text:
SQL Server

Achieve High Availability for SQL Server

Zach Nichter

At a Glance:

  • Mirroring
  • Database snapshots
  • Log shipping
  • Clustering
  • Replication

Download the code for this article: NichterHA2007_03.exe (151KB)

High availability is a concept that every database administrator should understand. It refers to the responsiveness and accessibility of a system. Sometimes high availability means a response time of seconds while other situations require response times in

fractions of a second. I once consulted at a company where Web servers required SQL queries to have round-trip response times in milliseconds; if the response exceeded that limit, the database system was considered down and the Web server would reconnect to the next available database server.

With users demanding faster and faster applications, knowing how to achieve high availability and quick response times will help you plan your data-dependent applications wisely.

Fortunately SQL Server™ 2005 has a number of options to improve availability, including replication, clustering, database mirroring, database snapshots, and database log shipping. I'll take a look at these features and provide some insight into how you can decide which are right for your environment. Let's start with Figure 1, which describes availability options in SQL Server 2005.

Figure 1 High-availibility options

Technology Attributes Replication Database Mirroring Clustering Database Snapshots Log Shipping
High-availability option
Tolerate high transaction requirements
Real-time data availability
Data image is read-only
Unique hardware configuration
Low cost
Provides data recovery
Automated failover
Potentially complex implementation/management
Possible performance considerations

Defining High Availability

One of your first objectives when planning a high-availability application is defining what it means in your particular environment. To some organizations, high availability means that there must be redundant hardware equal to the production hardware, requiring both the data and the hardware to have an up-time and availability of 99.995 percent or higher. Other organizations might require only the data itself to be highly available, with less concern for production-level performance should a failover be necessary. Defining high availability is important in determining the right solution for your situation.

You also need to identify the types of outages you may experience and indicate how they affect your Service Level Agreements (SLA). Outages that can affect your availability include planned, unplanned, and degraded performance.

A planned outage is usually a scheduled maintenance window about which the users of the systems are informed in advance. An unplanned outage is generally the result of a hardware or software failure that causes your data to become inaccessible. Performance degradation can also cause outages and is often measured in end-user response time, which is typically agreed upon in advance by the business as well as the IT organization in some form of SLA.

In addition to identifying potential sources of outages, you must also determine the activity level of your data and whether it must always be online or can be near-line or off-line at times. You must also decide if the availability option is going to be in the same geographic location or a remote location. Budget limitations will likely play a role in your decision as well. Now let's look at each availability option.

Database Mirroring

Before I dig into database mirroring, I should define the terminology.

The principal is the primary production server housing the database that is sending its transaction logs continuously to the mirror server and database.

The mirror is the secondary server that houses the backup copy of the database. The mirror copy is consistently synchronized with the principal database.

The role indicates the purpose of the particular server-whether it serves as the principal or mirror.

The witness is the instance that monitors the principal and mirror servers as they perform their duties and can initiate an automatic failover.

A partner can be either the principal server or the mirror server.

In a typical environment, the principal database will be backed up on the principal instance and the backup will be restored on the mirror instance (see Figure 2). Once the database is restored, mirroring must be set up on the principal server either using the properties window of the principal database in the SQL Server Management Studio (SMSS) or by using T-SQL scripts.

Figure 2 Database mirroring architecture

Figure 2** Database mirroring architecture **(Click the image for a larger view)

Once mirroring is configured and the mirroring session has been established, the principal and mirrored databases will synchronize. The principal database will then send its transaction log of events that occurred since the time the last backup was applied on the mirror. The mirror will receive the log and attempt to apply it as quickly as possible. If you're using SQL Server 2005 Enterprise Edition, this process is multithreaded; otherwise it is a single-threaded operation. As soon as these logs are applied to the mirror, the databases are considered synchronized and will remain synchronized until the mirrored session is broken.

As clients execute new transactions, the principal server executes the transactions against the principal database and while doing so ships the transaction log records from the principal database to the mirrored database's redo log, or log queues, where it is picked up and applied to the mirrored database. Once the transaction is applied and committed on the mirror database, a reply is sent to the principal announcing that the transaction has been committed on the mirror. The principal will not confirm any new transactions that might come into the system until the acknowledgment is received from the mirror.

In the case of a failure, the mirror can initiate an auto-failure and the witness supports the process by determining whether the principal database is available. Once a failure occurs, the problem on what is now the mirror partner must be resolved before it can again become the principal partner. After the issues are resolved on the mirror partner, the move back to the mirror partner server is initiated and the databases synchronize again. Once they are in sync, the mirroring session can begin again.

This particular mirroring mode is a high-safety mode that provides synchronous transactional operations by turning on transactional safety, but it does not require a witness because it does not take advantage of automated failover; all failovers are manually initiated. There is another type of mirroring mode that provides synchronous transactional operations-the high-availability mode. It requires not only that transactional safety be turned on, but also that a witness be used for automated failover in the case of a failure.

The third and final mode available in mirroring is high-performance. It requires that transactional safety be turned off allowing for asynchronous operational support which, in turn, allows the transactions on the principal partner to commit without having to wait for the transaction record to be written to the mirror. High-performance mode does not require a witness in the configuration.

Note that mirroring requires the same edition of SQL Server on principal and mirror but not on the witness, which can be SQL Server Express Edition. In addition, it is important that the principal database be in full recovery mode.

ADO.NET 2.0 is integrated with SQL Server 2005 and includes the ability to support database mirroring and provide a transparent failover for the application to the mirrored environment. This gives your ADO.NET application a way to automatically fail over without any additional coding or configuration if a connection to the principal database cannot be made. The configuration is as easy as specifying a common user between the two environments and the failover partner in the connection string. The following is an example of an ADO.NET connection string identifying the failover partner for the mirrored database environment:

"Provider=SQLNCLI.1;Data Source=MirrorDB;Failover Partner=SQL03;
 Initial Catalog=AdventureWorks;
Persist Security Info=True;User ID=TestUser; Password=TestPswd; Pooling=True;
Connect Timeout=5;Application Name=ADOMirrorTest"

Database mirroring might be a good option for your company depending on your application and data requirements, but there are a number of things you need to consider for optimal performance. For instance, how high is the transaction rate of the system or the volume of data change? When you consider database mirroring, it is critical to determine whether bandwidth and network speed are sufficient to handle the volume of data and the transaction processing rate. Also, consider the saturation of the link. This is especially important if the mirror is in a different geographic location. Monitoring your system beforehand is crucial in determining if there are any environmental limitations that would prevent mirroring from operating efficiently.

Database mirroring can be a particularly good option if you are trying to keep costs down. In fact, the database mirroring architecture requires no shared disks and no advanced or specialized skill to run the environment. And unlike clustering, database mirroring does not require that both of the partners have the same hardware. Furthermore, it's simple to implement mirroring using the setup wizard found on the mirroring tab of the database properties window (see Figure 3). I also recommend reading the whitepaper "Database Mirroring Best Practices and Performance Considerations" at go.microsoft.com/fwlink/?LinkId=80897 for more helpful information.

Figure 3 Mirroring setup wizard

Figure 3** Mirroring setup wizard **(Click the image for a larger view)

Database Snapshots

Database snapshots are a new technology offered in SQL Server 2005 Enterprise Edition, but are not considered a high-availability option. Database snapshots should be used as a recovery or a viable reporting option when used with other technologies. A snapshot is simply a read-only view of a database at a particular point in time.

A snapshot is created by using a CREATE DATABASE command like so:

CREATE DATABASE SnapDB_20061028_2030 ON
(NAME = SnapDB_Data, FILENAME =
    'C:\Program Files\Microsoft SQL Server\MSSQL.1\MSSQL\Data\SnapDB_20061028_2030.snp')

When the database snapshot is created, it uses one or multiple files called sparse files rather than data files as a typical database would. These sparse files are essentially virtual holding places that initially consume no data. They are used to hold data only if the data it is changed or deleted in the source database. Data is written to the sparse files one data page at a time and the actual database snapshot only displays data that has been changed since the snapshot was taken. The rest of the data comes from the source database's data pages.

The database snapshot files are allocated at the size of the database when the snapshot was taken. The allocated size does not tell you how much data they actually hold. To get that information, run a T-SQL statement like this one:

FROM fn_virtualfilestats(DB_ID(N'SnapDB_20061028_
    2030'), 1);

Because of the way data is stored in sparse files and the source database, when a database snapshot is accessed, the data pages in the original database data files and data pages from the sparse files of the snapshot are retrieved. Snapshots can only live on the server with the source database that the snapshot was taken from because of the need to share data pages. Because this architecture does not alleviate I/O on the source database, snapshots are not a valid reporting option to pursue as they will not represent the true state of the database.

