text:
Jacob sends ten sons to buy corn. (1-6) Joseph's treatment of his brethren. (7-20) Their remorse, Simeon detained. (21-24) The rest return with corn. (25-28) Jacob refuses to send Benjamin to Egypt. (29-38)
Verses 1-6 Jacob saw the corn his neighbours had bought in Egypt, and brought home. It is a spur to exertion to see others supplied. Shall others get food for their souls, and shall we starve while it is to be had? Having discovered where help is to be had, we should apply for it without delay, without shrinking from labour, or grudging expense, especially as regards our never-dying souls. There is provision in Christ; but we must come to him, and seek it from him.
Verses 7-20 Joseph was hard upon his brethren, not from a spirit of revenge, but to bring them to repentance. Not seeing his brother Benjamin, he suspected that they had made away with him, and he gave them occasion to speak of their father and brother. God, in his providence, sometimes seems harsh with those he loves, and speaks roughly to those for whom yet he has great mercy in store. Joseph settled at last, that one of them should be left, and the rest go home and fetch Benjamin. It was a very encouraging word he said to them, "I fear God;" as if he had said, You may be assured I will do you no wrong; I dare not, for I know there is one higher than I. With those that fear God, we may expect fair dealing.
Verses 21-24 The office of conscience is to bring to mind things long since said and done. When the guilt of this sin of Joseph's brethren was fresh, they made light of it, and sat down to eat bread; but now, long afterward, their consciences accused them of it. See the good of afflictions; they often prove the happy means of awakening conscience, and bringing sin to our remembrance. Also, the evil of guilt as to our brethren. Conscience now reproached them for it. Whenever we think we have wrong done us, we ought to remember the wrong we have done to others. Reuben alone remembered with comfort, that he had done what he could to prevent the mischief. When we share with others in their sufferings, it will be a comfort if we have the testimony of our consciences for us, that we did not share in their evil deeds, but in our places witnessed against them. Joseph retired to weep. Though his reason directed that he should still carry himself as a stranger, because they were not as yet humbled enough, yet natural affection could not but work.
Verses 25-28 The brethren came for corn, and corn they had: not only so, but every man had his money given back. Thus Christ, like Joseph, gives out supplies without money and without price. The poorest are invited to buy. But guilty consciences are apt to take good providences in a bad sense; to put wrong meanings even upon things that make for them.
Verses 29-38 Here is the report Jacob's sons made to their father. It troubled the good man. Even the bundles of money Joseph returned, in kindness, to his father, frightened him. He laid the fault upon his sons; knowing them, he feared they had provoked the Egyptians, and wrongfully brought home their money. Jacob plainly distrusted his sons, remembering that he never saw Joseph since he had been with them. It is bad with a family, when children behave so ill that their parents know not how to trust them. Jacob gives up Joseph for gone, and Simeon and Benjamin as in danger; and concludes, All these things are against me. It proved otherwise, that all these things were for him, were working together for his good, and the good of his family. We often think that to be against us, which is really for us. We are afflicted in body, estate, name, and in our relations; and think all these things are against us, whereas they are really working for us a weight of glory. Thus does the Lord Jesus conceal himself and his favour, thus he rebukes and chastens those for whom he has purposes of love. By sharp corrections and humbling convictions he will break the stoutness and mar the pride of the heart, and bring to true repentance. Yet before sinners fully know him, or taste that he is gracious, he consults their good, and sustains their souls, to wait for him. May we do thus, never yielding to discouragement, determining to seek no other refuge, and humbling ourselves more and more under his mighty hand. In due time he will answer our petitions, and do for us more than we can expect.
Genesis 42:1-38 . JOURNEY INTO EGYPT.
1. Now when Jacob saw that there was corn in Egypt--learned from common rumor. It is evident from Jacob's language that his own and his sons' families had suffered greatly from the scarcity; and through the increasing severity of the scourge, those men, who had formerly shown both activity and spirit, were sinking into despondency. God would not interpose miraculously when natural means of preservation were within reach.
5. the famine was in the land of Canaan--The tropical rains, which annually falling swell the Nile, are those of Palestine also; and their failure would produce the same disastrous effects in Canaan as in Egypt. Numerous caravans of its people, therefore, poured over the sandy desert of Suez, with their beasts of burden, for the purchase of corn; and among others, "the sons of Israel" were compelled to undertake a journey from which painful associations made them strongly averse.
6. Joseph was the governor--in the zenith of his power and influence.
he it was that sold--that is, directed the sales; for it is impossible that he could give attendance in every place. It is probable, however, that he may have personally superintended the storehouses near the border of Canaan, both because that was the most exposed part of the country and because he must have anticipated the arrival of some messengers from his father's house.
Joseph's brethren came, and bowed down themselves before him--His prophetic dreams [ Genesis 37:5-11 ] were in the course of being fulfilled, and the atrocious barbarity of his brethren had been the means of bringing about the very issue they had planned to prevent ( Isaiah 60:14 , Revelation 3:9 , last clause).
7, 8. Joseph saw his brethren, and he knew them, . . . but they knew not him--This is not strange. They were full-grown men--he was but a lad at parting. They were in their usual garb--he was in his official robes. They never dreamt of him as governor of Egypt, while he had been expecting them. They had but one face; he had ten persons to judge by.
made himself strange unto them, and spake roughly--It would be an injustice to Joseph's character to suppose that this stern manner was prompted by any vindictive feelings--he never indulged any resentment against others who had injured him. But he spoke in the authoritative tone of the governor in order to elicit some much-longed-for information respecting the state of his father's family, as well as to bring his brethren, by their own humiliation and distress, to a sense of the evils they had done to him.
9-14. Ye are spies--This is a suspicion entertained regarding strangers in all Eastern countries down to the present day. Joseph, however, who was well aware that his brethren were not spies, has been charged with cruel dissimulation, with a deliberate violation of what he knew to be the truth, in imputing to them such a character. But it must be remembered that he was sustaining the part of a ruler; and, in fact, acting on the very principle sanctioned by many of the sacred writers, and our Lord Himself, who spoke parables (fictitious stories) to promote a good end.
15. By the life of Pharaoh--It is a very common practice in Western Asia to swear by the life of the king. Joseph spoke in the style of an Egyptian and perhaps did not think there was any evil in it. But we are taught to regard all such expressions in the light of an oath ( Matthew 5:34 , 5:12 ).
17-24. put them . . . into ward three days--Their confinement had been designed to bring them to salutary reflection. And this object was attained, for they looked upon the retributive justice of God as now pursuing them in that foreign land. The drift of their conversation is one of the most striking instances on record of the power of conscience ( Genesis 42:21 Genesis 42:22 ).
24. took . . . Simeon, and bound him--He had probably been the chief instigator--the most violent actor in the outrage upon Joseph; and if so, his selection to be the imprisoned and fettered hostage for their return would, in the present course of their reflections, have a painful significance.
25-28. Joseph commanded to fill their sacks with corn, and to restore every man's money--This private generosity was not an infringement of his duty--a defrauding of the revenue. He would have a discretionary power--he was daily enriching the king's exchequer--and he might have paid the sum from his own purse.
27. inn--a mere station for baiting beasts of burden.
he espied his money--The discovery threw them into greater perplexity than ever. If they had been congratulating themselves on escaping from the ruthless governor, they perceived that now he would have a handle against them; and it is observable that they looked upon this as a judgment of heaven. Thus one leading design of Joseph was gained in their consciences being roused to a sense of guilt.
35. as they emptied their sacks, that, behold, every man's . . . money was in his sack--It appears that they had been silent about the money discovery at the resting-place, as their father might have blamed them for not instantly returning. However innocent they knew themselves to be, it was universally felt to be an unhappy circumstance, which might bring them into new and greater perils.
36. Me have ye bereaved--This exclamation indicates a painfully excited state of feeling, and it shows how difficult it is for even a good man to yield implicit submission to the course of Providence. The language does not imply that his missing sons had got foul play from the hands of the rest, but he looks upon Simeon as lost, as well as Joseph, and he insinuates it was by some imprudent statements of theirs that he was exposed to the risk of losing Benjamin also.
37. Reuben spake, . . . Slay my two sons, if I bring him not to thee--This was a thoughtless and unwarrantable condition--one that he never seriously expected his father would accept. It was designed only to give assurance of the greatest care being taken of Benjamin. But unforeseen circumstances might arise to render it impossible for all of them to preserve that young lad ( James 4:13 ), and Jacob was much pained by the prospect. Little did he know that God was dealing with him severely, but in kindness ( Hebrews 12:7 Hebrews 12:8 ), and that all those things he thought against Him were working together for his good.


text:
Like every vehicle in its portfolio including the all-new A3 Audi of America is proud to present an experience that balances luxury and performance: The 2014 Audi quattro Cup.
As part of the largest amateur golf tournament in the world, the American tournaments will host over 6,000 golfers vying for a chance to advance to the U.S. Final at Pebble Beach Resorts. From there, two teams will embark on an epic odyssey to Dubai as representatives of Audi of America at the World Final.
Scheduled for August 2124, the U.S. Final at Pebble Beach will be the culmination of yet another record-breaking tournament season and a celebration of amateur golf without rival.
To become part of the 2014 Audi quattro Cup, simply click on the links above for specific information or to begin the registration process. Should you have any questions, please call Audi Tournament Headquarters at + 1 877 446 5389.

