalada por la Dirección General de Consumo


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From underwater dog photography to morbid anatomy, there’s a calendar theme out there to suit every taste. If you’re feeling overwhelmed with calendar options as the new year approaches, consider a simpler choice for 2017. The DodeCal fits all 365 days of the year into a wooden package.

The finished product may look simplistic, but the work required to make it a reality was anything but. Ric Bell, designer and head of the London studio Post, knew he wanted to engrave a calendar onto a 12-sided shape, but dodecahedrons usually consist of 12 equal pentagons. To avoid the awkwardness of printing a square calendar on a five-sided plane, he decided to go with a rhombic-dodecahedron instead.

Carving a 3D shape with 12 four-sided diamond faces was exceedingly tricky. He enlisted the help of a toy maker and a furniture maker with a degree in math to get the final design just right: The result is one visually striking paperweight.

After retailing for about $96, the first 100 DodeCals quickly sold out. Early holiday shoppers can sign up online to be included on the preorder list for the calendar’s second edition.


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FREE SHIPPING! On orders over $50 - USA only

MultiV6 Multivitamin Night Cream

The MultiV6 brand utilizes a combination of six vitamins plus resveratrol to deliver nutrients and intense hydration to the skin. MultiV6 Night Cream works to repair deep lines and wrinkles. Six vitamins work to deliver healthy skin nourishment.

  • Vitamin A: Helps reduce redness and fades brown spots
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(1.7 oz.) How To Use It: Apply generously to face and neck, targeting deep lines and wrinkles. For daytime, use MultiV6 Multivitamin Day Cream.

People Are Saying: "To nourish your skin with all the vitamins it needs to look healthy, discover the new skincare line from the creators of the popular Merlot collection, MultiV6." — BeautyNewsNYC

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Stockport Road, Manchester

Guide price

  • Bedrooms: 2
** RECENTLY REDUCED ***** Basement and Ground floor only ***** ****FANTASTIC OPPORTUNITY**** Suitable for various trades, this property is situated within the town centre of Denton fronting Stockport Road, town centre public house with trading area approximately 93 sq m (1001 sq ft) . Mid terrace two storey traditional public house, arranged as trading area to the ground floor with main bar, lounge and snug, kitchen and customer WCs. Denton is approximately 6 miles to the east of Manchester city centre. To arrange a viewing please call our Cheetham Hill office on 0161 740 0997. The application fee is £295

72 sq m (775 sq ft)

Bar Area

8.29 x 10.11 (27'2 x 33'2 )

Lounge One

4.44 x 3.87 (14'7 x 12'8 )

Lounge Two

4.18 x 3.93 (13'9 x 12'11 )

4.82 x 2.32 (15'10 x 7'7 )

WC 1

3.32 x 1.85 (10'11 x 6'1 )

WC 2

2.78 X 2.72 (9'1 X 8'11 )

Rear Yard/Beer Garden and covered smoking area and outbuilding.

You may download, store and use the material for your own personal use and research. You may not republish, retransmit, redistribute or otherwise make the material available to any party or make the same available on any website, online service or bulletin board of your own or of any other party or make the same available in hard copy or in any other media without the website owner's express prior written consent. The website owner's copyright must remain on all reproductions of material taken from this website.

Arrange viewing 01618 341444

Pearson Ferrier Central Manchester

Suite A, Unit 2/5 City Point, 156 Chapel Street, Salford, Manchester

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Lola Stonecracker – Doomsday Breakdown

(This Is Core Records – 2015)

An Italian band who are uptempo ‘n’ interesting while modern sounding at times but also having retro 80’s or 90s elements, therefore appealing to a wide spectrum of audiences the world over.

Highlights include the gutsy ‘Generation Surface’; the powerful ‘Perils Of A Man From The Past’; the title-track ‘Doomsday Breakdown’; ‘MC Kenny’s Place’ with it’s deep ballsy riffing and 80’s big backing vocal elements;  the Faith No More meets Bon Jovi’ness of ‘Space Cowboys’ or the Matchbox Twenty’esque ballad ‘All This Time’.

Then there’s a stellar version of The Frankie Goes To Hollywood classic ‘Relax’ and the epic ballad ‘Shine’ that is no doubt incredible live and easily the best song on the album! If you are anything like me, you’ll keep thinking it’s Jon Bon Jovi himself singing for this band too – hopefully in time they’ll have a fanbase just as big.

An outstanding band that you need to hear!

By Glenn Milligan

Loala Stonecracker, Doomsday Breakdown, Italy, Italian, Bon Jovi, Frankie Goes To Hollywood, Relax, Faith No More, Matchbox 20, This Is Core Records


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Stone Mammoth – S/T

(Inverse Records – 2021)

Stone Mammoth- Debut Album use.jpg

Ever put a CD on and think did Black Sabbath never retired - just reunite and continue, under a different name? Probably more than once in your life time.

Finnish foursome, Stone Mammoth could be the ones to set the bar highest on record if this rough and rustic debut, having actually been recorded way back in 2014, gets about to sufficient effect. Take nine tracks of driving seventies soaked stoner metal and stick a singer that resembles Ozzy in his mature years but with still an unstrained voice, slide them into the same kiln together... Oof... 'Mammoth Rising', 'Lock n Load', 'Greatest Lover', 'Runaway', 'Blind Eye' and 'Paralyzed Time' will damage your foot out if you slide them back out with anything less than due care.

