text:
Month: May 2011
by mthago
Allah has given the work of the Prophet to those who follows Prophet Muhammad saw. In the Quran Allah said in the approximate meaning, Oh Muhammad, tell your followers, that this my path,(way) to call peoples to Allah with full conviction and this is my path and the path(way) of those who follows me. Allah has given the work of calling peoples to Allah to Prophet Muhammad saw and to all who follows him. Those who follows Prophet Muhammad saw are known as the Prophet saw followers or Umat. Allah said in the Quran with the approximate meaning, you are the best Umat being sent to the entire mankind, because you invite peoples to good and you prevent peoples from evil and you believe in Allah. Allah call the followers of Prophet Muhammad saw as Umat, because this Umat will becomes the means upon which the whole mankind will obtain guidance and blessing of Allah when the followers of Prophet Muhammad saw are doing the work of inviting peoples to Good and preventing peoples from doing evils. What is the meaning of good in the above verse? Good means to be able to recite the Great Kalimah, that I bear witness that there is no God except Allah and I bear witness that Muhammad is the Prophet of Allah and to be able to obey all the orders of Allah in the ways of Prophet Muhammad saw. What is the meaning of evils in the above verse? Evils means not to be able or refuse to recite the Great Kalimah, that I bear witness there is no God except Allah and I bear witness, Muhammad is the Prophet of Allah and not able or refuse to obey all the orders of Allah in the ways of Prophet Muhammad saw. Many do not understand what it really means by the good and evils mention in the verse. Many interpret evils as acts of promiscuity, illicit sex and all other related sexual abuse behaviours. None has ever interpreted it as disinclination to recite the Great Kalimah and the disobedience to obey the first and the second order of Allah which is to deliver the Great Kalimah to those who have verbalised the Great Kalimah and to perform the five times prayers with congregation. Our Islamic authorities do form groups known as "Pencegah Maksiat" to combat activities related to evils which we normally understand as acts of promiscuity and other acts of sexual abuses. Continue reading "THE WORK OF THE PROPHET- DAKWAH, BERPESAN-PESAN & MENGAJAR"
It's Jumuah +Al-Kahf (The Cave) -(video)
Uploaded by BeAwareToAvoid
In the name of Allah, Most Gracious, Most Merciful.
1. Praise be to Allah, Who hath sent to His Servant the Book, and hath allowed therein no Crookedness:
2. (He hath made it) Straight (and Clear) in order that He may warn (the godless) of a terrible Punishment from Him, and that He may give Glad Tidings to the Believers who work righteous deeds, that they shall have a goodly Reward, Continue reading "It's Jumuah +Al-Kahf (The Cave) -(video)"
Muslim representation reaches 20% in West Bengal Assembly
By Zaidul Haque, TwoCircles.net,
Kolkata: While the Left Front regime has got a humiliating defeat, the Muslim community has made good use of the rush of political parties to win Muslims heart in the just concluded assembly election in West Bengal. The Muslims will now constitute about 20% of the 294 seats of the state assembly. According to the assembly poll results announced yesterday, 59 Muslim candidates have got elected this time, 13 more from the 2006 poll. Among 59, there are 7 women, that is 5 more than the last assembly poll.
A file picture of West Bengal Legislative Assembly. Photo by The Hindu.com
After 35 years, Red Bengal has been changed into green. CPIM-led Left Front government has been thrown out by the people as they gave huge majority of 226 seats to the Trinamool Congress-Congress alliance in the 294-seat Assembly. Central Railway Minister and Trinamool chief Mamata Banerjee swept the Left bastion of West Bengal. The Left has got 61 seats (CPIM 40, CPI 2, All India Forward Block 11, Revolutionary Socialist Party 7 & Samajwadi Party 1).
Continue reading "Muslim representation reaches 20% in West Bengal Assembly"
What is Islam?
The word "Islam" means peace and
submission. Peace means to be at peace with yourself and your
surroundings and submission means submission to the will of God. A broader
meaning of the word "Islam" is to achieve peace by submitting to the will of
Greatness of Allah
bn al-Qayyim (may Allaah have mercy on him) described the greatness of Allaah in the most beautiful way:
"He is controlling the affairs of all the kingdoms. He commands and prohibits, creates and gives provision, and gives death and gives life. He raises and lowers peoples status, alternates night and day, gives days (good and not so good) to men by turns, and causes nations to rise and fall, so that one nation vanishes and another emerges. His command and decree are carried out throughout the heavens and on earth, above it and below it, in the oceans and in the air. He has knowledge of all things and knows the number of all things. He hears all voices, and does not mistake one for another; He hears them all, in all the different languages and with all their varied requests and pleas. No voice distracts Him from hearing another, He does not confuse their requests, and He never tires of hearing the pleas of those in need. He sees all that is visible, even the walk of a black ant across a solid rock in the darkest night. Continue reading "Greatness of Allah"
Attitude ("Attitude is a little thing that makes a big difference."- Winston Churchill)
Bismillah, alhamdulillah wa salat wa salam ala rasulullah, As-salam alaikum wa rahmatulahi wa barakatuh
1. Consider children a great bounty of Allah Ta'ala. Rejoice at their birth. Congratulate one another on their arrival. Welcome the children into this world with Du'aas of righteousness and blessings. Express your gratitude unto Allah Ta'ala for affording you the opportunity of nurturing a Muslim servant and also for allowing you to leave behind your worldly and religious successor. Make Du`aa that Allah Ta'ala makes this child an addition to the Muslim Ummah as a Da'i (inviter to Islam) and a true servant of the Deen. Continue reading "Advice"
War and Peace in the Quran
The Islamic relationship between individuals and nations is one of peace. War is a contingency that becomes necessary at certain times and under certain conditions. Muslims learn from the Qur'an that God's objective in creating the human race in different communities was that they should relate to each other peacefully (Quran 49:13).
The objective of forming the family unit is to foster affection mercy, and that of creating a baby in its mother's womb is to form bonds of blood and marriage between people:
It is He who created the human being from fluid, making relationships of blood and marriage. Quran 25:54 Continue reading "War and Peace in the Quran"
உங்கள் பதிவில் தந்திருக்கும் அனைத்து லின்க்களும் தனி விண்டோவில் திறக்க செய்ய வேண்டுமா? அதற்கு ஒரு சுலபமான வழி இருக்கிறது!
Dashboard – Layout – Edit Html போய்
என்று இருப்பதற்கு கீழ்,
<base target='_blank' />
என்ற கோடிங்கை பேஸ்ட் செய்து சேவ் செய்து விடுங்கள். இப்போ, எல்லா சுட்டியும் ஆட்டோமேட்டிக்காக தனி விண்டோவில் திறக்கும்.
by mail from MR.ALI


text:
I mean, let's face it, adding accents to a font is incredibly tedious.You must not be using Glyphs, then! ;o) I find it one of the most rewarding jobs, since it gives you so many new glyphs for such little effort.
Eastern European users have complained that only the traditional design is acceptableEastern European cedilla? Do you mean its use in Turkish, or the comma accent?
And I imagine many Eastern European type designers might make the "niche" glyph complaint about that annoying x, for example.I do, in fact, find the x rather annoying to make, at least in a serif font...
Christian, how does Glyphs differ from Fontlab in creating accented glyphs? Fontlab has the auto-build for accented glyphs where it automatically combines components for any given accented glyph you create.As long as the formula is contained in the "aliasdat" file.
Christian, how does Glyphs differ from Fontlab in creating accented glyphs?Most importantly Glyphs can correctly interpolate anchor positions. I don't know if Fontlab ever fixed that bug.
I see, which languages? Are locl useful to put these features in? Are there often situations where they don't get activated for some reason?Chris Lozos said:It is a language issue more than a style issue. I always include both with a language tag substitution in locl.
Just search the Typophile archives, it's all in there.Simon Cozens said:Is there a shared, public repository of this kind of localization (or other) OpenType recipe? If not, would it make sense for there to be one? It seems a lot of people have to reinvent the same wheels.

