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6 Ways to Prepare for Healthcare Related Expenses
- Friday, October 18, 2013
Healthcare costs have been on the forefront of discussion among many Americans. With the recent changes in the healthcare law, many are wondering whether their individual healthcare cost will remain the same or rise. Few Americans expect costs to decrease.
With 74% of Americans living paycheck-to-paycheck, most are ill equipped to face a medical emergency. With high consumer debt and other financial obligations, health is often ignored when it comes to our month-to-month budget.
Regardless of your financial situation, there are certain things you can do, or at least become informed about, in order to prepare for the road ahead. Here are 6 things that will help ready you and your family, no matter what your plans are for your specific health care and insurance needs.
1. Begin with a budget
Budgeting for healthcare begins with an honest look at your expenses over a 12-month period. While this may seem or sound daunting, you'll want to take the time to cover all four seasons, so it is worth the effort. Be sure to include things like prescription drugs, over the counter medications, and trips to the ER.
Once you have come up with an annualized number for your out-of-pocket costs, the key is to break it down into the monthly average amount. For example, even though you might only spend $30 in June, and $100 in December, find that monthly average number and build it into your budget. By following this "envelope budgeting" approach, you'll have put away the money in the less expensive months in order to make sure you have enough for the more expensive months. Knowing you have the cash on hand will help keep your costs down from borrowing money or charging it, not to mention the stress relief that you'll enjoy!
2. Take advantage of a Healthcare FSA account
An FSA is a pre-tax "flexible spending arrangement" for qualified healthcare expenses where funds are deducted from your paycheck each pay period based on the annual amount you decide to set aside. So once you estimate your health expenses for the year, especially if you know you may have some procedures done like eye surgery, dental work, etc., your employer will start setting those funds aside each pay period so you can use them as you incur medical expenditures. Three things to remember about FSA accounts:
1. You can use the entire amount of your FSA election at once without having to wait for it to accumulate into your FSA account.
2. If you don't use those funds you'll lose them, so it's better to underestimate your needs a bit rather than overestimate and have money left over.
3. FSA is a great way to fund your healthcare on the front end. It's an "out of sight out of mind" approach that allows you to put away a certain amount of money before your paycheck hits your bank account.
3. Better safe than sorry – be proactive
With current changes to the healthcare system, even though we can't tell you how you premiums will change, it's safer to assume an increase than be caught by surprise. So whatever your premium is right now, add an additional 10-20% and include that increase in your budget. You may have to look for ways to cut back on another budget category in order to save for potential healthcare increases, but think, if your premiums stay as they are, you just saved additional funds to allocate to debt payoff!
4. Talk to your employer & local church about a benevolence fund
Many employers have a benevolence fund set aside to help employees with needs like unexpected medical bills. Ask your employer about the way the benevolence fund operates and if you can afford to do so, contribute to it as well. You never know when you may need a "hand up" with a large medical bill. Your local church should have a benevolence fund as well. Learn about qualifications and what's needed to receive help. Understanding the help available to you ahead of time is a great way to be proactive and be prepared for life's unexpected turns.
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The Whole World is Moving to MoCA – Comcast
November 12, 2010 at 11:02 am poidawg 1 comment
via Tech Workshops: Home Networking, Upstream Capacity And Doing The Splits :: Cable360.
Hey don't take our word for it, MoCA is catching on like wildfire in Cable TV-land and everyone is seeing the value of having a wired home network that can stream HD video. Probably a more telling quote from Comcast's Director of Home Networking:
We at Comcast have made the decision that all new products will have MoCA embedded into them
Seems like a good idea, knowing that virtually all of the consumer electronics companies are heading towards having a network port on every TV, bluray player and game console. The wave of connected electronics won't stop at stationary devices but will also support mobile devices as well. The article goes on to describe how wireless access points will be connected (through MoCA) to connect iPhones, iPads, and other mobile equipment. There's no question that having a reliable network "backbone" like MoCA will enable all kinds of new audio/video applications for the consumer.
Entry filed under: Comcast. Tags: .
1 Comment Add your own
I think it's great that Comcast is slowly starting to step up and catch up with the rest of the industry with things like this, or their Live Streaming they unveiled at CES. OF course as a DISH customer/employee it's hard for me to imagine Live streaming TV to my ipad but being unable to leave mys house with it…not exactly convenient. Still, it's a solid effort by Comcast though, and hopefully soon their customers will be able to stream Live tv to any device, no matter if they are at home or not,…not THAT is TV Everywhere.
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|Frontier Lodge
1406 Rte. 141
St. Hermenegilde, Quebec J0B 2WO
Please phone us before faxing as our phone line is also our fax line.
E-mail address:
[Home] [History] [Board of Directors] [Maps & Directions] [Contact Us] [Parents Page]
[Summer Camp] [Day Camps] [Junior Camps] [Mini Junior] [Junior High Camps]
[Mid-High Camp] [Senior Camp] [University Forum] [Family Camp] [Horseback Riding]
[Camp Dates & Rates] [Forms] [Staff Page] [Support Frontier] [Camp Map & Tour] [Photos] [Videos]
[James Wilson Fund] [View GuestBook] [Site Map] [Pay Online]


text:
Tel: (256)767-1203
Grades: PK - 12 | 528 students
The mission of Mars Hill Bible School is to provide every student--in a cooperative effort with the home and family--a Christ-centered, Bible-based education in an environment which fosters spiritual, academic, physical and social growth.
School Overview
|School Membership(s)School Assoc.
|Southern Association Of Colleges And Schools (SACS)
National Christian School Association (NCSA)
|Religious Affiliation
|Church of Christ
|Grades Offered
|Grades Prekindergarten - 12
|Year Founded
Student Body
|Total Students
|528 students
|Student Body Type
|% Students of Color
State avg.: 20%
|Students by Grade
Academics and Faculty
|Total Classroom Teachers
|40 teachers
|Student : Teacher Ratio
National avg.: 13:1
|% Faculty w/Advanced Degree
|Average Class Size
|20 students
|Average SAT score
|Average ACT score
|Classroom Dress Code
(Refer to website for Student Handbook)
Finances and Admission
|Admission Deadline
|None / Rolling
|Yearly Tuition Cost
|Tuition Notes
|Tuition listed is for 1st-12th grades. Please contact Admissions Director for complete tuition information.
|% on Financial Aid
|Average Financial Aid Grant
|Acceptance Rate
National avg.: 85%
|Admissions Director
|Mrs. Jeannie Garrett
|Total Sports Offered
|11 sports
|Baseball, Basketball, Cheering, Cross Country, Football, Golf, Soccer, Softball, Tennis, Track and Field, VolleyballBaseball, Basketball,
Cheering, Cross Country,
Football, Golf,
Soccer, Softball,
Tennis, Track and Field,
|Total ExtracurricularsTotal Extra-curric.
|13 extracurriculars
|Band, Beta Club, Chorus, Debate & Forensics, Drama, Foreign Language Club, Junior Civitan, Mu Alpha Theta, National Forensic League, National Honor Society, SADD, Science Club, Show Choir Band, Beta Club, Chorus, Drama, Junior Civitan, Mu Alpha Theta, SADD, Science Club, Show Choir, Debate & Forensics,
Foreign Language Club,
National Forensic League,
National Honor Society,
Nearby Schools:
All Schools |High Schools High Schools |Elementary Schools Elementary Schools |Preschools Preschools |Public Schools Public Schools
Show me:
- School Location Miles Students Grades
Florence Victory Christian Academy
2302 Hough Rd
Florence , AL , 35630
(256)767-1749(Christian)1.5 mi | students | Gr. NS-8
FlorenceFlorence Christian Academy
2701 Florence Blvd
Florence , AL , 35630
(256)764-3591(Baptist)2 mi | 92 students | Gr. PK-12
FlorenceShoals Christian School
301 Heathrow Dr
Florence , AL , 35633
(256)767-7070(Christian)2 mi | 213 students | Gr. PK-12
FlorenceLittle Angel Kindergarten/dc
1125 Sherrod Ave
Florence , AL , 35630
(256)766-4483Early Childhood / Day Cares2.3 mi | 153 students | Gr. PK-KG
FlorenceSt. Joseph Regional Catholic School
115 Plum St
Florence , AL , 35630
(256)766-1923(Roman Catholic)2.7 mi | 211 students | Gr. K-8
School Reviews
- February 09, 2014 - As a former student, parent and now grandparent, I definitely see the benefits of Mars Hill Bible School. Wonderful qualified teachers, support staff, and administrators. Students are encouraged to be good members of their community serving in many ways. There are many extracurricular activities for students to participate in and learn new skills. The sports teams have won many awards through the years. - Posted by Student/Alumni
Area Statistics
Recent Articles
Updated October 26, 2014
What do you do when you are dissatisfied with your local public schools? Homeschool your children? Send them to private school? Let's look at your options.
Your religion matters to you. You want your child to attend a school which will combine academics and religious education. Here is an overview of what is available together with some links to denominational web sites.
Add things up and you'll quickly find the answer- math is crucial both in academics and the real world. By following these strategies and following personal training programs, students can uncover their weaknesses and conquer math.


