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"Best Burgers"- New Haven Living Magazine
Published in November 2012
Written By: Spencer Caldwell
Georgie's Diner & Restaurant in West Haven, which I had driven by scores of times without giving it any thought, proved to be one of my more interesting discoveries. And yes, I realize that's like saying Christopher Columbus discovered America—Georgie's Diner already had plenty of customers when I "discovered" it.
The diner apparently was built in 1956 in New Rochelle, N.Y. It became Duchess Diner in Stratford until 1967, at which point it was moved to West Haven and renamed Elm Diner. The diner was subsequently renamed after one of its operators, George Anthis, and completely restored during the summer of 2009. The restaurant has a clean, modern feel to it, and even a nice patio dining area.
Georgie's menu feels correspondingly modern, pays real attention to sourcing, and is a bit pricier than a typical diner. There's a vegan menu and gluten-free options. There are reduced-sugar fruit spreads for the housemade bagels. There are Belgian waffles, fresh hand-pressed orange juice, a roasted beet and goat cheese salad, a grouper sandwich, shrimp bisque, crab cakes, chicken Madeira and sashimi-grade tuna.
From Georgie's diverse menu, there are alternative burgers like veggie, chicken, salmon, turkey and lamb. But burger loyalists should focus on the lineup of 8-ounce Pat LaFrieda burgers featuring a blend of prime chuck, shoulder and brisket. While several nice combinations are offered, it's difficult to beat the juicy, flavorful Gourmet Burger topped with portobello mushroom and Gorgonzola.
Bringin' Back the Fifties with Georgie's Diner
Published February 9, 2010
Written by: Jonathan Starkes
Wanna know what's buzzin? The fifties are back! At least at 427 Elm Street, that is. At the base of the historic Armstrong Factory is a little piece of history: Georgie's Diner. After opening in late September, this classic establishment has officially revived my favorite dining experience: the classic 50's diner.
Georgie's diner was built in New Rochelle in 1956.
Georgie's diner was actually built in New Rochelle in 1956. After spending some time in Stratford, the diner finally opened in West Haven as the Elm Diner in 1971. I've passed by the Elm Diner more times than I can count and I never noticed it before. Since its glorious restoration this past summer, however, no one can help but notice this shiny, silver bullet.
The diner's atmosphere is completely retro. Its chrome exterior shines bright in the morning sun. Its interior is just as authentic. The floor is the original design, restored to 50's perfection before its opening. Hot pink neon lights reflect beautifully off the shiny interior. And of course, it has all the classic components of a diner: bar stools, comfy booths, and a public grille. Entering Georgie's is truly taking a step back in time, so don't be surprised if a gang of greasers shows up and challenges you to a race.
Although atmosphere is important, judging a diner's quality ultimately boils down to its food and service. It is in these two categories that Georgie's blows the competition away. In just my two visits, I was delighted to taste Georgie's home-style meatloaf and mouth-watering poached eggs. For those of you who enjoy the classics you won't be disappointed. Georgie's also caters to those who enjoy something different or have a limited diet. Using a separate fryer for vegan and gluten-free dishes, all prepared according to GFRAP guidelines, the diner offers a full range of specialty dishes including pork chops, roasted chicken, chicken parmigana, and chicken tuscany. They even have a nice variety of gluten-free deserts including my favorite, the ice cream sundae. Even more impressive is Georgie's variety of vegan dishes, including Tempeh Reuben, Falafels, and organic malibu burgers. Their full menu is available on their website: www.georgies-diner.com.
In terms of service, Georgie's creates a fun, family-oriented atmosphere. As soon as I sat down, my coffee was already being poured. I even had a nice chat with the owner, George Anthis and his son Niki about the family's involvement in the diner's colorful history. Oh to be Greek!
As if Georgie's could get any better, they even offer delivery service to UNH. Any time between 11 and 9 you can enjoy something off of their full menu. But I seriously encourage any potential diners to break out their poodle skirts, agitate the gravel, and get made in the shade at Georgie's Diner.
Dining With Susan
Written by: Susan Noonan, Orange Town News
Georgie's on Elm Street in West Haven is a true example of the quintessential American diner as it has a rich history. Owned by longtime Orange resident George Anthis and his family, Georgie's Diner was built in 1956 in New Rochelle. New York. Its first stop in Connecticut was Stratford where it was called Duchess Diner until 1967. It was then moved to its current location in West Haven and renamed Elm Diner.
Through the decades the diner was a meeting place in the community and a little piece of West Haven history as it stood by the proud Armstrong factory. George was one of its many operators, but more importantly, he is the one who commissioned its restoration and so the diner has come to bear his name. George, along with his hardworking family, operated the diner 7 days a week, 24 hours a day from 1971 to 1988. The diner was more than just a place of work. It was a second home, a place where his two children grew up, where he made lifelong friends, and where he and his wife created roots in the United States. Recently the diner had fallen into extreme disrepair. The latest operators had allowed everything to deteriorate. Any more damage and the building would not have been salvageable. During the summer of 2009, the building was restored and its doors were reopened in September. Thankfully, a piece of the past is available for the people of today.
Fast forward to January 2010 and I must say "the joint is jumping". Some friends, including another longtime Orange resident and retired teacher, Cynthia Butler, had an opportunity to join me for dinner at Georgie's. This was my second visit and I can't say enough good things about this newly renovated establishment. George has since retired, but the rich tradition still continues with his lovely daughter Georgette, son Nick, and friend Ivan Acevedo who currently manage the day to day operation of the diner.
Georgie's is old school and new school at the same time, offering vegetarian, vegan and gluten-free menu options alongside traditional "comfort food" including omelettes, pancakes, French toast, hamburgers, onion rings, chicken pot pies, meat loaf, pot roast, southern fried chicken, sandwiches, salads, soups, fresh seafood, just to name a few. Warm homemade crusty bread is served with all dinner entrees. They even make their own bagels. Georgie's offers freshly squeezed orange juice and lemonade along with egg creams, ice cream sodas, root beer floats and milk shakes. Doesn't this bring back memories?
All desserts are made in-house. Daily breakfast, lunch and dinner specials are also offered. The most amazing thing about Georgie's (in addition to the outstanding food and service) is the prices. As you know, I am familiar with most of the area restaurants and this one by far is the most affordable.


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By Jeremy Dukesherer
Author of the article
Jeremy Dukesherer
Jeremy Dukesherer,
In this article, the authors report findings on changes in Fannie Mae and Freddie Mac's mortgage loan quality by analyzing over 15 million loans from 2001-2015.
Practitioners of all sized companies are reassessing their expectations that the Federal Reserve can effectively stimulate growth and planning accordingly.
Resiliencing starts with adopting a mindset that emphasizes proactivity in looking for early signs of alarms and establishing and sustaining concrete practices.
Corporate Entrepreneurship applies the principles of entrepreneurship to established firms focusing on development, utilization of innovation, strategic renewal.
Fostering a sense of high-involvement community strengthened by high-quality connections may be the recipe for competitive advantage in today's marketplace.
This article reviews the primary roles of venture capitalists and relays key management advice from Silicon Valley VCs normally reserved for their portfolio firms.
The managers' capacity for true creativity and deep critical-thinking risks being diminished by our 24/7 connectedness in an information-intensive world.
James DiLellio, PhD, MBA, Associate Professor of Decision Sciences A hybrid GNSS integrity design leveraging a priori signal noise characteristics. Journal of Navigation, 63(3), 513-526, (2010). Abstract The objective of this paper is to explore a hybrid Global Navigation Satellite System (GNSS) architecture that efficiently meets the stringent needs of safety of life systems. An … Continued
James DiLellio, PhD, MBA, Associate Professor of Decision Sciences Darrol J. Stanley, DBA, Professor of Finance and Accounting ETF Trading Strategies to Enhance Client Wealth Maximization. Financial Services Review, 20, p. 145-163, (2011). Abstract This study examines the performance of pragmatic ETF-only investment strategies published either in an investment newsletter, blog, or are otherwise available … Continued

subset: commoncrawl


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Map showing Annas' Bed and Breakfast
Directions to Annas' Bed and Breakfast
Upon entering St Lucia, turn left at the traffic circle and immediately right along Beach Road.
Take the first right: Pelican Street, for about 1km and turn left into Kuda Street.
We are on the right hand side.
Sign boards are prominently displayed.


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Na`Vi.Kimi: "Top-1 is our goal"
— How the guys rest after the match days at the LAN-tournaments? Do they prefer active or passive rest?
— We like to hang out together, talk our matches through. Sometimes, we like to distract our attention from the games and do something else. But usually we discuss our rivals or the plan for the upcoming games.
— Who usually boosts the team morale?
— The guys are always fully concentrated when they are playing, and their morale is always on a decent level. Outside the game, it is one of my responsibilities. So, it would probably be me and ethernal. Splendour's unique humor is worth separate mentioning, as well!
— Enter the Storm #3 group stage kicks off on August 24. Na`Vi are considered favorites of their group. Are you afraid to face some of the "dark horses"?
— Actually, we are ready to face all rivals. And I am more than confident that the guys have never made the mistake of underestimating their opponents. HotS is one of the fastest-developing games, and every team is able to surprise.
— Our interview is coming to an end. Do you want to say something else to your fans?
— Big thanks to all fans that support us! We are playing only for you! See you!