subset: commoncrawl


text:
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Supreme Court of Montana
June 12, 2018
STATE OF MONTANA, Plaintiff and Appellee,v.JACOB GEORGE FREIBURG, Defendant and Appellant.
Submitted on Briefs: May 9, 2018
FROM: District Court of the First Judicial District, In and
For the County of Lewis and Clark, Cause No. DDC 15-299
Honorable James P. Reynolds, Presiding Judge
Appellant: Chad Wright, Appellate Defender, Haley Connell
Jackson, Moses Okeyo, Assistant Appellate Defenders, Helena,
Appellee: Timothy C. Fox, Montana Attorney General, Tammy K
Plubell, Assistant Attorney General, Helena, Montana, Leo J.
Gallagher, Lewis and Clark County Attorney, Jeff Sealey,
Deputy County Attorney, Helena, Montana
Jacob Freiburg appeals his conviction after jury trial in the
First Judicial District Court, Lewis and Clark County, of
Criminal Child Endangerment (Child Endangerment) by driving
under the influence (DUI), a felony. We reverse and remand,
addressing the following issue:
Did the District Court err by refusing to give
lesser-included offense instructions for DUI and DUI per
In the evening of August 1, 2015, Deputy Joyce of the Lewis
and Clark County Sheriff's Office was patrolling in the
area of Canyon Ferry Lake. While at Chinaman's
Campground, Deputy Joyce observed Freiburg, driving a green
minivan, spinning his tires while accelerating out of a
parking spot. Joyce then observed Freiburg drive through the
campground, stop, and then accelerate quickly again. Joyce
initiated a traffic stop of the van.
During the stop, Deputy Joyce smelled the odor of an
alcoholic beverage coming from Freiburg's breath, and
observed that Freiburg's eyes were bloodshot and glassy.
Joyce had Freiburg undertake field sobriety tests, which
indicated that Freiburg was impaired, though Freiburg stated
he had poor balance. Freiburg agreed to take a preliminary
breath test, which indicated a .230 blood-alcohol content.
During the stop, Freiburg admitted to drinking three or four
"tall boy" beers. Freiburg initially agreed to
provide a blood sample, but once at the hospital, refused.
Because Freiburg had a prior DUI conviction, Joyce obtained a
search warrant to obtain a blood sample, which indicated a
.199 blood-alcohol content.
In Freiburg's vehicle were his three children, all under
the age of 14, Nichol Goodman, an adult woman, and
Goodman's five-year-old daughter. Freiburg's
thirteen-year-old son appeared to be intoxicated and became
so upset during the stop that officers had to restrain him.
The State initially charged Freiburg with Child Endangerment
by DUI, a felony under § 45-5-628(1)(e), MCA (2013), and
driving while suspended and failure to have proof of
insurance, misdemeanors. The State later moved to dismiss the
misdemeanor charges and to add an alternative count of felony
Child Endangerment by driving a motor vehicle with an alcohol
concentration of 0.08 or more ("DUI per
se"). The State also filed a notice of Persistent
Felony Offender.
At trial, Freiburg challenged the DUI charges, arguing that
the field sobriety tests were flawed, and that the blood test
did not accurately capture his blood-alcohol content at the
time he was driving, because it was administered many hours
later. Freiburg's defense also challenged the Child
Endangerment charge, positing that there was no danger to the
children in the car, based upon testimony from Officer Joyce
that Freiburg was cooperative and did not exhibit any signs
of unsafe driving other than his accelerated starts on the
gravel, and Goodman's testimony that there was nothing
about Freiburg's driving that indicated he was impaired
or that gave her any fear for the safety of the children in
the vehicle. Freiburg argued in both opening and closing that
he did not cause substantial risk to the children.
While setting jury instructions, Freiburg requested
instructions on DUI and DUI per se as
lesser-included offenses of the respective Child Endangerment
charges, prompting an extensive debate between the parties
and an extensive analysis by the District Court. The State
argued that lesser-included instructions were improper
because the defendant's theory-which attacked both the
underlying DUI charges and the risk of serious bodily injury
under the greater endangerment charge-would, if believed by
the jury, require an outright acquittal, not a conviction for
the lesser-included offense. Freiburg responded that while he
attacked the DUI, he also presented evidence that he had not
caused substantial risk to the children in the car, and thus
the jury could convict him of DUI or DUI per se
while acquitting him of Child Endangerment. The District
Court ultimately declined to give the lesser-included offense
instructions, reasoning that because Freiburg challenged the
underlying DUI, his defense would result in an acquittal on
both the greater and included charges, though noting,
"[i]t may be that we're going to have some case at
some point that's going to be State versus Freiburg that
will clear up some of these elements, but that's my
conclusion on the case law that's been presented to
The jury found Freiburg guilty of Child Endangerment by DUI.
Citing Freiburg's Persistent Felony Offender status, the
District Court expressed an intention to sentence Freiburg to
fifteen years with five years suspended, but at
Freiburg's request, the District Court sentenced him to
fifteen years with no time suspended. Freiburg filed a motion
for a new trial, again challenging the District Court's
failure to give lesser-included offense instructions, which
the District Court denied, reasoning that "at least one
of Freiburg's ...
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Let me tell you a story.
When I was young (perhaps seven or eight years old) I used to have dreams. I'm twenty now, so it's obvious that this was quite a while ago - many years and several months prior to June of 2009, a time of little significance to some and of great significance to others - but how long ago or whether or not it happened before certain events isn't really important at this point, so I'll get back to it.
In those dreams, a tall and unnaturally thin man who appeared to have no eyes, ears or nose - but who did possess a mouth filled entirely with razor sharp needle-like teeth - would force His way out of my closet to watch me sleep until the sun rose, ready to attack and eat me if I showed any signs of being awake during the night. This was an especially terrifying dream to have if I did happen to wake up in the middle of the night, for obvious reasons, but I really didn't feel like it made much of a difference whether it was the middle of the night or the middle of the day, being only eight years old or so. Those dreams horrified me, and I was certain I was going to die. So I told my mother, because that was how you solved every problem that was above your head back then.
The irony is, of course, that telling my mother was exactly what I needed to do to solve the problem. After her funeral I moved to live with my father and I never saw that strange, tall man again. Problem solved.
And I grew up. I went to school, and I wrote terrible, angsty poetry about girls I had no chance with, whilst ignoring girls who had no chance with me who were probably writing terrible, angsty poetry about how much of a jackass I was. I got a job at a games store, which I had vague plans to one day run, and earned slightly more money than I needed to survive, which was nice.
And then He came back. I've seen the blogs - both real and fake - I know how it goes. I stumbled across a reference somewhere, and suddenly I knew that the time my mother had bought me was up. There was no fascination with the 'myth' or slow descent into madness. I just knew He was coming. I knew when I went to bed, and I still knew the next day when I woke up with a nosebleed and a migraine. I ate breakfast, I had a shower, I got dressed and I waited. I thought about running, I really did - but if He could simply walk out of my closet in the middle of the night while I slept, where was I supposed to run to? I thought about fighting, but how do you fight a creature from your dreams? So I waited.
And when He showed up I opened the door and let Him in. He did that thing where He Walks - took me with Him, too - right into my kitchen, just to let me know He didn't need me to open the door and I think that was about when my nosebleed came back and I pissed my pants in fear.
And then as He moved closer and started to unravel Himself that part of my brain that used to be a lizard had an idea, because through all the terror, pain and revulsion all I wanted to do was live and I guess I pretty much would've done anything to survive at that point. So I asked Him for a job. I think I said something like "Give me a job I can do something useful you don't have to kill me you have to need people for something I've seen MarbleHornets I can help please don't kill me oh god its not real please don't kill me I can still help please don't kill me", except there weren't really spaces between the words and I was still peeing my pants for about the first half of it.
And then He laughed. I sweartofuckingBran, He laughed at me. It was this low, quiet chuckle with a hundred thousand echoes of children laughing with him in the background and for a moment my mind snapped and I was just an animal hiding from a predator, just a lizard scrambling backwards as the shadow of a hawk flitted over me, just a mouse scrambling frantically away from the jaws of a cat so much faster and stronger than it. It was horrifying and revolting and wrong.
And then He folded himself back up until He was just a faceless man in a suit and the embodiment of everything wrong with the world, not a lovecraftian horror made out of trees and hate and spiders and claws and the screams of a thousand lonely children that crawls under the world and gnaws at your dreams while you sleep.
And that was it.
Once He was all horrifyingly humanesque again, He just left. Turned around and walked away. I don't know what possessed me to do it beyond a horrible certainty that if I let Him out of my sight He'd start acting like He normally does again, but I scrambled after Him as He walked to my front door, just like any other visitor would when it was time to leave.
He was messing with me, I'm sure, because we all know He doesn't walk around like a normal person or need to open a door to get past it but once He got there, it swung open of its own accord and He just strode through and kept on walking. I was too terrified and too stunned to keep on following Him now He was out of my house, but I could still see Him walking down the street - a lucky fluke of living at the end of a cul-de-sac, I suppose. I could feel His presence retreating as He got further and further away, like He wanted me to know He was really leaving.
So I closed the door, had a shower, got some clean jeans off of my 'floordrobe' in my bedroom, mopped the kitchen floor and ate lunch. Two days later, I returned home from a little shopping trip to find a car parked out the front of my house and a teen-aged girl I'd never met leaning on the bonnet. I didn't have to ask why she was there, but I did. I wasn't surprised when she told me that He had sent her, nor was I surprised at the way she seemed to glow with some sick religious rapture when she talked about Him. She stunk like she hadn't showered in days and had been rolling in mud for good measure, so I let her in and let her use my shower.
And that was how I started taking care of the Taken, His 'children'.