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Pixar to lay off 60 in California
Bill Murray to star in HBO's 'Olive Kitteridge' miniseries
'Madagascar 3' to premiere at Cannes
'Moonrise Kingdom' to open Cannes fest
McDormand to be film fest chair
Parsons joins 'Good People' cast
Tate Donovan joins 'Good People' cast
McDormand to star in B'way's 'People' play
Coen brothers' 'Burn' is No. 1
Costumer happy to dress Clooney, Pitt
'Burn After Reading' to open Venice fest
New Coen brothers film to open Sept. 12
Frances Louise McDormand (born June 23, 1957) is an American film, stage, and television actress. She won the Academy Award for Best Actress in 1996 for her role as Marge Gunderson in Fargo. She has also been nominated for the Academy Award For Best Supporting Actress three times for her performances in Mississippi Burning, Almost Famous, and North Country. She has been nominated for four Golden Globes, three BAFTA Awards, two Tony Awards,and an Emmy Award.
McDormand was born in Chicago, Illinois and was adopted by the McDormands, a Canadian couple - Noreen, a registered nurse and receptionist, and Vernon, a Disciples of Christ pastor. She has said that her biological mother may have been one of the parishioners at Vernon's church. She has a sister, Dorothy A. McDormand, who is an ordained Disciples of Christ minister and chaplain, as well as another sibling, both of whom were adopted by the McDormands, who had no biological children. As her father specialized in restoring congregations, he frequently moved their family, and they lived in several small towns in Illinois, Georgia, Kentucky and Tennessee, before settling in the Pittsburgh, Pennsylvania area town of Monessen, where she graduated from high school in 1975. She attended Bethany College, West Virginia, and earned a B.A. in Theater in 1979.
In 1982, McDormand earned an M.F.A. from the Yale University School of Drama. She was a roommate of Holly Hunter at the time. Her first professional acting job was in Trinidad and Tobago, performing in a play written by poet Derek Walcott and funded by the MacArthur Foundation.


text:
Xtralis Investor Relations
Privately held and rapidly growing, Xtralis is the leading global provider of powerful solutions for the early detection of fire and security threats. Our technologies prevent disasters by giving users time to respond before life, critical infrastructure or business continunity is compromised. We protect more than 40,000 customer sites in 100 countries, including billions in high-value or irreplaceable assets belonging to the world's top governments and businesses.
Only Xtralis provides a full suite of integrated solutions across the entire spectrum of early threat detection. We invented aspirating smoke detection (ASD) and developed the first video motion detection technology. With more than 25 years of experience and 110+ innovations in our portfolio, we continue to produce innovative life safety and security products with unsurpassed reliability and accuracy.
VESDA by Xtralis is the No. 1 brand of ASD, specified for fire detection more frequently than any other product by consulting engineers and fire safety professionals. Our ADPRO video security and intrusion detection solutions continue to win industry awards for outstanding performance and customer value. In addition, we developed the first scalable IP access control solution that uses Power over Ethernet and have revolutionized security video storage with Cold Disk Technology™.
13 Oct 14
Life Safety & Security Expert Allen Fritts Joins Xtralis
Former Honeywell Fire Systems President signs Exclusive Consulting Agreement to Boost Xtralis Rapid Growth Trajectory
10 Sep 14
Xtralis to Present New State-of-the-Art Mobile & Stationary Remote Management Security Solutions at the 2014 Security and Fire Prevention Exhibition in Essen, Germany
Xtralis to Exhibit at 2014 Security Essen Tradeshow
30 Jun 14
Fresh Off Triumph at IFSEC/FIREX in London, Xtralis Products Score 3 More Prestigious Awards at ESX USA
Top 10 Reasons Why Xtralis Solutions Won a Record Number of Awards in the Last Year — 15 over a 12 Month Period
More press releases


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Interview: Ask Bruce Sterling What You Will
samzenpus posted about 10 months ago | from the ask-me-anything dept.60
One of the founders of the cyberpunk genre, Bruce Sterling needs little introduction to science fiction fans. You can read what "Chairman Bruce" has to say at Beyond the Beyond on Wired and the Sterling tumblr. He has agreed to to sit down and answer any questions you may have. As usual, ask as many as you'd like, but please, one question per post.


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Personal Journals Podcasts
A Swift Kick In The AssJoin Now to Follow
A Swift Kick In The Ass, is a podcast about positive personal change. The thought provoking show discusses strategies to help the ordinary person achieve extraordinary change. Hosted by lifelong friends John W. Curren and Tom Stewart who are on a quest to disrupt conventional thinking and find true freedom by living life on their own terms.
By Tom Stewart and John W. Curren
From a Basement in TulsaJoin Now to Follow
Jason Ferguson and friends. Stuff and things. #Dang Hello, I'm Jason Ferguson and this is a glimpse into my life From my basement in Tulsa, Oklahoma. I will be hanging out with friends, musicians, comedians, and plenty of cool people stopping by or living in Tulsa. Thanks for your download!
By Jason Ferguson
Chat With Dr. PatJoin Now to Follow
Come listen in on a Chat with Dr. Pat. Diverse chats that deal with the realities of life. Reality that you can understand. Listen and get caring help to overcome the challenges of life that we all face. Listen to Dr. Pat discuss outreach to women, children, family.. the nations. Learn ways that you can help reach the Nations right from your very own home. Visit her today at ChatwithDrPat.com.
By Producer: Timothy Jones
The Gamut with Steve BelangerJoin Now to Follow
A wide-ranging weekly show featuring an assortment of one-on-one interviews with celebrities, experts, writers, comedians and anyone else with a good story to share. Steve is the quintessential jack-of-all-trades, master of none. He has been a corporate executive, stand-up comedian, professional actor, author and stay-at-home dad. He has worked with Oscar-winners, written countless scripts and performed comedy on the country's most celebrated stages. He also spends a lot of time changing diapers.
By Steve Belanger
Story WorthyJoin Now to Follow
Story Worthy is a smart, funny, twice-a-week podcast with Hollywood's most fascinating people. Hosts Christine Blackburn and Hannes Phinney welcome LA's most creative talents as they tell their best true stories. Subscribe now and make it a Story Worthy Day!
By Christine Blackburn
Mr. Suave » Mr. Suave – Business MindedJoin Now to Follow
Mr.Suave's Business Minded Podcast focuses on talking about how the working professional can achieve success in their current position.
By Mr. Avelardo Lopez - Mr. Suave
Mr. Suave » Mr.SuaveJoin Now to Follow
Mr. Avelardo Lopez, presents, his 'Mr.Suave' Podcast. A show where he talks about topics aimed at enhancing life. And many multiple perspectives on life.
By Mr. Avelardo Lopez - Mr. Suave
Podcast Answer Man | Podcasting & Internet / Online / Social Media Marketing - Cliff J. Ravenscraft PodcastAnswerMan AnswermanJoin Now to Follow
This is THE PODCAST about Podcasting! Helping you take your show to the "next level." Whether you are a brand new podcaster, been podcasting for many years, or haven't yet launched that first episode, this is where to turn to help you take your show, and everything else you pursue, to the "next level." Cliff Ravenscraft started podcasting as a hobby in 2005, launching the Generally Speaking Production Network (gspn.tv). Together with his wife and a few close friends, Cliff has produced over 3,000 podcast episodes devoted to Entertainment, Family, Faith, Fitness, Career and Technology. Submit your question as voice mail feedback at 859-795-4067 or record it as an audio file and email it to firstname.lastname@example.com. The following is for search keyword purposes. PodcastAnswerMan Answerman PodcastAnswerMan.com.
By Cliff J. Ravenscraft
Conrad's Concerns!Join Now to Follow
Exploring the Truth of the Bible and Life in General. This is not for people looking for "itching ears" feel good teachings. This is for people seeking the Truth! Strap on your seat belts, you might learn something! Dig Deeper! Go Higher!
By Conrad
Dímelo Caminando Spanish Podcast: Travel Latin America⎮Learn Spanish⎮ Explore New WorldsJoin Now to Follow
So you want to learn Spanish? From which part of the world? Over 500 years ago the Spanish language (a.k.a. Castellano) crossed an ocean and spread to 2 different continents spanning more than 20 different countries. During this time old and distinct cultures clashed and new worlds were formed, each creating its own historical, cultural and linguistic legacy. The Dímelo Caminando (Tell-it-to-me-walking) Latin America Travel, Culture and Spanish Language Learning podcast is your host Jamie Killen's attempt to explore these worlds as he travels his way through the South American continent to discover, learn, and share with you how each one of these countries and its people give life to their language and culture. Regional speech, idiomatic expressions, popular language, grammar, vocabulary, themes, symbols, and cultural facets will be presented and explored through all sorts of different interviews and conversations with experts, local slang masters, and Spanish speakers from all over Latin America and Spain, starting with Colombia and Ecuador. You can find FREE transcripts of each episode along with mini lessons and grammar explanations, language learning strategies, tips, hacks, and new vocabulary at TellittomeWalking.com. Check out the site for more details.
By Jamie Killen: Traveler, Spanish Language Student/Teacher, Photographer


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Buy houses in Severn Drive, Wellington, Telford TF1 - 3 bedrooms
Offers in region of £142,500
Severn Drive, Wellington TF1Semi-detached house for sale - 3 bedrooms
A three bedroomed semi detached family house in a popular residential area of Wellington. More details
Note: Distances are straight line measurements
- Wellington (Shropshire) (0.6 miles)
- Oakengates (3.3 miles)
Marketed by Tempertons, TF3. Call 01952 739423


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(Source: yyyeahbecs)
—Gregory Colbert
(Source: gregorycolbert)
(Source: alovelyfxck)
(Source: oceanfullofsharks, via unterihnen)
I drew this for Alice because she's silly
it doesn't mean anything it's just an iguana wearing a shirt and tie
(Source: katelouisepowell)
(Source: universalvibrations, via eyethrash)
Holding hands may seem like an innocent gesture, but they show more than a simple interlocking of fingers. Your hands are one of the most essential parts of your body: you build with them, feed with them, hold with them, touch with them, fight with them; they are the tools of the human body. To take a hold of another's hand is to break from living individually. It is to link yourself to another being, to momentarily entwine your life with another's, to promise, for a moment, that you need not face the world alone. More simple, more aesthetically naive than other forms of affection, i.e kissing, hugging, sexing.., the act of holding hands is often trivialized in its true implications.
(via handslikewolves)


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"I think Guthrie is one of the best harold teams right now. They always commit, put in extra energy , and make the weirdest scenes somehow acceptable."
Submit / Guidelines
UCB Love on: Twitter / Facebook
Yes yes yes yes! I LOVE Guthrie.
Yes! They can be the weirdest ever on stage and I love it every time.
UCB Love - Share the love.
Edited by Chris Griswold
Paper Stacks, a collaboration by FiftyThree and ALLDAYEVERYDAY.