subset: commoncrawl


text:
Largest flag unfurled in Romania
Next video starts in : 7 Play
Largest flag unfurled in Romania
NFL says 'No more'
NFL says 'No more'
Now watching Up nextLargest flag unfurled in Romania
1,500 views
The world's biggest flag has been unfurled by the residents of a village in Romania.
Now watching Up nextNFL says 'No more'
This Sunday is the the Superbowl. With millions of viewers tuning in, the NFL and No More, an anti domestic abuse advocacy group, partnered up for a good cause. A 30 second PSA will air during the game, promoting awareness about domestic abuse, a problem that has plagued the NFL this season. Yahoo News and Finance Anchor Bianna Golodryga talks with retired NFL player Chris Kluwe; Anne Glauber, one of No More's founders; and Eric Adelson of Yahoo Sports.
Now watching Up next'Suge' Knight Interviewed Following Fatal Crash
The rap mogul was identified as a person of interest after a deadly hit-and-run.
Now watching Up nextIslamic State Hostages' Fate Unknown After Deadline
Jan. 30 -- Bloomberg's Brendan Greeley reports on today's top news stories from around the world on "Bloomberg Surveillance."
Now watching Up nextObama official criticizes Israeli Ambassador over Netanyahu speech
FNC political analyst Julie Roginsky, FNC contributor Judy Miller and FNC's Jedediah Bila on the tense relationship between the Obama Administration and Israel.
Now watching Up nextWhite House not open to Keystone, but open to ocean drilling?
Former Interior Secretary Gale Norton on the Obama Administration's energy policies.
Now watching Up nextWhat Does Being Middle Class Mean in America?
Jan. 30 -- Howard Lindzon, founder and chairman at Stocktwits, and Bloomberg's Phil Mattingly discuss President Barack Obama's focus on middle class economics and what it means to be middle class in America. They speak on "Bloomberg Surveillance."
Now watching Up nextDisneyland measles outbreak explained in under a minute
Measles was eradicated in the U.S. in 2000. Recently there has been has been a surge of measles outbreaks in Disneyland. 70 people have contracted the highly contagious disease.
Now watching Up nextSpanish anti-austerity party rally draws tens of thousands
Tens of thousands march in Madrid for Spanish anti-austerity party Podemos, whose policies and surging pre-election popularity have drawn comparisons with Greece's new Syriza rulers. Yiming Woo reports.
Now watching Up nextUS Coast Guard Rescues 5 From Damaged Boat
The US Coast Guard rescued five people from a damaged sailboat around 200 miles off the coast of North Carolina on Friday, January 30. The boat's mast broke while battling 40mph winds and 13-foot seas southeast of Cape Hatteras. A helicopter and airplane were launched just before 3.30pm. All five people on board were hoisted to safety by the MH-60 Jayhawk helicopter crew and transported to a local airport in good condition.See more from the US Coast Guard here. Credit: DVIDS


text:
Your Link is Broken – Our Apologies
Welcome to the New moosejaw.ca!
The City of Moose Jaw launched its newly designed website at 8:00 PM January 23, 2012 so you current favorite links and bookmarks may not match as we have a new structure. Finding what you were looking for has gotten even easier though, so please update your bookmarks and favourites as you explore the new moosejaw.ca – Surprisingly Unexpected!
Please contact us if you have any questions or concerns.


text:
Cars > rtrenum's Garage
About rtrenum's Garage
About me and my passion for cars
I wish the world was full of malt shops, drive ins, and 1/4 mile strips.
My first car
68 Pontiac Firebird
My dream car
68 Roadrunner
- Type of racing: Drag
- Driver: Dick Landy
- Driving song: East bound and down
- Car movie: Hi-Riders, American Graffiti
- Car book: Anything Mopar
- Car magazine: Anything Mopar
— Profile last updated: Dec 29, 2008
rtrenum's Groups 1 – 2 of 2
Enthusiast Groups
American Muscle Mania Enthusiast
If your into American Muscle cars, Pony cars, classics, Trucks and/or motorcycles, I mean machines that show what its all about...... Then friend we are here for you! The idea here is for all us enthusiast to combine together to keep the hobby alive and help each other along. To help one another...
New York, United States
Trucks USA Enthusiast
Club Groups
We are The "MECCA" of Mopar Clubs.
Bringing together Mopar enthusiasts from all over the world. It's FREE to join, the only requirement is that you have Mopar on the brain.
If you are interested in...
Kansas, United States
This Car Club is a firm beliver in having fun but in a safe inviroment, thier is a time & a place for every thing.So If your going to race -Race the Strip not the Streets- One life lost is one to many!We believe in giving back to the community! When the Club has Car shows everyone is welcome to...
Ohio, United States
Business Groups
Phoenix Specialty Coatings Business
PHOENIX SPECIALTY COATINGS Where Your Parts Are Reborn Professional powder coating geared specifically to the automotive / motorcycle enthusiast and pro builder. I'm a custom one-off and Mopar parts restoration specialist. PSC's Business Group was the first powder coating shop to appear...
Tennessee, United States
rtrenum's Events
Date | Title |
May 21–22, 2010 | CRUISING ON THE RIVER |
Jan 23–25, 2009 | 39th Annual O'Reilly Auto Parts World of Wheels |
Cars > rtrenum's Garage


text:
the bump
You're almost there. Log in if you're a member or join now to connect to Facebook.
Request a new password
popular: ovulation calculator
Find your most fertile days and start TTC >>
moms love: pregnancy calendar
Count down to delivery with your calendar >>
moms love: your baby this week
Sign up to receive weekly updates on your baby >>
moms love: baby name finder
Search through 1000s of baby names >>
moms love: personalized tickers
Track TTC, pregnancy, or baby's age >>
moms love: pregnancy week by week
Let us guide you along week-by-week!)
powered by:
>> Click here
Celeb bump alert! Which celebrity is due for a stork visit next? Will it be Kate Middleton? Or Jennifer Aniston? Will it be a boy? Or a girl? Twins? Get the latest celebrity pregnancy news here and get loads of other fun stuff like our favorite celebrity baby names of all time. The names on our A-list include Harlow, Gideon, and Willow Sage. Pop quiz – who are the proud parents of these cleverly named kids? Harlow is Nichole Richie's and Joel Madden's daughter, Gideon is the son of Neil Patrick Harris and his partner David Burtka, and Willow Sage is the daughter of pop star, Pink and her hubby, Carey Hart. How about the craziest celebrity names of all time? We can't stop scratching our heads over Buddy Bear Maurice (son of Jamie Oliver), Banjo Patrick (son of Rachel Griffiths), and Moroccan and Monroe (son and daughter of Mariah Carey and Nick Cannon). Celebrity pregnancies are just like regular pregnancies except that stars spend their entire pregnancy being chased by the paparazzi and after delivery, celebs drop the baby weight before a normal mom has even made it back home from the hospital. How do they do it?! From first-time mamas to super-star couples expanding their broods, we have the latest celebrity pregnancy news, baby announcements, maternity fashion, tot styles, and baby names here. And if you really don't want to miss a thing in the world of celebrity pregnancy, sign up for our celeb birth announcements.
Find baby registries (at top retailers!) and websites with one easy search.
what's hot around the web
Next >
1 of 10
Levi McConaughey is on the fast track to being a heartbreaker. With his blazer and luscious locks, he's a perfect mini-me of dad. Alright alright alright.
See More: Celeb News


text:
Cars > Monte_Momma's Garage
About Monte_Momma's Garage
About me and my passion for cars
I grew up in the shop, helping my Dad do everything from body work and paint to mechanical work on cars, trucks, motorcycles etc… I know a lot, but not everything, I am still picking up things from him and others all the time. I love to work on my autos. (New and old.) I love to restore and to do custom work on autos as well as the normal fixes such as oil changes, breaks etc…. I go to shows regularly and show my custom car, and before I had a car to show, or could drive, I went to shows with my Dad when he was showing his car, and or just to look…
My first car
1986 Sunbird
Car I wish I still had
1972 Chevy Monte Carlo
(was hit and ran when I was in school 1999) See my other car in my garage.
My dream car
My current 1971 Chevy Monte Carlo, just finished. (it is under construction, have a few odds to do and it is done.)
Car clubs I'm in
First Generation Monte Carlo Club, Street Dreams (of Indianapolis, IN) and a Rep of World Motor Sports Breast Cancer Foundation.
- Type of racing: street
- Driver: me ;)
- Driving song: Show Stopper, Chrome, 2mph, Call me the breeze, Lowrider, Lollypop, and more....
- Car movie: Gone in 60sec., Christine, American Graphite, Fast & the Ferrous (Tokyo drift), Transformers and more...
- Car magazine: Super Chevy, Lowrider, Mini-Truck, DUB, Gauge and more...
- Car game: who needs a game, I just drive my Monte... :)
— Profile last updated: Jun 5, 2013
Date Joined | Mar 29, 2007 |
Trophies | |
Garage Views: | 35,912 |
Challenges | W: 29 L: 12 |
Blog Posts | 4 view |
Photos | 636 photos in 17 albums |
Videos | 16 view |
Cars | 2 view |
Parts |
Monte_Momma's Groups 1 – 3 of 4
Enthusiast Groups
Cool Ride of the Week alumni Enthusiast
This group is exclusive to Cool Ride of the Week alumni. Our goal is to promote Motortopia and make the Motortopia experience great for all members. We hope to expand on this soon! I really need member input and ideas. Jerry
California, United States
MONTE CARLOS of MOTORTOPIA Enthusiast
Open to anyone with a Monte Carlo,that loves their car and likes to talk and fellowship with other Monte Drivers .Here for support & fellowship Monte Carlo Lovers Unite.
South Carolina, United States
Official Motortopia Group -... Enthusiast
Club Groups
Low Budget Customs Club
Low Budget Customs ~ "Don't Let The Name Fool You" We are a registered non-profit Car, Truck and Motorcycle Club that is open to everyone as well as every make, model, and style of ride out there. We promote the automotive hobby and the fellowship of enthusiasts of all types. Be it Custom,...
Indiana, United States
Business Groups
Phoenix Specialty Coatings Business
PHOENIX SPECIALTY COATINGS Where Your Parts Are Reborn Professional powder coating geared specifically to the automotive / motorcycle enthusiast and pro builder. I'm a custom one-off and Mopar parts restoration specialist. PSC's Business Group was the first powder coating shop to appear...
Tennessee, United States
Strong Keepsake Images Business
To all my Motortopia friends! WOW!! It's been a long time since I have been to Motortopia! Seems I have been spending a lot of time on Facebook these days. Check out my STRONG KEEPSAKE IMAGES Fan Page on Facebook Also be sure to check out my NEW IMPROVED website Looking for a GREAT CUSTOM...
Connecticut, United States
Monte_Momma's Events
Date | Title |
May 23, 2010 | Cool Cars for a Cure |
May 8, 2010 | Winged Warrior Performance Challenge & Car Show |
Nov 14, 2009 | World Motorsports Breast Cancer Car and Bike show |
Monte_Momma's Garage Comments 1 – 3 of 23
Log in to post comments.
Read comments on Monte_Momma's garage (23)
- Aug 28, 2012 at 7:20 am
- Nice work on the Monte!
- Sep 17, 2010 at 9:06 am
- Hi Thx for the add!!! Sweet ride
- Apr 27, 2010 at 1:29 pm
- Just going through our CROW membership to say hi. Congratulations on your car being picked for CROW a while back. Making you a fellow member of 'Cool Ride of the week'. alumni....Welcome to the club!
Monte_Momma's Car Garage Blog 1 – 3 of 4
Fan Page
Jun 16, 2011
Hi everyone… I would like to invite you all to come become a fan of my Cancer/Charity Monte on FaceBook. Trying to get at least 1,000 fans by October 2011. So if you are on...
Elite Streetz Magazine Feature
Jan 4, 2010
Jan 2010 My Custom 1971 Monte Carlo was featured to help kick off the efforts of Elite Streetz on helping the World Motor Sports Breast Cancer Foundation (WMSBCF) that I donate...
Getting Involved...
Jul 22, 2009
Filed under: 1971 Chevrolet Monte Carlo (Alizé LowRod)
Ok, Now that my Monte is 2-tone candy pink, I figured; why not use it to help people on top of just having it look good at shows and out and about... So I have now volunteered...
Cars > Monte_Momma's Garage


text:
Good News Day Camps
Monday, August 12, 2013, 9:30 AM - Friday, August 16, 2013, 3:00 AM
For directions click the following link: Cowanesque State Park
Child Evangelism Fellowship of Tioga County is hosting a Good News Camp at Cowanesque Valley State Park in Elkland for children ages 6-12 Monday-Friday, August 12-16th from 9:30am-3pm. Cost is $25, transportation provided. For more information call 570-724-4591.