Consider a scenario where database mirroring is used along with snapshots. This allows for the reporting data, the mirror, and snapshot databases to be separated physically from the principal database. The database snapshot is scheduled using the SQL Server agent and a custom script to provide refreshed snapshots at regular intervals. The example script in Figure 4 shows the stored procedure used to accomplish this. It is designed to be used inside of a job to manage creating and dropping snapshots for a particular database in your environment. This would allow for an acceptable reporting solution because the reporting data would be isolated from production data.

Figure 4 Stored procedure for scheduling snapshots

use msdb;
set nocount on

CREATE PROCEDURE usp_snaprefresh
     @database    sysname = NULL    --name of the database to snapshot
    ,@keepsnap    int        = 24   --# of hours to keep a snapshot
                                    --after it was created
                                    --use a value of '0' to keep all
                                    --existing snapshots
    ,@fileloc    sysname            --location for snapshot
        = 'C:\Program Files\Microsoft SQL Server\MSSQL.1\MSSQL\Data\'

     @dt            datetime        ,@cnt          int
    ,@databaseid    int             ,@snap         sysname
    ,@sql           nvarchar(1000)  ,@yy           varchar(4)
    ,@mm            varchar(2)      ,@dd           varchar(2)
    ,@h             varchar(2)      ,@m            varchar(2)
    ,@lname         sysname         ,@pname        sysname
    ,@file          sysname         ,@pos1         int
    ,@pos2          int

-- initialize variables
     @dt = getdate()
    ,@cnt = 0, @pos1 = 0, @pos2 = 0
    ,@databaseid = db_id(@database)

-- check if valid database was provided
IF @databaseid IS NULL
    RAISERROR ('Missing database name. Rerun the procedure specifying a
       valid database name.',16,1)
    RETURN (0)

--determine if snapshots should be kept
IF @keepsnap <> 0
    -- determine if other snapshots exist for this server older than @
    -- keepsnap value hrs
        name INTO #t1
    FROM master.sys.databases
    WHERE source_database_id = @databaseid
        AND create_date < dateadd(hh,-(@keepsnap),getdate())

    IF (SELECT max(RowNum) FROM #t1 where name is not null) > 0
        WHILE @cnt <= (SELECT max(RowNum) FROM #t1)
            SELECT @snap = name FROM #t1 WHERE RowNum = @cnt

            PRINT 'Dropping snapshot ''' + @snap + ''''

            SET @sql = 'DROP DATABASE ' + @snap

            SELECT @cnt = @cnt + 1

-- break apart point in time date time information for file name
SELECT @yy = convert(varchar(4),year(@dt)),@mm = convert(varchar(2),
    ,@dd = convert(varchar(2), day(@dt)),@h = convert(varchar(2),
    ,@m = convert(varchar(2), datepart(mi,@dt))

-- piece together the database snapshot name and the file name
SELECT @file = @database + '_' + @yy + @mm + @dd + '_' + @h + @m

-- identify logical file name of primary data file
SET @sql = 'SELECT name INTO tempdb..t1
FROM ' + @database + '.sys.database_files
WHERE file_id = 1'

--setting logical filename for the snap
SELECT @lname = name FROM tempdb..t1

-- making sure the file location ends with '\'
IF substring(@fileloc, len(@fileloc), 1) <> '\'
    SET @fileloc = @fileloc + '\'

-- build sql statement to be run
SET @sql = N'CREATE DATABASE ' + @file + ' ON
(NAME = ' + @lname + ', FILENAME = ''' + @fileloc + @file + '.snp'')
AS SNAPSHOT OF ' + @database

-- cleanup
DROP TABLE tempdb..t1;

Keep in mind, though, that database snapshots are considered temporary because snapshots cannot be backed up and cannot exist without their source database. If a sparse file runs out of space, the snapshot will be considered corrupt and must be dropped.

In addition, with database snapshots system performance can be degraded during data modification operations on the source database because the data pages are being written to the sparse file for each snapshot from the source database data files. This in turn multiplies the number of writes by the number of snapshots a database has.

Read permissions are defined by the source database at the point of the snapshot and cannot be changed. The snapshot must reside in the same instance as the source database because they share data pages as well as the same buffer cache.

You should consider using snapshots as a reporting solution only if you are also using mirroring; otherwise there is no performance gain for your environment. Database snapshots are possibly the fastest way to preserve data before a questionable operation is run on a system. A database can be reverted back to the state of the snapshot or the data can be pulled out of the snapshot to replace data in the source database.

You'll need to determine a naming standard for the snapshot databases. The standard that I use is originaldatabasename_date_time.snp. It specifies the source database first, then the day and the time (in 24-hour format) that the snapshot was taken.

Log Shipping

Log shipping is a limited high-availability option that utilizes backup and recovery to establish a very inexpensive solution. Log shipping takes advantage of transaction log backups on a scheduled interval to keep a secondary database up to date.

Log shipping in SQL Server 2005 uses wizards to walk through the process of setup, scheduling, initialization, and monitoring (see Figure 5). The process is simple and can be completed in just minutes.

Figure 5 Log shipping setup wizard

Figure 5** Log shipping setup wizard **(Click the image for a larger view)

After the primary database is identified, a schedule is created and the file age determined for backup files. Next, the file shares for the backup files must be established. After the file shares are set up, the secondary database file location needs to be established and the database must be initialized by completing a restore of the primary database. Finally the schedules must be set for the backup file copies and the restores of the transaction log backups along with any alerts or delays needed for each step.

Once setup is complete, log shipping backs up the transaction log of a database on a scheduled basis to a shared network location. After the files are sent to the share, the backup is applied to the secondary database on a set schedule.

Log shipping works well in many situations because of its simplicity. It is a good option for high availability that is inexpensive and can handle a high transaction system. The secondary database that is employed in log shipping can be used in read-only mode, which makes it handy for a reporting database. Log shipping requires minimal overhead but does necessitate an alert policy in case of handling failures.

A couple of things to consider if you're thinking about using log shipping in your environment are its simple setup and management and the fact that it requires little to no specialized skill. Log shipping is not a real-time high availability solution, however, though it can be combined with database mirroring for this purpose. It is limited by schedules as well as the operations such as backups, file copies, and restores. It also requires manual failover. For these reasons, log shipping provides a simple solution for the environment that is not quite as sensitive to time requirements.

SQL Server Clustering

Server clustering works at the OS level and involves duplicate hardware as well as shared disk resources for the cluster to access. Clustering is perhaps the least intrusive to end users, but it is also likely to be the most costly. It requires at least twice the amount of hardware that's needed to run a non-clustered instance.

The topic of clustering is quite involved, so rather than exploring all the details here, I'll give you a general overview. Clustering requires two or more servers, all of which must be installed with the same version of Windows® 2000 Advanced or Datacenter editions, or Windows Server® 2003 Enterprise or Datacenter editions. It also requires the installation of Microsoft® Cluster Services (MSCS) which handles ownership of shared resources between servers and manages IP addresses, shared disks, and network names. Clustering also requires a shared disk resource, usually in the form of a Storage Area Network (SAN) or SCSI attached storage.

A SQL Server instance is also considered a resource and both Standard and Enterprise editions of SQL Server 2005 can be installed in a cluster configuration. See the "Feature Comparison Chart for SQL Server 2005" (microsoft.com/sql/prodinfo/features/compare-features.mspx)for a list of features supported by both editions of SQL Server 2005.

Once the resources are established on the cluster, the secondary node of the cluster keeps in regular communication with the primary node of the cluster through a heartbeat established on a private network between the two nodes of the cluster. The heartbeat is an interval checkpoint that is taken to determine if the primary has failed.

In the case of a failure of the primary, the resources are moved to the secondary node while keeping the state of the logical server in place. This allows the clients to continue to work with only a pause in interaction. The entire failover process can take anywhere from 5 seconds or less to 30 seconds or more in some cases depending on the hardware, software, and networking components involved in the cluster.

Clustering can be an expensive, complex technology requiring specialized skill to resolve failures on the system; however, it provides the smoothest failover for end users of any of the automated failover options. Each application is different and some may not be cluster-aware or compatible, which in a worst-case scenario requires the application to reconnect.

SQL Server 2005 replication can also be used in high-availability architectures. It offers four types of replication: snapshot, transactional, peer-to-peer, and merge. Peer-to-peer is actually just a form of transactional replication so I won't discuss it here.

With replication you get the option of having a secondary site and database for high availability that is every bit as functional as the primary database. This can be achieved using merge replication, which takes transactions from both the primary and the secondary databases and merges the changes from both into one another. As you can guess, a conflict resolution procedure is needed in this configuration.

Transactional replication is very similar in logical design to database mirroring. Transactions that are applied to the primary database are shipped to the secondary database to ensure that the environment remains consistent. Once the transactions arrive they are applied to the secondary database, which then waits for the next transaction to be applied on the system.