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"Lack of treament for dehydration"
Posted via NHS Choices
Anything else?
My mother was taken into hospital in a state of dehydration. She was left to dehydrate further for a week without any obvious treatment. She was finally transferred to Scarborough where she was a put on a drip. When I saw her the day she was transferred she looked as though she was on the point of dying. After two days on a drip at Scarborough she was much, much better. The staff nurse there asked, couldn't they have done this in Whitby? Continued dehydration at Whitby caused her to become mentally confused by day and to have nightmares at night. This was an avoidable situation.
Response from Whitby Hospital 4 years ago
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Zumbrota Golf Club - 18 Holes with Cart for Two Players
18 holes of golf for two PLUS cart rental at Zumbrota Golf Club for only $39!!! Good for 2017 Golf Season!
**No cash back. No cash value. Please call ahead for tee times.
Zumbrota Golf Club
Located at: 80 Golf Links Ave. Zumbrota, MN 55992
Check out our website: http://zumbrotagolfclub.com


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Korn: 'Dubstep Fans Rage Harder Than Metal Fans'
Jonathan Davis has made a controversial comparison between rock and electronic music fans. Is he right or wrong?
Jonathan Davis says that dubstep fans can rage 10 times harder than metal fans, without resorting to any of the aggression found in a mosh pit.
The Korn frontman was speaking to MTV Hive (via Blabbermouth) about why his band wanted to work with dubstep producers on their newest album, "The Path Of Totality".
"Metal shows are all hate, like, 'I'm going to f--k you up in the mosh pit'. Electronic shows are all peace and love. They rage harder than metal fans," he said. "I played a show in New York and then watched Nero who sold out Webster Hall. That crowd went ten times harder than any metal crowd I've seen in my life."
His opinion echoes that of many older rock fans who remember a time when mosh pits were about dancing hard rather than swinging fists and bodyslamming.
Davis went on to defend his original dubstep collaborator Skrillex, who strongly divides opinion in the dubstep scene.
"He has a lot of haters but he's got a lot of people who love him too," Davis said. "It's like all the purist metal-heads that said we were really rock when we came out. Trailblazers of any kind of music are going to get that flack."
Korn will take part in a live video chat tonight (November 10) at 6:30pm eastern time, where the band will take questions from fans in real time.
Has Davis lost his rock marbles, or is he making a relevant and timely point? Discuss and defend your corner in the comments.


text: >>"Fabian" == Fabian Fagerholm <email@example.com> writes: Fabian> On Sun, 2002-01-20 at 02:34, Manoj Srivastava wrote: >> You are missing the point below. You are in no condition to >> assess the readiness of my backup security plans. Or are you assuming >> your customers are incompetent morons? No one but me can actually >> assess what usae I can make of the information provided. Fabian> True, I can't know if you're competent enough to handle the Fabian> responsibility of securing your barn - which is, mind you, Fabian> *your* responsibility. The locksmith who made the lock you're Fabian> using has clearly stated (as I already mentioned in another Fabian> post to this thread) that there is no warranty for the Fabian> lock. He has a reputation of making good locks, and a Fabian> reputation of fixing problems within a reasonable time-frame Fabian> - however, this is a service he provides because he's a good Fabian> locksmith, not because there is a common rule that says he Fabian> must do so. Sounds very shifty to me. Or, to put it more charitably, sounds very defensive -- and certainly reduces my trust in the locksmith, him having to weasel behind a "you have no legally binding agreement" clause. Fabian> You also have no agreement with him that says he promises to Fabian> make available all information about his products as soon as Fabian> he receives it. Yeah, sure -- I also have no agreement with him that he'll not just give his design away to the thieves at the get go, but I still have expectations (which may even hold up in court) All of what you have said makes me trust the locksmith less. Fabian> Sure, you can use those... If the chain isn't completely Fabian> rusty... >> >> How do *YOU* know about the status of _my_ chain? >> Fabian> and the dogs like some raw beef the thieves might Fabian> bring along... >> >> I know my dogs. I trust my dogs. I sure as hell no longer >> trust you ... >> Fabian> and you don't run outta ammo... >> >> Hell, if my 10cases of ammo and my cell phone to the sherriff >> aint enough to phase the crooks, you sure as hell don't have a >> solution to stop 'em either. >> >> Sounds like you are stretching things mighty thin just to keep >> in busies. Fabian> I'm not saying I know anything about those things. I'm just saying you Fabian> bought the lock because you probably thought it was a better solution Fabian> than the chain, the dogs, or the rifle. Fabian> If you don't trust the locksmith, you sure as hell shouldn't use his Fabian> locks. Fabian> Sorry, man, he's using the same lock mechanism as I am, just Fabian> as buggy. >> >> Says you. You know all the locksmiths there are in town? You >> know about my nephew who is doing his masters in locksmithing? You >> know I can switch from using the parn door to using a portcullis? I >> casn get anti-theft monitorig service? That I can sleep in the barn? Fabian> You had better. The way you sound, I'm starting to think Fabian> there might be a real reason for someone to break into the Fabian> barn just to piss you off. See what I mean about trusting the locksmith? >> Who gave you the right to assume risks for my business? Fabian> I did not. I simply stated - in accordance with your wishes Fabian> to receive as much information as possible about security Fabian> issues of the lock - that you should know there isn't a lock Fabian> of this particular model (say, the "flatland" model) that Fabian> doesn't have this security flaw. You must assess the risk Fabian> yourself. But there are other brands. And there are other protective measures I can take if I knew the lock is vulnerable. Or other companies to go to (I mean, in the lock category called browsers, or MTA's, or even bind, there are multuple locksmiths making locks) >> Yeah right. If I were a thief, I would have a few people >> apprentice with the locksmiths -- that way I know way before the >> suvkers^H^H^H^Hfarmers about how to open locks. Fabian> Are you saying there is someone who has access to Fabian> non-disclosure-before-fix information that knowingly spreads the Fabian> information to black hats? If you have proof of this, it would be Fabian> interesting to see it. Proof? No, or they would bve in jail. In security, though, one does risk assessment, and assessment is oftne done without even a vestige of ``proof''. Indeed, asking for proof during risk assessment smacks of naivete. Ignoring the risk (and, in my assessment, looking at how widespread the communique between locksmiths is, there is no way in hell you can have any assurance there are no bad apples apprentices). >> I see me and betsy have more places to visit. Indeed, perhaps >> I ought to get a lawyer and see about this conspiracy to defraud >> honest farmers by all themm locksmiths out there. Fabian> Perhaps you should get out of the farming business and start Fabian> a locksmith business instead. Only... You'd need to protect Fabian> yourself from raving farmers who claim your lock was the Fabian> reason their cattle was stolen, and try to make you pay. I would be more open about problems in my busness (espescially if that is carved in stone in front of my business -- the bit about being open), But, I am a mere farmer, and may not have the skillz or time to be a locksmith -- and a locksmith telling me ``if you don't like it, go do it yourself'' does not increase my love for the man. Fabian> Don't get me wrong, I'm not saying I won't tell you Fabian> everything about the flaws in my locks. I'm just saying, give Fabian> me some time so I can figure out what's really wrong before I Fabian> go shouting wolf. No. Don't tell people exactly how to open the lock, but *DO* tell them there may be a problem, and please take precautions. You can tell me about flaws without going into gory (and thief helping) details. manoj -- Expense Accounts, n.: Corporate food stamps. Manoj Srivastava <firstname.lastname@example.com> <http://www.debian.org/%7Esrivasta/> 1024R/C7261095 print CB D9 F4 12 68 07 E4 05 CC 2D 27 12 1D F5 E8 6E 1024D/BF24424C print 4966 F272 D093 B493 410B 924B 21BA DABB BF24 424C