text:
Should welfare funds be spent at a carnival? It's allowed
The carnival also had a sign stating, "EBT accepted here."
The California Electronic Benefit Transfer card is essentially a taxpayer-funded debit card with food and cash aid. EBT cards are used by people pulling public assistance from the state.
Pam Holiwell, assistant director at the Kern County Human Services Department, says the card is meant to help people buy food, pay rent and utility bills, and buy necessary clothing and supplies.
So, is a carnival a necessary place for EBT acceptance?
Michael Weston of the California Department of Social Services didn't address that question directly but issued this statement Monday on EBT's purposes and restrictions:
"If an authorized retailer already has Point Of Sale equipment, EBT transactions can be processed through the retailer's existing equipment once the hardware is set up and/or programmed to accommodate EBT transactions. This can be done without any additional authorization or approval from either the state or federal government. However, The State of California currently monitors the locations of ATM's which accept EBT and restricts access for EBT Card holders in 14 specific types of business do not fall in line with the intent of the program -- which is to assist individuals in providing the necessities of food, clothing and shelter. These restrictions are enforced on an ongoing basis and include gambling establishments; adult entertainment establishments, non-FNS authorized liquor stores, bail bonds, bingo halls, cannabis shops, cruise ships, gun/ammunition stores, nightclubs/saloons/taverns, psychic readers, race tracks, smoke shops, spa/massage salons, and tattoo/piercing shops. The State continues to monitor EBT locations to ensure they fall within these policies."


text:
Wilmington Country Club features two world class golf courses, a learning center and heated hitting bays to practice your swing and stay tuned year round. They have tennis facility with twenty courts including eleven clay courts, two outdoor hard courts, four grass and three indoor courts. A squash facility with three international singles courts and two hardball doubles courts and members may enjoy a game of paddle at a new state of the art facility and relax at the "Hut" afterwards. They also have a fitness facility, competition sized heated swimming pool with family locker rooms.
Wilmington Country Club is also the perfect event venue for members and their guests. The facility is designed to accommodate every need ranging from a business meeting or intimate gathering for only a few to a reception or wedding for hundreds.


text:
Fancy Creek Range
Location: Fancy Creek Range, Tuttle Creek State Park
Type: Kids Day at Range
Date: Saturday, June 28, 2014
Contact: Tuttle Creek State Park
Phone No: 785-539-7941
Time: 8:00 am - 4:00 pm
Other Information:
An instructional day of shooting at the range for kids. Contact Park office for a brochure. Cost is only $10 per kid to cover costs of ammo. Class for ages 8 -15.


text:
Claim Your Business
Is this your business?
With a free Houzz profile, you can:
- Be found by over 20 million homeowners
- Create a free, beautiful, mobile-ready website
- Collaborate with clients more effectively
2,976,473 Other Professionals
Minneapolis, MN, 55426, United States
Best of HOUZZ 2012, 2013, 2014 & 2015 | With locations in Minnesota and Texas, we work with homeowners and builders to design and furnish homes from coast to coast. Whether you... Read More
Millbrook, NY, 12545, United States
We design new homes, additions, and renovations, and provide green solutions in New York, Massachusetts, Connecticut, Virginia and beyond.
Established in 1985 and located in... Read More
Edina, MN, 55436, United States
John Kraemer & Sons, Inc. is a luxury residential builder and remodeler, based out of Edina, Minnesota.
Founded in 1978 by Gary Kraemer & his late father John, the firm... Read More
Silver Spring, MD, 20903, United States
Kids, pets, work...who has time to decorate? That's where we come in, creating mess-free, stress-free homes that you can really live in, no matter who or what you live with. We... Read More
Seattle, WA, 98103, United States
A "Best of Houzz 2014 & 2013" design winner, Seattle Staged To Sell is a Home Staging and an Interior Design company where every relationship matters. Whether you are selling... Read More
San Marino, CA, 91108, United States
I love interior design and all things houses. It has been my great privilege to create spaces over the last twelve years for a varied and loyal clientele. The collaborative nature... Read More
Miami, FL, 33127, United States
Miami Interior Design
Britto Charette Interior designs reflect the modern tastes and design demands of today's discerning global clients. Our bilingual and well-traveled team... Read More
Washington, DC, 20011, United States
Four Brothers LLC is a full service Design/Build firm serving the Washington, DC metropolitan area. Our skilled team of architects, designers and craftsmen share a commitment to... Read More
Portland, OR, 97214, United States
Garrison Hullinger Interior Design Inc. consists of the principal designer and twelve additional designers, we excel at managing each individual project with personal attention to... Read More
Pittstown, NJ, 08867, United States
Liquidscapes is committed to designing and building fine quality pools and landscapes for the tri-state area. We have dedicated 37 years to our craft, disciplines, process and... Read More
San Francisco Bay Area - Cupertino, CA, 95014, United States
Best of Houzz 2015, 2014, 2013, 2012: San Francisco Bay Area Custom Home Builder and Remodeling Contractor known for personalized service, quality workmanship, and green building.... Read More
Pleasant Hill, CA, 94523, United States
Joseph Huettl is a landscape architect and landscape contractor specializing in residential and small to medium scale commercial and institutional projects. Huettl Landscape... Read More
Austin, TX, 78746, United States
Founded in 1989, Cornerstone Architects is an architectural design firm based in Austin, Texas. Cornerstone specializes in architecture and interior design for both residential... Read More
Los Angeles, CA, 90034, United States
Lori Dennis, ASID, LEED AP is an internationally known celebrity Interior Designer, speaker, best- selling author and star of HGTV's The Real Designing Women.
Partnered with... Read More
Burnsville, MN, 55337, United States
Imagine the home you've always dreamed of — a place of light and laughter, warm and welcoming to family and friends. Now imagine bringing that vision to life.
Highmark... Read More


text:
Track my order(s)
Cart is empty
Toll Free - 1-888-501-9130Mon - Sat 9am - 6pm & Sun 10am - 5pm PST
FREE SHIPPING on all orders over $49!All other orders ship for $5.95!
CODE: Vulli Teething Rings
Soft, natural rubber teething rings are just the thing for those tiny hands and budding teeth. Help your little one safely explore the world, and cut those... More →
CODE: Sophie Teething Ring
This adorable teether is part of the popular Sophie the Giraffe collection. This popular teether is made from 100% natural rubber. The rings each... More →
CODE: Chan Pie Gnon
These cute mushrooms are ready to play with your baby. Cham, Pie and Gnon are made from natural rubber in France. They are painted only with food-safe... More →
For lots of bathtime fun and splashing! Here comes Sophie the Giraffe again, this time as a floating, squirting toy for baby to play with in the bath.... More →
CODE: Sophie Teether
Sophie the Giraffe Sophie the Giraffe is a classic! Babies have loved Sophie for decades. Moms love Sophie because they can be assured Sophie is... More →
© 2006-2015 Angel Bunz. Powered by Shopping cart system


text:
The outdoors are rough. There's no sugar coating it. The elements must always be taken into account. With the new Trophy Cam™ HD from Bushnell though, you can render those worries moot. It has an all-new, extremely aggressive design, removable "ARD" LED shield, strengthened cable lock channel and an improved latch for maximum ruggedness.
Inside the technology ups the ante with an 8-AA size case, black LED array, extended night vision capabilities and 1080p HD video capabilities with audio recording. And with a one-year battery life and solar panel compatibility, you won't have to worry about it running out of juice in key situations. All to ensure the Trophy Cam™ HD delivers industry-leading reliability and ruggedness to help you hunt better!
All-new case design with removable 'ARD' LED cover, No-Glow Black LEDs, strengthened cable lock channel and an improved latch for maximum ruggedness.
Same all-new awesomeness as the Trophy Cam HD, plus Realtree Xtra camo.
The classic feature packed Trophy Cam HD.
The classic feature packed Trophy Cam HD, wrapped in Realtree Xtra camo.


text:
Colorful seabirds make a surprise appearance in California.
(AP) FBI releases photos of San Francisco gold nugget thieves SAN FRANCISCO (AP) — The FBI has released photos made from surveillance video of three masked thieves stealing historic gold nuggets on display at a San Francisco bank museum after ramming a stolen SUV through its revolving door. Full Story |
Lawyer says Suge Knight was behind wheel in deadly crash COMPTON, Calif. (AP) — A lawyer for Marion "Suge" Knight says the Death Row Records founder was at the wheel of a car that struck two men, killing one, in a Los Angeles suburb. Full Story |
(AP Photo/CBS, Lou Bopp) David Letterman wants Jay Leno to appear on show Former "Tonight Show" host has been invited to appear with old rival before CBS host retires in May. |


text:
Or find a doctor at another Johns Hopkins Medicine member:
David Michael Euhus, MD
Professor of Surgery
Out of State Patients
Call 410-464-6641 (8a.m. to 6p.m., EST, Mon-Fri)
International Patients
Call +1-410-502-0773 (7a.m. to 6p.m., EST, Mon-Fri)
- Director, Breast Surgery
- Professor of Surgery
- Professor of Oncology
Centers & Institutes
- Breast Center
- Sidney Kimmel Comprehensive Cancer Center
Breast Biopsy, Breast Cancer, Breast Cancer Prevention, Breast Conservation Surgery, Breast Disease, Breast Surgery, Breast Surgical Services, Breast Tissue Expander, Cancer Genetics, General Surgery, Genetics, Lumpectomy, Mastectomy, Nipple-Sparing Mastectomy, Surgical Oncology
David Euhus, M.D., joins the Department of Surgery as chief of breast surgery in the Division of Surgical Oncology. He comes to Johns Hopkins from University of Texas (UT) Southwestern Medical Center, where he was the Marilyn R. Corrigan Distinguished Chair in breast cancer surgery and co-director of the Mary L. Brown Breast Cancer Genetics and Risk Assessment Clinic in the Center for Breast Care.
Dr. Euhus has dedicated his career to understanding breast cancer at the molecular level to determine the most effective treatments for it and will continue this work at Johns Hopkins. His research has included using fine needle aspiration to evaluate DNA for acquired changes that lead to a higher risk of breast cancer, as well as examining the link between high blood glucose or higher body mass indexes and breast cancer. His research on breast cancer genetics and defining biomarkers for breast cancer help define who should be tested for genetic risk of breast cancer and how to proceed upon finding a genetic link.
In addition to his special interest in the treatment of high-risk patients with genetic predisposition or familial history of breast cancer, Dr. Euhus specializes in breast surgery procedures that include nipple-sparing mastectomy and hidden incisions to reduce visible scarring.
Dr. Euhus is a member of the Society of Surgical Oncology, the American Society of Breast Surgery and the American Society of Clinical Oncology.
- English
- American College of Surgeons
- Society of Surgical Oncology
- American Society of Breast Surgery
- American Society of Clinical Oncology
Education +
- Saint Louis University School of Medicine (Saint Louis MO ) (1984)
- UCLA Medical Center / Surgery (Los Angeles CA ) (1991)
- Nottingham City Hospital / Breast Surgery (Nottingham) (1990)
- UCLA Medical Center / Oncology (Los Angeles CA ) (1988)
- American Board of Surgery / General Surgery (2010)
Research & Publications +
Academic Affiliations & Courses +
Activities & Honors +
Videos & Media +
Johns Hopkins Surgical Oncologists Get Personal
Learn more about Johns Hopkins cancer surgery at hopkinmedicine.org/surgery. The surgical oncology team at Johns Hopkins gets personal as they speak about their role in treating their patients and what the Promise of Medicine means to them.
Meet Our Expert - Dr. David Euhus
Dr. David Euhus is the chief of breast surgery in the Division of Surgical Oncology at Johns Hopkins. Dr. Euhus specializes in in breast surgery procedures that include nipple-sparing mastectomy and hidden incisions to reduce visible scarring. He also has extensive research in breast cancer genetics. Visit www.hopkinsmedicine.org/breastcenter.
Events +
Contact & Locations +
The Johns Hopkins Hospital600 N. Wolfe StreetSheikh Zayed TowerBaltimore, MD 21287Phone: 410-502-0197Appointment Phone: 443-997-8282Location MapJohns Hopkins Outpatient Center601 N. Caroline StreetBaltimore, MD 21287Phone: 410-502-0197Appointment Phone: 443-997-8282Location MapJohns Hopkins Medicine - Green Spring Station10753 Falls RoadPavilion II145Baltimore, MD 21093Appointment Phone: 443-997-8282Location MapDepartment/Division
- Surgery


text:
Use this form to get a username and password!
Nicara was something special man. Believe this or not she was a vaginal virgin and so she requested only anal intercourse. Damn was she fucking smokin, which made it so freaking difficult to comply with her wish. On top of that she had a sweet, juicy, plump twat. They dont come any sexier man. Check out how Nicara works her body and those fucking drive you crazy eyes of hers.


text:
Fallen: The Flowers of Evil
You've seen a lot as a doctor, but after making a simple house call, you stumble into a supernatural investigation. A little girl is suffering a high fever after being attacked by a monster, and she's not the only one. The city is quarantined as mysterious flowers begin to sprout all over Blackburn. Who's behind this? How are all the clues connected? There's only one way to find out, in Fallen: The Flowers of Evil, a mysterious Hidden Object Puzzle Adventure game.
- Play as a doctor and search for clues!
- Use your wits to solve puzzles
- Explore the town of Blackburn
- Gather clues and question suspects
Game System Requirements:
- OS: Windows XP/Windows Vista/Windows 7/Windows 8
- CPU: 1.0 GHz
- DirectX: 9.0
- Hard Drive: 957 MB
Game Manager System Requirements:
- Browser: Internet Explorer 7 or later
The Big Fish Guarantee:
- Quality tested and virus free.
- No ads, no adware, no spyware.


text:
I signed up for DirecTV in 1995. The cost was $29.95/month. There were about 70 channels, and many of the popular ones were not included because they were on USSB. There was no HD, and no DVR option. Local channels were not available, except in NYC and LA.
Today, I have an HD DVR and 250 channels, plus locals. That's 3.5x more channels. 3.5x $29.95 would be over $106/month. The package price for AT250 is about $85, including all DVR fees. This assumes a fixed dollar, but inflation over that period would indicate the price should be about double that, so about $212/month just based on channel prices.
Granted, this is a snapshot, not a long-term historical comparison. Still, it puts things in perspective, does it not?
So, I've got to ask, are you watching 350% (3.5x in percentage terms) more TV today, compared to 1995?
If you're a median household, you're watching just 13% more TV.


text:
(SportsNetwork.com) - The Detroit Pistons have reportedly fired head coach Maurice Cheeks.
According to Yahoo! Sports, general manager Joe Dumars made the decision on Sunday morning with pressure mounting from ownership for a change.
The Pistons are coming off back-to-back wins this weekend, but are just 21-29 for the season. Despite the dismal record, Detroit enters Sunday's action just one-half game behind eighth-place Charlotte for the final playoff spot in the lowly Eastern Conference.
Cheeks was in his first season with the Pistons. He had previous coaching stops in Portland (2001-05) and Philadelphia (2005-09) and owns a career mark of 305-315. He guided teams to the postseason three times in eight years, but never won a playoff series.
The Pistons have missed the playoffs each of the last four seasons, two under John Kuester and two under Lawrence Frank.


text:
There's a celebration on the Island of Sodor! Thomas and his faithful coaches Annie & Clarabel are decorated for the festivities and ready to pick up and drop off passengers at Knapford Station. Sir Topham Hatt is at the station to make sure they stay on track and on time!
Material: Toy Set
Brand: TOMY
Origin: Imported
Toymaking juggernaut TOMY is the leading global designer of toys that both kids and parents can get behind, including Battroborg, Chuggington, Jim Henson's Dinosaur Train, John Deere Preschool, Lamaze, Gearation, Pajanimals, Pokemon, Tomica Hypercity and Thomas the Tank Engine. Founded in Japan in 1924, Tomy has long been at the forefront of innovative and exciting children's toys, eventually merging with fellow toy titan Takara in 2006; company HQ is in Katsushika, Tokyo. Old and vintage TOMY toys remain in hot demand, a testament to their enduring appeal. TOMY's goal is to inspire and fulfill the dreams of kids and parents across the planet by never taking for granted the role that toys play in a child's inner life and creative development. They're doing pretty well – kids and growns alike ask for TOMY toys by name.


text:
On Sale Now
Recent News
Signed copies of John's books are now available!
Keynote Speaker!
John has been selected as the keynote speaker for the Bossier City Arts Council's annual Author School Residency program. For three days in February he will be talking to public school students in Northern Louisiana on writing, rocket science, and everything in between!


text:
The Global Intelligence Files,
files released so far...
Index pages
by Date of Document
Our Partners
Al Akhbar - Lebanon
Al Masry Al Youm - Egypt
Asia Sentinel - Hong Kong
Bivol - Bulgaria
Carta Capital - Brazil
CIPER - Chile
Dawn Media - Pakistan
L'Espresso - Italy
La Repubblica - Italy
La Jornada - Mexico
La Nacion - Costa Rica
Malaysia Today - Malaysia
McClatchy - United States
Nawaat - Tunisia
NDR/ARD - Germany
Owni - France
Pagina 12 - Argentina
Philip Dorling - Fairfax media contributor - Australia
Plaza Publica - Guatemala
Publica - Brazil
Publico.es - Spain
Rolling Stone - United States
Russian Reporter - Russia
Ta Nea - Greece
Taraf - Turkey
The Hindu - India
The Yes Men - Bhopal Activists
Sunday Star-Times - New Zealand
Community resources
courage is contagious
The Global Intelligence Files
On Monday February 27th, 2012, WikiLeaks began publishing The Global Intelligence Files, over five million e-mails from the Texas headquartered "global intelligence" company Stratfor. The e-mails date between July 2004 and late December 2011. They reveal the inner workings of a company that fronts as an intelligence publisher, but provides confidential intelligence services to large corporations, such as Bhopal's Dow Chemical Co., Lockheed Martin, Northrop Grumman, Raytheon and government agencies, including the US Department of Homeland Security, the US Marines and the US Defence Intelligence Agency. The emails show Stratfor's web of informers, pay-off structure, payment laundering techniques and psychological methods.
B3*/G3* - UK/EU - Calls for Britain to cut EU ties after veto drama
Released on 2012-10-11 16:00 GMT
Email-ID | 771010 |
Date | 2011-12-10 15:13:37 |
From | firstname.lastname@example.com |
To | email@example.com |
List-Name | email@example.com |
Calls for Britain to cut EU ties after veto drama
Britain's dramatic use of its European Union veto after years of threats
has fuelled calls at home for a complete withdrawal from the bloc, with
London left more isolated than ever.
Prime Minister David Cameron went further than even "Iron Lady" Margaret
Thatcher ever did, leaving Britain alone in blocking a treaty across the
27-member EU to resolve the euro's debt crisis.
Cameron's position was largely dictated by the need to head off a revolt
from the "eurosceptic" wing of his Conservative party, even if it could
eventually weaken Britain's coalition government.
John Redwood, an arch Conservative eurosceptic, told AFP that Cameron "had
to do what he did".
"It was very disappointing that the rest of the EU leaders rejected the
PM's generous offer," he said, referring to Cameron's calls for an opt-out
for Britain that would protect the City of London financial services hub.
Redwood, a former Conservative leadership contender and one-time advisor
to Thatcher, said he personally would now push for a "different
relationship" with the EU if the remaining members formed a separate group
without Britain.
"And our position is very popular with the British public. I think I speak
for 70 to 80 percent of the population in what I have said," he said.
Bill Cash, another leading Conservative eurosceptic, agreed.
He said Britain was "now embarked on a very serious, responsible path
towards renegotiating in a fundamental way the whole of our treaty
relationship with the European Union."
In October, Cameron suffered the largest rebellion of his premiership when
79 Tory MPs voted in favour of a referendum on Britain's relationship with
Commentators said the implications of the veto would reverberate for years
to come, with fears that Britain could now actually be in a weaker
position to fend off majority EU directives targeting the City.
Dubbing it "Europe's great divorce", the Economist magazine warned that it
could also force euro-denominated transactions to move out of London and
into eurozone financial hubs such as Frankfurt.
The British veto in many ways distilled decades of tensions between
Britain and Europe, with reminders of the 1992 Maastricht treaty leading
to the creation of the EU when London held out against compulsory joining
of the euro.
It also harked back to the days of Thatcher, who reportedly banged her
handbag on the table at a 1984 European summit to demand a budget rebate
for Britain, but whose euroscepticism created deep divisions within her
own party.
In 2011, the move highlights Cameron's political troubles at home.
As well as his own party, Cameron faces trouble from junior coalition
partners the Liberal Democrats, who are traditionally more pro-Europe.
Lib Dem Deputy Prime Minister Nick Clegg expressed "regret" that there was
no EU deal, but insisted that Britain's demands for safeguards were
"modest and reasonable".
Clegg, who is married to a Spanish woman and once worked in the European
Commission, said however that he was "lifelong pro-European" and would
continue to argue "within government and with our European partners" on EU
But a Lib Dem member of the European parliament, Chris Davies, accused
Cameron of "betraying" Britain.
"By seeking to protect bankers from regulation, he has betrayed Britain's
real interests and done nothing in practice to help the City of London,"
he said.
Opposition Labour leader Ed Miliband also criticised the prime minister.
"David Cameron should be building alliances. The UK went into the summit
without them and the outcome showed we lacked influence," Miliband said.
British newspapers were divided on the issue, with some saying Cameron
took necessary action but others worrying about Britain's isolation.
The theme of Britain's testy relations with France were a constant,
The eurosceptic Daily Mail's website featured French President Nicolas
Sarkozy apparently dodging a handshake with Cameron, with the headline:
"Le Snub."
Click here to find out more!
Paulo Gregoire
Latin America Monitor


text:
America's best airlines of 2014
POSTED: 01:03 PM EDT May 15, 2013
UPDATED: 06:00 AM EDT May 15, 2014
These airlines are tops when it comes to customer satisfaction.
The views expressed are not those of this company or its affiliated companies. Please note by clicking on "Post" you acknowledge that you have read the Terms Of Service and the comment you are posting is in compliance with such terms.


text:
Nonprofit to celebrate 25 years of helping teens - Comments
We welcome your comments. Commentary and photos submitted to StarNet (azstarnet.com) may be published or distributed in print, electronically or other forms. Opinions expressed in azstarnet.com's comments reflect the opinions of the author, and are not necessarily the opinions of the Star, StarNet, or its parent company. See the Terms of Service and Privacy Policy for more information.
Our guidelines prohibit the solicitation of products or services, the impersonation of another site user, threatening or harassing postings and the use of vulgar, abusive, obscene or sexually oriented language, defamatory or illegal material. You may not post content that degrades others on the basis of gender, race, class, ethnicity, national origin, religion, sexual orientation, disability or other classification. It's fine to criticize ideas, but ad hominem attacks on other site users are prohibited. Users who violate those standards may lose their privileges on azstarnet.com.
You may not post copyrighted material from another publication. (Link to it instead, using a headline or very brief excerpt.)
No short set of guidelines such as this can spell out all possible instances of material or behavior that we might deem to be a violation of our publishing standards, and we reserve the right to remove any material posted to the site.
Deals, offers & events
View more...If You're in a Need of a New Fence, You Need Celebrity Fence! We are Your Local Experts! Call Today! - 520-235-8731
Call Today for a Free Estimate 520-235-8731
Before & After School care provided at Young Explorers School, call us today for more information.
We provide an active child care program to encourage growth in…
Retractable patio shades
Call today for more information!
Say cheese! Time to get the smile of your dreams! Dr. Roger C. Biede in Tucson offers a full list of cosmetic dentistry services including teeth whitening, veneers, crowns and more! Call today! 520-797-1240
We want to help you get the smile you have always wanted! Dr.…


text:
Here and there and everywhere
Kodak EBX
Taken by aexel with a Canon EOS 300 loaded with Kodak Elitechrome EBX film (available in our Online Shop) in Offenbach, Germany. These tags describe this photo: canon, eos, 300n, kodak, elitechrome, ebx, crossed, x-pro, home, developed, offenbach, capar, family, child, and boy. This photo can also be found in the album Here and there and everywhere.Please login to get more out of this site
You are currently not logged in, do so now to add comments, like articles as well as photos, submit to competitions, translate articles and gain access to unlimited photo upload! If you are not registered yet, go here to find out more about Lomography and join now! If you just want a limited account for now you can use Twitter or Facebook. We would love to have you as a member here!
8 people like this photo
Liking photos helps us to present the best ones to you and others. 8 people like this photo. 8 people like this photo: metaluna, he-mo, rik041, cycliste, nacarilegea, grazie, suizidekid, and weleasewoger72.
No comments yet, be the first
Where is this?
Nearby popular photos – see more
Nearby LomoLocations
Frankfurt Dippemess: Amusement for the Whole Family!
The Frankfurt Dippemess is the biggest amusement park and convention center in the Rhein-Mai…
Grossmarkthalle Ostend: Scary, Chaotic, Industrial - Perfect!
The Großmarkthalle is a huge market hall situated in Ostend, the eastern part of Frankfurt. …
Frankfurt Fleamarket: A Treasure for All, Mom Included!
The Frankfurt Fleamarket is definitely something that should be on tourist guides. It is a m…
Escape the City: Immerse Yourself In Twilight
I have once mentioned this incredible piece of art in an article, but now, months later, I s…


text:
School District Rejects Books Which Discuss EvolutionOn June 17 the Board of the Annville-Cleona School District voted to reject proposed 7th and 8th grade reading course textbooks. According to news reports in the Lebanon Daily News and Harrisburg Patriot-News board members objected to some of the topics presented, including evolution and "radical environmentalism". One board member was quoted as opposing one book "because it does include evolution stated as fact... Board of Education Requires Evolution for AccreditationOn June 7, 2002 the Nebraska Board of Education voted 5-2 to add the state's existing science standards, including coverage of evolution, to the official requirements for school accreditation. According to a report in the Omaha World-Herald, supporters of "intelligent design" had asked the Board to delay this step, hoping that the standards could be changed. The Board refused to do so. School District Supports "Intelligent Design"
The Board of Education of the Patrick Henry Local School District in Ohio has passed a motion supporting "the idea of intelligent design being included as appropriate in classroom discussions in addition to other scientific theories", according to an article in the April 16 issue of the Northwest Signal. Liberty University Student Urges Creationism in Pennsylvania Public Schools
A biblical studies student at Jerry Falwell's Liberty University has asked the school board in the Greensburg Salem, Pennsylvania, school district to teach "creation science" in science classes, according to an article in the Tribune-Review. A list of nine alternative textbooks for the 2002-03 school year has been submitted for consideration by the science department, leaving a final decision to the school board.
Pages |
News Alerts
Subscribe to NCSE's free weekly e-newsletter. Evolution and Climate Education Update Events
Support NCSE and the integrity of science education >> by joining, renewing, or donating.


text:
Build your own cloud infrastructure in your datacenter and remote sites on VMware vSphere®, the world's leading server virtualization platform.
Powerful Server Virtualization
Virtualize your x86 server resources and aggregate them into logical pools for allocation of multiple workloads.
Network Services
Get network services optimized for the virtual environment, along with simplified administration and management.
Efficient Storage
Reduce the complexity of back-end storage systems and enable the most efficient storage utilization in cloud infrastructures.
Robust Security
Protect your data and applications with the industry's most secure "bare-metal" server virtualization platform.
High Availability
Maximize uptime across your cloud infrastructure, reducing unplanned downtime and eliminating planned downtime for server and storage maintenance.
Consistent Automation
Lower operating expenditures and minimize errors by streamlining routine tasks with vSphere's accurate and repeatable solutions.
vSphere Blog
Check out the official vSphere blog for technical tips, best practices, answers to frequently asked questions and links to helpful resources.
Read the vSphere Blog


text:
I need one for a 24... any idea?
You might try calling weaknees.com and asking them if they have the fans in stock. I know they replace fans in HRs. They might tell you the size you need or you might have to buy the fan from them, but, at least, you'll get the proper size fan.


text:
equities -- even if they MIGHT return more -- may not be the best choice
twocentsworth wrote:Here's a question for you from someone on the verge of retirement: Which is less likely to lose a substantial amount of its capital over the next 15 years...a very, very large investment in T-Bills/GICs or a similarly large investment in equities? One is guaranteed. The other isn't. That's the point of the thread.
adrian2 wrote:twocentsworth wrote:Here's a question for you from someone on the verge of retirement: Which is less likely to lose a substantial amount of its capital over the next 15 years...a very, very large investment in T-Bills/GICs or a similarly large investment in equities? One is guaranteed. The other isn't. That's the point of the thread.
Instead of buying T-Bills which may yield peanuts, I'd say buy annuities or GLWB's if you want to have a chance of leaving something to your heirs. This way you've guaranteed yourself pensionized income for the rest of your life. If using GLWB's, I'd agree with the statement in FoF's book that one should aim for maximum allowed equity exposure inside the plan; after all the MER's are quite high, so let the insurance company underwrite equity risk for that annual wallop.
twocentsworth wrote:Let's use that couple with the $1.8mil as an example. $1.2mil is outside, with the rest in RRSPs. At even the current 3% rate for 5yr GICs, they'd be taking in $36,000 gross from non-registered. Split it tax-wise and most of it remains in the pot. And if they only go through $40,000/yr (they claim $30,000 but I think that's on the low side), that $1.2 would last a long time -- especially once CPP and OAS kicked in. If that couple were closer to 60, with less time to wait for those govt benefits, could you see a problem with fixed income only? Remember, their RRSPs are growing untaxed as another portion of the stash for later years.
twocentsworth wrote:Pass me the T-Bills, GICs, 10yr govt bonds and RRBs please. If I was going to get complicated, I'd just plonk 15% of the non-registered portfolio in broad-market equity dividend ETFs (after the crash).
I do like the 10 year bond letter idea to pick up another percentage point (~25% gain in return) and may go there myself when I get closer to a 50/50 asset allocation.
twocentsworth wrote:That brings us to so-called guaranteed products. One word to describe them: Complicated. They are not simple nor are they guaranteed by the government (like govt bonds, T-Bills and GICs). They are insurance products
twocentsworth wrote:Assuris has a cap so it isn't completely guaranteed either.
twocentsworth wrote:Nothing is guaranteed for as long as you live -- at least anything based on the stock market. If stocks and interest rates were to drop substantially and stay that way (think Japan again) where exactly would those "guaranteed" products get their payout capital from??
twocentsworth wrote:My form of preservation: Save a bundle.
twocentsworth wrote:Shareholders would not be impressed if the insurance company was stealing from them to pay the old geezer crowd.
twocentsworth wrote:I'll stick with govt guaranteed securities, thank you very much.
adrian2 wrote:No stealing at all, just meeting their contractual obligations, quite similar to their annuity commitments.
adrian2 wrote:Gold, guns and ammo - where do you draw the line?
twocentsworth wrote:adrian2 wrote:No stealing at all, just meeting their contractual obligations, quite similar to their annuity commitments.
Tell that to the stockholders who are having their dividends bagged and share price hit. Those combined obligations -- "g" products and annuities -- would be massive.
twocentsworth wrote:Wrong crowd? Better re-read ltr's comment.
twocentsworth wrote:Wrong crowd? Better re-read ltr's comment.
What many newbie readers of these thread's overlook is that a lot of the posters who push/favour equities also happen to have DB pensions (like yourself). Those of us who don't -- even if we KNOW that something else MIGHT return more -- may be better off just sticking with a tried-and-true simple plan. One big mistake or misstep along the way, and we don't have that DB cushion to fall back on. And I hate hitting hard ground.
I do indeed think that I'm preaching to the right crowd, albeit a segment that may only be lurking and not posting.
BTW I locked in years ago with 30yr govt strips paying 6.5%+ in the RRSP and that's served me well instead of the 10yr ladder. But well-priced RRBs should be a better bet with all that quantitative easing ready to burst out at the seams.
And let me re-emphasize the original point of the thread: You don't need equities if you save enough cash each year during your pre-retirement years which may number 30 or more. The important idea is to save the cash. Eventually it adds up, especially during your peak earning years. If you scrimped and saved and the stash now adds up to 1.5mil or beyond, a simple plan may be all you really need. Getting greedy may hurt you. If you want to add some long-life insurance, then "pensionize" about 30% of the remaining stash with annuities at RRIF time. That's still simple.
AltaRed wrote:twocentsworth wrote:Wrong crowd? Better re-read ltr's comment.
Maybe poor wording on my part, but I was agreeing with you. Too many on FWF have a love affair with equities and other 'sophisticated' investments. I see nothing wrong with a Retirement Plan built specifically on fixed income investments (under the right conditions).
Return to Retirement, Pensions and Peace of Mind
Users browsing this forum: steves and 6 guests


text:
Linda SmithDonna Hoch
Ask questions, get information
After visiting Leagues and elected officials in Colorado, I hopped a plane for a few quick days in Kansas City, Missouri. It was a pretty busy few days meeting with local election officials, League members, local media, and empowering high school students!
The League and its allies were successful in keeping voter ID bills from passing in a number of states including Colorado, Delaware, Iowa, Maine, Missouri, Montana, New Mexico, Oregon and Virginia. Only Kansas, Pennsylvania and Tennessee have passed voter photo ID laws that are currently in effect. In retrospect, thanks to the Leagues ongoing work, we are better off than we had anticipated when the legislative sessions began!
Didn't want you to miss this recent article in the National Journal! League President Elisabeth MacNamara and Senior Elections Director Jeanette Senecal are among the "foes" in this piece on how the "Foes of Voter ID Laws Find Ways to Mute Their Impact."
Date: August 29, 2011Location: St. Louis, MissouriEvent: ConferencePartners: Missouri Bar Association LWV U.S. President Elisabeth MacNamara, along with bar leaders from across the country, participated in The National Summit on Defending Merit Selection, sponsored by the Missouri Bar in St. Louis.
Therese Hansen is a member of the LWV of Seattle-King County
Join our online community


text:
Stylish Home Offices
You won't mind getting work done with a home office like one of these. See these 40 inspiring photos for the best decorating and design ideas. Plus: A One-Day Home Office Makeover with Nate Berkus
By Multiple Authors
World View
Pink Accents
In the wife's office in a Greenwich, Connecticut, house designed by Ashley Whittaker, pink lamps by Christopher Spitzmiller stand out against brown grass cloth by Winfield Thybony.
Casual Library
In this California beach cottage by designer Peter Dunham and architect Scott Laidlaw, the library's sleek white leather desk is stylishly paired with a sculptural oak Craftsman-style chair.
Eclectic Workspace
French Empire meets the space age in this eclectic San Francisco row house office: a Pictopia photo of the moon is a stark contrast to the antique fauteuil that Dhong paired with an Aviator Wing desk from Restoration Hardware.
Bright Floors
In the office of this whimsical Greenwich Village apartment, designer Fawn Galli chose a Ligne Roset desk to sit on a Madeline Weinrib rug.
Masculine Study
A Danish sofa, Moroccan tables, Swedish desk chair, and antique alpaca rug create an artful global mix in the study of this masculine southern California home designed by Parrish Chilcoat and Joe Lucas.
Casual Office
Inspiration Boards
In their country Vermont cottage, design couple and homeowners Deirdre Heekin and Caleb Barber pin inspiring images on linen pinboards from Pottery Barn." Our home office is in our bedroom, so we made the wall about dreaming," Heekin says.
Stylish Office
In Stan Topol's Atlanta office, an all-glass 1980s desk from Pace Collection floats between a Yale Burge bergère and an artfully layered antique farm kitchen worktable.
Designer's Desk
Antique Blue
Inspiration Space
Design inspirations and personal photos crowd linen-wrapped corkboards in the Stephen Shubel's California home office. A rare 19th-century French crystal ship chandelier hangs above the Olydesk and a Louis XV-style leather chair.
Loft Office
Designer Mark Egerstrom's loft office in his West Hollywood house serves as a mezzanine leading to the roof deck.
Neutral Tones
Colorful Office
Skyline View
Brown Study
In a Florida house designed by Jesse Carrier and Mara Miller, framed drawings in the library and study add pattern to walls covered in Donghia's Maestro Walls linen.
Simple Work Space
Office Nook
In Ken Fulk's Provincetown, Massachusetts, house, an upstairs office is tucked in a nook beneath the eaves.
Ocean View
Built-In Desk
A pull-down desk is built into the bookshelves in Bill Brockschmidt's New York City apartment.
Black and Gray
Washed Wood
In the 2012 Designer Visions apartment designed by David Rockwell, cork flooring covers one wall in the studio. The other is painted Benjamin Moore's French Toile. Blue denim Blue Note rug from Madeline Weinrib. Network sheers by Donghia.
Shared Space
Open and Industrial
Blue Media Room
Upholstered in Donghia's Edith, a paneled screen "creates a sense of movement" in a corner of the media room of the 2013 Designer Visions apartment designed by Jamie Drake. Light fixture, Crystorama.
Garage Makeover
Black and White Studio
Tight Space
Turret Office
Glamorous Study
Cozy Office
Casual Study
Serene Study
Office Makeover
Multipurpose Office Space
In a New York City apartment designed by Ashley Whittaker, one end of the living room is defined by a Madeline Weinrib rug; the Parsons table from Katch Design makes an eye-catching display surface. When entertaining, the desk is used as a dining table. C. Wonder throw pillows on Ballard Designs' Brigitte settee. The Benjamin Moore paint, Silver Half Dollar mixed with white, is "between lavender and gray to complement the upholstery." Stool, West Elm.
Striped Details
A desk chair is slipcovered in a cheerful stripe, Trasimeno by Designers Guild, in an Alabama house designed by Paige Schnell and Doug Davis of Tracery Interiors.
Detailed Ceiling
In a Chicago townhouse designed by Steven Gambrel, owner Jimmy Oppenheimer's sitting room features a ceiling covered in Chain Link from Phillip Jeffries. Conner sofa from Mitchell Gold + Bob Williams covered in Kravet's Smart.


text:
Heavenly Treasures, which opened originally in Sweetwater, then moved to Cleveland on Harrison Pike, has found its home near the homeless of Cleveland at 260 Broad St.
While the jam-packed store offers a homeless person a full wardrobe of a shirt, pants, socks, shoes, underwear and a coat for as little as $6, Sharon Loskey, owner of the charity-friendly store, said no one in need will be turned away as long as Heavenly Treasures has what someone needs.
Although the store could still use more volunteers, it has loyal supporters in volunteers like Larry Porter, Steven Howaid and his mother Charlotte who are giving back to the community.
"For those who are homeless there is a food bank in the back. For those who have no food, we offer food. For those who have no clothes, we offer free clothing," Steven said. "We want to help people get back on their feet financially. My mother came here the other day and bought two skirts for $2. The price tags on them were $49 a piece. For $100 worth of skirts, she paid only $2. So it's helping out tremendously for those who are in distress with their finances."
Loskey listed the price of every blouse and shirt in this place for men, women, boys and girls — $1 a piece. Pants are $1.50, while jeans are only $2. Prices decrease all the way down to .75 cents for a toddler. Then they become 50 cents. All suits — American Eagle, Aeropostale, Faded Glory — are only $3. All shoes for adults are $1.50. All kids' shoes are 75 cents. Coats are $3. Jackets and sweaters are $2."
According to Loskey and her volunteer staff, Heavenly Treasures could not be in a better location to meet the needs of the homeless in the community.
"We've had fire victims come in and we've offered free clothing and food to them," Steven said. "But we also let them know the impression we want to leave on them. We focus our attention on the Lord Jesus Christ and what he has done for us — we do for others."
Steven said he will personally go to the Johnston Park area where many homeless individuals wander around and let them know they are welcome to come into the newly located thrift store for needed supplies or just to associate with them and be reassured of God's love.
"Some have come down here and even wanted to volunteer," he said. "It's a blessing to be able to help them."
Foskey said she understands the plight of the homeless and helpless because it was once her own life. Living on the streets, wearing the same clothes, begging for a handout while trying not to give out, made Foskey a woman whose empathy and understanding of the homeless have proven a valuable commodity as she ministers to those in need.
"When God turned my life around and took me off the streets — delivering me from alcoholism and drug addiction — I truly began to understand about not storing up treasures on the earth where moth and rust corrupt, but to store up treasures in heaven," she said. "All my treasure is stored in heaven."
Now that she has made a 180 degree turn in her lifestyle, the 49-year-old charity worker is all about helping the underprivileged with a ministry focused on providing food and clothing for the needy at a cost even the homeless can afford.
"Through experiencing first-hand the pain that is out there in the world — how many people are doing without — they may look like they've got it together but really they don't. I've been there."
According to Foskey, 95 percent of the items in Heavenly Treasures are donated and in very good condition. She and volunteers personally inspect each item to make sure she is offering the best, explaining, "because God has given us the best He has."
Although her thrift store may prove to be a blessing to the needy, the Athens native said there is something she needs from the community.
"I need more volunteers," she said. "We need people who are willing to come in and give of their time to help out so I can go out and visit the churches and talk to the pastors. I am asking them if they will put a toy box or food box in the churches to collect toys and food for children. We need men's jeans and men's shoes. We're desperate for those. Also, we're asking the community to bring us sleeping bags, tents, backpacks, Coleman [camp] stoves, Coleman [outdoors] lanterns, cases of water and nonperishable canned good with the pull-top lids. I will be giving these items to the homeless starting the last of November."
Foskey said all donations by the community help pay the rent and utilities, and also purchase food.
"Whatever is needed. It's all going back into the ministry," she said. "My volunteers and I just want to be used to help those in need."
For further information, contact Sharon Foskey at 423-728-2211. Heavenly Treasures is open Monday through Friday from 10 a.m. to 5 p.m.


text:
So, look. I've never been Olive Garden. I'm maybe just a little bit (a little bit?) snobby about food, although I don't eat samples at the little gourmet stands in the grocery store anymore because of a sort of unfortunate incident with this lady who explained why grapeseed oil is so much better than olive oil so I was like, okay, I'll taste it. And it came in this strange little ramekin with grapeseed oil and bread and… a piece of paper. I just ignored the piece of paper, but apparently that' s not how it's done?
I learned this the hard way.
Anyway, the point of this is just to say that I understand the wrong end of food snobbery. I've experienced it. Been scarred by it, even. So while all the San Franciscans went crazy when the baby giraffe guy said his favorite restaurant is Olive Garden I sort of thought, eh, whatever.
Since then, my feelings have changed.
Olive Garden sounds magical and I am not being sarcastic when I say that. I'm kinda sorta extremely tempted to go there because I'm picturing unicorns – maybe it's Zeets' favorite restaurant too! – and enchanted forests and food that will make your dreams come true and things like that.
Or maybe I read too much terrible teen fiction?
Happy home opener, everyone!
Diamond Girl


text:
Your notepad is empty. You can use the notepad to temporarly store ads found in your searches by clicking the icon next to the ad.
©2015 Bulletin Board, Inc. All rights reserved. Use of this site signifies your agreement to the Terms of Service.
Bulletin Board, Inc. 425 Molton St., Montgomery, AL 36104 Office Phone: (334)272-1225


text:
Subaru of America is your destination for genuine 1999 Subaru Forester parts nationwide. Search through our extensive selection of Forester parts here and order direct from your local Subaru retailer.
We make it easy to shop online for parts that perfectly fit your Subaru Forester. Simplify your Subaru's maintenance with our simple, graphical parts search and friendly parts diagrams. Once you make your parts selection, choose a local retailer to order from by entering your zip code. Choose Subaru of America and our nationwide network of genuine Subaru parts retailers to be your source for 1999 Forester parts and accessories online.


text:
Black Friday Special!
This Freeman Combo features three guns and a compressor. Limited Supplies! $169.99
Teknatool Products 15% Off
Now is the best time of the year to get your NOVA and Teknatool fix! Shop & Save 15%
WoodRiver® 12" F Clamps now $3.99 each. Limited Supplies!
Look up product instructions, videos and articles about your favorite tools using our Learning Center.
Join us on your favorite social network! Share your projects and learn from other woodworkers.
Please Note: This item can only be shipped ground to the 48 contiguous states. Some items cannot be shipped via air due to being flammable, magnetic, contains batteries, hazardous fumes or where contents are under pressure. Please use a physical address not a PO Box during checkout.
(No reviews)
Product Information:


text:
Skydive Equipment
Vigil Loop Material, Roll
$25.00Vigil closing loop material is used for making reserve closing loops and pullup cords. Available in 50 meter and 200 meter spools of Dyneema Braid from Advanced Aerospace Designs. This cord has a breaking strength of 450 pounds. This is in stock at ChutingStar!
Learn More | Add to Wishlist | Add to Compare


text:
Financial aid contact information
Before contacting someone...
...have you tried asking the panther? The panther has answers to common questions - he could save you a lot of time!
See other students' questions about financial aid...
- How do I get my financial aid refund?
- I am expecting financial aid. Why was I dropped from my classes?
- I lost my job. Can I get more financial aid?
- When will I know if I get financial aid?
- I want to transfer from PCC to another school. Does my financial aid transfer with me?
- School has already started. Can I apply for financial aid?
- I signed up for financial aid. Why am I getting deleted for non-payment?
- I haven't reached the time limit of my financial aid. Why do I have to file a Timeframe Extension?
- I was attending another school, but now I want to go to PCC. Can I get my financial aid at PCC?
- If I am receiving Financial Aid (Title IV Federal Student Aid), will any of my AmeriCorps funds be affected?
Financial Aid Helpline
- Voice:
- 971-722-8888, option 4
- 1-800-735-2900
- Helpline hours:
- Monday to Thursday: 9am to 5pm
- Friday: 9am to 4pm
Financial Aid Offices
Campus | Location | Office hours |
Sylvania | CC 205 | Mon to Thu: 10am to 6pm Fri: 10am to 4pm |
Cascade | SSB 105 | |
Rock Creek | Bldg 9 Rm 104 | |
Southeast | SCOMM 115 Answer Center | Mon to Thu: 9am to 6pm Fri: 9am to 4pm |
Need to send us something?
If you need to send us a document, don't wait in line: use a drop box, mail it or fax it!
Drop box
Drop boxes are located outside each campus Financial Aid Office.
Mailing address
Financial Aid Office
Portland Community College
PO Box 19000
Portland, OR 97280
Fax number


text:
There's no hope! Is there?
Though your comrade is drunk and passed out, he's not in any danger. But you are! Trapped in the Engine Room you must fix the pressure before the entire submarine blows up and you with it!
Red November is a cooperative board game for 3-8 players (1-2 with optional rules) in which you control desperate sailors in a frantic race against the clock. Each turn is just borrowed time. Gnome sailors move around the sub and fix the most pressing problem they can, but everything takes precious minutes that trigger more disastrous events.
Red November & Red November Revised Edition are © 2008, 2011 Fantasy Flight Publishing, Inc. Red November and Fantasy Flight Supply are trademarks and/or registered trademarks of Fantasy Flight Publishing, Inc.


text:
Vince Thompson
Contributing Editor
Contributing Editor, People Vince Thompson is a digital revenue consultant, author, speaker and host of the popular BNET show Dog and Pony. His firm Middleshift LLC helps Internet companies build revenue by creating advertising solutions and scaling sales efforts. He is based in Los Angeles. Follow him on Twitter. Disclosure


text:
Hard work and excellence are main traits of Ida Thiede's life, as a person and as a Kuakini Health Care Team member, thanks in part to her mother who imparted these values upon her.
"My mother has always taught me… if you don't do something right, might as well not do it at all," she said.
Ida is the Supervisor of Financial Accounting in Kuakini's Accounting Department. Her nominator describes her as "a tireless worker who is 100+ percent committed to her job and to Kuakini" and who oftentimes "works more than a 40-hour workweek."
"Ida makes sure that accounting books and financial statements are accurate and timely," her nominator said. "Ida is a hands-on supervisor who was a stabilizing force in the fiscal function several years ago."
Working as a senior accountant at that time, Ida had just submitted her application for supervisor when she was asked the following day to handle some of the duties of the CFO (Chief Financial Officer) and Controller positions that were temporarily vacant. Bracing herself for a heavier workload and a bigger responsibility, she managed Kuakini's financial operations with a staff of three Accounts Payable Specialists and two Accountants.
"There was a lot of work but I enjoyed it. It was a period of growth. I learned a lot," Ida said. "I realized that I could do a lot more than I could actually do." The experience helped her become better, she said, but she could not have done it without the help of the staff.
"I like working for Kuakini. The people here are really nice. It's hard to beat that."
Ida's first exposure to Kuakini's hospitality and compassion was in 2000 when her mother came in for a procedure. The nurses were exceptionally nice to her family and she wondered what it was like to be working in Kuakini. In 2001, her question was answered. Ida became Senior Accountant in the Accounting Department. In 2006, she was promoted to Supervisor.
"People think accounting is boring. There are no gray areas, it's black or white. It is definite. There are rules for things," she said. "But I like that. It all makes sense."
"Life is good right now," Ida said. She plays tennis and cheers for her son's high school basketball games during her spare time. If she had more time, she would like to read more books.


text: Spanx started because we filled a void and invented a product that did not exist—shapewear. Our body shapers are the best of the best, that's why everyone talks about them. We believe the old saying, "beauty equals pain" is BS (Before Spanx)! We know beauty can equal comfort, and that's what we deliver with our slips, bodysuits, mid-thigh shapers and more.


text:
Phocuswright Research
Business Intelligence for Travel Agencies and Travel Management Companies: What Does it Really Mean?
Travel companies are using business intelligence to gain comprehensive, integrated insight into their businesses, to track areas ripe for growth, and to forecast the impact of potential decisions. This article explores BI that supports the unique needs of travel management companies and traditional travel agencies, even as those needs fluctuate over time.
[ view more details ]
India Online Travel Overview Sixth Edition: Rail and Hotel Steal the Spotlight
While India breezed through the global financial crisis of 2009, the country's economy – along with its travel market – buckled to global economic pressures in 2012. The rupee dropped in value, hotels took a hit, and airlines – the market's biggest segment – face ongoing industry woes. Despite weak market dynamics, however, India's travel market remains resilient and will not take long to regain full steam. Total travel gross bookings in 2012 experienced healthy growth on a local currency basis, and the explosive increases expected for online hotel and rail bookings in the next three years are nothing short of incredible.
[ view more details ]
European Managed Travel Distribution: Market Sizing and Trends
The combination of economic challenges, generational shift and rapidly advancing technology has created both challenges and opportunities in Europe's corporate travel marketplace. More than ever, European companies have cast a watchful eye over spending in general, and their travel programs in particular. At the same time, younger, tech-savvy corporate travelers are promoting more flexible and often more efficient ways to purchase, track and manage their trips. This report provides a comprehensive analysis of the European managed corporate travel marketplace, including sizing and key trends impacting the industry.
[ view more details ]
U.S. Online Travel Overview Twelfth Edition
While the economy - and the travel industry - didn't improve as much in 2012 as everyone hoped, U.S. travelers remain resilient. Phocuswright's U.S. Online Travel Overview Twelfth Edition hashes out the impact of the current economic uncertainty on the industry and delves into the dynamics of the industry's near future. In addition to market sizing and growth forecasts by travel segment and distribution channel - including mobile - the report tracks the technology trends that will shape the industry through 2014.
[ view more details ]
Asia Pacific Online Travel Overview Fifth Edition
Asia Pacific's bustling economies have enjoyed striking growth in travel demand over the past several years. Airlines and hotels are benefiting from growing business and leisure travel demand, and online travel agencies - both local and global - continue to outperform the overall market. Phocuswright's Asia Pacific Online Travel Overview Fifth Edition provides comprehensive sizing, analysis and forecasting for the region's 13 travel markets, with special emphasis on its five major markets: China, India, Japan, Australia and New Zealand.
[ view more details ]
Presentation: U.S. Corporate Travel Report: Market Sizing and Technology Trends
This May 22, 2012 Webinar explores the key developments that are shaping the corporate travel marketplace, along with market sizing and projections through 2013.
[ view more details ]
U.S. Corporate Travel Report: Market Sizing and Technology Trends
While the corporate travel sector in the U.S. rebounded relatively quickly from the financial downturn and has now recovered to pre-recession levels, the industry is still in the midst of major change, with several fundamental shifts influencing how business travel will be conducted in the future. This report provides a comprehensive view of the state of managed travel in the U.S., along with the key metrics, dynamics and trends that will shape the arena through 2013.
[ view more details ]
Presentation: Phocuswright's U.S. Business Traveler: Managed, Unmanaged and Rogue
Empowered by an increasingly sophisticated assortment of tools at their fingertips, today's business travelers are taking more control over their entire experience. From picking their own favorite suppliers and booking channels, to integrating leisure components into their work trips and leveraging social media, business travelers are demanding more than ever before.
[ view more details ]
U.S. Business Traveler: Managed, Unmanaged and Rogue
Demand for business travel has recovered substantially after its 2009 plummet, but driving growth in the years ahead will prove more challenging for travel companies than in the past. Effectively catering to the wants and needs of business travelers will be increasingly important for industry players hoping to grow their share in this lucrative segment. Phocuswright's U.S. Business Traveler: Managed, Unmanaged and Rogue helps travel companies gain holistic perspective from the range of business travelers in the U.S., including both those who are managed by a corporate travel policy and those who are not.
[ view more details ]
Mobile Hits the Mainstream: Leisure and Business Traveler Trends
Smartphone adoption rates among leisure and business travelers have reached a tipping point, and consumers are tapping into the mobile Internet all the time, wherever they happen to be. From researching destinations to navigating the streets in a foreign country, travelers leverage the mobile Web before, during and after their trips. This report examines how travelers use the mobile Internet to plan, purchase and enhance their travel experiences, and outlines the key factors and trends that characterize this dynamic and increasingly influential channel.
[ view more details ]


text:
Cook. Eat. Live! Who: Busey Bank for United WayCost: $12.50 including shippingDetails: soft-backed, spiral-boundPages of recipes: 220Send checks to: Brenda Jeakins,2101 N. Veterans Parkway, Bloomington, IL 61704 or call 309-834-1020.
Read MoreRecipes using whipping cream
Chocolate Praline Cake
Hometown Favorites In And Around Blandinsville, IL Who: The Blandinsville Community Organization, Inc.Cost: $14, including shippingDetails: hard-backed, three-ring-boundPages of recipes: 129Send checks to: Blandinsville Community Organization, P.O. Box 321, Blandinsville, IL 61420-0404or call 309-652-3502.
Read MoreAlmond Praline Cheesecake
Tasteful Traditions Who: Donna Hope's Family and Home Community Education, Grantsburg, ILCost: $18, including shippingDetails: soft-backed, comb-boundPages of recipes: 250 Send checks to: Donna H. Mathis,170 State Hwy 145 South, Grantsburg, IL, 62943, or call 618-949-3370
Read More


text:
Blog Archive
Top Articles
Top Rated Articles
Constructing a concrete dome is a costly process, but this may change soon. A team from the Vienna University of Technology has developed a method that allows concrete domes to form with the use of air and steel cables instead of expensive, timber supporting structures.
The planned site is a natural landscape among redwood trees with views over Monterey Bay, a site that the architects have called "one of the most beautiful they have ever worked on."
The International Organization for Standardization (ISO) has created the first standards to compare services of the world's cities.
Today's technologies allow us to work anywhere. So why come to an office at all? Herman Miller has an answer.
John Burns Real Estate Consulting ranks the top 25 housing amenities by generation, based on feedback from more than 20,000 home shoppers.
Dangerous by Design, an annual study of the dangers American pedestrians face, has been published for 2014. The study looks at a number of different factors among pedestrian deaths, including the geographic locations, race, and age of pedestrians.
The glass-and-steel pavilion's spiral structure acts as a storytelling device for the company's history.
A bipartisan proposal from U.S. Reps. Tom Reed, R-N.Y., and Bill Pascrell, D-N.J., would make roof replacement cost less and would help commercial building owners adopt energy-efficient systems.
The design organizes offices, labs, and social spaces into five "fingers," putting different work spaces parallel to each other.
The Phoenix Towers are expected to reach 1 km, the same height as Adrian Smith and Gordon Gill's Kingdom Tower, but would set a record for multiple towers in one development.


text:
This year's ASTA conference was fantastic! There were so many great sessions and it was a pleasure to get to meet some new people. It was interesting to find out where you are all from and what you do.
I had an incredible time presenting my session entitled, "Hop Off The Podium! Automate and Motivate 21st Century String Players with Instructional Technology." I was amazed at how many members were in attendance. The session's presider, Nancy Nehring, counted 84 in attendance and that totally exceeded my expectations. It is exciting to see so many teachers interested in learning about instructional technology.
I will have the session materials online within a few days. I will include as much information as possible, including all of the slide handouts, links to all of the software and products mentioned, as well as MP3 files for some of my tuning sequences and scale warm-ups. Of course, if I miss something, please just let me know and I am always happy to help in any way possible.
Information from the Presentation:
Why does this matter?
- Our students are different than those from just 10 years ago. Today's students are "digital natives." The group of students we are teaching today are known as the "Net Generation."
- Book – "Grown Up Digital" by Don Tapscott
- Teachers need to adapt to students in order to remain effective
- So many negative views of current generation, but honestly we are teaching the smartest and most capable kids ever.
- "Don't blame the kids" — it's just how they are!
How can I be effective with "Net Gen" students?
- Try to see things from the student's perspective. Imagine if you grew up with a cell phone and other current technology. You would be different too!
- Bond with students — really get to know them on a personal and social level. But know the boundaries!
- Embrace their learning style and culture. In order to be effective we must REALLY get to know our kids including what they like, how they think, and how they live.
- Combine Aural and visual stimulation. Come up with new lessons that involve innovative teaching strategies that will motivate them to participate and practice.
Classroom automation
Tuning procedures
I used Garageband to create an automated tuning sequence. Mind you, this is to be used after your students have become familiar with tuning their own instruments independently. I use this time to walk around my room, assist with tuning, and take care of other matters (administrative duties, like attendance).
I use a three step system for each string:
1. Listen – students carefully listen to the pitch without talking or movement
2. Internalize – students sing or hum the pitch to themselves
3. Tune – students quietly
Download Tuning Sequence files (mp3)
Intro | A String | D String | G String | C String | E String
Listen to an example of Tuning Sequence files (embedded Flash/podcast)
A String:
Warm-ups (scales, exercises, echoes, etc.)
I have created audio files that help my orchestras learn and play scales. The scales are played in whole notes, with quarter note at about 70 bpm. This gives students time to adjust their pitch and helps students really lock it in. In addition, it helps students work on that ever-so-difficult concept of slow bows, improving their bowstroke and tone.
To help students learn their scales, I pass out my Scale "Cheat Sheet" (pdf). This allows my advanced students to play in upper octaves and others to play at the lower octave. In addition, it allows them to focus on the note name rather than the notation.
Download my Scales with Drone audio files
C Major | G Major | D Major | A Major | E Major
F Major | Bb Major | Eb Major | Ab Major | C Chromatic
Listen to an example of my Scale with Drone file (embedded Flash/podcast)
More enhancement strategies…
- Use a drum machine, Garageband, or other software to put a drum beat into boring exercises such as etudes, scales, thirds, echoes, etc.
- Make easy songs sound more interesting or difficult with a track.
- Check out "D String Rock," a very simple tune for beginners that sounds awesome with a track I created in Garageband
- D String Rock Sheet Music (pdf)
- D String Rock Track (mp3)
- Use SmartMusic in your lessons with a computer attached to a projector. Go through the repertoire you are working on and play next to a student who is having difficulties.
- Use Intonia to track the intonation of students and allow others to comment on notes that are flat, sharp, etc.
- These ideas will help you increase proximity to individuals.
- You will need to adjust your technology use for your particular situation (ie. small or big classes, student/teacher's tech knowledge)
Home Practice
Unfortunately we can't go home with our students to help them practice. Also, most of us deal with not seeing our students as frequently as we would like. One solution to this problem can be putting materials online for students to access during their time away from class. This puts your material and your program online 24/7!
Some strategies:
- On a website or blog, link to publisher's full recordings.
- Create MIDI sequences of a score or individual parts to post online for student practice.
- If you trust your students, purchase a few used/refurbished iPods for them to take home.
- Offer students extra credit for showing you that they have downloaded audio to their MP3 player/iPod for listening/practice use
- Post rehearsal recordings on a blog, then have students post a comment as a reflection piece as homework
- Post a technique video (bow hold set up, fun musical lick, etc.) to YouTube or a podcast
- Post a video that reinforces or repeats classroom instruction at home
- Start your own YouTube Channel – showcase students and your program!
- Be sure to get parental permission anytime you post student work. This may vary from school to school. You may need to use a district form or create your own – see what your district requires.
Technology can be a great assistant with assessment. With the right software and hardware, students can "see the music," bringing it into the 21st century.
Waveform editors
- Use Audacity, Amadeus Pro, Peak Express or another waveform editor to see changes in dynamics, etc.
- Use Intonia to see accuracy of an individual student's intonation. It is highly recommended to use a small microphone attached to the tailpiece to capture this audio. A SmartMusic microphone works very well.
- Load a WAV file of a professional recording into Intonia to see how a professional tunes a certain passage.
Video Cameras
I use video cameras in my classroom to capture students' playing tests. I frequently use Flip Cameras and iPod Nanos (5th generation with video cameras).
During rehearsal, I can send a stand of players out to take their test in the hallway or practice room. My rehearsal continues as normal, but by the end all students have taken their tests. I can then assess the videos, rewatching as necessary. In addition, I can archive the video and keep in a folder for each student, essentially creating a unique digital portfolio of their work. After some time, I can then go back and show students their progress and improvement.
Hardware Links
- Apple iPod Nano (old version – 5G with video cam)
- Flip Cameras (many models)
- Korg NanoKey MIDI controller
- Akai LPK25 MIDI controller
- Bose SoundDock Portable speaker
- Zoom H2 digital audio recorder
- Mac OS X Server (with Podcast server) — Installed on MacMini Server ($999)
Software Links
- Audacity (Mac/Windows) – Free audio editor/recorder
- Amadeus Pro (Mac) – Inexpensive audio recorder
- Apple Garageband (part of iLife '11) – powerful MIDI/audio sequencer & looper
- Intonia (Mac/Windows) – Intonation trainer
- SmartMusic – provides on-screen notation and assessment on many popular string orchestra pieces
Website Links
- YouTube
- Create Your Own YouTube Channel
- Charles Laux's YouTube Channel (MrOrchestraDirector)
- Charles Laux's Orchestra Podcast
YouTube Tips:
- Disable commenting, rating, and any other features you do not want on your videos.
- Be sure to edit your video to exclude downtime, etc. This will deter people from coming back to rewatch your videos
Presentation Slides
Please comment on this blog or contact me if you have questions or comments. If I missed something, please let me know. I love helping teachers with tech!


text:
Tq Remote Transformer- Tq-300/120vPin It Houzz |
. |
Related Info Tools |
The TQ-300 series magnetic remote transformer features a metal enclosure with a covered wiring compartment, which can be surface mounted or recessed in a wall. It can be equipped with optional debuzzing choke (TCK-300) for dimming application. The additional tap outputs can be used to counter voltage drop do to longer power feeds. A toroidal coil is used for reliability and efficient operation.
Technical Specifications:
- 300VA maximum
- 120V AC, 60Hz input
- 11/12/13/14/15V AC output
- Auto thermo shutoff (resettable) and switch circuit breaker on primary
- 25A switch circuit breaker on secondary
- 25 X .5" electrical connect knockouts
Bulbs for Bruck fixtures can be found here.
Dimensions: 15.75"L X 8"W X 3.5"H
Listing: UL
Manufacturer Specifications: Click to download specifications.
Instructions: Click to download instructions.
Bruck Lighting
Bruck is internationally recognized as a leader in the development of innovative lighting systems with particular emphasis in the application of low voltage, halogen light sources. The pioneer of a new approach to design, Bruck places three-dimensional technology at the forefront.
Since the beginning, Bruck has been a developer and promoter of new standards in aesthetics, product quality and safety. Low voltage halogen light has evolved into one of the most highly demanded forms of lighting, finding extensive and varied applications in most styles of architecture. Much of the interior architecture of our living, working, and leisure spaces would be difficult to conceive without this brilliant, versatile, and stable light.
Free shipping
on most orders
Expert advice
+ service
Best collection
of modern designs
Price guarantee
100% price match