You can feel Timo Vudrela's scarily Iommi-esque guitar lines go through the ground, boards and all along with the gutsy verses ever time these lads lay into another track, with the swish blues solos being the only other lightweight detail. Terrifyingly olde worlde and wonderful with it, Stone Mammoth do scarcely over zero in originality terms but are significantly further upwards as substance goes.

And to think this release took seven years to see the light of day....

By Dave Attrill

RECOMMENDED IF YOU LIKE: Monster Magnet, Trouble & Orange Goblin.


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Angel Witch - Angel Witch
10 songs (38'19)
Release year: 1980
Reviewed by Olivier

Iron Maiden legend Steve Harris himself once admitted in an interview Angel Witch was his favourite band, back in the days. That it had been a band with great potential, and that one of the main reasons it never met his own band's success was amateurish management (frontman Kevin Heybourne's father occupied the manager position at the time). Whether this is a truth or not matters little. What's important is, the band has only released four studio albums in thirty years, and that is one of the greatest shames in metal history. The three more recent being, moreover, nowhere near matching the masterpiece the self-titled first album is.

It kicks off with what can arguably be considered "The" NWOBHM anthem. Angel Witch is the song everybody has heard, often without even knowing the band. For it probably is the most accessible NWOBHM song ever made, or at the very least one of the most accessible. It has everything: a killer main riff, an outrageously simple and joy-bringing chorus, it's perfect to be introduced to the genre and it's a perfect live show song. However, it would take you to be a fool to reduce Angel Witch's self-titled album to Angel Witch's self-titled track. This, is just the hors d'oeuvre. Atlantis, a song about the impending rise of the mythical underwater city, ravishes you with rather loud and unchained guitar riffs and a threatening atmosphere. Confused is for that matter another great song in the same vein, only sightly slower-paced. But the gloomiest track really would be Sorceress, here. It starts with the same kind of eerie touch you find in the first minute of Iron Maiden's Remember Tomorrow, suddenly mixed with a Black Sabbath reminiscent loud doom flow. And then, from out of nowhere... madness. Heybourne yells, guys step up the pace a notch, guitars storm all over the place and let an organ finish you off, leaving a taste of insanity in your mouth. Jaw-dropping, and brilliant.

But less disturbing pieces are also featuring in this classic. The third track White Witch - another classic of the band -, deals with a revenge-seeking witch. The guitar here often sounds thinner, and somehow manages to make you picture this white witch and the occurring events. Sweet Danger, another track meant to be a single (but which only could reach top 75 of UK charts for a single week, before disappearing) is quicker-paced, lighthearted and succeeds in throwing your fists up the air. It leads to Free Man, a deliciously bittersweet ballad. While there is nothing groundbreaking in this one - even for its time -, it features a very powerful chorus that makes your hands clench into fists. It is as I said: deliciously bittersweet. And then finally the last song appears (Angel of Death), just before the outro Devil's Tower. Angel of Death is easily the most threatening, dark and heavy song on this album. It constantly alternates between a menacing riff which would be a perfect fit for an old school horror film, and a more reassuring riff which gives you a false sense of safety. Yet another touch of utter excellence in this album.

Angel Witch is the album everybody knows, or should know. Another hint on why this album is a classic is the number of times it was re-issued. In 1990, Roadrunner Records re-issues it and includes 3 bonus tracks (Loser, Suffer and Dr. Phibes, three nice additions, especially Dr. Phibes). The 2000 re-issue (Castle Records) included 16 tracks (the original 10, the 3 bonus tracks from the 1990 re-issue, and 3 more: Flight Nineteen, Baphomet and Hades Paradise. Again, those 3 good songs). The "25th anniversary expanded edition" (2005, Castle Records again at the time, but Sanctuary nowadays) adds to the deal radio sessions of Sweet Danger, Angel of Death, Extermination Day and of course, Angel Witch. And, last but not least, the 30th anniversary edition (2010, Sanctuary) is a 2-CD release including a total of 30 songs (the original ten, plus demos, live versions and B-sides). How 'bout that...

So whoever you are, a nostalgic or a newcomer... it's up to you to be in for a treat.

You're an Angel Witch, you're an Angel Witch! (Youtube)

Killing Songs :
Except maybe Gorgon, they all are.
Olivier quoted CLASSIC
Other albums by Angel Witch that we have reviewed:
Angel Witch - Angel of Light reviewed by Andy and quoted 86 / 100
Angel Witch - As Above, So Below reviewed by Stefan and quoted 81 / 100
3 readers voted
Your quote was: 93.
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There are 20 replies to this review. Last one on Wed Sep 19, 2012 10:32 pm
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text:
Metal Tech News - The Elements of Innovation Discovered

Mining technology critical green energy electric vehicles rare earth metals minerals news

By Shane Lasley
Metal Tech News

A brief evolutionary history of silver

From coins and jewelry to EVs and solar panels, silver adapts Metal Tech News – April 7, 2021

Last updated 4/13/2021 at 4:22pm

Silver critical minerals EVs solar panels history photovoltaic 5G Kodak 2030

Adobe Stock

Until the advent of affordable cameras at the dawn of the 20th century, silver was primarily considered a monetary metal and coins were a large driver of demand for nearly 4,000 years.