text:
Skip to content
In association with
By Angus Parker -
General news
27 July 2012 15:31
A petition has been set up to fight the planned parking charges for bikes on the streets of Matlock Bath, Derbyshire's motorcycling Mecca.
Sheffield Motorcycle Centre (SMC) have started the online petition, approved by Derbyshire County Council, which requires 7,500 signatures to force a re-think and keep parking free on Matlock Bath's North and South parades.
The village is one of the most popular destinations for bikers in the country, attracting thousands every month in summer, however, the council plans to bring in on-street parking charges for all vehicles on the North and South Parades, the areas usually full of bikes.
The plans are expected to have a negative impact on the local economy and local businesses have already voiced their concerns. Phil Kerry, owner of 800BC café, says the plans are "ridiculous; if we lose the bikes, business will fall dramatically".
The county council claim they "have worked closely alongside the parish council to improve parking for businesses, residents and tourists".
Phillip Taylor, marketing manager at SMC, told MCN, "The streets of Matlock Bath can be a great spectacle, attracting couples and families of all ages. We hope to get more recognition to protect the free parking on the parades and we are also thinking of doing a protest ride to raise awareness".
You can sign the petition here.
Upload stories, photos or videos direct to the site, or email email@example.com.
Or call us on 01733 468842 (+44 1733 468842)
Add your comment – Petition launched against Matlock Bath parking plans
Sign in You must be signed in to submit a comment.
Parking charges scrapped in Matlock Bath
Just to update everyone, we reached almost 7000 signatures on our petition both online and paper forms and handed them in to Matlock council
The council have now scrapped plans to introduce parking charges in Matlock Bath
See news story here
Thanks for the support guys
04 March 2013 21:38
There is NOW a Local M.A.G Grup set up now in Matlock Aray, Set up to tackel this prposeal of "Pay & display for ALL "MotorBikes" Matlock Bath thay meet at the Fishpouds pub in Matlock Bath on the 1st Monday of the mouth "LETS BOOT THIS OUT" ITS MADNES & IS A ££££££ MAKEING EXERSIZE FOR THE COUNTY COUNCIL
28 September 2012 00:01
1689 and counting....
01 August 2012 06:54
Sorry about the repeat!!
And sorry, when you said boycott, did you mean not to attend? My mis-interpretation I think. But again, if it rains, hardly anyone will be there anyway and no-one will know its a boycott. Maybe a MAG organised mass turn out on the first dry Sunday after a given date would ensure a result, with a message sent to local newspapers, TV, local radio etc to get the message across and embarrass the council into giving up. I am a bit confused however, that the council, according to the article above, has approved the petition. Are they not the ones imposing this charge?
31 July 2012 21:31
Stick with the petition!
I agree with ACEEDSTORM that a mass turn-out would attract a lot of attention from the media, but if you organise it and it pee's it down, no-one will turn up and we will look stupid. Last Septembers ride-out organised by MAG only succeeded in getting so many people to turn up was because the weather was good, unfortunately a wasted effort because lots of people saw it but did'nt know what it was about. People I spoke to just thought it was a club ride-out!
31 July 2012 21:19
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text:
isn't all of this designed to keep home prices artifically high (ie, prolong the life of the bubble)?
Pump it up. Now all we need is R.E. Appraisers to pump the values and presto – goldilocks is back.
Note how the TALF loans are 'non-recourse'. This is essentially free money for the banks, courtesy of you and I. Our country is being destroyed to save a few institutions. Ridiculous!
Finally. This is what the 'bailout' bill was supposed to lead to weeks ago, and then the Treasury decided to take the money and start buying equity. Now that those equity investments have already soured, maybe they are starting to see that the original idea had some merit. And, 'say what', do you really believe that home prices are artificially high? They have declined 25-50% since 2006 in my state, depending on location and type.
Where does the money come from for all these? Aren't we already in defecit? The dollar will be worth nothing soon…
I guess this proves that we can only live in the bubble. We are hosed…
Homes are "up-side down" or "under water". The American Taxpayer is really having the hell knocked out them. I am glad to see some attention payed to "Main Street". People are hurting down here on the planet surface and it doesn't mean they have to be in forclosure.
that's great just reward the thiefs give them money for poor performance and lining their pockets,,,If I'm late on my house payment why don't u just give me the money to make the payment then I can stay in my house…better yet I would like a new car as well
a vacation and a little spending money…come on Hank can't I get a little easy money. afterall we are a global SUPERPOWER!
You have to look at what Japan did during the Great Depression. It's a based on Kanesian Economic Theory. In times of abnormmal market activity, you have to create more fiscal policy because monitary policy isn't working.
We need to run deficit spending to 50% or even 100% of GDP to get us out of this. 700 billion is a drop in the bucket compared to what whas injected into the economy during the Great Depression (inflation adjusted).
Injecting equitity into the market does not necessarily delute the value of the dollar if it is done properly. You can't keep injecting cash into the economy by stimulous checks and buying common shares of stock-that will dilute the value of the dollar
To Finance Prof,
Yes, still artificially high though going the right direction. I'm in my late 20′s and I've been waiting for the price of housing to come down to the price of substitutes for 6 years now. I believe the intangible benefits of homeownership were massively oversold and overvalued by every market participant, and I refuse to stretch financially simply to put my name on the deed… and I'm in the top 5% income-wise. A rising tide only helps if you start out in a boat, otherwise you're left behind… and me and my generation were left behind for quite awhile.
Jeffrey, if you are late on your payments, you probably shouldn't be in your home to begin with…and you probably shouldn't have the Escalade you're driving.
That is why the government has yet to, and will never, give free money to those idiots that never worked hard enough for it, don't deserve it, and too irresponsible to manage it.
We all know it, we're just afraid to say it. The consumer is the seed of this entire crisis – Stupid, irresponsibe, greedy people that think the world owes them everything and will do anything to get what their neighbor has to get it!
you didn't post my comment I made why not
Isn't the idea of extending additional consumer debt, the reason why we are in this mess. People overextended on home loans, now we can make consumer credit available to all. People ought to try and use good old cash. I am not convinced that universal home ownership is even a noble or worthwhile goal. renting never killed anyone. People AND the government need to live within their means.
Pigs they get fat, hogs just get slaughtered
Homes are"under water" or Up-side down". The Amercian Taxpayer is getting the hell knocked out of them. I gald to see some "direct attention" payed to "Main Street". The Average Amercian person is hurting down here on the planet surface, and it doesn't mean you do have to be in forclosure. There are many Americans who are behind in there expenses including the house note.
It seems when people talk about the finanical problem we are in: I wonder if they can or ever remember when it was tough for them personally? I sometimes think that it is hard for them to really understand what it means to be an "Average American Worker". I hope all here will try to have a great Thanksgiving and X-mas!
If you want to stimulate the economy immediately and make the package equitable, all the government has to do is waive federal income taxes and payroll taxes for six months.
Not getting it,
You didn't!
Finally, some pressure to close the gap between treasuries and MBS. The end of relaxed credit standards was too abrupt causing the tailspin. The headless chickens overreacted and exacerbated the situation. Yes, we needed a correction but not a recession. The problem with all markets today, whether tech, real estate or oil is that information moves too fast and people overreact. Headless chickens – all of Wall Street !
We have a 700 billion bailout for banks and instituitions with troubled assets. It would have been much better and cost effective to give every taxpayer a million dollars to bail themselves out.
Still Waiting, you amuse me. Your generation has an incredible sense of entitlement. Even in the top 5% of our income bracket, we didn't buy our first home until we were 41 in 2000. Graduated from college in 1982, the worst recession seen since then. Nobody thought it was so bad for us. But for you…! OMG!!!!!!!
All of America should pay their credit cards one day late in protest of all the nonsense that has been shoved down our throats and tell them all to take their late and finance charges from the TARP advances they have received. What a disgrace.
Calm down now… how about some bailout money or tax credits? You can just put them on my Federal Credit Card here… you won't even notice as you'll be long gone by the time the debt wave rolls through.
Will the governement pay for all debts we "can't" pay? This is no more a subsidary help, it becomming a Casino!
0% Savings? No Problem.
25 year Trade Deficit? No Problem.
Screaming oil prices? No Problem.
Frozen Credit? Problem.
Proof of the adage, 'What goes around comes around'.
The 'Cash Flow Machine' that has been flowing into America has been turned off. Other countries who are 'net creditor nations' may no longer have 100% faith that we can or will repay our debt with uninflated dollars. Face it, fiscal responsibility is now being forced upon us. Not very comfortable.
Without foreign investment or loans or net domestic savings or the US governement printing new money, then where does new US investment come from?
The point is to get the loans flowing to businesses and smaller banks, this doesn't and shouldn't concern the indevidual consumer directly. However, if this works then getting a personal loan for Christmas presents might be possible in another few years. ;) I don't plan on this helping me mortgage an apt in NYC this winter, but merely making sure that I'll be able to get a car loan when I retire to suburbia in 30 years. It's about making sure some form of lending survives this deppression, and that not all the banks become monetary black holes.
The Fed has ditched the Black–Scholes model in favor of the Black-Hole model.
Solution-Cut credit card interst in half and freeze card limit at 1/2 until paid down to that level, then re-evaluate. Real Estate–extend years for payback and change interest to low fixed interest rate. Same for Autos and hard goods. Gov. should have bought subprime stuff at market value and worked with the borrowers to get the money back and perhaps make a profit. Businesses need to borrow but profit and loss statement should prove they can pay it back. One can not make a loan to someone who can not pay it back.
who pays?????
who pays for this????
can you be specific? These are vague and unassigned statements???
Won't some asshole on Wall Street figure out a way of stealing an obscene fortune on this plan?
The official NWO globalist Holiday card,
From your fiends boring Ben Burn – them – key and aircraft head Hankie Pankie Pall – son,
"We have all the presents, and you get all the bills". Happy Hollidaze to you all!
You are ready! Keep it up and just maybe the NWO will have more trouble selling their baloney to everyone! You have a quaint way of expressing your displeasure!
Why not issue new bank note types that can't be deposited but must be spent on consumer durables and non-durables, so this money keeps circulating and doesn't end in the banks' vaults. And please, don't give any more money to the banks, Mr. Paulson – they are NOT your friends.
Who pays? The US has committed 60% of GDP, over EIGHT TRILLION DOLLARS to loan, guarentees, bailouts, stimuli, more to come as Obams announces HIS packages, which will also be in the TRILLIONS, expect a 2 trillion dollar 2009 Fed Debt.
But to directly answer the question, YOU and your children, grand children and great great grandchildren will be paying off this Fed incompetence for decades.
Much of this is foreign money that HAS to be repaid, otherwise the US becomes another Zimbawe and the dollar worthless.
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Or you can buy a tilt shift lens. :) Just a "small" investment. Thanks for the demo of the new LR feature!
ps-I like your new masthead photo!
Like many photographers, I take lots and lots of pictures that get deleted (probably 5-10 deletions or more for every keeper), and many more that never make it out of Lightroom. I keep some of those because I like them, but there's a problem that I just don't know how to deal with — too much noise, perhaps, or something that's in the frame that I can't get rid of.
One such shot I took in spring of 2012. I loved the subject – magnolia blossoms reflected in the chapel window – but the angle was just too awkward. You can see the original at the bottom of this post. Because of the placement of buildings and trees, shooting it straight on meant that the bottom of the window appeared to be twice the size of the top; so I took a longer shot from the side. I've revisited the photo a few times over the past year but wasn't able to do much with it.
In my web wanderings today, I read about the new "upright" feature in Lightroom 5. Like magic, this feature modified the photo to look (mostly) like it was taken straight on! Here it is:
While it's not perfect – for example, you can see more levels of detail in the bricks to the right of the window, and the circular window on top is a bit distorted – it does an amazing job of modifying perspective.
The steps I used in this example were:
Here's the original:
Note that using the tool requires losing parts of the image around the edges, but this shouldn't be a problem if the original has enough fluff to compensate.
The Upright tool works similar magic on uneven horizon lines, photos taken with wide angle cameras, and more. What a great addition to an already great program!
I like how the "after" version really brings out the pinks of the flowers and changes the focus of the picture. Instead of focusing on the building, you now see the details and stateliness of the window AND the free-flowing shapes of nature working together to form a harmonious whole. Bravo to you for sticking with this project.


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(CBS News) Everyone remembers his or her wedding day.
But a couple who got married in Canada on Saturday has a special reason their day was memorable. You might say it was - stormy.
According to the CTV television network, a professional photographer from Saskatchewan caught a giant funnel cloud in the background during an outdoor photo session.
Colleen Niska was taking photos of a bride and groom on a rural road near Saskatoon when she noticed the twister in the distance, and kept snapping away, CTV says.
Niska posted them Facebook, saying said she'd only "dreamed" of capturing such images.
"Could NOT wait to post these!" she said. "Pretty sure this will only happen once in my lifetime!"
Twister is seen behind couple during photo shoot on their July 5, 2014 wedding say near Saskatoon, Canada
By early Monday, Niska's album had some 13,000 shares on Facebook.
Commenters were impressed with Niska's "amazing" photos.
"Seriously, I'm betting you this is gonna blow up and get you very well known!" one person wrote.
"An amazing message for their marriage... love through the storm. Love this!" said another.
"They are wonderful pictures, but I am not sure I would be that calm with a tornado in the back ground," said another.
According to CTV, Environment Canada confirmed that two tornadoes touched down near Outlook, Sask., which is about an hour's drive from where the photo shoot happened.
The wind blew down a tent at the wedding reception, reports CTV, "but the rest of the outdoor party was said to be a success."
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WAYPOINT SERVICES FOR WOMEN CHILDREN AND FAMILIES Overview
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Kylynne K.
Waypoint does so much for families in and around the area; from women and children's services to Christmas gift giveaways to the community food bank, Waypoint's contributions to our community are appreciated. We use their school age services, and I feel that Jaina, the instructor at our site, ... more »
My aunt was in a domestic abuse situation in Minnesota. Her and her 3 children, 2 of which have special needs, came to Waypoint (as she is from the eastern Iowa area). Waypoint helped her get settled into a safe place to "start over" and get out of harm's way. It is a blessing to have such a ... more »
Teresa Flack
I have been volunteering at Waypoint for the last six years and have found everyone we work with at Waypoint to be outgoing and positive role models for everyone that uses their services. We read to the pre-schoolers five times a year and interact with the teachers and children on our visits. The ... more »