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What is the pink floyd pill?
- Asked
- 1 Apr 2014 by npierpont
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- 13 Apr 2014
- Topics
- pill
Answers (1)
Is a street name for some kind of depressant or muscle relaxer? Sorry thats all i got.
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HUNTING horses often break into a sweat in the middle of the night as they relive in their dreams the excitement of the day before. I do, too, waking at about four with the adrenaline surging. I would never have expected a three-day trek along the bridleways of Shropshire and Worcestershire to create equal excitement.
Some weekends are meant to be magical and this was one, cast in the unseasonable warm glow of early November. What was the highlight, I came away wondering?
Was it riding over Thomas Telford's Iron Bridge, the great landmark of the Industrial Revolution at Coalbrookdale? Or galloping over the springy Shropshire turf, with the countryside unfolding all the way to Wales? Or clattering at dusk after a ride of 25 miles into a farmyard that does b & b for both horse and rider? Or was it arriving late at night at the Pheasant at Broseley, where the landlady was stunning and flirty and helped carry my tack, intrigued by the whip, up to my room?
I hadn't been anticipating great thrills when the British Horse Society invited me to ride the Sabrina Way, a network of bridleways named after the goddess of the River Severn. The route meanders from the Peak District to Oxfordshire and I was to sample the stretch in the middle.
It sounded laudable, worthy and faintly dull. I would box all the way up from Hampshire, pulling a horse and trailer 160 miles, just to ride a few bridleways. But how wrong I was. There is all the difference in the world between pottering out for a familiar hack and heading off into the unknown, with a farm or a country pub to reach before it gets dark.
And the effect it had on Kaddy, my six-year-old mare, was astonishing. A horse that can spook at a blackbird 50 yards away was transformed.
Alert and obedient, she was unfazed by the squawk of pheasants shooting through her legs, startled rabbits darting into the hedgerows and a farmyard reeking of pigs. Riding 25 miles a day takes the edge off cocky horses and she did a lot of growing up.
This came as no surprise to Jan Pritchard, one of those wonderful British Horse Society stalwarts who campaign tirelessly, without remuneration or, at times, much thanks to keep bridleways open.
"All your horse needed was to get away from home and see something new," she said. "Riders don't understand how bored horses can become."
For the best part of a year, Jan has been researching maps, negotiating with farmers and seeking route modification orders from local councils to push through the Sabrina Way.
Around the country, there is a patchwork of bridleway routes. The hope is that the growing trend for riders to take holidays with their horses will become widespread and cash will sprinkle down to the forest floor of the rural economy. Great gaps in the network remain, however, and the idea for the Sabrina Way, which formally opens next year - although there is nothing to stop anyone riding it now - came from Brenda Wickham, a towering figure in bridleways activism.
Brenda mapped out a rough route, linking the Pennine Way to the Ridgeway in Oxfordshire, leaving it to Jan and other local bridleway experts to fill in the details. Shropshire was always going to be one of the highlights and its network of tracks is superb.
Our route began at Ironbridge, where seven riders gathered. They had come to hack along the old towpath beside the river, where horses once pulled the barges filled with Wilkinson's iron or Coalport china down to Bristol.
Elaine Newton, who owns a local livery and offers equine b & bs, was going to pilot me all the way to Billingsley, riding a pretty but hard-as-nails little trotting pony that she had bought from a gipsy dealer. After an hour or so, we left our companions and began to quicken our pace to reach our destination before dark. For five miles or so, we kept to the towpath and then up through thick woods emerging from the steep chasm of the Severn.
In places, the woods were pitted with traces of coal workings and kilns, for this valley used to be the cradle of the iron industry. On the higher ground, Shropshire revealed itself with endless fields of deep green grass, a delightful contrast to the agro-business landscape of Hampshire. It was empty, too - Elaine and I saw no one for 20-odd miles.
The light was fading fast at 4.30 when we reached Billingsley Hall Farm, to be greeted by Helen and Russell Sedgley. The horses hesitated and pricked their ears when they smelt pigs, but nothing was going to keep them from their feed and rest. We left them together for the night, rugged up and loose in an empty stone barn.
If the Government needs a model example of agricultural diversification, Billingsley Hall Farm might be a candidate. As well as keeping pigs, dairy cows, sheep and some arable land over 260 acres, the Sedgleys offer equestrian and human b & b and a holiday let with views over the paddock. "It's holidaymakers in summer, but one half of divorcing couples in winter," explained Helen.
Until lambing, that is, when the cottage is occupied by families who book specially to take on the out-of-hours shepherding duties, paying for the privilege of doing so.
Normally, the next day, riders would press on through the Wyre Forest into Worcestershire, but instead I boxed to Malvern, where I met Sherry Round, the BHS county bridleways officer. From the big open vistas of Shropshire, the countryside becomes smaller, more intimate and wooded. The Malvern Hills emerge from the landscape in little folds and on their crests are bridleways that have been routes for animals and man since the Stone Age.
From the heights of Little Malvern, I looked back towards Shropshire and the distance I had ridden, realising with astonishment that hardly any of it had been over tarmac.
I had ridden over the redundant roads and tracks that have somehow survived into the modern age. Slowly, people are beginning to realise what a wonderful resource bridleways are. Anyone with an interest in horses should cherish and defend them.
Preserving our ticket to ride
The Sabrina Way is the latest addition to the Ride UK initiative of the British Horse Society, which aims to create a national bridleway network as a tourism resource.
The main threat to bridleways is the Countryside and Rights of Way Act, which ruled that the definitive map of 1949 should be closed to historical claims in 2026. This means that bridleways and historic rights of way not on the map will be lost for ever. Funds and local activism are urgently needed to make councils research and register these routes.
The Countryside Agency has given £2.75 million to help the bridleway cause, but this compares unfavourably with the £47 million National Lottery grant to the Sustrans national cycle route project.
No one thought about bridleways in 1949 when the definitive map was drawn up, because there were few leisure horses after the war. As a result, riders enjoy only a fraction of the rights of way that they ought to.
"Many riders do not have a clue about bridleways, even in their own area," says Nicola Gregory of the BHS. "Many don't know what type of path they exercise their horse on."
I am guilty here. I have now discovered I ride on farm tracks that are all officially footpaths. Yet bridleways are desperately needed. To July this year, eight riders have been killed on the roads.
According to a survey last week in Horse & Hound, a third of riders have no access to bridleway or off-road riding and 45 per cent ride on roads on a daily basis. One in three reports "near-miss" accidents on the road.
- 'Bed and Breakfast for Horses' is available from the BHS Bookshop (0870 120 1918), £5.95 plus p & p. The RIDE UK website (www.ride-uk.org.uk) provides information on more than 100 routes. To join the BHS: call 0870 120 2244 or visit www.bhs.org.uk.
- Email Sebastian O'Kelly: firstname.lastname@example.com


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Can you do what I'm doing?
Recruiting tips network marketing
Although I've heard that there are network marketers out there who just want to make a little bit of money in their businesses, I've never actually met one. Every network marketer that I've ever met or talked to has told me that they joined to make the big bucks! I can't say that I blame them. It's here for them, if they want it badly enough.
Since you can't make it to the top levels of any network marketing company's compensation plan without a lot of help, you will need to sponsor at least some people into our organization.
What can you tell me about recruiting?
What is the overriding question that every prospect need to answer for themselves?
Can they do what the sponsor is doing?
This is at the heart of that ever elusive quality of duplication. If your prospect can do what you're doing, then you have duplicated yourself. You'll be on your way.
That sounds pretty easy, when I say it like that. Unfortunately, it's not always that easy. What can we do about that?
The first thing that you need to decide is, can you do what you are doing? Weird question? Maybe, but you need to be able to use whatever method you have chosen for yourself. If you are going to use Facebook, do you know how you are going to meet people? Do you know how to prospect on Facebook? Do you know how to recruit someone that you've talked to on Facebook? These are the questions that you need to answer, for yourself, for any social media platform. If you're going to use social media to recruit.
You may be a decent knowledge of how to do the things that you'll need to do on social media, but will all of your prospects know how to do them? Will they be able to duplicate those things? You see it doesn't matter if you are a wizard on Youtube, if your recruits don't know how to use Youtube, it's not going to help you.
Most people that you will recruit, will probably have never run a business before and they probably have know idea how to recruit someone from Pintrest. They will need your directions on how to do these things. Will you be able to teach them how to do what you do? That is what's going to be needed if you want your team to be duplicating team. Make sure that you know exactly what needs to be done with whatever method you're choosing!
I would suggest that you chose something that an eight year old child could do. This isn't to say that the people you are sponsoring are no more capable than said eight year old, it is to say that you need to find a method that anyone can do!
How does having an easy method help you?
Once you have tested your method and know it works, easily, get someone else to test it to make sure that it will be easy for everyone. Now you know that it is super easy and you can tell people that it has been tested and found to be easy.
When you talk to a prospect about your business, the one question they need to answer for themselves is, can they do the business? Will they make money? If they are convinced that they can make money, then there is no reason for them not to join.
"I get lots objections to joining my business!"
Well, join the club. Who doesn't get objections? The prospects are looking for an answer to their question … will they make money? Every objection and question is just asking you to tell them exactly how they can make the money that you are telling them that they can make. You have to convince them of that!
You just need to say, "Can you do what I am doing?"
Then you explain exactly what you are doing, step by step.
Then ask the follow up question, "If you can see yourself doing what I'm doing, then you owe it to yourself to at least take a look at what I'm doing!"
Almost everyone will want to look at what you are doing!
Please share this article with your downline! It might help them!
If you liked this article called, Can you do what I'm doing?, please Like it below for Facebook and be part of the conversation by leaving a comment below.
There is also code in the box below, if you want to link to this article. Just copy and paste it onto your blog or site. Thank you!
To read more articles about MLM recruiting tips click here!
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By Greg Parrott
As I got off the plane in Denver with my friends Larry and Patsy Swinney, I knew we were in for an extraordinary week at the JUCO World Series in Grand Junction, Col. Larry and Patsy has a son who plays baseball for Gordon College. I was there to support my son as a coach for Gordon and take photos for the team. We made the four-hour journey from Denver to Grand Junction and admired the beautiful Rocky Mountains that were capped with snow.
[Full story »]