text:
Fairfax, VA – MainStreet Bancshares, Inc. (OTCQB: MNSB), the holding company for MainStreet Bank, nearly tripled its third quarter 2016 earnings over the third quarter 2015. Net income of $2.8 million through September 30, 2016 was more than double the level of net income through September 30, 2015. Earnings per share for the nine months ended September 30, 2016 is $0.66 versus $0.29 for the same nine month period in 2015.
Net Interest income of $13.67 million reported for September 30, 2016 improved $2.4 million over net interest income from September 30, 2015. The net interest margin through September 30, 2016 is 3.79%.
Non-interest income (net of securities gains) is $1.1 million through September 30, 2016 compared to $791 thousand for the same period in 2015, a 36% improvement. Non-interest expense through September 30, 2016 is $10.5 million compared to $9.1 million for the same period in 2015. The increase is primarily in salaries supporting ongoing growth and expansion.
MainStreet's balance sheet improved 11% from third quarter 2015 with total assets of $536 million against total assets of $481 million respectively.
Net loans outstanding at September 30, 2016 total $441 million against net loans outstanding at September 30, 2015 of $389 million, an increase of $52 million or 13.4%. Asset quality remains very strong, as nonperforming loans represent a mere nine basis points of total gross loans on September 30, 2016.
Non-interest bearing deposits increased to $114 million as of September 30, 2016, up 57% from September 30, 2015. Non-interest bearing deposits represent 26% of total deposits at September 30, 2016. Time deposits are down $5 million from the prior period. Total deposits as of September 30, 2016 were $447 million, an increase of $59 million from September 30, 2015.
The share price closed on September 30, 2016 at $12.60 per share. During the third quarter of 2016, there were 133 trades for a total of 177,018 shares with a dollar value of $2,165,731. The high share price for the third quarter of 2016 was $12.75 per share.
QUOTES: "We are seeing a very positive and consistent trend in earnings performance." says Jeff W. Dick, Chairman, CEO and President of MainStreet Bank. "Likewise, we have seen a significantly improved level of non-interest bearing deposit account balances. MainStreet is focused on achieving strong balance sheet growth funded by low-cost deposits. We are currently managing $6.7 million in assets per employee, with a goal to improve that number to $8.8 million in assets per employee. That improvement, combined with continuous improvement in fee income for all areas, including the recently established payment systems group, will help us to achieve superior returns."
ABOUT MAINSTREET BANK: MainStreet operates five branches in Herndon, Fairfax, Fairfax City, McLean and Clarendon. In addition, MainStreet has 55,000 free ATMs and a fully integrated online banking solution. The Bank is not restricted by a conventional branching system, as it can offer business customers the ability to Put Our Bank in Your Office®. With robust and easy-to-use online business banking technology, MainStreet has literally "put our bank" in well over 750 businesses in the Metropolitan area.
MainStreet offers a full complement of business and professional lending products, including government contracting lines of credit, commercial lines and term loans, residential and commercial construction and commercial real estate. MainStreet also works with the SBA to offer 7A and 504 lending solutions.
From mobile banking and Apple Pay to instant-issue Debit Cards, MainStreet Bank is always looking for ways to improve its customer experience. Additionally, MainStreet released Aircharity® in 2012. Aircharity® is a unique solution that empowers people and organizations to raise money via email, websites and social media. The product allows a customer to open an account and accept donations from debit cards, credit cards and electronic checks.
MainStreet Bank was the first community bank in the Washington, DC Metropolitan area to offer a full online business banking solution. MainStreet Bank was also the first bank headquartered in the Commonwealth of Virginia to offer CDARS – a solution that provides multi-million-dollar FDIC insurance. Further information on the Bank can be obtained by visiting its website at mstreetbank.com.
# # # #
This release contains forward-looking statements, including our expectations with respect to future events that are subject to various risks and uncertainties. Factors that could cause actual results to differ materially from management's projections, forecasts, estimates and expectations include: fluctuation in market rates of interest and loan and deposit pricing, adverse changes in the overall national economy as well as adverse economic conditions in our specific market areas, maintenance and development of well-established and valued client relationships and referral source relationships, and acquisition or loss of key production personnel. Other risks that can affect the Bank are detailed from time to time in our annual reports. We caution readers that the list of factors above is not exclusive. The forward-looking statements are made as of the date of this release, and we may not undertake steps to update the forward-looking statements to reflect the impact of any circumstances or events that arise after the date the forward-looking statements are made. In addition, our past results of operations are not necessarily indicative of future performance.


text:
Culture in financial services is widely accepted as a key root cause of the major conduct failings within the industry in recent times.
This training is designed to provide participants with a robust understanding of the framework and importance of Culture and Good Governance, as it should exist within a regulated Financial Services firm. The course will focus on explaining the regulatory agenda around culture and the expectations on the firms' and their senior management to implement and maintain good culture.
This seminar shall highlight the role of board of directors and senior management in setting 'the tone from the top' within a firm and provide practical examples on what firms should be doing to ensure they embed and monitor culture and conduct of staff in their organisation. It shall also elucidate the role of various governance committees, company secretary processes and the importance of timely and accurate management information in driving key decisions for the firm.
Training Objectives
By the end of the programme, participants will develop a good understanding of the importance of culture and good governance at a financial services firm, including:
Training Outline
Setting tone from the top
Appointment and induction of Board of Directors (BoD)
Role of governance committees
Fitness and Propriety
Management Information
Measuring culture and pre-empting issues
Training Style
The training session will use short lectures, illustrative visual examples and interactive case studies to consolidate participants' knowledge, as well as live practical examples all designed to deliver knowledge and further enhance participants' skills.
Who Should Attend
The programme seeks to enhance the skill-sets and knowledge of:
Contact us for Group Registrations of 4 people or more
10% Autumn Early Booking Discount | Valid until 4 September (inclusive)
Back to Training Calendar
Complete the below form and a member of the EIMF Team will contact you shortly. To register to this programme click the ''Register Here'' button above.


text:
International Mindedness is a defining value at Glenunga International High School and our inbound and outbound study tours allow students to develop their potential as internationally minded, critically thinking, responsible citizens.
We pride ourselves on building strong global relations with schools across the world. Each year GIHS welcomes delegates and students from a number of schools who visit us annually and we also offer our students a variety of language and cultural tours to international destinations. These opportunities provide exposure to different cultures and languages; exposure that can only be acquired by interacting within a different cultural setting or with people of another cultural background.
New Caledonia Language and Cultural Tour
5 October 2019 – 12 October 2019
This Language and Cultural Tour will enable students to be immersed in the daily life and culture of people living in New Caledonia. One of the foci of the tour is for students to engage in language activities and classes at the CREIPAC French Language School. Students from GIHS will have real-life opportunities to connect with local people.
Hosei Study Tour
Koishikawa Cultural Study Tour
Ritsumeikan Study Tour
Further development of your student's international mindedness can be achieved by welcoming an international student into your home. This can be done on either a short or long term basis.
If you'd like to volunteer your time to be a short term homestay for one of our visiting Study Tours, please contact email@example.com
If you'd like to become a homestay host for a long-term international student, please click here for more information.
For more information about studying abroad in South Australia, please contact:
International Education Services
Department for Education
PO Box 1152, Adelaide SA 5001 | GFW, 31 Flinders Street, Adelaide SA 5000
Telephone: +618 8226 3402 Fax: +618 8226 3655
Email: firstname.lastname@example.com


text:
Sears Holdings (NYSE: SHLD) announced its concerns on Tuesday about its ability to stay afloat after years of losses and declining sales. The U.S. retail giant has failed to turn an annual profit since 2011. At the end of its fiscal year in January, the company had said that it was hoping to reduce its costs by $1 billion and cut its debt and pension obligations by at least $1.5 billion. It currently has liabilities totalling around $13.19 billion. In efforts to boost its liquidity, Sears said that it has taken action to sell its Craftsman tool brand for $900 million to Stanley Black & Decker Inc (NYSE: SWK).
Topics: High Yield, Loans, retail
Topics: Loans, Middle Market, retail
Shrinking historical "Yield to Worst" change shows that investor's appetite for risk appears to be growing in the retail industry. This steady trend conforms with the post election rally that has taken place. The retail industry has been bolstered by a nice bump from a holiday season rush. While brick-and-mortar stores appear to be under acute pressure, many big retailers adapted and have established a strong online presence.
Topics: High Yield, retail, YTW
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text:
You can add email addresses and change your login (default) email in your user settings here.
To do this, you'll need to first add a new email address by clicking "Add another email".
You can then provide your email address, optionally specifying the institution affiliated with that address if applicable.
After clicking the Add new email button, please check your email Inbox for the confirmation message, and follow the steps in it to confirm your address. (You may need to check in your Spam, "Updates" or "Promotions" mail folder for the email.)
If your university is part of a group premium subscription, adding the email address on your account to the email address which is part of the group subscription will upgrade your account to the premium level.
Note that you can only login to your Overleaf account with the Default email. If you would like to change your login email, make sure to click on the Make Default button next to your chosen email address after adding it in Account Settings.