Typically thought of as a glimmery precious metal used to make coins, bullion, jewelry, and other shiny objects, silver's true value lies in more industrious properties that make it invaluable to high-tech applications such as solar panels, electric vehicles, and 5G networks.

"Silver demand has evolved from a monetary ornamental use, to photographic, to digital, and now to energy," Hecla Mining Company President and CEO Phillips Baker, Jr. said during a March 31 keynote presentation at the Extractive Industry Investment Options Conference.

Hecla, which has been mining silver for 130 years, has been in the business long enough to witness first-hand silver's demand transition from coins and jewelry to solar panels and EVs.

In fact, the Idaho-based mining company traces its founding to a time when silver was losing its 4,000-year status as a choice metal for making coins and the rise of a revolutionary technology that would dictate silver demand for the entire 20th century – a camera for the masses.

Century of silver photography

In 1900, Eastman Kodak introduced the Brownie camera, an affordable camera that allowed everyday people to capture treasured moments and imagery for posterity.

"It was a very inexpensive camera when it first came out in 1900 – it sold for $1, which in today's dollars would be about $31," Baker said.

While the Brownie itself did not contain any silver, the film that images were captured on did. For the entirety of the 20th century, photography was a major consumer of silver. In 1999, roughly 250 million ounces of silver was used each year for photography.

When Baker joined Hecla in 2001, most silver analysts believed photography would continue to drive the demand for silver. The advent of the digital camera and then the smartphone, however, nearly completely ended the century-long era of silver-infused film. By 2019, photographic demand for silver had plummeted to just 34 million oz/year.

Despite this 86% drop in photographic demand, total silver consumption over the same period rose from 875 million oz/year to 1.07 billion oz/year. This is because of silver's rise as an investment metal and steady growth in industrial uses outside of photography.

The techno-metal era begins

The very technological advances that looked to tarnish silver demand have brightened the future for this shiny metal.

It is not silver's luster, however, that is driving the metal's technological demand. Instead, it is silver's status as the best metallic conductor of electricity that is propelling the metal into the future.

While less expensive copper is the most widely used metal for transporting electricity, when you want to build a powerful pocket computer, a little bit of silver goes a long way.

The same traits that make silver invaluable to your smartphone also make silver a vital ingredient for renewable energy and EVs.

Photovoltaic solar cells take advantage of both the high electrical and thermal conductivity traits offered by silver.

Approximately 0.7 oz of silver goes into the making of each photovoltaic solar panel. This currently accounts for roughly 90 million oz of silver demand per year, and Goldman Sachs projects this demand to climb to 105 million to 150 million oz by 2023.

"So, strong, strong demand growth for photovoltaics," said Baker.

The transition to electric mobility is pushing similar demand growth by the automotive sector.

This is because virtually every electrical connection in a modern car is activated with silver-coated contacts, and by their very nature, EVs have a lot more electrical connections.

While approximately 0.64 oz of silver goes into the average internal combustion engine vehicle, an EV needs about 1.25 oz of the techno-precious metal.

As a result, Bank of America forecasts the automotive sector will need about 90 million oz/year by 2026, a 64% increase over the roughly 55 million oz/year currently needed. And this demand is expected to continue to grow as EVs take over ICE vehicles for market domination.

Adding to the technological demands driven by solar and EVs, a recent report released by the silver institute forecasts that the global roll-out of 5G networks will require another 16 million oz/year by 2025 and as much as 23 million oz/year by 2030.

Seeking balance

Greens Creek Hecla Mining Goldman Sachs Bank of America projections photography

Adobe Stock

Going into the 21st century, silver has emerged as a techno metal vital to solar panels, electric vehicles, and 5G networks.

Global silver production currently sits at about 840 million oz/year and demand is approximately 1 billion oz/year. The roughly 170 million oz of silver recycled each year fills the difference between supply and demand. The emerging technological demands for silver, however, are expected to upset this balance.

Using very conservative estimates, the need for newly mined silver is forecast to increase by 95 million oz per year over the next decade.

This is nearly 10 times more than Hecla's Greens Creek Mine in Alaska, which singlehandedly accounted for roughly one-third of total U.S. silver production during 2020.

"Our largest mine, Greens Creek, produces 10 million oz of silver per year. By 2030 ... you would need 10 more Greens Creeks," said Baker.

The Hecla Mining CEO says it will likely take higher silver prices to spur the investments to build the silver mines needed to meet the emerging demands for this metal that continues to evolve with the times.

Author Bio

Shane Lasley, Metal Tech News

With more than 14 years of covering mining, Shane is renowned for his insights and and in-depth analysis of mining, mineral exploration and technology metals.

Email: [email protected]
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text:
10 Years Ago

10 Years Ago 1

Alicia asked, "10 years ago, what were your plans and goals for the future?"

In 2001, I was engaged and in my final year of undergraduate school. I graduated summa cum laude with a B.A. in English one semester later. If you would have asked me to envision my future then, I would have said that I planned to get both my Masters and my PhD - probably in Counseling or Family Studies. I wanted to speak at conferences, to travel the world, to write books, to do research (nerd that I am), and to teach at the university level. Oh, and I wanted to have kids.

It was kind of an afterthought, exactly like that. I knew I wanted to have kids...but I didn't realize that becoming a mother would overshadow everything else. (But not in a bad way). Motherhood didn't steal away my dreams. Nor did it really change them. And yet...it changed everything. I'm the same, but I'm different. I'm better (for sure).