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Ashurst promotions: expectation management" />Tuesday, April 1st, 2008, 16.45
Ashurst promotions: expectation management
Ashurst may have made up a handful fewer partners than last year in this year's crop of 17, but if you are a minority at the firm – e.g. you are a woman, are based outside London or, indeed, you are a barrister – you would have been laughing. See story.
More than a third of promotions to the partnership were female, and for the first time the number of new partners overseas has exceeded the number of those based in London. And a place in the energy, transport and infrastructure team in Dubai was an especially hot ticket.
Former barrister and competition associate Euan Burrows is one of those to have joined the ranks of Ashurst's lockstep ladder, which is now in its new, shiny, long-planned, shorter form.
Burrows has advised on some of the hottest competition work in recent months, including for one of the parties involved in the supermarkets milk price-fixing inquiry, the first appeal against an OFT decision when it allowed the merger of iSoft and Torex, and for client Healthcare against Genzyme in the first damages action following an OFT decision.
As a bonus, he also comes with higher rights of audience earned as a barrister at London's 2 Harcourt Buildings, the public planning and administrative set now known as Francis Taylor Building.
"The great thing about being in a City law firm is that you can get this very nice mix between contentious and non-contentious work," he told The Lawyer.
"But as I said to the wife, this is where the hard work starts. I suppose I'm trying to manage expectations…"
Partnership forecast:
For those with two X chromosomes: hot summer
Londoners: first cloud on the horizon.
Corporate: sunshine as usual.
Energy, transport and infrastructure in Dubai: clear blue sky.
Previous Partnership 2008 blogs.
Slaughter and May: ladies, long hours and longevity – Thursday, April 10th
Russell Jones & Walker: More to the core – Tuesday, April 8th
A&O in the Middle East: one new partner, back-up on the way – Monday, April 7th
Clifford Chance: Popham puts his money where his mouth is – Monday, April 7th
Nabarro, Hunton & Hosseini – Friday, April 4th
Addleshaws: managing associates – Friday, April 4th
Nabarro promotions down (under) – Thursday, April 3rd
Hunton & Williams: The London eye – Thursday, April 3rd
The corporate partnership: Superwomen only? – Wednesday, April 2nd
Ashurst promotions: expectation management – Wednesday, April 2nd
Pinsents' Leeds' ladies take the lead – Monday, March 31st
Herbies…continued… – Thursday, March 27th
Herbies shakes things up – Thursday, March 27th
Macfarlanes predicts a good year – Thursday, March 26th
Burges Salmon talks the talk – Wednesday, March 26th
Trowers promotions dwindle – Tuesday, March 25th
Wragges' ups the firm's real estate profile – Thursday, March 20th
Olswang's year of change – Thursday, March 20th
Camerons goes East – Wednesday, March 19th
Ince & Co: happy days for men in boats – Tuesday, March 18th
Freshfields refills partnership – Monday, March 17th


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(STICKY) Chikwanda describes advocates of windfall tax as lunaticsCOMMENT - Is Guy Scott a lunatic? Is minister Robert Sichinga a lunatic? Is dr. Kaunda now a lunatic too? Is Andrew Sardanis a lunatic? (Also see here on Cho's blog: List of Prominent Zambians For A "Windfall Tax" On Mining). Because all the above advocated for the Windfall Tax before the election. Until the PF even start to collect all the taxes that are due even under the variable profit tax, and the dividends owed to ZCCM-IH, they have no right to call anyone who advocates for the highly effective windfall tax 'insane'. It seems to me more that the latest finance minister is a coward and just another shill for the mining industry. Has he been paid a little bribe so that the country can continue to be robbed for billions of dollars a year? How do 'donor countries' justify paying one cent of 'donor aid', which are their working and middle class and ordinary companies' taxes, when the government refuses to collect taxes from the mines, which are transnational corporations (Anglo-American De Beers, Glencore, First Quantum, Equinox, etc.)? Of course their own governments are captive of the TNCs, the IMF/WB and the trillionaires too. As a finance minister, you are there to serve the interests of the state, not the mines.
UPDATE (23/03/2012, 15:05 GMT/CAT): (POST) Mines should pay more tax - Scott; (POST) Magande questions Chikwanda's windfall tax reaction
Chikwanda describes advocates of windfall tax as lunatics
By Gift Chanda
Thu 22 Mar. 2012, 13:00 CAT
FINANCE minister Alexander Chikwanda has described as "lunatics" those advocating for the reintroduction of the 25 per cent windfall tax on base metals. And Chikwanda says people are becoming increasingly vocal because they haven't seen any meaningful change since the PF ascended to power.
Meanwhile, visiting World Bank managing director Sri Mulyani says the current strong fight against corruption may slow down national budget implementation. Speaking when Mulyani paid a courtesy call on him yesterday, Chikwanda said people think the mining sector alone could solve the country's budget financing challenges.
"There is a misconception by external people who feel that we can get more money from the mines. Even internally, they have been many lunatics who think we should involve windfall tax…but the production costs in the mines are very high," Chikwanda said.
[Oh shut up, you corrupt shill. Copper prices were never higher. If these lying scumbags from the mines can't make a profit when copper is $8000 per tonne, they should hand them back to the State, because President Kaunda kept the mines running when copper was $2000 per tonne. - MrK]
"When you factor in things like the sea and inland costs of exporting and even importing, by the time you get to the market the transport factor alone, especially the inland component will push you to something like US $450 to US $500 per tonne.
[That's a pimple on a donkey's ass, when prices are $8000 per tonne. If 'costs are too high' at $8000/tonne, then they should give the mines back to the state. - MrK]
So that is why we have involved the royalty tax but of course we have to be very prudent. Mining has a long gestation and we don't want to tax the mine out of existence.
[They never worry about taxing the middle class out of existence. Because right now, the Zambian middle class is paying more taxes than the mines. Again, if the mines can't make a profit at $8000 per tonne, they have no business owning them. Give them back to the state. - MrK]
So our taxation are quite balanced at the moment. In fact there are a lot of complaints from the mines on the government's hike in the royalty tax from three per cent to six per cent but we need to strike a balance."
Chikwanda said the country would need to use economic diversification to address the country's budget financing constraints.
[Which you can't finance without going into debt, if you don't effectively tax the mines with a windfall tax. All government projects are pipedreams, if they refuse to collect the taxes to pay for them. - MrK]
He, however, said the government would need to strengthen extension services and shift attention on maize production alone to achieve economic diversification.
"The revenue will come from diversification because if areas like agriculture can deliver then we can be there…we could channel those local resources we put in one crop into extension services and that would improve the productivity of small-scale farmers because if the small-scale farmers do things correctly and raise the agronomy, their production would increase," Chikwanda said.
[Timid crap. - MrK]
"But this also depends on zoning the activities. For example we have been promoting maize production in areas where the crop is not sustainable this has to be addressed…We need to do sensible things and grow things in areas that they can be grown more effectively."
He admitted that the PF was under pressure from Zambians to deliver on its promises.
"People are becoming increasingly vocal because they haven't seen any meaningful change so we are under pressure," said Chikwanda.
"The civil service is a bit slow…because levels of motivation are very low. But the commitments are quiet there, it is just a question of how you exercise the leadership."
But Mulyani cautioned the government on its strong fight against corruption.
She said national budget implementation, which was going to be key in the new administration's fulfilling of its campaign promises and sustaining the support of many Zambians, could suffer.
"Implementation of your budget is going to be very important especially that you are a new government. When I was finance minister I tried to address the issue of corruption but then it caused a slowdown in budget implementation because people were so scared of making decisions. They don't know how to get the trust of the new administration but at the same time have the confidence to execute the budget. So I suspect you are faced with a similar situation," she said.
Mulyani urged the government to accelerate the implementation of the budget, explaining that people would not be patient to forever wait for tangible actions to be made.
"The people expect the government to deliver…you have explained extensively what needs to be done, but I think the challenge still remains on how many of all those good ideas or frame works or concepts are you delivering and implementing? Your government was just elected now the people want the government to deliver what they think will really make real progress on the ground," said Mulyani.
Labels: CORRUPTION, NATIONALISATION, WINDFALL TAX


