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01 12 2014
Business Finance Junction – December 2014
The Bank of England stress test results on the British banking system are being issued December 16, alongside its half-yearly financial stability report. The tests focus on the housing market and the Bank's 'adverse scenario' which has a correction factored in.
Tenancy checks for private landlords in the West Midlands are liable for a 'Civil Penalty' of up to £3,000 if a residential tenancy is given to a person 'without the right to rent', from 1 December. Landlords may still be liable if premises are sub-let, despite the tenancy agreement being applicable to a person with the right-to-rent, however, responsibility for the checks can be given to an agent to remove the liability from the landlord to the agent, but a written agreement (between the landlord and the agent) stating the agent has the obligation to make the applicable checks, must be in place. If successful as a scheme it will be rolled out nationally during 2015.
Started in the US with the support of American Express, the second of what is an annual event now for the UK, is happening on 6 December. Intended to encourage and highlight the support of shopping locally, keeping trade local and the importance of small businesses, Small Business Saturday has marketing materials available to make the most of the event.
The beginning of December (1st) sees Leeds Building Society changing its lending criteria for borrowers subject to Section 106 (S106) Agreements. This is being applied across its whole range of mortgages including Shared Ownership.
The Small Business, Enterprise and Employment Bill having being approved by Commons, has its second reading during December. Contained within the Bill is the appointment of 50 Small Business Champions, to handle appeals against decisions by the regulators; including publicans pay disputes, or tied tenants' right to request a rent review (if they haven't had one for five years), additionally it contains an amendment to allow pub landlords the right to buy beer on the open market. Will pub companies and brewers work together with their landlords?
Currently seeking a new Chairman and recently fined £56m from the FCA and the Bank of England, RBS continues to make the headlines. Likely facing more fines in the New Year connected to Forex, the most recent fine was connected to its 2012 IT 'glitch' which saw millions of its customers unable to make payments for up to three weeks. Apparently, since the incident, some £500m has been spent on the system, although whether that means the system has been fixed, 'patched' or replaced, isn't clear (the system being IT and not a reference to service and products). IT and software can be labour intensive, yet RBS have laid-off staff so there seems to be quite a lot that's not clear in that quarter.
The European Commission has approved Britain's new Business Bank, saying that it would address small firms' access to finance without distorting completion. Its aim is to put all current Government schemes under one umbrella and use a funding boost to stimulate lending.
Autumn Statement (December 3rd), has whisperings of an announcement regarding financial support to cover the cost of SME business rates, as a way of encouraging business back onto the High Street, but, as a final statement before an election the press is mainly guesswork… with a lot of Scrooge or Santa headlines thrown in.
Image and Article credit: Copyright SUF © 2014
Bank Rejects' Offer
When does the one syllable, four-letter words into minute-long sentences, yelled out in single syllable breaths monster surface?
Think about the last time you were on the receiving end of rejection.
Did the 'it's- not- fair!' Monster surface when you were reminded that the world's not fair, and this time, it's not fair in your favour?
Deserved and fair or undeserved and unfair, it's an uncomfortable place to be, with an uncomfortable word placed hanging in the air: Reject. A powerful word with disrespectful connotations that's used in high places and, the considered term for those whose bank loan application is turned away: the rejects. However, any bank rejects may feel slightly more comfortable about their tag when they hear about the proposed forcing for some banks to close the Billy-No-Mates zone and offer their cast-offs to other lenders.
Can you go forcing something if it's just not right?
Apparently 'tis so, the plans have been confirmed. The Treasury is drawing up their strategy in preparation for legislation and announcements during the Autumn (sometime when leaves are on the line, hay fever has turned to flu, blankets are being brought out because there's a reluctance to put the heating on, and an Autumn Statement is due).
I can't even begin to guess how many business groups and trade associations are linked with recent business statistics that show there are 4.9 million UK businesses, of which 4.7 million are categorised with micro status and (though some are incorporated for deposits) there are somewhere in the region of 181 'banks' (not including Building Societies) listed as active in the UK by the Bank of England. From amongst all those glorious numbers there were a magnificent 'over 45 responses' (I'm not certain whether 'over' means 46 or whether somebody decided 45 was enough before it was time to put the kettle on) rallying to the call from the consultation, to answer questions on 'help to match SMEs rejected for finance with alternative lenders'.
Sounding remarkably similar to the processing of victims in stocks (although it's an image that might work for some, that would be the wooden pillory variety not the trading type) the proposed linking to 'alternative lending opportunities' suggests, for the mandatory process, 'SME's will be forwarded on to platforms', whenceforth by their visibility, be sped to open market (I added that bit). Similar to how some banks already operate (i.e. Santander and Funding Circle), 'rejects' will be asked if their details can be shared on Government designated private sector platforms for exposure to those who have an interest in staking their claim for a lending opportunity.
It wouldn't surprise me if the mandate wants a `Guide for the Innocent' creating which would be placed at various points of the youthful open spaces that have replaced privacy discussion areas in banks; no applicant will be left unturned and no applicant will be deemed capable of understanding why (notwithstanding unfavourable times) their business might be viewed by a particular lender as unfavourable. The leaflet's headings likely something along the lines of How to improve your Chances for a Successful Application, Prepare your Business Plan, Know your Numbers, to a final If Your Application Fails. Then, more Disney than Dragon a simple statement 'don't worry, somebody will want you – ubiquitous smiley face'.
Finishing with: If Your Application Fails: OK, expect to see the taxi with no brakes waiting, not certain how much fuel will be in the tank. Destination? How should we know? We want to close the door ASAP, you're an unwanted guest. No guarantees but, if you're lucky someone will pick you up, to cosy up over the spreadsheets, won't (but maybe should) happen.
Despite HM Queen Elizabeth II stating (4 June 2014) 'The Bill (Enterprise and Employment Bill 2014-2015) will support small businesses by cutting bureaucracy and enabling them to access finance" I humbly ask (not wishing to spend any time in those stocks), am I alone in an ever sceptical viewpoint?
Any bank, with new goals of bigger fish, being forced to share data with other parties about an applicant they deem a reject will definitely cut bureaucracy. But, (and this is the big but, possibly with a double T) to manage a referral system that treats all applicants equally, that is mindful of them falling down open gaps left over from perceptions of 'non-quality' custom, that ensures the Guide for the Innocent has all the lines in between read, that clears the applicant's path of stumbling blocks to avoid a missed opportunity, means managing the difference of enabling them to access finance and enabling finance to access them.
Businesses (and not forgetting that lenders are businesses) are exposed to all manner of risk; market, operational, financial, consumer and pure liabilities; all contributing to continual and continued exposure.
Some businesses will manage to hide from some risks, some are on a hiding to nothing; the risk is, what do you expose and what do you reject?
Image and Article credits: Copyright SUF © 2014
A Tale of Discrepancy and Discretionary Tarting
'Ehghaahg uhmajeddth ohtkchgh mghigh emmmhgh'.
Nope, I wouldn't get that either! But my dentist's brain seems to have adapted to most of his customers, at some point, sounding as though they're in a cardboard box full of cotton wool. Open-wide mouths, some filled with metal probes, he knows the risk when he places his customers in `The Chair' – there's little chance of gratifying conversation – instead he explains what's happening as he goes along.
At the same time as guiding a new assistant for quality control whilst translating the procedure, he'd however underestimated the risk of his dental dictionary being stretched too far. Re-framing the language for me, there was no risk to it not making sense, however, what hadn't been thought through was the potential for his patient to choke…. with laughing: 'I'll tart it up using a Tarting Tool'.
In business, as in most situations: risk in proportion is reasoned by discretion.
Business and work environments are full of problems, many attributed to the grating that happens between rules and practice. For some, whose situations involve being their own managers, there are additional challenges to working autonomously without specific or clear rules available; conditions are defined using personal, sometimes unreliable or inflexible, values, which in turn makes the creation of a structure, to measure competency, ever more challenging. And, when a situation arises, when there isn't a specific rule or working practice that offers conclusive direction, discretion, as part of a business practice, or system becomes stressed.
Holes, like rules, have a life cycle. For discrepancy the tarting tool needs discretionary usage.
Following the financial crisis explosion, the FSA (now FCA) announced, that it would undertake a review, MMR (mortgage market review): to deliver 'a sustainable market for all participants' and to be 'flexible for consumers'. Its recent implementation has created headlines in respect of the assessment of borrowers' income. In essence there were 'holes' which needed addressing and to prevent consumers being trapped, now places responsibility with the lender.
Figuratively, in the shoes of someone who fell through such a hole is Alice. Contemplating her situation ('…she was considering…. making a daisy-chain would be worth the trouble of getting up and picking the daisies), she weighs the benefits to her fiscal position (this might be for a property or her business) against the effort that's required. A White Rabbit (financial product headline rate) intentionally runs close by. Alice's time is consumed and because she hasn't a discretionary 'system' available, the labyrinth of challenges for discrepancy she's facing isn't considered as she follows the white rabbit…. down the hole.
There are some super-massive black holes in finance provision; similarly there are massive holes in business and for business, with property purchase and property sale, and, when they come about from discrepancies merging together, it isn't all black …. its liquorice.
Tarting a cavity with a tarting tool has no effect when the discrepancy has come about because risk wasn't measured with discretion.
Image Credits: Official US Navy Page, Mark Engelbrecht, Andrew Yee. Article credit: Copyright SUF © 2014
BOOM! The Only Acid Test
"As I hurtled through space, one thought kept crossing my mind – Every part of this rocket was supplied by the lowest bidder" ~ John Glenn.
There are some small numbers that can make a big difference to a business and there are some metrics that are readily available and ripe for easy improvement: the efficiency in using breeze blocks proportionate to bricks for a refurbishment, the types of stock allowed on the shelves longer than other types, the specific machine able to put out a new product, or even how the length of time taken to make a repair for a part that a customer doesn't even realises exists.
And, glancing backwards over experience garnered in the daily running of a business, it's probably the small tweaks and adaptations (how the day is organised, the sales cycle, staff issues… etc.) as being the most noticeable in having made or are still making a bigger difference for that business.
Putting aside the actual business type and market sector to isolate the financial aspect, too often financial decisions are also taken after, when the biggest numbers' (gross profit, cost of goods, inventory and so on) history on the logs and spreadsheets have been looked over… and an accountant will likely guide through further changes to net better results (tax, VAT, company formation, bookkeeping….).
The small numbers that can make a difference get the attention they need. The mechanics are regularly overseen. The metrics are monitored. The financial statements have a regular MOT (Monitor or Terminate).
But what about, as we call it, the mysterious metric?
This is the measurement I use as a starting point for calculating lender's interest for mortgages, loans and business finance. It isn't a secret, obscure or hidden metric. It's a usually overlooked business buffering opportunity made up of those small numbers – the little ones that make the difference amongst the numbers, spreadsheets and statements.
The financial statements might (maybe a year down the line) show where there is a problem (which six months ago was the future but is now the past). BOOM! While these numbers have been building up (or down), lenders have been building their key metrics using their own ratios and, a year ago, when there might have been wriggle-room in a business, so might a lender have had some wiggle room.
A business's metrics (from its ratios) change, lenders' metrics (from their ratios) change. The correct business metric directed at the correct lender metric, at the correct time is the acid test of fiscal health. BOOM!
Images and Article credit: Copyright SUF © 2014
Pollex's Up! Time Thief
Where is the human Pollex situated?
First day away from the office and, blessed crackers, I was exposed as a lazy thinker… I'd have to Google that one… I had no idea
Thinking takes practice – When it comes to cramming certain facts, I've never managed to hold the map of routes that circumnavigate burning midnight oil. Although even if I'd realised that higher intelligence (and by that I'm not referring to myself) isn't insurance against the necessity of putting in practice, I'd still have skipped school in favour of seeing Bowie live. By the time I was a parent I hadn't even given a thought to parenting needing practice so, as a naive parent, 'kinaesthetic learner' was welcomed as enthusiastically as child given a puppy for Christmas and now, thanks to the Great God that is Google we're all one click away from information overload …. and exposure to more lazy thinking.
Why bother problem solving by exploring ideas when there's so much 'knowledge' readily available? – In business I'm sometimes as guilty as the next in giving out (accompanied by involuntarily inside mouth biting) 'well… it depends'. The reason is (usually) simple: something is beyond my control; I have to surrender to an, in effect, legion of androgynous troopers, who waiting on the doorstep – 'outside forces'. For as frustrating as it can be (for all parties), I can't always give a definitive black and white determination. But, just as I've experienced sufficient to realise that time is of the essence in business, I've also come to recognise, you're going to have a hard time if a job isn't done properly. Hence, I have a more frustrating time when a person emits (often with side of the mouth chew to infer they're giving thought), 'well… it depends' as their camouflage for sitting on the fence – time wasting.
Ground control to Major Tom… Can you hear me Major Tom?
Sometimes it does depend.
Without balanced thinking, pros and cons are useless – Take marketing for example. As each trend, strategy, plan, and measurement, expands, increases, decreases, the general shift becomes, as with each element of a business's evolution, more complex; especially when (like you and me) the customer factored in to the ROI is increasingly savvier in using online search for information, solutions and comparison. Then take what is now an elemental marketing platform, the website. Every business owner will have their own opinion about the notion that a business without a website is said to be non-existent. A website for some is easy entry into marketing, for others it can be too difficult to even consider, different perspectives, both derived from a 'thinking' process relevant to itself. However, the value judgement of 'thinking' resides in the overview, which is measured by considering the positive points of having a website and the negative points, or lesser positive. When something hasn't been tried before, or experience tells of mistakes, messy experience, or similar, the 'thinking' balanced viewpoint might go along the lines of 'it might be worthy of more information for further consideration'.
When thinking isn't practiced surely it goes the way of any unpractised skill, meaning it can't be put into operation from experience. Using the analogy of the well-practiced acrobat with an ability to rotate many hula hoops, all at once, quickly enough to make the hoops look as one – that's what a Venn diagram of the scope of my service business's crossovers would look like (elements overlapping one another, plus elements overlapping with other service businesses) – just as other business owners' Venns will have overlaps for how and what they operate. I don't know about you, but for me it's difficult to want to only direct my attention to the interesting bits of my business. The way I try to manage this tendency (and maintain direction) is to think about the decisions I have to make …. and make those decisions. And, as I don't like to limit my thinking, the information I need mustn't be limited or biased….
The point is, it's not only the information that's important. We all want a derivative black and white determination AND at the same time choice, alternatives to consider. The route of least resistance means that we don't get distracted, decisions can be made quickly, time won't run away further than it already has. Searching amongst constraints to find hidden, unobvious, possibility and informed decision making takes thinking about (time) which (as the inside of my cheek will attest), on the occasions of forces being beyond my control, can be frustrating – But as, in my experience, confident responses aren't guarantee of certainty. Saying 'well…. it depends' can, depending on where you sit, be fence-sitting or thinking beyond the most likely.
"You ask yourself not if this or that is expedient, but if it is right" – Alan Paton
Image credits: Celestine Chua, Kevin K, Marc Dalmulder, Jin.
Article credit: Copyright SUF 2014©
23 12 2013
The Banking Reform Act
The Banking Reform Act, ring fencing retail and investment banking, and implementing recommendations of the Parliamentary Commission on Banking standard (including criminal offences for senior bankers misconduct), has become law.
As is said, this is just the beginning.
Although, ring-fenced banks will not be able to hold or own the capital of other non ring-fenced banks etc., it won't be fully in force for another four years during which a new authorisation process for staff will be introduced and effectiveness reviewed.
And, a banking union plan has been agreed for managing Eurozone banks (UK plus 10 other countries are not part of the plan). The ECB (European Central Bank) has been put in charge of European Union regulation rules for banks in the Eurozone
Image credit: WetWebWork Article credit: Copyright SUF © 2013
23 04 2013
Let's Celebrate The Night
Standing small things side by side, a singular value often has the ability to magnify itself; the singular value is increased as a collective.
Individually three words can each hold their own important relevancy; stand those words next to one another, as World Book Night does (the smallest word propped-up by the two longest at either side) and their combined strength works together.
Words come together to create a sort of letter-land community, in this case the common cause is promoting the world of books (and literacy in general). The three little words standing in a row could have placed the littlest first 'We'll go in letter order, B-Book, then N-Night, W-World' : Book Night World. 'Nah! We'll have little Book first, then you go World and I'll follow' : Book World Night. 'No, you go first World because we're all encompassing, then I'll stand in the middle (the main act) followed by you Night'.
World Book Night. Enjoy Yours.
Image credit: mrsdkrebs Article credit: Copyright SUF 2013
21 09 2012
Breaking Up Is Hard To Do: European Banks
To avoid future bailouts at taxpayers' expense, the splitting-up of major European banks debate continues considering the separation of high-risk investment banking and other bank operations: similar to the Vickers Commission (London) aim, in separating capital market transactions from banking activity (lending and deposits).
Since 2008, the familiar phrase 'too big to fail' banks, has ensured that four years down the line countries are running out of resources and the public are enlightened enough to want to know where their public contributions are being placed. Creating splits between the banking types seems to have two arguements; should there be any future problems being split, they're easier to be dealt with, whilst the counter argument is, it was the specialised banks which instigated the problems in 2008 and the universal banks were stable.
Complex problems require comprehensive explanation.
Business Week – Der Speigal – Economic Times – And opinion
Image and Article credit: Copyright SUF 2012


text: Admiration – Fine Art gamesBookmark the permalink. Release date: Oct 29th, 2009 Price: 0.99 Version: 1.1 Seller: Gabriel Lee Buy Now STP SCORE: Not yet reviewed Description Related Games Godzilla – Smash3 Monument Valley Threes! The Room Two Papa Sangre II Device 6 Lead the Brave Where's My Water? 2 Amateur Surgeon 3 Rymdkapsel

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Amber Sporting Goods AJR2 Leather Jump Rope with Wooden Handles
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Leather Jump Rope with Wooden Handles
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Shippers hoping that truck rate increases might fall in the face of an uncertain economy are likely to be disappointed, according to FTR Associates.
The research group dropped its Shipper Conditions Index for July to -3.8, a sign that truck pricing increased this summer even as the economy came close to stalling. The current level of freight demand has "completely utilized" available capacity, leaving little room for even modest increases in activity, FTR said Wednesday.
"The result is higher freight rates even in the face of the soft economy," said Larry Gross, senior consultant. "We expect this situation to persist into next year."
Costs are rising, but shippers are moving more freight in 2011. Demand is higher than a year ago, as reflected in exports and manufacturing output.
Spot market freight demand increased 4.5 percent from July to August, according to TransCore Freight Solutions. Freight volume typically falls in that period.
Trucking companies such as Swift Transportation, U.S. Xpress and Landstar are reporting strong or stable demand and rising rates in the third quarter. Swift Transportation said its rates were up 4 percent year-over-year in the first two months third quarter, and the carrier expects a 4 percent overall increase in 2011.
Contact William B. Cassidy at email@example.com. Follow him on Twitter at @wbcassidy_joc


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Jan. 10 (Bloomberg) -- Qatar's benchmark stock index dropped the most in more than five months as a dividend plan announced by Qatar National Bank SAQ disappointed investors.
Qatar National, the Gulf country's biggest bank by assets, slumped the most in more than two years. Commercial Bank of Qatar QSC, the nation's second-biggest lender, decreased 1.4 percent. Qatar's QE Index slumped 2.1 percent, the most since Aug. 7, to 8,629.25 at the 1 p.m. close in Doha. The Bloomberg GCC 200 Index rose 0.1 percent.
"Apparently the dividend disappointed some investors, which tells you how high expectations are in Qatar with regard to dividend payouts, which have been historically very high," said Ahmed Talhaoui, the Abu Dhabi-based head of investment and asset management at Royal Capital PJSC. The results were otherwise "strong," he said.
Qatar National yesterday said it would distribute a 40 percent cash dividend and bonus shares of 10 percent. Its full- year profit rose 32 percent to 7.5 billion riyals ($2 billion) as loans and advances increased, beating the mean 7.37 billion- riyal estimate of eight analysts, data compiled by Bloomberg show. The shares tumbled 5.2 percent, the most since December 2009, to 145 riyals.
Qatar's economy may expand 19 percent in 2011, making it the fastest-growing economy in the world, the Washington-based International Monetary Fund said in an October report. Local banks are benefiting from a pickup in lending as the Persian Gulf country, host to soccer's 2022 World Cup, invests in infrastructure and industrial projects.
Commercial Bank of Qatar, which may report results on Jan. 23, fell the most since Nov. 21 to 83.6 riyals.
Oman's MSM 30 Index declined 0.3 percent, while Kuwait's gauge advanced 0.5 percent. Dubai's DFM General Index gained 0.4 percent and Abu Dhabi's ADX General Index increased less than 0.1 percent. Saudi Arabia's Tadawul All Share Index rose 0.5 percent. Bahrain's BB All Share Index fell less than 0.1 percent.
--Editors: Daliah Merzaban, Shanthy Nambiar
To contact the reporter on this story: Zahra Hankir in Dubai at firstname.lastname@example.com
To contact the editor responsible for this story: Claudia Maedler at email@example.com


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Dolce Sorpresa
77 posts and 15 followers since Feb 2013
First attempt with painting on cake. I had fun!
Jul 2013
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Love it!
Elli Warren
... Jul 2013
Lovely cake! brilliant painting!:-)
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First attempt is absolutely gorgeous, it is really lovely cake
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What a beautiful painting! Good job.
Dolce Sorpresa
... Jul 2013
Thank you all so much!!
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Jefferson Book Club
The Jefferson Book Club, open to all interested University of Texas undergraduates, graduate students, post-doctoral fellows, and faculty, is a forum for informal discussions of the great books.
For more information, to offer additional suggestions, or to join the book club, please contact Jeremie Vega or Ethan Levinton. New members are welcome to join at any time.
Fall 2014 Events
September 3: Movie Night: Blade Runner
September 10: Essays of Francis Bacon
October 1: Herman Melville, "The Lightning-Rod Man"
October 15: Thomas Kuhn, Structure of Scientific Revolutions
October 29: David Foster Wallace, Everything and More
November 12: Jean-Jacques Rousseau, Reveries
December 3: Aristotle, Physics
For details on times and places of these events, please see http://www.utexas.edu/cola/centers/coretexts/events/upcoming.php
Past Events
1001 Nights, (Selections)
Al-Ghazali, The Incoherence of the Philosophers (excerpts)
Aristotle on Friendship
Augustine, City of God (excerpt)
Jane Austen, Persuasion
Jane Austin, Sense and Sensibility
Francis Bacon, Great Instauration
Giovanni Boccaccio, The Decameron (excerpt)
Boethius, The Consolation of Philosophy (excerpt)
Cervantes, Don Quixote
Essays of Winston Churchill
Living Ethically, selections from Confucius
Dostoyevski, The Brothers Karamazov (The Grand Inquisitor and other selections)
Essays and Letters of Albert Einstein
Euclid, Elements (Selections)
Franklin's Autobiography, parts 1 and 2
Edward Gibbon, History of the Decline and Fall of the Roman Empire
Heisenberg, Physics and Philosophy
Thomas Jefferson (Selections)
The Sermon on the Mount
Kafka, Before the Law
The Arthashastra: Law, Governance, and Society in Ancient India
Søren Kierkegaard, Sickness Unto Death (excerpt)
Abraham Lincoln (Selections)
Milton, Paradise Lost (excerpts)
Essays, Michel de Montaigne
Living Wisely, selections from Montaigne
What is happiness? (Selections from the Stoics and Montaigne)
Nietzsche, Birth of Tragedy
Nietzsche, Problems of Socrates
Marcel Proust, Remembrance of Things Past (selections)
Ayn Rand, Anthem
Rousseau, Letter to D'Alembert
Rousseau's Preface to Narcisse
Midsummer Night's Dream, American Shakespeare Center performance followed by discussion
Shakespeare, Coriolanus
Shakespeare, Measure for Measure
Shakespeare, Tempest (following Actors from the London Stage performances)
Adam Smith, Theory of Moral Sentiments, selections
Alexander Solzhenitsyn The Gulag Archipelago (excerpts)
Solzhenitsyn, A World Split Apart
Steinbeck, East of Eden (excerpt)
Leo Strauss, What is Liberal Education
Jonathan Swift, "Battle of the Books"
Ibn Tufayl, Hayy Ibn Yacqzan
Mark Twain, "The Diaries of Adam and Eve"
Voltaire, Candide
Kurt Vonnegut, Harrison Bergeron
Movie Night: All the King's Men
Movie Night: Casablanca
Movie Night, Chariots of Fire
Movie Night: Crimes and Misdemeanors
Movie Night: Bernardo Bertolucci's Il Conformista
Movie Night: Mr. Smith Goes to Washington
Movie Night: O Brother, Where Art Thou?
Movie Night: Pleasantville
Movie Night: Spartacus
Movie Night: The Counterfeit Traitor
Movie Night: The Man Who Shot Liberty Valance
Movie Night: The Seventh Seal
Movie Night: Tristan and Isolde


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Woods pars No. 18 in Round 1 of The Honda Classic
In the opening round of The Honda Classic 2013, Tiger Woods misses his 18-foot birdie putt on the par-5 18th hole and taps in for par.
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Government Shutdown Causing Mass ViolenceSubmitted by Ed Ucation on Sun, 10/13/2013 - 14:18
As the federal government shutdown stretches to the end of the second week, reports of mass violence pour in from all over the country.
"I've never seen a shot like that in my life," reported Roufus Dinget, a federal employee who's been out of work for over a week. "There was a loud crack as the mass of the cueball violently slammed into the mass of the 8-ball, and the whole bar went still for a second. I killed it for over two hours. I never would have been able to become such a pool shark if it weren't for the government shutdown."
Sounds not unlike gunfire rang out at the bowling range as Fred Silliski, a government contractor forced to stay home, perfected his strike. The massive bowling ball violently tore into the pins, spreading the mass of the pins in all directions. "I've been playing almost every day. Since I will get paid once this is over, I don't mind putting down the moolah for game after game. This is great."
But some feel hope in the dire situation. Sandra Casandra, whose husband is a retired government worker, took the day to contemplate the situation. "I heard the Great Falls National Park is closed. I used to sit there and watch the mass of water violently tumble down and I couldn't help but think of how the water represented the decline of our country. But now that the falls have been shut off, I feel hope. I feel like the country can start to rise again, like water flowing uphill. All it takes is a positive attitude."
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This is great
This is great
Southern Agrarian
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With time on their hands, some are also shooting
themselves full of wine!
When we try to pick out anything by itself, we find it hitched to everything else in the Universe.
~ John Muir
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Nov. 9 (Bloomberg) -- John Sculley, who was hired from PepsiCo Inc. to be chief executive officer of Apple Inc. in 1983, talks about the role of technology in U.S. health care and Apple CEO Tim Cook's performance.
Speaking with Tom Keene, Scarlet Fu and Bloomberg View columnist William Cohan on Bloomberg Television's "Surveillance," Sculley also discusses Facebook Inc.'s initial public offering and the outlook for companies in Silicon Valley. (Cohan is a Bloomberg View columnist. The opinions expressed are his own. Source: Bloomberg)
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The latest smartphones and tablets are redefining what it means to take your office on the road, and they're making collaboration a whole lot easier. Since more than a third of the global workforce will be mobile information workers by 2012, major advances are coming at the right time (and Cisco is a leading innovator).
In the video below, I discuss the 3 C's of mobile collaboration: communication, collaboration, and compute. Learn how Cisco is enabling collaboration on all the leading mobile platforms, while going further to equip the Cisco Cius with native integration capabilities that offer a seamless, hassle-free experience.
So why does mobile collaboration matter for your organization?
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Fear is back -- big time.
CBOE Volatility Index
(VIX) was up .93 to 20.34 Tuesday to recapture the 20 handle for the first time in more than 3 months- spot VIX almost touched 21 as President Obama took the podium to update the public on the budget and debt ceiling crisis that is underway. The index has now rallied 55% since September 20, as the S&P 500 has come down 4% from recent highs. Trading in VIX products has been very heavy, but the term structure of the VIX futures market indicates an expectation that things will settle down by November.
Options on CBOE Volatility Index established a new single day volume record Tuesday after nearly 1.8 million contracts changed hands. The flurry of activity in the VIX pit was across a number of different strike prices. November 14 puts were the most active. 93,170 contracts traded and the flow created 9,500 contracts of open interest at that strike. January 24, November 21, and January 18 calls saw the biggest increases in open interest among the VIX contracts.
Not to be outdone, VIX futures saw extreme volume as well. 322,000 contracts traded on the day, which is the fourth highest on record, according to Bloomberg. Now, after the recent spike in VIX, the futures on index for the next six months are below the spot price (see graphic below). For example, November and December VIX futures are both below 19.
A high spot VIX relative to near-term futures contracts, known as backwardation in futures lingo, happens during times of stress when investors are worried about a short-term catalyst that might drive the S&P lower. The government is shut down and lawmakers are running out of time to raise the debt ceiling. Washington will exhaust its authority to borrow money by October 17 and run out of money to pay bills between October 22 and October 31, according to a Congressional Budget office estimate. VIX is rallying, as the repercussions if the US defaults on its debt could be catastrophic. But looking out to November and December VIX futures, prices seem to suggest that market participants expect the volatility to settle down over the next month -- i.e. a debt default is the least likely scenario.
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Could integrate the image of a edu hobnob into the logo too?
Bitcoin's Value Falls 10% As Faltering Mt.Gox Exchange Continues To Implode « TechCrunch
Mt.Gox promised to get its house in order, and get back to the Bitcoin community and its users today. It did, but didn't open up withdrawals, or set a firm timetable as to when users might be able to get their currency off the exchange.
In response, the price of Bitcoin on Mt.Gox has cratered, again. It now rests just above $110. That's down from around $260 the day before. Users are betting more heavily now that their Bitcoin on the exchange is never coming back.
This turbulence has not left the larger Bitcoin market unmolested. According to the averaged Bitcoin price, the dollar cost of a Bitcoin has shed around 10% of its value today, falling from $625 to $560. Mt.Gox, previously trading at around a 50% deficit, is now trading at one fifth the regular price.
Why would Mt.Gox bring down the value of Bitcoin on other exchanges? The failure of Mt.Gox highlights what sort of risk unregulated markets might entail. And in frankness Bitcoin has been on a slow deflate tip all year. The average Bitcoin price spiked over $900 in January, before settling into a pattern of decline.
The hilarious thing is that MtGox knew about the double-spending problem for months and didn't do anything about it. All the other exchanges use different methods of transaction verification which isn't impacted by the hash malleability attack. It's so easy to avoid the attack that it's only a low priority bug for the bitcoin devs themselves!
I'm not really surprised that a website which used to sell Magic The Gathering Online cards is poorly run, though.
BBC News - MtGox chief Mark Karpeles quits Bitcoin Foundation The MtGox saga continues!
I don't think anyone with funds in MtGox is getting them back. This is the beginning of the end.
Sold out for a small loss on the downslide, not bothering to dip back in.
Mined one when it was profitable and not so costly. Withdrew it for £280 (cost me about £70 to mine)
Bitcoin exchange Mt. Gox goes dark, digital currency biz calls it a 'tragic violation' of user trust « Engadget
Less than a year ago when we took a long look at Bitcoin, exchange Mt. Gox reportedly handled some 80 percent of global traffic in the digital currency. Tonight however, the exchange's website is offline, all tweets have been deleted from its account, and customers are unsure what will happen to fiat currency (cash) or Bitcoin that it holds.
Last edited by Arthur; 25th February 2014 at 08:22 AM.
My 300 euro loss seems much easier to swallow today, looks like I took the right decision at the right time.
And another one...
After $620,000 theft, another Bitcoin service shuts down « The Verge
In the wake of Mt. Gox, a six-figure bitcoin heist has resulted in another shuttered service. This time, the service is Flexcoin, a wallet and banking service that lost 896 bitcoins to attackers, and has announced it will be unable to continue functioning after the loss. The attack emptied the service's hot wallet, where funds were kept for easy access, but the attack did not reach into the offline storage, and Flexcoin has promised to return those funds to customers as soon as possible.
While not as central to the Bitcoin economy as Mt. Gox, the Flexcoin shutdown is another blow to an ecosystem that's facing growing doubts from would-be regulators in government. According to a Flexcoin statement, the company "will attempt to work with law enforcement to trace the source of the hack," but judging by the preemptive shutdown, they do not seem optimistic about recovering the funds. Already, the news has attracted Bitcoin skeptics; as one security researcher put it, "BTC is just too easy to steal to be usable."
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Is it possible to create a custom report in Google Analytics showing page titles but exclude all visitors from our own network?
Is it possible to create a custom report in Google Analytics showing page titles but exclude all visitors from our own network?
How do I exclude my internal traffic from reports? - Analytics Help
If you want to exclude internal traffic from appearing in your reports, you can filter out a specific IP address or a range of IP addresses. You can also use cookies to filter out visits from particular users. We'll explain how below.
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To exclude traffic from dynamic IP addresses, you can use a JavaScript function to set a cookie on your internal computers. You'll then be able to filter all visitors with this cookies from appearing on your Analytics reports.
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A week or so ago, I looked at the hardest-working versus highest-earning states using data from a new study (PDF) from the Bureau of Labor Statistics. The study by Dante DeAntonio used data from the Current Employment Statistics -- a monthly survey of more than 400,000 U.S. business establishments -- to generate estimates for employment, hours, and earnings for U.S. states. My MPI colleagues and I were curious about how data would play out for U.S. metropolitan regions, so we contacted DeAntonio and he graciously supplied the data.
Let's begin by looking at two key maps created by the MPI's Zara Matheson. The maps are based on data for all U.S. metros, but identify the 46 largest metros (those with more than one million people) by name.
The first map (above) shows average hours worked per week. Among large metros, Washington, D.C. tops the list with an average of 36 hours per week. Las Vegas is next, followed by San Antonio, Virginia Beach, and Seattle. Kansas City, Nashville, Miami, Phoenix, and San Jose round out the top ten. At the opposite end of the spectrum are Buffalo, Rochester, Minneapolis, Columbus, Philadelphia, and Pittsburgh.
The second map charts the highest-earning metros -- measured in terms of average hourly earnings. Among large metros, San Jose -- Silicon Valley -- tops the list, followed by San Francisco, D.C., New York, Minneapolis, and Philadelphia. The lowest-earning metros are Oklahoma City, Las Vegas, Louisville, Buffalo, Memphis, Jacksonville, Cleveland, and Pittsburgh.
What's most striking is how little overlap there is between the two maps. The locations where people put in longer hours are also the ones where workers earn less.
So, I decided to take a closer look at what might be behind these patterns. With the help of Charlotta Mellander, we ran a series of scatter-graphs and performed a simple correlation analysis to probe the effects of various demographic and economic factors on metro-level working hours and earnings. We ran the analysis both for all 340 U.S. metros and for the 46 large metros (again, those with more than one million people). As usual, I point out that our analysis points to association between variables only. It does not imply causation, and other factors may complicate the picture. Still, as with states, a number of patterns are striking.
First and foremost, we find a total lack of correlation between hours worked and earnings across U.S. metros. This holds true both for the largest metro areas and for all U.S. metros: there was no statistical significance at all for the correlation between these two variables in either case.
Second, hard work and long hours do not translate into economic wealth. There was no correlation whatsoever between working hours and economic output, measured as gross metropolitan product per capita, for either large metros or all metros.
Third, as we found in our earlier analysis of states, when it comes to earning power, working smarter trumps working harder across the board.
Source: Human capital data from the U.S. Census Bureau, 2006.
One way to measure smart work is by the level of human capital -- that is the percentage of a metro's workforce with a bachelor's degree and above. Human capital is closely associated with metro earnings. The correlation is .53 for all metros and even higher, .74, for large metros. Silicon Valley -- that is the San Jose-Sunnyvale-Santa Clara metro -- literally jumps off the chart. San Francisco, Seattle, D.C., greater New York, Minneapolis, and San Diego are all above the fitted line in the upper-right hand quadrant of the graph: they combine above-average human capital with above-average wages. Louisville, Oklahoma City, Memphis, Pittsburgh, Milwaukee, and Nashville are all below the line -- combining low levels of human capital with low wages -- wages, in fact, that are even lower than their human capital levels would predict. Interestingly, Detroit, New Orleans, Phoenix, and Las Vegas have significantly higher wage levels than their human capital levels would predict.
Source: Creative class data are from the Bureau of Labor Statistics, 2006. Creative Class definition as in Rise of the Creative Class.
Another way to gauge smart metros is by the share of their workforce in creative, professional, and technical jobs -- that is, metros with high percentages of workers in the creative class. Creative class metros have significantly higher average earnings. In fact, the correlation between earnings and the percentage of workers in creative class jobs is slightly higher than that for human capital -- .58 for all metros and .78 for large metros. The line on the scatter-graph runs quite steeply upward. Silicon Valley is again a huge outlier, way up in the right hand corner of the graph. San Francisco, Seattle, and greater New York are all above the line -- with high levels of creative class work and high average wages. D.C., interestingly enough, is slightly below the fitted line: its average wages are slightly less than its percentage of creative class workers would predict.
Source: Working-class data from Bureau of Labor Statistics, 2006. Working-class definition as in Rise of the Creative Class.
Earnings are far less in more traditional industrial economies. Metro earnings are negatively correlated with blue-collar, working-class jobs -- the correlation is -.31 for all metros and -.5 for large metros.
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41 Valentine's Day Crafts: Valentine's Day Cards, Gifts and More
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Heart Stamp Card
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If you love beads and you love card making, combine the two hobbies and make artist-level designs you can sell in trendy stationery stores. Use this colorful, creative idea to get you started. It features red liner Treasure Tape, Kreinik metallic threads, and clear Diamond Beadlets.
- Strathmore Creative Cards blank card & envelope
- Black paper
- 3.5x2.25 Decorative black paper (Mary Engelbreit)
- Small scraps of coordinating pink print paper
- Textured pink cardstock
- 4" x 6" sheet Treasure Tape sheet
- 1/8" Treasure Tape Trim
- Diamond Beadlets
- Kreinik 1/8" Ribbon in colors 042, 007C, 153V, and 001J
- Kreinik #16 Braid in colors 031, 003V and 005C
- Punch-1 9/16" stamp shape, McGill Craftivity, 3/4" square, Punch Bunch
- Pencil
- Scissors
- Glue stick
- Shallow pan or tray
- Adhere your scrolled decorative black paper to your card. Cut a .5" x 3.5" strip of your Treasure Tape Sheet, and apply it across the center of your scrolled paper. Press outward from the center to remove any air pockets.
- Peel back the red liner and begin laying down rows of thread. You can alternate between ribbon and braid for different width stripes. Trim the threads at each end.
- Using your 1/8" Treasure Trim, create a tape border around the outside of the scrolled paper, overlapping the paper and the ends of your thread stripes. Peel back the red liner and lay down a border using your 042 Ribbon.
- Punch a "stamp" shape out of the pink cardstock. Next punch a smaller square shape out of your coordinating patterned paper. Attach it to the center of your stamp shape. Cut a small heart from your Treasure Tape sheet, and adhere it to the center of your square. Press firmly.
- Adhere your stamped motif to the center of your card, over the stripes. Peel back the red liner on your heart shape. Outline your heart with braid.
- Place your card into a shallow tray or in a small bag, and pour beadlets over the exposed tape areas. Tap to remove excess beadlets.
Kreinik threads available through needlework stores or www.kreinik.com.
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Some people would take offense at the idea that religion is play. Religion, they would say, is sacred, and play is trivial. How can the one be lumped with the other? But regular readers of this blog know that I regard play as the highest form of human activity, so I am not demeaning religion when I describe it as play.
I have two main points to make in this essay. The first is that all of religion has its roots in play. The cognitive skills that make religion possible are the skills of play, the most central of which is make-believe. The second point is that religion functions best when it does not stray too far from its playful origins. Religion that has lost its playfulness can be dangerous. Here I outline some of the logic and evidence that leads me to these conclusions.


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Mr BL0NDE
Senior Member
this is worst tier list ive seen, please delete this thread
teemo heimer leona and orianna are all way too high
sion is too low
My COMPLETE TIER LIST. Ive played dom far more than most players. Still evolving though.
T1 Irelia, Akali, Heimer, Rammus, Jax, Poppy, Xin, Kog Maw
T2 Singed, Teemo, Yorick, GP, Swain, Noc, Panth, Talon, Rumble, Yi, Tryn, Garen, Riven, Morgana,
Shaco, Malz, Sion, Alistair, Kat, Sona, LeBlanc, Shyvanna,
T3 Veigar, Nasus, Twitch, Eve, Annie, Ashe, Blitz, Brand, Caitlyn, Cho Gath, Fiddles, Graves, Janna, Jarvan, Kayle, Karthus, Xerath, Renekton, Sivir, Soraka, Tryn, TF, Udyr, Urgot, WW, Mao, Ezreal, Kassadin, Amumu, Leona, Mord, Shen
T4 Orianna, Wukong, Cassiopeia, Corki, Mundo, Lux, Nunu, Nidalee, Skarner, Ryze, Tristana, Vayne, Zilean, Anivia, Kennen, Malph,
T5 Galio, Gragas, Karma, Trundle, Taric, Vlad,
Criteria by which I rated champs;
T1-- If they have one of these champs you have high potential to have a real problem.
T2-- Great champs, no doubt, can easily carry
T3-- Can be good, really depends on player, but about average for the most part.
T4-- Just not that great in dom, In the hands of a good player they can pull their weight, but thats it.
T5-- Just plain weak in dom.
Michael Kane
this list is outdated, Graves is clearly tier 1. his smoke bomb gets to be more fully utilized as people are more crowded, which is also why his ult is so amazing their, he can also push back a minion wave with buck shot instantly. Did I mention he is the best ranged ad carry in the game currently?
nidalee should be tier 1...
if you go into a damage calculation after a game and you are actually good at nidalee your total damage dealt should be at least double that of anybody else.
© 2014 Riot Games, Inc. All rights reserved. Riot Games, League of Legends and PvP.net are trademarks, services marks, or registered trademarks of Riot Games, Inc.


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Spring 2015 Semester Courses
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475-319 Carpentry IV
Develop skills in interior finish work, drywall, painting, cabinet installation, and floor covering as you continue work-site projects started in Carpentry II.
Course Credits
Sections this Semester
Offering number: 475-319-001
Course NotesPrerequisite(s): 475-317 Carpentry II (or concurrent) and 475-318 Carpentry III (or concurrent)
Tuition/fee: $743.00
Seats Open: 7
Instructor: Erdman, Daniel G
Program Restriction
Dates: 01/20/15-05/14/15
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Times: 07:30am-10:55am
Dates: 01/21/15-05/13/15
Days: Wednesday
Times: 07:30am-10:25am


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Silver Breeze Apartments Christ Church
Official Contact Details - Silver Breeze ApartmentsPhone: 1246-433-5567
Silverbreeze Apartments is based on the southern end of Barbados and caters for all types of vacations ..Just for you!.... Our aim is committed to making sure you enjoy your stay in Barbados.
- Price from 80 USD / Day
- Capacity up to 6 people
- 2 bedrooms & 1 bathroom
(click on a photo to view it)
Last updated: 05/30/2009
This is your property ?
Silver Breeze is a two bedroom , one bath apartment in the parish of Christ Church.
Affordably priced!!!
Easy access to the city and night life!!
And don't forget the beaches, a mere 4.5 minutes away!! IDEAL FOR PERSONS LOOKING TO DO WATER SPORTS SINCE IT IS LOCATED NEAR THE BEST BEACH IN BARBADOS TO DO SO (SILVER SANDS BEACH ) 15 MINUTE WALK AWAY!
At Silver Breeze Apartments you can find everything you need for any type of vacation, water sports, relaxing, sight seeing, weddings, honeymoons, and much more...You will find a vacation in this Island In The Sun is just what you are looking for!
Relaxation to the full from your hectic everyday lives!
Beautiful beaches that surround our coastal line , warm and friendly natives and exciting attractions for you and your family to enjoy.
We are focused on providing high-quality service and customer satisfaction , Silver Breeze is sure to meet your expectations and more!
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Location & area
Situated near the local bus routes that provide easy acess through out the country and are reliable. Being near to the beaches also allows persons to really relax themselves.. Barbados is the place to be!!
- Address:
- #68 Semicircular Drive ealing park, bb20033, Christ Church, Barbados
- Accommodation located in:
- near cultural interest, near diving spot, near fishing area, near golf course, near historical interest, near horse riding, near restaurants & bars, near shopping area, near surfing venue , near tennis courts, near the beach, near water sports, rural, village!
Amenities & services
all cooking untentils are be provided
# of Units: 1... and each unit includes:
- Bedrooms: 2
- Bathrooms: 1
- Single beds: 0
- Double beds: 2
- Baby cots: 0
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Review - Silver Breeze Apartments
Silver Breeze Apartments - Contact the owner
Important Notice : Avoiding Fraud
It's rare, but some helpful hints to watch out for with regards to fraud:
- It is important to NEVER wire funds or use/employ other fund transfer mechanisms such as western union: Always use a credit card to protect yourself against fraud. If owners pressure you into providing a deposit or refuse to accept credit cards, there is a high probability that this is a scam.
- If at all suspicious of fraud, ask to see their website, or any other literature they can provide or send to you. Ask them for contact details for guests who have previously stayed on their property insisting on telephone numbers. Be suspicious of emails that originate from free email services (yahoo, hotmail, gmail, etc)
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Fantastic performance. Great weather, great audience, great vibe!
Can't find your city? Try Time Out World for great nights out and all that's going on near you – wherever you are in the world.
Magazines and Visitor Guides are also available in Malta, Porto and Muscat.
Various venues
Until Tue Sep 30
Photograph: Dan Monick
Posted: Wed Sep 17 2014
Aloe Blacc scored his first international hit, 2010's "I Need a Dollar," but even then, the Los Angeles native was no newbie. The MC turned soul crooner had been releasing music for almost a decade, originally as part of the hip-hop duo Emanon, consisting of himself and celebrated underground beatsmith Exile. Blacc has been a rolling stone over the years, infusing his work with hip-hop, R&B and various Latin stylings. Here, he turns up in support of his latest, Lift Your Spirit, a glossily retrofied soul effort.
ReviewsAdd +
5 / 5
Fantastic performance. Great weather, great audience, great vibe!


text:
Members of the USA delegation are introduced at a welcoming ceremony at the 2014 Winter Olympics, Thursday, Feb. 6, 2014, in Sochi, Russia. (AP Photo/Morry Gash)
Updated: February 7, 2014 3:35PM
Our Mark Lazerus and Rick Morrissey are on their way to Sochi, Russia, for the 2014 Winter Olympics. Get ongoing live updates on the Games — and the reportedly dangerous face water — from the reporters.
© 2014 Sun-Times Media, LLC. All rights reserved. This material may not be copied or distributed without permission. For more information about reprints and permissions, visit www.suntimesreprints.com. To order a reprint of this article, click here.


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Please Visit Us
We're located at
1120 6th Ave.
New Brighton, PA 15066.
You can reach us by phone at
We're located at
1120 6th Ave.
New Brighton, PA 15066.
You can reach us by phone at
15 Through Jesus, therefore, let us continually offer to God a sacrifice of praise—the fruit of lips that openly profess his name. 16 And do not forget to do good and to share with others, for with such sacrifices God is pleased. Hebrews 13:15-16
Dear Church Member and friends:
The Wayman Chapel Steward Board cordially invites you to our Annual Stewards Day, Sunday, June 22, 2014 at 4:00 p.m. Devotions will begin at 3:30 p.m. The word, stewardship, simply means to manage someone else's property. For the Christian, as the scripture proclaims, everything belongs to God, we manage the property of our Lord.2 Moreover it is required in stewards, that a man be found faithful. 1 Corinthians 4:2 King James Version (KJV)
The speaker of the hour will be Sister Tina Price-Genes. Sister Genes is the Education Coordinator for the Franklin Center of Beaver County, Inc. Sister Genes is a member of the Sounds the Alarm Ministries in Aliquippa. Come prepared to receive the message.
We solicit your prayers as we; the Steward Board institutes the duties of a steward. There will be refreshments in our fellowship hall following the service. The board members of this the pastors cabinet, thank you in advance for your support.
Yours in Christ,
Sister Barbara Lyles; Annual Day Chair
Sister Valerie McElvy; Co-chair
Brother Donald Cockfield; Steward Pro-Tem
Pastor, Rev. Samuel W. Chambers
Please join the Sisters With a Testimony (S.W.A.T) from Wayman Chapel AME Church for and afternoon of music, food and fun on Saturday July 19, 2014 The time is 1:00 P.M. – 4:00 P.M. The place is The Center at the Mall (Senior Center) inside Beaver Valley Mall. Admission is only $5.00!! For more information,… Continue Reading
The Helping Hands of Wayman Chapel, under the leadership of our first lady Mrs. Erma Chambers, was blessed with a large food donation. Now, the committee wants to bless our neighbors in need! This Saturday, May 31st, Wayman Chapel Church will be offering free food and clothing to individuals with and Access card. If you… Continue Reading
In 1966, the town of Salley, South Carolina, inaugurated the annual Chitlin' Strut. Old folks say you can't cook them except in the months with an "R" if that is true, save the date. When – Saturday, March 1, 2014 Sponsored by the "Sounds of Faith" This is an all Day event · 7 a.m. prayer… Continue Reading
Meet the newest addition to Wayman Chapel. Meet Boyd the "Prayer Bear". He's cute as a button and about 8" tall. You can take him home for only $18.00! If you would like, you can buy two for $30.00. There is a very limited supply, so place your orders quickly! Call 724-601-1856 to reserve you… Continue Reading
WAYMAN CHAPEL A.M.E. CHURCH *1120 6th Avenue New Brighton, Pa. 15066 August at a glance Rosalind's Candy Bars $2.00 Assorted gift basket raffles #3 for $1.00, drawing on Sunday, August 11, 2013 Saturday, August 3, 2013-BBQ chicken dinners with an a-la carte menu, outdoor flea market and special sales at Professional Outfitters and Variety… Continue Reading
It's a Ladies afternoon at Wayman Chapel on July 20th from noon to 4 p.m. The idea of a Tea Party or a ladies afternoon dates back to the Victorian Era when a lady of fashion, Catherine of Braganza, who introduced tea to England, and Anna, the 7th Duchess of Bedford, who ordered tea and cakes to be brought up… Continue Reading
We, the officers and members of Wayman Chapel African Methodist Episcopal Church, are proud to host the 146thsession of the Pittsburgh Annual Conference. Since this is a first for Beaver County, it is indeed a historical event . The Pittsburgh Annual Conference will convene Tuesday, September 17th through Saturday, September 21, 2013 under the leadership of The Third Episcopal District Prelate, Bishop McKinley… Continue Reading
Scripture - Ephesians 6:13-18 18. "And pray in the Spirit on all occasions with all kinds of prayers and requests. With this in mind, be alert and always keep on praying for all the Lord's people." Dear Church Member and friends: The Marie King Parrish Women's Missionary Society cordially invites you to the Annual Missionary "Day in White",… Continue Reading
Wayman Chapel A.M.E. Church is proud to sponsor (and back by popular demand) the giant shoe sale "SHOE SALE AND LUNCH TOO!" When: Saturday, May 4, 2013 Time: 9 a.m. 'til soup & shoes are all gone Where: WAYMAN CHAPEL A.M.E. CHURCH 1120 6th Avenue New Brighton, PA 15066 Cost: Shoes – $4.00… Continue Reading


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Welcome to the official Dance for PD® site
About Dance for PD®
Dance for PD® offers dance classes for people with Parkinson's disease in Brooklyn, New York and, through our network of partners and associates, in more than 100 other communities in 11 countries around the world. In Dance for PD® classes, participants are empowered to explore movement and music in ways that are refreshing, enjoyable, stimulating and creative. An on-going non-profit collaboration between the Mark Morris Dance Group and the Brooklyn Parkinson Group, the Dance for PD® program also provides teacher training and nurtures relationships among other organizations so that classes based on our model are widely available. Learn more.
"Dance for PD® is a hands-down success. It's one of the most important programs for Parkinson's disease in the country."
What's New?
►Dance for PD®'s L'Allegro Movement Project featured on Brooklyn Independent Media.
►Capturing Grace, a new documentary about Dance for PD's performance project, received its New York premiere at the DOC NYC Festival Nov. 18 and 20.
►Dance for PD® to encourage attendees to think like dancers at the International Parkinson's Empowerment Summit in Dublin, Ireland.
►Mark Morris Dance Group one of five winners of Google's Giving through Glass contest for a planned Dance for PD® App
►Dance for PD® launches classes at Manhattan's Ballet Academy East
►Chelsea Clinton reports on Dance for PD® for NBC's Nightly News with Brian Williams.
►Dance for PD featured on CNN's The Next List blog.
►English research study shows benefits of dance for persons with PD
Member Log In
Why Dance for Parkinson's Disease?
Watch an excerpt from the Brooklyn Parkinson Group/Mark Morris Dance Group film Why Dance for Parkinson's Disease?, made possible by a grant from the National Parkinson Foundation. For more resources, please click here.
Get the Flash Player to see the wordTube Media Player.


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Simmonds - Get Away
Get Away Simmonds
Editor Rating: HEATSEEKERS
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Produced by Wymmtime Productions. Get Away Freestyle, str* off the dome. ) - Simmonds B4 The Recognition coming soon Brick City Salute!!!From the City of the Bricks, The Capitol of Auto Theft, Newark, New Jersey hails the infamous Simmonds. Growing up on Elizabeth Ave/SethBoyden/Weequahic section has taken a toll on her life both positively and negatively. Thus, she struggles with choosing to become a positive role model for black women and children, or to stoop to the same bullshit she done been in. Both of her brothers are dead and she's the last hope. But in her mind what is their to do when, all ''niggas'' want to do is get high, jux, and party. Follow her journey..which is revealed through her songs and look out for the mixtape titled: The Chronicle: B4 The Recognition which is slated to be released late Spring. View videos and freestyles at : http://www.youtube.com/user/NewarkNuisance ''Free Quez, Free Reck, Free Dipp, RIP to Natombe Simmonds, RIP to Nyru Simmonds, RIP Syretta and God Bless Nigga'' - Simmonds
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Carrete del Arde Lucus, una gran fiesta de mi ciudadThis photo was shot on film. Taken by giraldinho with a Lomography Diana F+ (available in our Online Shop) loaded with Lomography X-Pro Slide 200 ISO (35mm) film in Lugo, Spain. These tags describe this photo: ancient rome, lugo, 120mm, 120, x-pro, summer, party, diana, june, arde lucus, and roman. This photo can also be found in the album Una de Romanos.
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Abstract background for technology, industrial, futuristic.© Keo - See portfolio
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["abstract","abstraction","backdrop","background","blue","colors","composition","computer","connection","creative","design","digital","digital art","digital illustration","electronic","eps10","futuristic","graphic","idea","illustration","industrial","industry","internet","machine","modern","network","science","shape","tech","technical","techno","technology","template","transformer","vector","web"]abstract abstraction backdrop background blue colors composition computer connection creative design digital digital art digital illustration electronic eps10 futuristic graphic idea illustration industrial industry internet machine modern network science shape tech technical techno technology template transformer vector web See all keywords
The vector illustration "Abstract background for technology, industrial, futuristic." from Keo is available on Fotolia under a Royalty Free license from 1 credit (Credit from $0.74).
Available in AI/EPS and JPEG formats, this vector file may be downloaded for all kinds of professional uses. The V and XV files are delivered in AI/EPS. To modify this file, vector editing software such as Adobe Illustrator, Freehand, or CorelDRAW is required. JPEG files are available in different resolutions (up to 3,951 x 3,797 pixels in 300 DPI).
The author of this picture, Keo also has 127 images in the same series.
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The V and XV licenses are vector files (AI, EPS).
To modify this file, vector editing software such as Adobe Illustrator, Freehand, or CorelDRAW is required. All other licenses are JPEG files.