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HOW TO REDUCE YOUR INCOME TAXES BY GIFTING TO YOUR CHILDREN OR PARENTS By Jeffrey Brooks – CPA. Please consult with your professional tax CPA regarding your specific circumstances!
You 25 year old adult child is having trouble financially so you gift cash to help her out. Did you know that this is not a smart tax strategy?
Instead, you could gift your businesses furniture, fixtures and equipment or cash to buy assets and your daughter could charge your business a fair market value rent and report the taxable income at her lower tax rate.
However, there are assets that you should not gift to your child. If you bought a SUV for $60,000 that is worth $40,000 but has been depreciated down to $21,000, gifting this asset would result in the triggering of recapture taxable income for you of more than the $19,000 ($40,000 less $21,000). When you dispose of assets that you took Section 179 "fast depreciation" and 50% bonus depreciation, you have to recapture the depreciation to the extent that the asset would have been depreciated over the longest time frame or life using the ADS Alternative Minimum Tax method! By gifting to your daughter the business use of the vehicle goes below 50% (actually 0%).
The recapture tax could be as much as $20,000!
The recapture tax normally affects what is called "listed property" like a vehicle and computer located at your home that my definition can have both personal and business use.
When these "listed" properties are gifted to your child, you need to recapture part of the depreciation you used by calculating the depreciation using the ADS statutory life used for alternative minimum tax purposes (longest life), and for nonlisted property is the MACRS statutory life used for regular tax purposes (shortest life).
So, the best thing to do is ALWAYS check with your professional tax CPA to avoid an unpleasant surprise.
Another common mistake is gift an asset that would result in a tax deductible loss if it was sold. By gifting the asset, you lose the tax savings from a tax deductible loss!
Clients think that there is a tax deduction by gifting a business asset to a relative. Unfortunately that is not true. However, if the fair market value of the asset exceeds $14,000, the excess over $14,000 can result in an increase in estate tax after you pass on. However, estate taxable life time exclusion for married couples is close to $10.5 million so most of us do not have to worry about an estate tax.
So, let us say you gifted $50,000 of furniture, fixtures and equipment in one year. If you are married and your daughter is married, you could avoid having to reduce the $10.5 million lifetime exclusion. You and your spouse could each gift $14,000 each to your daughter and son-in –law or a total of $56,000 so the $50,000 would not reduce the estate lifetime exclusion.
But let us be practical. If your estate assets are $500,000, you and your spouse could gift the $50,000 to your daughter and $28,000 would be allowed ($14,000 each) and the $22,000 ($50,000 less $28,000) would reduce the lifetime exclusion of $10.5 million. This isn't a problem because your assets are way under the $10.5 million.
Remember when you gift business assets, your daughter's basis for future depreciation is the lower of basis or fair market value. If the undepreciated basis of $46,152 is less than the $50,000 fair market value, your daughter's basis in your business furniture, fixtures and equipment is $46,152 not $50,000.
If your daughter was a full time student who gets half her support from you, all of the taxable income from renting your business assets to your business would be taxed at your high tax bracket.
This is called the "Kiddie Tax" Problem. Prior to 2008, the "Kiddie Tax" at the parent's rate was only on kids up to age 17.
Beginning in calendar year 2008 for calendar-year taxpayers, lawmakers expanded the kiddie tax to include full-time students under the age of 24 who did not have earned income that was more than half their support.
If you give a business asset to a child to whom the kiddie tax applies and then the child sells that asset, the kiddie tax applies the parent's tax rate to that sale. Therefore, you gain no income-splitting tax benefits at the federal level when you make a gift to a child who is subject to the kiddie tax.


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Cross traffic
Watch out for traffic, even on quiet country roads. Continue reading Cross traffic
Notes from the American road
Watch out for traffic, even on quiet country roads. Continue reading Cross traffic
As a beautiful September day exploring a stretch of Lake Michigan shoreline drew to a close, I stopped at a … Continue reading Giant tree shadow
Norway Dam, also known as Seven Mile Dam, on the Thunder Bay River in northeast Lower Michigan, is perfectly servicable, … Continue reading Norway Dam on the Thunder Bay River
Beauty sometimes follows the rain. Poppies past their prime look alien in the sunshine. Continue reading Poppies after the rain
On the road away from cold, seeking warmer weather. Snowbirds are people, typically retired folks, who flee the north's cold … Continue reading Heading South
The Great Race began in Traverse City on Saturday. Named for the 1965 movie about a round-the-globe race that starred … Continue reading The Great Race 2012

subset: commoncrawl


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We are the #1 Home Security Company on Consumer Affairs with 5 stars and 9,150 reviews.
Our Shreveport, LA branch protects homes and businesses in and around Northwest Louisiana along the Red River, northwards into Southwest Arkansas and westward into Northeast Texas. The surrounding area is known for its pine forests, cotton fields, wetlands and waterways.
From the small towns that dot the region, to the larger metropolitan areas of Shreveport and Texarkana, we deliver peace of mind for your home and business.
Northwest Louisiana including: Bienville, Bossier, Caddo, Claiborne, DeSoto, Grant, Jackson, Lincoln, Madison,Natchitoches,Ouachita, Red River, Sabine, Union, Webster and Winn parishes
How many people live in your home? What's your schedule like? What are your concerns? Kids? Deliveries? Travel often? Pets? Elderly parents? Our consultants tailor a solution that's the right fit for you.
Our branch believes in giving back to the community. In fact, you might have seen us on KTBS 3 News when we donated six security cameras to El Compadre restaurant in Shreveport after an armed robbery occurred there. Now the restaurant is better protected, and your home or business can be too!
We're always there for you with 24/7 award-winning monitoring. And with uninterruptible power supplies, there is never a lapse in your monitoring. We'll send help, even when you're not home.
Securing the things you treasure most -- like your family, home and valuables.
Your family. Your home. Everything you own. You can't always be there to protect what you care about most. But with Vector Security, you'll benefit from multiple monitoring centers that ensure that help is always near and a single app to control all of your connected devices.
From monitored burglar and fire alarms, to video, smart lights, locks, doorbell cameras and thermostats...even personal emergency response...enjoy comfort and convenience knowing your home and loved ones are protected.
Choose Vector Security and check off one less thing to worry about in your busy lifestyle!
As a business owner, you work hard to make your business succeed, it's your livelihood, so it's important to protect it against internal and external crime, fire and environmental hazards.
Our security experts create a security solution based on the needs of your business. We ask the right questions, get to know your business objectives, opportunities and challenges. Then we find the right mix of products and services that are the perfect fit. And we're there for you beyond that, every step of the way, understanding that your needs may evolve as your businesses grows or changes.
From consultation and design, to installation, monitoring and service, we integrate our products to provide smart, cost-effective, quality security solutions for you.
We are the #1 Home Security Company on Consumer Affairs with 5 stars and 9,150 reviews.


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The Government has launched its new white paper on plans for a National Care Service.
The white paper comes after wide consultation with many people including disabled people in wolverhampton who came to our 3 consultation meetings to have their say and be part of our submission to the Government>>
They seem to have moved from their original position – opposite to the funding of the health services – that only individuals who need care will pay for it – taking notice about what many disabled people's groups have said on the matter.
Minister Andy Burnham said:
"I feel very strongly that this is a responsibility we must all help to shoulder. And it's clear from what we have heard from the thousands of people who have given us their opinions on this over the past twelve months, that people agree. That's why we know that the fairest way to help everyone who is affected by a serious disease, illness or disability is for us all to pay into a system so we get free care when we need it."
You can download your own copy of the white paper here>>


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Discover four of the East Coast's most thrilling cities, from the American Revolutionary history of Boston and Philadelphia, the iconic skyline of New York, to the famous landmarks of Washington D.C. Enjoy a blend of free time to explore cities at your own pace, and to suit your own interests, with included sightseeing to showcase the history and landmarks of each city.
Holiday Highlights
- Discover the historic highlights of Boston on a guided tour
- Boston harbour cruise to see the Bunker Hill Monument and the Boston Tea Party ship
- Guided tour of New York's most famous landmarks, plus free time to explore the city at your own pace
- Visit the Liberty Bell and Independence Hall and other historic sites during a sightseeing tour of Philadelphia
- Locally guided tour of Washington D.C., including city landmarks and Arlington National Cemetery
Holiday Includes:
- Flights (Tour only option available)
- Overseas transfers
- Services of a tour director
- Tours and excursions, as described**
- Seven nights' hotel accommodation
- Porterage
- Three breakfasts
- All airport taxes
- Single share option available
Snapshot Itinerary:
- Days One and Two - Boston, Massachussetts
- Days Three and Four - New York City, New York
- Day Five - Philadelphia, Pennsylvania
- Days Six to Eight - Washington D.C.
- Day Nine - UK
Various departures available in 2020
Contact one of our dedicated travel specialists today to enquire about this holiday
01234 326 778
Or visit us in our Bedford shop to find out more
**Please note that optional excursions or tours are NOT included
Independent and family-run travel agent, with a dedicated team of travel specialists with decades of experience, at Select Travel Holidays, you can be assured of first-class customer service and making your dream holiday a reality.
Let our website inspire you, give us a call, or pop in to our shop on Mill Street, Bedford, where you'll be greeted with a friendly smile, and our travel specialists will take care of all the details of your next holiday, so all you have to do is enjoy exploring the world! Whether an all-inclusive luxury resort, an epic rail adventure, or a small group tour, and everything in between, we're here to help you discover the world's most beautiful and exciting destinations - on land or at sea!


