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Jennifer Russell is a dyed-in-the-wool entrepreneur, having worked exclusively in high impact start-ups, most recently as president of an environmental chemical company, bringing over 40 new technology products to market. Her dedication to the intersection between creativity and productivity made her famous for "getting more done by accident than most people get done on purpose."
Whether its guiding a cancer drug through the arduous process of testing and development or guiding an entrepreneur through the harrowing process of creating their business, Jennifer's insight and inspiration are bar none.
What Makes Jennifer Tick
There's a word for me that sticks out and is one of the most important in my life. When I have this in my life
I am on fire
I am happy
I am living my purpose...
and that word is IMPACT.
If I'm living a life where I'm impacting myself, you, and others there is a ripple effect happening. The world is a little different, someone who we've reached is a little bit happier, freer, or more successful because we interacted and I am absolutely living my purpose.
I've been a long time student of leadership, which I define as how to change the hearts and minds of those around us to create a future that wouldn't have happened anyway. I've been a keen observer of how and why we are influenced and what mechanics of change are at play in our lives which both keep us exactly where we are and help move us into completely new paradigms.
In order to live a life where we are leading ourselves and others, we must realize that we are truly at the helm. We must realize that we are all a conflagration of parts and each of those parts have a unique and different set of desires, a unique and different set of ideas, and a unique mindset about the world. The more alignment we can create amongst our own parts and those of the people we interact with, the more powerfully we can lead others towards helping create our vision of the world.
The true measure of greatness is our capacity to navigate between our opposites with agility and grace – to accept ourselves exactly as we are, but never to stop trying to be better.
I am a stand for your success and your results
I am absolutely tenacious about you experiencing results in your life.
I'm a stand for you achieving what you're wanting and having that show up for you in an integrated way both personally and professionally.
I'm a stand for you living the material we teach, and having it be meaningful and impactful in your life.
My purpose is fulfilled, not by how many of you that do our work, or what our revenue looks like, but by how many real success stories and triumphs you all experience.
When I go home at night and you are successful, I'm literally brought to tears.
My blood boils when I see you stumble needlessly.
I'm a force to be reckoned with and I'm going to apply that force towards you and what you want and use that strength to help you have more access to choice and freedom.
A Brief 'Her'story:
I have always had an insatiable curiosity which fueled a deep desire to leave an impact on the planet...'leaving it better than I found it!'
As a a young child I became an avid seeker and student of physics, philosophy, metaphysics, and human transformation as a means to understand more about how we and the universe really ticks.
I said to myself...."I'm going to learn science so I can save the world." So my story starts with me going into science to see how we can use our creative minds to develop technologies that can have a positive impact on the planet.
I studied biochemistry and my career began in the biotech sector where I ran product development at a cutting edge technology company whose mission was to use the absolute best that science had to offer to solve some of the world's biggest problems. In my career I have launched over 40 products into the market place from cancer drugs to consumer products, from nutraceuticals to pharmaceuticals, from agricultural products to personal care products....a wide array of technologies in a variety of industries all with the common purpose of leaving the world better than we found it.
I later became President and board member of another environmental technology firm who had created a way to reduce and even eliminate the VOC emissions in various industries. Here we were beginning to partner with some of the world's largest manufacturers of polymers, inks, plastics, and coatings to replace their current technologies with our unique zero VOC additives.
Fast forward to today where I have now joined forces with my partner in life and in love Bryan Franklin to create and bring forth some of the most impactful group experiences on the planet. We joined together to widen the scope of what either of us was doing on our own and have now become the trusted advisors, coaches, and mentors of executive teams and entrepreneurs around the country.
Find more information about Jennifer at http://www.jennifersrussell.com
We've helped executives at these companies achieve extraordinary results:


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I just came back from vacation, and was wondering if it was still possible to attain a closed beta key for the last phase. I realize it's only 1-2 days left but it'll be greatly appreciated if someone could help me out.
I don't mind paying for a key, are there any trusted sites that I can buy a key from?

subset: commoncrawl


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You look pretty good my friend glad to see you have color in your face and a sparkle in your eye. I remember the singularly most blissful day of my life (so far) sitting in a chair much like the one in your pics watching the mountains in Burma. They never stole one on our watch.
Poodle, Brown Dog, Mae La, road trip to Mae Sarian
Trip Start Jun 15, 2010
6Trip End Ongoing
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Where I stayed
Riverside Inn
Stayed at the Riverside Inn for 300 baht, the only place around that has cushions on its seats. Nice private balcony overlooking the Salween River. Ate Issan (NE Thai) food and took a vacation from Mae Sot.
Also in the mix are photos of Brown Dog and Poodle, my two dog pals on my street. They are also the best of friends and often visit me together. Poodle thinks he is a german shepherd.
About 70 kilometers of north of Mae Sot is the gianoramous refugee camp of Mae La. You cannot get in without a pass and I did not have a pass for that date, so I just took pics from the highway. There are about 70,000 Burmese refugees living there.
Back home now after 3 days and 2 nights in Mae Sariang. Nursing a slightly sore butt, but it was worth it. Enjoy the pics.


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Welcome from the northeastern part of the U.S.A. You will be inspired by the quilts and advice you see here.
Welcome to the Quilting Board!
Welcome from the northeastern part of the U.S.A. You will be inspired by the quilts and advice you see here.
"He who masters the grey everyday is a hero."
Welcome from Carly in South Carolina. I also started quilting after I had to get done working. It is now my joy in life and I hope it becomes yours. Do you have access to a good quilt shop locally? Or a really good book? I recommend Better Homes And Gardens Complete Guide to Quilting. It really is complete. Also, classes by computer at Craftsy.com are fabulous . Try one of Jenny Doan's beginning precut fabric quilts. Success right out of the box! Let me know if you have need of help finding something or just want to chat. I did get to travel to Scotland briefly many years ago and it felt like home to me. I guess the cells remember where some of our blood is from. All the best in your great quilting adventures. Carly
Welcome from Michigan!
Welcome to the Board!!
I too am a 'stitcher', but now I incorporate everything I've learned stitching over the years to embellish my quilts!
I can honestly say that I am passionate about quilting! Have a 'stash' and every thing!! (P.S. I learned from a book and didn't know what 'quilting' was, so my first was just 'pieced.' They fell apart in the wash!!!!!!!!) Wait till you cannot go anywhere without knowing if there is a quilt shoppe!!!
Waving hello from Maryland! Have fun with your quilting - as one of my friends always says "it's all good!"
Welcome from NE Ohio.
welcome from se Texas -- I have learned so much from others on this site!!
Waving hello from Washington state, USA!
Be a blessing to others, as you may entertain angels unaware!
Welcome from Wisconsin. Just keep going and it will get better! Have fun on your new quilting adventure


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Hey guys. Well, after my little stint with a 2010 that didn't turn out well, divine intervention brought me to orlando and I bought a 2011 base WRX in spark silver.
I didn't think I'd go for the color, but I like how it looks, and the car looks like an off-white in certain light conditions. Purty.
Oh, and it's a sedan :P Came with the compass/self dimming mirror and security shock sensor.


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'Stranger danger' class may have saved 2 young kids
Man tried to lure 8-year-old and 10-year-old with candy
COLORADO SPRINGS, Colo. - A man tries to lure two kids into his car in Colorado Springs but instead of being fooled, they got away, and their parents called police.
Police were called to the area of Buena Ventura Street and North Walnut Street around 9 Sunday night.
Police say the man pulled up to an 8-year-old and a 10-year-old and asked them if they wanted any candy.
The two children then rode their bikes away, down a path where the man could not follow them. The children went home and told their parents about the incident, who then called police.
The man is described as Hispanic, between 30 and 40 years old and with a bald head.
Police say the two children had taken a class on "stranger danger," so they knew how to respond in that type of situation.
But a local martial arts instructor says while they were lucky, they should have fled even sooner.
Isaac Costly works for Calvary Family Martial Arts and Fitness. He's been involved with martial arts for more than 40 years and gave KRDO a quick demonstration on what to do.
Costly says while it's good to get a description for police, it's not good advice for a child, because that means they spent too much time with the stranger.
"The only thing that can save that child is gaining distance and maintaining distance. Don't interact with that person; it may be too late, and he may be able to get out of the car and get his hands on you," said Costly.
Costly advises kids to take three steps back if they notice a stranger approaching, then yell "no," then, run away. He says don't run in the direction the car is going; turn the opposite way. He also says to run toward other people if possible and yell "fire," not "help," to get attention.
CFMAF is offering free clinics from 11 a.m. to 3 p.m. Saturday. They include two anti-abduction classes. For more information, visit its website www.cfmaf.com


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It only takes a minute to get started. Fill out our uncomplicated sign up form and login to the website.
This step is noncompulsory but will greatly enhance your chances of getting interest from other over 50s members on the site. Tell people about yourself, your pasttimes and attach any nice photographs of yourself.
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And start dating


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I predict a winter Lok Sabha election this year: Rajdeep Sardesai
Rajdeep Sardesai joined IBNLive readers for an interaction on important news developments of the week.
Rajdeep Sardesai, Editor-in-Chief, IBN18 Network joined IBNLive readers for an interaction on important news developments of the week.
Q. What should have been India strategy towards SL problem? Asked by: BSG
A. I think India got its strategy on Sri Lanka right in the end. You cannot confront a neighbour, but have to walk a diplomatic tightrope. At the same time, the govt should have taken its allies and the opposition into confidence: unilateralism of any kind is dangerous in the coalition era, especially when it involves allies and an emotive issue like human rights of Lankan Tamils.
Q. Do you feel that the Sanjay Dutt issue is being covered too much and more imp issue of Maha Drought needs urgent attn esp Mr Katju should speak more on that and not this. Asked by: AS
A. Couldn't agree with you more. There should be relentless and continuous coverage of the M'tra drought. At the same time, Sanjay Dutt was a big story yesterday and Justice Katju's comments have reopened a debate on commuting his sentence. Having said that, I do believe Justice Katju should speak less on issues that are not within his domain as PCI chairman.
Q. How long will we continue to please ourselves by winning on spinner friendly Indian pitches? How many innings will Pujara, Dhavan and Murli take to score 1000 runs on overseas pitches? Asked by: Ketan
A. We're winning at the moment, lets savour the victories. Yes, pitches like the one in Delhi will not prepare us for overseas battles, but then I guess we will always be tigers at home, lambs abroad.
Q. Your guess.. when will the election be held? Asked by: sandeep
A. I am not a betting man or an astrologer. But if I wore my political pundit hat, I would predict a winter election this year.
Q. Sir, does NDA has strong chance to win this time? Asked by: Sandesh Kumar K N
A. NDA can emerge the single largest pre-poll alliance. Whether it can form a govt in 2014, will depend on post poll alliances.
Q. Sir..Modi's clamour for PM is growing day by day nd its scary for a muslim like me..He hasn't expressed any sort of regret or apology..Do you think my apprehensions are unfounded or should i give this man a chance?! Asked by: Nagma
A. Look Narendra Modi is an impressive speaker and has a strong track record as Gujarat chief minister on economic governance. He is, however, like it or not, a polarising figure. I don't think though you should fear his rise as a Muslim, rather listen to him without prejudice and make up your mind whether you would like him to be prime minister. Judge him on his credentials, good, bad and ugly without pre-conceived notions.
Q. Why were not equally angered when Modi was disinvited by Wharton, as you were with when same happened with Salman Rushdie. Asked by: Yagyesh
A. Please see my editors take and India at 9 debate on the day Modi was disinvited. I believe Wharton made a mistake by 'disinviting' Modi. If you oppose him ideologically, engage, question and criticise him, but why ostracise him? Liberal democracy must remain a debate over ideas, it cannot be furthered by shunning engagement.
Q. What do you make of contempt notice served on Nikhil wagale in Maharashtra...do you think Mr Wagale has gone overboard by calling MLAs "Mavali". Asked by: ashwin Tayade
A. If an MLA beats up a constable in the state assembly, is he not a 'Mawali'? Privilege is used by those in power to avoid criticism. There is no space for abuse in the media, but when someone commits an undoubted wrong, they must be criticised. In this instance, the MLAs have lost their 'privilege' with their ghastly behaviour.
Q. You have been trolled on twitter but always react in a calm and funny manner! Whats the secret of yours to keep calm? Asked by: Ramchandra
A. I am learning that staying calm and retaining one's sense of humour is the best way to deal with trolls. As i said the other day, I can live with trolls, cant live without my morning stroll. I live in the present and turn to nature for inner peace.
Q. How do you look at Nitish Kumar's show of strength in Delhi? Is it just posturing? Do you think BJP can gain by going alone in Bihar in 2014? Asked by: Oliver
A. I think Nitish is looking at the possibility of leading a potential third front in the next election. The BJP could well risk going it alone in Bihar, but losing allies can often halt momentum and the BJP will have to be conscious of that.
Q. Candidate you would love to see as PM? Asked by: Yaseen
A. Azim Premji for prime minister? Compassionte capitalism with a strong social consciousness is what this country needs. More seriously, not sure who fits the bill.
Q. Don't you think that today's media particularly the English media are very judgmental while conducting debates at prime time. Asked by: Masoodi
A. Yes, I agree. We have become judge, jury and prosecutor in our nightly debates. Guess there are viewers who like to see the studio as a courtroom, others would prefer a newsroom to give news, not thrust personal views. You cant please everyone.
Q. How would you rate MMS as PM in last 9 years? Asked by: MOIN
A. In his first five years, i would give Dr Singh 6 on 10. He did a much better than expected performance as PM. In the last four years, I would give him 2 on 10: he has lost the plot.
Q. Why are these people clamouring for pardoning sanju baba? Only because he's in limelight? Do you think it will send out wrong message to all rich guys that you can get away with anything? In name of riots can I get a AK56? Asked by: UncleKing
A. I agree. Once a court has pronounced a judgement, a pardon must be based on solid grounds not on sentiment. If an aam admi was found in a notified area with an AK 56 don't think too many celebrities would speak up for him.
Q. How you see decision of DMK affecting national politics, do you predict a realignment between ADMK & Congress Asked by: Dona
A. Think the DMK decision could temporarily realign political forces in TN. it will be interesting to see what stand Vijaykanth takes. However, don't rule out the DMK forging a pre-poll or post alliance with whoever comes to power in Delhi: they are past masters at playing power games with Delhi. Adman Suhel Seth once said that DMK is Daily/Delhi Money for Karunanidhi!
Q. Will B be able to cross 200 mark in 2014? Asked by: Abhijeet
A. The BJP's best performance so far has been 182 under Vajpayee's leadership in 1999. It will be tough for the BJP to match it, unless it can regain its hold in UP. UP holds the key to the BJP's fortunes in the next election.
Q. Rajdeep - from time to time you do concede that there's an unholy nexus between sections of the media and the political class & a conspiracy of silence. What can we do to tackle these issues? Asked by: Gaurang
A. Yes, there is a nexus between a section of the political class and a section of the media. But please don't damn all of us as 'paid media'; don't allow personal biases to shade your better judgement. If you have evidence of journalists on the payroll of a political party/individual, expose them with hard evidence, not by malicious campaigns of character assassination.
Q. Why do you give less time for new from so? Asked by: srinivas
A. Trust me, we make every effort to give news from the south. We could do much more I concede, but it is not for lack of trying I promise.
Q. You are one of the veterans in media we wish if exposures through your channels continue like the Robert Vadhra DLF or the latest ICICI/Axis bank issue by cobra. Any ways what is your take on both the issues. We wish an honest reply. Asked by: Khushal Bhargava
A. I believe there should be a transparent and independent probe into Vadra's land deals and the banking sting. These probes cant be taken to their logical conclusion by the media but by an independent agency empowered to investigate and prosecute.
Q. Good Evening Mr Sardesai, Why there wide spread sympathy for Sunil Dutt, is it justified? What's your view on it? Asked by: Praveen
A. I had high regard for Sunil Dutt. But I agree with you (and I replied to this earlier), sentiment cant decide law.
Q. I love your style when you analyse the election results on results day. Do you put extra energy on election result days? Asked by: srinivas
A. I love politics and enjoy covering elections. Guess that passion shows sometimes on election days.
Q. Why don't Top leading Media's doesn't covered the news about Students Hunger Strike when it started initially? They covered only it crossed 3-4 days. But when it comes about any actor or from Northern Side, they are covering spontaneously. By considering all, It proves that Medias are covering the news which gives huge TRP. When this situation gonna change? Its media's responsibility to cover all the news without any partiality. Asked by: Yuva Raj
A. We just did a half hour programme on Wednesday from Chennai on the students strike. News coverage is determined by priorities; to expect round the clock coverage would be seen by many as excessive.
Q. Why don't you expose the politics in CBI? Asked by: srinivas
A. Didn't you see our expose a few weeks back on how the CBI's public prosecutor was in regular touch with the accused in the 2 G scam. what greater evidence can there be of what's wrong with our premier investigative agency? The practise of CBI directors being made governors post retirement is also an unhealthy precedent.
Q. Does CNN-IBN entertains projects on social cause like supporting education in rural area, if yes would love to get in touch. Asked by: Yaseen Anwer
A. We run a number of socially inclusive programmes like Real Heroes, Citizen Journalism, India Positive, Superidols. More programmes with a human touch are on their way.
Q. Why did Ajit Pawar go scot free? This drought will probably roast Maharashtra, and has been caused due to him. Was the White Paper issued by the CM a white wash? Asked by: Roy
A. The Maharashtra irrigation white paper was a 'whitewash'. How can the govt conduct an independent probe against its own dept with fairness?
Q. Why is there a media blackout for Kejriwal? Is it because he went against corporates? and will you cover his anshan starting from tomorrow? Asked by: amit
A. Kejriwal's anshan will definitely be covered tomorrow. There is no media blackout of him. But please remember, news is constantly evolving; not every statement/action of Kejriwal is headlinable. When he makes news, he will be covered.
Q. We often hear psephologists say in TV debates that the Indian voter is very intelligent. Do you agree? Asked by: Oliver
A. The Indian voter has a strong instinct for what is in his best interest and knows the power of his vote. Doesn't that make him intelligent?
Q. Do you think Mamata will join UPA again? Is it because she is loosing her grip in Bengal? Asked by: Abhijeet
A. I can't rule out Mamata returning to the UPA fold, but much will depend on how the political situation evolves in the next few months. Mamata has limited options: she can either go it alone or look to be part of a 'federal front'. If neither works, she may well look at the Congress again.
Q. How you rate attempts made by Rahul Gandhi to professionalize Congress organization, will it change Indian Politics? Asked by: Dona
A. Rahul Gandhi must realise that a political organisation like the Congress is not a corporate. 'Professionalism' in politics is not what it means to a management executive. Let him first ensure that the Congress respects merit and its members, including himself, are more open to public scrutiny: that would be a good first step.
Q. Do you sincerely believe that CBI is used by only Cong for its advantage and BJP didn't use it when they were in Power? Asked by: Uttam
A. All ruling parties have used the CBI to their advantage: the Congress has been in power longer so is more practised at it!
Q. You think Kejriwal really wants to fight for aam aadmi or it is just an easy way to get national attention? Asked by: Uttam
A. I have enormous respect for Arvind's integrity and intellect. I don't think he is a self-publicist. But being a activist and a full time politician is a big difference and Arvind still needs to make that transition. Won't be easy.
Q. What percentage gain you see for BJP with NaMo being projected? Asked by: Uttam
A. I don't think BJP has any real option apart from projecting Modi for the top job.
Q. News channels have evolved over the years and in this evolution they now report less and create panic more. Your take Asked by: Roy
A. Yes, sense over sensationalism must become the mantra of every news channel. Sadly, don't see that happening in the near future.
Q. With Karnataka election schedule announced you see any chance for BJP to retain it's hold? Asked by: sundar1950in
A. I see Congress having a clear edge in Karnataka. Should be the single largest party, but will it form a govt on its own is a big question. Keep an eye on Deve Gowda.
Q. Cop thrashed by law makers in Mumbai. Does this signify that political muscle will continue to rule in democracy? Asked by: sundar1950in
A. What happened in the Maharashtra assembly is a new low in democracy. The state of Tilak and Gokhale is now the state of goondas.
Q. Hello Rajdeep, Do you feel entertainment media has in anyway contributed to crime in our society and specially sexual crime? Asked by: Yaseen
A. At the risk of repeating myself, don't shoot the messenger please. There is a section of the media which has trivialised news, even serious crime stories have been sensationalised. But lets not blame the media for rising crime; we are a society suffering from a lack of a moral compass.
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Mobius Cave by ClintCearleyWatch
©2010-2017 ClintCearley
Just having fun with an environment concept and can't think of anything else to say. Cheers
Painted in PS (no photo-manip)
Download for larger size
EDIT: A big thank you to LadyFromEast and Pyritie for getting my piece featured as a Daily Deviation!!! THANKS
Painted in PS (no photo-manip)
Download for larger size
EDIT: A big thank you to LadyFromEast and Pyritie for getting my piece featured as a Daily Deviation!!! THANKS
Daily DeviationGiven 2011-01-24
Mobius Cave by *Damascus5 ( Suggested by LadyFromEast and Featured by Pyritie )
Badass, I like the characters a lot too. They're very fortunate that they get to explore such a place!
Kinda reminds me of coming from the core of Earth.
Love this piece, especially the muted colour palette. Exactly my flavour of art.
Amazing lighting and perspective!
this is inspiring. ive been trying to draw mountainous texture like this on my wacom tablet
very very good
Love how the light falls on those rocks.
oohhh!! I want to rock climb there O.O
goddamn i love concept art
great work!
I really likethis. It almost has a water color texture/feel too it.
I would love to write a short story about it, if you don't mind...
No problem here, have at it
Wow! Well done!
Phenomenal! There's an air of mystery and wonder in this piece and it's just amazing~
This is such a nice picture. The rocks going up, disappearing in the clouds and light...it's just breathtaking!
awesome textures in the rock, great use of neutral color and depth... great work really wish i could do this
Good stuff
well, that's impresive!
hey you use the burn/dodge tool? or just all different colors?
anyhow, nice work.
anyhow, nice work.
Wow, this is amazing!
The detail is stunning, this is a well deserved DD
The detail is stunning, this is a well deserved DD
wow i really like it!
Very good
The colors and testures you used looks great
The colors and testures you used looks great
Love it!
very impressive. i dig it
really tight nice enviorment
Lovely work, I'm going to feature this in the Digital Artist magazine
I don't like art like this; it makes me insanely jealous
Good work
Good work
wow this is great! are you aware of the 19th century painter John Martin? if not, google him...
No, I was not aware of Martin though a couple of the pieces I think I've seen at some point. He was some great images, very epic. Thanks for mentioning him
Fantastic vision. Who are the characters?
I'm afraid they are no one really. They're essentially a visual tool for viewer's to relate to and judge scale against.
How long did this take, and did you use any photo reference?
Seems that I worked on it over two afternoons after work. No, I recall using any photo references though I did have some art references for ideas on concept and execution.
Really fantastic work! Looks like these three are going on one amazing adventure!
beautiful. you captured the space very well.
*trip* FFUUUUUUUUUUUU--ck


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Gluten Free • Paleo • Sugar Free • Dairy Free
Gluten Free • