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Those who imagine themselves the cultural elites frequently resort to diagnosing their opponents with a variety disorders in order to explain the reasons for their disagreement. After all, when you're a smart, Ivy League-educated egg-head, the only reason someone would disagree with you is if there is something wrong with him that affects his ability to think rationally. So, those who argue for traditional marriage are homophobic. Those who support enforcement of federal immigration laws are xenophobic. And so it goes. Yet, there is one area where these self-proclaimed shrinks fail to recognize a phobia of their own: Guns.
Hoplophobia, according to Wikipedia, is the "fear of weapons" or the "fear of armed citizens." There is no better term to define the media's (and much of the political establishment's) reaction to the events in Denver this weekend. It didn't take long before members of Congress, the media, and scores of other people began calling for new gun control laws. The country was simply ablaze with the story. While truly tragic, a car crash in Texas that same weekend, which actually managed to kill more people than the shooter in Colorado, generated almost no publicity (even as a report came out indicating that traffic deaths have increased 13.5% this year). Yet, no one is talking about banning cars (or illegal immigration for that matter). So, what gives?
I think the reaction largely has to do with people's fear of guns. Some people are simply scared to death of them and would prefer not to have anything to do with them. This would explain why such things as the Federal Assault Weapons Ban (which effectively outlawed "scary" guns) remain popular in some circles. However, these hoplophobes ignore some rather crucial bits of information. First, the movie theater in Aurora was already a gun-free zone. Indeed, many of the places where these mass shootings occur are "gun-free" zones. Virginia Tech, Columbine, and most of the other high-profile shootings of the last 20 years were all gun-free zones. It turns out that these places were gun-free zones for everyone except the guy with the gun. Additionally, the hoplophobes also ignore many of the incidents where an armed citizen saved the day. Naturally, these incidents aren't reported by the media, because… well, nothing happened. All anyone hears about guns is how much harm they cause. No one ever hears about the number of lives they save.
Hoplophobes ought to work to overcome their fear. It's unknown what effect (if any) the presence of an armed citizen in the movie theater would have made. But how many times are we told that if some program or policy or law can save (or improve) just one life, it's worth doing (that's why we have ObamaCare, right?)? While such a fear of guns is certainly understandable, that doesn't make it any more rational. Guns are merely a tool, and attempting to ban or restrict their use will not prevent bad things from happening. If you ban guns, people will simply find more creative ways to kill each other. The fact of the matter is that there's evil in the world, and that is one thing you cannot legislate away.


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LSRadio NEWS
Ten years ago yesterday, Anthony Walker was chased into a park in Huyton and murdered because of his skin colour.
The racist killers hunted Anthony, who was of African descent, chasing him from a bus stop in Merseyside before bludgeoning him to death with an ice axe.
Paul Taylor, then 20, and his cousin Michael Barton, then 17 and brother of footballer Joey Barton, were found guilty of the 18 year old British student's murder with three other people being charged with helping the pair when they went on the run. Taylor and Barton are serving life sentences for the crime.
"A racist attack of a type poisonous to any civilised society."
– Lord Justice Leveson on the sentencing of Barton and Taylor for the murder of Anthony Walker.
The incident got a huge amount of media coverage, with Anthony's funeral being broadcast live on television.
It's safe to say this disgusting unprovoked act was one that shocked a nation and many hoped Anthony's murder might act as a catalyst for change regarding racial prejudice in Great Britain.
As a port city, Liverpool has strong historic links with the slave trade, the horrific effects of which having forged scars on multicultural relations around the world. Though many changes to mentality have occurred since the days of black slaves being forced under the control of rich white people, Anthony Walker's murder proved that in 2005, racist ideology still poisoned some white minds. It is with this in mind that we look at how, though somewhat improved in Britain in general, issues regarding racism are still extremely relevant in Merseyside.
Prior to Anthony's death, concerns of racism had become apparent, when unrepeatable racist graffiti was daubed on posters outside of Liverpool's International Slavery Museum. However, with the links to the slave trade already mentioned, even now there are still people spreading racial hatred on the museums advertisement. Recently, a sticker reading:
was stuck onto the museum's sign. Swastikas and other far right emblems have also been appearing around the museum. Clearly, despite the museum's desire to "challenge and educate" people's preconceptions of race to ensure nothing like the slave trade ever begins to reoccur, there are some people in Merseyside firmly planted in racist ideologies that aren't afraid to show it.
"People say Anthony Walker was in the wrong place at the wrong time. But should we live in a society where you can't walk freely without getting an axe in your head because of your colour?"
– Dr. Richard Benjamin, Director of the Liverpool International Slavery Museum via The BBC
There is a proportion of people in Britain that see racism as an irrelevant issue, but the statistics disagree. While many of us may be collectively more modern-minded than to believe anyone is any less relevant as a human being because of their race, gender or sexuality, hate crimes are on the rise:
There have been 1700 race hate crimes in Merseyside in the past year – that's a 13.4% increase on the statistic for a decade ago when Anthony Walker was murdered.
It doesn't take a genius to work out there's a problem. While statistics can't prove how many people are thinking racist thoughts, an increase in race hate crimes indicates an increase in people who believe it is acceptable to directly commit a crime towards somebody because of their skin colour.
However, some of this increase may also have been contributed to by the increased willingness to respond to crimes of race hate. It is, of course, very difficult to prove any kind of police ignorance, so we cannot assume that this is the case, but members of the public may now be more likely to report crimes, for example. But along with an increase in people willing to call out racism, for example the now common use of the tag #blacklivesmatter following several unlawful shootings in the USA, the increased function of social media in society has no doubt given racists a free and easy platform upon which to proclaim their views to a large group of people.
Liverpool is famous for its multicultural identity. From everything from the slave trade to the Irish potato famine, Liverpool was a hotspot for immigration, whether forced or not. For this reason, many Liverpudlians have elements of foreign heritage, but many of these people are still white, therefore mostly avoiding the discrimination that occurs due to skin colour. Liverpool has the oldest black community in the UK, and yet it is still rife with "institutionalised" racism.
The hatred inflicted on the International Slavery Museum, however, is before we even take on the subject of racism in football.
Once you get past the magical mystery of the Beatles that engulfs part of Liverpool's tourist pull, Merseyside is also home to two Premier League football teams, the love of this sport perhaps being the next biggest red and blue cultural slap you get upon entering.
However, as is true across the country, trouble with racism still runs in the veins of football, wherever you look in England.
Take Everton, for example. Emy Onuora, former Liverpool University student and author of Pitch Black: The Story of Black British Footballers, has compiled reactions he remembers to non-white players of the 1970s and 1980s. According to the Liverpool Echo, he recalls:
"One of the defining moments of my life came when I went to a game where Everton were playing Stoke and Garth Crooks came on as substitute…I must have been about 11 or 12 at the time and I'd never heard anything like 20,000 people giving a black guy racist abuse. I wasn't naive, there were only about two or three black families in our school so of course I was familiar with racist taunts one-to-one but this was completely different, I'd never seen something on that scale before…There were monkey chants, people shouting 'ni**er' and 'black b***ard', coming from adults."
This might have been a memory from over 30 years ago, but the point is that it set a precedent – Racial abuse at a football match is somehow different to abuse on the street, somehow more acceptable.
Fast forwarding to 2012, Liverpool FC were embroiled in a new race row when Oldham's Tom Adeyemi made a complaint of racial abuse against a Liverpool supporter. With the 20 year old defender left in tears, play was immediately halted. Not long before this incident, Liverpool FC's Luis Suárez had been handed an eight match ban for racially abusing Manchester United's Patrice Evra. This was three years ago. In 2012, people still think it is acceptable to shout abuse at a sportsman based on the colour of his skin. While it is true that sanctions are now placed upon racial abusers at football matches, the presence of the abuse in the first place indicates a much wider problem off the pitch.
An article by CNN has taken on the issue of racism, particularly among Chelsea supporters, but the perspective this gives is extremely telling. Taking the deep-rooted problem of racial prejudice out of the football stadium, Sheena McKenzie explores how racist attitudes have become a solid part of "lad culture". Personally I would recommend reading the article in full to draw your own conclusions, but, either way, thinking about the cultural impact of football and how that can expand into outside society is pretty valuable in an age where sometimes severely conflicting opinions are abundant.
This is just the beginning. Ten years after a horrendous attack on an innocent man, I have explored very few points, and within that ones only really focused on Merseyside. A drop in the ocean, racial prejudice is a whole lot bigger than one murder, and it's no good just raging at one highly publicised incident on television and then going back to doing nothing.
Racism is ingrained in society. History will tell you that. So if you see it, hear it or witness it, call it out. Especially if it's within yourself.

subset: commoncrawl


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Ramesh Mohan Library
The Library was established as an independent unit in 1958. The main objective of the Library is to collect, organize and disseminate information of books, journals, theses and other related documents relevant to the academic and research needs of the University. To realize this objective, the library through a well-defined book acquisition policy procures reading materials, organizes these materials on the shelves, and provides access to these materials through Online Public Access Catalogues (OPAC) placed in the main hall of the library.
The Library is a resource centre for academic and research activities in the areas of language teaching, linguistics, and literatures in English and foreign languages. A state-of-the-art library, it supports the academic work at the university by providing both print and digital resources. The entire collection of 1, 67,000 books and back volumes have been automated and the same can be accessed with the help of OPAC (Online Public Access Catalogue) within the library. The library has digitized the entire EFL-University theses collection and the full text of theses can be accessed within the campus.