Snapshot replication is very similar to log shipping in that they both run in scheduled intervals and update the secondary database in mass change rather than applying each transaction to both systems as they are committed. Both technologies are utilized in much the same manner.

Replication requires specialized knowledge, which is a big concern for environments that don't have a dedicated DBA. Replication can be somewhat complex to troubleshoot and it does require a more involved design if it's to be used as a high-availability option.

Replication can appropriately fill the requirements for a high-availability solution. This technology does what database mirroring can do at a record level using transactional replication but without the option for an automated failover. Assuming you have sufficient resources and a bit of creativity, scripting a solution for an automated failover should not be out of reach.

Unlike database mirroring, both the source and the target databases are fully accessible to client applications. Replication provides the same functionality as log shipping with the use of snapshot replication.

Something to consider, however, is that the replication technology is battle-proven and well documented. Using replication for a high-availability solution has some drawbacks and performance can be a concern, but only as much as database mirroring is. Any high-availability solution you design with replication will most likely have a more complicated architecture to manage; not more advanced necessarily, but definitely more involved. In addition, one of the largest hurdles to consider is that if your database table structure changes or if you want to add a table to be replicated, you must break and redefine the publication for the changes to end up in both databases.

Wrapping It All Up

You can see now how creating a high availability solution for your environment requires a touch of creativity. Each SQL Server 2005 high-availability technology has its strengths and weaknesses and each lends itself to different situations.

Log shipping, snapshot replication and even database mirroring in high-performance mode would be good when geographically separating a primary Web database from the secondary database environments (particularly if they don't require that the secondary data is available in real-time.)

If, on the other hand, there is a secondary database requirement of real-time data, then transactional replication or database mirroring can carry the load if the transaction rates on the primary server are low and the link between the two environment sites is fast and not saturated.

Also consider your comfort level with these technologies. If you have working experience in some of the technologies already, you'll probably be fine. If you are a manager with no dedicated DBA, try to steer clear of the more complex technologies like replication where there are a lot of moving parts and troubleshooting can be complex. You might also consider contracting an experienced SQL Server consultant to help you design, implement and possibly train your staff to manage a new high availability suitable for your environment.

If high-availability in your organization requires only that the data is available a high percentage of the time and data downtime is taken very seriously, then clustering might be the option for you.

The point of all this is that SQL Server 2005 has provided a number of new options for implementing high availability that are tailored to serve different types of environments. A single availability option might fit your needs, or you may choose to take advantage of a combination of technologies, but as you now know, there are a variety of choices that are available to you.

Zach Nichter is a SQL Server professional with over 10 years of experience. He has held a number SQL Server support roles including DBA, team lead, manager, and consultant. Currently Zach is employed by Levi Strauss & Co. as the DBA Architect, focusing on SQL Server performance, monitoring, architecture, and other strategic initiatives.

© 2008 Microsoft Corporation and CMP Media, LLC. All rights reserved; reproduction in part or in whole without permission is prohibited.


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Home » Frequently asked Questions on Health » How can my weight gain be controlled?

How can my weight gain be controlled?

Q: I am a 34 years old female undergoing treatment for endometriosis and Lupron injection is being given to me. My weight has increased in folds. Presently I am 185 lbs and am 5 feet tall. Please suggest me a non-vegetarian diet plan to reduce my weight at least by 70-80 lbs in the next four months. I am planning to join gym from next month but I do walk a lot and do a bit of yoga at home. We have treadmill at home and I also run on it. The gynaecologist told me that my weight gain is probably due to the hormone injected and that I must exercise and follow a diet plan.

A:I am not sure what you current weight is, as you have mentioned 185 lbs in one section and 185 kg in another. However, I am assuming that your current weight is 185 lbs or 83.9 kgs.

As per your stated height and weight (5'1" and 83.9 kgs), your BMI is 35.3 kg/m2, whereas your ideal BMI should be between 18.5-23.0 kg/m2. Try and get back to a BMI of under 23.0 kg/m2. This would mean a target weight of 54-55 kgs and a corresponding weight loss of 30 kilos. An intimidating target but you can do it, though you will have to understand that it will take time.

To give you an idea about the rate at which a person can lose weight: an individual with no health problem, who is also not on any prescription medications can lose about 2 kgs (4.4 lbs) to a maximum of 5 kg (11.1 lbs) in one months time. Hence, your requirement of losing 70-80 lbs in 4 months time (that is a weight loss 20 lbs per month) is not practical and would be difficult to achieve considering your current medical problem.

It will help you better if you try and achieve weight loss gradually. Keep small weight loss goals eg try and lose 5 kgs for starters and once you achieve that, keep another 5 kilos as your target and so on, until you near your target weight. The happiness of achieving these mini-weight loss goals will spur you and motivate you to continue with your weight loss plan.

Its difficult to provide a diet chart to any one without knowing details like their 24-hour dietary recall and additional information like food allergies/intolerances, prescription drugs being consumed, work/home schedule and so on. A diet plan which is very general may not give results as per your requirements. Hence, advise you to consider meeting up with a qualified dietitian in person and start with your weight loss plan.

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Endings are as sacred as beginnings – 8/10/18

Hi All,

It is sad news that I bring to you today. Victor, one of the dogs that we have been taking care of for years, is close to his end time. His Mom, who saved him when no one else would and has cared for him faithfully through some very tough times, has no money. I promised her that the Dotty Fund would pay for his euthanasia and cremation, when the time comes. Unfortunately, I don’t think he has long.

As of late, the Dotty Fund has paid for several spay/neuters, portions of surgeries and lots of miscellaneous medical care. We have not been able to have any fundraisers and consequently, our funds are very low. I am asking for your help in keeping my promise to Victor and his Mom. I think we need to raise about 500.00. If you are able to help, please make checks payable to the Dotty Fund with a note that the donation is for Victor.

Mailing address:

c/o Jane Barbato
69 Melville Road
Huntington Station, NY  11746

If paying through Paypal, please also notate that the funds are for Victor.

Endings are just as sacred as beginnings. I want to give Victor and his Mom the best of endings. Thank you for your time and your generosity, which never ceases to amaze me.