text:
Kids Winter Boot
Toasty II GTX
- GORE-TEX Warm Membran
- Extra Insulation in Midsole
- Extra Toe Reinforcement
- Ease the slide in w/Pull Tab
- Strap Friendly Sole
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Wood Table Chairs
While wood table chairs as we know them have existed for thousands of years, it was not until the 16th century that the chair became an ordinary item of furniture. Though chairs existed for perhaps millennia prior to this, as far back as ancient Egypt and Greece, they were used strictly for royalty, statesmen and dignitaries. These chairs included thrones and sedan chairs, but were not limited to these functions. Early royal chairs were made from the finest woods, such as ebony, often ornately carved and sometimes gilded. They might also be inlaid with gems and decorative stones or carved ivory. Various scenes were carved into the backs and sometimes even the sides of the chairs.
Wood table chairs did not come into common use until the Renaissance period. Prior to this time, common people still had to have places to sit, of course, but they did not use wood chairs to do so. Instead benches, stools, and chests were used as seats for the common man. A stool might be built very much like the bottom half of a chair, but backrests and armrests were a luxury only available to the very privileged in earlier times. Once chairs lost their royal designation, they were made almost exclusively with armrests until near the end of the 1500's. Chairs in general use were rarely if ever upholstered, as many of their royal ancestors had been, until the middle of the 17th century.
Once chairs came into regular usage, their ornate designs began to evolve with the ever changing fashions of the times, and so it is that a wooden chair from the Georgian era, with its high round back and scrollwork legs, is much different from the straight, low back style with braced legs that originated in Elizabethan times. And certainly neither of those chairs bears much resemblance to a chair from the Italian Renaissance chair from the 17th century which featured U-shaped curves, a seat cushion, and an elaborately carved backrest, or to the upholstered, but otherwise unadorned Henri II style.
The 18th century is considered by many to be the "golden age" of chairs, particularly in England and France. This is when the cabriole leg evolved from being the vertical support of Chinese lacquered tables to that of stylish chairs. In addition, leather or velvet upholstery began to be replaced with tapestry work and walnut would often replace oak.
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We believe that our emphasis on soil health as well as freshness makes a real difference in the flavor, nutrition, shine, and storage quality of our produce. We collaborate with some of the region's top chefs to develop our crop varietal selections and harvest techniques. Our goals are to grow some of the nicest produce that you've ever seen or tasted; to be active participants in a vibrant local food economy; and to take care of our farmland to the best of our ability.
We're a family-farm, in our 15th year of operation, cultivating 50 acres of protected farmland in Sudbury and Concord, MA — just 25 miles west of Boston. We grow over 100 varieties of vegetables for our 500-member CSA community, our farmstores in the Boston Public Market and Boston's South End, our stall at the Copley Square Farmers' Market, and select restaurants and chefs.
We use only sustainable agricultural practices; free of chemical herbicides, pesticides, and synthetic fertilizers. We enhance our fields' soil fertility by using natural composts, cover crops, and mineral amendments. We have chosen to forgo the USDA's organic certification process but invite you to trust us, your farmers, that we grow our produce using ecologically and socially responsible methods, on par with current organic standards.
Our Story
Germination: In 1975, when farm owner Chris Kurth was a mere babe, his family moved to a nineteenth-century Sudbury farmhouse and started settling in. Chris grew up helping tend gardens, fruit trees, and a collage of farm animals his family raised for home consumption. In 1998, after studying biology, philosophy, and environmental studies at Williams College, Farmer Chris started a ten-acre CSA farm on his parents' fields and named it Meadow Brook Farm. After four years of developing Meadow Brook he accepted a farm instructor's position at The Farm School in Athol, MA, during which time he met and married his wife Ana Sortun, chef/owner of Oleana restaurant and Sofra Bakery in Cambridge, MA, and Sarma mezze bar in Somerville, MA . The birth of Ana's and Chris' daughter, named Siena, in 2005, spawned a new incarnation of the farm — Siena Farms.
Growth: Over the last fifteen years we've grown to our current scale of 50 acres, and now serve our CSA members, restaurant clients, and retail customers — year-round in Boston's South End and at the Boston Public Market, and seasonally at the Copley Square Farmers' Market. In recent years, we launched our unique Kids' Farm Share designed to get kids into the kitchen and connected to their food, plus our Market Card program as an opportunity for our retail customers to engage further with the farm and our produce.
Harvest: Of course, we couldn't have achieved any of this without our dedicated staff, wonderful customers, and many friends — so, thank you, Cheers, and Happy Cooking!


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Have you got all your permissions? Several cases have emphasised the importance of ensuring that businesses do not unwittingly breach copyright legislation. Whether playing music to customers on hold on the telephone, allowing radios to be used by staff or using images on websites, it is crucial that businesses have the necessary licences in place.
Under the Copyright, Designs and Patents Act 1988, the performing, playing or showing of a copyright work, in public, such as the playing of a radio, without the consent of the copyright owner may amount to copyright infringement. Deciding whether the act is "in public", is a question of fact in each case but as a general rule anything going beyond strict domestic use will be held to be "in public" and this includes where the audience consists of people at work. This is illustrated in a case brought by the Performing Right S
ociety (PRS) against Kwik-Fit (in the Scottish Courts), concerning personal radios being used by employees in bay areas of Kwik-Fit premises where they could be heard by both members of staff and members of the public entering or leaving the bay areas. At a preliminary stage, it was decided that it was possible that Kwik-Fit may be liable for copyright infringement if it could be proved that Kwik-Fit (in particular the local and central management), had authorised or permitted the playing of the music (the allegedly infringing act). It was also possible that Kwik-Fit may also be liable as an occupier of premises who had given permission for employees to bring radios on to the premises with knowledge, or having reason to believe, that the radios were likely to be used to infringe copyright.
It is worth noting that PRS had been conducting inspections across Kwik-Fit branches and were intending to produce the results as evidence of Kwik-Fit's alleged copyright infringement.
In the UK, the PRS licences copyright in music and lyrics whereas Phonographic Performance Limited (PPL) licenses copyright in sound recordings.
In 2005, the PPL amended its tariffs resulting in an increase in the annual rates payable for its licences. Recently, the Copyright Tribunal has ruled that the increases were unreasonable and unjustifiable and has ordered a return to the original rates with a modest 10% increase. There are also concessions available for smaller premises and businesses. However, late payers or those trying to avoid detection should beware as if the PPL discover that music has been being played prior to a licence being obtained, this will attract a 50% surcharge.
PPL has indicated that it will appeal against the decision of the Copyright Tribunal so it remains to be seen if it will be successful, or if the decision stands, it will pave the way for licensees to apply to PPL for refunds for the period where the inflated rates were applied.
Using artistic works such as photographs, digital images and graphic works may also amount to copyright infringement if used without the consent of the copyright owner.
Getty Images (Getty) is one of a number of companies that control the copyright in an extensive portfolio of images. Frequently, images controlled by Getty, or similar companies, appear in the results of internet searches for images. Such companies often use specialist software to track unlawful use of their images and Getty in particular is well known for seeking to enforce its intellectual property rights.
Recently, Getty brought action against a removals company for using one of Getty's images on its website without the necessary licence. On receiving notification from Getty of the unauthorised use, the removals company took the image down from the website. Despite this, Getty pursued the company through the courts before the parties eventually reached a settlement with Getty receiving damages and interest of almost £2,000 along with its legal costs.
- Be aware that music has copyright attached to it and where music is used outside of a strictly domestic setting, a licence is likely to be needed from the controller of the copyright. This may include obtaining licences from bodies such as PRS and PPL.
- Be aware that the hits returned on simple internet searches for images are likely to have copyright subsisting in them.
- Check that you have the necessary licences in place to cover the images your business uses.
- Even where a web developer has designed your website, it is prudent to check with them that the necessary permissions are in place to ensure the content is properly authorised or licensed.
- Act quickly in responding to allegations of unauthorised use of music or images with the aim of avoiding lengthy and costly court proceedings.