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Moving can be chaotic, costly, and time-consuming. No matter the distance, after packing, hauling, storing, and unpacking, the moving process and cost may exhaust you — physically and financially. Here are 4 important moving tips to help you stay happy and on track:
Prep For Success
Generally speaking, the moving process will go much smoother if you plan ahead. However, for many individuals, life happens ( i.e, work, family, friends, budget….TIME) and as the story goes, many of us find ourselves scrambling to figure out the sticky logistical details at the last minute.
Checklists like this one can be extremely helpful in creating a timeline for your move. In addition, it's not a bad idea to plan ahead by setting aside a rainy day fund. Just ask the experts! Atlas Vans offers some great tips on how to budget accordingly for different phases in the moving process. Research is also important in the planning phase. Depending on the city you're moving to, cost of living along with countless environmental factors can play heavily into how you'll go about your day-to-day. From climate to culture, take the time learn as much as you can about your new community.
Donate or Ditch
Clutter can cause major issues when it comes to moving. Read this article to help you decide what you really need — and what you don't. Once you've decided which items will stay, take your clutter to the nearest Goodwill or recycling center.
Trip It or Ship It
After you've figured out which items you'll be keeping, you may want to start thinking about how they'll move with you. Cost is a major factor here — especially for large or valuable items. Do your research and find the best solution for your situation.
Grab a Moving Buddy
Whether it's a friend, neighbor, or family member, be sure to have a moving buddy. The fact is, when moving, doing it alone just isn't practical. Whether you're moving across town or across the country, you'll need an extra pair of hands — or two. It can be dangerous trying to move heavy or awkward items, and it can even be very dangerous. Besides, having someone come along for the ride will make the experience just a little less stressful!


text:
Cigarette Smoking
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text:
Interview with afos
A Forest of Stars – Interview First of all: Thank you very much for offering me this interview. You are the first band I am able to interview, so I hope I don't mess up *laughs* If you find any mistakes, please keep them as pets and feed them regularly *g* The Gentleman: Not a problem at all, we're quite new to all of this as well! Curse: I hope they're not vegetarians. Your n


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There's a big battle brewing in the world of dwarf wrestling -- and Hulk Hogan's caught in the middle.
On one side of the ring is the Half-Pint Brawlers, a Chicago-based dwarf wrestling company that formed six years ago and had an eponymous show on Spike TV last year.
In the other corner is Micro Championship Wrestling, a rival troupe of tiny grapplers based in Florida. They burst onto the scene recently in "Hulk Hogan's Micro Championship Wrestling," a TV show on which the Hulkster mentors his diminutive proteges.
Steve Richardson, the big cheese of the Half Pint Brawlers, says the new series is a rip-off of his program and makes him fighting mad, because it features wrestlers who couldn't cut it with him.
"I have no ill feelings toward Hogan, but half his guys are the guys I fired," Richardson told HuffPost Weird News. "They're using everything I came up with. There's no individuality. They're doing the same concepts. It's a violation of intellectual property rights."
Richardson, who wrestles as Puppet the Psycho Dwarf, is considering a lawsuit because he feels the similarities between Hogan's show and his are too close for comfort.
"People are confusing the companies because the slogans are similar," he said. "If they did their own thing, I'd be okay with it."
A spokesperson for Hogan declined to comment, but MCW owner Johnny Greene says Richardson is off-base.
"We had this idea first, but they rushed to Spike TV to get their show on the air, figuring whoever got on the air first would capture the audience," he told HuffPost Weird News. "But their show sucked. They were doing midgets and 'Jackass,' and ours is a real wrestling show.
"Puppet's just trying to grab on to our coattails and jump on the bandwagon because their business is dying," said Greene, who emcees bouts as Johnny G.
"The Half Pint Brawlers" filmed one short season of six episodes and are now looking for another channel to broadcast the show.
WATCH: WRESTLING AUDITIONS ON "HULK HOGAN'S MICRO CHAMPION WRESTLING" (Story continues below)
The Brawlers are known for a hardcore style that favors using weapons like staple guns, thumb tacks, broken bottles and barbed wire in the matches.
"[The Brawlers] are the hardcore midget wrestlers," he said. "We fight inside and outside the ring, and we're successful because of that."
The Hogan show is bad for the sport of dwarf wrestling because the fighting is low quality, according to the disgruntled Richardson.
He claims that Hogan and the MCW lifted heavily from the Brawlers, using everything from their catchphrases to their penchant for using a staple gun as a weapon.
Greene, however, argues that Richardson didn't invent the pro-wrestling theatrics. The staple gun, for instance, has wounded grapplers since the 1920s.
Adding insult to injury, Richardson says he has received a lot of tweets, email and calls asking for Puppet to appear on the Hogan show.
The list of Richardson's complaints certainly isn't a short one. He chastises the MCW for the soft physical specimens who enter the squared circle. Take the combatant known as Meatball, a 292-pound dwarf who worked with Richardson before signing with the MCW.
"Meatball is out of shape," he said. "He did one match when I needed someone quick and he did okay. But he got a big head and said, 'Why do I need to train? The crowd loves me.' We do three matches a week and if you're not trained, you can hurt your fellow wrestlers."
Although Richardson claims that he is considering a court battle, he also says he is open to settling his differences in a way more appropriate to his chosen sport.
"Yeah, I wouldn't have a problem settling this in the ring," he said.
Former pro-wrestling promoter-turned-political consultant Dave Teixeira believes Richardson's comments are simply a publicity stunt, especially considering his past working relationship with Hogan.
"I think they're doing what is called 'a work' in the wrestling world," said Teixeira, who now is a political consultant based in Vancouver, British Columbia. "That's where you try to trick people into believing something -- like this controversy."
Teixiera hasn't seen either show, but unless it can be proven that dialogue was stolen, he thinks Richardson's rant is mostly for show.
"This is the sort of thing that Hogan loves," he said, adding that he predicts the two groups will find a way to work together. "Pro wrestling is a small world. Almost everyone has been hired or fired by the other organizations. You're only enemies if you can't make money together."


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The "recipe" for the above photo "Land of milk and honey":
Used my own textures Emerald Isle at 35% Soft Light and
Lace Camisole at 65% Screen with strategic erasing
A couple of years ago, I was just getting into the groove of creating photographic art using techniques I'd developed through trial and error while learning Photoshop CS3. The above image is one that I produced back then (some of you may recognize it). The past couple of weeks, I've been revisiting this image in order to turn it into a suite of wedding stationery (hence this post).
When I first started honing the technique I now think of as digitally painting a photograph, I wasn't being conventional in my use of Photoshop. I use what is known in Photoshop vernacular as "destructive" techniques of erasing, burning (darkening), and dodging (lightening) directly on the layers of an image instead of using masks that were "non-destructive". I couldn't get my head around mask layers (still can't). I think it's because I need to see the result of every stroke of my stylus as I make it the way I see the result of every stroke of the paintbrush when I paint traditionally.
Secretly, I've felt like I'm "cheating", haunted with thoughts like, "If other Photoshop users knew what I was doing they'd be appalled because I'm using this tool the wrong way!"
Over time, I realized I'm not "destroying" anything with my technique, because I always work on duplicates of the original photo layer. Using the word "destructive" is... well... destructive.
When I decided to think of what I do as "strategic" erasing instead of "destructive" it changed my perspective. I've come to the conclusion that if it works for me, then it's okay. No one is here in my studio staring over my shoulder going "tsk tsk". The result is what matters. And if my techniques free me to create something I couldn't create otherwise, then I say, "So what?!?!"
It seems that life lessons I learn often come around full circle. Just as I had to get over a mental hurdle with embracing my way of digitally painting photographs, I've recently had to get over the mental block I've had about creating suites of wedding stationery. And the above photo is what led me through that journey.
Imagine me being a stationery designer but having a mental block about creating suites of wedding stationery! I'd tackle and conquer the designing and layout of a wedding invitation no problem. But when it came to designing the coordinating stationery (e.g., save-the-date cards, enclosure cards, response cards, etc.), I'd just poop out. I'd get a bad case of creative ADD and frolic on to the next pretty and shiny creative project that came along. Doing the layout of the same art again and again seemed too repetitive. And repetition=boring.
I decided that wedding stationery wasn't really my thing. I'd do other stuff instead.
That only worked for so long until I was approached by someone asking me to specifically design suites of wedding stationery for a new online venture in which they wanted me to be a featured designer. Talk about a good swift kick in the butt. It was time for me to get over the hurdle that I'd been avoiding.
In most of my creative pursuits I engage in a great deal of "mulling"--a process of thinking and thinking about something and letting it form in my mind. That's what I did.
I mulled...
and mulled...
and mulled.
If not reined in, mulling can transform from a stage in the creative process to a stage in the procrastination process. It almost happened that way for me this time. Fortunately, the image of "Land of milk and honey" swirled around in my head in all that mulling and began to form into stationery designs that intrigued me so much I had to get them out onto the computer and see them come to life.
Again, when I changed my perspective from thinking of designing a wedding suite as a "repetitive" process into thinking of the process as "evolutionary"... things changed. The creative ADD went away and was replaced with a fervent creative drive that kept me at the computer designing (often into the night). Nothing really changed except my perspective and the accompanying vocabulary with which I approached the creative task.
It's made me think... what else in my life could be approached with a slightly different "vocabulary" that would make all the difference? I suspect quite a lot.
What about you? Has this experience ever happened for you?


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> Indian Wedding Favors
Indian Wedding Favors | Indian Party Favors
Indian wedding favors are perfect to celebrate your wedding, engagement or celebratory party. Your guests will appreciate and love the unique design and detail of these items. Paisley, rich golds and deep reds are just some of the designs and colors our Indian party favors feature. Great favor ideas to incorporate at your Indian inspired event range from elephants and luxurious silk fans to beaded and mirrored boxes, and personalized themed labels and stickers.
Whether your wedding is traditional or modern; classic or contemporary, there are custom
wedding favors
to match.
Indian wedding favors
are unique and gorgeous - perfect for your ethnic wedding. In this section you'll also find our selection of
elephant favors
that are also popular choices for an Indian themed event!
Majestic Elephant Key Chains
Decorative Mini Elephant Favors (Set of 4)
Good Fortune Elephant Candles
Lucky Golden Elephant Place Card Holders (Set of 6)
Personalized Indian Jewel Mirror Favors
Personalized Indian Wedding Bubbles (Set of 24)
Indian Jewel Coaster Wedding Favors
Indian Henna Candle Wedding Favors (Set of 4)
Lucky Elephant Trinket Box
Indian Jewel Ganesh Wedding Favor Boxes (Set of 12)
Lucky Elephant Wedding Favor Boxes (Set of 12)
Indian Jewel Trinket Dish Wedding Favors
Personalized Indian Jewel Wedding Photo Backdrop
Indian Jewel Gold Wire Basket Favors (Set of 6)
Personalized Gold Indian Jewel Bottle Stopper
Indian Jewel Wedding Favor Bags (Set of 6)
Personalized Indian Jewel Water Bottle Labels
Personalized Indian Jewel Wedding Poster
Personalized Indian Jewel Goodie Bag Wedding Favors (set of 12)
Personalized Indian Wedding Directional Sign
Personalized Glass Coaster - Indian Jewel (Set of 12)
Gold Elephant Bottle Opener Favors
Gold Elephant Key Chain Favors
Blue and Gold Indian Theme Candle Favors
Gold Elephant Candle Wedding Favors
Lucky Elephant Ring Holder Wedding Favors (Set of 4)
Gold Elephant Key Chain Favors
Gold Elephant Wine Stopper Favors
"Good Luck" Elephant Candle Favors
Gold Elephant Bottle Opener Wedding Favors
Gold Indian Elephant Place Card Frame Wedding Favors
Lucky Golden Elephant Bottle Opener Favors
Silver Elephant Candle Wedding Favors
Lucky Elephant Golden Tealight Holder Wedding Favors
Indian Henna Jeweled Candle Holder Favors (Set of 4)
Indian Jewel Lantern
Indian Jewel Personalized 9 oz. Stemless Wine Glasses
Indian Jewel Personalized Gold Glitter Hand Fans (Set of 12)
Indian Jewel Personalized 9 oz. Stemless Champagne Glasses
Indian Jewel Personalized Gold Round Candy Tins (Set of 12)
Personalized Indian Jewel Gold Credit Card Bottle Opener
Personalized Indian Jewel Gold Bottle Openers
Indian Jewel Personalized 9 oz. Rocks Glass
Indian Elephant Mirrors
Lucky Golden Elephant Place Card & Photo Frame
"Lucky Elephant" Luggage Tag Favors
Indian Theme Stickers
Indian Theme Favor Tags / Place Cards (Set of 12)
Golden Lac Boxes with Beads and Mirror (Set of 4)
Lucky Elephant Place Card Holders (Set of 8)
Miniature "Good Luck" Wooden Elephants (Set of 4)
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Forms Of Co-Ownership. Identify the parties in the co-ownership.
Are two or more individuals, spouses, or entities such as
corporations and LLCs (Limited Liability Company) forming the
co-ownership? Decide how the co-ownership should be formed.
There are numerous possibilities including a simple partnership,
LLC, and a corporation. An LLC is more in tune with how the
boat should be held. As a hybrid entity, an LLC generally
provides some of the best features of both a partnership
and a corporation in terms of flexibility, limited liability, and
tax treatment.
Term Of The Agreement. The length or term of the agreement is
from your purchase date until one or both co-owner(s) sell their
interest in the boat.
Specify The Boat And Equipment. Once you have a specific boat
in mind, it must be specified in detail in the agreement listing the
manufacturer, model, size, and serial numbers. Also mention the
equipment, such as engines, dinghy, and navionics, as well as
the items on the boat that are not included in the agreement like
bikes, linens, binoculars, etc.
Selecting A Broker. If you are purchasing a new or used boat
and not selling an interest in a boat you already have, do you
want to use a broker to help locate the boat of your dreams? If
so, whom? If the co-owners have determined what make they
want, but don't have the particular boat picked out yet, then it
might be wise to use a broker who is familiar with that make
of boat.
Sea Trial, Pre-Purchase Inspection, And Haulout. When you find
the boat you want, both partners must take it out for a sea trial
to see how it feels and to determine if everything is working the
way it should. It is certainly wise to have an expert with you
during the sea trial and to inspect the boat, both in and out
of the water. A number of ABYC ( www.abycinc.org) experts
should be at the boatyard you choose and you or your surveyor
should decide which mechanics you want to look at certain items
on the boat. A surveyor, accredited by the Society of Marine
Surveyors ( www.marinesurvey.org), the National Association
of Marine Surveyors ( www.namsglobal.org), or PMM Technical
Editor Steve D'Antonio ( www.stevedmarineconsulting.com) are
great sources of expertise. This inspection will undoubtedly cost
a few thousand dollars, but could give you bargaining power
on the final price and will allow you to discover items that may
need attention.
Boat Closing And Registration. The co-owners must decide
where and how they want the boat registered. An attorney
knowledgeable in marine sales or a broker can assist in lien
searches, U.S. Coast Guard documentation, bills of sale,
escrow, and tax matters.
State Sales And Use Tax. This could be costly, but if you want to
keep the boat in the same location, you are probably going to
have to pay it. States are becoming more and more aggressive
Co-Ownership: Is It Right For You?
in collecting sales tax. Also, find out whether there is personal
property tax or a use tax in the state where you want to keep
the boat.
Financing. I strongly recommend against co-owners financing
the boat. If you do, then you will have to co-sign for each other
and if one of you defaults, for whatever reason, the other co-owner will be financially responsible for the entire amount. If
you need to borrow money for the boat, think of using a home
equity loan or other financing.
Insurance. The co-owners must agree to keep the boat insured
at all times and come to a consensus on the amount and type
of coverage. There are many considerations when purchasing
boat insurance, including type and amount of coverage (which
will be determined by your agreed value), boat location,
salvage insurance, partial loss, replacement cost (new or value
of loss), liability, protection and indemnity, medical payments,
personal property, uninsured boaters, towing, etc. Also, don't
forget to insure your dinghy, either as part of your boat or under
a separate policy. In your co-ownership agreement, stipulate
who pays the deductible if a mishap or claim occurs. It may be
a good idea to specify that the co-owner in control of the boat
at the time of the accident pay the deductible. In addition, set a
time limit for which the boat must be brought in for repair. Your
insurance company may have a say in who repairs the boat,
but in all cases you want to expedite the process. What if it is
neither co-owner's fault? Who is responsible for paying legal
fees if the LLC or the co-owners are sued?
Hailing Port. The co-owners need to determine the boat's home
port not only for the immediate future, but also for the next
couple of years. Take a look around together at marinas and
decide where you would like to dock the boat. Determine if
the marina meets both your needs for location, cost, amenities,
parking, smell, and noise.
Boat Scheduling. This is one of the drawbacks of co-ownership—the fact that you don't have the freedom to go
cruising whenever you please. How do you determine who gets
the boat and when? I recommend dividing the year in two-,
three-, or four-week blocks with each owner getting primary
use every other block. If one co-owner wants to use the boat
during the other co-owner's block of time, then just ask. The key
here is communication, flexibility, and cooperation. If the boat
is out of commission for weeks getting the bottom painted or
maintenance performed, don't schedule it all to be done on one
co-owner's block of time.
Leaving Home Port: How long, how far? This relates to both
scheduling and insurance. For purposes of insurance, you might
have location (latitude) limits depending on the time of the year,
such as during hurricane season. And as far as scheduling, you
can't take the trawler 600 miles out and back in three weeks (or
whatever your schedule period allows) unless you agree upon a
one-way trip for each partner.
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Prince George Made His First Appearance On The Palace Balcony Today
I have no idea what Prince Harry is doing with his tongue, but I do know it's my duty to crop this pic right around his head and send it to Michael K immediately.
Even though Prince George has appeared before his subjects countless times before, today was the first time he's ever done it on the Buckingham Palace balcony with all the other fancy Royal Family types. I guess getting invited onto the Palace balcony is a pretty big deal, because George was dressed in his fancy baby best. According to TIME, George wore the exact same outfit his daddy wore when he made his first appearance on the Palace balcony in 1984. You know you're about to do something very important when you see your mom pulling out a Space Bag and blowing 30 years worth of moth ball dust and dried-up spiders off of it.
But Prince George didn't decide to make an appearance on the balcony just because he felt like it. It was for The Queen's annual Trooping the Colour ceremony. I really one of The Queen's corgi's warned those pilots to keep their eyes on the sky, because I can imagine their flying would get all kinds of sloppy in the event they accidentally looked down at the balcony and got distracted by Prince George being adorable.
Not only was it a big day for Prince George, but it was also a big day for his mom. Today was Duchess Kate's first day back at work since pushing out Princess Charlotte six weeks ago. Maybe that would explain her hat; nothing says "Aw shit, back to work" like wearing a hat made out of a plastic bedpan.
Here's more of Prince George being cute as hell while watching a bunch of planes fly overhead during the Trooping the Colour ceremony earlier today.
Pics: Wenn.com


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I have to share another blog with you – then I promise I'll post my latest wedding. I love sharing things that crack me up. This is especially for the photographers out there. I had the pleasure of taking a week-long lighting workshop back in 2007 at the Maine Media Workshops, taught by one of the most well-respected photographers in the business, Joe McNally. Not only does he posses a wealth of photographic information, but he's genuinely a nice guy with a encyclopedia-like Rolodex of movie quotes in his brain… sounds like someone else I know. (Coincidentally, if you're looking for an EXCELLENT learning opportunity – a chance to work with one of the best, check out the workshops website)
Which leads me to my point….. Joe has an absolutely hysterical blog which is not to be missed by other photographers. Check out his most recent post about a very special valentine gift. Too funny


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New turkey decoys
We are riding a wave in new turkey decoys. Technology in plastics and polymers allows us to manufacture detail and realism never before achieved in the world of turkey hunting. The countries leading duck and goose decoy manufacturers are leading the charge. New turkey decoys from companies like Zinc, DSD, and Dakota Decoys have been working with these new polymers for awhile now, and the knowledge gained is forever changing the new turkey decoys available to rabid turkey hunters.
New technology means new turkey decoys
The old hard plastics used to make decoys in the 70's 80's and 90's are still a staple in low end chains, but the best new turkey decoys are all made from advanced polymer blend that combine shape memory, quite transport, and for the manufacturers who can figure it out, excellent paint adhesion. One of the major benefits is the mold release the new turkey decoys enjoy. This ease of release means manufacturers can enjoy design latitude never experienced before. Those deep cuts and body languages details that make a high end decoy come alive are now attainable with the help of a top notch carver.
Dave Constantine carved Dakotas new turkey decoys
For your new turkey decoy to be truly world class, it all starts with a world class carving. Dave Constantine is a living legend (he told me so), and he knows turkeys. An artist looks at things differently, and that is what allows them to capture the detail and nuances required to replicate nature. Constantine outdid himself with the arrogant posture he created with this new jake decoy. It screams 'come get me' to 95% of adult toms, and sets up some of the best shows in the spring woods. Get yours today at bestturkeydecoy.com


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FOXNOVO Professional Carbonized Bamboo Single Point Knitting Needles 18pair/36pcs Sizes 2.0mm-10mm
The set of items is 18pairs/36pcs professional single pointed knitting needles in 36cm length, which are mainly made of durable carbonized bamboo, and feature with ultra smooth finish that allows for a proper glide of the yarn so your hands won't feel tired - even after knitting for a long time. These knitting needles are supplied with wide sizes ranging from 2mm to 10mm, which will fulfill your varied knitting needs. Therefore, it is really a set of wonderful knitting needles for choice.
- Brand: FOXNOVO.
- 18 pairs /36 pieces of the carbonized bamboo knitting needles in one set will be sold together.
- Color: as shown in the pictures.
- Material: durable carbonized bamboo.
- Each needle length: about 36cm.
- 100% brand new and high quality Professional Carbonized Bamboo Single Pointed Needles Knitting Needles.
- 18 different needle sizes: including 2mm, 2.25mm, 2.5mm, 2.75mm, 3mm, 3.25mm, 3.5mm, 3.75mm, 4mm, 4.5mm, 5mm, 5.5mm, 6mm, 6.5mm, 7mm, 8mm, 9mm, 10mm.
- Single pointed knitting needles feel smooth in your hands.
- Perfectly round sharp point for a smooth knitting right from the start.
- Metric sizes are permanently marked on needles.
- Lightweight design, easy and comfortable to use.


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This Winter's storms have brought substantial rains and have gone a long way towards potentially eliminating our lingering drought. However, those rains have caused more immediate problems for the large number of homeowners who find their homes impacted with problems that were not disclosed to them by the Seller or Agents when they bought.
We are regularly contacted both by Buyers seeking assistance in getting relief as well as by Sellers and Agents who may find themselves subject to Buyers' demands that they pay for the repairs. The initial inquiry will always be whether or not the Seller had any knowledge of the condition and whether a disclosure obligation had been violated.
The Disclosure obligations of a Seller (or Real Estate Agent/Broker) arise both from California law as well as terms of the various Contract documents signed by the parties.
1. California Law requires that a Seller make numerous disclosures to a buyer concerning the real estate and structures. The most important of these is the Transfer Disclosure Statement ("TDS") which was created by the Legislature to disclose "known material defects" to a Buyer. Material means it reasonably affects the value of the Property. Obviously that can be one of perception but for a Buyer, the knowledge of this defect would require them to make the disclosure if they were to subsequently become a Seller.
2. California Assn. of Realtors provides the most widely used forms for real estate transactions and includes a number of additional disclosures that are required by Contract, not by California law. CAR publishes a Disclosure Chart listing all Disclosures, their use, and their legal basis, if any. The most important of these is the Seller Property Questionnaire ("SPQ") and the Agent's Visual Inspection ("AVID"). Interestingly, the CAR Chart only requires the AVID to be used if a Seller is exempt from providing a TDS, although commonly both are provided to the Buyer.
While all of the above primarily concern disclosure of existing known defective conditions, disclosure obligations specified in the Residential Purchase Agreement ("RPA") and SPQ also include disclosure of conditions on the Property that may have been repaired and not re-occurred, or which may never have even been a defect. For example:
RPA, Paragraph 11.A requires disclosure of "any known insurance claims within the past five years";
SPQ, Paragraph V. requires disclosure related to 14 separate categories of the Property's condition, both past and present. This is not limited to past or present defects but rather is inclusive of any repairs, improvements, pets, etc., and with few exceptions, existent at any time even if it were 40 years ago. As stated in the Note to Seller at Paragraph III, the Purpose is: "To tell the Buyer about known material or significant items affecting the value or desirability of the Property and to help eliminate misunderstandings about the condition of the Property". In clarifying what is meant by this, the SPQ instructs Sellers to "Think about what you would want to know if your were buying the Property today".
Taken together, the additional CAR Disclosure requirements, while not legally mandated, certainly achieve their objective of more fully informing a prospective Buyer of the history of the Property, not just its existent defects. The value of this can be very important such as, for example, that the Property flooded in heavy rains 10 years ago. For the Buyer that closed last Summer, this information would be material if their Property is now underwater and they otherwise would not have expected this to happen.
Bottom-line: While Disclosures go a long way towards educating a Buyer and thus reducing the risk of future legal liability, they will never fully address the issue of defects which a Seller intentionally or inadvertently failed to disclose. For these, a Buyer will still have to prove that they were damaged from a materially defective condition of which the Seller knew and intentionally failed to disclose, and that the Buyer could not have known about through their own reasonably diligent inspection. For Agents and Brokers, the best way of staying out of being named in any such lawsuit, is to make sure that the Seller completes the requisite Disclosures and that their client, Buyer or Seller, read and understand what has been disclosed.
For over 20 years, the attorneys of BPE Law Group, P.C. have been advising and representing Buyers, Sellers, Agents, and Brokers on legal issues arising out of Disclosure obligations and other real estate and business related matters. Check us out on the Web at: www.bpelaw.com. If you would like a consultation with us, please call our office at (916) 966-2260 or e-mail Steve Beede at firstname.lastname@example.com.
This article is not intended to be legal advice, and should not be taken as legal advice. Every case requires review of specific facts and history, and a formal agreement for service. Please feel free to contact us if you need legal advice and are interested in seeing if we can help you.


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Use Professional Assistance for Chemical Engineering Homework
What is Chemical Engineering?
Chemical Engineering can be defined as a branch of engineering, which is utilized to change crude materials into complete products, through procedures which as a rule include physical or concoction changes. The field of compound building envelops physical and physico synthetic changes of natural and inorganic materials of renewable assets such as rural and organic materials and of non-renewable assets like minerals, metals, coal and petroleum. Any concoction innovation includes three stages – the treatment of crude materials, the synthetic change and the partition of craved items. Chemical Engineering as a course of study can think to be of late starting point amid mid twentieth century.
In technical terms, it can be said that it is the branch of engineering, which mainly deals with the utilization of the standards of physical sciences, together with the standards of financial aspects and human relations, to the fields that relate specifically to procedures and procedure prerequisites in which matter is dealt with to impact an adjustment in state, vitality substance and organization.
Some of the main subjects of chemical engineering include:
- Process Engineering
- Materials Engineering
- Molecular Engineering
- Biomolecular Engineering
- Corrosion Engineering
These are some of the major fields of Chemical engineering, which have equal weight age but depending upon the choice of students, he can select any field of his interest.
Need of Chemical Engineering
In this modernized world, there are number of compound commercial ventures set-up so as to satisfy the interest of developing populace. In this way, every industry requires a capable Chemical Engineer of individual field to acquire the coveted item. Substance Engineers achieve numerous assignments like the planning of machine for synthetic handling and creating thoughts to change over crude materials into a useable structure. The errand of arranging and working in substance industry is likewise looked on by the Chemical Engineers. Concoction Engineer works in each division, for example, sustenance preparing, medicinal services, Ecological, planning, etc. Subsequently, Most of the understudies seek after this region of Engineering for their brighter future.
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24×7 Assignment help have profoundly qualified Chemical Engineering mentors who are capable of providing you the best Chemical Engineering Assignment Help. They have deep insight about their subjects and can easily help you in completing your Chemical Engineering Assignment.
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In order to avail their help in completing your Chemical Engineering Assignment or Chemical Engineering Homework, you just need to send them the contextual analysis or even name of the subject for which you are looking for Chemical Engineering homework Help and they will then forward it to their coaches for audit.
Why you should choose 24×7 Assignment help?
They know that the topic which comes under chemical engineering is not at all simple. It requires time for understudies to get a handle on each data and comprehend the fundamentals of the subject. And while studying for their academics, if students have to finish their assignments too, they get less time to study and accomplishing both the tasks becomes quite complicated as well as difficult for them. Many a times, we have seen students struggling to meet the deadlines in order to submit their assignments, but fail to do so, And then as an outcome, they get tensed to get lower marks or even have the fear of failing in that subject.
The team comprehend that getting a decent evaluation is imperative to expand the general score. Consequently, their group of tutors arrives to help you in the most ideal path for your chemical engineering homework.
They have a totally dedicated and talented team of mentors to assist you in your Chemical Engineering homework Help or assignment. Irrespective of your university, they provide you attractive solutions according to the interest of your instructors and teachers. This is because their team of task assistant incorporates coaches from various countries, so relying on your inquiries; they will allot the best mentor for the task.
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In order to get good grace and keep a track of your time while pursuing chemical engineering, you need some extra help with your assignments and homework. You can use the professional assistance and get your work done with guidance and within the time of your deadline. Whenever you send them a Chemical Engineering Assignment subject, bear in mind to say the due date. Kindly do send the related and significant data, for example, data, presentations, examinations and so forth, which will offer the coach some assistance by providing Chemical Engineering Assignment Help on time.


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Situated in the heart of Edinburgh, Central Hall is an iconic venue, in the famous Tollcross high street. It stands out as a fine piece of architecture and was built by the Methodist Church back in 1901.
Central Hall
2 West Tollcross
Central Hall is fully accessible by all major transport links. Below are some directions via the most popular transport routes.
Central hall is a short walk from Edinburgh Haymarket Station or a 15 minute bus ride from Edinburgh Waverley Station.
Tollcross is well served by a number of Lothian Bus services.
Lothian Buses 10, 11, 15 and 16 can be boarded from Princes Street, city centre. Lothian Buses 23 and 27 can be boarded from Hanover Street, city centre. All with stops within 2 minutes of Central Hall.
The major roads, M8, A702, A1 and A90, all serve Edinburgh. We recommend parking at the Castle Terrace Car Park, which is a ten minute walk from Central Hall.
All major UK airports fly to Edinburgh Airport.
To reach Central Hall on arrival, you are best to take a taxi from outside the terminal building into the City Centre (approx. 20 minute journey). Many will know the venue by name or you can ask for 'West Tollcross' opposite the 'CAV club' where the venue is located.
Alternatively, there are frequent services to Edinburgh City Centre served by the Airlink 100 Bus and the tram, get off on Shandwick Place and walk up Lothian Road past Costa and Tesco on your right, take the next right onto West Tollcross and find the Central Hall entrance immediately on your right.
MAGFEST, PPA, The White Collar Factory, 1 Old Street Yard, London EC1Y 8AFE: firstname.lastname@example.com
© magfest.co.uk 2018All rights reserved


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I am excited to announce my WordPress blog. You will see a link to it in the top, horizontal menu, called SchoolTalk, or you can click on the image to the left. Feel free to explore it. To register, you will need a valid email address.
Home | Link2 | Contact
Copyright © 2009-2012 Mr. Grant All Rights Reserved.