Parenthood is a paradox. Indescribable...but wonderful.

My life is richer now, my dreams are more vivid. It's like I was living in black & white...and then...poof...I landed in a world of color. Just like Dorothy in the Wizard of Oz.

What were YOUR plans + goals for the future ten years ago?

***Thanks so much for your birthday wishes. (If you still have a question, go back and add yours - I will answer).

Leave a Reply

Your email address will not be published. Required fields are marked *

27 comments on “10 Years Ago”

  1. 10 years ago i was getting engaged and only knew I was excited to start down the path of life with Scott. We knew he was starting grad school but we weren't sure yet where. So, my plan was to follow him :)

  2. 10 years ago, I was working at ESPN, wondering if the man of my dreams existed, and debating accepting a the offer of a spot in the MFA in Creative Writing program at Emerson College but hoping my wait list spot at the Johns Hopkings MFA in Creative Writing program would get called up first.

    In the end, I went to neither, and opted to get my MA in Teaching... I honestly always said I would never be a teacher, but some side jobs teaching adult ed creative writing changed my mind - It was so fun and exciting! So... here I am 10 years later, with 7 years of teaching behind me, and I DID meet the man of my dreams and now we have a baby! :)
    Phew - so much for plans! haha

  3. Ten years ago, I was entering my senior year in high school. I would have never thought that I would become a mother either. Certainly not at the young age of 23. Like you, I thought that I would go to college, grad school, and then get married, write books, and teach at a university. (We truly are kindred souls). But here I am about to finish grad school, and a mother, and single. But I'll take this any day because as you said, I am better for sure.

  4. 10 year ago... it's so hard to think about who I was back then even! I was actually just about ready to leave for a semester abroad... I had 2 years of college left after that to get my undergrad degree. I think the world was my oyster!

    I knew I wanted to get married, but had yet to have a serious boyfriend or even be kissed (yes, that's right, I was over 21 before I was ever kissed!) and yet I wanted to get married before my parents did at 25 because I thought that was too old! (I did get married at 25, but had my kids a lot earlier than my parents were able to)

    I knew I wanted to be a teacher, but hadn't yet discovered that I had taken exactly all the wrong classes at my community college to get an education degree. So I would have to attend grad school. But this also actually allowed me to take awesome classes in Spanish, Chemistry, and Christian Ministries that I otherwise wouldn't have.

    And I had no idea how hard and how life changing the coming semester abroad would be! :)

  5. Motherhood is such a paradox! Dreams change with the ebb and flow of life. Some dreams are lost, some dreams remain and some shift. I'm okay with that. Ten years ago I had just gotten married and was thinking about whether or not to have kids! I was also thinking about trying to write - a lifelong dream.

  6. me too! I was a family counselor- always very career minded.... and now I love seeing how those things of college play themselves out in other ways- I love being a "full-time" mom and wouldn't have it any other way but it has been a transition to how I started out. BEAUTIFUL post!

  7. Ten years ago I was just starting college, with the idea that I would be a Mathematics major. I wanted to use that major to become a math tutor, specifically working with homeschoolers. Plus, I had the hope of getting married and having kids, and wanted to have a career path that worked well with being a SAHM.

    And now? I am a SAHM with 3 kids under 4 yrs old, have my degree in Mathematics, and have been tutoring for the past 9 years. :D Sounds like maybe I plan things out a little too much?

    Okay, so my life in the past 10 years hasn't been *completely* the way I thought it would be. I always figured I would marry someone from my church, same denomination, same theological viewpoints. But I ended up marrying a Catholic (I'm Reformed Protestant) who is my best friend. We challenge each other all the time with regards to our Faith, and I love it.

    Life is good.

  8. 10 years ago I was 24 and had just finished grad. school, started my first teaching job and was preparing to get married in June. My life today really looks a lot like I envisioned, except that I'm a SAHM. I always thought I would continue to teach after I had kids, but one look at my son and I knew that wasn't happening! Now that I've had my kids I kind of feel like I'm 20 again, trying to figure out to do with my life once they start school.

    1. I remember feeling the same way pre-baby. I thought I'd go back to work part-time after kids, but...then I had my firstborn...and realized that I didn't want that, after all.

  9. Ten years ago I was in grad school studying to be a librarian. I was living in a house full of friends in Boston and had just taken some time off from my long term boyfriend and was dating up a storm. I had no thoughts about children but did know that I wanted them. Ten years later I have two little girls and married to that boyfriend. I wouldn't change the path that got me from there to here.

  10. I love the Wizard of Oz analogy to motherhood!

    Ten years ago I was just getting ready to graduate summa cum laude with a BBA in Finance. I was dead-set against doing any kind of graduate school work (but I did get my MBA 3 years later). 10 years ago, my now-husband and I had been dating for 3 years but we were not yet engaged. I was getting ready to start my career as a financial analyst at a Fortune 500 company (that "career" lasted 6 months until I figured out that banking was more my style). I knew I was going to be a mother but I knew that it would be better for me to wait until I had some money in the bank.

  11. 10 years ago, I had just graduated high school. I wanted to travel the world, which I did...but most of all, I wanted to get a good education which at the time I could not get because I was living in Nigeria and the University system were too shabby for me. I cried day and night that my dreams would fail me, that I would not become an engineer. I also, wanted to get a PhD which I am still hoping will happen. Motherhood for sure wasnt part of the equation then, but it did change everything. I am glad I was able to experience motherhood at an early age (22/23), it changed me completely....I became a better mother, student, career woman because of it.