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The gems and jewellery industry has been economically active in India for several thousand years.[187] Until the 18th century, India was the only major reliable source of diamonds.[183] Now, South Africa and Australia are the major sources of diamonds and precious metals, but along with Antwerp, New York, and Ramat Gan, Indian cities such as Surat and Mumbai are the hubs of world's jewellery polishing, cutting, precision finishing, supply and trade. Unlike other centres, the gems and jewellery industry in India is primarily artisan-driven; the sector is manual, highly fragmented, and almost entirely served by family-owned operations.
Real-estate crowdfunding ($9,600 a year): Once I sold my SF rental, it was natural to reinvest some of the proceeds into real-estate crowdfunding to keep sector exposure. I didn't invest a lot in some of my favorite real-estate investment trusts because I felt a rising interest-rate environment would be a stronger headwind for REITs. But if I could be more surgical with my real-estate investments by identifying specific investments in stronger employment-growth markets, I thought I could do better.
I wish I had more time to put into real estate. Given the run up since 2012, I may even be interested in selling my condo that I currently rent out. I need to get it appraised to really see what it’s worth, but I think conservatively it’s gone up ~50%, although rent is probably only up ~10% or so. I am bullish on rents going up in the future… mostly in line with inflation, or perhaps even slightly faster due to constricted credit and personal income growth which should provide a solid supply of renters. At this point, I just don’t want to manage the property. I’ll probably look into a property manager as my time is likely worth turning it into a nearly passive investment.
I’ve read stories about people setting up ad campaigns and making thousands of dollars within a matter of hours. What’s the catch?  The big one is risk.  You’re spending money to make money, so if you turn out to set up a bad ad campaign that doesn’t convert well, you can easily lose lots of money.  That’s been the primary reason I’ve stayed away from this method of making money online.  I’m not going to bother giving advice here, because as I said, this isn’t something I’ve done.  If you’re interested, you can probably find a lot of good information via Google, but watch out – as with any other internet marketing topic, most everyone is going to try to sell you something.
Lending Club is a platform where you can lend your money to other people. You’re the bank. Each note is only $25, so you can invest $1,000 and lend money to 40 people. There are many grades of loan (from safest to riskiest) and investors earn, on average, between 5% and 7% annualized returns. For more information, check out Investing and Making Money with Lending Club Peer-to-Peer Lending and my real money Lending Club Portfolio.
“The biggest surprise is real estate being second to last on my Passive Income Ranking List because I’ve written that real estate is my favorite investment class to build wealth. Real estate doesn’t stack up well against the other passive income sources due to the lack of liquidity and constant maintenance of tenants and property. The returns can be huge due to rising rental income AND principal over time, much like dividend investing. If you are a “proactive passive income earner” like myself, then real estate is great.”
From 2000 to 2010, the country attracted $178 billion as FDI.[307] The inordinately high investment from Mauritius is due to routing of international funds through the country given significant tax advantages – double taxation is avoided due to a tax treaty between India and Mauritius, and Mauritius is a capital gains tax haven, effectively creating a zero-taxation FDI channel.[308] FDI accounted for 2.1% of India's GDP in 2015.[11]
The combination of protectionist, import-substitution, Fabian socialism, and social democratic-inspired policies governed India for sometime after the end of British rule. The economy was then characterised by extensive regulation, protectionism, public ownership of large monopolies, pervasive corruption and slow growth.[55][56][57] Since 1991, continuing economic liberalisation has moved the country towards a market-based economy.[55][56] By 2008, India had established itself as one of the world's faster-growing economies.
Dividend stocks tend to be more mature companies that are past their high growth stage. Utilities, telecoms, and financial sectors tend to make up the majority of dividend paying companies. Tech, Internet, and biotech, on the other hand, tend not to pay any dividends because they are reinvesting most of their retained earnings back into their company for growth.
I have two major dilemmas: (1) Should I wait to start investing (at least until the end of the year where I’ll hopefully have $5k+ in savings) in things like CDs? I ask because a little over $2k doesn’t seem significant enough yet to start putting my money to work (or maybe it is? that’s why I’m coming to you for your advice haha) and (2) I want to invest in things like P2P and stocks but I’m honestly a bit ignorant of how it trully works. I know the basics (high risk, returns can be volatile, returns are taxable). Do you have any advice on how I can best educate myself to start putting my savings to work?
Now, all that said, if capital (savings) grows faster than the growth of the economy, those with savings will see their wealth grow at a faster rate than those who rely on the growth of their income. While this is not an extension of Piketty's argument (you can't take an idea that applies to a population and a whole economy and boil it down to the individual like this), it's not an unreasonable conclusion to take and apply to your own life. (Piketty does talk about this on an individual level, but says it's more impactful for billionaires vs. millionaires – though we have limited data into individuals)
Having discussed why it is important to have a second source of Income, let me now highlight some of the sources of a second income or second income ideas. A second source of Income typically means having regular income from a source other than your primary one. This means, if you belong to a salaried class, you might want an income from some other source and if you are from a business class, you might want an income from some other business. You can be as creative as it gets. Some good sources of Income are highlighted below:

DonebyForty Yes, that makes total sense! I hear you on the savings rate, too. I always figured I lived lean enough (and had enough saved up) that I could handle things even without my main source of income. However, after leaving my job last year and having a tough time with freelancing, I realized not having a job was more of a mental drain than a money one. I like knowing I have control and can call on another source of income and increase it when I need to.
The CPF is designed to assist Ethiopia in forging a more inclusive and sustainable growth path. Particularly, it supports a more spatially inclusive approach to development, one that leverages national programs to provide quality services to all areas. The CPF is helping to promote structural and economic transformation through increased productivity in rural and urban areas by focusing on basic education, access to markets, and job opportunities for youth. It is also helping to build resilience and inclusiveness (including gender equality) by improving safety nets, investing in productive landscapes, and focusing on the Early Years agenda.

I have been using,”multiple streams of income,” as my mantra during this rough patch. Being an interior designer easily translates into designing other things as well. I have been designing jewelry that is customized in price and style for different stores. I also opened an Etsy shop for my jewelry and for vintage items that I find in my treasure hunting for clients.I am bringing in an extra $1500-$3000 a month, and I am having fun! My first passion is always going to be interior design, and I am thankful for the clients I have!
He makes a strong case for network marketing and offers the difference between investing in say a franchise for hundreds of thousands as opposed to starting your own network marketing business, which is much like a franchise with a proven system only you can start with literally nothing down and use the leverage of people. Similiar concept as real estate with some of the advantages of franchising. No capital investment with huge returns.
A few people who started their own YouTube channel when the video-sharing site was in its nascent stage are now millionaires. Now that YouTube has become immensely popular with hordes of people running their own channels, making a million dollars is considerably more difficult, but earning a respectable sum of money is still possible. As always, you'll need to find a niche that isn't yet saturated and focus on making engaging videos around it. Once you start raking up views and subscriptions, the money will start flowing in with minimum effort on your part.
P2P lending started in San Francisco with Lending Club in mid-2000. The idea of peer-to-peer lending is to disintermediate banks and help denied borrowers get loans at potentially lower rates compared to the rates of larger financial institutions. What was once a very nascent industry has now grown into a multi-billion dollar business with full regulation.
Sam…just read this article and I want to say that this is the best posting on passive income I have ever read…in a blog, article, or book. Thanks for making a difference and being an inspiration as to how it can all be accomplished. One of the great benefits of the internet is that people are willing to share their stories and experiences with each other online. If we had this when I was working professionally (20-40 years ago), it would have saved me from making some rather poor financial decisions that affected my retirement income. In a way, the internet is making up for the loss of financial security in the loss of The Defined Benefit Plan for retirement. Bravo!
Income inequality refers to the extent to which income is distributed in an uneven manner. It can be measured by various methods, including the Lorenz curve and the Gini coefficient. Economists generally agree that certain amounts of inequality are necessary and desirable but that excessive inequality leads to efficiency problems and social injustice.[3]
If you’re a YouTube personality, this is how you generate your income. An amazing example of this how Antonio Centeno got 1 million YouTube subscribers. If you’re a blogger who gets a lot of traffic to your site and uses advertising or sponsorships, then you’re also following the AA Model. Got a podcast with sponsorships? Same deal. I talk about successful podcast sponsorships and other ways to make money podcasting here:
I’m still a big fan of InfoBarrel, Eric, even though I haven’t been able to write much. With what I am earning there, I’ve actually shifted to outsourcing quite a bit of content…call it a “respite” from writing, I had just needed a break. Even if one pays $5-$10 per article, IF the keywords are researched properly and effectively, one can easily turn that one article and earn several hundred off of it in it’s lifetime. Right now, one of my friends had written a single article that, already this month, has earned over $83 on InfoBarrel. Not too shabby at all…
The owner of this website, Eric, is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking http://www.my4hrworkweek.com to Amazon properties including, but not limited to, amazon.com, endless.com, myhabit.com, smallparts.com, or amazonwireless.com.
"For long-term savings, investing in low-cost index funds is the ultimate passive strategy," Goudreau says. "As legendary investor Warren Buffett recently told CNBC’s On the Money, 'Consistently buy an S&P 500 low-cost index fund. I think it's the thing that makes the most sense practically of all time.' By not picking individual stocks and, instead, buying a low-cost fund that tracks the market, you pay less in fees and take less of a risk. Then you can sit back and watch your money grow over time."
Taking Paid Surveys at Home: I was skeptical, at first, until my 17 year old son starting making money at home taking paid surveys. Companies desperately want your opinion, and they are willing to pay for it. The trick, of course, is knowing where to find the paid surveys that pay the best. One of the most popular and legitimate survey sites is Swagbucks. Not only can you make money taking surveys, but you can also make money by watching videos and even surfing the net. They also offer significant cash back for online shopping.
Now, all that said, if capital (savings) grows faster than the growth of the economy, those with savings will see their wealth grow at a faster rate than those who rely on the growth of their income. While this is not an extension of Piketty's argument (you can't take an idea that applies to a population and a whole economy and boil it down to the individual like this), it's not an unreasonable conclusion to take and apply to your own life. (Piketty does talk about this on an individual level, but says it's more impactful for billionaires vs. millionaires – though we have limited data into individuals)
According to 2011 census data, India has about 330 million houses and 247 million households. The household size in India has dropped in recent years, the 2011 census reporting 50% of households have four or fewer members, with an average 4.8 members per household including surviving grandparents.[331][332] These households produced a GDP of about $1.7 trillion.[333] Consumption patterns note: approximately 67% of households use firewood, crop residue or cow-dung cakes for cooking purposes; 53% do not have sanitation or drainage facilities on premises; 83% have water supply within their premises or 100 metres (330 ft) from their house in urban areas and 500 metres (1,600 ft) from the house in rural areas; 67% of the households have access to electricity; 63% of households have landline or mobile telephone service; 43% have a television; 26% have either a two- or four-wheel motor vehicle. Compared to 2001, these income and consumption trends represent moderate to significant improvements.[331] One report in 2010 claimed that high-income households outnumber low-income households.[334]
From reportable Connecticut Lottery Winnings. Winnings from the Connecticut Lottery, including Powerball, are reportable if the winner was issued a federal Form W-2G by the Connecticut Lottery Corporation. In general, the Connecticut Lottery Corporation is required to issue a federal Form W-2G to a winner if the Connecticut Lottery winnings, including Powerball, are $600 or more and at least 300 times the amount of the wager.  See Informational Publication 2011(38), Connecticut Income Tax Treatment of State Lottery Winnings Received by Residents and Nonresidents of Connecticut
If you want to really start tracking your finances, and I mean not just your spending but your investing (that's where wealth is built), give Personal Capital a look. They will give you a $20 Amazon gift card if you link up an investment account that has $1,000+. No strings. It's a cornerstone of my financial system and I think you owe yourself a look. 100% free too.


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Jenna Gorham Nutrition and Sola Café present: Protein 101

Sola Cafe - 290 W. Kagy Blvd

Upcoming Dates & Times

Monday, October 30, 2017 at 10:30am - 11:30am

Nutrition Myth Busters: Everything you need to know about Carbs, Protein, & Fat

Protein 101: What You’ll Learn:

The role protein plays in the body – post workout and more

How to calculate how much protein you need each day

Find out if you should really be drinking protein shakes

Where to find meatless sources of protein

There’s a lot of information out there about what you should and shouldn’t eat. Join Jenna, a registered dietitian nutritionist, for a quick morning get-together to discuss the facts about carbs, proteins, and fats. Get your nutrition questions answered, meet other like-minded locals, and try some healthy snacks at Sola Café.

Classes will be held on the first three Saturdays in November at 10:30am at Sola Café. Classes are free to attend. They will be casual, informational, and last about 45 minutes.

Space is limited, please RSVP to reserve your spot.


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Non-Motorized Transportation Moves Forward…Downtown

Bill Steve Ross.jpgI was walking across Bridge Square on my way to the post office the other afternoon when I heard someone calling out my name.

It was Bruce Anderson (the photographer for this picture), along with Bill Ostrem, and some guy in a bike suit signed by Lance Armstrong (no kidding).

The mystery guy was Steve Rusk. He is the chair of Edina’s Non-Motorized Transportation Task Force (or whatever they call it up there). Steve was in town to meet with the Northfield group to discuss lessons they’ve learned in that community to our northwest. Edina also has an authentic downtown surrounded by historic residential neighborhoods, so I’m sure they’ve had some experiences worth considering.

Bill told me that he’s going to blog about it as soon as he and Neil Lutsky get back from the gathering of state bicycle leaders.


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nettle-leafMany people know “Stinging Nettle” as an annoying garden weed that delivers a painful bite. However, nettle is far, far more than a nuisance! The nettle plant as a whole- roots, stem, and leaves, has been examined by some of the world’s leading research institutions and found to have many powerful, positive benefits to offer the human body.

What Compounds Does Nettle Contain?

Prostrex™ is a vegan-friendly, herbal supplement blend that helps to promote prostate health, support prostate balance, and encourage normal urine flow.
The plant is comprised mainly of complex sugars and lectins. Nettle contains prostaglandins which have properties that support resistance to redness and irritation. Nettle leaf also contains high levels of protein, calcium, phosphorus, iron, magnesium, and beta-carotene and high amounts of the vitamins A, C, D, and B complex.

The Health Benefits of Organic Nettle Leaf

Nettle has been evaluated for antioxidant activity, its resistance to microorganisms, and other common, as well as serious, health ailments. The Department of Nutritional Sciences & Toxicology, University of California, Berkeley evaluated separate components of the nettle plant (roots, stalk, leaves) and discovered overall potent nutraceutical activity throughout. [1]

Università di Pisa in Italy determined further evidence of the benefits of nettle by concluding that nettle had a relaxing effect that produced a decrease in blood pressure. [2]

Relation to Defense Against Microorganisms

Research conducted at Turkey’s Institute of Transplantation and Gene Sciences of Baskent University performed a study designed to evaluate harmful organism toxicity in several plant extracts, including stinging nettle. Results indicated high activity in the nettle extract and even suggested it to be an extract of importance to the agricultural industry in a plant disease control capacity. What opportunities has that opened to organic farmers? [3] This is not much surprise, nettle has repeatedly proven effective as a defense against microorganisms. A Netherlands study found significant activity against harmful organisms within nettle extract and noted it may be beneficial for some instances of diarrhea. [4]

Research conducted at Abant Izzet Baysal University in Turkey evaluated nettle against six common harmful organisms. Nettle leaf extract showed the highest inhibitory effects against three of the six organisms. [5] The Institute for Vaccines and Sera in Russia also evaluated the efficacy of herbs against microorganisms and found nettle to be effective. [6
Prostrex™ is a vegan-friendly, herbal supplement blend that helps to promote prostate health, support prostate balance, and encourage normal urine flow.

Impact on Prostate Health

Germany has a cultural tradition of addressing incidences of enlarged prostate with herbal therapies. Germany’s Universitätsklinik Essen formally evaluated the efficacy of nettle root extract and found the antiphlogistic and antiproliferative effects of the stinging nettle extract to provide a safe therapeutic option for enlarged prostate. [7]

Research conducted by Philipps-Universität in Germany also found significant activity when evaluating the effect of nettle root extract on enlarged prostate. [8] Furthermore, the Department of Anatomy and Cell Biology at Philipps-Universität indicated research suggests nettle root extract to hold compounds that would be of interest for those researching prostate health. [9]

Recent Developments

Kynurenic acid is a substance that’s gotten attention recently due to exhibiting positive cognitive benefits in mice. [10] The Institute of Agricultural Medicine in Lublin, Poland evaluated various herbs for kynurenic acid. Nettle leaf was tested and KYNA was found present. KYNA has been generating interest due to proposed neuroactive activity that may be beneficial in certain neurobiological disorders. [11]

by Dr. Edward Group DC, NP, DACBN, DCBCN, DABFM

Source: The Benefits of Stinging Nettle

References (11)
  1. Johnson TA, Sohn J, Inman WD, Bjeldanes LF, Rayburn K. Lipophilic stinging nettle extracts possess potent anti-inflammatory activity, are not cytotoxic and may be superior to traditional tinctures for treating inflammatory disorders. Phytomedicine. 2013 Jan 15;20(2):143-7. doi: 10.1016/j.phymed.2012.09.016. Epub 2012 Oct 23.
  2. Testai L, Chericoni S, Calderone V, Nencioni G, Nieri P, Morelli I, Martinotti E. Cardiovascular effects of Urtica dioica L. (Urticaceae) roots extracts: in vitro and in vivo pharmacological studies. J Ethnopharmacol. 2002 Jun;81(1):105-9.
  3. Körpe DA, Işerı OD, Sahin FI, Cabi E, Haberal M. High-antibacterial activity of Urtica spp. seed extracts on food and plant pathogenic bacteria. Int J Food Sci Nutr. 2013 May;64(3):355-62. doi: 10.3109/09637486.2012.734290. Epub 2012 Oct 16.
  4. Knipping K, Garssen J, van’t Land B. An evaluation of the inhibitory effects against rotavirus infection of edible plant extracts. Virol J. 2012 Jul 26;9:137. doi: 10.1186/1743-422X-9-137.
  5. Turker AU, Usta C. Biological screening of some Turkish medicinal plant extracts for antimicrobial and toxicity activities. Nat Prod Res. 2008 Jan 20;22(2):136-46.
  6. Baronets NG, Adlova GP, Mel’nikova VA. [Effect of medicinal plant extracts on the growth of microorganisms]. Zh Mikrobiol Epidemiol Immunobiol. 2001 Sep-Oct;(5):71-2. Russian.
  7. Schneider T, Rübben H. [Stinging nettle root extract (Bazoton-uno) in long term treatment of benign prostatic syndrome (BPS). Results of a randomized, double-blind, placebo controlled multicenter study after 12 months]. Urologe A. 2004 Mar;43(3):302-6. German.
  8. Lichius JJ, Lenz C, Lindemann P, Müller HH, Aumüller G, Konrad L. Antiproliferative effect of a polysaccharide fraction of a 20% methanolic extract of stinging nettle roots upon epithelial cells of the human prostate (LNCaP). Pharmazie. 1999 Oct;54(10):768-71.
  9. Konrad L, Müller HH, Lenz C, Laubinger H, Aumüller G, Lichius JJ. Antiproliferative effect on human prostate cancer cells by a stinging nettle root (Urtica dioica) extract. Planta Med. 2000 Feb;66(1):44-7.
  10. Potter MC, Elmer GI, Bergeron R, Albuquerque EX, Guidetti P, Wu HQ, Schwarcz R. Reduction of endogenous kynurenic acid formation enhances extracellular glutamate, hippocampal plasticity, and cognitive behavior. Neuropsychopharmacology. 2010 Jul;35(8):1734-42. doi: 10.1038/npp.2010.39. Epub 2010 Mar 24.
  11. Turski MP, Turska M, Zgrajka W, Bartnik M, Kocki T, Turski WA. Distribution, synthesis, and absorption of kynurenic acid in plants. Planta Med. 2011 May;77(8):858-64. doi: 10.1055/s-0030-1250604. Epub 2010 Dec 14.

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"The main purpose of meditation is to remove your attention from the environment, your body, and the passage of time so that what you intend, what you think, becomes your focus instead of these externals. You can then change your internal state independent of the outside world"

- Dr.Joe Dispenza

Latest Event News and Information

Please Bookmark This Page.

We will regularly update this page with important information regarding how to prepare for your event with Dr. Joe. We will also notify you by email of any changes and post them here. At the end of your event, we will post the music and meditations along with any resources that Dr. Joe shared with you during the workshop.

The Spencer on the Byron Hotel
9-17 Byron Ave, Takapuna Beach
Auckland 0622
New Zealand

The Workshop
6:00 pm - 7:00 pm Friday: Registration
7:00 pm - 9:00 pm Friday: Workshop
9:00 am - 6:00 pm Saturday: Workshop
8:30 am - 6:30 pm Sunday: Workshop

Please note that once a meditation is started there will be no admittance into the room. Furthermore, if you need to leave a meditation at any time, for any reason, you will not be able to re-enter the room. We understand emergencies happen, but we cannot disrupt the group. Please try to use the bathroom well beforehand and/or at breaks.

Workshop Pre-requisites
Prior to the workshop participants are encouraged to view the Online Intensive Workshop Video. Access to the video is provided via email on registration for the workshop. If you have not received your access information or require additional assistance with viewing the video, please email:

Dr. Joe also requests that all participants read Breaking the Habit of Being Yourself and begin practicing the accompanying meditations.

Reserved seats are not provided. Every morning each participant chooses their seat for the current day. At the end of each day, you will be asked to remove your belongings. Anything left will go to the Lost & Found.

What I might need?
• Journal, Note Pad and Pens
• Pillow, Blanket and/or Towel – if you would like to sit on the floor for mental rehearsals/meditations
• Eye Shade – if you would like to block out the light during the mental rehearsals/meditations

Stay Connected!
7- 10 days after the event we will add the following resources to this page: Music Track links to purchase from Amazon of all the music that Dr Joe used, Video links for the inspirational videos shown by Dr Joe, Advanced Workshop & other Event Info, Product Info, Facebook Page, Student Forum, NCS info, etc.

• Please turn off your cell phones during the entire event!
• No recording, per our publisher’s request. If we find anyone recording during the workshop, we will nicely ask you to discontinue recording and delete any files.
• Temperature: We do our best to keep the room comfortable, so if today is too cold for you, prepare for tomorrow by dressing in layers or bring a blanket.
• For the comfort of your fellow students, we ask you to please refrain from wearing strong colognes deodorants, lotions, essential oils, or perfumes while at the workshop.
• Music: Dr Joe likes to use music to fill the space during meditations so that you can go deeper. If you have any sensitivity to sound, please move away from the speakers.
• If you need any assistance please find a staff member.
• We will have a Lost & Found at the event should any of your items go missing.

We encourage you to take photos before and after the workshop and during breaks to share with family and friends and as a reminder of your workshop experience. When posting to Social Media, please use the Hashtags: #drjoe, #drjoedispenza or #whereintheworldisdrjoe. Please note however that photo, video, & audio recordings during the workshop and of Dr. Joe's slides, visual presentation, whiteboards and banners on the wall is strictly forbidden.

Product Store
The Product Store will be open during certain times throughout the event. You will be notified of the exact store hours at the workshop.

Contact Us

Here you will find the music and meditations that were played at your workshop. The music is available for purchase. The meditations are also available for purchase but may contain different music than what was played at your workshop due to music licensing rights.
* The meditations marked with an asterik have breathing exercises.

Heart Lock-in: Cosmic Consciousness by Barry Goldstein
Demonstration: Enae Volare Mezzo by Era

For addtional meditations, music, books and more, please visit our store: click here

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Most Unionville dumpster rental companies will take care of securing this permit for you if you rent from them. Make sure that if you’re planning to put the dumpster on the street, the company has made the appropriate arrangements. You should also ensure that you get the permit in a timely manner and at the correct cost. If you thought the dumpster company was getting a permit and they did not, you will be the one who will have to pay the fine that is issued by the authorities.

Returning a house to Livable Following an Eviction in Unionville, TN

Maybe you are redecorating your child's sleeping quarters now that he or she is a little older and desires a more arranged bedroom. You might want to add inbuilt shelves in addition to a built in pc desk or maybe entire surfaces. New rug or wood flooring may be with your agenda too. You will have to engage a contractor to rip out the previous carpeting along with install the newest carpeting. You simply must rent a dumpster to eliminate all the previous carpeting along with debris.

This could seem like a large step, in case you're genuinely committed to sorting through your whole property, or even your current garage or maybe basement, you're going to find that you have got a LOT of trash lying around. Some people feel embarrassed or maybe worried about putting too much trash out because of their weekly pick up, and this turns into an excuse not receiving the useless out of your home. Get around the reasons by renting a dumpster from a reputable company.

However, there are several duplicate, unscrupulous useless removal companies out there in which dump products illegally. Make sure you find a useless removal company that has a traceable target and notable advertising in order to avoid problems.

You might save pennies here, but it calls for significant sum of money for being spent on your well being issues inside your near future mainly because disposing this sort of huge squander on self applied involves many effort, physical exertion and period investment too. Apart from this particular you need to target transportation complexities and the environmental friendly recycle of disposed waste should you be person who areas social issues of your land. Construction squander is always within huge levels and uses up a lot of space. Daring to clear development waste about self not simply consumes your efforts but uses up your no cost space for a longer time period of time.

Whether or not your storage area is stuffed with old household furniture and accrued rubbish or you desire help with development debris or maybe estate cleanups, gathering along with hauling off that useless can be a massive job. However, you don't have to do it yourself! There are several unique solutions on the market to help you with waste removal of all sizes.

If you have received twins or maybe triplets you may need to redecorate your kid's bed rooms. You need to be capable of make use of the room you have because efficient as it can be. A development employee as well as interior designer can give you ideas on how to accomplish this. When the work gets under way you will need to rent a dumpster. Find a company that will give out what size of any dumpster you will need. You don't wish to pay for a sizable dumpster when you solely needed a tiny dumpster or a channel dumpster. Save your funds when you can.

Improve the look of your development job having 15 Yard Dumpster in Unionville, TN Jacksonville and you'll see that disposing waste along with keeping your encompassing clean is created fast along with efficient. Indeed, every home building project requires a heap of trash along with rubble. For a help of a 15 Yard Dumpster in Unionville, TN, you can keep your hard work orderly plus your home clean. You dont have for making your remodelling project resemble a demolition job. You may achieve a ideal cleanup having proper trash removal at home premises.

Dumpster Rental Guidelines and proposals in Unionville

With more comfortable weather not far off, many homeowners are seeking ahead in order to spring destruction projects. As you grow outside to generate some severe property enhancements, count on the at-home trash hauler for cost-effective demolition companies. From dumping old, dilapidated fences and outdoor storage sheds to carting off patio decking and Jacuzzi tubs, an area junk hauling business can really be especially useful. Some rubbish and rubbish treatment services will likely arrange to get and remove any unwanted vehicles without asking you a one dime. about free car hauling service after you call.

The volume of waste materials will certainly decide the dimensions of dumpster. Choosing the best dumpster for your garbage disposal will help you with filling up the many trash and also transferring through your location with one go. You can find many 15 Yard Dumpster in Unionville service providers close by your home to handle trash successfully.

In most locations there is a limit to the volume of trash being put to the actual curbside and is commonly picked up only once or twice per week. Many small businesses such as restaurants, smaller office buildings or maybe apartment processes do not want to hold the eyesore of countless disposal packing containers sitting in front of the website. Dumpster rentals are a fantastic choice in such cases. The dumpster can be placed towards the returning of the constructing, to the side or maybe most just about anywhere out of eyesight. The one thing to remember is that the 15 Yard Dumpster in Unionville corporation will need to have entry via a roadway or driveway to pick up and also unload the actual dumpster.

In the aftermath of finding comfort eco-friendly environment, more and more people are now realizing the benefit recycling the actual generated trash in eco-friendly method. The trash developed on specified projects like construction and also house renovation is huge and also bulky. Taking a decision in order to dispose most of these huge tons of trash in self could leave you with incidents due to deficiency of professionalism with handling task. when you decide in order to dispose the actual generated trash in environmental friendly method in Kansas, it is should for you to go with 15 Yard Dumpster in Unionville Kansas.

Dumpster snorkeling is a phrase to describe undergoing trash cups for 'treasures'. While it may sound bad to some of yourself it's actually very exciting and can allow you to be a lot of money.

Have you any idea local requirements and laws for dumping all of the rubbish cleaned out in your home or industrial space? If you do not, and you keep your refrigerator or damaged TV with the wrong location, you might get penalized. experts are usually trained in rubbish disposal. Whether or not help you load the truck or simply pick up the actual dumpster you rental, they'll know the proper last resting spot for each item. In some cases, that can indicate a monetary gift center or maybe a recycling facility--your trash might be somebody else's treasure! But that is not the only benefit of working with rubbish haulers. You'll also conserve all of the time it could take you to drive items to the actual landfill or maybe recycling core yourself. Instead, you'll be able to breathe a sigh of relief in the event the truck or maybe dumpster pulls aside, knowing that your projects is done.

Rent a Dumpster Whenever Remodeling Youngster's Bedrooms in Unionville, TN

Another thing to remember when loading up any dumpster rentals, is that regardless how much living space may remain in the trash can, if you are running it up along with heavy product you have to end up being extremely cautious to not check out the specified pounds limits. Just like you do, it will not only cause trouble when it comes to the particular rental company seeking to take the box away, nevertheless it can also guide to you having to pay yet another charge consequently.

Why are these types of services beneficial for you actually? Be it upgrading your home or maybe constructing a fresh one, you just have a great deal to do in addition to disposing of which trash at the conclusion of the day. You've to take charge in the interior, portray, dcor, having an experienced caterer in a social gathering. It really is a full time job. You can even go with these services if you wish to conveniently eliminate the trash your barbecue social gathering left behind.

There are several sizes involving dumpsters available to remove huge tonnage involving trash. Sizes of dumpster are 3-5 yard, 6-8 yard, 10-15 yard, Something like 20 yard, 40 yard, and in addition 40 yard dumpster. The customers possess the flexibility to result in the choice keeping that in mind.

Whenever you proceed, you suddenly discover the amount of junk along with clutter you would probably been trying to keep around in your own home. There's no need to group that rubbish and take it together with you. Renting the dumpster before you proceed lets you eliminate the garbage while you group, and it will give you the ease of getting all of the rubbish get delivered away immediately.

Having a 15 Yard Dumpster in Unionville, TN to get rid of harmful waste products is a simple but extremely effective methods of eradicating undesired substances with the general dining area. The need to be thrifty in the ways we dispose of waste products are so broadly sought after from the general public of which even the United states of america Government offers substantial advantages to tax payers that recycle. Everyone is seeing the nice thing about doing operator as it features to do with throw away management. Let's suppose there were very difficult ways to get rid of waste materials in the neighborhood, community, city, etcetera.

Not any homeowner or structure project will be aware of the right industry that will recycle the trash in an powerful manner or maybe have enough time to result in the trash achieve the industrialist. Disposing the trash to the right location is just a mouse click away. You'll find number of 15 Yard Dumpster in Unionville, TN corporations available online to cope with the task available for you.

As a specialist, you must establish strong operating relationships to make sure that your needs are met. You wouldn't like an untrustworthy service that may end up costing you in the long run. You need someone you are able to count on. Fostering a strong reference to different spouses, especially the 15 Yard Dumpster in Unionville, TN company, implies that you can rely on these people to be generally there on time when the project commences. You don't have to concern yourself with your job becoming held up as the dumpster didn't show, thus keeping the project upon its time kitchen table.

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Live Video: 98 Mute reunion at the Hollywood Palladium

Long-defunct hardcore punk act 98 Mute got back together for at least one show last Friday (March 11th) at the Hollywood Palladium, where they opened for Pennywise. Footage from that concert, uploaded by Felony Records, can be viewed below.

It is not known if there will be more 98 Mute shows in the future, or if the Palladium appearance was a one-off, but we’ll keep you posted as more details on the reunion come to light. The band broke up in 2002 after a nine year run, which spanned four studio albums and tours with notable bands such as Pennywise, The Offspring and Blink-182.

Add 98 Mute to My Radar   Add to My Radar

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Isn’t it time to offer customers windows and doors they can actually get excited about?

Now you can offer customers affordable windows and doors with a recognized symbol of trust: The Good Housekeeping Seal. You’ll also have the distinction of offering the only windows and doors custom made for your customers’ local climate. These are exceptional benefits for the homeowner!

Earthwise windows and patio doors are available in an array of colors, shapes, grid patterns and hardware options. And customers will find their investment reduces energy costs and improves the value of their home. But most importantly, you’ll be giving them products guaranteed for a lifetime of worry-free performance.

With so many ways to excite today’s educated consumer, no wonder the Earthwise Group has doubled in size over the past five years!

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Animal Food and Drug Good Manufacturing Practice Regulation Audits

Good Manufacturing Practices are critical to the safety of CVM regulated products. Those who participate in the Manufacturing, Packaging, Labeling or Holding Operations for these products must follow certain practices to ensure quality.

GMPs are a system of procedures and documentation, written or analytical, to ensure the product produced has the identity, strength, quality, and purity which it purports or is represented to possess. Firms must maintain appropriate operating procedures and records for the running of the physical plants and grounds, equipment and utensils, various production process control systems as well as holding and distribution and handle customer complaints and more. Sanitation, pest control, employee training, and supervision are also covered under GMPs.

EAS Consulting Group, LLC. assists clients with compliance with the GMP regulations as well as conducting mock FDA audits. Our team of expert GMP regulatory consultants can conduct a thorough facility inspection and provide clients with a summary of necessary improvements and help to develop an action plan for any areas where FDA compliance is lacking. Finally, EAS can provide detailed GMP training to management and staff as required by the regulations.


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Recognition and Coping

“It is a happy faculty of the mind to slough that which conscience refuses to assimilate.”

 ― William Faulkner, Light in August

A few weeks ago I posted about losing my grandfather and how it feels like a loss piles on top of all the others, every time, so that for a little while it’s overwhelming. The clarity with which I cope directly relates to how long I have to do so – how long I have to be in ‘coping’ mode vs. ‘living’ mode. Being able to take a step back and look at myself and my actions from a detached perspective is the only thing that allows me to be aware of how I’m feeling sometimes. For example: Let’s say I notice that I’m short-tempered at the office one day. That might mean nothing – might be a bad day. But if I step back and notice that, all right, I haven’t been eating well, my sleep is erratic, I’m not getting as much done at night as I usually do, or whatever the signs are, then I can make a concerted effort to take care of myself and be conscientious about how I’m living, rather than just rolling with whatever comes my way. I want that. I want to be as aware and conscious as possible. If I hurt someone’s feelings, it shouldn’t be because I wasn’t paying attention. (It should be because…I’m a dick?)

That’s the core of it, actually: because I don’t give a lot of thought to other people, I assume they’re not giving a lot of thought to me. This is why it throws me off when it turns out that I’m devilishly wrong. When I was in, er, early high school – whatever that is – ? Grade 7-8? I was meandering through school in a state of blissful ignorance, neither having nor missing friends, happy with my books and my school work and my family. And assuming everyone else was kind of doing the same thing. Turns out: Nope! Those years are some kind of social primer, and everyone else was busily forming creepy little pre-teen wolf packs and preying on the weak. Which I didn’t notice, until I did, and I realized that I didn’t have friends because I was the weird kid and everyone hates the weird kid.

That moment, the moment of shift between “I’m just wandering along, nobody’s bothered by me, lalalalaaaaa,” and “I am in a school full of hormonal teen wolves who have decided to pick on me”? That. Moment. Blows.

All of a sudden, you can’t trust yourself. You can’t trust your perceptions. And if you’ve been wrong about so much for so long, what else could you be wrong about? That teacher that seems to like you? She probably makes fun of you every day in the staff lounge. Oh, you have a pen pal? It’s probably someone in prison who makes creepy wallpaper out of your letters.

Well. Anyway. You get the point. Cognitive dissonance, kids: more than just buzzwords.

Obviously, it all worked out. I actually got a couple of lovely Facebook messages from the horrid wolves when I was in my early 20s, apologizing for being horrible crazy children. To which I can only think: But you were children.  That’s the thing. You can’t even be tried as an adult for criminal activities, let alone perfectly normal pre-teen asshattery. It doesn’t mean it didn’t suck. It does mean that I’m largely over it.

Every now and then, I have a moment of dissonance. I believe myself to be a certain way, a certain person, and a conversation or (as inspired this post) a self-assessment will point out that I’m wrong. And it happens again: the weird, falling-into-a-tunnel-a-la-Jerry-O’Connell-in-Sliders feeling, the shift of the world around me from a friendly place to an unsure one, the realization that the way I think and the amount of thought I give to others isn’t necessarily the industry standard. And this is the amazing thing: my body remembers. It remembers every other time this has happened. It can call up all the same feelings, and all the same doubts. If I didn’t have the tools that I have and, frankly, self-esteem that you could bounce rocks off of 98% of the time, I don’t know how I’d cope. I think this is a large part of what depression feeds on: doubt. Everyone probably hates you. You think they don’t, but you’ve been wrong before. You’re always wrong.

Fucking gremlins, is all I have to say to that.

What I’m learning now is that every time an event brings up all of my past grief or moments of dissonance or whatever it may be, that’s kind of a gift. The human brain is designed to make connections; that’s pretty much what it’s good at. A smell reminds you of a day, the day connects to a feeling, the feeling connects to muscles and the muscles make a smile. A moment of dissonance connects to all the others in your past, which gives you options: you can give in to the gremlins – who are ALWAYS wrong, the dicks – or you can take that opportunity to process what you went through, to learn what you can, and to apply it to what’s happening in the here and now.

Everything that sucks in my life gives me a way to be a better person.

How annoying is that?

**A note: I think true cognitive dissonance causes a fractured psyche, is a major event, and can land people in serious facilities where they spend many years trying to reconcile real life with their internal lives. I don’t mean that. I mean the pop-psych version of the term, which I am not proud of myself for using in this way, but I don’t know what else to call it. And so I’m doing it anyway. (Being a dick on purpose! Ten points!)


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CALS Week activities run April 10-19

It’s called CALS Week, but this series of student-organized stretches through two weekends. Here’s the schedule:

  • Thursday, April 10th — CALS and Friends blood drive, Upper Carson’s Gulley, 12-5 p.m.
  • Friday evening through Saturday morning, April 11-12th. — Relay for Life service project. (Organizations must register their teams on the Relay for Life website and pay the registation fee.
  • Sunday, April 13th — AWA’s Breakfast on the Farm, Stock Pavilion Grounds
  • Monday, April 14th — CALS Volleyball Tournament 7 p.m. Natatorium
  • Tuesday, April 15th — CALS Day for Kids 8 a.m.-5 p.m.
  • Wednesday, April 16th — CALS Study Social. First floor, Steenbock Library 6-9 p.m. Cookies and milk provided.
  • Thursday April 17th — CALS Olympics, Jorns Courtyard, 5 p.m.
  • Saturday, April 19th — CALS Research Symposium hosted by CHARS. Noon to 5 p.m. in the Microbial Sciences Building.

Points are award to participants in each event, and at the end of the week, trophies are awarded for both CALS Olympics and CALS Week.

For more information: contact Laura Anne Klein, CALS Week Committee Chair,

This entry was posted in Teaching & Advising by jsindelar. Bookmark the permalink.


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The Mobile Mainstream

posted by Collin Canright on January 25, 2018 - 9:25am

"Changing consumer preferences and behaviors are focused on ease of use, convenience, and immediacy of payment that can be obtained through the mobile channel," reports the Federal Reserve Bank of Boston in its most recent mobile payments study.

Yet the mobile experience in the mainstream of U.S. commerce hardly meets that ideal.

"Mobile banking is now considered mainstream in the U.S. Most FIs view it as part of their core business strategy and an important customer service channel." Indeed, the survey shows that 89% of financial institutions offer mobile banking.

Mobile payments remain far less than mainstream. "Most FI respondents have yet to offer mobile payment services," the Boston Fed study shows. "On a consolidated basis, just 24% (of responding respondents) on average indicated that they offered or supported mobile payments." Some 44% plan to, mostly in reaction to competition from other financial institutions.

The latest research from Cornerstone Advisors sounds a similarly downbeat tone for the mainstream state of mobile financial services, showing adoption of mobile banking itself at only 26% at mid-sized banks.

Online banking doesn't fare much better, for that matter. The Cornerstone survey reports that "just 51% of mid-size banks' checking account holders banked online in 2017, and only 11% paid bills online through their banks."

The U.S. mainstream doesn't seem to care much for mobile or online financial services. In 2016, when the FRB Boston survey went out, market-research firm eMarketer reported that branded mobile-wallet usage was low, growing fast, but still far from mass adoption. Fewer than 20% of consumers used their mobile devices to make payments at the point of sale. Mobile P2P payments showed the fastest growth, led by the youngest consumers.

FRB Boston's conclusions follow along the same lines. "Consumer expectations for the mobile/digital channels are expanding as new use cases evolve. . . . The convergence of payment channels is blurring the lines between ecommerce, mobile, and physical retail environments," with merchants making it easier for consumers to shop and pay with their mobile devices over online channels.

Given that the resulting payment transactions simply end up as credit- and debit-card transactions, which an update to the Fed's recent payment study shows are the fastest-growing transactions, it may not matter. The cash comes in, and the fees are collected.

Still, the mobile payment experience in China (see the first link below) suggests that a more convenient option, when it arrives, will change consumer preferences and behaviors. Just like the Federal Reserve Bank of Boston says.

The cashless society has arrived - only it's in China

The story is China, where mobile payments rule, is not encouraging for financial institutions, where Alibaba Group Holding Ltd. and Tencent Holdings Ltd. are "changing how people shop, borrow - even panhandle" and taking a growing role in daily commerce at the expense of banks, according to the Wall Street Journal. "Their success offers a glimpse of a future where technology firms drive innovations in finance just as they have in retailing, autos and the media," reports Alyssa Abkowitz.

10 banking channel metrics that have dramatically changed in 10 years

The mobile and online banking statics reported at the top of this issue come from the annual Cornerstone Advisors channel research study. The other channel stats are equally enlightening.

Citi wants you to help shape digital banking

Bank data is locked up pretty tightly in the vault. In Europe, PSD2 regulations are in effect to give the combo to third-party competitors. Here in the United States, we have some initial calls from regulators to open it up. Now Citibank is testing a feature that would "give you a full picture of your financial health," writes Bankrate's Robert Bara. "Citi’s initiative is not a trivial move, because until now banks have tended to take a head-in-the-sand approach to the customer’s relationships with other financial players."

Institutional Investor names its Fintech Finance 40

Here are the investment bankers who made Institutional Investor's 2017 Fintech Finance 40 ranking. These finance leader are "helping to move innovative ideas from the laboratory to commercial viability."

CBInsights names its FinTech 250 for 2018

The market intelligence firm lists the 250 "most promising, private fintech companies from around the world."

Please take my KODAKCoin away. In the "if you call it a blockchain or add a crypto feature, your company will become more valuable" department, there's KODAKCoin. I like Bloomberg View's Matt Levin on what's "sort of cool" and what's simply impractical about following the trend of the moment. In his words:

Kodak wants to run a web crawler and a central database of photographs. You don't need to do that on the blockchain. It also wants to run a marketplace to match buyers and sellers of photographs. Again you don't need to do that on the blockchain. You certainly don't need your own currency to do that; lots of markets -- the stock market, the supermarket, the existing market for photographic licensing -- run on dollars, and what is convenient about dollars is that if you get dollars for licensing your photographs you can spend them at the supermarket.


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Always Remember :Ecouchtuner.EU is the NEW DOMAIN. CouchTuner.FR

Dr. Ken Season 2 Episode 20: Ken and the CEO at CouchTuner

Posted by couchtuner on March 18, 2017 – 9:46 am at Dr. Ken

Couchtuner Desc:

Since Ken shares a “bromance” with the charming but cocky New Zealander CEO of Welltopia, Charles Evans, Pat asks Ken to put in a good word for him for a promotion. But things get awkward when Ken learns that Charles actually wants to fire Pat.

Watch it here : Dr. Ken Season 2 Episode 20


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Dr Ken Season 2 Episode 21: Clark’s Big Surprise at CouchTuner

Posted by couchtuner on March 25, 2017 – 9:42 am at Dr. Ken

Couchtuner Desc:

Ken stumbles upon news of Clark and Connor’s surprise nuptials, so he tries to think of a way to get everyone to come. Meanwhile, Damona hopes to convince Allison to go by telling her that Ken is planning to renew their wedding vows.

Watch it here : Dr Ken Season 2 Episode 21


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Supergirl Season 1 Episode 15 – Solitude at CouchTuner

Posted by couchtuner on March 1, 2016 – 11:03 am at Supergirl

Couchtuner Desc:

Kara travels to Superman’s Fortress of Solitude in hopes of learning how to defeat Indigo, a dangerous being who can transport via the Internet and who has a connection to Kara’s past. Also, James’s relationship with Lucy reaches a crossroads.

Watch it here : Supergirl Season 1 Episode 15