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acteristic slip, Dc and seeks the steady-state value Under conditions of stationary contact, Eq. 2 has the property that θ increases with the time of stationary contact. This results in strengthening of surfaces by the logarithm of time, which is also observed in experiments (1, 7, 11). At constant normal stress, θ increases whenever , which provides for the recovery of frictional strength after unstable slip events.
It is beyond the scope of this brief review to discuss the physical mechanisms that give rise to the rate- and state-dependent behavior. Observations of micromechanical processes for bare surfaces are described by Dieterich and Kilgore (7). Controlling mechanisms for gouge layers are somewhat more problematic (10, 12).
A variety of other fault constitutive formulations have been employed in analyses of earthquake processes. These include velocity-weakening laws, displacement weakening at the onset of slip, apparent fracture energy at a rupture front, and the rudimental concept of a static and sliding friction. Each of these representations can be described as an approximate limiting-case characterization of the rate- and state-dependent formulation.
The dependence of steady-state fault strength on sliding speed is obtained from Eq. 1 by taking dθ/dt=0 in evolution law (2). Under conditions of constant normal stress, the steady-state condition is , which gives from Eq. 1,
where the definition has been used. If the transient evolution effects observed when sliding speed changes (Fig. 1) are ignored, Eq. 3 represents a constitutive law for decreasing strength with increasing slip speed (velocity weakening) provided B>A (Fig. 2A).
Fig. 2b illustrates the sliding resistance as a function of slip displacement of a fault that was previously stationary and then is constrained to slip at a constant sliding speed. Because slip speed is constant, only the evolution of the state variable governs the displacement-weakening behavior. From Eq. 2, the evolution of state at constant slip speed is
where θ0 is state at , and σ and are held constant. Substitution of Eq. 4 for θ in Eq. 1 yields displacement weakening from the peak strength τp to the steady-state strength τss (Fig. 2b). The change of resistance from τp to τss is governed by the evolution of state from θ0 to the steady-state value ,
which gives from Eq. 3
Slip weakening comparable to that of Fig. 2b has been documented at the front of dynamically propagating slip instabilities where the slip speed is approximately constant (13, 14). The apparent fracture energy at a rupture front is defined


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Definición de bulldog bond en inglés:
bulldog bondSaltos de línea: bull|dog bond
A sterling bond issued on the UK market by a foreign borrower.
Más ejemplos en oraciones
- These sterling bonds are referred to as bulldog bonds as the bulldog is a national symbol of England.
- It can also invest a portion of its assets in interest-bearing securities of other governments and private issuers, such as sterling Eurobonds and bulldog bonds, where interest is generally paid gross.
- CFOs can also consider yen-denominated bonds (Samurai Bonds) and sterling-denominated bonds (Bulldog Bonds), depending on the perceptions of the interest rate and exchange rate movements.
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Palabra del día demoralize
Pronunciación: dɪˈmɒrəlʌɪz
cause (someone) to lose confidence or hope


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RISCO Group launches new initiative
New company vision driven by integrated security and building management solutions
"With our new move, new personnel and new vision, RISCO Group is well positioned to provide solutions oriented towards quality, innovation and service," said Mr. Friedman.
For more information, call 631-719-4400, visit www.riscogroup.com, or e-mail email@example.com.
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2136 Lake is a 21 minute walk from the UP-N Union Pacific North at the Kenilworth stop.
This apartment is in Wilmette. Nearby parks include Howard Park, Community Park and Thornwood Park.
2136 Lake has a Walk Score of 54 out of 100. This location is Somewhat Walkable so some errands can be accomplished on foot.
Nearby schools include Ronald Knox Montessori School, Highcrest Middle School and Harper Elementary School.
The closest grocery stores are Treasure Island Foods, Golden Dragon Oriental Imports and Wilmette Food Mart.
Nearby coffee shops include Sarkis' Cafe, Starbucks and Starbucks Coffee. Nearby restaurants include Ridgeview Grill, Ridgeview Grill Restaurant and Catering and Wilmette Tavern.
2136 Lake is near Howard Park, Community Park and Thornwood Park.
Pristine 3 bedrooms brick colonial w/1st floor family room, finished basement, state of the art kitchen, new windows, new wooden floors, new cac, screened porch, paver patio & professionally landscaped, fenced backyard in harper.


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Take 5 with "Picture Show"
We've asked the filmmakers for the 11th annual Oxford Film Festival the same five questions. Meet Jonathan Hicks, co-director of Picture Show (also pictured above is co-director Robyn Young). This film will be screening Friday, Feb. 7 at 6:30 p.m. and Saturday, Feb. 8 at noon.
#1: In 140 characters or less, describe your movie and why someone should see it.
Set in a small, Southern town, "Picture Show" observes an elderly couple facing the inevitable truth of life - That all things must come to an end. The story attempts, without any sort of irony, to examine the struggles we all face, our attempts to hold onto the past and the fear of seeing those we love the most leave their earthly existence.
#2: Biggest lesson learned in getting the film made? Best part in getting the film made?
The biggest lesson was the importance of, above everything else, honesty. We had to be honest to ourselves and to the lives that we were depicting. Shortly after principal photography, in the midst of post-production, I was diagnosed with terminal lung cancer, just like our male character in the film. Undergoing chemotherapy while editing the final scene took on a whole new meaning for me and I learned that art is a mere fragment of time that can so easily be manipulated or full of lies. Honesty is the key.
#3: Tell us about you. What is your movie making background?
I attended the Savannah College of Art and Design where I received my BFA in Film and Television production. At SCAD, I met my co-director and future-wife, Robyn Young. Together, we've been working on films ever since. After graduating, I move to New York where I worked for Oscilloscope Laboratories, an independent film distribution company. New York proved to not be the muse we were seeking and we returned to Georgia. Recently, I was the 1st AD on the feature film, "45 RPM." Currently, Robyn and I live in the sustainable community of Serenbe, just south of Atlanta, where we are in pre-production for our next project.
#4 What do you want the Oxford Film Festival audience to know about your film that isn't obvious from its title or description?
Though, Robyn and I are in our mid-twenties and the lead characters are in their late seventies, this is a film with universal ideas and themes that we hope will be evident and felt by the audience. We don't wish to manipulate or dictate thoughts or emotions, but rather engage in some form of conversation that is wholly sincere.
#5: What does the future hold in store for your film and for you?
"Picture Show" is currently making the festival circuit and we hope for more screenings to be scheduled in the near future. Currently, Robyn and I are in pre-production for our next project, an intimate (semi-autobiographical) story of a young man seeking spiritual enlightenment during the early stages of a terrible illness. We are also developing our first feature about an escaped orphan journeying across the Southern states during the Great Depression in search of his birth-mother.


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News & Notes
Unmanned aircraft systems to detect threats to crops in Southeast Idaho
Idaho State University is leading a research project that will use unmanned aircraft systems (UAS) to create new methods of addressing agricultural crop threats in potato fields.
The advantage of using UAS is the capability to scan large areas of potato fields to identify the impacts of crop pests and nutrient deficiencies. (read more... 6.2.2014)
Idaho State University Geosciences student Josh Kelly to receive posthumous degree; His father Terrell and service dog Cletus will walk at commencement
Cletus, a service dog, will be there again for his master Joshua Kelly at Idaho State University commencement May 10. This time, however, he will be at ISU in his master's absence. Kelly, who had epilepsy and suffered from scores of seizures during his lifetime, succumbed to the disease in mid February during what would have been his final semester at ISU. The University is honoring Josh with a posthumous degree. (read more... 5.7.2014)
Ten Students Earn MILES Internships
Ten Idaho State University students have been awarded internships through Idaho's Managing Idaho's Landscapes for Ecosystems Services (MILES) program to participate in a wide range of social science, ecological and geological studies. (read more... 3.10.2014)
ISU Receives $2.5 million NSF Grant
When it comes to climate and carbon, what's under our feet may be as important as what is up in the air. Our planet's soil - what Idaho State University's ecosystem ecologist Kathleen Lohse calls the "skin of the earth" - sustains life on the terrestrial portion of the earth and holds about three times more carbon than the atmosphere.(read more... 1.20.2014)
Idaho State University graduate Robert Mahon recently received the top award
for the Inaugural US Geological Survey/Geological Society of America Best Student Geologic Map Competition held at the 125th anniversary Geological Society of America Annual Meeting in Denver. The award was given for his mapping project titled, "Geologic Map of the Saddle Peak Hills 7.5' quadrangle, Death Valley National Park, San Bernardino County, California" that was completed as part of Mahon's Master of Science degree at ISU. He is currently attending the University of Wyoming and completing a doctoral degree in geosciences. (read more... 11.29. 2013)
35 minutes. That's how long it took for the Idaho State University GIS Center to produce a detailed report that gave Bureau of Land Management wildfire managers information they needed to plan for the recovery of the State Wildfire that burned on the Idaho-Utah border earlier this month - and the wildfire wasn't even out yet. (read more... 9.2.2013)
Special Achievement Award for geospatial technology application
Idaho State University's Keith Weber, director of the ISU GIS Training and Research Center, received a Special Achievement in GIS Award at the Esri International User Conference in San Diego on July 10.This award acknowledges vision, leadership, hard work, and innovative use of Esri's geographic information system (GIS) technology. (read more...)
Idaho researchers earn grant for high-tech tools to study watersheds; Idaho State University among participants
Idaho researchers, including those from Idaho State University, are joining with scientists in Nevada and New Mexico to study watersheds in the western United States with the help of advanced computer simulations. The National Science Foundation has awarded the states a grant for a three-year project to analyze, visualize and explore watersheds. (read more...)
Idaho State University geosciences Professor Benjamin Crosby lands Fulbright Scholar Award to work in Concepcion, Chile
Idaho State University geosciences Associate Professor Benjamin Crosby is heading about 6,000 miles south to Concepción, Chile, where he will serve as a Fulbright Scholar at the Universidad de Concepción and do research to assess the impact of hydroelectric dams in Chile. (read more...)
ISU Researchers Solve Mysteries of Ancient Fish
Using CAT scans and making 3-D virtual reconstructions of the jaws of the ancient fish Helicoprion, Idaho State University researchers have solved some of the mysteries surrounding large spiral fossils of this fish's teeth. The ISU Museum of Natural History has the largest public collection of Helicoprion spiral-teeth fossils in the world. (read more...)
New Idaho State University Geosciences doctoral program approved, begins in August, 2013
Idaho State University is ready to begin enrolling geosciences doctoral students in August after the Idaho State Board of Education approved an ISU Doctor of Philosophy (Ph.D.) Degree in geosciences at its last meeting. (read more...)
Geologic map of Idaho available at Idaho Museum of Natural History gift shop
The new geological map of Idaho, which was created with extensive input from Idaho State University, is available locally for purchase at the Idaho Museum of Natural History gift shop. (read more...)