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One of the greatest joys of summer is biting into a piece of sweet fruit which can only be found at this time of year. Sadly, seasonal fruit lovers are now being warned to take some extra caution when shopping for their summer favorites. The Food and Drug Administration has recently announced that a California company, Wawona Packing Company, has issued a voluntary recall of some of its products.
In particular, Wawona says that whole peaches, nectarines, plums and pluots sold by the company and distributed nationwide to retailers and wholesalers may contain Listeria monocytogenes. Consumers possessing these items purchased between June 1 and July 12 should not eat them.
This warning is primarily directed at fruit sold individually. Wawona Packing has already notified specific retailers in Missouri and Illinois who were sent the potentially contaminated lots. Those retailers have sense pulled and removed the suspected fruit from their stores.
Consumers have a right to expect the food they purchase to be free of potentially harmful contaminants. Conversely, a retailer has a duty to exercise reasonable care when introducing a product for commercial use into the marketplace. This standard also applies to pharmaceutical manufacturers, makers of children's toys and just about any item which is commercially sold.
Consumers injured because of defective or dangerous product may be entitled to sue the manufacturer or seller under for products liability. If successful, victims injured by a defective or dangerous product they purchased can be awarded compensation for their injuries and their pain and suffering. Additionally, victims may also be able to recover lost wages and medical care costs.
Source: KY3, "Distributor voluntarily recalls stone fruits sold across the country" Jul. 20, 2014


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Press Release
<< Back
Synchronoss Launches the START Program
BRIDGEWATER, N.J., Mar 17, 2011 (BUSINESS WIRE) -- Synchronoss Technologies, Inc. (NASDAQ: SNCR), the leading provider of activation and enablement of cloud services, today announced the rollout of its Synchronoss Technologies Academic & Recruiting Training (START) program. Through this program Synchronoss is looking to recruit highly motivated undergraduate and graduate students for summer internships at Synchronoss' facilities in Bridgewater, New Jersey and Bethlehem, Pennsylvania.
The START program, which runs from May 2011 through August 2011, is open to undergraduate and graduate students pursuing a career in computer science, business, engineering, and software or information technology. For 2011, Synchronoss plans to hire up to 50 interns with the intention of offering some select candidates full-time positions at the end of the program. The select candidates may also qualify for tuition reimbursement.
"Synchronoss is a fast growing company that serves some of the largest communications service providers and original equipment manufacturers around the globe," said Stephen G. Waldis, Chairman, CEO and President, Synchronoss Technologies. "Our environment is one where passionate and creative minds come together to develop cutting edge technologies and we are always looking to expand our capabilities with local talent. With the launch of the START program, we are providing students with an exceptional opportunity to prepare themselves for their future and perhaps a future with Synchronoss."
Synchronoss will be conducting on-campus interviews at Lehigh University, Moravian College, Lafayette College, Rutgers University, Seton Hall University, and Princeton University.
For additional information about the START program, please visit: http://www.synchronoss.com/careers.phpor contact firstname.lastname@example.com
About Synchronoss Technologies, Inc.
Synchronoss Technologies (NASDAQ: SNCR) is the leading global provider of on-demand transaction management technology. The company's ConvergenceNow(R), ConvergenceNow(R) Plus+(TM) and InterconnectNow(TM) technology platforms enable communication service providers, cable operators, retailers/e-tailers and OEMs to automate subscriber activation, order management, provisioning and content transfer and synchronization of connected devices, across any network from any distribution channel. For more information visit us at:
Web: http://www.synchronoss.com
Blog: blog.synchronoss.com
Twitter: twitter.com/synchronoss
The Synchronoss logo, Synchronoss, ConvergenceNow, InterConnectNow and ConvergenceNow Plus+ are trademarks of Synchronoss Technologies, Inc. All other trademarks are property of their respective owners.
SOURCE: Synchronoss Technologies, Inc.
Synchronoss Technologies, Inc.
Stacie Hiras, 908-547-1260
Tim Dolan, 617-956-6727


text: Troy 2,591 Posted June 29, 2015 Report Share Posted June 29, 2015 According to Toni Morrison it is Ta-Nehisi Coates.His latest book, Between the World and Me, was supposed to come out in September, but has been pushed up to July 17th. It is unusual for a publisher to move a in this fashion but given the demand for the book decided this was the right move.According to the Wall Street Journal, "To build support for the book, Spiegel & Grau in May sent advance-reader copies to a small group of influential people interested in the subject, including Mr. Legend and Mr. Remnick, editor of the New Yorker, Mr. Jackson said."AALBC.com I was not on that short list. Mr. Jackson is a Black man. As far as I know he is the most senior Brother in Publishing. I did however pick up a copy of the book, at Book Expo, one of two I came away with that day. I had to wait in line like everyone else to get a copy (this is shameful in my not so humble opinion).Both Coates and Mr. Jackson have been to my home.A luta continua... Quote Link to post Share on other sites


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We live in the technology era, and modern-age conveniences have changed the way we work, rest, eat, the way we spend our free time, and even the way we spend time outdoors.
Cool tech gadgets and superb wilderness accessories are designed to boost your comfort, keep you safe, and make your trip more enjoyable.
With all the awesome bits of tech available, even those who can't imagine staying outdoors will want to answer the call of the wild.
But before equipping your backpack with tech gadgets, you need to pack properly first!
A Guide to Light Backpacking
When heading for an outdoor trip, packing light while not leaving vital things behind is on everybody's mind.
Since you don't want to toss everything in without any order tips for light backpacking are essential for bringing everything you need without overpacking.
Start with your backpack – it needs to be light, durable,


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Being human, we are bound to make mistakes in our lives, some more costly than others, but it happens at some point for all of us. Getting behind the wheel of a vehicle is a big responsibility when sober, however, it becomes a crime when you have had too many to drink. While it is never encouraged to drink and drive, the legal limit is in place so that adults can enjoy themselves a responsible amount and still drive home.
There are serious punishments in place for violators of this law and the potential consequences could be deadly. Drinking and driving is no lighthearted matter, and the state of Arizona takes it incredibly seriously. If you do happen to make that mistake of drinking and driving, we want to provide you with some information to help you minimize the potential outcomes of your mistake.
Here are some important tips to keep in mind for what to do if pulled over for a DUI, and how to deal with the consequences of your actions.
While estimating your Blood Alcohol Content (BAC) is difficult to do; keeping track of how many drinks you've had over a certain time is very helpful. Everyone processes alcohol differently and is not affected in the same ways.
There are several factors that can influence the number of drinks per hour you can consume (in theory) and still be legally able to drive. Weight, metabolism, stomach contents, length of time drinking, etc.
Both are criminal charges but have some differences.
1. DUI is short for "driving under the influence," and this can include alcohol or drugs.
2. DWI is short for "driving while impaired," and this only pertains to alcohol.
This means that depending on various factors, you can be arrested and charged with a DUI, even if your BAC is below the legal limit of .08.
Before you even put yourself into a position where a mistake can happen, it's important to understand the legal, financial, and restrictive penalties that come with a DUI charge. Worst case situation carries the following penalties:
1. 180 days in jail; home detention eligible after a mandatory 36 days
2. Fines up to $5,000, plus jail/home detention and monitoring fees
3. Screening and counseling
4. License suspension up to one year
5. Interlock device for two years on a vehicle
6. Up to 30 months of community service
While these consequences are harsh, the situation can become even more severe if a property was damaged while driving or personal injury or death happened as a result.
Police are trained to spot cues to detect drunk driving, so thinking that you can get away with it is a silly thought, to begin with. When the lights flash, the first thing you want to do is pull to the side of the road, safely and in a well-lit area. Police understand that your safety is important too, and they will follow you until you are able to pull the car over in a spot that you feel safe.
Once you've stopped the car, put it in park and turn it off. Remove any hats, hoods, or sunglasses, and put your hands on the steering wheel of the car. It is extremely important not to make any suspicious movements or get out of your car for any reason.
Following these simple steps can and will eliminate any potential problems that can arise when interacting with police officers. Follow all instructions from the police officer.
If you know you've broken the law, it's not the police officer's fault, it's your own. Misbehaving or disobeying will only make matters worse for yourself. The best thing you can do is be polite, listen, and follow directions.
Police officers are trained to use the anxiety, stress, and fear that individuals feel when pulled over against them. The only information that you have to give is your name, license, and registration.
Knowing your legal rights ahead of time instead of trying to think in the moment, "what are your rights when you get pulled over?" can really help you out. You do not have to answer any further questions and invoke your 5th Amendment right to remain silent and say, "I'm sorry officer, but I've been advised not to answer any questions until I speak with my lawyer." This is only suggested if you have been drinking and know you are over the legal limit.
While this may cause the police officer to ask more questions, arrest you, and confiscate your license, these are far less serious than if you answer questions and incriminate yourself even worse.
DO NOT LIE. It is better not to answer a question than it is to lie because if the officer finds out that you are not being truthful, that will definitely be used in the case against you. Don't think that you'll be able to lie when you get pulled over for a DUI and be let go; police officers are much smarter than that.
At some point during the stop, if the officer has suspected you of being under the influence of alcohol, you may be asked to perform field sobriety tests. A common misconception is that these are mandatory. In fact, you have the right to refuse them and even a roadside breathalyzer test. There are several varying opinions regarding the choice to refuse the field tests.
1. Refusal is attacked as an admission of guilt by the prosecutor, but refusal can buy you time and weaken the report against you.
2. Roadside breathalyzers are inaccurate and field sobriety tests are not a reliable indicator of intoxication, but you will be required to take a chemical test at the police station.
3. A strong defense attorney can build a case on the following:
1. Refusal prior to arrest is civil liberty being acted upon
2. If field sobriety tests are administered, it can be a good strategy to prove that they were administered improperly or that the evidence shows they are inaccurate at determining legal intoxication
4. Upon refusal, you will most likely be arrested and taken to the police station.
If you refuse the roadside tests, you are required to take a blood or breath test at the police station. If you refuse this, you could be charged with resisting arrest. If you get the choice, the breath test is suggested due to being less reliable and a better defense strategy.
If you are released, it is crucial to write down every detail that you can recall. Fresh memories are more accurate, so do this as soon as you are able to.
Include details like:
1. Where you were coming from
2. How much and what did you drink
3. How long prior to driving was your last drink
4. Where you were pulled over
5. Police officer's behavior, the reason for stopping, and instructions
6. What field sobriety tests were administered (if you participated)
7. Your responses to the instructions
8. When and if you were read your Miranda rights
9. When you took the chemical test and how long since your last drink
10. The clothing you were wearing
The more details you can recall and write down the better; even if you don't think it's relevant, it can, maybe, end up helping your case.
Once you are able to, contact an experienced defense attorney.
Now that you know what happens when you get pulled over for a DUI, you can be more prepared (hopefully, you won't ever need this information) for if that mistake is ever made. The only way to ensure that you are never pulled over for a DUI is to not drink and drive, but if you make the mistake, the Sonoran Law Group is here to defend your rights and freedom with the best DUI defense strategy.
With years of experience prosecuting and fighting DUI charges, our team at Sonoran Law Group is your best resource for minimizing the damages from your mistake. Contact us today or when you find yourself in a DUI charge situation.