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Terms of use
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Delivery and Customs
Please see our delivery page for information on timings and costs of delivery. We will use our reasonable endeavours to deliver the goods or services within the times indicated. However, where delivery times and dates are given, they are for general guidance only and we will not be held liable for late delivery of goods caused by circumstances beyond our reasonable control. We shall attempt to deliver the goods to the address you specify for delivery, or if none, to the credit card address you supply. You are responsible for making arrangements to receive the goods and if the goods are held at the post office or other delivery company's depot because no one was available when the goods were delivered then it is your responsibility to swiftly collect the goods. It is important that the addresses supplied by you to us are accurate. Please note that we are currently not able to deliver to P.O. Boxes or military bases. To give you a more straightforward service, the prices you pay includes any duties or taxes applicable to the USA, Canada, UK and the remainder of the European Union, which we will settle on your behalf. If duty rates change, we reserve the right to charge extra or not to supply. It may not be possible for us to deliver to some countries, if an order is received with a delivery address outside the territories stated, you will be contacted by our customer service centre. **Please note that any duty and/or administration charges incurred by your parcel being delivered overseas will need to be settled by you as Art of Turtle will not be held liable for these.
Engraving, soldering and repairs service
Engraving, soldering and repairs service We offer both hand and machine engraving on specific products and also soldering of charms on selected bracelets and necklaces. Both services take an additional 5 working days excluding delivery. For more information, please call one of our customer service advisers on +30 216 7002405. Our items are manufactured to a very high quality. However, should you require it, we offer a repairs service. For more information on the price and timings of this service, please call one of our customer service advisers on +30 2167002405 or visit one of our stores. We only offer our engraving, soldering and repairs service for items that you purchase from us.
Making Returns
You can return items within 28 days of purchase. We will be happy to exchange or refund your items with proof of purchase or valid gift certificate Sale items may only be exchanged during the sale period with proof of purchase. Regrettably, items engraved or soldered cannot be refunded or exchanged unless they are defective or faulty. Purchases made via the Internet or via Mail-Order cannot be returned to one of our shops. Pack the items back in the parcel, include the paperwork and send it back to: Art of Turtle kladu 8, Plaka, Athens Greece When returning items you are strongly recommended to obtain proof of posting. We cannot accept responsibility for parcels lost in transit. A prompt refund of the price of the goods will be issued once all the information referred to above is received. The credit card used for the original purchase will be credited with the original price. If there are any problems with your refund, a member of our customer care team will contact you. For all returns, except where the item is faulty or dispatched in error by us, you will be required to arrange and pay for the return of the products to us.
Contract for sale or services
The description of the goods, services, price, currency, VAT and delivery costs are set out on the order page. The advertising of products and services on this site is an 'invitation to treat'. That means your order is an offer and no contract of sale is formed between you and Art of Turtle until you receive the 'confirmation of order' email. Orders shall be accepted at our sole discretion but are normally accepted once credit card authorisation has been confirmed, the order reflects current pricing, stock levels have been checked or in the case of services we can offer the service you require. Once we accept your order, you shall pay the price for the goods or services plus VAT and delivery and other costs specified on the order page and we shall charge your account for payment. Please keep your "confirmation of order" e-mail for your records. In exceptional circumstances, if we are not able to full fill an order we have accepted, your credit card will be re-credited with the original price and we will notify you by email. In no circumstances will we be liable to you for any additional amounts. These terms and conditions cannot be varied except by changes made by Art of Turtle on the site, which we may make from time to time. Proposed changes to the terms and conditions will be notified to you by e-mail or flagged for your attention when you log onto the site for a new session. Your continued use of the site after such notification shall be taken as your full acceptance of such changes. You will only own the goods you purchase once they have been successfully delivered and when we have received cleared payment for them in full. Until that time we will retain title to the goods. Goods supplied are not for resale.
Cancellations and exchanges
If you realise you have made a mistake and want to cancel your order, please contact us as soon as possible. Since we ship quickly, it may not be possible to stop your order so please follow the instructions for 'Making Returns' in those instances. Please follow these instructions for exchanges as well. It will be faster to re-order a product rather than send it back for an exchange, so please follow the above instructions while you order the product you would like instead. We realise this means two transactions on your credit card but feel it is faster for you to get the product you would like. If we are providing repair or engraving services we cannot cancel your order if we have already started the work.
Defective and damaged items
Should you receive an item you have ordered that is defective, damaged or not what you ordered, please contact us as soon as possible. Our personal shopping consultants will help you resolve any issues as quickly as possible by delivering another item, replacing your order or refunding the amount paid.
Customer care and call centre hours
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Excluding any explicit exceptions made (intellectual rights of third parties, associates and authorities), the entire content of the website, including pictures, graphics, photographs, designs, texts, services provided and all files of this site in general are property, registered trademarks and services trademarks of ART OF TURTLE, having its registered office in Achilleos 75, Glyfada Athens, Greece and of its providers and are protected by the relevant provisions of Greek and European law as well as those of international conventions. Therefore, none of those may be in whole or in part the subject of sale, copy, amendment, reproduction, republication nor uploaded, transferred or distributed in any way, excluding cases of isolated saving on a simple personal computer for personal and not public or commercial use and without deletion of their indication of origin from the website of this present Store. The remainder of the products or services which may be mentioned in this present website and which bear trademarks of organizations, companies, associated authorities, fusions or publishers respectively, constitute their intellectual and industrial property and therefore those authorities bear the relevant responsibility.
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The pool of Bethesda is famous. Its name has been borrowed by countless hospitals and medical centers, and by a town in Maryland that is a bedroom community for WashingtonDC. One of the distinctions of Bethesda, MD is that it has one of the longest subway escalators in the world. To come off the bright street to be confronted by that steep descent into darkness is very much like looking into the mouth of the Underworld. Bethesda is the right name for the subway station, as well as for all the hospitals.
You can view a splendid winged version of the angel of Bethesda, designed by Emma Stebbins, at a fountain in Central Park in New York City. However, this feminine angel is very unlike the one that troubled the waters at the original Bethesda.
You may have heard of him, as I first did in Sunday school, in the King James version: "For an angel went down at a certain season into the pool, and troubled the water; whosoever then first after the troubling of the water stepped in was made whole of whatsoever disease he had." [John 5:4]
His presence explains the "multitude" of the sick, the lame and the impotent who are gathered around the pool at Bethesda, in hopes of healing, when Jesus arrives and performs one of his best-known miracles. Jesus cures a lame man by telling him to get up and walk. The lame man had been waiting by the pool for years in hopes that some day he would manage to get in first when the waters were troubled, but the moment had always been snatched from him.
In modern revisions of the New Testament, the angel of Bethesda disappears. The whole verse that presents him has been excised from the New Revised Version, the New American Bible and the New Jerusalem Bible; you'll only find it in a footnote in minuscule type. The learned justification for this blue-penciling is that John 5:4 is missing from the earliest Greek manuscripts of the Gospel of John, and contains expressions that do not conform to its style. [cf Andrew T. Lincoln, The Gospel According to John. New York: Continuum, 2005, p.206n.4]
Without the angel, the mystery of why a multitude is waiting for the troubling of the waters is unexplained. Are all these people simply convinced that the waters of Bethesda have healing properties that are augmented when they gush more strongly from the nearby spring that feed them? We can't understand what is going on here until we grasp that before textual scholars deleted the angel, early Christians deleted a pagan god, who was literally born from dreams and healed through dreaming.
French scholar Antoine Duprez made a careful study of the archeological evidence from Bethesda that suggests at least three stages of religious activity around the Pool of Bethesda. The earliest is a complex of pools and grottos from the second century BCE. This was likely a place of sacred healing, but the evidence does not tell us in whose name it was conducted. The structures of that time were destroyed, along with much of Jerusalem, in 70 CE. "They were replaced by a sanctuary of the healer-god Asklepios-Serapis", a composite deity. This sanctuary was replaced in turn in the fifth century by a Christian church commemorating the miracle of John 5. In the tenth century, the Crusaders built yet another church, dedicated to St. Anne, on top of all the above.
Who was first worshipped at the site? Duprez argues that given the popularity of the Asklepian religion in Syria, Palestine and Egypt in Hellenistic times, it is entirely likely that a healing temple was operating at the gates of Jerusalem, near the Roman garrisons.
Against this backdrop, textual analysis of John 5 suggests that a creative editor took an older miracle story and relocated it at Bethesda, the site of a popular pagan temple of healing (just as churches were often built at pagan places of power) in an effort to claim the glamour of the old religion for the new one. In this analysis, John 5 is the first testimony to the struggle between primitive Christianity and the religion of the healing gods, which centered on dreaming at places of power where prayer had been valid.
Adapted from The Secret History of Dreaming by Robert Moss. Published by New World Library.


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I shall wear plaid pants
and a striped shirt that doesn't go, and a wide colorful tie.
When the weather is warm, I'll wear shorts
and brown sox and sandals, and no shirt
(though the scar from my heart by-pass will show.)
I'll buy a red corvette convertible and a French Beret,
and drive too slow,
and make a left turn from the wrong lane.
Then I'll wave at the fellow
who shakes his fist at me.
I shall pick up empty soda cans along side the road
and carry them home
in a plastic grocery bag to be crushed and recycled.
I may push carts at the super market and pack groceries.
Or I might greet customers at Walmart
with a friendly "Hello" and a smile.
I'll flirt with waitresses and the young female bank tellers.
-------------------- but for now I must wear my three piece suit
with a shirt and tie that go together.
and wing-tipped cordovan shoes, and executive sox.
I drive our family sedan and fasten my seat belt,
and am an example to our children.
I go to work each day and come home each afternoon to eat
the proper healthful, low cholesterol dinner,
being careful to remove my shoes at the door so
as not to track on the light colored carpeting.
But maybe I ought to practice a little now
so folks won't be too surprised
when I am old
and wear plaid pants and a striped shirt.
Copyright Louise Stenson


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Business Mantra: Faridabad
(Farmers, Security Guards and Vegetable Vendors are Mallya's Guarantors)
Bank Name – Bank of Baroda (B.O.B)
Borrower Name – Kingfisher airlines (Vijay Mallya company)
Loan Amount – Rs.550 Crores
Details of Guarantors:-
|Name of the Guarantor
|Profession of Guarantor
|Balance in Guarantor Account
|Man Mohan Singh
|Four lacs (crop loan )
|Subhash R Gupta
|Vegetable Vendor
|Khar ( Mumbai)
|Information Unavailable
|Subhash R Gupta
|Security Guard
|Ville Parle (Mumbai)
These person, a vegetable vendor, security guard and a farmer cannot be guarantors, to Mallya's company borrowing Rs. 550 Crores from Bank of Baroda. Everybody can understand, but officers of Bank, who are sanctioning and monitoring loans worth Rs-100s to 1000s Crores cannot understand. If it is like that than it is really shameful.
But anyone, who has been associated with Banks, whether as Banker, or as borrow, or as consultant could very well understand that bankers knew, these persons are not actual guarantors. Actual guarantors were some other persons with similar names and were big shat corporate personalities. But while taking the guarantee, banker have not taken proper care in documentation and even did not know, who the guarantors were?
So, what is happening even often central governments guarantee through CGTMSE (CREDIT GUARANTEE TRUST FOR MICRO AND SMALL ENTERPRISES), a needy borrower, is finding it every difficult to get even very small loans of 1 lacs to 10 lacs.
So, not only the money earned and income is concentrated in few hands. But authorized or unauthorized, logical or illogical bank borrowings are also concentrated in few hands.


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Even though this recipe is called "Cheesecake", it really tastes more like pumpkin pie and the texture is more pie-like. I liked it because some of the other vegan pie recipes tend to turn out a little too soft and I think the soy cream cheese helps to keep this firm. This recipe actually makes more filling than for just one pie so I saved the filling and made another pie the next day since there weren't any pie leftovers from Thanksgiving!
Pumpkin Vegan Cheesecake
1 12 oz. package firm silken tofu (Mori Nu)
1 8 oz. container vegan cream cheese
1 cup pumpkin puree
1 cup granulated sugar (I used evaporated cane sugar)
3 tablespoons flour
1/2 teaspoon ground ginger
1/2 teaspoon ground nutmeg
1 1/2 teaspoons ground cinnamon
1/4 teaspoons ground cloves (I didn't use)
1/2 teaspoon baking soda
1 crust recipe below ( made pecan crust – fantastic)
Preheat oven to 350 degrees, puree all ingredients in a food processor.
Pour into the crust (recipe below)
Bake for 50 minutes (or longer if still not set). Let cool and refrigerate.
Pecan Crust
The Joy of Vegan Baking CB by Colleen Patrick-Goudreau
3/4 cup pecan halves
3/4 cup quick-cooking oats
3/4 cup whole wheat pastry flour
1/2 teaspoon cinnamon
pinch of salt
1/4 cup canola oil
3 tablespoons pure maple syrup
Preheat the oven to 350 degrees. Lightly oil a 9-inch pie plate.
Spread the pecans on a cookie sheet. Toast for 7 to 10 minutes, or until the smell of nuts fill s the kitchen.
Combine the oats, flour, toasted pecans, cinnamon, and salt in a food processor bowl. Pulse until the mixture becomes a coarse meal. Pour in the oil and maple syrup and pulse until the dry and wet ingredients are just combined. Press this mixture into the prepared pit plate. Bake for 10 minutes, then set aside to cool.


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August 2017 | Colleen Moore, Kathy Reeves Bracco, and Thad Nodine
This brief is the second in a series that is examining California's approach to gathering and sharing longitudinal data about students' progress through state's education systems.
November 2016 | Colleen Moore, Brock Grubb, and Camille Esch
This brief is the first in a series that will explore California's approach to tracking, sharing, and using longitudinal data about student progress throughout the state's education systems.
September 2011 | Nancy Shulock, Jeremy Offenstein, and Camille Esch
This report uses data from the Delta Cost Project to analyze revenue and spending patterns across California higher education. The report compares patterns across California's three public higher education systems (University of California, California State University and the California Community Colleges), documents changes over a seven-year period for which data are available (2002-2009), and compares California to the rest of the nation. Researchers conclude that policymakers' traditional approach to fiscal planning is inadequate for today's challenges and recommend greater transparency in spending and revenues and a more strategic and state-wide approach to financing higher education.
August 2011 | Colleen Moore and Nancy Shulock
This report examines the importance of declaring and entering an academic program of study for community college student success and completion. Researchers track an entering cohort of community college students over a six-year period through programs of study to completion of a certificate, associate degree or transfer to a university. The study used student course patterns to identify those who entered a program of study in 21 program areas across the liberal arts and sciences and career technical education, and found that entering a program of study is an important milestone on the path to college completion.
July 2011 | Colleen Moore, Jeremy Offenstein, and Nancy Shulock
This report uses national data to take an in-depth look at California higher education performance in relation to other states and by region and by race/ethnicity. It analyzes California's postsecondary performance in the categories of preparation, participation, affordability, completion, benefits and finance, finding that the state's performance is average, at best, and trending downward. This report is the fourth in a series of reports previously titled The Grades are In, which followed the publication of the National Center for Public Policy and Higher Education's bi-annual Measuring Up reports that graded the 50 states on their higher education performance.


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|Pier 59
This was a weird season for New York Fashion Week, right? I mean, we were all thinking it. The stripped down venues that were like at least 15 minute cab rides away from each other; the presentations trumping the runway shows; tons of designers opting for off-site venues... It was different. But, still very enjoyable! I met a ton of great people and was introduced to some very cool up-and-coming designers - which is basically all I care about! Unfortunately, though, I was super busy and spent most of the week working from the office. It was hard getting away to go to each show (and to make it on time without spending a fortune on cabs). So, I didn't get to see every show I was invited to... but here are a few snaps from my week. Of course in black and white...
|Outside Milk Studios (Hat: Goorin Bros, Backpack: ASOS, Shoes: Timberland)
|Backstage Pier 59
|Most Notable Trend: All white everything (Jay Godfrey SS '16)
|My Fav NYFW collection: Ground Zero SS '16
|My Fav Performance: Petite Meller, of course (Liberty Theater)
|My Fav Party: Sext Pixels Fashun Tweek Party (Pink balloons, candy, vodka, selfie sticks... Need I say more)
|My Fav Designer to Watch: Sarah Lathrop of Sext Pixels


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|Berrylike is a Scrabble word. Scrabble point value for berrylike: 18 points.
|Berrylike is a Words with Friends word. Words with Friends point value for berrylike: 18 points.
Above are the results of unscrambling berrylike. Using the word generator and word unscrambler for the letters B E R R Y L I K E, we unscrambled the letters to create a list of all the words found in Scrabble, Words with Friends, and Text Twist. We found a total of 104 words by unscrambling the letters in berrylike. Click these words to find out how many points they are worth, their definitions, and all the other words that can be made by unscrambling the letters from these words. If one or more words can be unscrambled with all the letters entered plus one new letter, then they will also be displayed.
1. resembling a berry
|Words that start with berrylike
|Words that end with berrylike
|Words that contain berrylike


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The Charter Trustees of the City of Bath
Before the local government re-organisation in 1996 the Mayor was the Chairman of Bath City Council. Now the Mayor is Chairman of the Charter Trustees and the Ambassador for the city. This is a non-political role promoting Bath, nationally and internationally, and supporting the local community.
The Charter Trustees are the 32 Councillors elected to represent the wards in the city on Bath & North East Somerset Council. There are usually four meetings each year and the Mayor is dressed formally in robe, jabot, Collar of Office and hat. As Charter Trustees the Bath Councillors maintain the traditions and functions of the Mayor and hold historic and ceremonial property, in particular Charters (the ancient documents devolving power from various monarchs over many centuries), the Insignia (Collars and Badges of Office), Civic Regalia (two Maces, City Sword, robes and City Watch Staves), and the City Plate (gold and silver collection).
Financially, Charter Trustees are treated as a Parish Council. They raise a precept on the Council tax payers of the City, which must be spent and accounted for in the same way as any other Council.
Each year the Charter Trustees of the City of Bath elect one of their number to be their Chairman and Mayor of the City of Bath and another to be Vice Chairman and Deputy Mayor of the City of Bath. They also elect a Committee of seven Charter Trustees to oversee the day-to-day functions of the Mayoralty and the Charter Trustees.
Full Meetings of the Charter Trustees 2019
Tuesday 22nd January 2019 at 6pm in the Council Chamber, Guildhall
Thursday 25th April 2019 at 6pm in the Council Chamber, Guildhall
Saturday 1st June 2019 at 11am in Bath Abbey
Tuesday 8th October 2019 at 6pm in the Council Chamber, Guildhall
Agenda & Minutes of Meetings
To view the Agenda's & Minutes of previous meetings click on the links below.
Meeting 94 January 2019. Agenda Click here
Meeting 93 June 2018. Agenda Click here Minutes Click here
Meeting 92 May 2018. Agenda Click here Minutes Click here
Meeting 91 January 2018. Agenda Click here Minutes Click here
Meeting 90 October 2017. Agenda Click here Minutes Click here
Meeting 89 June 2017. Agenda Click here Minutes Click here
Meeting 88 May 2017. Agenda Click here Minutes Click here
Meeting 87 January 2017 Agenda Click here Minutes Click here Background papers Click here
Many of the original Towns have subsequently achieved Parish status and now have a Town Council with a Mayor - Banbury, Beverley, Bridgwater, Daventry, Dover, Deal, Folkstone, Hereford,and Newbury, Weston-super-Mare. However, 12 of the original towns remain Charter Trustees. These are Bexhill-on-Sea, Burton-on-Trent, East Retford, Grantham, High Wycombe, Kidderminster, Lowestoft, Mansfield, Margate, New Sarum (Salisbury), Ramsgate and Worksop.
The creation of new Unitary Councils in the last few years has resulted in more town or City Councils being abolished, with the potential loss of Mayoralty after a period of several hundred years. The Charter Trustees Regulations 1996 were brought into force and, on 1st April 1996, the City of Bath and the Towns of Beverley, Cleethorpes, Great Grimsby and Scunthorpe became Charter Trustee Towns. The City of Hereford was added in 1998. The numbers of Councillors and the percentage of Charter Trustees within the principal Council varies enormously. This can vary from 32 Charter Trustees in 65 Councillors in the case of Bath (50%) to 5 in 67 in Beverley (7%).


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On Tuesday, Rep. Steve King (R-IA) rejected bipartisan criticism and again condemned young undocumented immigrants as "drug mules" in a radio interview with O.Kay Hunderson. Notably, he said that for every so-called DREAMer who is a valedictorian, there are "one hundred drug mules" and "you can tell by their physical characteristics what they've been doing for months."
House Speaker John Boehner (R-OH) called King's remarks "hateful language." House Majority Leader Eric Cantor (R-VA) "strongly disagreed" with King's comments "inexcusable." Sen. Roy Blunt (R-MO) also criticized King on Wednesday morning on MSNBC saying,"that's not a path that we should be going down."
Rep. Joe Garcia (D-FL) criticized King for his remarks during House hearings on Wednesday morning. But King responded, [Garcia] "didn't suggest that there are more valedictorians than there are drug mules, but it's enough for anybody to be offended these days. They apparently don't have to use their brain."
This is the latest in a string of offenses that King has launched on so-called DREAMers. On Sunday, Steve King refused to back down from his comparison of immigrants to dogs that he made last year.
Last month, he called a peaceful DREAMer sit-in demonstration at his District of Columbia office an "invasion." He also suggested the U.S. to electrify its border fence because "we do that with livestock all the time." And in recent memory, King drafted and helped to pass an amendment that would end the deportation ban on DREAMers.
In the past, King defended racial profiling through Arizona's anti-immigration SB 1070 law, saying, "if you can't profile someone, you can't use those common sense indicators that are before your very eyes." He also said that Arizona law enforcement would do well to target undocumented immigrants based on "the type of grooming" and "shoes" they wear. The U.S. Supreme Court pared down part of Arizona's SB1070 law because of its racially divisive elements.
Although King is a heavy critic, the majority of the American people support a pathway to citizenship for undocumented immigrants. Moreso, House Republicans Eric Cantor and Bob Goodlatte (R-VA) are pushing the Kids Act, which is similar to the DREAM Act in that they both provide a pathway to citizenship. House Republican leadership see the Kids Act as the path of least resistance, but the approach would leave out at least nine million undocumented immigrants who wouldn't qualify.
Rep. Raúl Labrador (R-ID) told reporters during a Capitol Hill panel on Wednesday that King's comments were "irresponsible and reprehensible." He voted in support of King's amendment.
In an interview with Breitbart News on Wednesday, King pushed back against the Republican backlash by calling on people to review his remarks. He said, "they will understand that what I said is objective, it's true and it cannot be logically challenged."


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New Listing! This townhouse is in a great location for year-round activities in the Salt Lake area. Situated half way between Big and Little Cottonwood Canyons at 'The Oaks at Wasatch', you can be at any one of four ski resorts within minutes (9-16 miles) of leaving the house. Venture a little further (27-33 miles) and you can ski Park City, The Canyons, and Deer Valley. Need equipment? Several ski rental stores are just a few blocks away.
Just minutes away there are a number of hiking and biking trails as well as several areas designated for rock-climbing and bouldering. The house is located adjacent to one of the best road-bike routes in the valley. There is a locally owned bike shop about a mile from the house (they rent bikes).
The Cottonwood Recreation Center is just over a mile away. With an Olympic sized ice rink open year round, indoor and outdoor pools, racquetball (and Walleyball) courts, as well as a cardio room and weight room, the whole family can enjoy themselves. The rec center offers several classes, from Spin, to Yoga and Zumba.
Bair Park (locally known as Firehouse Park) is just yards away, with a playground, pavilion, tennis courts, and a large grass area suitable for a football or soccer game. We provide balls for your use. Just across the street is a bus stop for skiers making it even easier to get to the resorts, and allows each person in your group to set their own ski schedule.
The freeway is a couple of miles away with easy access, making downtown Salt Lake City and Park City accessible within 20 to 30 minutes. Several people stay in this area during the Sundance Film Festival, Oktoberfest, conferences, various sports tournaments as well other sporting events. With a grocery store just a few blocks away and several restaurants and pubs within a couple of miles, this townhouse makes for easy living - even for a short-term visitor. As with any city of 1 million, the Salt Lake Valley has a lot to offer year round: from concerts and theater to shopping and recreation.


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Wedded Bliss
I know that probably many former readers of this blog have dropped off, discouraged by the fact that I never seem to write anymore. I apologize. I still, always, have a lot to say, and even as I start this post I can think of book reviews, and musings on social injustices, and random thoughts about something I saw on tv, or read in National Geographic, and contemplations on the nuances of relationships - all things I want to write about and have plenty to say about.
Please know that I don't neglect blogging because I've stopped caring, and have nothing more to say. I just don't have the patience to get it all out, arrange and organize so many thoughts, and make it coherent and interesting, throw in some pictures and hit post. I envy people who do have that time. I hope someday again that will be me. Hopefully sooner rather than later.
Till then - know that life is great. I got married!!! I met the "one", and we did it. We tied the knot. After two wonderful years together, and much more joy than I'll ever deserve. We stood in front of family and friends and I wore a big old white dress, and he was in a suit, looking so handsome. And now we call each other "hubby" and "wifey" and nothing feels different, and yet it all still seems so surreal. Like I'm floating outside my body, watching someone else's much happier, much more conventional life. I will never be a crazy cat lady again.
Anyways, because I want to put these photos somewhere, and share them somehow, but don't necessarily want to go the Facebook route, here they are. A few snapped pics of our wedding day, and the man I am deeply and madly in love with, and who patiently tolerates and appreciates me daily.
I am incredibly happy, and hope the same happiness for everyone on earth. If only we all were so happy, how would this world be different?
And that's my story, and I'm sticking to it.


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Headaches and Migraines
Menopause and Headaches, Migraines, or Other Painful Symptoms
Menopause and headaches or migraines, joint pain, leg soreness, itchy skin and breast tenderness are a few of the aches and pains that you might experience. Getting older can come with its share of these problems and blaming estrogen decline is an easy thing to do. Neglecting your body will only add to the stress and anxiety you might already be feeling. Listen to your body when it says it needs a little extra attention.
Perimenopausal women are more vulnerable to migraines especially if you suffered from headaches during your periods. There is a definite difference between menopause and headaches or migraines. A migraine includes light sensitivity, pounding, nausea, vomiting, muscle tension and spots in your vision. Migraines can be very debilitating. Menopause and headaches will cause hurt and discomfort, but don't necessarily stop you from going about your business.
Joint pain and leg soreness are two other common complaints during menopause. You're not falling apart. Your body just wants to get your attention. Weight gain during menopause, an old injury, or maybe even arthritis could be to blame. Talk to your doctor about what's bothering you and see if there is something you could be doing for relief.
If you experienced breast tenderness during your periods, there is a chance they can feel tender again during menopause. Unbalanced levels of estrogen can cause pain, soreness, discomfort and swelling of the breasts. Some women take comfort by wearing a bra, even to bed. Soy, apples, citrus fruits, alfalfa, cherries, potatoes, and yams are said to promote estrogen levels. Consider including them in your diet.


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by Calculated Risk on 10/04/2016 06:55:00 PM
Tuesday, October 04, 2016
Wednesday: Trade Deficit, ADP Employment, ISM non-Mfg Index
From Matthew Graham at Mortgage News Daily: Mortgage Rates Rise Quickly on Overseas Concerns
Mortgage Rates moved significantly higher today, relative to recently narrow ranges. It's enough to bring the most prevalent conventional 30yr fixed quote back up to 3.5% (from 3.375%) on top tier scenarios. ... The source of today's panic is speculation that Europe is getting closer to its own version of "tapering." This refers to the gradual reduction in the amount of bonds being purchased by central banks. In the US, the "taper tantrum" in mid 2013 was the result.Wednesday:
emphasis added
• Early, Reis Q3 2016 Mall Survey of rents and vacancy rates.
• At 7:00 AM ET, The Mortgage Bankers Association (MBA) will release the results for the mortgage purchase applications index.
• At 8:15 AM, The ADP Employment Report for September. This report is for private payrolls only (no government). The consensus is for 170,000 payroll jobs added in September, down from 177,000 added in August.
• At 8:30 AM, Trade Balance report for August from the Census Bureau. The consensus is for the U.S. trade deficit to be at $39.0 billion in August from $39.5 billion in July.
• At 10:00 AM, Manufacturers' Shipments, Inventories and Orders (Factory Orders) for August. The consensus is a 0.2% decrease in orders.
• Also at 10:00 AM, the ISM non-Manufacturing Index for September. The consensus is for index to increase to 52.9 from 51.4 in August.
Posted by Calculated Risk on 10/04/2016 06:55:00 PM


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My Brother the Artist, at SevenBy Philip Levine
As a boy he played alone in the fields
behind our block, six frame houses
holding six immigrant families,
the parents speaking only gibberish
to their neighbors. Without the kids
they couldn't say "Good morning" and be
understood. Little wonder
he learned early to speak to himself,
to tell no one what truly mattered.
How much can matter to a kid
of seven? Everything. The whole world
can be his. Just after dawn he sneaks
out to hide in the wild, bleached grasses
of August and pretends he's grown up,
someone complete in himself without
the need for anyone, a warrior
from the ancient places our fathers
fled years before, those magic places:
Kiev, Odessa, the Crimea,
Port Said, Alexandria, Lisbon,
the Canaries, Caracas, Galveston.
In the damp grass he recites the names
over and over in a hushed voice
while the sun climbs into the locust tree
to waken the houses. The husbands leave
for work, the women return to bed, the kids
bend to porridge and milk. He advances
slowly, eyes fixed, an animal or a god,
while beneath him the earth holds its breath.
Philip Levine, ""My Brother, the Artist, At Seven"" from (: , )
Source: Poetry


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Photo by PeajewelIt's Friday! Here are the latest goings-on in the world of babies. Grab a cuppa and enjoy!
- Check out this uber-adorable shot of Sarah Jessica Parker and her little munchkin Marion Loretta Elwell, one of her 9-month-old twin girls. City kids through and through, the babes can often be spotted with their mama around Manhattan in their Baby Bjorns.
- Little Kavi loves when I sing to her -- whether it be Itsy Bitsy Spider or old school No Doubt. So it makes sense that a new study, published in the Proceedings of the National Academy of Sciences, says that babies are born to dance.
- Liquid gold to spare? Apparently, some nursing moms have plenty of boob juice to go around -- and are donating it to breast milk banks popping up across the country. Man, what a generous gift that would be.