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No rating
GreatSchools Rating
Teacher quality
Principal leadership
Parent involvement
Our 2 children love going to school at Bowie Montessori. The work is challenging and rewarding for our children. Teachers are caring and well-educated, the academic administrator has been very helpful in explaining stages of child development and assisting with problems, and the managing director has created a smoothly-run, child-centered, safety-conscious school and beautiful environment. Our children will continue at Bowie Montessori through the 8th grade.
I don't know where to begin since there are so many wonderful aspects of BMCH! We have had children attending this school for 8 years & it keeps getting better! The teachers & administration are top notch in their concern, knowledge, and commitment to the children and the parents. The director works hard to make sure the parents are well informed & the school is running smoothly with improvements constantly being added. Our children have flourished here, not only academically, but socially as well. They love their classrooms, teachers, & fellow students. They also love the beautiful campus they get to enjoy on a daily basis, either at recess, PE, or on a nature walk exploring the plants & animals. They love being able to learn Spanish, try their hand in Art, & practice various roles in Drama. The new reading specialist is no less than excellent! She took one of my children who had no reading experience at all to reading any book they desire in just 3 months. This is just one example of the level of dedication given to students. They are constantly being challenged and given new opportunities to learn. You will be hard pressed to find another school as amazing as BMCH!
Sensational school with fantastic faculty and campus. My children love this school and thrive in the Montessori environment. There are times when my kids are home on break and tell me they want to go back to school! I highly recommend BMCH to anyone seeking a welcoming school for their child, where they can learn and develop at the same time.
Bowie Montessori Childrens House Our children have thrived academically and socially at BMCH. It is truly a testament to the teachers and staff. We have been pleased as parents with not only their academic progress, but also the wonderful friends they have made. We look forward to our children's continued academic progress.
Initially when our child attended the school, I was excited about the experience and the approach to learning. Now after being at the school for a number of years, I remain disappointed in the lack of parental input and involvement allowed by the administration. Decisions are made without concern for the impact on the parents and their children. There still remains this feeling as though you are not allowed to express your opinion. For your opinions are received but not heard. When the administration is approached with concerns, the parents are given relatively disingenuous responses and are ignored. All of this saddens me greatly because I truly wanted to believe in the school and what it has to offer.
Bowie Montessori has excellent teachers (most have at least one Masters degree), a facility that provides many learning opportunities, and a beautiful campus where students walking along the pathways greet adults with big smiles. In addition to classroom teachers, there is a full-time art teacher and a full-time reading specialist, as well as assistants for chorus, drama, carpentry, and nature studies. There are seven separate play areas with several connecting paths on the 22-acre campus. Organized PE classes include SPARK, personal best, fitness, and folk dance. There are afterschool classes, too, for taekwondo, dance, and yoga, as well as chess and STEM. There are computer labs in both the upper and lower campuses for elementary and jr high students, as well as a WeatherBug station at the school. Several jr high classes are scheduled each week that incorporate computer learning, and students will begin an engineering class in the 3rd quarter. For many years the big jr high trip has been a 3-day adventure at Genesee Valley Learning Center and students rave about the wonderful experience. There have been many updates to buildings and grounds that have made BMCH a peaceful oasis.
We are so excited to start the our third year at BMCH! The school is wonderful and we're happy about the addition of a Reading Specialist to the staff...just another way to show how much they care about their students needs. What a great place!
My son is a student at BMCH and this is his 6th year in the school. This is THE best fit for my son. The program lets him learn at his pace and the teachers are very encouraging.. Academically he is way above the curve, but more importantly we as parents feel that he is getting a well rounded education. There are a lot of after school activities offered this year. There was some chaos a couple of years back when the administration changed but things have stabilized now. The staff and teachers are the absolute best.
Enroll Today!!! I have been a parent at BMCH for three years now. I have two children attending BMCH. As a parent, I marvel at how they have grown in knowledge and in self confidence. My kids are so excited about learning and about BMCH that they often ask , "We're not going to be late for school...are we?" They love waking up in the morning to go to school. The teachers are incredible! My kids are advanced in math, have a passion for creative writing, and are curious about their environment. You can't put a price tag on that kind of education! In addition to the education, there's a variety of extracurricular activities offered to the students. The school offers, Yoga, Indian Dance, Drama, Music, Chess...and other activites after school. It is fully my intention to keep my children at BMCH until 8th grade. I have no doubt that this school will continue to exceed my expectations!
My daughter has been at BMCH since she was just 2 years old. She's five now, can read, write in block and cursive letters, knows where Tanzania is, does basic math, can identify different trees/wildflowers, and takes care of the rabbits and chickens they have on campus. What my daughter learns at this school is to be a good citizen, polite, kind hearted, caring, responsible, and frankly she's become a pretty awesome kid. I attribute much of her attitude and behaviors to the school and we are grateful for it. She runs circles around our friends children who attend regular 'daycare' and or public schools. You will be hard pressed to find a campus which is even half as beautiful or expansive as BMCH. Even though they have never had a problem with security, they have added a security guard to the staff, and I'm sure every parent can agree that provides a sense of relief. My daughter loves her teacher, and learns something new every day. We keep a notebook in her school bag where her teacher sends us notes. It's simple, but I know what is going on with my daughter. We plan to stay at BMCH through 8th grade!
BMCH Rocks! As the Science, Technology, Engineering, and Math (STEM) Specialist, I have the opportunity to work with bright, inquisitive, and exceptional students. During the school day, Lower Elementary and Junior High students transform into aeronautic, rocket, civil, satellite-design, mechanical, and electrical engineers, scientist, geologist, and environmentalist. They are fully engaged and enjoy building models using the Engineering Design Process (EDP)! Not only do I work with the students, but with the wonderful staff and administration. The staff will be attending Professional Development seminars on campus that will include "The Next Generation Science Standards" and the latest, cutting-edge STEM lessons. I had the privilege of learning first hand what a great place BMCH was last summer while working as the STEM instructor at summer camp! We had a blast constructing and flying airplanes, designing, testing and launching rockets, building edible towers, and much, much more! The students, staff, and administration at BMCH are great and I am so glad to be a part of this community! STEM Specialist
I love BMCH and my children love attending BMCH. We have been a part of the BMCH community for nearly 17 years. Both of my children started at age 3 in the primary classroom. One has graduated from BMCH and the other still attends. We have seen an experienced first hand all the school has to offer, from an excellent quality Montessori education; to loving, caring teachers and staff. Any transition can prove to be difficult and the school experienced a great transition with the passing of its founder and headmistress. However, the new administration is making notable changes not only to the physical surroundings of the school but enhancements to the curriculum, extra curricular activities, safety and security. The Montessori education fosters an out of the box way of thinking, creates a desire for learning, and develops true leadership skills. I truly believe in the Montessori Method and in Bowie Montessori Children s House.
I attended at BMSH with great trouble the teachers were cold hearted and cruel not letting you have lunch unless you completed your "work list" and would keep you from eating until you finished. it some kids got hardly anything to eat. The school was rather expensive to. I left the school and give this review from the eyes of the student
I love this school! It is a perfect match for my family. The administrator is just wonderful. She is thoughtful, supportive, innovative and has high standards for the school. In the past 3 years I've seen her strategically upgrade the campus, which I believe she's not done with. It's thrilling to see how she uses the land to expand and improve outdoor education! Additionally, she's been able to retain highly educated teachers. In today's society it's important to have qualified teachers in the classroom. When I received the schools mailer, I noticed that all the teachers have their AMI qualification plus additional educational experience. I also have gained a greater understanding of the Montessori program. It truly focuses on the "whole child". His teacher is super-fantastic! She caring, gentle and kind to all the students. I've been telling all my friends about this school two of which have enrolled their children. The adminstration and the teachers at BMCH, should receive the national recognition of excellence!!!!! When you enroll your child, you'll see what I mean.
Love, Love, Love BMCH! My daughter graduated from BMCH and is doing exceptionally well in high school. She attended BMCH from the age of 3 until she graduated from the 8th grade. BMCH graduates not only do well in high school but in life. They are confident, articulate, and fully understand their place in this world. We also have another daughter in the 4th grade and she is such a bright awesome child that is getting exactly what she needs to be successful in all areas of her life. She will also be a graduate of BMCH!
Words can not fully capture my satisfaction with BMCH. My son has been attending the school since he was 3 years old. Since then I've seen constant improvement with the grounds itself, administration and the school staff. Everyone knows your name and who you kids are. Administration has taken the time personally to talk with me, show me around the new facility and ask about my families well-being. This administration is second to none. She has gone above and beyond what any parent would expect. I am eternally grateful to her and will forever sing her praises. As for my sons teacher, she has been a remarkable individual. I am not sure what I will do next year when he goes to lower elementary. From the very beginning, she has taken a personal interest in my son. Noticing the little things about his personality tells me she's watching and cares. She encourages me to look at all his best qualities and focus on them. What teacher do you know today only sees the best in your child when he's giving her a hard time? Most teachers, like myself, are stressed out with testing and grades that we forget about the child. Not at BMCH. They teach the "whole" child with precision!
I'm very pleased with Bowie Montessori Children's House. I have a boy and girl at the school each in different primary classes. They are learning so much, not just about math and science, and reading, but about being a part of a community, and intellectual curiosity, and empathy, and our connection to each other and the world. I am grateful for this wonderful option and would highly recommend that parents give it a try. The only reason why I didn't give it 5 stars is because recently the parent association has become slightly less formal than I would like.
Our son started at Bowie Montessori Children's House at the age of four and continued through the junior high program. Looking back, it was the best choice we could have ever made for him. We believe in the Montessori method and made sure that we incoroporated it outside of his classroom environment, which is a very important part as a parent. With the help of his teachers and peers, he became a very strong, independent, and confident young man who shows compassion and respect for others and his environment. He is now an honors student in high school and is still flourishing! This school provided a solid foundation for learning, as well as the love of learning that he still carries with him today. If you wonder if Montessori is for your child, visit and see for yourself. You won't be disappointed!
My children and I love BMCH. The teachers and staff are GREAT!! This is our first year in a Montessori school. I was nervous about how the transition would be for my children. The teachers and staff made it a very smooth and comfortable transition for my kids. Thank you. Your hard work and dedication is much appreciated.
I have two children who have been at BMCH for three years. They are excited about learning and love coming to school. I highly recommend BMCH!
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The Community Rating is the school's average rating from its community members (e.g., parents, students, and school staff). The highest possible rating is five stars; the lowest is one star.
5004 Randonstone Lane
Bowie, MD 20715
Phone: (301) 262-3566
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Divine Fits News
Divine Fits release RJD2 remix of "Would That Not Be Nice"
Divine Fits released a remix of "Would That Not Be Nice" by RJD2 today at RCRD LBL. RCRD LBL describes the remix, "Soulful and melodic with Daniel's reedy vocals front-and-center, this flip shows how strong the group's original songwriting can be as a bed for other sonic excursions."
Divine Fits premiere video for "Would That Not Be Nice"
Divine Fits' moody and hypnotic performance video for "Would That Not Be Nice" premiered today at Stereogum.com The video, directed by Brian Butler, uses dramatically lit live performance shots to illustrate the song Stereogum describes as "one of 2012′s greatest, most enduring rock songs."
Divine Fits add shows, release "My Love Is Real" 7-inch
Divine Fits has confirmed its first ever dates in Los Angeles, New York, Seattle and Toronto.More >
First Divine Fits music revealed!
Britt Daniel (Spoon), Dan Boeckner (Wolf Parade) and Sam Brown (New Bomb Turks) have revealed a first taste of the music they have been recording together as Divine Fits. A trailer featuring a brief portion of a song from the band's as yet untitled debut album can be seen and heard at divinefits.com.More >
Britt Daniel, Dan Boeckner & Sam Brown are Divine Fits
Britt Daniel (Spoon), Dan Boeckner (Wolf Parade) and Sam Brown (New Bomb Turks) have confirmed the existence of their new band, Divine Fits. Divine Fits' as yet untitled debut album will be released later this year by Merge Records in the U.S.More >
Spoon to take part in Tucson benefit album & appear at Austin music festival
Spoon will be contributing a song to the forthcoming benefit compilation Luz de Vida: A Compilation to Benefit the Victims of the Tucson Tragedy, which will be released on Fort Lowell Records on October 18. The other musicians on the album either hail from Tucson or have ties to the city and include Calexico, John Vanderslice, Robyn Hitchcock, and Neko Case, among many others.More >
Spoon's "Takeaway" show from Paris
2010 Holiday Bundles available in the Merge Holiday store!
Specially priced for this holiday season! Get more bang for your buck when you purchase these items together:More >
Spoon premiere video for "Nobody Gets Me But You"
Spoon on Late Night with Jimmy Fallon!
Spoon on Late Night with Jimmy Fallon tonight!
Spoon are the musical guests tonight on Late Night with Jimmy Fallon! Check your local listings for channel and airtime information and set those DVRs.More >
Free Merge sampler at Amazon.com!
Spring has sprung and it is time for a new free Merge sampler!More >
Spoon plays Jimmy Kimmel Live!
Be a part of the crowd for Spoon at Jimmy Kimmel Live!
Sign up now for free tickets to see Spoon perform in Los Angeles on the outdoor stage at Jimmy Kimmel Live! on Thursday, April 15! The performance will air later that night on ABC.More >
Spoon on NPR & BBC World News America
Merge @ SXSW 2010
Merge will be well-represented at the SXSW Music Festival in Austin this year with eight bands and two special Our Noise events.More >
Spoon on The Late Show with David Letterman tonight!
Spoon will appear on The Late Show with David Letterman tonight! Other guests include Tom Hanks and the US Olympic bobsled team.More >
Spoon on NPR's World Cafe today!
Spoon will appear on NPR's World Cafe today! Spoon recently recorded a session and an interview with World Cafe host, David Dye, which will air on nearly 200 stations nationwide.More >
Spoon is KCRW's 1000th "Top Tune!"
New Spoon video for "Written in Reverse!"
Spoon have released the video for "Written in Reverse," from their new album, Transference.More >
Spoon celebrate "Transference!"
Britt Daniel to play Haiti Benefit at Music Hall of Williamsburg on Saturday
Spoon - "Transference" out now! Perform on The Tonight Show!
Spoon's eagerly anticipated new album, Transference, is available in stores and at your favorite digital music outlet today!More >
Spoon announce North American tour; preview "Transference" at NPR.org
As the January 19th release of Spoon's eagerly anticipated new album, Transference, grows near, Spoon has announced the itinerary of its 2010 North American tour.More >
Pre-order Spoon's "Transference" and stream the first single!
The wait for Spoon's new album, Transference, will be a little shorter! Transference will now be released on January 19, 2010.More >


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|08 Feb 2011
Windows 7 Enterprise x64
2 exchange server accounts in outlook - Different Domains
hi guys,
First post
My company recently installed windows 7 Enterprise x64 on our laptops, being the company domain the default one.
I have no problems connecting thru outlook to company's mail, but my problem it's that on the client Im not able to setup the exchange server mail...
I was able to have 2 exchange server mail accounts on Vista but Im not getting it done on 7... Does anyone know if it's possible to do this? Being the exchange servers in different domains?
If yes, how?
Thanks in advance,
Best Regards
João Martins
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Real fishing enthusiasts should get their hands on the absolutely phenomenal South Bend Proton Spincast Rod and Reel Combo. This outstanding Fishing Rod & Reel Combo from the expert craftsmen at South Bendincludes reel model SBP40 with ball bearing drive and adjustable dial drag, pre-spooled with monofilament with the 2-piece rod, model SBP702 is a 7' 0" fiberglass rod blank with ceramic guides and an EVA handle. Don't hit the dock with out the South Bend Proton Spincast Combo wherever you go.
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The Winnipeg Jets and Phoenix Coyotes duke it out for the third and final time this season on Tuesday night at the Jobing.com arena in Glendale.
The Jets will start Ondrej Pavelec, leaving Michael Hutchinson on the bench for a game that many thought he would make his first career NHL start in. Tomas Greiss will be in goal for the Coyotes at the other end.
The Jets are missing Keaton Ellerby, Zach Bogosian, Mark Scheifele, James Wright, Chris Thorburn, and Al Montoya. Zach Redmond will be in the lineup for the second straight game, after recording an assist in the clubs' loss to the Anaheim Ducks on Monday. The Coyotes are down Mike Smith, Dave Schlemko, and Dave Moss is a game-time decision.
The Jets wrap up a five-game road trip with the match-up, and are 2-0 this season against the Coyotes.
Here is tonight's viewing info:
TV: TSN Jets (Non-Regional: Fox Sports – Arizona Plus)
TIME: 9:00 PM Central
ONLINE: TSN1290.ca
My Prediction: The Jets continue their winning ways over Phoenix, and finish off the road trip with a 5-4 win. Kane scores two goals, Frolik, Little, and Peluso add one each. Pavelec makes 27 saves.
Leave your prediction in the comments! If you're correct, you'll receive some credit on Twitter!
Thanks for reading. For everything Winnipeg Jets and live game updates, follow us on Twitter @hkyattheforks.


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WALLA WALLA - The paint is still wet on the seemingly endless stretch of walls at the old Country Store Consignment Center on a recent Saturday morning when Kyla Greiner turns her attention to the front end of the building.
"We'll have all new carpet and baseboards. And the bathrooms will be updated. And right now you can hear they're repairing the roof," she exclaims over the sporadic banging above the ceiling. "We're also getting a new sprinkler system and new windows."
Then she pauses to consider anything she might have left out.
"Basically it's a total facelift,"
The 33,000-square-foot behemoth of a building at 2205 Isaacs Ave. has long represented a convergence of old and new with previously owned items from households, attics and closets on display for potential new owners.
That old-and-new model now holds true for the operation itself. Closed a year ago under former owner Claudia Fowler, the decades-old business is finding new life under Greiner, who plans to re-open this spring.
The Walla Walla native returned to the community in January to re-open the store in the building owned by her parents, Bill and Sharie Greiner. For the last eight years she's lived in Western Washington, where her various jobs included preschool teacher, nanny and sales representative.
Her desire to return to her Eastern Washington roots was perfectly timed as the building's duration on the market approached the one-year mark with no serious tenant prospects. In addition to the size of the building and the economic climate, a number of improvements were required for occupancy.
Under the watchful supervision of her Spaniel mix Chester, Greiner has spent weeks clearing out, cleaning up and getting ready for a new twist on the consignment shop where some of her earliest shopping memories were created.
"I remember buying my bell-bottoms right over there," she reminisced, pointing to a corner on the upper level of the building.
More than 4,000 consignors offered their items through the store over the nearly six decades of business before last year's closing. The store was not only an Eastgate attraction in its heyday, but also a local institution for buying and selling wares.
Greiner was reminded of this during a conversation at a baby shower, where a friend's mother recalled buying dyed chickens at Easter at the retailer.
"The Country Store's been around forever and ever," Greiner said.
In her version of the operation - which will be known as The Country Store Consignment & Antique Mall and is expected to be open as early as late April - there will be less emphasis on clothing and more on quality furniture, jewelry, household items and more.
Sections of the cavernous space can be occupied by those who want to operate individual booths. She expects to operate Wednesday through Sunday with one day during the week reserved specifically for accepting consignment inventory, which she expects to track through a software program.
"I think the hardest part for me will be stopping myself from being tempted to buy (the inventory)," Greiner confessed. "I love a good deal."
Greiner said a number of people have already stopped by the building to offer their items for consignment.
She's juggling that with the improvements - including painting over the yellow that ran rampant through the building. Her parents have been huge influences as mentors, she said. Her mom has assisted with the painting - "I might have to treat her to a massage after this," Greiner said.
Her dad offers his advice for the operation. He plans to add a decorative vintage wagon out front.
"There's a lot of potential here," he said. "It's just a matter of being creative."
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Four new Nokia Symbian handsets leak with 1GHz processors and Symbian Belle in towAlex Wagner - Editorial Director of News and Content
Nokia may be preparing to roll out Windows Phone devices like the N9-esque Sea Ray, but that doesn't mean that it's done with Symbian just yet. As evidence of that, the alleged specs of four upcoming Nokia-branded Symbian devices have leaked out alongside photos of one of the new handsets. The specs originated over at FlashFly and were corroborated well-known blogger Eldar Murtazin:
Nokia 701, codenamed Helen: 3.5-inch 360x640 nHD ClearBlack LCD display, 1GHz processor, 8-megapixel camera, and Symbian Belle (the follow-up to Symbian Anna).
Nokia 700, codenamed Zeta and photographed above: 3.2-inch 360x640 nHD AMOLED display, 1GHz core, 5-megapixel camera with LED flash, NFC, and Symbian Belle.
Nokia 600, codenamed Cindy: 3.2-inch 360x640 nHD AMOLED display, 1GHz CPU, 5-megapixel camera, NFC, FM Radio, and an "attractive price."
Nokia 500, codenamed Fate: 3.2-inch 360x640 nHD TFT LCD display, 1GHz processor, 5-megapixel camera, described as "affordable, reliable, and fast."
All four devices are said to be launching sometime in Q3, although it's not clear if that means that we'll also see them made available here in the U.S. at the same time. As always, though, all of these details should be taken with a few grains of NaCl. If they are indeed legit, it's good to see Nokia continuing work on Symbian and bringing a good range of devices to market. It'll also be interesting to see what kind of improvements Symbian Belle packs compared to Anna. We'll keep you posted!
Via Unwired View, @eldarmurtazin, FlashFly, GSM Arena


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Hama is committed to developing and delivering products that achieve the highest performance at a most competitive price, within easy reach of everybody. Hama has dedicated manufacturing facilities and partners all over the world to meet the needs of all its customers for years to come.
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Chicago-based DJs Josh Young and Curt Cameruci, better known as Flosstradamus, recently teamed up with Casino for their latest single. The duo reportedly crowd-sourced all of the "hoodiegirls" and "hoodieboyz" to shoot the seizure-imposing music video. The single is now available for purchase on iTunes.
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one of "those" girl blogs
I think i belong in Oregon.
This is a picture of the beach my friends and i camped on a few weeks ago when we travelled to the west coast from Colorado.
I feel like a piece of my heart was left on that beach and another piece left in the forest we camped in too.
I've wanted to go to Oregon my whole life because that's where my parents said they were going to move when my mom was pregnant with me, but due to unfortunate events, they never made it.
And ever since i visited I've felt like that's where i was supposed to be all along.
I know ill get there eventually.
I'll have a teacup pig and teach it how to swim too :)
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Carmody Street Business Park, Ennis, Co. Clare, Ireland
Property Details
065 6823718 / 086 8623471 Email advertiser
Turn-key Office Building for Lease
Carmody Street Business Park is located in the heart of the town and comprises fourteen own door office suites with carparking.
No. 10 extends to 146 sqm (1,572 sqft) and has accommodation over three floors comprising a reception/waiting room, private office, store and wc on the ground floor, two spacious offices and staff wc on the first floor and two private offices on the second floor.
Facilities are insitu ie, lighting, flooring, computer & phone points and broadband.
Rent for Building: 300 per week plus vat (all utilities included)
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Bank of America and Embraer Talking
Cross-pollinating their businesses, Bank of America and Embraer announced a joint referral program for sales and financing yesterday. The program will include Embraer's Phenom 100, Phenom 300 and Legacy 600.
"Bank of America is pleased to work with Embraer to make it easier for our clients to purchase and secure financing for Embraer executive jets," said Michael Amalfitano, Bank of America's Corporate Aircraft Finance executive. The two companies will develop marketing and promotions steering customers toward coordinated financing and purchasing, while Bank of America will offer expedited credit decisions for those purchasing Embraer's aircraft.
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