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The Chicagoland mortgage rate outlook this spring is creating a sense of urgency on the part of prospective home purchasers. With interest rates having edged up slightly and home prices rising continuously, many borrowers are making a beeline to apply for home loans. Their rationale is the sooner they act, the more they potentially will save – on interest rate charges and home price increases.
Interestingly, home purchasers are electing to take out adjustable rate mortgages (ARMs) in unusually high numbers in hopes they can handle the Chicagoland mortgage rate outlook of potentially higher rates and save money on their mortgage payments in the first few years.
Mortgage activity has been on the rise in recent weeks, having increased nearly 3.5% from one week to the next, based on the most recent report from the Mortgage Bankers Association (MBA.) Despite the week over week increase, total mortgage volume is roughly 18% lower than it was during the same period in 2016. Experts say the lower volume has more to do with the decrease in the number of refinance applications than it does with the Chicagoland mortgage rate outlook. While most borrowers refinanced a year ago when interest rates were at or near record lows, there is still some refinance activity in the mortgage marketplace. The volume of refinance loans is down 34% so far this year, but mortgage lenders have seen an increase of more than 5% in recent weeks – based on consumer fears that the Chicagoland mortgage rate outlook might include higher interest rates moving forward.
Some analysts attribute the rush to refinance to recent remarks made by key Federal Reserve officials indicating what wound up being another interest rate increase in March. In addition, other economic factors came into play such as the recent Gross Domestic Product (GDP,) manufacturing results and inflation projections. While mortgage interest rates really are not directly tied to federal funds rates – upward or downward – a rate increase by the Federal Reserve could still make mortgage interest rates increase, only time will tell on this for sure. Fed funds rates are generally more short-term in nature, while mortgage rates are longer term, of course.
How will the Chicagoland mortgage rate outlook impact the usually brisk spring real estate sales season? While the true impact remains to be seen, economists say demand on the part of home buyers is still high. The problem, they contend – which is of greater concern than the prospect of higher interest rates – is affordable homes are still in short supply. The inventory shortages that occurred during much of 2016 have carried over into 2017, and don't appear to be improving anytime soon. Since a good portion of the housing demand is on the part of millennials and first-time buyers, the inventory shortage is of major concern.
As mentioned above, one of the results of the recent Chicagoland mortgage rate outlook is more buyers are opting for adjustable rate mortgage solutions in an effort to save money since the ARMs offer lower interest rates for a certain time period. Statistics reported by the MBA showed that the ARM share of recent mortgage lending applications was the highest since 2014. The results simply highlight the concern borrowers have for higher interest rates, and in spite of the indications, home demand remains high going into the spring. In addition to the ARM share of applications reaching a three-year high, the average loan size for applications to purchase homes reached a high of $313,000. This is the result of two different factors. First-time buyers tend to impact the higher mortgage amounts less than buyers in the market who are moving up and buying bigger, newer and more expensive homes.
The Chicagoland mortgage rate outlook may have a definite impact on the spring market, however, all early indications are that due to high demand and the overall impression that interest rates – despite their slight upward tick in recent months – are still relatively low. Many borrowers remember when interest rates were in the 8%-9% range for a number of years. With that in mind, rates roughly 50% as high are veritable bargains today – in spite of the higher home prices that exist in today's real estate market.
More first-time borrowers are going to faced with the dilemma of continuing to pay higher rents versus putting their monthly payments into paying a mortgage and building equity in a home of their own. The home participation or home ownership rate reached an all-time low in 2016, but the trend seems to be one of slight improvement during 2017. Time, as usual, will tell as first-timers decide what to do and when to do it. Housing inventory, as already cited, will determine a great deal as the market needs starter homes and more affordably priced houses to meet the demands of some of the first-time home buyers. In addition, there needs to be a larger supply of "move-up" homes for that segment of the buying public that's ready to expand into a larger home, a better neighborhood or a newer home.
You can find more articles pertaining to the Chicagoland mortgage rate outlook in the "Chicagoland Mortgage Info" section of articles just below Chicagoland Real Estate Categories in the column to your right. Remember to also check us out by finding us on Facebook and following us on Twitter..
Recent trends have seen Chicagoland real estate interest rates rise slightly over the past couple of months. While prospective home buyers may feel disillusioned by rising rates, let's take a look at what it may mean for them and the possibility of becoming homeowners.
As mortgage rates increase, naturally, the amount of home you can purchase decreases. In other words, the higher the interest rate, the higher the payment — and perhaps the lower the mortgage amount must be to be affordable. Borrowers need not be completely dismayed however, as there is flexibility among mortgage lenders and their qualification guidelines. Let's take a short revisit of the rate fluctuations since the presidential elections of this past November and review how interest rates have affected home affordability. How will recent Chicagoland real estate trends affect the housing market?
A Recap of Chicagoland Real Estate Interest Rates and the Outlook for the Future
Between the election on November 8 and Christmas of 2016, Chicagoland real estate interest rates went up .75%. The rate increase was fueled in part by the feeling on the part of the American public that the new administration would enact policies of infrastructure spending, tax cuts, and a certain amount of deregulation that, once enacted, would be inflationary. In addition the skyrocketing gains in the stock market pushed the bond yields downward, and since mortgage rates are very closely tied to the US Treasury bond rates, mortgage rates had nowhere to go but up.
Most savvy economists felt when interest rates rose, they would also level off in time. And, while that is happening, it is still volatile at best. Interest rates go up and down literally daily in response to investors reacting to policies of the new administration. When investors exhibit concern that post-election inflation will continue to occur, the rates go higher. Conversely, when investors feel inflation will be softened by certain policies, delays in action, or hindrances, rates will come down.
The bottom line for interest rates is the post-election peak seems to be over, and the net result is an interest rate increase of roughly .5% since the election.
Experts predict continued rate volatility as stock market investors and the Federal Reserve work to gauge interest rate movement as part of the new government administration. Here's how that volatility is expected to impact housing activity.
The Effect of Chicagoland Real Estate Interest Rates on Home Affordability
According to experts, a $350,000 home purchase on which a prospective borrower plans to put down 20%, a rate increase of .5% reduces the affordability by roughly $17,000.
While such a decrease in affordability may tend to make a prospective homebuyer look for a lower-priced home, there are other alternatives — especially if you're familiar with how most mortgage lenders operate.
For decades, mortgage lenders have used a debt-to-income (DTI) ratio in their qualification guidelines. A DTI compares the relationship of your total monthly recurring debt to your gross monthly income. Mortgage lenders typically like to see a DTI of 43% or less.
Borrowers earning, say, $65,000 annually with monthly obligations such as an auto loan and credit card bills totaling $615 per month may have qualified for the $350,000 home mentioned above. However, at a slightly higher interest rate of .5% more, they may not. Here's why: At the income and debt totals currently, the DTI ratio was less than 43%. With the rate increase, it's climbed to over 44%. At first glance, the only solution is to work to reduce the purchase price down to $333,000 (the original $350,000 less the $17,000 by which the affordability was reduced.) That would reduce your DTI back to a level less than 43%. However, let's consider an alternative.
Increasing Home Affordability
Rather than trying to get the price reduced by $17,000, most experts recommend lowering your other recurring debt. As an example, a monthly credit card payment of $125 with a remaining balance of $3,125 can be reduced to roughly $45 per month by paying down the balance by just $2,000. Honestly, that may be a much easier solution and a much softer sell than trying to get the seller to come down $17,000.
Analyzing Chicagoland Real Estate Interest Rates and Trends to Make the Best Decisions
It's important to keep an eye on interest rates and other changes in the marketplace. Remember, in much the same way that the old adage, "All real estate is local," all mortgage lending is individual. What that means is every situation is different and everyone's DTI is comprised of components that may be changed slightly to improve the qualification percentage. Don't make the erroneous assumption that rising rates will always reduce the price a borrower may qualify for.
See more articles pertaining to the latest Chicagoland real estate interest rates and trends in the section of articles on Chicagoland Real Estate just below Chicagoland Real Estate Categories in the column to your right. And remember, we also post tips daily on Facebook and Twitter. Check us out there as well.
Chicagoland home improvement ideas usually are reserved for homeowners who want to make their homes bigger, more attractive or more modern. However, many home improvement steps can be taken to prepare your home when it comes time to sell. If you've made the decision to sell your home, it's not just a good idea – sometimes it's a necessity – to make your home as attractive and presentable as possible for prospective buyers. Here's how.
Be Ready to Hit the Market Running Listing your home for sale isn't a decision to be made lightly. In addition, putting your home on the market before you're ready or it's ready can severely hamper your ability to sell it for its full value. Make sure you prepare your home for the real estate marketplace. Follow these Chicagoland home improvement ideas and make the best impression you can for potential buyers to sell your home quickly and for the best price.
Clean and Declutter Your Home While it may sound cliche' to some, we can't emphasize enough how important it is to make sure your home is clean and free from unsightly clutter. Follow these steps and you'll be glad you did when you receive an offer that's at or near your full asking price.
- Remove as much clutter as possible before you start to clean. There's no better time to get rid of unwanted items and things you're just tired of staring at each day (we're talking about objects, not family members!) You can donate unneeded items to a local charity, or have a yard sale if you have larger items. In addition, recycling companies are usually more than happy to come pick up large metal items – often at no charge.
- Give your house a good deep-cleaning. While this step will take the largest investment of time, it will also yield the best results. Try to involve the entire family and assign everybody a task or two. Make sure you give necessary attention to the bathrooms and kitchen – lots of women who will ultimately make the decision on the house purchase will be looking them over closely. Lastly, clean the inside and the outside of your home's windows. You'll be surprised how it will make your home sparkle – and buyers will notice!
- Take the time to organize your closets, cabinets and drawers. Don't just stuff them with things you want to get out of the way. You'll be surprised at how many prospective buyers will open cabinets and closets so they can get an idea of the amount of storage space they contain. Clean, organized cabinets, drawers and closets will give the buyers the impression that you take care of the home – which may translate into a feeling that the rest of the home and its systems are well-maintained, too.
Make Do-it-Yourself Repairs One of the next Chicagoland home improvement ideas – and possibly one of the least expensive – is to perform various repairs to your home you can take care of all by yourself with a little time and know-how.
- Fix leaky faucets and running toilets
- Replace the caulking around showers, tubs and sinks
- Repair or replace grout, if necessary
- Repair cracks, stains, or nail holes in walls and repaint them in a neutral color
- Fix cracked, broken or discolored windows
- Replace or repair damaged or missing window screens
- Replace burned-out light bulbs or fluorescent tubes
Improve Your Home's Curb Appeal The old adage, "You never get a second chance to make a good first impression" is never truer than when you're showing your home to prospective purchasers. If they don't like what they see in exterior photos online or in person, chances are they may not look further. And, if your home's curb appeal is just "average," most buyers may adopt the feeling the rest of the home is "average," as well. You want to "wow" your buyers. Make them love what they see on the outside and they will look forward to seeing the rest of the house. Consider these "spruce-up" tips for your home's outside, too.
- Trim the bushes, shrubs and trees in your yard
- Fix broken downspouts and gutters
- Apply new mulch as needed to give your planted areas a fresh, clean look
- Clean and repair concrete or stone areas such as driveways and walkways. Pay close attention to oil stains and weeds or grass growing through the cracks.
- Add some flowers to give your lawn and garden a little more color. Add a new doormat to your doorstep or front porch area. Ensure that the house numbers are clean and easy to see.
As you can see, with a relatively small amount of time, attention and expense to your home, these and a few of your own Chicagoland home improvement ideas will help you give it a renewed appearance – making it more attractive inside and out to prospective home shoppers.
You can find more articles pertaining to Chicagoland home improvement ideas in the Chicagoland Home Improvements section of our site below Chicagoland Real Estate Categories in the column to your right. We also post tips daily on Twitter and Facebook and would love for you to follow us there as well.
In recent Chicagoland economic news, it appears home buyers and home sellers are entering the coming spring selling season with a feeling of optimism. Despite interest rates moving slightly upward and home prices continuing to rise, housing sentiment is increasing as well.
Fannie Mae publishes an index each month that ranks buyers' sentiment. The most recent report showed buyers' sentiment about the spring real estate sales season has risen to the highest level in six years, in part, due to a strong showing by millennial purchasers.
The millennials segment of the home buying population mentioned solid increases in employment confidence and income gains, which go hand-in-hand for first-time home purchasers – creating increased demand in the housing market. And while millennials are finally making the move out of mom and dad's basement or spare bedroom faster than ever, the majority are still destined to rent, according to Fannie Mae's research and statistics. As the supply of affordable inventory in the housing market continues to plague many millennials, so too does the higher price appreciation. Simply put, most millennials still find it challenging to afford to purchase their first home.
However, an ever-increasing number of millennials are entering the housing market and that's making Chicagoland economic news. The same millennials that had put off marriage and having families are slowly turning their thoughts to home ownership. Recent research shows roughly 50% of millennial families have at least one child. That represents an increase of nearly 5% from last year and 7% two years ago. Real estate experts say children in the family is the most common reason young couples buy their first homes. With the U.S. home ownership rate at what has been near an all-time low, that's good news for millennials and good for the housing economy. In addition, when it comes to living in urban areas, the number of millennials desiring to live the urban lifestyle is decreasing – by more than 6% in just two years. They are opting for the suburbs for the spacious outdoor amenities like playgrounds and parks.
The Fannie Mae buyers' sentiment survey also revealed 85% of millennial buyers felt their home purchase was a "good financial investment." And why wouldn't they? They've seen the prices of homes rise consistently in many of the popular neighborhoods throughout the country and they're familiar with the average cost of a home – many have watched homes in their price range continue to rise faster than their income. Despite the higher prices, the fact that millennials see their home as a good investment should fare well for increased demand as they and other millennials begin raising bigger families and buy larger and newer houses as their families grow.
Experts say the Chicagoland economic news would include even greater demand for housing were it not for home values that continue to rise as a result of lower inventories nationwide – especially starter homes, popular with first-time home buyers. According to CoreLogic, nationwide home values increased 6.9% in 2016 compared to 2015. While home prices grew at a faster pace than incomes, the result was lower during the month of December 2016. Analysts cite a rise in mortgage interest rates immediately after the presidential election as possibly having an affect on asking prices by eager home sellers.
A CoreLogic spokesperson said, "Home prices continue to climb across the nation, and the spring home buying season is shaping up to be one of the strongest in recent memory." He further added, "A potent mix of progressive economic recovery, demographics, tight housing stocks and continued low mortgage rates are expected to support this robust market outlook for the foreseeable future."
According to the Fannie Mae sentiment report which measures consumer confidence regarding the housing market, the biggest gain in confidence was among those respondents who felt now is a good time to purchase a home. In addition, home sellers also felt it was a good time to sell. With more Americans feeling better about their employment and job opportunities, fewer are worried about losing their jobs. Other statistics in the survey showed more households are reporting slightly higher incomes – and the number of people surveyed expecting home prices to continue to rise did indeed increase. Lastly, among respondents asked about expectations that mortgage interest rates would drop, the survey percentages remained largely unchanged for the third consecutive month. This signals to researchers and real estate professionals alike that demand is high in the housing market, prospective purchasers are fairly bullish on home values and, so far, are not thwarted by what could possibly be continued slight increases in mortgage rates.
All in all, it appears that the biggest story in the Chicagoland economic news is that the housing market could see a relatively strong spring selling season. Prices will be as high as they've been for the past several months, but qualified purchasers will be fueled by steady incomes and job security for the most part – and, while interest rates are worth watching, most analysts feel they won't be a deterrent for purchasers anxious to trade up.
You can find more articles pertaining to Chicagoland economic news in the "Economy" section of articles just below Chicagoland Real Estate Categories in the column to your right. Remember to also check us out by finding us on Facebook and Twitter.
Chicagoland home insurance claims – especially during the winter – can be expensive. And, whether you live in a colder climate or a warmer winter one, damages caused by a number of perils can put a damper on things. Let's look at a few winter – and some all-season – claims and how you can best reduce the risk of them happening to you and your home.
Common Claims (and the Most Expensive)
Once again, it may affect some regions of the country more than others, but damage is damage, no matter where you live. Weather is a leading contributor to a number of Chicagoland home insurance claims. Frozen precipitation – or an abundance of rain, frozen or not – and extremely low temperatures are often responsible for a variety of potential home damage. The insurance industry listed a recent top five list of the most-often claims based on analysis of claims data (and all of them are not necessarily restricted to winter weather):
Water leaks (and flooding)
Wind damage
Hail damage
Frozen pipes
Roof damage from too much snow and ice
The claims analysis went on to rank the top three most expensive weather claims based on the average cost to repair covered assets:
Frozen pipes – $18,000
Hail damage – $10,000
Falling trees – $6,000
Historically, year after year, these and other Chicagoland home insurance claims total billions in insurance losses. The insurance industry estimates losses of more than $3.5 billion in 2015 and $2.6 billion the year prior to that.
Preventing Common Perils
Of course, perils such as wind and hail damage are difficult to prevent – but not completely impossible to minimize. Consider these defensive measures to prepare for the unexpected – whether it's in the winter or not.
- Inspect your roof and keep it in tiptop shape. Keep your gutters clean. Replace worn or missing shingles. By doing so, you can guard against potential water leaks. And water leaks can lead to a whole host of other claims issues.
- If you have an abnormal accumulation of snow and ice on your home's roof, act quickly by using a long-handled snow rake or hire the services of a business specializing in snow removal. It's better to be safe than sorry. Fortunately, in most areas of the country, this has not been an issue this year, as most of the country has experienced an unusually mild winter.
- Protect your water pipes. Frozen pipes – or old, damaged pipes – can cause expensive repairs. In extreme cold climates, keep your thermostat set at a minimum of 68 degrees. In addition, allow your faucets to drip slowly so the water can move through them without freezing. Lastly, make sure any water pipes located outside are properly insulated. For homes in warmer climates who rarely, if ever, have to worry about winter weather issues, ensure your pipes are sturdy, free of rust and unobstructed. Remember, old pipes can break, too.
- Make sure your trees are in good shape. Strong winds, ice and sleet often cause tree branches, and even the tree itself, to come falling to the ground – and perhaps on your house. So keep the limbs near your house trimmed back. Insurance experts further recommend to have an arborist inspect trees that may require pruning, may have diseases, or potentially may need to be removed altogether. Again, remember, such perils are not only restricted to areas of the country that have harsh winters. Many tree branches can be broken off by high winds – and entire trees can fall as a result of the ground becoming too saturated with rain or flood waters.
Protect Against Liability Claims
Another of the Chicagoland home insurance claims to be on the lookout for – and to avoid, if possible – are the common slip-and-fall lawsuits and resulting claims. Many of these such incidents occur in the winter, but of course, guests visiting your home can trip and fall anytime during the year, not just during the winter months.
Thankfully, most homeowners are covered against slip-and-fall lawsuits under their liability coverage in a standard home insurance policy. In addition, according to some legal analysts, slip-and-fall cases due to the accumulation of snow and ice on a homeowner's driveway, sidewalk or porch are difficult to win – particularly in cold-climate states where judges and juries view those perils as known and accepted weather-related hazards.
Regardless of the advantages mentioned above, it's always a good idea to be as prepared and proactive as possible when it comes to eliminating or lessening the potential for any slip-and-fall accident. We suggest keeping your driveway, sidewalk and other areas that you or guests may walk on free from snow and ice in the winter – or other debris or hazards during other times of the year or in other climates – in order to make it safer for all concerned.
Remember, Chicagoland insurance claims can be expensive – whether they occur in the winter or not. So, be vigilant, be prepared and be ready to address potential hazards around your house that could lead to damages or personal injuries causing you or your insurance company substantial losses – and greater headaches!
You can find more articles pertaining to Chicagoland home insurance claims in the Chicagoland Insurance section of our site below Chicagoland Real Estate Categories in the column to your right.
Remember, we post tips daily on Twitter and Facebook, many of these relate to insurance as it pertains to homes and homeowner's insurance. Check us out there.


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No doubt, the cow that jumped over the moon has inspired many a poet, artist, illustrator, and just plain visionary and/or liver of life. Because it is so very common, we might tend to overlook the importance of a simple rhyme like Hey, Diddle, Diddle, but allow me to remind you how very, very important simple nursery rhymes actually are:
Hey, diddle, diddle,
Hey, diddle, diddle,
The cat and the fiddle,
The cow jumped over the moon;
The little dog laughed
To see such sport,
And the dish ran away with the spoon.
Consider all of the fantastic things going on in those few lines. A pet animal has become so very real that he can play a musical instrument, and not only that, he is playing a song that makes folks want to dance. Life is being lived at the max: it is over the moon–heavenly–and common household items have become human. They have gotten married, and have run away for a life of bliss.
Life just does not get any better than what is described in Hey Diddle Diddle. I have spent my entire life, trying to get over that cow's moon. Haven't you?
Let's give the cat, the fiddle, the cow, and the moon credit: They taught us how to dream.
I grew up reciting nursery rhymes, and I am quite sure that today, I still have a nursery-rhyme-mind. I think in cadences, and invariably, when I write a picture book manuscript, I do so in rhyme. The magic of childhood has been captured in nursery rhymes and by wonderful illustrators like Clara M. Burd who died 17 years before I was born in 1950.
I grew up chanting about Mistress Mary and her garden filled with cockle shells and cowslips all in a row, and to this day, I slave in my garden, trying to create a fairy tale escape for myself.
Jacki Kellum Garden Read Why Everyone Needs A Secret Garden Here at jackikellum.com
I grew up believing that Daddy had gone a hunting for a bunting to wrap me up and protect me in, and perhaps there is something wrong with that kind of fantasy, but I seriously doubt it. I believe that children need to be wrapped and swaddled and cuddled and protected. I believe that they need to learn to find magic and wonder while they can.
[Love Life and Life Will Love You Back by Margaret Tarrant who was still illustrating when I was born in 1950.]
I believe that children need to learn to love life. Certainly, as a child matures, life will find ways to come around and turn all of that magic on its head, but I believe that the child grounded in the wonder-world of nursery rhymes will have an arsenal to fight the evil that will surely come his way.
Even as a child, I realized that things could go wrong. After all, Humpty Dumpty fell from his wall. A bit of reality is not bad, but I see no reason to turn children into cynics. As they become adults, they will have plenty of disappointment and set-backs. Eventually, fighting cynicism becomes difficult for most of us. Childhood is a time for picking rosebuds and for filling one's well with optimism. It is a time for banking happiness and a time for preparing and for establishing attitudes that will hopefully carry us through the hard task of living.
The Owl and the Pussy-cat went to sea
In a beautiful pea green boat,
They took some honey, and plenty of money,
Wrapped up in a five pound note. …
They took some honey, and plenty of money—what more could anyone want? Honey and money–the sweet stuff of life and PLENTY of money–enough money to pay the bills: that is more than enough for me, and that has become my mantra–Please, God, continue to provide me with what has become enough for me, and help me to Dance by the Light of Your Moon.
"Dear pig, are you willing to sell for one shilling
Your ring?" Said the Piggy, "I will."
So they took it away, and were married next day
By the Turkey who lives on the hill.
They dined on mince, and slices of quince,
Which they ate with a runcible spoon;
And hand in hand, on the edge of the sand,
They danced by the light of the moon,
The moon,
The moon,
They danced by the light of the moon.
From Owl and the Pussy-Cat by Edward Lear
They danced by the light of the moon– That is what I want to do. I want to Dance by the Light of the Moon, and because of God's grace, I do.
On Silver Sheets, I Sail
by Jacki Kellum
Just before I open my eyes
I float along the misty skies.
I reach, I feel the soft, white hair
and fairy wings that flutter there.
I listen, I hear the slumber song,
The angel band that plays along
My dreams are in my pillow-pail.
On silver sheets, I sail.
©Jacki Kellum July 4, 2017
©Jacki Kellum August 1, 2017


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container gardening services
our namesake: pots and boxes.
we'd love to design, plant, and maintain your outdoor container gardens for spring, summer, fall, and holiday. pot and box founder lisa has over 20 years experience in horticulture and landscape design, and, well, named the business after them!
we'll start with a meeting at your business or home to hear your vision and get to know you, after which we'll prepare a proposal and estimate for the design and planting of your containers and optional maintenance visits. once the plan is in place, we'll be by to beautify! the horticultural team can come by weekly to care for your plants--watering, plucking, fertilizing--to keep your lovelies lovely.


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Our house has a bunch of different entrances. We use the front door and then the door that is down in the basement, into what we call the mud room. There are actually two more but we really don't use those. During the school year, the kids would come home and just dump everything on the floor of the mud room, so I decided that we needed to do something about it. So I labeled the hooks for their coats and got containers to hold shoes. And then I felt like I needed to make it cute too! So here is our little mud room.
I love the look of shelf! The bright colors make it look so much better in there.
No mud room would be complete without a rug to wipe your feet on. I painted this one to make it match the décor.
Here's a fun pallet art that I made.


text:
Paul Potts Article Library
And the Britain's Got Talent winner is…Paul Potts!!!
Paul Potts. Everyman's Pavarotti. We all hoped he'd do it – and he
You could cut the tension with a knife as the nation waited in anticipation for Ant and Dec (that's Dec – always on the right) to announce the winner of "Britain's Got Talent' 2007. There could be only one winner, and from the moment Paul belted out THAT note at the end of a truly great performance of Nessum Dorma– after winning our hearts with his modest, shy demeanour – Paul Potts was OUR winner. Read More About Paul Potts »


text:
'Waiting for the Right Snapper' - Season 5, Episode 19
When Charlie meets the fiancée of Angie's grown-up son, he realizes it's not for the first time. Alan tries to get Jake to study for his algebra final.
Air Date: May 18th 2008.
Charlie: So what do I owe you?
Dr. Freeman: Well, I get $200 an hour, you were here for 5 minutes, so why don't we just round it off and say $200?
Charlie: Man, even hookers prorate.
Dr. Freeman: This woman you're seeing is a mother figure.
Charlie: "A mother figure?" I said she's warm, nurturing and supportive. The words, "toxic she-devil," did not pass my lips.
Evelyn: We're at the same theater. What a happy coincidence.
Charlie: Yeah, just like Booth and Lincoln.


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Hello, All
I started using the form actively making my first post. I am an Engineering Researcher critical thinking is part of life.
I want to get to discuss on ancient philosophies, current society, future of society, religion and atheist, marriage and celibacy etc... Interested in the entire philosophy of life.
Hope to get to know great minds of future, present, and past too.
Hello to everyone once again.
Praveen D


text:
HERE is an equation I don't understand: A) Australians are as outraged as the rest of the world by the terrorist actions of Islamic extremists in several countries (not ours), and say en masse that they don't want to see that or the types of acts of violence or persecution of women and children or violent oppression of minorities in their own countries to happen here.
B) Australians hear local Muslim leaders loudly decry violence in the name of their faith, repeatedly, and hear them say they want people in their communities to integrate into "the Australian way of life", and contribute like anyone else. They want peace too and insist Islam doesn't justify or vindicate the acts of people killing others in its name. "This is not Islam," many leaders have been heard to say.
C) When we get our first Muslim frontbencher, Ed Husic, and he swears allegiance to our country as he is sworn into Parliamentary office using a Koran instead of a Bible, he is targeted with a torrent of racial and anti-Islamic abuse on his Facebook page and other social media. Then on ABC radio this morning most callers say they agree it's "un-Australian" to swear on something other than the Bible and in effect they agree with the spirit of what Mr Husic's trolls have said.
But here is the problem, the answer we are all after, D), a happily integrated multicultural community in Australia with shared values and community participation whatever their religious faith, simply cannot be achieved if you add A plus B plus C. To get to the place where we are a homogeneous nation surely tolerance is a key, if not THE key to making the equation work.
How many times do we need to hear Australian Muslim spiritual leaders damn the actions of violent extremists and ask for support to help Muslims here feel accepted and supported - rather than alienated and marginalised - before we get it that kneejerk anger towards peace-loving local Muslims as a reaction to overseas acts of terror is utterly destructive.
Yesterday when I read the story about religious fanatics in Pakistan shooting dead two sisters aged 16 and 15 for dancing in the rain on the grounds that they were bringing dishonour on their village and faith, I felt as sick as everyone I know who read it.
How can anyone consider shooting two happy girls - caught smiling as they danced in their robes in the rain - and their mother to be an act of religious devotion? It's just a criminally disgusting act. To do it in the name of any faith does make it so much harder for the majority of people who adhere to it to avoid being attacked by people reacting emotionally to such devastating news.
But trolling a guy whose ascent to Parliamentary Secretary in what Quentin Bryce said yesterday was "a wonderful day for multiculturalism and everything it stands for in this country" is not going to produce absolutely anything worthwhile, constructive or good.
Just how do you think angry young men who have been caught committing acts of terror or violence in, say London, get disenfranchised enough to become radicalised anyway? Sure, there are some fringe-dwelling extremist leaders aggressively trying to recruit them, but you can't tell me that being made to feel not just like an outsider but an unwelcome alien in the country you were born in has nothing to do with it.
It is this type of divisive hatred not being sworn in on a holy book other than the Bible that is truly un-Australian.
Join the conversation on The Punch's Twitter account @ThePunchHQ or at our Facebook page.
Have your say in the comments section below.
Originally published as Attacking religion is 'un-Australian'


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Pine Hill
Pine Hill, New Jersey, lies about 30 miles southeast of Philadelphia and 90 miles southwest of New York City. The city's slogan, "Home for a Lifetime" represents the high level of married couples and families who settle in the area, although a large percentage of the residents are single professionals.
The small borough — 4.1 square miles — prides itself as a happy hybrid of suburban convenience and beautiful rural scenery. Here, you'll find plenty to do, see and eat.
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Rent Trends
As of November 2017, the average apartment rent in Pine Hill, NJ is $854 for one bedroom, and $1,300 for two bedrooms. Apartment rent in Pine Hill has increased by 4.0% in the past year.
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Living in Pine Hill
Pine Hill holds its own against its more populous neighbors in terms of food options. Parilla La Fogata, an authentic family-owned and operated casual establishment has severd the area for years. Enjoy the Spanish music as you dine on huge portions of authentic Mexican fare. The inexpensive menu offers traditional items including tacos and quesadillas as well as Mexican-inspired sandwiches. One tip: The restaurant only takes cash, so stop by the ATM.
For eat-in or take-out, Pine Hill Pizza and Grill hails as a town favorite. The home of the Original Tarantini Panzarotti — deep-fried special dough filled with mozzarella and other fillings. Pine Hill Pizza and Grill also has some of the best pizza in South Jersey. Fast delivery and good prices make this the perfect joint for quick dinners after a hectic work day.
For a more exclusive night out, become a member at the Trump National Golf Club, and try the club's exquisite meals. The golf club also features an international wine list. Though you have to be a member or a guest, the club also hosts occasional open nights to try entrees made fresh by top chefs. Come at sunset to enjoy the marvelous view of the city though wall-length windows while you dine.
South Jersey prides itself in its local taverns and low-key nightlife, so most locals enjoy imbibing at local bar on Friday and Saturday nights. Try Lucky Tavern on Erial Road for inexpensive brews from an impressive local beer list. Here you'll find friendly, laid-back bartenders. Another option just up the road is Pine Hill Tavern, which plays local cover bands on the weekends, often with no cover charge.
For something different, you can always head into Center City, Philadelphia, to dance, or venture down to Atlantic City, and try your luck at the craps table. Both beckon from a short drive away, or you can ride on the PATCO, which makes Pine Hill a convenient location for those who occasionally seek rowdier nightlife.
The Borough of Pine Hill established itself in 1929 and was aptly named because of its hilly topography and the array of pine trees in the area. Most of the pine barrens are protected by environmental protection laws, so this area won't ever grow into a huge suburban sprawl. Pine Hill takes environmentalism very seriously and prides itself on having one of the strongest recycling programs in the country.
At one point in its history, many Leni Lenape Indians resided in the area. You might even find an arrowhead or two while out gardening in the yard.
The home of one of the area's earliest settlers, Isaac Tomlinson, still stands in Pine Hill. The county purchased the Federalist style house in 2000 in the hopes of restoring it as living history. Once a large homestead comprising several acres, the Tomlinson house stands on a small plot with a family cemetery nearby.
Most residents in the Pine Hill area own cars as driving remains the most convenient option. However, New Jersey Transit offers the 403 bus line, which carries residents to stops between Camden and Turnersville.
The Lindenwald PATCO High-Speed Line station sits only a short drive away, so residents can get to Philadelphia or other New Jersey towns within minutes. You can easily find cabs at the Lindenwald station, though in most areas you will need to call a cab to pick you up. The easiest way to get to New York City is from Trenton, where a NJ Transit train will whisk you to the Big Apple in less than 90 minutes.
The neighborhood is walkable and bikeable with many wooded trails. Not all the major highways have bike lanes, so use caution.
The area is quite economically diverse: million dollar homes nestle in the same neighborhood as lower-rent apartment buildings, so the cost of living in Pine Hill varies greatly. The average rent for a one-bedroom rests at $748 per month.
The pub culture keeps beer costs low, and at most places you can find a brew for under $5. Gas prices in Pine Hill average at 15 percent lower than the national average.
Residents can drive to the PATCO Lindenwald Station, and catch a train to Philadelphia for only $3 one-way.
Grocery stores are easy to come by in the area with a Save-a-Lot, Aldi, and ShopRite within a few miles. New Jersey grows some of the best produce in the county, so many locals prefer to peruse the farmers markets. In the winter, head to nearby town Berlin to the Berlin Farmers Market. The market also runs a flea market as well as an Amish stand with fresh pastries and goods from Lancaster County. Deptford Mall remains a favorite retail shopping hub about 8 miles away, and features many major chain retailers. Many of the local businesses in the Pine Hill area have been in operation for years. Pine Hill Hardware has been in business for over 50 years and holds all your hardware and home improvement needs. In addition, the owner and his son do window instillation. Established in 1985, Heart of Gold Jewelers is another long-standing Pine Hill business. Owners Sam and Stacy Rizzo are well known for their friendliness and will work to find you the just the right piece. They also repair watches on site.
Fitness buffs will love Pine Hill. Besides the city's running trails, check out the Charlie Bowden Recreation Complex and its numerous soccer and football fields. There are also several walking trails, and dogs are welcome on-leash. Many runners also utilize Overbrook High School's track on nights and weekends.
To tire your young ones out, bring them to one of the town's many playgrounds, including the West Fifth Avenue Playground for infants on up to children aged 12. The playground has safe equipment such as swings and see-saws as well as grassy areas for play.
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text:
A couple on the verge of divorce begrudgingly agree to an unorthodox marital retreat. Despite warnings and portents, Hilary and Jack travel to the remote Washington scablands, braving a strange religious demonstration to arrive at Balustrade, an oddly voyeuristic couples program.
Under the tutelage of Chantal, a harsh mistress, and Ludo, a brooding sex surrogate, the couple find their most intimate relations under discomfiting scrutiny. The therapy is ritualistic, sensual, wearing away their inhibitions to lush, orgiastic ends. For a while, Hilary luxuriates in a slippery, sensual descent into wickedness. But when time begins to disintegrate in dream-like fugues, sexual awakening takes a turn for the sinister.
Clandestine cabals whisper behind closed doors. Robed figures congregate in the dark cavern at the apex of the strange building's courtyard.
Nothing is quite as it seems. And a question looms....
Is it the intention of Chantal and Balustrade to help mend their failing marriage? Or are their minds and bodies being groomed for more sinister, carnal purposes? Hilary must strive to unlock the secrets behind Balustrade before it pushes her to the brink of insanity and ignites her darkest urges.
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Read with your spouse and get what you really want
It was impossible to listen to it and try to pause it. I had to listen start to finish and cant wait for the next segment
I liked Jack until the end then I realized he was using his wife as a pawn. That doesnt mean I suddenly preferred Hilary as a favorite character just that my loyalties flipped immediately on Jack. So I am waiting for the next segment in the trilogy before I settle on a favorite character
I had never heard her narration before and I am glad it was entirely done with a female narrator. I think if it had been a male and female each narrator male/female characters it would have taken me out of the story a bit. She did a wonderful job altering her tone for each character in the story
- Kendall
Extraordinary, sensual and beautifully written!
Balustrade is compelling and not a book I wanted to see end. The characters are well developed and easy to relate to. The dialog is cohesive, funny and smart. This book is wrapped around a mystery, which is not given away until the very last page. I am not one who likes to read a book which is predictable, so I was delighted to be surprised all the way to the end of the story!! There are explicit sex scenes that are actually sexy and hot! I also thought the narrator did an excellent job moving from male to female characters flawlessly!
Hilary was my favorite character because she does not know her own power as the story begins. However, by the end of the story we see a very different person.
This was such a fascinating story I had a very hard time getting out of my car and going into work.
I am not usually drawn to erotica. However, the story was very mesmerizing and the characters so human, it drew me in from the first page. Hollie Jackson has a beautiful voice, which gave life to the story! Mark Henry has done such an extraordinary job creating a world and characters who are so believable you want them as your friends.
- J. Rash


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Afternoon analysis 29.12.2015:
The euro dropped against the dollar as the market sentiment improved. The Russian rubble extended losses on falling oil price and weak economic reports. The zloty was stable in a low volatility environment.
On Tuesday the broad market sentiment improved. The European markets increased as well as the US index futures. Commodities prices hovered near little above their recent lows. Improvement in the market sentiments means rising pressure on the EUR/USD. The factor responsible for the situation is divergence between the ECB and the Federal Reserve monetary policy.
Cheap oil hurts the economy
As the oil price continues to decline, the crude exporting countries suffer. Today's data on the GDP growth in Russia revealed the cumbersome position of the nation.
In November the GDP dropped 4 percent on a yearly basis. It dropped 0.3 percent from the previous month. It has been the first drop in five months. The government forecast that GDP will drop 3.9 percent in 2015 and it will rebound 0.7 percent in the next year.
Weak GDP numbers negatively affected the rubble and strengthened the impact of oil slide. Today the USD/RUB moved above 72.80. The current level is the highest in history (excluding a brief moment when it moved near 80 in December 2014). Difficulties hit the other oil exporting countries like Kazakhstan, Azerbaijan or Nigeria (more on the issue in the previous commentary).
Stable zloty
In an interview with the PAP agency finance minister Paweł Szałamacha said the budget plan assumptions will not change. The deficit plan is 2.8 percent GDP. The government expects the GDP growth at 3.8 percent and the inflation rate at 1.7 percent. Szałamacha said that social spending in 2016 will be financed with sector taxes and LTE auctions. The finance minister expects in the next years social spending will be financed with increased effectiveness of the tax system.
Important information is that the government will probably postpone the promise to increase the tax-free allowance. (according to the RFM FM radio). Later the PAP agency said that the bank levy will increase to 0.0366 percent from 0.0325 percent. All actions are aimed at the plan to fulfill the promise to keep deficit below the 2.8 percent GDP threshold.
Concerns regarding the stability of the Polish public finance negatively affected the zloty in the fourth quarter. Given the heightened political risk the zloty dropped to the long term lows.
However, in the second part of December the zloty recouped some losses as the anxiety concerning the fiscal stability ebbed. Moreover, the economic performance improved in the last few weeks. The numbers on unemployment rate, industrial production and retail sales exceeded the forecasts. Another important factor is that the new members proposed to the Monetary Policy Council are considered less dovish that previously thought (more on the issue in the previous commentary).
As a result, in December the zloty was the best performing currency in the 31 currencies setting tracked by Bloomberg. The zloty will probably stabilize near its current level.
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This commentary is not a recommendation within the meaning of Regulation of the Minister of Finance of 19 October 2005. It has been prepared for information purposes only and should not serve as a basis for making any investment decisions. Neither the author nor the publisher can be held liable for investment decisions made on the basis of information contained in this commentary. Copying or duplicating this report without the written permission from Cinkciarz.pl Sp. z o.o is prohibited.
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The EUR/USD performance at the end of December in recent years. Is is possible that moves in that...