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- Setting the Stage for Digital Engagement: A Five-Step Approach
September 15, 2014
The practical, pedagogical, and privacy implications of a smart, connected digital campus engaged with its constituents have yet to play out. To handle whatever comes next, colleges and univer…
- Five Questions for CIOs
January 27, 2014
Eric Denna is the CIO for the University of Utah and the Utah System of Higher Education. With this issue of EDUCAUSE Review, he begins a one-year term as Editor of the Viewpoints dep…
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September 4, 2013
Key Takeaways To address the common quality-assurance problem of key performance indicators that don't reflect client experiences , Yale University's Information Technolog…
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May 14, 2013
Accurately and consistently measuring the cost of IT in higher education is an essential part of strategic IT management, yet according to IT leaders, cost data have proven elusive. What if a…
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March 26, 2014
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November 13, 2012
Factors including budget cutbacks, rigorous regulatory requirements, rising demands for IT services, and IT's contribution to transformative change fuel the need for IT leaders to communicate I…
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February 4, 2014
A session at the EDUCAUSE Learning Initiative Annual Meeting
Is your institution planning to implement learning analytics? Are you ready? How do you know? Come discover a new survey tool to help you think about who and what to involve and how to prepare: t…
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October 24, 2012
The National Science Foundation sponsored a workshop on September 10 and 11, 2012, in Arlington, Virginia on curating data, inviting Individuals from government, academic and industry settings …
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August 21, 2013
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With Apple Inc. (NASDAQ:AAPL) up nearly 27% from its April 15 low of $73.05, long calls have been the options of choice of late. In fact, the equity's 10-day International Securities Exchange (ISE), Chicago Board Options Exchange (CBOE), and NASDAQ OMX PHLX (PHLX) call/put volume ratio of 2.63 ranks higher than all other comparable readings taken in the past year.
This morning, calls are trading at nearly two times the intraday average, and short-term contracts are in demand, per AAPL's 30-day at-the-money implied volatility (IV), which is up 5.2% at 26.9%. Receiving the most attention in early trading has been AAPL's weekly 7/3 93-strike call. The majority of the 27,361 contracts traded here have done so at the ask price, IV is up 5.5 percentage points, and volume outstrips open interest, collectively inferring buy-to-open activity.
In today's session, Apple Inc. (NASDAQ:AAPL) was last seen 0.6% higher at $92.54, after announcing a new round of iTunes U updates for educators. As such, delta on the call has jumped to 0.39 from 0.27 at last Friday's close, suggesting a 39% chance the position will be in the money at this Thursday's 1:00 p.m. ET close, which is when the weekly 7/3 series expires.
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About Lean CPA
By employing the techniques that have made thousands of manufacturers more successful and profitable, you can increase your bottom line and be more effective in the process. An accounting firm efficiency expert will help you turn your focus inside – to look at how your firm operates and to identify areas where you can gain efficiency and capacity.
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On the Web
Website: http://www.leancpa.net


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Part 1 – Introduction: Risk
Part 2 – Avoiding Defaults
Part 3 – Low-Grade Loans
Part 4 – Multiple Filters
Part 5 – From Tools to Platforms
Lending Club and Prosper both give you the ability to filter their available loan pool. The quality of your filter will strongly affect whether your notes become healthy or unhealthy over time. Lenders with good filters are less likely to experience defaults and more likely to have thriving consistent returns. A good filter is key.
So what is the recipe for a good filter? To answer that question, let's take a minute to look at a basic element of investing in general, particularly the idea of risk.
Good Risk and Bad Risk
Anytime you loan money, you are going to be examining and weighing risk. If a friend asks to borrow $500, we first consider the person who is asking.
What if your friend:
- Is always behind on his rent
- Can't hold down a job
- Never chips in money for beer
Most of us would not loan him $500 (or at least would just call it a gift), knowing that the chance (risk) that he would not repay this loan would be quite high.
If we minimize our risks in life, we decrease the chances that something bad will happen. This is why people buckle their seatbelts, study for their classes, and remember to let the dog out before bed. Doing these things makes life more stable and enjoyable.
This is not to say that risk is always a bad thing. Sometimes, risky things are how anything amazing happens at all! I have a friend, a chef, who started a restaurant with a $200,000 investment from her parents. Her parents took a big risk loaning her this money. There was a good chance her restaurant would fail, as many restaurants do. However, by this point in her career my friend had already succeeded at a few businesses, proving to her parents that she was a skilled chef. Plus, she was their daughter and they trusted her. When she told them she had an awesome business idea, they believed her. My friend now owns one of the more famous gourmet restaurants in the Pacific Northwest.
In life, nothing is certain, but some things are surer than others. As we live our lives, we learn where the world is consistent. We slowly become aware of which foods our spouse will enjoy or which friends we can count on for help. This habit of filtering is a basic element of life, of investing, and a major part of peer to peer lending.
Risk by the Numbers
While it is easy to casually reduce normal everyday risk, imagine if you had to engage thousands of instances of risk at once. Things would become very difficult. And what if we tried to grapple something really complicated, like evaluating the financial stability of 100,000 different people? We would have to examine all their different bank statements and spending habits. We would have to come with all of them to their thousands of places of work and see if they were good employees. The process would take so long that nothing would ever get accomplished. Thankfully, there is a way to avoid all this work: using numbers.
Looking at the world through numbers makes evaluating people much simpler. First, we can approach a hazy thing like financial responsibility, and make it numeric. We can move from a huge question like "How financially responsible is Simon?" to a simple number like a credit score (730) that provides a summary for that question. With numbers, evaluating someone's risk becomes a much quicker process.
Once we can describe people numerically, we can then place them in large groups and run statistics to organize those numbers. Now, not only do we have a measurement like a credit score for an individual borrower, but we can also do some basic statistics to see that people with similar credit scores act in similar ways.
Open Digital Platforms
Using some simple statistics is a key to success within peer to peer lending. This is only possible because the platforms are wonderfully transparent. Both Lending Club and Prosper have given us access to all the borrowers and loans in the history of peer to peer lending – the good and the bad. Very little is hidden from us. This history contains tons of information, including the credit reports of all their borrowers.
Good and Bad Risk in Peer to Peer Lending
Conveniently, websites like NickelSteamroller.com have tools we can use to analyze borrower history and get a picture of which loans might perform best. These online tools are excellent at understanding the presence of risk within peer to peer lending. They help with identifying bad risk that we want to avoid, such as avoiding borrowers who might default. They also are great for identifying good risk, such as high-quality low grade loans that often have interest rates over 15%.
Using some simple statistics, we can set up filters to grapple risk and have great peer to peer lending returns. These two kinds of risk, good and bad, are the two elements of using filters.
In part 2 we look at how to avoid bad risk and lower our defaults.
Questions or comments? If you enjoyed this please Like or Tweet it below.
[image credit: flikr 'flikr1077'/Jodie Wilson 'zipline' CC-BY 2.0]


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Investment of Operating Funds. 5.31 - Updated on Jun 01, 2011
Provides direction for the investment of operating funds. Requires funds be invested in a manner which preserves the principal and purchasing power of the funds and maximizes the return on funds.
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Dr. Hauschka products have been created out of a deep anthroposophical understanding of nature and the Human Being, and a system developed by Rudolf Steiner and Ita Wegman in the 1920's. This anthroposophical system underlies modern medicine with a classification of life processes that occur in the body, soul and spirit.
Dr. Hauschka is part of WALA, founded in 1935. The company has a 100% commitment to quality, with no shareholders to compromise that commitment. Dr. Hauschka's ethical trading style has been part of its ethos for over 70 years and it now employs over 600 people and supports thousands of hectars of environmentally responsible farmland that provides the high quality raw ingredients for its products.
Dr. Hauschka is one of the most well known and respected natural beauty brands, and Madonna, Kylie Minogue and Julia Roberts are among its loyal customers.
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The Community of Disc Golfers and About All Things Disc Golf
I brought my basket camping with my and snagged some great pictures with the mountain in the background.
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If I Could Be Like Tebow
December 16, 2011 7:24 AM
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(WSCR) Remember the popular 90s song "If I could be like Mike" about Michael Jordan?
Well, one politician has infused Tim Tebow with that same ideology.
Republican Presidential candidate Rick Perry said he wants to be the "Tim Tebow of the Iowa caucuses."


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Step off the C train and take a walk through Brooklyn Heights, a quiet neighbourhood where historic townhouses line intimate streets and trees trim curbsides with green serenity. Here you'll find Willow Street, a home that provides a welcome respite from the hustle and bustle of nearby Manhattan. Newly remodelled, the home is a modern, minimalist haven, a light-filled space filled with beautiful shapes that is a destination in itself.
Your hosts hail from Copenhagen, and are the perfect combination of art and science, of creative flow and controlled form. He's a photographer, she's a psychologist, and their little one is surely a great talent in the making. When not finding inspiration in Brooklyn, they are traveling around the world.
Step inside this home and you'll enter a spacious great room, with the kitchen neatly contained to your right and the high-ceilinged living room directly ahead. Four delicate globes of light hang from the ceiling above the sitting area, each like a perfectly full moon. A long, low sofa striped in shades of bark brown and moss green adds some sophisticated colour to the room, but the stripes are ever balanced out – look down and you'll find round grey ottomans sitting neatly on the light-toned floor.
In the master bedroom, the modern, minimalist feel continues. Above the mantle, a round mirror hangs, reflecting the spherical lighting that ties this room with the rest of the home. The ensuite bathroom is a spa-like retreat – pristine carrara marble tiles span the walls. Take a cool shower – or better yet, a bubble bath - and let your cares slip away. Your toddler in tow will adore the boy's bedroom, where details like round bongo drums and a black-rimmed circular table can be found amidst a smattering of plush creatures and picture books.
This home isn't all white and black, however. Your hosts have infused pops of colour in all the right places. Open the cleverly blended-in door to the powder room, for example, and you'll face a crowd of zebras prancing across pepper-red walls.
Ready for a tangent? You won't have to travel further than a five-block radius to find outstanding dining options in this neighbourhood. Try Jack the Horse Tavern for local brews and some unparalleled mac and cheese, or Bevacco for Italian that locals swear by. Or take a jog on the path in Brooklyn Bridge Park (just a few blocks west), continuing northwest until you're heading over the iconic bridge itself.
Wifi as standard
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Grass on the slopes of Woods Valley was the background to Kayaks on Lake Delta. The melted snows of winter have filled the lake, and summer fun is here.
Change In Seasons
By: TomRubySubscribe Channel: Weather Location: Lake Delta-Westernville, NY
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CBS 2 - Search Results
Controversy Surrounds Voter Fraud
DES MOINES, Iowa (AP) -- After spending nearly $150,000 over 18 months to uncover voter fraud in the state, Secretary of State Matt Schultz has succeeded only in obtaining charges in 16 cases. Five have been dismissed and five ended in guilty pleas. No cases have gone to trial.
Schultz says it's proof voter fraud exists and taxpayers want him to do something about it.
Advocates for ballot access and Schultz critics say so few cases show voter misconduct is statistically insignificant and is usually the result of a misunderstanding rather than fraud.
Schultz, a Republican who has made ballot security a signature issue, could spend as much as $280,000 on looking into voter fraud as part of a two-year contract he's signed with the Iowa Division of Criminal Investigation.
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All Grand Island residents ages 13 and up are eligible and encouraged to become and umpire.
Registration Steps:
1. Download and complete the umpire application
2. Download and complete the medical release form.
3. Application Deadline is !
* Umpires must attend (2) Umpire Clinics. Please see below.*
4. Mail the:
1) Umpire Application
2) Medical release form
Grand Island Little League
PO Box 714
Grand Island, NY 14072
Attention: 2010 Umpire Application
Any umpire releated questions (including applications) can be directed to GILL's Head of Umpires:
Important Information
All umpires who's applications are accepted are required to attend (2) Umpire Clinics. These clinics are
scheduled as follows:
Time: '. $ump_clinic1_time.'
Location: '. $ump_clinic1_location.'
Time: '. $ump_clinic2_time.'
Location: '. $ump_clinic2_location.'
Time: '. $ump_clinic3_time.'
Location: '. $ump_clinic3_location.'
Please contact GILL's Head of Umpires:
immediately if :
1. You have not heard from the league regarding your application and the Clinics are upcoming.
2. You applied after the application deadline.
3. You cannot attend the clinics.
pay schedule:
International: (1) umpire per game: $15.00
Minor/Major Baseball: (2) umpires per game: $17.00 - Plate $10.00 - Base
Minor/Major Softball: (2) umpires per game: $17.00 - Plate $10.00 - Base


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Vito's Ristorante: Italian dining with a personal touch
by Stephanie | April 16, 2012 | 6 Comments
Vito's Ristorante
Photos courtesy of
It isn't every day you enter a restaurant to be cheerfully greeted by the chef and owner, but that's the norm at Vito's Ristorante. Located at the corner of May and Wilshire in the Lakeside Shops, Vito's is a great choice for an intimate meal for two or even for large family dinners. Cathy Cummings opened the restaurant, which she named after her uncle Vito, about six years ago with the goal of serving amazing Italian food like her grandma used to make. I think grandma would be proud.
The menu goes beyond traditional options like Fettuccine Alfredo and Chicken Parmesan (though both of these dishes are well prepared). Vito's also offers unique options that you won't find at just any Italian restaurant. Chicken Scaloppine (grilled chicken breast sautéed with lemon butter, mushrooms, artichokes, Kalamatta olives and capers – see a pic) and Cioppino (a seafood stew cooked with assorted fish, mussels and shrimp in a tomato-based broth – see a pic) are wonderful dishes if you're looking for something out of the ordinary.
Vito's is only open for dinner, and prices are in the mid to high-mid range, starting at $14-$15 for Lasagne (see a pic), Ravioli with Meatballs and Eggplant Parmesan to $22 for the Cioppino and Fettuccine Diablo con Pesce and $25 for the Shrimp Spedini (charcoal-grilled shrimp served with Sachetini pasta in a roasted red pepper cream sauce – see a pic). In my opinion, most of the dishes are large enough to be shared. All entrees include a wonderful Caesar salad with homemade dressing (see a pic) or house salad if you prefer. And everything comes with Cathy's homemade bread.
The night my family visited Vito's, I ordered the Cioppino (mentioned above) while the others stuck mostly with traditional pasta dishes. Their favorites included the Lasagna and Chicken Parmesan, both of which are made with Cathy's famous "sugo" (read: red sauce).
But don't forget to ask about the Zuppa di Giorno (or Soup of the Day). Cathy convinced us to try her Italian Wedding Soup made with fresh pasta, sausage, and spinach in a flavorful broth. I was a bit skeptical, but after hearing Cathy describe it, my 11-year old said "I'm having that!" Evidently, we raised a smart kid because the soup was spectacular.
I would describe the atmosphere at Vito's as "rustic Italian." There are simple red and white tablecloths and fresh flowers on each table and the lighting is intimate (see an interior pic). There are probably a total of 16-18 tables in the entire restaurant. On the weekends, you can enjoy live music that includes the ballads of Dean Martin and Frank Sinatra. Honestly, I could live without the live music as the noise level in this small space gets quite loud. Weeknight music includes recorded Rat Pack tunes at lower levels.
My favorite part of the ambiance has to be the photos. Most every wall is adorned with black and white pics featuring members of Cathy's family, including Uncle Vito himself (who, from the looks of the picture, could have been related to Tony Sopprano).
Vito's also delivers on the wine front. You can order house wine by the glass or choose from a nice selection of bottles, most of which are Italian varieties. Bottles can be reasonable (we choose one that was $35) or you can splurge and go for the expensive stuff.
Oh, and don't forget to leave room for dessert. Vito's creates some wonderful desserts including lemon sorbet, cheesecake, Tiramisu, and my personal favorite creme brûlée. Desserts run about $5.95 each and often can be shared with your significant other (or in my case with a 7-year old).
Speaking of 7-year olds, Vito's does offer a kids menu with plenty of options for even the pickiest of eaters. And since everything on the menu is made fresh-to-order, special requests are no problem for Cathy and her staff.
I've visited Vito's no less than a dozen times over the past couple of years and I have always been pleased with the food and service. Have you been to Vito's? Let us know what you think in the comments below!
Get more information and see more fantastic photos courtesy of Nicole McDaniel Photography on our restaurant listing for Vito's Ristorante.
More Photos from Vito's Ristorante
Photos by Nicole McDaniel Photography.
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D says:
April 19th, 2012 at 7:18 am
Hands down the best Italian restaurant in OKC.


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One City One Hire is an innovative economic development strategy that serves as a catalyst to jump-start the Mayor's pledge to put all unemployed District residents--in every Ward of the city--back to work.
DOES Local Job Training Quarterly Outcome Report FY2013-Q3
Wednesday, August 28, 2013
DOES Local Job Training Quarterly Outcome Report FY2013-Q3
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2014 MCB Membership Directories - DELIVERED
All MCB members should have received their complimentary copy of the 2014 Membership Directory.
Directories were sent to the firm you have listed with the MCB. Firms with 6 or more attorneys received their directories in one bulk shipment. Firms with 5 or fewer attorneys received the appropriate number of directories in individual envelopes. If you list your home address with the MCB, your directory was sent to your home.
Questions? Please contact MCB Director of Communications & Member Networking Rhea Kelley at firstname.lastname@example.com or 704/375-8624 ext.108.
Directory Order Form
Order this essential resource for your paralegals and support staff today. Additional member copies (for your staff) are only $50. Non-member copies are $60.
If you would prefer, you may download an order form here.


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ONE DAY starring Anne Hathaway and Jim Sturgess is opening on August 19th. Movie Maniacs and Alliance has an opportunity for you to win double passes to attend an advanced screening on August 18th. We are using e-tickets again and it couldn't be easier.
The first 100 people to visit https://secure1.gettickets.ca/Redeem/Regular/SelectTickets.aspx?id=caf12e51-fb17-4dab-9426-2a7b13bff125&locale=en-CA and enter ONEDAYCAL5 as your PIN code will each be able to print off an admit-2 pass to the Aug 18 screening at Scotiabank Chinook.
By Moe


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Title: Afternoon Swim
Location: Paper Mill Lock
Camera: Canon EOS 7D / 24-105mm EF f/4 L IS USM
Notes: I had a quick walk near Paper Mill Lock this afternoon. The rather unattractive concrete road bridge looked much more appealing in the reflection of the canal – obligingly broken up by the wake from a passing duck.
One Year Ago: Day #818
Two Years Ago: Day #453
Three Years Ago: Day #88
Day #1183
Title: Afternoon Swim
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JFK Website (0)
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Onassis, Jacqueline Kennedy, 1929-1994(66)
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Princess Lee Radziwill of Poland (left), sister of First Lady Jacqueline Kennedy, stands with Krishna Hutheesing, sister of Prime Minister Jawaharlal Nehru of India, at the Prime Minister's residence, Teen Murti Bhavan, in New Delhi, India.
Following her arrival in New Delhi, India, First Lady Jacqueline Kennedy stands at Vijay Chowk watching President of India Dr. Rajendra Prasad's motorcade along Rajpath. Standing with Mrs. Kennedy are her sister, Princess Lee Radziwill of Poland, and United States Ambassador to India, John Kenneth Galbraith.
First Lady Jacqueline Kennedy arrives at Palam Airport in New Delhi, India. Standing in front of carpet, L-R: Indian Ambassador to the United States, B. K. Nehru; Princess Lee Radziwill of Poland, sister of Mrs. Kennedy; two unidentified people in front; Kitty Galbraith, wife of the United States Ambassador to India; Indira Gandhi, daughter of the ...
First Lady Jacqueline Kennedy walks across a courtyard pool at the Chancery of the United States Embassy in New Delhi, India. US Ambassador to India, John Kenneth Galbraith, walks behind Mrs. Kennedy; Kitty Galbraith, wife of the Ambassador, stands along building at left. The First Lady's sister, Princess Lee Radziwill of Poland, stands on circular...
First Lady Jacqueline Kennedy (center) observes a minute of silence after laying a sheaf of roses on the Samadhi of Mohandas Gandhi, "Raj Ghat," in Delhi, India. Chief Commissioner of Delhi, Bhagwan Sahay (left), and Indian Chief of Protocol, S. K. Banerji (right), stand on either side of Mrs. Kennedy. Also pictured: United States Ambassador to Ind...
First Lady Jacqueline Kennedy and President of India Dr. Rajendra Prasad (right) stand in the doorway of Rashtrapati Bhavan, the President's official residence. Mrs. Kennedy's sister, Princess Lee Radziwill of Poland, stands at right. New Delhi, India.
First Lady Jacqueline Kennedy arrives at Palam Airport in New Delhi, India. Standing in front of red carpet, L-R: Indian Ambassador to the United States, B. K. Nehru; Princess Lee Radziwill of Poland (wearing cream-colored suit), sister of Mrs. Kennedy; two unidentified people in front; Kitty Galbraith, wife of the US Ambassador to India; Indira Ga...
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text: The Criminal Justice, Legal Studies, and Homeland Security Program offers the Bachelor of Science in Criminal Justice. Students may choose from three options: (1) Criminal Justice Studies, (2) Paralegal Studies, (3) Homeland Security. These options are also available as minors. The Criminal Justice and Paralegal Studies degrees are offered on both the Tahlequah and Broken Arrow campuses. A selection of courses in the Homeland Security Option is available on line; however, the major is offered in its entirety on the Broken Arrow campus. In addition, a Master of Science in Criminal Justice is available on the Broken Arrow campus.


text:
Priceline: Poised to Push Upward
NEW YORK ( TheStreet) -- Priceline.com (PCLN) has been around since the days of the dot-com bubble. Now a leader in online travel, analysts believe there's plenty more upside from Priceline's current levels.
The company's stock has outperformed rivals such as Travelzoo (TZOO), Expedia (EXPE), and Orbitz (OWW), as priceline continues to expand into its most important markets, Europe and the UK. Shares of priceline are up 58.5% year-to-date, while Travelzoo is off 14.3%, and Orbitz is down 18.35%. Expedia shares have gained 9.26% since the start of the year.
Not long after receiving a $1,000 price target from Piper Jaffray, analysts from Benchmark and Goldman Sachs have raised their price targets on priceline shares.
Benchmark analyst Daniel Kurnos believes the company's cash flows could rise substantially in the second part of 2012, as it increases its operating leverage in emerging markets and the hotel industry continues to show favorable trends. The analyst boosted his earnings per share estimate for 2012 to $32.31, up from $31.30. He also raised his price target from $692 to $840."We see trends in the hotel industry as predominantly favorable, despite ongoing macroeconomic headwinds," Kurnos wrote in his note. "Recent data from Pegasus Solutions showed that booking windows continue to lengthen for leisure and business travel, reaching pre-recession levels globally, supporting our thesis that travel demand should improve modestly in 2012 despite elevated oil prices." He rates priceline shares "buy." Kurnos notes that Booking.com, priceline's booking agent, will continue to be a strong performer, "as we estimate Booking's market share may still only be in the mid-high single digit range, despite significantly outperforming peers in the region."
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Measuring Knowledge Transfer Success by D&M
|Raija Halonen
National University of Ireland Galway, Ireland
|Heli Thomander
University of Oulu, Finland
DeLone & McLean's success model has been actively used since its first introduction in 1992. In this article the model is extended to describe the success of knowledge sharing in an information system that included a part of the knowledge base of a private educational institute. As the supply of private education is increased it is vital to be aware if the offered educational services support the use of the knowledge base and if the service is perceived satisfactory by the customers. In our descriptive qualitative case study we discuss how the D&M model can be used in assessing educational services from the customer's point of view. In the assessment we focus on issues that interested the target organisation.
|Full Text Document:
|Halonen, R., Thomander, H. (2008). "Measuring Knowledge Transfer Success by D&M," National University of Ireland Galway, Ireland . Sprouts: Working Papers on Information Systems, 8(41). http://sprouts.aisnet.org/8-41
|DeLone & McLean success model, knowledge sharing, virtual environment
|Item Type:
|Article - Volume 8 Article 41 (2008)
Repository Staff Only: item control page
Show Tags ~clouditemTags537


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Rab PS Zip Top Fleece - Women'sView Larger Image
Manages your temps as you navigate the terrain.
In high alpine terrain a insulating midlayer like the Rab Women's PS Zip Top Fleece can mean the difference between teeth-chattering chills and toasty warm trekking. Worn over a base layer or directly next to skin, this Polartec top helps wick moisture away from your skin. Long cut arms secure at the cuff using thumb loops and flat seams minimize chaffing while scramble through scree fields on your way to the summit. Pull on this technical, stretchy fleece and take the highroad to fast-and-light mountaineering.


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Wanting to get to know her future son-in-law better, Emily asks Lorelai to invite Luke over for dinner. In order to avoid an argument, Lorelai purposely fails to mention that the wedding has been postponed. Meanwhile, the Yale Daily News staff finally fires Paris and chooses Rory to be the new editor. After a furious Paris kicks Rory out of the apartment, Rory has no idea where to go until Logan convinces her to move into his apartment. When Rory gives Christopher (recurring guest star DAVID SUTCLIFFE) a tour of Yale, he learns of the new living arrangement and tells Lorelai.
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It's possible.Try Sound Music Ministry for your church. This manual will enable and inspire you to be the musician, singer or worship leader you want to be. It is a practical resource designed to help you deal with anything music ministry can throw at you. It can help you build a purposeful, focused team, working with your church as a whole to impact your community through vibrant, passionate music ministry.
I'm Ken Davis and I've been involved in worship and music ministry for 25 years in a variety churches. Big ones, small ones, intellectual ones, charismatic ones and even Anglican (Episcopal) ones! Come to Dapto Anglican on most Sundays and you'll see me at work.
I've led teams, been a team member, and been a solo worship leader with nothing more than a guitar and a bad voice. I've also worked as a consultant helping other churches with their music ministry dilemmas.
In that time I've learned a few things about what works and what doesn't. That's why I wrote Sound Music Ministry. I want you to have the benefit of my experience, and the distilled wisdom of over 200 of my fellow worship leaders and peers.
Sound Music Ministry is a comprehensive music ministry manual with 84 A4 pages of practical information. It answers all the questions that people have asked me in my 25 years of music ministry experience, and will help you to solve everyday problems like:
|Guiding Principles
|12 marks of an effective music ministry introduced. What things REALLY make a difference for churches of ANY size.
|Mission impossible
|Why missionn and strategy are absolutely vital to the effectiveness of your ministry, both to believers and the lost.
|Please don't let me be misunderstood
|What's worship really all about? What's church got to do with it?
|You gotta serve somebody
|What's the number one attitude that EVERYONE in ministry needs to have? What does it mean? How do you develop a servant heart in a selfish world?
|Unless the Lord builds the house
|Rock hard on a solid foundation. What church and ministry are really all about. How to make sure your ministry builds up rather than tears down, or stagnates.
|We work the black seam together
|Moses had Aaron. Jesus had 12 disciples. Paul had Barnabas? Who's on your team? How to make sure you're playing the same game together, while using your individual, God-given strengths.
|Get with the program
|How to involve some of your most creative minds and hearts in creating great services and events.
|Please Mister, please (don't play B17)
|What will we play this week? Should we just let the Spirit lead? How to build a repertoire that inspires, encourages and involves the congregation.
|Blue sky mining
|People are your best resource. Why not look after them?
|I fought the law and the law won
|Walking through the copyright minefield without getting blown to bits. How to obey the spirit and the letter of the law without a copyright attorney.
|Helping congregations sing
|Jesus put a new song in your heart? Then why wont they sing? Overcoming blocks to congregational singing.
|The great musician
|Your prayers have been answered. Your local keyboard wizard just got saved. They've bought their best friend who plays a mean guitar with them. They want to play. What would you do next - it's your call...
These are not quick fix, band-aid solutions. They will help you to take a purposeful and strategic approach. It may take longer, but the result will be a music ministry and church that will last.
I have had the wonderful opportunity to offer real help to hundreds of churches worldwide through my consultancy services, the website www.insideoutmusic.net and the WRITE-On e-zine.
You will learn how to overcome your most pressing resource problems. You will discover how to:
You'll have less headaches and more time to work on the things that bring lasting results.
We understand your need for real, human support, so as a special bonus we offer one week of access to your own personal Ministry Coach. This alone is worth $150.
You'll need to act fast on this, as I have a limit of 50 free spots. This offer will be removed once those spots are filled.
There is no need to be alone. Inside Out are responsive and we will deal with your issues. That's why we offer FREE lifetime updates, including giving you the opportunity to raise any music ministry issues that are not covered in the latest version. How many manuals offer you the opportunity to choose the content?
Sound Music Ministry is designed to help you set a course for your ministry that is 100% in tune with your churches mission to its members and the community. Many senior ministers and pastors view the music team with a degree of suspicion. They are afraid you'll do something weird or wacky. You'll learn how to work them in a way that doesn't stifle your creativity.
What's more, Sound Music Ministry approaches these types of problems from a relational perspective. This means you have the best chance of building a dynamic and unified team who work together for the good of the church.
We believe that God's word gives us everything we need to live a Godly life. So we have taken great pains to ensure that Sound Music Ministry is both theologically sound, but also deeply devotional. We need to know God's truth. But it is empty knowledge unless there is personal transformation.
To help you in your own walk, or to grow a biblically minded team, we also include 5 Bible Studies.
These studies are designed to:
We don't minister to receive appreciation (accept to hear Jesus say "Well done good and faithful servant") but it's nice when it comes.
If you follow the advice in this manual you won't have to sell the house and to go to college. Yet you will learn to confidently handle almost any music ministry situation you encounter.
Only Sound Music Ministry does all this, so we confidently say that it will be your most useful ministry tool next to your Bible.
A manual like this would cost around $40 in the shops but thanks to the technology of the Internet it can be yours for $9.95. But don't forget the special bonuses:
5 Bible studies that have been tried and tested in the churches I have served as a music ministry consultant. VALUE $12.95
Not only that, but you can have FREE lifetime updates, with the opportunity to suggest material for inclusion in such updates! VALUE $40
The first 25 buyers also get one week of telephone or e-mail access to work with Ken to work on one difficult area of your music ministry or your life. VALUE $150
Total Bonus VALUE= $202.95
So you get a package worth $202.95 for only $9.95, with a 100% money back, satisfaction guarantee. There is absolutely no risk.
You might be wondering, "If it's such great value, why is it so cheap?"
I want to get this manual to as many people as possible, and find out what else music ministers want to know. I want Inside Out to produce the best music ministry resources in the world.We're so confident you'll like it when you see it, that we'll let you download a trial copy for free.
You and I both know music ministry can be tough and lonely as we struggle to do a big job with limited resources. Sound Music Ministry can make your ministry easier, more rewarding and not as lonely.
--Rob Smith, songwriter and author of Aussie
worship classic
Behold the Lamb of God
Are you ready to take the next step towards a more effective ministry, and a better life?
I wish I had something like this when starting out, and I guarantee that if it doesn't impact your life and your ministry, you can have your money back, 100%, no questions asked.
Ordering is easy and safe, and if you buy online you'll get instant access to Sound Music Ministry Volume 1 to download to your computer.
Just click the button, and you will be taken to our secure order page. You can use your credit card with PayPal or print and mail an order form.
So don't delay. and we'll also include a bonus E-Book – Using Music Evangelistically valued at $9.95.
But you must act now. This offer is only available for the first 200 customers.
If you want practical, helpful support to be a more effective music minister, then
© Transforming church Worship and music ministry from the Inside Out


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Light Snow
14 of 14
Credit: AP
Robert Champion Sr., left, and his wife, Pam lead a procession into the funeral service for their son, Florida A&M University band member Robert Champion, Wednesday, Nov. 30, 2011 in Decatur, Ga. The 26-year-old was found dead on Nov.19 on a bus parked outside an Orlando, Fla. hotel after the school's football team lost to a rival. Authorities suspect hazing but have not released any further details. (AP Photo/David Goldman)
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Yet, while the markets continue to divide like some out-of-control amoeba, the business world has been slow to grasp the new reality of marketing. Part of the problem is this: Instead of rushing to pick up on the transition in marketing, businesses have been lulled into a mindless game of "follow the boomer."
"The baby boomers have driven everything in marketing since the end of World War II, and every company that has gotten a little out front in terms of anticipating what the boomers are going to buy has prospered enormously," says Geoffrey Meredith, founder and president of Lifestage Matrix Marketing, a strategic planning, consulting and marketing communications company in Lafayette, California.
"The baby boom fooled many people into believing that young adults were a force in the marketplace," says Russell. "And for most people in business today, that's all they've known. They don't understand things have changed. They keep chasing after the younger market, hoping to replay the past, waiting for the new group of young people to change everything the way the boomers did. [But] it's only when the boomers started to move beyond the young adult age that the whole idea of generational marketing emerged."
Generational marketing, which defines consumers not just by age but by social, economic, demographic and psychological factors, can be traced back to about 1980. And though it has yet to be fully tapped, it's already becoming dated as we move on to the next twist: cohort marketing (see "A Closer Look"), which Meredith defines as the study of "people who underwent [the same] experiences during their formative years, forming a bond that leads them to behave differently from others, even when [those] others are closer in age."
The cohort construct, developed in the political science arena in the 1940s to determine people's voting patterns and popularized in sociology during the late 1950s, has until now "been almost entirely ignored as a marketing tool," Meredith says. Unlike generations, which are formed according to birth dates and usually span about 20 or 25 years, cohorts vary in length depending on the historic events that define them. Preferences in music, food and apparel, as well as attitudes toward money and sexuality, are often dictated by what was popular during the cohort's coming-of-age period.
To tread an even narrower path, Meredith considers not only cohorts but also other factors such as life stages, or what people are doing at a particular time in their life (getting married, buying a home, retiring); and physiographics, or physical conditions related to age (menopause, nearsightedness or farsightedness, arthritis). By targeting according to these cohorts, "and talking to markets through subliminal cues that are cohort-related, you can achieve extraordinary responses," Meredith says.
Subtlety is the key, now that most of these cohorts have been hammered with marketing manipulation for years. Meredith points to an effort by Johnson & Johnson to market Affinity shampoo for "over-40 hair," as well as the campaign promoting Campbell's Senior Singles as the "soup for one." Both of these efforts "failed miserably," Meredith says.
On the other hand, Meredith notes the success of a Nabisco Oreo commercial that, to appeal to older adults, chose respected actors from that age group who danced to a tune that was popular in the 1940s. "That way, you target 65-year-olds without explicitly saying, `Hey, 65-year-olds, buy this!' " Meredith says. "If you play big band or swing music, they'll respond."
You can't realistically address marketing without taking into account the boomer market, and you have to also consider that 4 million of them are going to be 50 this year. But whatever you do, don't mention the term "senior market" to them.
"There are very few businesses that are attuned to the generational opportunities because they're assuming the boomers are going to be like their parents were," says Russell. "And that's a big mistake because boomer lifestyles and attitudes are very different. They created the youth market 30 years ago, and they're still the youth market now that they're in their 40s and 50s. They're just as hedonistic, impulsive and self-centered as they've always been."
"Boomers like rock 'n' roll," Meredith says. "They liked it when they were 18, they like it now that they're 50, and they will like the Rolling Stones when they're 75."
Actually, boomers are "dead set against being anything like their parents," says Phil Goodman, founder of the Boomer Marketing & Research Center in San Diego and author of The Boomer Marketing Revolution (Boomer Marketing & Research Center). "They've taken that theme with them throughout all their life cycles, and they're not going to change when they're 50. If you're dealing with a 50-year-old boomer, you're dealing with a person who doesn't see himself as 50 years old."
So, in response to the hoopla over the boomers turning 50, Goodman spouts, "Who cares? People are waiting for boomers to change. They can wait until hell freezes over--boomers are never going to change. Fifty-year-olds today don't resemble 50-year-olds from 10 to 15 years ago. And if they don't resemble them, if they don't act like them, why would you market to them that way?"
Like this article? Get this issue right now on iPad, Nook or Kindle Fire.
This article was originally published in the October 1996 print edition of Entrepreneur with the headline: Direct Hit.


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In the News
How to Help Employees Help Grow
Your Business
In his latest regular column for Smart Business Chicago, the Adler School's Jay Colker, D.M., M.B.A., M.A., outlines how business leaders can train and empower their employees to collectively make decisions that drive results. Dr. Colker is Core Faculty in the School's M.A. in Counseling and Organizational Psychology Program.
Click here to read "How to help your employees help you grow your business."
About the Adler School
The Adler School of Professional Psychology has provided quality education through a scholar/practitioner model for 60 years. Its mission is to continue the pioneering work of Alfred Adler by graduating socially responsible practitioners, engaging communities, and advancing social justice. The Adler School enrolls more than 1,000 students in doctoral and master's degree programs and offerings at its campuses in Chicago, Illinois, and Vancouver, British Columbia, and through Adler Online.
Kim McCullough
Director of Communications
Adler School of Professional Psychology
312-662-4124 or via email


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Monday in photosFeb. 18: A dinosaur on London's city streets, fireworks over Kosovo, royals on skies
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British Prime Minister David Cameron, center, arrives to pay tribute at the Police Memorial in Mumbai, India, Monday, Feb. 18, 2013. Cameron called on India to further open up to foreign investment and loosen regulations that hamper businesses, saying Monday that the countries' "special relationship" could blossom into a powerful economic partnership. (AP Photo/Rajanish Kakade)
Photo by Rajanish Kakade
Photo by Rajanish Kakade
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Edgemont Cemetery in Edgemont, Fall River, South Dakota, Where my Great- Grandfather Martin Richard Peters is buried. He was born 22 October 1878 in Barton, Washington, Wisconsin and died on 19 September 1974 in Edgemont, Fall River, South Dakota. He worked for the Railroad.
Tuesday, June 14, 2011
Tombstone Tuesday
Posted by Gwen Kubberness at 3:57 PM
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Tagged: Madonna (Entertainer)
Madonna says plans for a new album are "in the works," but won't reveal who she will be collaborating with. The Material Girl…› More
The hottest names in the music industry flocked to Los Angeles on Sunday night for the 56th Annual Grammy Awards. It was an…› More
By Mesfin Fekadu LOS ANGELES — Macklemore believes Kendrick Lamar deserves the best rap album Grammy, but if he and his…› More
In case you didn't hear, One Direction has survived the Toronto flood and will be performing tonight and tomorrow at…› More
By Mesfin Fekadu NEW YORK — Madonna said there were days when she was exhausted during her recent "MDNA"…› More
By Raphael Tenthani KASUNGU, Malawi — Schoolchildren joined by hundreds of villagers danced around pop diva Madonna and…› More
NEW YORK — Wearing a replica of one of the organization's uniforms, Madonna called on the Boy Scouts to lift its…› More
If, in the last few hours, you've seen a photo of a woman puffing on a blunt the size of your thumb — a woman who…› More
He didn't paint the phrase "Soy Bomb" on his abdomen, he didn't tackle anyone and he didn't…› More


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that's what I really needed
15 March 2012
On Tuesday I ran into a past client while in line at a local bakery/café. She gave me a hug; it was a great visit. The few months prior had several frustrating and disappointing events take place that can drain an architect quickly. However, this brief visit was one that began to energize me again. It's really refreshing to hear how over six years later my clients still love their home and are so admiring of my work. In fact my client had her mother with her and she was very gracious with her words as well. Positive statements and compliments flowed sincerely. It was timely. We conversed for a while and we were off on our separate ways.
Am I that fragile? Is this a weakness that architects have? This is a business you know, easy-come-easy-go right? Call it what you will, but despite the business side of this profession, we're still creative people who give up a part of ourselves. After seeing projects go on hold, have clients go to their wife's interior design friend for selections that you've already made, hear complaints about things that are not your fault, and have people only want a cheap set of drawings (quickly I might add), being paid is not enough. Mock, but it's an architect thing.
My heartfelt thanks go out to my past client (and friend). It is what I really needed.
7 Responses to "that's what I really needed"
15 March 2012 at 6:26 AM
Great story.
Last May I took advantage of one of those spectacular days we get that time of year with brilliant blue skies and azalea's all abloom to photograph some past projects.
I was in a neighborhood where 25 years ago I did all the land planning as well as the house designs and fell into a conversation with an owner telling me how visitors always comment about how really nice and well scaled the neighborhood feels. It was kinda cool!
15 March 2012 at 8:45 AM
When you're finished with the architectural profession I would offer that you hang out your shingle as a psychiatrist. Or sooth-sayer.
Your comments struck a strong cord with me, and I have no doubt, and with anyone in our occupation. I too have had 'that' client whom I meet by chance. Those brief encounters are priceless and reaffirm my reason for being in this business as they obviously have done for you.
I look forward to your future observations.
15 March 2012 at 10:18 AM
I can recommend a good one.
15 March 2012 at 11:41 AM
Living in a small town, I am familiar with that feeling
It's an even better end result than a cool building.


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Thank you for including the columns by Jim Hoffman!
It is refreshing to read someone who isn't afraid to write facts. Read the response by Robin Brown (development director for the Avalon Cornerstone Project) regarding the Avalon Theatre (Oct. 5, Free Press). Jim's column (Sept. 28) generated feedback.
Don't understand why Jim hasn't been run out of town by the entrenched establishment. Surely they must have noticed. Maybe they think he is just a voice crying in the wilderness.
Keep crying, Jim! A lot of us appreciate it.
Jim and Thelma Humphrey


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Tablet. Hotels for Global Nomads
Travel Better.
The Lobkowicz Collection, Prague Castle
Jiřská 3
50.091523 14.403926
Keywords: Art Gallery See all and suggest more
1 Reviews
First reviewed by Peter
This is an outstanding collection and one of the highlights of my visit to prague. While it is part of the Castle, the Collection is in fact a private collection, accessible only by a separate entrance fee. This is well worth it - there is a superior audio guide to this mor outstanding collection and a very pleasant lunch is served on the outdoor terrace overlooking the city. It also seems to be completely off the tour guide itinerary, which, in Prague, is also another very good reason to visit. Visit http://www.lobkowicz.cz/Collections-3.htm for more info.
0 people found these commends helpful.


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Feeling the pressure of national compliance standards? When you need to know your data is being hosted in a secure and compliant data center, Online Tech can deliver.
Our Michigan data centers are SAS 70 Type II, SSAE 16 (SOC 1) and SOC 2 audited – meaning we've undergone extensive audits and testing to verify not only that our infrastructure is compliant, but that we also uphold the highest standard of operational excellence with physical, environmental and operational controls in place.
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Environmental control is established by our 24x7 surveillance, monitoring and alarm system, including fire detection. An automated issue tracking system can pinpoint breaches by recording, managing and tracking any security issue.
Network Security
Our Cisco network infrastructure provides network security with redundant routers, switches and paired universal threat management devices, providing up to the most secure level of firewalls to meet PCI and HIPAA compliance standards.
Our Virtual Private Firewall and Dedicated Firewall include Intrusion Detection Service (IDS) to target any attempts at network or system intrusions. The system can trigger alerts to ensure our team responds to any possible issues. The firewalls also include Intrusion Prevention Service (IPS) that attempts to block any possible intrusions detected by the IDS.
Ideal Infrastructure
Our Michigan data centers are interconnected by Gigabit fiber and located 52 miles apart with fully redundant power and multiple Internet Service Providers (ISPs). With redundant networks and automatic failover, your servers are guaranteed 100% uptime to ensure your critical data and applications are always secure and always available.