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- Home
- Homebrew Supplies
- Bottling & Racking
- Crimson Bottle Capper
Product Description
Crimson Bottle Capper
Dual lever capper for standard 26mm crown caps. This durable capper features spring lever action and a magnet to hold the cap in place. This is the perfect bottle capper for home brewing and kombucha.
Also available is our bench capper which will cap any crown cap style bottles.


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US Women's Soccer Team Will Host Australia in Birmingham on Sept. 20
The US Women's National Team will make its fourth stop on the post-World Cup victory tour in Birmingham to face Australia.
The 2015 FIFA World Cup champions announced Tuesday that they'll be hosting a game at historic Legion Field on Sunday, September 20 at 1:20 PM. The game will be televised nationally by ESPN2.
The friendly will be a rematch of the opening game from Group D of the World Cup this summer. In that matchup, the US beat Australia 3-1 behind two goals from Megan Rapinoe. The Matildas would eventually advance to the quarterfinals in Canada before losing to Japan.
Birmingham has a history of hosting USA soccer matches, although this will mark the first in seven years. The women's team played there in 2003, 2004 and most recently in 2008. The city was also one of four sites that hosted preliminary soccer matches for the 1996 Olympics.
Before the victory tour arrives in Birmingham, it will have already made three stops. The event starts with a game against Costa Rica on August 16 in Pittsburgh and August 19 in Chattanooga. The team will play the first of two games against Australia in Detroit on September 17.
Tickets will go on sale July 31 at 10 AM on ussoccer.com.


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Them Crooked Vultures Premiere On Rock Band
Harmonix and MTV Games today announced that Them Crooked Vultures are premiering on Rock Band beginning next week with "New Fang,†the single from the band's self-titled debut album. The song will be added to the Rock Band Music Store and LEGO Rock Band Music Store of downloadable content for the Xbox 360 video game and entertainment system from Microsoft, PlayStation 3 computer entertainment system and Wii.
The debut self-titled album from Them Crooked Vultures, comprised of Dave Grohl, Joshua Homme and John Paul Jones, will be released Nov. 17 in the United States, the same day and date that "New Fang†will be available for Rock Band download on the Xbox 360. The band released the single as a free download for fans Nov. 3 and has been streaming their full album on their website, www.themcrookedvultures.com, since Nov. 9. The band is touring the United States in November, and their December tour of the United Kingdom sold out in just 12 minutes.
Them Crooked Vultures' "New Fang†will be available Nov. 17 for the Xbox 360, Nov. 24 for the Wii and Dec. 3 for the PlayStation 3 in both the Rock Band Music Store and LEGO Rock Band Music Store.
Price: $1.99 USD, £.99 UK, €1.49 EU (160 Microsoft Points for Xbox 360) per track
$2.00 USD (200 Wii Pointsâ"¢) per track


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Sierra Jacket - Light
Estimated Delivery: 14-21 days.
- 100% upcycled denim
- Andean wool lining
- Custom Remu Apparel iron buttons
- Label crediting the artisan who manufactured it
- Two front handwarmer pockets
- Interior chest pocket for sunglasses and essentials
- Unique color: slight variation in shade possible as a result of the use of upcycled and natural materials
- Handcrafted by communities of women in Miranda, Northern Ecuadorian Andes
- Dry clean only
We are so excited about this addition to the Sierra line! Now you're able to take our iconic Sierra Denim Jacket to even colder climates thanks to a lining of blended natural wool. This iteration of the jacket offers the strength and durability our denim ware is known for, plus a soft, blanket-like interior to keep you exploring in comfort. And heirloom-quality construction by skilled artisans means you'll have this piece for decades to come.
Our lined Sierra Denim Jacket is made of 100% upcycled denim, which means a lot of work and logistics on our end, but the result is more than worth the effort. The jacket is assembled by our partner workshop in Miranda, Ecuador, and lined with a blend of 90% Andean wool and 10% cotton treated to be extra soft. With locally-sourced thread and hand-forged iron buttons, we make quality and sustainability a priority from start to finish. With all of this in mind, slight color and texture variation is natural and part of what makes our products so special.
We work with seamstresses from rural communities to handcraft each of our pieces, enabling them to become independent through their skills and provide for their families. We pay 7% of the price of each of our products directly to the seamstress that manufactured it.
Did you know an average pair of jeans requires over 1,800 gallons of water to be manufactured? That is the equivalent to the amount of water that a family of four needs for 64 weeks. Reusing fabric offsets the production of new material and in turn, offsets the usage of resources. By upcycling denim through this jacket, we avoid the waste of roughly 7,800 gallons of water and give new life to around 1.8 pounds of textiles.


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NEWS PROVIDED BYCatholic LeagueMay 23, 2019NEW YORK, May 23, 2019 /Christian Newswire/ -- Catholic League president Bill Donohue comments on Pete Buttigieg's position on abortion:
South Bend Mayor Pete Buttigieg has degrees from Harvard and Oxford and was a Rhodes scholar. The New Republic is in love with him, calling the son of two college professors a "genius." When it comes to abortion, however, the "genius" hasn't a clue what he is talking about. He even admitted that last year.
In 2018, Buttigieg declared that abortion was too hard a subject for him to figure out. He told the South Bend Tribune that "Issues on the legality or morality of abortion are dramatically beyond my pay grade as a mayor."
On May 1, 2019, presidential candidate Buttigieg said on Meet the Press that "in my view, [abortion] is a question that is almost unknowable. This is a moral question that's not going to be settled by science."
Abortion is unknowable? Not to Planned Parenthood, the abortion-mill behemoth that Buttigieg likes. He is right to say that abortion is a moral issue, but he is wrong to say it's not going to be settled by science. It already has. Science tells us that life begins at fertilization, and not a day later. If left unobstructed, the life that begins at conception develops into a man or a woman.
Between May 1 and May 19, it was apparent that Buttigieg took a crash course on abortion, one that lifted him above his pay grade and allowed him to opine on what science tells us. On Sunday he told a Fox News audience that pro-life legislators were "ignoring science" by pushing for restrictions. He must have meant science fiction.
Buttigieg also said on Sunday that aborting a baby just prior to being born is "an impossible, unthinkable choice." Wrong. It is not only possible, it is done all the time. He was also being deceitful. He said in the interview that he favors no restrictions on abortion at any time during pregnancy.
Some reporter should ask Buttigieg about the baby that was cut from his mother's womb over the weekend. A Chicago pregnant mother was murdered but doctors were able to save the child.
Buttigieg should be asked if the doctors did the right thing. If he disagrees, what would he say to the father who wants to raise his son? If he agrees that the doctors did the right thing, how can he explain his support for late-term abortion? What does he think it does?
This "genius" has a lot of sorting out to do.
SOURCE Catholic LeagueCONTACT: Media Office, 212-371-3191, firstname.lastname@example.com Linkswww.catholicleague.org


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Brand A-Z
Build All Corporation (1 to 1 of 1)
Build-All Corporation Gun Cleaning Station
Self-contained, solvent, gun cleaning station. Sealed pump, 115v/60 Hz; flexible spray nozzle; 16 gallon base drum and a filtration system that cleans and recycles the solvent. Crud settles into a disposable liner. Uses any good, petroleum-based solvent....


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Building the future of mobile banking - Part I
Financial services are still facing the collateral effects of the financial crisis. Lately, a lot of effort have been made to comply with the new regulations, to stabilize their finances by making sure they are compliant with the financial requirements and, finally, to try to regain customers' trust.
Banks are fully aware of the evolution of society and its impact on the way people are banking. They all know that they have to adapt their offer as well as their organization to match these digital changes and new expectations, but it has been hard for most of them to face all these challenges at the same time.
While digital transformation is strongly accelerating, banks have to reinvent themselves and to go further than the evolution started with the development of online banks.
Mobile, through its implied simplicity, transparency, autonomy, immediacy and personalization, is one of the main transformation driver which will disrupt the retail banking industry more than any other trigger before.
In collaboration with Efma, Wavestone aims at designing the future outlines of mobile banking through 6 pillars covering all features of a bank:
• Customer targets
• Acquisition strategy
• Customer experience
• Operating model and human resources
• Profitability
• Security and regulatory
Our study, covering the individual and the professional market worldwide, is based on our online banking services benchmark, our digital banks and Fintechs observatory, bank case studies and several bank interviews. You will find these materials in the study through numerous illustrations, coming from the analysis of about 30 digital banks, including new challenger banks and digital banks backed by traditional ones, as well as about 180 Fintechs.
This intermediate report presents the study results on the most customer-centric and structuring pillars: Customer targets, Acquisition strategy and Customer experience.
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Do you want to make changes to your Medicare coverage? There are certain times when you can make these changes; some of these time periods are different depending on the type of Medicare plan. For Medicare Advantage (also known as Medicare Part C) and Medicare prescription drug plans, there's an Annual Election Period (AEP) when you can sign up for, change, or disenroll from the plan.
The AEP runs from October 15 to December 7 each year. If you didn't sign up for one of these plans when you first became eligible for Medicare (during your Initial Enrollment Period), the AEP is generally your chance to make these changes, unless you qualify for a Special Election Period (SEP).
Here's a quick rundown of what you can do during the Annual Enrollment Period:
Changes you make during the AEP go into effect January 1 of the next year.
Suppose you're enrolled in a Medicare Advantage plan and you want to switch to Original Medicare, Part A and Part B. You can make this change during the Medicare Advantage Disenrollment Period, from January 1 to February 14 each year.
If you switch to Original Medicare during this period, you will have until February 14 to enroll in a Medicare Part D prescription drug plan. This coverage is optional, but if you wait until a future date to add it, you could pay a penalty for late enrollment (see below). Your coverage will begin the first day of the month after the plan gets your enrollment form.
Medicare allows changes outside the standard enrollment periods in specific situations that are often out of the beneficiary's control, such as Medicare-ending its contract with your plan, through Special Election Periods (SEPs). Other examples of these situations include, but are not limited to, the following:
You could be charged a late-enrollment penalty (an amount that is added to your Medicare Part D premium for as long as you have this coverage) if all of the following are true:


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Cankarjev Dom Finishes 2006 With Profit
Ljubljana, 7 March - The Cankarjev dom arts and congress centre generated EUR 9.93m in revenues while the costs of Slovenia's largest arts centre totalled EUR 9.76m. The resulting profit of EUR 170,000 will be invested into equipment, Delo writes on Wednesday.
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The news item consists of 533 characters (without spaces) or 99 words words.
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Today's workforce relies on communication systems with advanced feature sets, integrating voice and email during workdays in the office, after hours and from mobile phones. There is no reason nonprofits or small businesses should be constrained by outdated phone systems that limit their efficiency.
Alternative Technologies was established in 1989 to help organizations advance from clunky old systems and sluggish or nonexistent "service" from distant, large, uncaring corporations. We care.
We believed then, as we believe now, that nonprofits and small businesses have every reason and every right to get top-notch telecommunications equipment and fast, reliable service at low cost.
In the Bay Area we prove it can be done, again and again, every time we install a new premise-based digital PBX phone system, or help an organization deploy the advanced features and functions of cloud phones. That's why Executive Directors and Operations Managers depend on us to help them get the most out of their technology budget.
Your Scenario is Our Starting Point
We serve a special, unique and diverse set of customers. Some have remote workers in LA, DC or other countries. Others operate call centers during political campaigns or use home offices and promote telecommuting. We expect each customer to have a different set of needs.
We offer options in telephone systems depending on the work style, feature needs and call usage factors specific to your organization. We pride ourselves on openly discussing the advantages and drawbacks to each system. Our aim is to de-mystify the complex world of telecom so that your organization stays connected and communicating efficiently at low cost.
Our clients — over 3,000 organizations and businesses in the Bay Area — have systems ranging from one phone to 200 phones; from home offices to high-volume, seamlessly integrated, multi-site applications and cloud phone solutions. No matter how simple or complex your needs are, we can provide a solution that fits.
Are you ready to learn more about how a new phone system can help you save money and streamline your nonprofit or small business? Take a moment to complete our online contact form, and someone from our Berkeley office will contact you.
You can be confident that while our staff still has a place in our heart for plain old telephones, you can count on us for expertise on cutting-edge technologies like:
- Computer Telephony Integration (CTI)
- Cloud Phones (VoIP)
- Call Center Applications
- Unified Voicemail Desktop Messaging
- Voicemail to Email
- Find Me / Follow Me
- Remote Diagnostics and Programming
- Detailed Call Reporting
- And much more
Training & Service
Our training is top-notch. After all, what good is technology if your staff doesn't know how to use it? Your system installation marks the beginning — not the end — of our relationship. (Ask for references!)
Our service is fast and friendly. You can reach a real person at our helpdesk during business hours. And in the event you need help after hours, we are on-call around the clock, 365 days a year.


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About Us
Our Business is about Asset Knowledge and Valuation Expertise.
We aim to provide unrivalled levels of Service, Advice and Client care to assist with the Valuation, Management, Security and Disposal of Machinery and Business Assets.
Although Chartered Surveyors we are not a Property led, mainstream valuation practice. We provide much more strategic specialist advice in the valuation of complex Machinery & Business Assets.
Our service is Director led and supported by a Consistent, Analytical, and Methodical approach to core Valuation Principles. We undertake all valuation work in line with guidelines set out by the Royal Institution of Chartered Surveyors (RICS) and the Firm is also regulated by RICS.
Director Profile
As the Founding Director of Kumar & Company, Rajiv brings over fifteen years experience gained at some of the best known names in the Machinery & Business Assets valuation profession: Bache Treharne, Dovebid, Edward Symmons, Henry Butcher/GoIndustry.
Rajiv has an Honours Degree in Mechanical Engineering and is a full member of The Royal Institution of Chartered Surveyors (RICS) and is accredited as being a member of the RICS Registered Valuer scheme, he is also an Associate member of R3 - The Association of British Recovery Professionals.


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Its June, cottage season is in full swing, and your dad deserves all the great things in life. Even if he can't be at the cottage all summer (although he'd probably like to be) here are 20 gifts that will give him that cottage feeling—relaxed, fun and happy—all summer long.
20 gift ideas for the dad who loves life by the lake
Published: June 9, 2015 · Updated: September 28, 2017
Glass beer mugs set
These classic, mouth-blown mugs will help Dad enjoy his brewski (or OJ) in style. More info: www.chapters.ca
Bison chair
Not your standard portable folding chair, this chair sits high off the ground, with an overall height of 34 inches—perfect for a long-legged dad who doesn't want his knees around his ears. More info: www.alitedesigns.com
Mountain coffee system
A vacuum bottle, coffee press, and mug—all in one handy BPA-free unit. Storage in the stopper will carry dry ground coffee so Dad can enjoy a fresh cup on the road. More info: www.shopstanley-pmi.com
Subscription to Cottage Life
If your dad enjoys the cottage, then a subscription to Cottage Life magazine is the perfect Father's Day gift—if we do say so ourselves. More info: www.cottagelife.com
Zippo Rugged LED lantern
You can drop this heavy-duty lantern from five feet and leave it out all night in the rain—nothing dims its brightness except the switch that cuts the light to 50 or 10 percent. More info: www.zippo.com
Grill master tee
Let your dad know that he's still the undefeated lord of the grill with this lightweight, tri-blend cotton tee. More info: www.cottagelife.com
Leather wallet
This handmade leather wallet comes with its own tin of leather conditioner, so Dad can keep it soft and supple for years to come. More info: www.etsy.com
Engraved hammer
Just because your dad knows how to swing a hammer doesn't mean he's not also a sentimental guy. Let him be both with this hammer that's engraved with a loved one's own handwriting. More info: www.etsy.ca
Beard balm
If your dad's the bearded type, soften up those scratchy whiskers with this vegan beard balm made with organic oils. More info: www.amazon.com
Bark coasters
Let your dad bring the outdoors in with these rustic wooden coasters, perfect for saving the coffee table from a sweaty bottle of beer. More info: www.worldmarket.com
Log stool
You could give your dad a stump to sit on—he'd probably like it—but you can ratchet up the sophistication factor just a bit with these stump-inspired seats instead. More info: www.kalonstudios.com
Box tool
This is one of those tools your dad didn't know he wanted. Pry, chop, pull nails or hammer—this rough-and-ready tool will do it all. More info: www.leevalley.com
Cottage time tee
Because any time is cottage time, this tee is perfect for cottagey dads. Just don't complain if he's late for dinner. More info: www.cottagelife.com
Pop-up bug shelter
Love the outdoors but hate bugs? This pop-up mosquito shelter lets Dad enjoy cottage nights without the mosquitoes enjoying him. More info: www.leevalley.com
Briefcase bbq
This portable grill allows your dad to take his love of barbecue anywhere he goes. Just pop out the legs, throw in some charcoal, and dinner is just around the corner. More info: www.uncommongoods.com
Travel poker
Does your dad enjoy a good poker game? This portable set allows him to carry his game wherever he goes. The only thing he's missing are munchies (so maybe add those to his gift). More info: www.crateandbarrel.com
Bourbon marshmallows
Turn your next family bonfire into a slightly more adult celebration with these handcrafted bourbon-flavoured marshmallows. S'mores will never be the same… More info: www.wondermade.com
Smoker box set
Dad won't need a full-on smoker to get intensely flavourful meat and other grilled delights. Just fill this handy smoker box with wood chips, and smell the smoulder. More info: www.lynxgrills.com
Duffel bag
Perfect as either an overnight bag or a gym bag, this low-key duffel has a removable shoulder strap and a subtle nautical style. More info: www.herschelsupply.com
Bespoke Post gift card
Perfect for the dad who has everything and appreciates the good things, Bespoke Post provides a year's worth of monthly goodies. Once you buy Dad a gift card, he can go online and set up his account -- then wait for his box of awesome each month. More info: www.bespokepost.com
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20 gift ideas for the dad who loves life by the lake
Its June, cottage season is in full swing, and your dad deserves all the great things in life. Even if he can't be at the cottage all summer (although he'd probably like to be) here are 20 gifts that will give him that cottage feeling—relaxed, fun and happy—all summer long.


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2.7: Derivatives of Inverse Functions
- Page ID
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Recall that a function \(y=f(x)\) is said to be one to one if it passes the horizontal line test; that is, for two different \(x\) values \(x_1\) and \(x_2\), we do not have \(f(x_1)=f(x_2)\). In some cases the domain of \(f\) must be restricted so that it is one to one. For instance, consider \(f(x)=x^2\). Clearly, \(f(-1)= f(1)\), so \(f\) is not one to one on its regular domain, but by restricting \(f\) to \((0,\infty)\), \(f\) is one to one.
Now recall that one to one functions have inverses. That is, if \(f\) is one to one, it has an inverse function, denoted by \(f^{-1}\), such that if \(f(a)=b\), then \(f^{-1}(b) = a\). The domain of \(f^{-1}\) is the range of \(f\), and vice-versa. For ease of notation, we set \(g=f^{-1}\) and treat \(g\) as a function of \(x\).
Since \(f(a)=b\) implies \(g(b)=a\), when we compose \(f\) and \(g\) we get a nice result: \[f\big(g(b)\big) = f(a) = b.\] In general, \(f\big(g(x)\big) =x\) and \(g\big(f(x)\big) = x\). This gives us a convenient way to check if two functions are inverses of each other: compose them and if the result is \(x\), then they are inverses (on the appropriate domains.)
When the point \((a,b)\) lies on the graph of \(f\), the point \((b,a)\) lies on the graph of \(g\). This leads us to discover that the graph of \(g\) is the reflection of \(f\) across the line \(y=x\). In Figure 2.29 we see a function graphed along with its inverse. See how the point \((1,1.5)\) lies on one graph, whereas \((1.5,1)\) lies on the other. Because of this relationship, whatever we know about \(f\) can quickly be transferred into knowledge about \(g\).
Figure 2.29: A function \(f\) along with its inverse \(f^{-1}\). (Note how it does not matter which function we refer to as \(f\); the other is \(f^{-1}\).)
For example, consider Figure 2.30 where the tangent line to \(f\) at the point \((a,b)\) is drawn. That line has slope \(f^\prime(a)\). Through reflection across \(y=x\), we can see that the tangent line to \(g\) at the point \((b,a)\) should have slope \( \frac{1}{f^\prime(a)}\). This then tells us that \( g^\prime(b) = \frac{1}{f^\prime(a)}.\)
Figure 2.30: Corresponding tangent lines drawn to \(f\text{ and }f^{-1}\).
We have discovered a relationship between \(f^\prime\) and \(g^\prime\) in a mostly graphical way. We can realize this relationship analytically as well. Let \(y = g(x)\), where again \(g = f^{-1}\). We want to find \( y^\prime\). Since \(y = g(x)\), we know that \(f(y) = x\). Using the Chain Rule and Implicit Differentiation, take the derivative of both sides of this last equality.
\[\begin{align*}\frac{d}{dx}\Big(f(y)\Big) &= \frac{d}{dx}\Big(x\Big) \\ f^\prime(y)\cdot y^\prime &= 1\\ y^\prime &= \frac{1}{f^\prime(y)}\\ y^\prime &= \frac{1}{f^\prime(g(x))} \end{align*}\]
This leads us to the following theorem.
Theorem 22: Derivatives of Inverse Functions
Let \(f\) be differentiable and one to one on an open interval \(I\), where \(f^\prime(x) \neq 0\) for all \(x\) in \(I\), let \(J\) be the range of \(f\) on \(I\), let \(g\) be the inverse function of \(f\), and let \(f(a) = b\) for some \(a\) in \(I\). Then \(g\) is a differentiable function on \(J\), and in particular,
\(1. \left(f^{-1}\right)^\prime (b)=g^\prime (b) = \frac{1}{f^\prime(a)}\)\quad \text{ and }\quad 2. \left(f^{-1}\right)^\prime (x)=g^\prime (x) = \frac{1}{f^\prime(g(x))}\)
The results of Theorem 22 are not trivial; the notation may seem confusing at first. Careful consideration, along with examples, should earn understanding.
In the next example we apply Theorem 22 to the arcsine function.
Example 75: Finding the derivative of an inverse trigonometric function
Let \(y = \arcsin x = \sin^{-1} x\). Find \(y^\prime\) using Theorem 22.
Figure 2.32: A right triangle defined by \(y=\sin^{-1}(x/1)\) with the length of the third leg found using the Pythagorean Theorem.
Adopting our previously defined notation, let \(g(x) = \arcsin x\) and \(f(x) = \sin x\). Thus \(f^\prime(x) = \cos x\). Applying the theorem, we have
\[\begin{align*} g^\prime (x) &= \frac{1}{f^\prime(g(x))} \\ &= \frac{1}{\cos(\arcsin x)}. \end{align*}\]
This last expression is not immediately illuminating. Drawing a figure will help, as shown in Figure 2.32. Recall that the sine function can be viewed as taking in an angle and returning a ratio of sides of a right triangle, specifically, the ratio "opposite over hypotenuse.'' This means that the arcsine function takes as input a ratio of sides and returns an angle. The equation \(y=\arcsin x\) can be rewritten as \(y=\arcsin (x/1)\); that is, consider a right triangle where the hypotenuse has length 1 and the side opposite of the angle with measure \(y\) has length \(x\). This means the final side has length \(\sqrt{1-x^2}\), using the Pythagorean Theorem.
\[\text{Therefore }\cos (\sin^{-1} x) = \cos y = \sqrt{1-x^2}/1 = \sqrt{1-x^2},\text{ resulting in }\]\[\frac{d}{dx}\big(\arcsin x\big) = g^\prime (x) = \frac{1}{\sqrt{1-x^2}}.\]
Remember that the input \(x\) of the arcsine function is a ratio of a side of a right triangle to its hypotenuse; the absolute value of this ratio will never be greater than 1. Therefore the inside of the square root will never be negative.
In order to make \(y=\sin x\) one to one, we restrict its domain to \([-\pi/2,\pi/2]\); on this domain, the range is \([-1,1]\). Therefore the domain of \(y=\arcsin x\) is \([-1,1]\) and the range is \([-\pi/2,\pi/2]\). When \(x=\pm 1\), note how the derivative of the arcsine function is undefined; this corresponds to the fact that as \(x\to \pm1\), the tangent lines to arcsine approach vertical lines with undefined slopes.
In Figure 2.33 we see \(f(x) = \sin x\) and \(f^{-1} = \sin^{-1} x\) graphed on their respective domains. The line tangent to \(\sin x\) at the point \((\pi/3, \sqrt{3}/2)\) has slope \(\cos \pi/3 = 1/2\). The slope of the corresponding point on \(\sin^{-1}x\), the point \((\sqrt{3}/2,\pi/3)\), is \[\frac{1}{\sqrt{1-(\sqrt{3}/2)^2}} = \frac{1}{\sqrt{1-3/4}} = \frac{1}{\sqrt{1/4}} = \frac{1}{1/2}=2,\]verifying yet again that at corresponding points, a function and its inverse have reciprocal slopes.
Figure 2.33: Graphs of \(\sin x \text{ and }\sin^{-1} x\) along with corresponding tangent lines.
Using similar techniques, we can find the derivatives of all the inverse trigonometric functions. In Figure 2.31 we show the restrictions of the domains of the standard trigonometric functions that allow them to be invertible.
Figure 2.31: Domains and ranges of the trigonometric and inverse trigonometric functions.
Theorem 23: Derivatives of Inverse Trigonometric Functions
The inverse trigonometric functions are differentiable on all open sets contained in their domains (as listed in Figure 2.31) and their derivatives are as follows:
\[\begin{align} &1. \frac{d}{dx}\big(\sin^{-1}(x)\big) = \frac{1}{\sqrt{1-x^2}} \qquad &&4.\frac{d}{dx}\big(\cos^{-1}(x)\big) = -\frac{1}{\sqrt{1-x^2}} \\ &2.\frac{d}{dx}\big(\sec^{-1}(x)\big) = \frac{1}{|x|\sqrt{x^2-1}} &&5.\frac{d}{dx}\big(\csc^{-1}(x)\big) = -\frac{1}{|x|\sqrt{x^2-1}} \\ &3.\frac{d}{dx}\big(\tan^{-1}(x)\big) = \frac{1}{1+x^2} &&6.\frac{d}{dx}\big(\cot^{-1}(x)\big) = -\frac{1}{1+x^2} \end{align}\]
Note how the last three derivatives are merely the opposites of the first three, respectively. Because of this, the first three are used almost exclusively throughout this text.
In Section 2.3, we stated without proof or explanation that \( \frac{d}{dx}\big(\ln x\big) = \frac{1}{x}\). We can justify that now using Theorem 22, as shown in the example.
Example 76: Finding the derivative of y = ln x
Use Theorem 22 to compute \( \frac{d}{dx}\big(\ln x\big)\).
View \(y= \ln x\) as the inverse of \(y = e^x\). Therefore, using our standard notation, let \(f(x) = e^x\) and \(g(x) = \ln x\). We wish to find \(g^\prime (x)\). Theorem 22 gives:
\[\begin{align*} g^\prime (x) &= \frac{1}{f^\prime(g(x))} \\ &= \frac{1}{e^{\ln x}} \\ &= \frac{1}{x}. \end{align*}\]
In this chapter we have defined the derivative, given rules to facilitate its computation, and given the derivatives of a number of standard functions. We restate the most important of these in the following theorem, intended to be a reference for further work.
Theorem 24: Glossary of Derivatives of Elementary Functions
Let \(u\) and \(v\) be differentiable functions, and let \(a\), \(c\) and \(n\) be real numbers, \(a>0\), \(n\neq 0\).


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The Marketing Technology World's Fair
Marketing technology (MarTech) has exploded during the past 10 years. It's gone from a few hundred specific platforms, to thousands of tools that let us do things marketers couldn't dream of yesterday.
From niche apps to all-encompassing marketing clouds, it's a time of wonder for those who have the vision, knowledge and budgets to make it happen. And we need it! Customers are less patient with marketing than ever. Any tool that helps get the right message in front of the right person at the right time is worth considering. From better targeting to personalization, message delivery, lead generation ... there is no side of marketing that can't use better tech and tools to do the job right.
The opportunities aren't just for MarTech users, either. This is a whole new market of technological innovation that promises to make lucky entrepreneurs and investors very, very wealthy. That opportunity is spurring unprecedented innovation and investment.
What kind of innovation? Click the links below for a look at some of the most exciting technologies, the world they're creating and the investments that are making it happen:


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ATTENTION Dog Owners in the Village:
Did you know it is a requirement that your dog wears a leash outside of your yard? According to the Village of Woodlawn Ordinance # 27-2014, the owner or harborer of a harmless dog, not on the owner or harborer's premises or in a motor vehicle, shall be leashed and be kept from harming or annoying others. Please see Village Ordinance for more details.
Dog Licenses:
According to Hamilton County, dog owners have up to 3 months to officially license their dogs. It's the law! The laws governing dog licensing in the State of Ohio can be found in the Ohio Revised Code (ORC), sections 955.01 thru 955.99. A dog's license is a lost dog's ticket home! When your dog has its license attached to its collar, its assigned license number is all that is necessary for our office to identify the dog's owner. Dog licenses must be renewed annually between December 1 and January 31. Ohio law requires licenses to be renewed between December 1 and January 31 each year. After January 31, if you wait more than thirty (30) days to license a dog over three (3) months of age, Ohio law requires the Auditor to assess a late fee equal to the cost of the license. There are no provisions in the law to waive the fee. Be a good neighbor and be sure your dog is licensed today!
Dog Poop is your responsibility: 10 top reasons you should pick up your dog's poop!
Bonnie Phillips, VA Department of Conservation
1. Storm-water carries pet waste and other pollutants directly into waterways.
2. Animal waste adds nitrogen to the water. Excess nitrogen depletes the oxygen in water necessary for beneficial underwater grasses, wildlife and fish.
3. Animal waste may contain harmful organisms such as Giardia, Salmonella and E. coli that can be transmitted to humans and other animals by ingesting contaminated water.
4. Roundworms and hookworms deposited by infected animals can live in the soil for long periods of time and be transmitted to other animals and humans.
5. It's the law! Many urban and suburban areas require you to pick up after your pet. Even if there is no restriction, cleaning up after your pet is always the right thing to do.
6. Joining the growing number of responsible pet owners may encourage hotel managers to accept pets when you are traveling and help keep fees to a minimum.
7. No one likes to step in pet waste and spread it into homes, cars and businesses.
8. Scooping on a daily basis and applying lime will help prevent odors.
9. It's easy to clean up by carrying plastic baggies and paper towels in your pocket. The baggies can be secured and thrown away in the garbage.
10. Your neighbors will appreciate your good manners.


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President Trump is set to speak at a rally in Columbia, Missouri tonight at 7:30 PM EST (6:30 PM local time).
This is President Trump's first rally in November, coming less than a week before the contentious 2018 midterm elections.
Rally-goers began lining up at 6:00 AM this morning for tonight's rally.
Watch the live stream of the event, courtesy of Right Side Broadcasting:
President Trump's rally schedule leading up to the midterms is as follows:
Trump final 2018 election rally schedule
Oct. 31: Fort Myers, FL
Nov. 1: Columbia, MO
Nov. 2: Huntington, WV, TBD Indiana
Nov. 3: Bozeman, MT, TBD Florida
Nov. 4: Macon, Georgia and Chattanooga, Tennessee
Nov. 5: Fort Wayne, Indiana and Cape Girardeau, Missouri
TBD: Ohio
— Jack Posobiec ?? (@JackPosobiec) October 28, 2018
Update: President Trump is on his way:
On my way to Columbia, Missouri for a #MAGARally. Look forward to seeing everyone soon! https://t.co/0pWiwCHGbh pic.twitter.com/oD6v3E13bk
— Donald J. Trump (@realDonaldTrump) November 1, 2018
Update: President Trump's pre-rally tweet. No doubt setting up the theme for tonight's rally:
Together, we are Making America Safe and Great Again! https://t.co/0pWiwCHGbh pic.twitter.com/rWl5aSpY3O
— Donald J. Trump (@realDonaldTrump) November 1, 2018


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June 1st is Children's Day here in Romania. To celebrate, I got Happy Meals from McDonald's for the children and teens at Sunday school. They enjoyed it. They were many random prizes so they had fun trading them! We also played Bingo. They love Bingo! It was a fun way to celebrate our children!
Filed under: Uncategorized |


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See how our social media campaign delivered 2440% increase in impressions
About Oxfam
Part of a global movement for change, Oxfam seek to empower people to create a future thatis secure, just, and free from poverty. Oxfam use a combination of public education, rights-based sustainable development programs, campaigns, advocacy, and humanitarian assistance in disasters and conflicts – they seek to challenge the structural causes of the injustice that is poverty, working with allies and partners locally and globally to change the world.
Oxfam's purpose is to help with the creation of lasting solutions to their concerns and when they approached us to help them raise their brand profile, social media presence, online visibility and their revenue we were only too happy to help.
Campaign Overview
For the Dressed by the Kids 2017 campaign, Click Consult was approached by Oxfam to build upon the success of last year's campaign and to promote awareness through social media and online influencers and blogs. This was done through Click's expertise in creating and nurturing blogger relations, social media and video creation.
Our objectives at the start of the campaign were created after various meetings. We looked back on the campaign for the previous 12 months and as a result we were able to set new target for the 2017 Dressed by the Kids campaign. Below is a representation of the targets that were agreed and the actual results delivered.
The results so far
Last year the 'Dressed by the Kids' campaign was a huge success and the results were very promising but this year we saw an increase that nobody could have expected. Looking at the headline figures for the campaign in terms of the assets, bloggers and impressions, it is clear to see that the targets were surpassed. This has led to a huge increase in both the visibility of the brand and the donations.


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Quick Creamy Pasta
If you are after a quick and simple meal that takes less than 20 minutes (if not quicker) to cook from start to finish, then look no further than this recipe. Even though it's super quick to make, it's flavoursome and wholesome. Best of all, it's really easy and economical to make.
Prep and Cooking Time – 10 minutes | Servings – 4 to 6
– 1 teaspoon traditional Dijon mustard
– 1 teaspoon ground paprika
Cook pasta according to packet instructions.
While the pasta is cooking, place semi sun-dried tomatoes, spinach leaves and garlic cloves into the TM bowl and chop 5 sec / speed 5. Scrape down the bowl.
Add the remaining ingredients, except the Parmesan cheese, and cook 7 mins / 90 degrees / speed 4.
Pour sauce over freshly cooked and drained pasta. Top with Parmesan cheese then serve and enjoy immediately.
This recipe is great if you are following meat-free Mondays. My family enjoys this pasta sauce with tortellini.
If you are wanting to bulk up or turn this into a fancy meal, I strongly recommend adding cooked pulled beef or pan-fried marinara mix.
In blogging this recipe, I drew inspiration from Thermomixing for Eight blogger and Thermomix consultant Chenoa Trama.
2 Comments
Emma LebenMay 7, 2018 at 4:34 pm
We made this for dinner tonight and it was a tasty and quick dish. Just what this mumma needed. Thankyou xx
Lisa JFebruary 15, 2020 at 6:12 am
This is a big hit in our house! So simple & so tasty & uses pantry staples! Thanks for sharing this great recipe! Lx


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Aug 13, 2019
A Young Carers Group, based in Fairycroft House in Saffron Walden, spent a relaxed and fun day with us learning some printmaking techniques as the recipients of a bursary funded by the Alper Trust. They were a real pleasure to have in the studio and had the opportunity to use our historic relief presses dating back to 1860's and our large etching presses. Everyone created some really amazing work using Linocut and Monoprints - seen here, along with Tim Atkinson from Fairycroft House who accompanied them.
"An absolutely wonderful day using the amazing presses. Top class tuition which was enjoyed by everyone".
"I have really enjoyed today - thank you for the amazing experience and a wonderful day".
"Thank you so much for all your kindness and a wonderful day".
"A really great experience being able to use all the different presses. I really enjoyed being able to experiment with different styles and colours".


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We are pleased to announce that we are now offering our full product range without restrictions. Due to unprecedented demand with our delivery partners, we are advising to allow additional time for delivery.
The Telegraph Team
This delightful collection of children's stories is perfect listening for the whole family. Featured are four beloved stories to entice your imagination, including A Christmas Carol by Charles Dickens, Alice in Wonderland by Lewis Carroll, The Bell by Hans Christian Andersen, and Snow White by Jacob and Wilhelm Grimm.
Each story is performed by a full cast of voice actors with sound effects and music.


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words // Brennan Hiro Williams
The Nike Air Max Camo Collection continues next week with two new colorways. each featuring German-inspired camouflage patterns. A unique Air 180 SP leads things off, mixing together shades of bamboo and dark khaki with German Flecktarn-style camouflage at the heel. A German flag is stitched to the sockliner, and each pair comes in a matching Flecktarn camo shoe box.
The Nike Air 180 SP "Germany" drops on Saturday, August 17 at select Nike Sportswear retailers, including atmos Tokyo.


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|🐻 x 6
|Yes, I got a picture of this one and yes, this is zoomed in a bit.
Skyline drive snakes along the ridge through the entirety of the park. As a matter of fact, the road follows the original path of the AT. When the road was built the AT had to be rerouted to one side or the other of the road. This has resulted in a road with beautiful views and a trail mostly stuck in the long green tunnel. It also resulted in an AT that crosses the road over twenty times over seven days of hiking.
|Black raspberries - a favorite of black bears and Little Hills alike.
The first day in the park was a dry one. When I reached my destination after a 20.7 mile (33.3 km) day I only had an inch of water left in my bottle and I was parched.
Day 87 - I woke up and heard that a couple's tent had been torn by a bear as it tried to get their pack. The wife, sleeping with earplugs, slept through it all. I was in the shelter so I didn't hear anything either.
I left the shelter and headed north until I ran into a bear of my own. He was standing in the middle of the trail. He was not budging. He walked towards me a few steps and I took a few steps back. He took a few more steps and I back off some more. I yelled, banged my poles together, and blew a whistle. The bear was not impressed by my display. It started off the trail but laid down only ten feet off the trail. I started to inch past it but it huffed at me. I tried again. It huffed at me again. I gave up, backed off, returned to a picnic area, and hikes Skyline Drive around to the next place the AT crossed the road. I have to say that if the bear had been laying down when I first got there I wouldn't have seen it. Makes me wonder how many bears I just walked past in the last three months.
One nice thing about Shenandoah NP are the waysides and camp stores along Skyline Drive. After my bear encounter I stopped at Loft Mountain Camp Store and resupplied. While there I told a Ridgerunner about the two bear encounters. She thought my bear was probably protecting a patch of berries. The bear at the shelter got her excited. In just a few minutes multiple pick up trucks with rangers were there ready to go hunting bear. I didn't know many details but I did give them a description of the family. The rangers found the family and got the details about the encounter. Last I heard camping was no longer permitted at the shelter and the rangers were installing a bear box.
|A Vista from Skyline Drive.
To give me time at the wayside I'd kept this day relatively short but the heat and humidity still made it hard.
Day 88 - My third day in the park was another long one with limited access to water. In addition to the distance there's was lots of elevation change.
I saw my third Shenandoah bear today.
It was a long slog motivated by low rumbles of thunder. I stopped at the Lewis Mountain Camp Store and restocked a bit before moving on to the next shelter at the 20.6 mile (33.2 km) mark.
I spent the night with a Ridgerunner and another fast northbounder who I doubt I'll ever see again.
|Three different 900 mile markers.
When I got to the wayside I discovered the restaurant part was being renovated. I resupplied and headed to the lodge which was about a mile away. In the sun it was the longest mile ever.
I arrived at the restaurant at 10:05am. They stopped serving at 10:00am. *Sigh*
I made my way to trail and stepped on a wet boulder, my left foot slipped, I planted by right foot to have it slip too. I flailed until I was on my back/side on the trail. I took stock of everything and I seemed ok. I stood up and felt a pain in my lower back.
I stopped for water and, being preoccupied with the pain in my back, forgot my water bottle at the water source.
A few more miles and I decided to medicate. Ibubrophen and Tylenol and the pain became barable.
I ended my day at the Skyland Resort where I had a reservation. My room/building was as far as you could get from the dinning hall. This place was made for people with cars not hikers. This time I managed to have dinner and I replaced my water bottle.
|The sunset from my Skyland Resort window.
Day 90 - I was going to do a short day. I'd planned this before I hurt my back so it was a weird coincidence. My back felt better this morning but it still hurt when I put a load on it like wearing my pack. I medicated myself, ate breakfast, and got back on trail.
My butt drug all day. I had no energy. I stopped to rest often. The ten miles I did felt like twenty. I think I was depending on lunch at the wayside or lodge and when I didn't have either, I had a major calorie defecit. I made sure I ate all my food this night.
Day 91 - I felt better. I drugged my back and headed out. The pain killers worked for awhile. I stopped at the top of a hike, sat on a log for perhaps two minutes, and when I stood back up my back pain was back. I hurt my way to the next wayside.
|After moving the AT they did leave the trail some views.
I decided that the trail wasn't going to hike itself so I put on my pack and headed the last six miles to my destination. To my surprise the back pain was gone. Whatever this injury is predictable it is not.
Day 92 - On my last day in Shenandoah I hauled butt the last thirteen miles. I ran into my last Shenendoah bear standing in the trail. It looked a bit shocked before running away up the hill.
I stopped at a nice shelter to rest before making the final push to town. Jesus caught up with me and we talked about Avengers. As I was leaving Jesus yelled to me and said the new Spiderman movie was playing in Front Royal.
|Downtown Front Royal, VA.
I walked downtown to get a stamp in my AT passport at the visitors center but I was distracted by the movie theater. I checked out the show times for Spiderman and realized it started in ten minutes so I went in and watched the movie. Not exactly what I was planning but it worked. I liked the movie.
I did laundry after the movie.
On the fourth I did my resupply for the next three days and went back and finally got my passport stamp. I've managed to get stamps for everywhere I have stayed except Gatlinburg, TN and Buena Vista, VA.
Today I'm heading back out to face the infamous Roller Coaster. My reward for completing it will be three days with the Wife in Harper's Ferry.
Note: I've added a bear sighting counter. My count at this point is a bit lower than most thru-hikers I know.
Pictures can be found in my 2019 Appalachian Trail Google Photos album.
Total Distance: 863.7 Miles (1,390.0 km)
Section Distance: 55.9 Miles (90.0 km)
Section Elevation Up: 12,743 ft (3,884 m)
Section Elevation Down: 13,035 ft (3,973 m)


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Every week at Praxis, participants and alumni gather for Praxis Wednesdays, weekly group sessions designed to hone intellectual ability and build practical skills applicable to the professional world. These sessions cover everything from academic subjects — philosophy, history, and economics — to technical skills participants can use in their careers — such as writing, marketing, sales, communication, organization, and general business proficiency. Many weeks we're joined by guest speakers, and other weeks we engage in open dialogue and debate.
Over the winter, we had the pleasure of welcoming as a speaker Johnny Roccia, experienced sales trainer and manager. Johnny spoke to one of the most important applications of sales: selling yourself — specifically, in an interview.
"You are not walking in somewhere begging and hoping that they will give you a job. No one is giving you anything. You're going in and selling them on the value you provide in exchange for whatever value you want them to provide for you." — Johnny Roccia
About the Call: One of the most important sales you'll ever make is when you sell yourself to an employer. We call this 'the interview,' but make no mistake – it's a sales call! There's no one perfect way to nail your interview, but there are lots of common pitfalls to avoid as well as some great techniques to put yourself at the front of the pack. On this call, Johnny covered the ways you can apply the lessons of Sales Psychology to your interview techniques, and take control of this vital skill.
About the Guest: John Roccia has forged a very successful career in sales, sales training, recruitment and business development – and all with no degree, breaking ceiling after ceiling without one. With his first company, John did everything – door to door, B2B, lead generation, client management, etc., and always with zero training. As he says: "It was the wild west; we made it up and used what worked, trial and error." Later on he got gigs training teams of salespeople, before returning to direct sales. He's currently the Business Development Manager for Hanger Clinic (Keystone Region), the world's largest provider of prosthetics and orthotics.
Johnny Covered the four Ps of good interviewing:
- Philosophy — the mindset for success
- Prep — people make or break themselves in the interview process in their prep
- Practice — practicing is imperative (and Johnny shared some great games to help you tighten up your response time)
- Pitch — how to sell yourself
"Sometimes your interview prep starts months or years before you're looking for that job. Collect pieces of paper. If you get an accolade at work, see if you can get somebody to send that to you in an email — get it down." – Johnny Roccia


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Many of our guests have often asked us about the best way to get from Palma's airport to the city centre. And as we find this information to be very useful for everyone staying at BO Hotel and also for everyone traveling to Mallorca soon, we are happy to share the easiest and quickest way to get from Mallorca's airport to the city centre in Palma.
The best way to get from Palma's airport to the city centre
First option: Taxi / Cab. As soon as you land in Palma's airport and get outside the entrance hall, you will see a sign of a TAXI, which you need to follow to stand on the line of travelers waiting for taxis. As the airport is only 15 minutes away from the city centre, the taxi won't take long and won't be expensive. You will spend about 20€ to 25€ depending on the amount of bags you have with you and will get to the city centre in no time.
Second option: Bus. The public transportation in Palma is efficient and quick and there is a bus going from the airport to the city centre from early in the morning until late in the night. The bus (number 1) costs 5€ per person and kids under 5 years travel for free. It leaves the airport every 15 minutes and takes about 30-40 minutes to get to the city centre (Plaza España).
Third option: Transfer. There are many private companies providing transfer services for every traveller landing in Palma's airport. It assures you direct transportation to your hotel and there are both, private and shared transfers available. Normally transfers are minibuses with professional drivers, who will be waiting for you at the meeting-point. Many hotels provide specific transfer services, which is why if you're thinking about this option the best is to contact us at firstname.lastname@example.com to offer you the best transfer company to get you from the airport to Palma's city centre, more concretely our hotel, located in Palma's bohemian neighbourhood of La Lonja.
Last, but not least, there is always the option of renting a car. Many companies are located right inside the airport to offer you their wide range of cars of all sizes and types. But if you are looking to discover the city centre from its inside, we don't recommend renting a car, as parking is highly difficult and expensive in Palma's city centre. It is much better to explore Palma's old town by foot and maybe rent a car for one or two days when you decide to visit the rest of Mallorca while staying with us at BO Hotel.
We will be happy to assist you when choosing the perfect transportation from the airport to Palma's city centre!


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'One Punch Man' Illustrator Gets Stan Lee's Seal Of Approval
You don't have to like comics to know Stan Lee is a big deal. The writer helped create some of Marvel's most famous heroes like Spider-Man and Captain America. Over the years, Lee has become a geek icon, and comic creators from all over still refer to him as one of their best. So, you can see why fans are hyped after learning Lee has seen artwork from One Punch Man's illustrator.
Over on Reddit, a photo of one Yusuke Murata drawing has started circulating around the anime and comics fandoms. The artist, who is best-known for the One Punch Man manga, has tried his hand at Marvel before. Not only has Murata done artwork for Marvel Comics itself, but he created special theatrical posters for Spider-Man: Homecoming last year.
The viral photo, which can be seen below, shows one of Murata's posters with a rather special signature on it. Lee penned a copy of Murata's Spider-Man drawings featuring the wall-crawler and Iron Man. And, as you can guess, fans were pretty stoked about the crossover.
Stan Lee signed Murata's artwork! from r/manga
Of course, there is no telling whether Lee knew who inked this drawing. It seems a fan had the Marvel icon autograph the poster at an event, so it doesn't look like Murata has this piece hanging in his home. However, Lee must have thought the poster was cool enough to sign. At the very least, fans know the superhero sage has seen Murata's work.
If you want to check out some of Murata's artwork for Marvel, all you have to do is follow him on Twitter. The artist tends to share doodles of guys like Tony Stark via social media, and Murata also did cover artwork for Spider-Man's Japanese trades as they headed abroad.
For those unfamiliar with One Punch Man, the series follows Saitama, a regular working Joe who one day puts a stop to a violent villain attack. After this fight Saitama is inspired to become a hero. Training his body hard everyday, he's eventually granted with extreme strength. Looking for a worthy opponent, Saitama joins the Hero Association in the hopes of fighting them. But every fight he gets into ends after a single punch! Forced to wander through life increasingly bored of his supreme power, Saitama has become hilariously disconnected with the world of action around him.
Do you love Murata's take on Marvel heroes? Hit me up on Twitter @MeganPetersCB to let me know and talk all things comics, k-pop, and anime!