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From the StarTribune on the Fourth of July:
Under pressure from immigrant rights advocates, the Minneapolis City Council is moving closer to issuing municipal identification cards, available to anyone in Minneapolis above the age of 14 regardless of their immigration status.
Cities across the country have begun issuing IDs to help undocumented immigrants in an era of stepped-up deportations by federal authorities.
The ordinance has the support of the mayor and council members.
At the beginning of Friday's council meeting, Council President Lisa Bender suspended rules to allow a member of the Minnesota Immigrant Rights Action Committee to address the council.
"We are not in a normal time," Bender said. "With a president that's actively attacking our constituency, one of the acts of resistance that we have available to us as a city is to lift up the voices of our community members."
Romero, who spoke on behalf of MIRAC, urged council members to act.
"Every single day families continue to be separated," Romero told the council. "You can reduce those deportations, but you have to bring an ordinance here to be voted on and you have to pass it."
There you have it.
If you live in a Blue Urban enclave in The Age of Trump elected officials see absolutely nothing wrong with refusing to enforce American immigration laws and, in fact, acting in direct rebellion against the federal government.
Minneapolis has long been a Sanctuary City, as are many, many others.
Here in the Blue Urban Confederacy we are at a point where acts of resistance and insurrection are actively promoted by elected officials without fear of consequence or accountability.
Unspoken but implied with the issuance of a local ID: it will be an accepted form of voter identification.
And if you wear a MAGA hat on Hennepin Avenue expect to be throat-punched…


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Advance tickets available for Strawberry Festival
May 13
It just doesn't feel like summer until you've had a shortcake piled high with strawberries, ice cream and whipped cream in downtown Kokomo. And that feeling is coming on Friday, June 7, as the Greater Kokomo Downtown Association presents the 2019 Strawberry Festival.
Sponsored by First Farmers Bank & Trust, the festival will be 11 a.m. to 9 a.m. on the Courthouse Square in downtown Kokomo. As always, the event will include a hearty serving of strawberry shortcake. All activities at the festival are free, but you must purchase a ticket to receive a dessert. Tickets are just $5 and are good for one strawberry dessert.
Advance tickets are now avialable at the following locations:
• All First Farmers Bank & Trust locations
• All branches of the Kokomo-Howard County Public Library
• Greater Kokomo Economic Development Alliance, located in Suite 103 of Inventrek Tech Park, 700 E. Firmin St., Kokomo
For group ticket sales requiring invoicing, contact Linda Wilson at 765-457-5301 or click here to email.


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- Preheat oven to 240⁰C.
- Grease a 10cm round 1 cup-capacity cast iron baking dish with half the butter.
- Slice potato thinly with a mandolin.
- Layer potatoes, onion, salt, pepper, thyme, rosemary and butter evenly through each layer.
- Overfill by 2-3cm and press layers down firmly as you go.
- Finish with a knob of butter on top.
- Fill to ¾ full with stock.
- Bake in oven for ½ an hour with lid on, then another 40 minutes with lid off until golden.
- Quantities can be adjusted to go into a larger baking dish, just scale up recipe.


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Finally, after three months firmly planted on the ground I've managed to get back into the aircraft and put some hours on the metre.
Since the problems associated with PTC arose we have changed our training plan to try to accomodate the tight schedule we are working towards. With this change we completed the MCC/JOC as explained before finishing our Instrument Rating, something we were mostly through in Waterford only weeks ago.
So, after enjoying ourselves in Dublin for ten days we headed down to Cork. The weather over the past couple of weeks has been much improved and we have benefited massively from this during the flying stage here in the south west of the country.
The aircraft we have been using here in Cork is slightly different to that we have been used to up until now. It is the larger, more powerful brother of the Piper Seminole; the Piper Seneca. With it's increased power and turbochargers it allows the plane to climb to higher altitudes and therefore operate more efficiently. There is also significantly more room in the back which makes it much more comfortable for those observing!
With the new plane come new procedures, practices and numbers to learn and become familiar with. I must say the first flight was quite different compared to what I have been used to although the basic principles of the aircraft and instrumentation were the same.
The weather was perfect for IFR flying after three months stuck on the ground. The cloud was overcast at just 400ft above the ground and stopped just over 2000ft above our heads. After rotation and gear retraction we were deep in the water vapor climbing to the higher altitudes.
As expected, we burst out of the blanket of the white puffy good stuff around 2,500ft into glorious sunshine, something those on the ground could only dream about at the time. We could see for miles. The sun filled the cockpit with light. Time for the sunglasses.
After getting over the awe of seeing such a wondering sight as we partook in some cloud surfing; it was time to get to know the aircraft a little bit more. We completed some basic handling of the aeroplane and headed back towards Cork for an instrument approach with one engine.
In reversal of the departure the sun disappeared as we pointed our nose back towards the earth. Deep in cloud we discussed the approach and Cork Approach kindly vectored us onto the final flight path to Runway 35.
We continued descending along the glideslope, a fictitious line which controls the vertical flight path of an approaching airplane and experienced for the first time myself; the sight of popping out of the clouds only a few hundred feet high to see gleaming runway lights ahead. This stuff really does work! A sight I will never tire of. That feeling of not being able to see where you're going yet so precisely navigating your way down to that strip of tarmac a short distance ahead is one of the great wonders of aviation and something I don't think enough people appreciate. Certainly those living in climates such as ours where clouds are just part of the furniture! This technology is adopted in the most advanced aircraft flying today as well as our thirty five year old Seneca.
After the first flight the taste of flying had once again attached itself well and truly to the pallet. The following day we were back in the aircraft. Unfortunately for us (but I would imagine most would disagree) the weather was much more favorable for those on the ground wanting to enjoy a bit of sun. There were clouds scattered across the sky but mostly visual conditions. Because of this and the type of training we're undertaking we wear something called a 'hood' as seen below:
This is designed so that we cannot see outside yet our vision of the instrumentation in front of us is not affected. It's not the greatest solution in the world but in theory we only have the gauges in front of us, as well as our stomach to keep us straight and level and (generally!) heading in the right direction.
Again, we were familiarising ourselves to the aeroplane but bringing more laborious tasks for the floor. Finally we were becoming more comfortable with the machine. Adding another two hours to the log book was the aim and after some approaches around Cork we were safely back on the ground at the projected time.
After another flight in the local area where we cemented everything we weren't particularly happy with it was time to plan the first sortie to a different airport, and where better than where we had just come from!
Waterford is only a short hop east from Cork taking in some of the best sights that the Republic of Ireland has to offer. Since getting back into the air one stand out benefit of flying in this region is the views when the clouds are lacking. Not that I look from under my 'hood!'
Our journey across the south coast would take us direct between the two airport. The sun was setting and the sky was looking inviting. This was going to be a very enjoyable flight!
As always the Seneca rumbled down the runway eager to climb to the lower flight levels. Immediately after departure we turned right and headed on course. Climbing to FL70 (roughly 7000ft dependent on the weather) we sat comfortably in the cruise listening to Shannon ATC who were very helpful in advising us along our route.
Being such a short sector I was soon preparing for descent. Descent distances and approach calculated and verified we started to drop down to the designated altitude of 3,500ft. Runway 03 was active at the time which, following our approach profile would mean quite a rapid descent onto final.
Aircraft configured and clearance for the touch and go transmitted we continued towards the runway. I joked with the instructor that this would actually be the first time I would touchdown myself in Waterford, somewhere I had been training for two and half months.
One thing I have noticed about the Seneca is it's forgiveness when it comes to landing. I have found it quite easy to flare and touchdown compared to the Seminole.
Back in the air we entered the hold over Waterford. A 'hold' is a procedure that is used mainly at large airports and is notorious at Heathrow where traffic figures are at eye watering levels. Obviously anyone flying into Heathrow has technology I would dread to have to explain that would fly the perfect hold over any made up point. However, the basically principles of instrument flying dictate that we should manually be able to fly what is in essence a race track at a certain altitude. Sounds easy, but when taking into account the wind it can become a bit of a nightmare. Luckily we're taught how to execute these with surprising accuracy. A couple of trips around the hold and it was time for one more approach before heading back to Cork.
On approach back into Cork we were told by ATC that we would be number two for landing following an ATR aircraft behind us. A regional aircraft that carries up to 72 people. It is notorious for being extremely fuel efficient but equally for being extremely slow. This was our time to shine. Could we beat the turboprop into Cork and jump up to number one for landing? Power increased we set upon our destination with a new sense of purpose.
"GJO turn left heading 160, let me know when you have visual with the ATR passing overhead at your ten o'clock."
Crap. It wasn't until it came onto short final that we would have had a chance of keeping up pace and unfortunately we had well and truly run out of time. Maybe next time...
Landing back in Cork at night was again one of those 'pinch me' moments. The airport is built on the top of a hill (I still want to know who's 'great' idea that was!) and the city sits below to the north east of the field. As we approached over the sea from the south we could see the metro fill the sky with light and colour. I've been fortunately to see many a city lit up a night but adding in the fantastic coastline here the distinction between absolute darkness and light really did paint a rewarding picture.
We continued as per ATC instruction. Soon we were cleared to follow the approach for Runway 35. The runway came into view. Similar to the first flight the airport was showing it's full glory with the most advanced landing lighting system on the market there to help guide us visually to the touchdown spot. Again, a sight I just know is going to take a long time to become the norm.
The appetite for route flying was enhanced and a little trick we had planned to eliminate the hours remaining was going to be more rewarding than we had expected.
The following morning we prepared our long day of flying. We had built an itinerary taking us to three different countries, three new airports and over many different cities and landmarks. Leaving Cork we were to head up over Dublin towards Belfast, complete a couple of approaches into the Northern Irish capital and then position to Blackpool in the north west of England, overflying the Isle of Man en route. Following a short lunch and fuel stop we would depart the seaside resort and head back across the sea to Dublin, down to Shannon on the west coast of the Republic before returning to home base.
With our flight plan filed for 09:30am and shortly afterwards our engines were running and we were rolling down Runway 17. Rotating towards the south we soon made a left turn to point the nose towards the capital city.
The weather was glorious, matched only by the in flight entertainment - the scenery. As we approached Dublin we were told to climb to FL100 and head direct to a reporting point on the Irish boarder cutting out quite a bit of time.
It was great to be listening to a busy ATC frequency dealing with a lot of local, European and transatlantic traffic; something we will certainly have to get used to when entering the role on a commercial basis.
Upon reaching the boarder we were passed over to Belfast Approach. Now we were in UK airspace. Serious stuff. The UK is known for it's extremely strict radio telephony. So much so most of the world have adopted their published document containing all the relevant terminology to be used over the airways! Being strict obviously doesn't have to mean they're not being friendly and sure enough the controllers were extremely accommodating in meeting all of our needs before we departed over the city towards England.
It had been an amazing day. We'd experienced something that isn't really the norm when training for the instrument rating. We were very fortunate that the weather had been so forgiving and we'd managed to see some of the amazing sights that the UK and Ireland have to offer.
So, hours complete it was time to prepare for the flight exam which was to be on Monday. As always, nothing is ever straight forward.
Overnight the weather deteriorated rapidly and left two colleagues who were due to take their flight tests on Sunday afternoon in a terrible position. Since Sunday morning we have seen no improvement in the weather and still we sit here waiting for the weather to lift so we can complete what we hope will be the final flight on this long road to obtaining the Air Transport Pilot's License.
Time is now getting extremely tight. We have five days to complete the training to meet the start of our Type Rating. Some wait months; some wait years to start that first job. We may just have a matter of hours...


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In stock
Wildwood Wintry Waves – Merry Coastal Christmas – Handcrafted Soap is inspired by holiday-time around our island, this soap bar is infused with Sea Salt and and nourishing Coconut Oil for a rock-hard bar with bubbly lather. It is scented with a mix of salt air, crisp waters, and tall, green pines, with eucalyptus and fir needles essential oils!
This hard white bar has a creamy, lotion-like lather and is a perfect gift to give your ocean-loving friends and family this holiday season.
Our exclusive "Wildwood Wintry Waves" – Merry Coastal Christmas Handcrafted Soap is a functional souvenir that is sure to become a favorite whether you're near or far. Cleanse yourself in the freshness and renewal of winter at the beach! The ocean is crisp, the air is fresh, and life is a little less colorful, but our senses feel merry and bright here on the coast!
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text:
Consumers had more choices in the Affordable Care Act marketplaces as more insurers participated in the exchanges and premiums showed lower rates of increase – and even some decreases.
That was the word from the Urban Institute, which analyzed the marketplaces in 10 states as part of a study funded by the Robert Wood Johnson Foundation.
The 10 states studied were California, Florida, Georgia, Indiana, Maryland, Minnesota, Ohio, Virginia, Washington, and West Virginia.
Researchers found that insurers were more willing to enter new markets in time for the 2019 enrollment season. This marked a substantial shift from 2018 when political uncertainty and policy changes drove sharp declines in insurer participation.
Following many dramatic marketplace premium increases for 2018, premium growth for 2019 tended to be modest, and even negative in some areas, the researchers found. The 2018 increases were largely attributable to insurers incorporating the costs associated with cost-sharing reductions into their premiums and to the tremendous uncertainty created by other regulatory changes and the political debate surrounding reform.
Insurers appear to be readjusting premium growth in 2019 to account for 2018 overestimates.
The study showed more plans offering narrow provider networks, an increasingly common strategy insurers use to contain costs and limit networks to high-performing providers. Many markets were also dominated by health maintenance organization products offered by Blue Cross Blue Shield affiliates and Medicaid insurers.
The insurance carriers that did well in the ACA marketplace were "the ones who have it figured out," said John Holahan, Urban Institute fellow. "I think the carriers that didn't do well in this market have already left the marketplace."
The 2018 open enrollment season was marked by large premium increases, which may have helped stabilize the marketplace for the 2019 enrollment, he said. "Those large premium increases got insurers to a place of profitability so they were comfortable. So premium increases for 2019 were relatively small. And you had more carriers entering the market and more carriers talking about entering other markets in the future."
Many of the carriers that were successful were Medicaid insurers, Holahan said. "They can offer relatively low-cost products. And anyone who can figure out a way to develop a narrow network product that can be competitive with them, they're the ones that are emerging and they seem to be doing well."
After six open enrollment seasons under the ACA, health insurers who still participate in the marketplaces are hitting the "sweet spot," where they know how much premium the need to charge and turn a profit, Holahan said.
"It comes down primarily to their ability to negotiate with providers and get enough providers to come in at lower payment rates than in the commercial market. Then they'll have a big enough network. And for these Medicaid plans that developed networks to participate in Medicaid, it's not a giant leap for them to participate in the ACA market," he added.
"From a provider point of view, providers are better with getting a lower payment rate than having people go uninsured and not able to pay their bills at all. There are enough of them willing to accept that bargain."
Susan Rupe is managing editor for InsuranceNewsNet. She formerly served as communications director for an insurance agents' association and was an award-winning newspaper reporter and editor. Contact her at [email protected]. Follow her on Twitter @INNsusan.
© Entire contents copyright 2019 by InsuranceNewsNet.com Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent from InsuranceNewsNet.com.


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2Baba- 'Gaaga Shuffle' ( Prod. By Dapiano)
August 16, 2017 | Audio | No Comments|
Despite the attainment of legend status on the Nigerian music scene, Innocent Idibia, popularly known as 2Baba is not relenting. He keeps dishing out ever-green tunes that will outlive many good songs released by many artistes today. The music wizard who already has a hit single Holy Holy this year and who recently rolled a powerful inspirational song Hold My Hand, is out with a brand new one titled 'Gaaga Shuffle'. The lyrics the Dapiano-crafted instrumentation will set you in a party mood: 'As I wan crase I wan involve you for my f&$king crase/ Make you know say as e dey do you e dey do many too/ oya make do the gaaga shuffle'. This is one big, heavy hit party tune!
Listen, download and enjoy!
Download: 2Baba- Gaaga Shuffle


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The Dragons: Dayton's Home Run
Special | 26m 58s
For decades Dayton experienced the slow decline of its inner city. Downtown saw businesses and people moving to the suburbs, it was no longer a hub of activity. The Dragons: Dayton's Homerun is the story of how the Dragons came to Dayton and helped make the city a gathering place for everyone in the Miami Valley.
Aired: 10/17/01
Problems Playing Video? | Closed Captioning


text: When your home is victim of a plumbing emergency, your living room carpet, furniture, and electronics could be at risk for water damage. If you'd like to handle the situation as soon as possible without incurring additional damages to your belongings, contact your emergency plumber and plumbing business today. We have emergency plumbers on hand specifically for those stressful and panic-filled moments. So whether your basement has flooded or your pipes have burst, contact Culler Plumbing Services as soon as possible. We'll be waiting by the phone during any time of the day or night.