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The AD9868 is a mixed-signal front-end (MxFE®) IC for transceiver applications requiring Tx path and Rx path functionality with data rates up to 80 MSPS. A lower cost, pin-compatible version of the AD9865, the AD9868 removes the current amplifier (IAMP) IOUTP functionality and limits the PLL VCO operating range of 80 MHz to 200 MHz.
The part is well-suited for half- and full-duplex applications. The digital interface is extremely flexible, allowing simple interfacing to digital back ends that support half- or full-duplex data transfers, often allowing the AD9868 to replace discrete ADC and DAC solutions. Power-saving modes include the ability to reduce power consumption of individual functional blocks or power down unused blocks in half-duplex applications. A serial port interface (SPI) allows software programming of the various functional blocks. An on-chip PLL clock multiplier and synthesizer provide all the required internal clocks, as well as two external clocks, from a single crystal or clock source.
The Tx signal path consists of a 2x/4x low-pass interpolation filter, a 10-bit TxDAC, and a line driver. The transmit path signal bandwidth can be as high as 34 MHz at an input data rate of 80 MSPS. The TxDAC provides differential current outputs that can be steered directly to an external load or to an internal low distortion current amplifier (IAMP) capable of delivering 17 dBm peak signal power. Tx power can be digitally controlled over a 19.5 dB range in 0.5 dB steps.
The receive path consists of a programmable amplifier (RxPGA), a tunable low-pass filter (LPF), and a 10-bit ADC. The low noise RxPGA has a programmable gain range of −12 dB to +48 dB in 1 dB steps. Its input referred noise is less than 3 nV/√Hz for gain settings beyond 36 dB. The receive path LPF cutoff frequency can be set over a 15 MHz to 35 MHz range or it can be simply bypassed. The 10-bit ADC achieves excellent dynamic performance up to an 80 MSPS span. Both the RxPGA and the ADC offer scalable power consumption allowing power/performance optimization.
The AD9868 provides a highly integrated solution for many broadband modems. It is available in a space-saving package, a 16-lead LFCSP, and is specified over the commercial temperature range (−40°C to +85°C).
For evaluation of all Analog Devices High Speed DAC components you will need to purchase or loan a Data Pattern Generator. To find out more information please click here.
|Content Type
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|AD9868: Broadband Modem Mixed-Signal Front End Data Sheet (Rev 0, 05/2007) (pdf, 830 kB)
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Symbols and Footprints— Analog Devices offers Symbols & Footprints which are compatible with a large set of today's CAD systems for broader and easier support.


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|Home | Contact DMR | Forms | Maps | Online Services | Other links | DMR Intranet
DMR Home > Aquaculture > Lease Inventory > York County
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Select the aquaculture site you are interested in. This will open a detailed PDF file, which requires Adobe Acrobat or the free Adobe Reader (download here) to view.
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The Georgetown 270S motor home by Forest River offers a single slide.Stepping inside the motor home, to the left there is a three burner range, microwave, and double kitchen sink. The slide is on the opposite side of the motor home. On the slide you will find a u-dinette, refrigerator, pantry, and large dresser.In the bathroom there is a sink, toilet, and corner shower.The rear bedroom offers a king bed with shirt closets on either side of the bed. In the corner of the room you will find a TV.There are plenty of overhead cabinets throughout the motor home, so storage is not a problem.
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Book your room at Residence Inn by Marriott Montreal Westmount
Studio, 1 Double BedMax Occupancy: 2 guests (up to 1 child, 1 infant)
Studio, 1 Queen BedMax Occupancy: 2 guests (up to 1 child, 1 infant)
Suite, 1 BedroomMax Occupancy: 4 guests (up to 3 children, 3 infants)
Suite, 1 BedroomMax Occupancy: 4 guests (up to 3 children, 3 infants)
Suite, 2 BedroomsMax Occupancy: 6 guests (up to 5 children, 5 infants)
Montreal aparthotel with complimentary buffet breakfast
With a stay at Residence Inn by Marriott Montreal Westmount, you'll be centrally located in Montreal, steps from Grand Seminary of Montreal and minutes from Montreal International Language Centre.
This eco-friendly aparthotel is close to Saint Joseph's Oratory and Notre Dame Basilica.
Make yourself at home in one of the 219 guestrooms, featuring kitchenettes with refrigerators and stovetops. Rooms have private balconies. Flat-screen televisions with cable programming provide entertainment, while complimentary wireless Internet access keeps you connected. Conveniences include phones, as well as complimentary newspapers and microwaves.
Enjoy a range of recreational amenities, including an indoor pool, a sauna, and a fitness center. This Art Deco aparthotel also features complimentary wireless Internet access, concierge services, and babysitting/childcare (surcharge).
Meet other guests and eat at a complimentary reception. A complimentary buffet breakfast is included.
Featured amenities include a 24-hour business center, express check-out, and complimentary newspapers in the lobby. Planning an event in Montreal? This aparthotel has facilities measuring 549 square feet (49 square meters), including meeting rooms. Self parking (subject to charges) is available onsite.Information missing or incorrect? Tell us!
Renovations & Closures
- Swimming pool
At your hotel
At your hotel
The smoke-free Residence Inn by Marriott Montreal Westmount features an indoor pool, fitness facility, and a 24-hour business center. Wireless Internet access is complimentary. The aparthotel provides a complimentary buffet breakfast each morning and receptions in the evenings with light dinner. Newspapers and coffee are complimentary in the lobby, which has a fireplace. Laundry facilities are on site, and dry cleaning is available. Garage parking is available for a daily fee.
- 24-hour business center
- Conference space size (feet) - 549
- Babysitting or childcare (surcharge)
- Free Wi-Fi
- Conference space size (meters) - 49
- Meeting rooms
- Total number of rooms - 219
- Number of buildings/towers - 1
- 24-hour front desk
- Free breakfast
- Concierge services
- Coffee/tea in lobby
- Complimentary newspapers in lobby
- Fireplace in lobby
- Dry cleaning/laundry service
- Elevator/lift
- Express check-out
- Fitness facilities
- Laundry facilities
- Multilingual staff
- Number of floors - 20
- Safe-deposit box at front desk
- Self parking (surcharge)
- Sauna
- Smoke-free property
- Indoor pool
- Number of meeting rooms - 2
- Complimentary reception
Stay connected
Available in all rooms: Free Wi-Fi
Available in some public areas: Free Wi-Fi
Park your car
Self parking (surcharge)
In your room
- Free Wi-Fi
- Pillow menu
- Cribs/infant beds (complimentary)
- Flat-panel TV
- Sofa bed
- Pay movies
- Balcony
- Climate control
- Complimentary newspaper
- Refrigerator
- Coffee/tea maker
- Microwave
- Complimentary toiletries
- Hair dryer
- Iron/ironing board
- Phone
- Kitchenette
- Daily housekeeping
- Cookware, dishware, and utensils
- Dishwasher
- Stovetop
- Cable TV service
Eat and drink
Buffet breakfast is complimentary and served each morning at this Montreal hotel. Residence Inn by Marriott Montreal Westmount also provides a complimentary evening reception with light dinner.
Residence Inn by Marriott Montreal Westmount offers fitness equipment. Towels are provided by the indoor pool.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
- Downhill skiing nearby
- Cross-country skiing nearby
- Snowboarding nearby
- Snowmobiling nearby
- Snowshoeing nearby
- Rafting nearby
- Hiking/biking trails nearby
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible path of travel
- Accessible bathroom
- Accessible parking
- In-room accessibility
The fine print for Residence Inn by Marriott Montreal Westmount
When you arrive
Minimum check-in age is 18
Check-in time starts at 3 PM
When you leave
Check-out time is noon
How you can pay
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No rollaway/extra beds available
Parking height restrictions apply
No pets or service animals allowed
- Self parking fee: CAD 20.00 per day (in/out privileges)
We should mention
No pets and no service animals are allowed at this property.


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Book your room at Petite Auberge
We are unable to search for rooms at this time. Please try again in a few minutes.
French country style on San Francisco's Nob Hill
Near top of Nob Hill
This downtown San Francisco boutique hotel is tucked away from a busy street, a block from the Powell Street Cable Car line and four blocks from shopping at San Francisco's Union Square.
Daily wine tasting
A complimentary breakfast is served in a country-style kitchen, while in the evening, guests of Petite Auberge enjoy wine and hors d'oeuvres in the fireside parlor, and fresh cookies are available in the afternoons.
French country decor
Guestrooms at Petite Auberge feature French Provincial-style furniture, floral fabrics, antique desks, armoires, bathrobes, and designer toiletries. Complimentary wireless Internet access is available.Information missing or incorrect? Tell us!
At your hotel
At your hotel
Petite Auberge offers a complimentary breakfast buffet, evening wine and hors d'oeuvres, tea and coffee service from morning until night, same-day laundry service, concierge, and a constantly stocked cookie jar.
Guests have complimentary use of the small fitness room (including a stationary bike and a treadmill) at the hotel's companion property, the White Swan Inn, located next door.
- Concierge services
- Free breakfast
- Complimentary newspapers in lobby
- Porter/bellhop
- Total number of rooms - 26
- Dry cleaning/laundry service
- Garden
- Valet parking (surcharge)
- Number of floors - 5
- Luggage storage
- Number of buildings/towers - 1
- Coffee/tea in lobby
- Elevator/lift
- Front desk (limited hours)
- Tours/ticket assistance
- Free Wi-Fi
- Multilingual staff
- Safe-deposit box at front desk
- Smoke-free property
Stay connected
Available in all rooms: Free Wi-Fi
Available in some public areas: Free Wi-Fi
Park your car
Valet parking (surcharge)
In your room
- Daily housekeeping
- Private bathroom
- Designer toiletries
- Bathrobes
- Hair dryer
- Iron/ironing board (on request)
- Cable TV service
- Cribs/infant beds available
- Rollaway/extra beds available
- Free Wi-Fi
Eat and drink
Guests of the hotel enjoy a complimentary buffet breakfast each morning.
Petite Auberge does not have its own restaurant, but there are numerous dining options within the surrounding downtown San Francisco area.
Nearby restaurants include:
Grand Cafe
- Bicycle rentals nearby
- Segway rental/tour nearby
- Boat tours nearby
The fine print for Petite Auberge
When you arrive
Minimum check-in age is 18
Check-in time starts at 3 PM
Special check-in instructions:
Special Instructions: If you arrive at the property after hours, you'll need to check in at an alternate location: White Swan Inn, 845 Bush
When you leave
Check-out time is noon
How you can pay
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- The name on the credit card used at check-in to pay for incidentals must be the primary name on the guestroom reservation.
No rollaway/extra beds available
Noise-free rooms not guaranteed
- Valet parking fee: USD 36 per day (in/out privileges)
We should mention
Children 5 years old and younger stay free when occupying the parent or guardian's room, using existing bedding.