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A fantastic Club catering for all ages and playing levels
The Senior Club
A vibrant and friendly club with a large range of activities for all levels
Club Nights, Leagues, Ladder, Open & Closed Week Compitetions
Coaching session with our qualified Team
The Padel Club
Take part in the fastest growing sport in the world.
Padel is one of the most attainable racket sports, with its pick up and play nature it really is one for all ages and it has a fantastic social aspect as the game is always played with four players. You will be addicted but for all the right reasons.
The Junior Club
A thriving Junior section that is very active throughout the year
Activities include
Coaching Sessions
Supervised play during the summer period
Colour Ball Blitz run when Coaching finishes
Latest News
Order Fobs Online
Please Order your gate fob onlinehttps://www.itsplainsailing.com/club/cavanlawntennis/merchandiseWe will post to out the youRead more
Court Booking System
New Court Booking system Due to the fantastic increase in the usage of the Padel Courts the club will start to use a Court Booking system. There is no charge[…]Read more
Contact Us
For any enquiries please fill out the Contact form below


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Former Chicago Public Schools Chief to Plead Guilty to Bribery Charges
It was reported on Thursday that former Chicago Public Schools CEO Barbara Byrd-Bennett intends to plead guilty to charges that she took bribes while steering up to $23 million in no-bid contracts to a consulting firm she worked for prior to taking over as head of the CPS.
Byrd-Bennett was served a 23-count indictment on Thursday, charging that she steered sweetheart deals to her former employer, SUPES Academy. According to the Chicago Tribune, Byrd-Bennett is going to plead guilty to the charges and is cooperating fully with the investigation.
The indictment charged that Byrd-Bennett, an appointee of former Obama Chief of Staff and now Mayor of Chicago Rahm Emanuel, steered the contracts to SUPES "in expectation of hundreds of thousands of dollars in bribes and kickbacks."
The indictment also alleges that SUPES Academy arranged for jobs for Byrd-Bennett's friends and supporters as another form of payback.
Along with Byrd-Bennett, four others were indicted each on 15 counts of mail fraud and five counts of wire fraud—except for one who was hit with one less count of wire fraud.
Charged were Gary Solomon and Thomas Vranas, co-owners of SUPES Academy, along with two companies involved.
"Graft and corruption in our city's public school system tears at the fabric of a vital resource for the children of Chicago," U.S. Attorney Zachary Fardon said in a statement released Thursday morning. "School officials and city vendors who abuse the public trust will be held accountable."
Among the information released about the case is one email in which Byrd-Bennett joked with an official at SUPES: "I have tuition to pay and casinos to visit (:"
"I think those emails reflect greed," U.S. Attorney Fardon said.
Byrd-Bennett was Mayor Emmanuel's hand-picked candidate to head the Chicago Public Schools in October of 2012, but in April of 2015, she left the position on a "personal leave" after it became clear that she was being investigated for her part in the CPS award of a $20.5 million no-bid contract to SUPES. By June, she resigned.
Source: Former Chicago Public Schools Chief to Plead Guilty to Bribery Charges


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Victoria Kimani- Number One ft Stella Mwangi mp3
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Victoria Kimani Number One ft Stella Mwangi
Victoria Kimani teamed up with her Kenyan counterpart Stella Mwangi to make this awesome music.
A lot of creativity and efforts was clearly put to into the production of this new melody from Victoria Kimani titled Number one.
Listen,Download and share.
More music on ifeknows
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All Conferences
LIC Meetings
All Training
Insurance Immersion Sessions
LOMA Canada Training
The LIC Marketing & Home Service Committee Meeting provides an opportunity to develop business relationships and share ideas with fellow marketing executives, as well as to see the host company headquarters. The meeting brings together one or two dozen company representatives and relevant vendors, and the topics include speaker presentations as well as activity reports and open discussion among the attendees.
LIC is also the only industry organization that serves the needs of companies doing business via home service, and the Home Service Committee will be meeting in conjunction with the Marketing Committee. This is a great opportunity to learn from one another and get a different view of some of the challenges and solutions we'll be discussing.
My company's not in home service - is this meeting for me? Yes, it is! The LIC Marketing Committee is not specific to any one type of product or distribution method. There are a lot of common challenges in home service that aren't any different from a company selling final expense or annuities. The attendee mix can include preneed, final expense, and other small-to-midsize life insurance companies. The discussions are lively, and the opportunity to see the business from other points of view is always valuable.
See Who's Coming
The preliminary list of registrants is included in the agenda PDF linked from the Quick Links box above.
The itinerary includes hosted networking dinner at 6:30 p.m. on Tuesday, July 30; meeting sessions and another hosted dinner on Wednesday, July 31; and meeting 8-11 a.m. on Thursday, August 1.
Who Is Eligible to Attend?
LIC insurance company members are eligible to register, and nonmember life insurance companies are welcome to register at the nonmember rate. Vendors/service providers can participate as sponsors (find out about LIC sponsorship opportunities).
Earlybird Registration Fees (by July 2, 2019)LIC Members: $125LIMRA/LOMA: $175Nonmembers: $225
Regular Registration Fees (after July 2, 2019)LIC Members: $150;LIMRA/LOMA: $200Nonmembers: $250Group DiscountRegister two and get 50% off by using the discount code LIC50 for the third and additional registrations!
Non-insurance companies can participate in LIC Committee Meetings by being a sponsor of the meeting, which includes one representative attendee. See the Sponsorships Page for the form to sign up; upon receipt you will be sent a link for the included registration.
7:00 pm - 9:00 pm
8:00 am - 8:30 am
8:30 am - 10:00 am
10:00 am - 10:30 am
10:30 am - 12:00 pm
Jeff Shaw, CLU, ChFC, Executive Director, LIC
Find out what others are doing, what's working and what isn't, and discuss common challenges and solutions. Topics will be pre-selected by participants, including:
• Placement Ratios: Where do you stand compared to your competition? What are others doing to improve theirs?• 2017 CSO – Are You Ready? Is your company all set or running down to the wire? How is it changing your product portfolio? What is your experience so far?• Automated Underwriting: What once was expected in 5 days is now expected in 5 minutes; automated underwriting seems to have become imperative. Who's using which tools (Risk Classifier, Rx data, etc.)? • Agent Support: How are companies communicating with agents (email, text, mail)? Are you moving away from paper or still mailing agent kits? What methodology do you use to support agents and offices? What are you doing to keep agents, and keep them happy?• Growing Business: What are others doing, where are they applying money and resources? Boots on the ground or technology? How are they trying to get more business for the agents?• Your Topics: Send your topics or questions by July 23 to firstname.lastname@example.com.
12:00 pm - 1:00 pm
1:00 pm - 2:00 pm
2:00 pm - 2:30 pm
2:30 pm - 3:00 pm
3:00 pm
6:30 pm - 8:30 pm
8:30 am - 9:30 am
Todd Silverhart, PhD, LLIF, Director of Insurance Research, LIMRA
Consumers and agents have shifting expectations in terms of how they want to be serviced. This presentation will cover the drivers behind these changes, the perspectives and perceptions of the different audiences, determining critical touch points, and some ideas about how to measure your success.
9:30 am - 10:30 am
10:30 am - 11:00 am
11:00 am
Meeting Location:Kemper Home Service Companies
12115 Lackland Road, St. Louis, MO 63146
Recommended Hotel:DoubleTree by Hilton Hotel St. Louis - Westport1973 Craigshire Road, St. Louis, MO 63146Reservation Link


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In 2015, the Palo Alto Church of Christ faced a dilemma. Once a robust congregation — with 200 members at its peak in 1968 — by 2015, membership had dwindled to roughly 25. The church still owned its 1.13 acres of land at 3373 Middlefield Road but had no one to fill its pews.
During this time, across town, the Highway Community in Palo Alto was rapidly growing and had many younger families that met weekly at Palo Alto High School's Haymarket Theatre. But that church lacked the funds to buy a permanent home.
Today, four years later, the Church of Christ campus is once again filled with children, parents and the elderly, following the merger of the two religious communities into a new congregation called Highway Palo Alto Community of Christ.
To commemorate the 60-year history of Palo Alto Church of Christ, the group is hosting a celebration at its Middlefield Road building on Saturday, Aug. 17, from 11 a.m. to 5 p.m. The event will feature a potluck, historical exhibits and a chance for attendees to share their experiences at the church.
"This is a celebration of the closing and simultaneous rebirth of a church," said Howard Peters, a longtime member of the Church of Christ. "Some former Church of Christ members will return for the event from Arizona, Colorado, Missouri and Virginia."
Among the most significant milestones in the merger, Peters said, was the transfer of the property, valued at $10 million, last year.
"We all agreed that we wanted the church property to continue to be used for religious purposes — if possible," Peters said. "The Church of Christ board of directors did not want to remain responsible for the church property, and Highway, a young organization, agreed to accept it but did not have anywhere close to $10 million. We, as the board of directors, felt that we wanted to be as accommodating as possible."
According to Dean Smith, the minister at Highway Community, mergers of churches have become increasingly more common and sometimes happens when a church is in need of funding.
"Sometimes, a congregation will have trouble with finances and will allow another church that is looking for a place to pay and use its facilities. In some situations, the newer congregations would get larger and slowly displace the original one. Our case is slightly different, but Highway Community became the dominant church but some accommodations were still made," Smith said.
He noted that although the two churches shared similar beliefs, there were some noticeable cultural differences between them that needed to be discussed. One difference was that Church of Christ sang purely acapella during worship while Highway Community used an alternative rock band.
"So the question was whether or not we could bring instruments," Smith said. "We learned that for them, being non-instrumental was actually a tradition rather than a doctrine."
According to Peters, after initial talks with Smith about the possibility of a merger, the two churches began hosting joint services and started cultivating friendships. As a retired attorney, Peters was heavily involved in many of the legal decisions with the merger. Among the final responsibilities: this year, the board of directors of the Church of Christ legally dissolved.
Smith called the merger mutually beneficial, explaining that without it, it would be likely that the Church of Christ would have died out.
"The impact of this merger is that the Church of Christ can still go on as a community," Smith said. "We have tremendous respect for the Church of Christ. I think that they have also enjoyed the life we have brought in with the younger generation."