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Yearbook Style Guide: Our Adventure BookJul 17th 2017
Download this style guide here!
Scrapbook the adventure of your year in this whimsical and fun yearbook design.
Designed as an Adventure Book, this yearbook theme includes all of our online free templates, layouts, and clipart for your yearbook design.
This yearbook theme can be used for just about any organization including preschools, elementary, middle, high schools, and even non-profit and organizations together on a journey! Whether you choose to utilize our theme from the beginning of your yearbook design or just add layouts as you go, we've also included our recommended fonts, colors, and photo inspiration tips below.
Suggested Fonts:
- Dancing Script
- Cabin Sketch
- Special Elite
Suggested Color Palette:
- 77bfab
- e54135
- c9d032
Photo Inspiration:
- Multiple class photos during activities
- Have teachers capture new explorations and experiments
- Photograph all in- and after-school events
Capture your Adventure in this unique yearbook theme. Free Clipart & Backgrounds for this yearbook theme are available in our online design tool! If you'd like to request additional style recommendations or yearbook ideas, contact a yearbook design specialist. We're here to help you have the best yearbook ever!


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Professional Resources
American Academy of Child and Adolescent Psychiatry
The leading national professional medical association dedicated to treating and improving the quality of life for children, adolescents and families affected by these mood disorders. Composed of over 7,500 child and adolescent psychiatrists and other interested physicians, its members actively research, evaluate, diagnose, and treat psychiatric disorders.
American Association of Suicidology
The goal of AAS is to understand and prevent suicide, including efforts to advance Suicidology as a science, encourage the development and application of strategies that reduce the incidence and prevalence of suicidal behaviors, publicize AAS positions on issues of public policy, and promote research and training in suicidology.
American Foundation for Suicide Prevention
The leading national not-for-profit organization exclusively dedicated to understanding and preventing suicide through research, education and advocacy, and to reaching out to people with mental disorders and those impacted by suicide.
American Psychiatric Association
The world's largest psychiatric association, representing more than 36,000 psychiatric physicians from the United States and around the world.
American Psychological Association
A scientific and professional organization that represents psychology in the United States with more than 154,000 members.
Anxiety & Depression Association of American Resources for Professionals
The ADAA provides the latest news for clinicians and researchers, in addition to networking opportunities, professional development, and a free webinar series on generalized anxiety disorder.
Association for Behavioral and Cognitive Therapies
ABCT is an interdisciplinary organization committed to the advancedment of a scientific approach to the understanding and amelioration of problems of the human condition.
The Brain and Behavior Research Foundation
Committed to alleviating the suffering caused by mental illness by awarding grants that will lead to advances and breakthroughs in scientific research.
Clinical Psycho-Oncology: An International Perspective (book)
The level of psychological distress and the ability to adjust to a diagnosis of cancer are highly variable. Medical factors, psychological factors prior to diagnosis and social factors account for this variability. By understanding these variables, the clinician can better assess and manage the distress caused by the diagnosis and provide the most appropriate medical treatment or psychological intervention.
College Mental Health
The NNDC College Mental Health Task Group has identified a unique list of resources for use by professionals and college students. The Task Group project was developed to assist with the prevention, treatment and management of mood disorders within the college population.
The International OCD Foundation
An international not-for-profit organization made up of people with Obsessive Compulsive Disorder (OCD) and related disorders, as well as their families, friends, professionals and others.
The National Institute of Mental Health
The mission of NIMH is to transform the understanding and treatment of mental illnesses through basic and clinical research, paving the way for prevention, recovery, and cure.
The Substance Abuse and Mental Health Services Administration
SAMHSA's mission is to reduce the impact of substance abuse and mental illness on America's communities through 8 Strategic Initiatives.
We Search Together
Advances depression, bipolar disorder and mood research through encouraging volunteer participation and enhancing community-researcher relationships.


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MENTOR (AP) — Services have been set for a police officer who was struck and killed while assisting with a traffic stop outside of Cleveland.
Visitation for Mentor Patrolman Mathew Mazany is scheduled from 2 p.m. to 8 p.m. Sunday at Monreal Funeral Home in Eastlake.
After a short private service for family and law enforcement officers, a public service will begin at 11 a.m. Monday at Mentor High School.
Twenty-four-year-old Brian Anthony has pleaded not guilty to leaving the scene of an accident and tampering with evidence. Police said he fled after striking Mazany early last Sunday on State Route 2. Anthony reportedly told police he didn't know he had hit anyone.


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Do you wonder how the busiest individual stay motivated throughout his hectic schedule? Does it amaze you? Are you motivated as well?
It is not uncommon to find yourself in an event, where staying motivated is not possible, not at all. Well, it is one of those things that will seem out of control and it can happen at crucial moments, making it something you may even regret on the later part of your life. So, in case you are reading this, I assume that you want to learn how to stay motivated. Right?
Why Do You Lose Your Motivation?
If you have had a dream or goal, you know, very well, that desiring it is not enough. Regardless of what you desire might be, it is very easy to fall in love with it. However, in terms of getting a hold of it, it may not come easy. This is definitely where motivation, so as your motives come into the picture.
Here's the thing, when you started to desire, all you can see is your "want" for that thing and that thing alone. The psychological realization of all the obstacles lying in your path does not simply take place. The thing is, in life, such a concept doesn't apply always. You need to know that there are concepts that are also into places, such as the competition, hindrances, struggles and many more. These things can surely blow your mind.
Your mind will think that wanting something isn't enough. It will come to a realization that there are other forces that act against it. Your mind will start realizing the price this "something" has and on how to get to the objective.
People lose their confidence and motivation along the way and it's all due to some unexplainable reason. It could be all because of changes in your behavior and the existence of your motive.
How Do You Stay Motivated?
So, how would you never lose sight of your goals, keep your energy of achieving without losing your drive? In short, how would you be able to stay motivated?
First things first, you need to write down all of your goals. This will absolutely keep you on track and will leave no room for ambiguity. So, each time you see your goals written on a paper, you will keep yourself motivated.
Secondly, you need to divide and conquer. You need an emphasis on the importance of giving time to things you want to achieve. Should you rush, should you be in control and whatnot? You have to understand all of the steps involved in achieving all of your goals.
Lastly, accept the outcomes. You have to be very rational. You will stay motivated if you have a better understanding that some things will not happen the way you wanted. So, if you want to keep your motivation, try to accept all the outcomes, but keep your optimism.
So, if you want to stay motivated it would always be best to do those tips mentioned above. Make sure that you keep all your positivity and never let negativity and even simple failures affect your life badly. Keep in mind, every tomorrow is a new chance.


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Symantec's Android scaremongering last week wasn't all that justified it seems. Although the 13 apps that it pinpointed as malware aren't all that great, it appears they're actually slightly less vicious adware – something Windows users are horribly familiar with.
Symantec's adjusted its warning showing that the apps all use an advertising SDK that's capable of changing your home page, as well as adding bookmarks and shortcuts on the home screen – the kind of thing you get when you fail to check the "no, I don't want your rubbish" boxes when you install crapware on your Windows box.
So, it's not exactly five million malware infected phones, but some annoying crapware that you should avoid anyway – just not in the "oh my god it's a virus" manner, more in the "ugh, really?" frame of mind. [Symantec via Android Central]
Thanks Darrell!


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"We are all of us stars and we deserve to twinkle."
– Marilyn Monroe.
Victoria Hannah is an Australian senior designer and patternmaker who has over 40 years of experience in creating plus size evening dresses. She loves designing beautifully fitting gowns to help curvy ladies feel confident and empowered.
Victoria owns and operates her design studio and has over 4 decades of experience in creating evening gowns for all body shapes. She occasionally works with large corporate companies and high profile designers, but prefers working independently to create gorgeous bespoke garments.
To find your perfect size formal dress or evening dress, get in touch with Victoria today.
Black Plus Size Evening Gown.
My size 20 model is wearing a black silk velvet gown and slightly skims over the body to create a lovely soft silhouette. The gorgeous silk georgette wrap has been hand painted with red roses and complements a classy look.
Plus Size Evening Dresses For All Dress Sizes
Embrace a new look! Let's start the revamp now and luxuriate with coolness and confidence.
Free Consultation
Firstly, we have a video meeting where we talk about your design, fabrication, time frame and budget. We do this to see if we are a good fit – no pun intended!
Design Meeting
Secondly, we meet at my studio to take measurements before proceeding with the pattern to make the initial toile. At this stage, a deposit is required before starting any work.
Final Fitting
Finally, the day has arrived for you to pick up your gorgeous new evening dress. We make sure it is a perfect fit and you are completely happy. At this time, final payment is required.
My Happy Clients!
"Victoria has made me numerous outfits over the years and I have been extremely happy with what she has made me. She is an absolute professional and has a way of bringing together ideas in a collaborative and creative way..."


text: Teach for GCSAA Teach at GIS 2021 Are you a leading expert with the applicable, cutting-edge research superintendents crave? Are you a superintendent, assistant, or equipment manager who had a lightbulb moment improving results at your course or in your career? Find out how you can teach in GCSAA's industry-leading education program at the Golf Industry Show. GCSAA is looking for content with practical takeaways from educators, superintendents, assistant superintendents, equipment managers and other industry leaders. GCSAA accepts proposals of many shapes and sizes to ensure the annual education conference is packed with engaging education. Formats include seminars, sessions, workshops and panels ranging from 5-minute Lightning Round Learning talks to full-day seminars. Your audience may include golf course superintendents, assistant superintendents, equipment managers, and students. Topics range from agronomic content to environmental management and business, communication and leadership. For 2021, GCSAA is particularly looking for proposals in the following areas: Assistant topics Emotional health Equipment management Labor The submission process to teach for GCSAA at the 2021 conference in Las Vegas, Jan. 30 – Feb. 4, is now open. Proposals for 2021 will be reviewed by the Conference Education Task Group and notification of selections will occur in June. The deadline to submit proposals is 5 p.m. (Central) March 27, 2020. Questions? Email email@example.com Webinar presenters GCSAA hosts 90-minute live webinars created specifically for the golf course industry. Do you have a management challenge, or is there a current regional issue that would make an interesting topic for an upcoming event? We'd also like to know if you can recommend an expert who can speak on the topic. For more information about webinars, contact Lisa Wick, senior manager, e-learning programs. Equipment management videos In an effort to build equipment management resources, GCSAA is seeking brief (3-7 minutes) educational videos that provide hands-on demonstrations for equipment managers, assistants and superintendents interested in learning more about equipment. This collection, called 5-Minute Fix videos, offer quick and simple solutions to equipment-related issues. Watch and submit 5-minute fix videos. For more information, contact Lisa Wick, senior manager, e-learning programs.


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Dan Levy - Broker/General Manager
Dan Levy is just a phone call away for real estate agents needing urgent, on-the-spot advice. With over 50 years experience in the industry, Dan is a true veteran. He's enjoyed the trenches with a successful career in both residential and commercial real estate.
For decades since, Dan has honed his coaching, training and mentoring expertise with major brokerages. His priority as Broker/Manager at Royal LePage Realty Plus is guiding agents to discover their unique strengths and to realize their ultimate potential.
Helping new real estate agents master the ropes
"In this industry," Dan says, "fifty percent of one's business is simply showing up. The other 50% is knowing what to say and do once you arrive. This is where we excel."
Resources and training programs provide agents with the skill set they need to compete. "A lot of new agents don't really know how far they can go," says Dan, "it's our job to show them how self-accountability will cause personal and financial power."
Most people looking into the business don't appreciate the level of commitment it takes to reach their goals. Dan says real estate is tough because it's competitive and takes a huge commitment but it's easy in the sense that there are no barriers. "Earning power is unlimited for the confident self-starter," Dan says.
"Not everyone will make it. Not everyone will earn three or four million dollars a year because not everyone is prepared to give what it takes," he says, "but when someone leaves a job paying $50,000 to $75,000 annually to earn $150,000 or $250,000 with us, they've evolved. That's achievement."
Helping experienced real estate agents surpass their expectations
Although he's faced every imaginable market, hiccup and obstacle, Dan Levy says: "Anyone who thinks they know all there is to real estate is kidding themselves. I've been in the industry over 50 years and I'm still learning."
Dan feels many real estate agents with mediocre earnings could be exceeding their own expectations. "How is it that agents coming from another brokerage can join us and double their income in 18 months?" he asks.
First, the management team boasts a combined 100 years of experience in real estate. Dan says this translates to lead generation ideas that agents have never heard of – ways to expose themselves to consumers on a whole new level.
Second, Dan invests in building strong relationships to support an exchange of information. His goal is to reveal each agent's personal, unique trigger for success. "It's not about dishing out the same message all agents get from all brokerages," he explains, "The message needs to resonate with the individual."
"Everyone is unique and everyone has this pearl, this hot button at their core. It's our job to find it so they can activate their talents and grow – to write their own ticket and surpass their goals." Dan says, "The life of a real estate practitioner is like none other. It offers independence, being your own boss and the potential of unlimited income but most importantly, it offers a very high level of job satisfaction."


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When loading an MrSID raster into a geodatabase, it takes much longer than loading the same raster data in a different format.
MrSID raster datasets are normally highly compressed with a lossy compression algorithm. When loading MrSID datasets into a geodatabase, they are first uncompressed to get to the actual pixel values, which are then loaded into the geodatabase. The uncompressing of the MrSID encoded data results in the long processing time.
To reduce the overall processing time:
Note: In general, it is not recommended to load MrSID or other lossy-compressed raster datasets into a geodatabase. The storage space required is significantly increased over the original MrSID file, and the quality of the data is not improved. We recommend loading the original data from which the MrSID file was created.


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ST. RAPHAEL RESORT & MARINA (www.straphael.com)
The award winning fully renovated, 5-star deluxe hotel and marina, is situated on perhaps one of the best and largest Blue Flag accredited beaches on the outskirts of the lively cosmopolitan town of Limassol. A resort which provides for a small paradise on earth, with 5-star luxury amenities, promising you a comfortable and relaxing stay away from home.
All room have been fully renovated in 2018, with the latest amenities and facilities.
Special rates have been obtained for all the conference participants and by clicking on the link below, your reservation will be made:


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Elisabeth Adams dresses more than brides
The Florida Keys, Foxwoods Resort Casino and the Bahamas -- those are only some of the places where today's brides are getting married, said Debbi Negri, owner of Elisabeth Adams, the new bridal shop and accessories store on West Wooster Street in Danbury.
The shop is in the former space of Sterling Upholstery, which moved to Woodbury, said Negri, 51, of Brookfield.
"I've been seeing a lot of destination weddings recently. They tend to be smaller weddings surrounded by the people who love you most," said Negri, who describes her store as "a boutique with a touch of bridal."
All bridal gowns in the store -- which is named after Negri's granddaughter Elisabeth and her son Adam -- are $399. They are all ready-to-wear and can be purchased right off the rack.
Brands include Private Label by G, Maggie Sottero, Christina Wu, Emme Bridal and Cosmobella. Sizes run from 2 to 22. The gowns are available in white, eggshell, gold, silk and diamond white, which is a shade between bright white and ivory.
Bridesmaid and mother-of-the bride dresses, as well as dresses for other occasions, range from $159 to $300.
Jewelry, which dates from the 1920s to the present time, ranges from $20 to $150.
The store also sells vintage blouses, decorative pillows made from recycled jeans and reversible silk jackets. Hand-painted solid-wood furniture -- including dressers, tables, shelves and bedroom sets -- ranges from $79 to $600.
Newtown bride-to-be Lauren Poulter, 32, was elated to use Elisabeth Adams as a one-stop shop for her wedding this month.
Not only were her gown and jewelry purchased at the store, but her mother, grandmother, bridesmaids, maid of honor and flower girls found dresses there as well.
"Debbie gave me very personalized attention. I didn't get that factory feeling I usually get at other bridal stores, where I have to explain to the salesperson exactly what I want," Poulter said.
Before opening Elisabeth Adams, Negri had founded and operated for 12 years Cameo Bridal on Ives Street in Danbury.
She also co-owned K & K Entertainment, a disc jockey business, and Nob Hill, a vintage furniture shop, which both were in Danbury.
Negri said she believes women spend too much time focusing on their appearance, and tend to lose sight of the reason they are getting married in the first place.
"Women get so caught up in the gown that they forget that the beauty of the day is the sacrament they're making with the person they're marrying," she said. "The expression of love and excitement on a bride's face -- that's what makes her beautiful."