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Preventive Cardiology: Statins
Medication (Name): Statins
Common Names
- Lovastatin (Altoprev, Mevacor)
- Simvastatin (Zocor)
- Pravastatin (Pravachol)
- Fluvastatin (Lescol)
- Atorvastatin (Lipitor)
- Rosuvastatin (Crestor)
Current Uses
Statins may be prescribed if you have:
- High total cholesterol
- High LDL ("bad") cholesterol
- Low HDL ("good") cholesterol
- High triglyceride levels
- Coronary artery disease
If you already have cardiovascular disease, your doctor may recommend statins to reduce your risk of having a heart attack or stroke. Some people may benefit from a statin even if they have no history of cardiovascular disease but are at high risk.
Mechanism for How It Works
HMG-CoA reductase is an enzyme that helps your body make cholesterol. Statins help to block this enzyme, which in turn causes your body to make less cholesterol. When you make less cholesterol, your liver makes more LDL receptors, which attract LDL particles in the blood. This reduces the amount of LDL ("bad") cholesterol in your bloodstream. Lower LDL cholesterol levels also tend to lead to lower levels of triglycerides and higher HDL ("good") cholesterol levels in the blood. Statins have anti-inflammatory effects on blood vessels which help reduce the formation of fatty plaque on blood vessel walls.
Side Effects
Drug Interactions
Statins can interact with many medicines. Below are some examples. But, you should talk to your doctor and pharmacist about the specific medicines that you are taking.
- Cyclosporine (eg, Gengraf)
- Erythromycin (eg, Erythrocin)
- Gemfibrozil (eg, Lopid)
- Nefazodone (eg, Serzone)
- Verapamil (eg, Calan)
- Digoxin (eg, Lanoxin)
- Protease inhibitors to treat HIV, such as indinavir (eg, Crixivan), nelfinavir (eg, Viracept), ritonavir (eg, Norvir), saquinavir (eg, Invirase)
Other Interactions
Statins can interact with certain foods, herbs, and supplements. Here are examples of potential interactions:
- Grapefruit juice —increases the absorption of most statins, allowing potentially excessive levels to build up in the bloodstream
- Chaparral, comfrey, and coltsfoot—may increase the risk of liver problems
- St. John's wort—may decrease blood levels of some statins
- Vitamin B3— possibly increases the risk of developing a potentially fatal condition called rhabdomyolysis
- Red yeast rice—contains a mixture of statins and should not be combined with statin drugs
If you would like to take herbs or supplements while taking a statin, check with your doctor first.
Other Potential Concerns
These conditions can affect how your body uses statins:
- Allergy or intolerance to statins or allergies to other substances, including food
- Obesity—can make statins less effective
- Positive changes in diet and exercise—may need a lower dose
If you have any of the following conditions, tell your doctor before you are prescribed statins:
- Alcohol abuse
- Liver disease
- Organ transplant and take medicine to prevent transplant rejection
- Recent major surgery
- Pregnant or breastfeeding—Statins are not recommended in pregnant or nursing women.
Common Side Effects
More common side effects include:
- Gas
- Upset stomach
- Abdominal pain
- Diarrhea
- Constipation
- Headache
- Flu-like symptoms
- Fatigue
- Muscle pain
- Skin rash
Less Common Side Effects
Less common, but more serious side effects include:
- Liver problems
- Myopathy (muscle weakness)
- Rhabdomyolysis
- Kidney failure
- Memory problems and confusion
- Increased blood sugar levels
- Take only the amount of statin ordered by your doctor.
- Do not stop taking this medicine without first checking with your doctor.
- Tell your doctor or dentist about taking this medicine before having any kind of surgery, dental procedure, or emergency treatment.
Last reviewed December 2012 by Brian Randall, MD
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.


text: I haven´t spoken English for a long time and I am fully aware there are a lot of mistakes I make, so I want to improve my English to be able to communicate without any problems. Moreover, I plan to take CAE or CPE exam in August/September 2014. Good luck! 15 months ago


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All mainstream foster carers receive a regular weekly allowance and some receive specific allowances and/or additional allowances. The regular weekly allowance is to provide for the average family cost (by age) of fully caring for a child.
There are further allowances for birthdays and annual festivals which are available to cover some of the extra costs associated with these occasions.
Additional allowances are paid to cover specific activities or where the costs are not covered by the regular allowance.
Our fostering scheme gives carers the opportunity to develop their skills and be recognised for doing so. The levels allowances scheme is set out in four levels that reflect the experience, training and skills of foster carers.
The level allowances are for the foster carer(s) themselves, providing them with the opportunity for training and achievement, as recognition of their experience, knowledge and skills and by way of developing foster care for children and young people.
Each new level pays an allowance which is in addition to the basic fostering allowance for each child or young person living in the foster home.
All newly approved carers go on to this level for the first year of their fostering 'career'. Carers who look after a child who is related to them will remain on this level.
After a year at level one and on completion of the National Fostering Standards training, foster carers can be assessed for level two.
Carers on level two receive an additional £21.75 per child, per week.
Level three requires carers to have:
a year's experience at level two
had a child or young person in placement for 9 months from level two approval
undertaken and evidenced 20 hours of learning and training in the last year
Carers on level three receive an additional £43.50 per child, per week.
After a further two years' experience at level three, in addition to training, carers can work with their supervising fostering worker to be assessed for level four.
Carers on level four receive an additional £106 per child, per week.
The extra levels allowances have no effect on any benefits at all. As for income tax, £30 per child per week is wholly exempt.
With emailme you can receive regular updates about council services and events straight into your inbox.
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Check out our comprehensive directory of Pendalofos hotels with quality, independent reviews. Search for a Pendalofos hotel by name, star rating, or user rating. Travel Library always lists the real direct contact details for every hotel in Pendalofos including email, Web site address, telephone and location address.
Travel Library allows you to easily contact hotels in Pendalofos directly and compare their prices with online offers.


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Read about the symptoms of testicular cancer
Get information on further tests used to discover the size and position of cancer of the testes, and whether or not it has spread
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Find out about tumour markers for testicular cancer
For answers, support or just a chat, call the Macmillan Support Line free (Monday to Friday, 9am-8pm).
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- Home
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- Remodel |
- Cabinets |
- Countertops |
- Backsplash |
- Sinks & Faucets |
- Flooring |
- Appliances |
- Lighting |
- Storage |
- Hardware
- Bathroom
- Remodel |
- Vanity & Top |
- Sinks & Faucets |
- Tubs & Showers |
- Toilets |
- Flooring |
- Lighting |
- Vent Fans |
- Accessories
- Other Rooms
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- Garage |
- Closet |
- Laundry Room |
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- Bedroom
- Lawn & Garden
- Deck & Patio
- Repair & Install
- Exterior
- Interior
- Videos
How to Remove and Replace Rotten Particle Board SubflooringBy: Danny Lipford
When replacing the flooring in our house, we found rotten spots and bubbles in the particle board subfloor. How do we repair the damage before the new flooring goes down? -Lisa
Hi Lisa,
Particle board is easily damaged by moisture and water, making it a poor choice for subflooring. Unfortunately, that hasn't stopped it from being used. The only way to repair deteriorated or rotten particle board subflooring is to remove the damaged areas. Here's how to go about it.
To remove damaged sections of particle board subflooring:
- Safety: Wear an approved respirator or dust mask, safety glasses, and earphones or earplugs before cutting into a particle board subfloor; and close or cover doorways and HVAC ducts to contain dust. Particle board is often made with formaldehyde glue, and cutting it generates a lot of fine dust, so it's important to protect your lungs. Safety glasses are important, too, since you may hit unseen nails while cutting through the subfloor.
- Locate Floor Joists: Determine the location of the floor joists using a stud finder or by the seams in the existing subfloor.
- Mark for Cutting: Use a chalk line to mark the area to be removed, making sure the end cuts are centered over floor joists.
- Cut Damaged Subfloor: Set a circular saw to the proper depth, so it cuts just through the thickness of the particle board, and make the cuts.
- Remove Damaged Subfloor: Use a flat pry bar to remove the damaged particle board. Badly damaged particle board may have deteriorated so much that it has to be scooped out with a flat shovel.
- Remove Nails: Pull out any remaining nails in the area where the particle board has been removed.
- Cut New Subfloor: Mark a piece of plywood, that's the same thickness as the particle board, to the correct size using a chalk line or straight edge; then cut it to size.
- Attach New Subfloor: Attach the new plywood subflooring to the floor joists with construction adhesive and screws.
If your time and budget allow, I would remove all the particle board subflooring and replace it with plywood. But if you feel the undamaged particle board will remain in good condition, you would only have to tear out the areas that need replacing.
If you're installing tile, put a layer of cement backer board on top of the subfloor, or use a waterproof underlayment membrane, so the tile will adhere properly.
Good luck with your project,
Further Information
- How to Patch a Hole in a Wood Floor from a Furnace Grate (video)
- Installing Tile Over a Wood Subfloor (article)
- How to Level a Subfloor (video)
- Installing Cement Backer Board on a Wood Subfloor Before Tiling (video)
Please Leave a Comment
4 Comments on "How to Remove and Replace Rotten Particle Board Subflooring"
You can follow comments to this article by subscribing to the RSS news feed with your favorite feed reader.
Michelle Mitcham Says:
April 30th, 2012 at 2:43 pm
Thanks Danny–this was an excellent article, and just the kind of information I was looking for. I bought a late 50′s house that had a large room addition along one whole end of the house. Unfortunately, they cheaply used particle board for the addition. Of course, between dogs and grandkids, I have several 'humps' in the floor under the carpet. I will look for you about my squeaky old solid oak flooring in the rest of the house too.
Excellent advice–Thanks again!
Patrick M. Says:
May 4th, 2013 at 2:19 am
We have particle sub-flooring in our home that was not properly installed to prevent moisture damage. As a result 10 years later, we have rotten spots and warped spots all over the house and is delaying installing vinyl hardwood like plank flooring.
Because our budget will not permit replacing the entire sub-flooring in the house and installing beautiful vinyl flooring that looks like hardwood, is there an effective and cheaper way to replace the rotten spots seal the warped spots and prevent the rest of the subflooring from moisture damage so that we can install our flooring. Please HELLLPPP!!!!
Patrick M.
Bart Says:
July 25th, 2013 at 7:10 pm
Patrick.. Particle board is like a sponge to any moisture. I've got the same problem.. slowly replacing each room.. 1 room at a time, but also working on the vapor barrier system under the house. "under house ventilation and moisture barrier" -that's the dirty work. The only way to really fix it.. tear up the old flooring and replace it with Good Wood. I don't recommend throwing ply on top of it. Under your house you should also have a Vapor barrier to protect the sub-flooring from moisture which rises from the ground up, incorporated with flooring insulation system. If not.. that will slowly destroy any sub-flooring system.
Evelyn Bobo Says:
January 2nd, 2014 at 10:44 am
Is there anything special we should do to replace the bathroom floor that is rotten? Do you consider this a DIY project or should we hire a contractor?
We want to hear from you! In addition to posting comments on articles and videos, you can also send your comments and questions to us on our contact page or at (800) 946-4420. While we can't answer them all, we may use your question on our Today's Homeowner radio or TV show, or online at todayshomeowner.com.


text: With their auspicious 2002 debut, the Used got a leg up on the competition in the alt-rock charisma sweepstakes, thanks to spastic frontman Bert McCracken. He lets his freak flag fly even higher on their new studio album, In Love and Death, which is both artier and more accessible. It's also less consistent, but the band still excels at balancing rage (''Take It Away'') and romance (''I Caught Fire''). These days, punk is for lovers -- and the Used are among its leading men.


text:
How Do You Say Hipster in "Navajo"?
| Posted 03.06.2012 | Canada
Read More: Navajo Nation, Urban Outfitters Lawsuit, Navajo Urban, Urban Outfitter Navajo, Urban Navajo, Lawsuit Urban Outfitters, Navajo Urban Outfitters, Canada News
A recent lawsuit was launched by the Navajo Nation against clothing giant Urban Outfitters for using its name to brand products. The Navajo Nation wants to ensure that consumers are not associating the term "Navajo" with "random south-west inspired hipster fashion."


text:
NYC College Hoops Scene: Your January Update
How's everybody doing?
Skip to content, or skip to search.
Skip to content, or skip to search.
How's everybody doing?
Half of the NEC teams remaining are from NYC.
Three NYC teams will host games tonight.
The best hoops team in town is in Staten Island.
College basketball is starting, you guys!
The NEC tournament kicks off tonight.
A look at the NYC college hoops teams so far.
A look at the NYC college hoops teams so far.
Our exhaustive look at every NYC-area hoops team.
The coaching carousel goes 'round and 'round.
A look at the women's side of the NCAA Tournament picture.
Our tour continues in Staten Island.
The NYC College Hoops Tour hits Staten Island.
A rundown of every NYC team's NCAA tournament hopes.
Who around these parts is gonna make the NCAA Tournament?
College basketball season is starting!


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Metallica performs as Mariano Rivera says goodbye at Yankee Stadium
BY HOWARD MEGDALL USA Today Sports September 22, 2013 6:30PM
Article Extras
Updated: September 22, 2013 6:37PM
NEW YORK -- Throughout the day at Yankee Stadium dedicated to honoring Mariano Rivera, current and former teammates and managers alike kept pointing out how such a personal celebration ran counter to the way Rivera conducted himself.
"Every single year, if anybody had a chance to admire what they'd done, he'd be one of those guys," Rivera's manager for 12 years, Joe Torre, said of Rivera on Sunday. "Because it wasn't time to stop doing."
But that time is almost here, not because Rivera has seen his performance dip, even at 43 years old, but because Rivera himself is ending his career.
So everyone did what Rivera would not do himself: a sellout crowd, Rivera's past and present teammates and other baseball legends showered him with plaudits and, naturally, commemorative gifts to honor the greatest closer in baseball history, in a 51-minute ceremony prior to the Giants' 3-2 win over the Yankees.
And by the end, Rivera honored his career by attempting to save the Yankees one more time, though offensive and defensive failures kept him from doing so. Still, the day, which included a retiring of Rivera's number before the Yankee great's career even ended, followed by a vintage Rivera performance that would have continued into a third inning had the Yankees tied the game in the ninth, served as a tribute to his career.
"I mean, while I'm still playing, I'm retired already," Rivera said, chuckling, following the game. "But it was good. I guess there's always a first time."
Fans repeatedly broke into "Mariano" chants as teammates like Bernie Williams, Jorge Posada and dignataries including Jackie Robinson's wife Rachel came together to retire Rivera's number 42.
Even Metallica, whose "Enter Sandman" became the iconic entrance music for Rivera, was on hand to play a live version as Rivera slowly walked in from the bullpen, bathed in cheers, as his former teammates sat in chairs around the Yankee Stadium mound.
After Rivera kissed his wife, Clara, and hugged his three children, the onslaught of presents began: a painting and a custom-built guitar signed by Willie Mays from the Giants. A custom-built speaker cabinet from Metallica to Rivera. A $100,000 check from the Yankees to the Mariano Rivera Foundation, not to mention a custom-built rocking chair, presented by Derek Jeter and Girardi. Rivera, a good sport, took it for a spin. Then, a replica of his retired number, and a Waterford Crystal replica of his mitt.
Rivera, fighting back tears, thanked God, his family, and his teammates first. "To my teammates, past and present, I appreciate you guys," Rivera told the Yankee Stadium crowd. "The lord has blessed me with a big family, and all of these men have been part of this family."
Rivera concluded his speech simply: "So let's play ball, man, we gotta go. So I love you guys! Thank you!"
A few hours later, he was back, with the Yankees trailing, 2-1 in the eighth inning. He'd already pitched four multi-inning relief appearances in September, still managing to post a 2.13 ERA this month despite his advanced age.
"I think it just tells you who he is," Girardi, now 48 and retired for a decade, said prior to the game. "He does everything he possibly can to be successful. He prepares himself physically, mentally. To be able to do that at 43 is mind-boggling to me. I really believe that in our lifetime, I don't know that we'll be able to say that about another pitcher."
New Yankee Stadium roared in late September for Rivera the way its old counterpart so often did in October, Rivera striking out Ehire Adrianza, who'd homered earlier, and inducing a soft fly out from Angel Pagan to end the eighth, stranding a runner in the process. After Juan Perez singled and Brandon Belt reached on a tailor-made double-play ball, Rivera didn't yield, breaking Buster Posey's bat, and inducing a double play from Hunter Pence.
Effectively, Rivera got seven outs. Had the Yankees rallied in the ninth, they'd have asked for another three.
"I want to win the game," Rivera said. "And yes, I was coming ⅛back⅜ out if we tied the game. At that time, you don't think about it. ... I was ready for that. Unfortunately, it didn't happen."
Still, on a day to celebrate Rivera, his dominance was an appropriate capstone.
"Where does he stand?" Torre asked of Rivera, rhetorically. "There's nobody, I don't care what era you're talking about, there's nobody who's ever going to do what he's done as a closer. He's top of the game, as far as his position. He's an athlete. He's about as close to a regular player as you're going to find, coming out of the bullpen."


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Ian McEwan is a novelist and screenwriter. He has won many awards for his work, being shortlisted for the Man Booker Prize for Fiction numerous times and winning the award for Amsterdam in 1998. He was awarded a CBE in 2000. His most recent novel is Solar.
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