    Thanks for asking :)

    1. I would still like to get my PhD as well, but I'll likely only do it if I can find a program that is flexible enough to allow me to keep my family first. I'd love to find a university that offers an online/on-campus hybrid program...so that I can spend most of my time at home.

  12. 10 yrs ago I thought I would continue to live in rural Ohio, focus on my career, and never have children. Now I am in TN, have 2 kids, and am a SAHM. Glad I went with the flow as things came to me and allowed it all to happen. :)

  13. Wow, it's interesting to think back. Ten years ago my husband and I were reconciling our marriage after a very difficult separation, I was deciding to go to grad school to change careers from mechanical engineering to teaching, my husband's sister and niece were living with us, and most of my goals were short-term. Now my marriage is healed and strong, I'm trying to decide on my next career option, I miss that niece terribly, and I'm still primarily focused on short-term goals. The one long-term goal I had back then is still in place, but I'm not sure if I'll get there. I want(ed) to have foster kids by the age of 40 and that's right around the corner! My husband is still very hesitant about fostering and I don't want to push him into it. We met a foster mom and her three foster children this weekend and I could tell that it made him think. I hope he's ready soon!

  14. Interesting...10 years ago I didn't really have a clue what I wanted with my life...I was so lost in every aspect of my life. If you would have told me ten years ago that life would be this sweet, I don't know if I would have believed it!

  15. 10 years ago... I was 21 and finishing my student teaching. I knew I wanted to be a teacher, but even more I wanted to get married and have kids.
    Now that I've done those things, I'm trying to figure out where to go from here. I am thrilled being a mommy - it's truly the best in the world. There are still some things in my life that need fine tuning though, and I'm working on it. That'll probably always be the way, though, won't it?

  16. Ten years ago I was living in Kyrgyzstan and thought I would be a long term missionary. I guess I still am a missionary, but in a very different world. I'm a business owner in Vancouver and love the people I work with every day. Definitely not what I expected, though.

    1. I remember this well. Who would have thought that you would be a renowned chef in Canada now? ;)

      It's strange and amazing how our stories unfold, isn't it?

  17. Hah! 10 years ago I was a sophomore in high school and wanted to become a doctor or possibly a lawyer. I had definite plans for college but didn't know what for yet. I changed my mind on the doctor part after some health science classes later in high school. I got my bachelors in international business and economics. I changed my mind about being a lawyer after a year of law school.

    Motherhood is the best!

    1. What a marketable degree you have! I often wish that I had pursued an MBA instead of going for my M.A. in Counseling. In fact, I might STILL like to get an MBA someday.

      Do you think you'll ever go back to school?

      1. I really enjoyed my business classes while getting my bachelors, but I'm not sure I'd ever do anything directly related to them. If I went back, I'd probably pursue a teaching certification on top of a math degree. But that would probably be pretty far down the road. I have a feeling my want to teach will be satisfied on my current child and future children.

  18. I love how you described motherhood! I'm looking forward to that so much and can't wait for the day it finally arrives. Thank you so much for answering my question!

    P.S. Nerds rock!

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Five Pocket trousers. No other type of trouser is as well established. What counts is that they fit but the look has to be right too. For M|5 we have designed three ideal fits – REGULAR, SLIM and SKINNY – all available in an unusually wide range of sizes. The stretch fabrics used form the ideal basis for the line’s modern image and the round waistband ensures the perfect fit around the waist.

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Holiday Season Is Here

Expect heavy enforcement of drunk driving laws as the Holiday Season is here.

Do you realize that you license may be revoked if you refuse a Police Officer’s request to take a breathalyzer test.
It is a no brained-Do not drink and drive this holiday.

If you happen to be in Long Island for Thanksgiving eve, Uber is providing free rides from 9pm-3am (up to $15 worth) The promo code “SAFERIDELI

If you receive a summons for a speed, disobey traffic device, or any other moving violation, an experienced traffic ticket attorney can help. Please call us at 212-227-9008 or email us at michaelblock.law@gmail.com

Enjoy your Holiday and stay safe!

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Tuesday, February 11, 2014

Adjusting the 4% Rule for Portfolio Fees

The 4% rule for retirement spending comes from a 1994 paper by financial planner William Bengen called Determining Withdrawal Rates Using Historical Data. Bengen showed that portfolios with 50% to 75% U.S. stocks and the rest in intermediate-term treasuries would last for 30+ years with yearly inflation-adjusted withdrawals of 4% of the starting portfolio value. However, Bengen assumed that you don’t pay any investment fees. Here I replicate Bengen’s study and look at how fees affect the results.

The retirement spending plan tested by Bengen differs from my ideas on Cushioned Retirement Investing in two main ways. With cushioning, you adapt your spending somewhat if investment returns severely disappoint, and the cushion leads to your portfolio volatility dropping through retirement. Bengen tested a strategy where you choose the withdrawal amount based on your portfolio size at the start of retirement. Once the withdrawal amount is set, you only adjust it for inflation. Bengen also assumes that you stick with a fixed asset allocation throughout retirement.

So, if you have a million dollars at the start of retirement, the 4% rule says you get to spend $40,000 in the first year and bump that up by inflation every year. Bengen checked how this strategy performed for 51 retirees retiring each year from 1926 to 1976. The retirees were assumed to own U.S. stocks and intermediate-term treasuries in either a 75/25 or 50/50 ratio.

I used Robert Shiller’s online data to replicate Bengen’s results. Shiller only had long-term bond data rather than intermediate-term, but I found it made little difference to the results. The number of years that each portfolio survived differed by a year or two from Bengen’s results in only a few places.

Bengen found that with the 4% rule, all 51 retirees’ savings lasted for at least 30 years and only 5 of them lasted for less than 40 years. So, I used this as standard for what is acceptably safe. Running my simulation, the largest withdrawal that passed the acceptability test was 4.03% for the 50% stock portfolio, and 4.00% for the 75% stock portfolio. So far so good. The results match Bengen’s.

Next, I introduced portfolio fees. For management expense ratios (MERs) ranging from 0% to 4%, I repeated the simulations to see what maximum withdrawal rate would pass the tests. You might think that the maximum withdrawal rate would simply be 4% minus the MER; this isn’t true because the MER is charged on an ever-declining portfolio size, but the 4% applies to the starting portfolio size.

Here are the results:

By the time the MER reaches 2.2% for a portfolio 75% in stocks, the 4% rule has become the 3% rule. You might think that using a 3% rule is just a more conservative approach, but this isn’t the case. Using a 3% rule with a 2.2% MER is just as risky as using the 4% rule with no portfolio costs (not that it’s possible to get away with no costs at all).

If you blindly follow the 4% rule without understanding where it came from, you’ll likely end up running a much higher risk than you realized of running out of money later in retirement.

  1. So looking at your chart,it would seem,roughly speaking,each percentage of MER would reduce the SWR by about half a percent.
    Some incentive to try a get that MER as low as possible.

    1. @Anonymous: You're right that it's pretty close to linear. For most people, I think you have to translate it into dollars. For example, you can draw $5000/month minus $560 for each percent of MER.

  2. I suspect the folks that blindly follow financial advice, and the 4% rule, are the folks that need an advisor.

    I just hope they don't pay 2.2% fees but I suspect many do.

  3. And don't forget that if you only have an RRSP (other than CPP/QPP and OAS) and you convert it to a RRIF you can flush this whole study down the drain as the only year you get to withdraw 4% is when you are 65 (less if younger).
    This really only apprles to non-registered investments as then you are the master of the withdrawal rate that you wish to impose on yourself

    1. @Anonymous: A very late response, but just because you have to withdraw from a RRIF doesn't mean you have to spend all the money. You can invest part of it in a TFSA or non-registered account.


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Dr. Michael Laitman To Change the World – Change Man

Rosh Hashanah, a New Beginning

“Man is a wolf to man,” reads the Latin proverb Homo homini lupus. This aptly describes the way we treat each other in today’s society. One may have reached the point where we think that we have nothing to rejoice over—we have destroyed Earth, families, countries and peoples, culture and education. We have reached a very bad juncture. But on the other hand, this low point could serve as an opportunity to scrutinize our state, restart and ascend from this situation on Rosh Hashanah, this new year.

It all depends on how keenly we judge ourselves, evaluate the time we have wasted to amend our state, declare “Enough!” and take the necessary steps to a new life. And this new life does not necessarily imply building anything new other than good relationships between us.

Rosh Hashanah, from the words “head” or “start”[“Rosh” in Hebrew], and “change” [“Shinui”], signify the beginning of change, the ability to transform our current direction of suffering, insecurity, and emptiness into a new path in life characterized by happiness, confidence, and fulfillment.

The symbols of the Rosh Hashanah holiday resemble the state we aspire to attain. Apples with honey represent the desire for a sweet and happy new year. Eating a pomegranate with all its seeds symbolizes to us all the good deeds we need to do toward others. A baked round loaf of bread is the whole, complete life we want to achieve. And the head of a fish reminds us “to be the head and not the tail.” The fish also symbolizes to us the animal that lives in water, and water is grace. It is like getting a newborn child who was surrounded by water inside his or her mother’s womb. So, all these are signs that we stand on the threshold of a new era, a new life.

Where exactly should we begin this process of change? The first step toward a new beginning is through gaining awareness. It is important to realize that human relationships—either bad or good—determine our whole life. They affect not only us but all the other levels in nature as well: inanimate, vegetative, animate. The human level is the highest on the scale of nature, so if we repair the dysfunctional and reckless way we treat each other, this correction will permeate the rest of the system.

The increasing problems that we are experiencing globally should awaken within us a deep introspection to the point that we realize that everything depends on us, on our attitude toward our fate, toward nature, toward everyone. A thorough assessment of the quality of the relationships between us will reveal just how harmful we have been to each other during the last year, the root cause of the pains and sorrows we experience in return.

Consequently, a good new year will be determined by our desire to implement the great rule of the Torah, “love thy neighbor as thyself.” We have to scrutinize ourselves according to this tenet, whether we have behaved correctly or badly toward others.

With all the evil forces being revealed in human society and in nature, let’s hope that we will be smart enough to realize that our strength lies in our unity. Therefore, it is in our best interest to hasten our change of direction, from separation to integration. Then, instead of devouring one another like wolves, we will behave as a strong community of caring human beings who constantly support and cherish each other. Happy Rosh Hashanah!

#RoshHashanah #jewish #unity

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August 24, 2021

Happy Lockdown Birthday

Cheers to myself for surviving my second lockdown birthday. I never thought that I will be celebrating another quarantined birthday but of course, this pandemic won’t stop me from celebrating. Despite what is happening in the world, there is always a reason to be happy and thankful.

Another year down and I'm grateful to God for the gift of life. Waking up every morning is already a gift so I’m really glad to spend and share my life with my two boys even at the comfort of our home. My love language is time so as long as they are present on my birthday, okay na ko. I'm also thankful for all the people who remember and took the time to greet me.

For the past few years, my birthday wish is always good health because it is true that “Health is wealth”. If you get sick, mauubos ang pera mo sa pagpagamot and worst pa, kung hindi mo rin maenjoy ang wealth mo. So I'm praying for a healthy life ahead because I want to grow old pa.

And because this is another quarantined birthday, wala ng ibang iisipin kundi food. Last year, we had Steak and Seafood Grill so I was planning for a Shabu-Shabu Birthday Celebration but I changed my mind. I felt lazy to prepare for the ingredients, naisip ko marami ko i-slice na mga veggies, seafood, and meat. Ayaw ko mapagod sa birthday ko, hehehe! So I told my husband to order food at Illo’s Party Trays

I learned about Illo’s last month, ito yung handa ng pamangkin ko nung graduation niya. Nasarapan sila so I checked the website and social media. Nagutom ako sa kakabrowse ng food and even celebrities pala bumibili din sa kanila. They have different packages and I was choosing between Ricardos and Remedios, but I settled for Ricardos kasi ito yung order ng sister-in-law ko dati.

Ricardos PHP3,080

Beef Caldereta
Lechon Kawali
Cajun Roast Chicken
Chorizo Fried Rice
Mixed Nuts Banana Loaf

We are just a family of three and the food package is good for 4 to 6 persons. As far as I know, ito na yung pinakamaliit and mura sa menu packages. It is not really a problem because my birthday leftovers will be our food for the week. Hehehe! Hindi pa ko magluluto ng ilang araw, nakapahinga pa ko.

My husband just called but was advised to send a message through Viber or WhatsApp. Then he paid through online banking. As expected, my husband chose pick-up, nagtitipid sa delivery fee. All foods are safely packed in plastic containers and may sariling eco-bag din so hindi mahirap bitbitin.

While I was preparing the food, my son kept on saying “wow, sarap ng food”. It was funny because hindi pa naman niya natitikman except for the cake and leche flan na all-time favorite na namin. But after trying the food, we knew that it won’t be our last time. For our future celebrations, Illo’s Party Trays will be part of our options. My son likes the Cajun Roast Chicken while my husband and I like the Lechon Kawali.

My husband also bought Cafe Mary Grace Cheesecake PHP1302 and Contis Leche Flan PHP195. I told my husband to buy a small cake for my birthday but he ended up, buying a big cake because he said, mas malaki pa daw cake topper ko sa small cake. Hahaha! Actually, I made two cake toppers for my birthday but I will share my DIY Cake Topper in a separate post.

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Gaming PCs are more popular than ever, and the limitless options out there can be intimidating for people new to the hobby. Prebuilt PCs offer the functionality of a custom gaming PC but without the need for setup or any previous computer knowledge. Prebuilt gaming PCs are an excellent way to get into the hobby without breaking the bank. Name brands such as HP and Dell offer a wide variety of prebuilt gaming PCs that can have you up and running in no time. These computers' many variations and price points make them great for any task from gaming to office work. Prebuilt PCs come ready out of the box and can save you time and money when purchasing your next gaming computer. Most desktop PCs will even come with a keyboard and mouse, further reducing initial costs. When you buy a prebuilt PC, it also includes the operating system, which helps to save you even more money. The only additional purchase you will need to make with a prebuilt gaming PC is a monitor, although almost all prebuilt gaming PCs support an HDMI output and thus are compatible with nearly any modern TV or monitor.

Warranties for prebuilt PCs are easy to manage, help to reduce stress, and save you time when repairs are needed. Extended warranties and service plans can keep your desktop protected for years to come. The service team at Micro Center can help you with any problem that may arise and ensure your computer is working as you intended. An often forgotten benefit of prebuilt PCs is that while they come assembled, they can still be modified and upgraded just like any other gaming PC. Components such as graphics cards, RAM, or storage drives can easily be swapped out to increase a desktop PC's performance. If you ever have problems finding parts or ensuring compatibility between components, you can use Micro Center's Custom PC Builder tool to help you answer your questions. With a little bit of work and minor upgrades, you can make any prebuilt PC feel unique and personalized.


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Gaming PCs are more popular than ever, and the limitless options out there can be intimidating for people new to the hobby. Prebuilt PCs offer the functionality of a custom gaming PC but without the need for setup or any previous computer knowledge. Prebuilt gaming PCs are an excellent way to get into the hobby without breaking the bank. Name brands such as HP and Dell offer a wide variety of prebuilt gaming PCs that can have you up and running in no time. These computers' many variations and price points make them great for any task from gaming to office work. Prebuilt PCs come ready out of the box and can save you time and money when purchasing your next gaming computer. Most desktop PCs will even come with a keyboard and mouse, further reducing initial costs. When you buy a prebuilt PC, it also includes the operating system, which helps to save you even more money. The only additional purchase you will need to make with a prebuilt gaming PC is a monitor, although almost all prebuilt gaming PCs support an HDMI output and thus are compatible with nearly any modern TV or monitor.

Warranties for prebuilt PCs are easy to manage, help to reduce stress, and save you time when repairs are needed. Extended warranties and service plans can keep your desktop protected for years to come. The service team at Micro Center can help you with any problem that may arise and ensure your computer is working as you intended. An often forgotten benefit of prebuilt PCs is that while they come assembled, they can still be modified and upgraded just like any other gaming PC. Components such as graphics cards, RAM, or storage drives can easily be swapped out to increase a desktop PC's performance. If you ever have problems finding parts or ensuring compatibility between components, you can use Micro Center's Custom PC Builder tool to help you answer your questions. With a little bit of work and minor upgrades, you can make any prebuilt PC feel unique and personalized.


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Sunday, March 14, 2021

Rain and wind Sunday

It'll be quite an interesting weather day across the entire region. Here are the highlights:

* Off and on showers through the AM and early PM
*Steady moderate to heavy rain later this evening
* Strong wind gusts ranging between 30 and 40 mph through the day.


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Latest news MidGlos Member News

Newsletter Issue 40

Hello everyone,

Sadly, I have to start with sad news. You have already been informed by Kath but in case some of you missed it, I have to report that Colin Inward, a former full member and latterly a social member died earlier in the year. More recently, Muriel Cooper, Reg Cooper’s wife, died after a long illness. Reg was a founder member of the club.

Many of you will have known them although I didn’t. We send our condolences to the respective families and friends.

I heard some very useful information recently. If you have been pestered with scam telephone calls, as we have. Hang up and dial 1572 to block that caller. Never press any numbers if the caller requests it. There are some very underhand, wily characters out there who obviously have nothing better to do with their time than prey on those they hope to be vulnerable. If you are at all suspicious, hang up.

The first stage of the roadmap out of lockdown begins today with children going back to school. I have four very emotional grandchildren going back to morrow. Two are at primary school and two at secondary. The latter two have both been tested twice this week prior to their return (both tested negative).

My daughter said that it was so sad to see them meeting friends they hadn’t seen for ages, firstly not recognising them because of the masks and then not being able to hug them. Much emphasis during this pandemic has been placed on the elderly but, at the other end of the scale, are the youngsters who have gone through so much. I just hope the damage is not lasting. There is no doubt that they have all been affected in various degrees.

On the other hand, the lockdown has not got to me at all. I was gardening last week and I caught myself apologising to a worm! I hadn’t even chopped it in two. I had picked it up to put in with the garden rubbish mistaking it for a stick. The following day I was chatting to a robin. I have just taken the lockdown in my stride!

In the last newsletter, I passed on the information which had been
sent out by the EIBA. This week they have issued information about
the dates for various competitions which is good news, provided the
“roadmap” is not changed.

This information is available here

Thankfully we are getting closer every day to getting back to normal. Personally I can’t wait. The good news is that, for the summer season, we have more teams entered than usual – there are seven on a Monday and ten on both Tuesday and Thursday.

There will also be an umbrella on Friday morning and evening. Gloucestershire seems to be doing particularly well with a low infection and death rate and a really efficient vaccination programme.

All good news!
Keep well,

Linda Watkin-Jones.
Director (PR & Marketing)

4 replies on “Newsletter Issue 40”

Hi Linda.
Was interested to read that you have had a conversation with a worm. I know several gardeners including myself that have tried to do the same. That said can you tell me at what end of the worm are its ears please. Also when its moving along is it going forwards or backwards. There are other issues with a worm that I’m interested to know so anything that you think might be useful please include it in your next news letter.

Judging by the comments in the news letter it looks like we are all going mad or keeping a sense of humour ,the latter I hope.l would like to thank everyone working on the club’s behalf .l can’t wait to get back playing and seeing all lovely mid glos members old and new.My news is that I had a new knee on 1st March working hard to be able to play ASAP.Be assured I will be there in some form,off my trolley or normal watch this space.

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We are now taking plant orders for local pick up through the summer until October 1st 2020. We have a large selection of herbs and native perennials as well as vegetable and garden plants. All grown organically and vibrantly healthy.

And to make sure shopping is safe, we are setting it up online with drive-through pick up by appointment! Most orders can be picked up within 48 hours.

Expand and develop your knowledge and experience with our workshops on Growing Herbs, Herbalism, Organic Gardening, Biodynamics, and Permaculture!

Welcome to Midsummer Farm!

We are a teaching farm, an herb farm, a homestead, and a private plant and seedling nursery. We practice a special form of food production based on and inspired by natural patterns and ecosystems which celebrates and actively makes use of diversity, connectedness, and revitalization. We specialize in holistic health and gardening education, workshops, growing herbs, and herbal healing. Everything we do is beyond-organic and restorative to the land, the animals, and people.

We are working toward a lifestyle of growing and eating good food, living artistically with nature, using herbs and nutrition to live happily & healthfully.

We are driven to teach and share this successful model of food production, and to do so, we offer intensive and hands-on educational courses, and a series of workshops and personal consultation services on topics in Permaculture, Herbalism, Organic Gardening, Biodynamics, and Holistic and Integrative Nutrition.

Unlike so many information sources out there right now, we are teaching toward the small scale grower and food producer. Not just talking theories or simply cutting large scale principles down, but pursuing small scale realities - truly making backyards and micro-farms and homesteads productive and fulfilling.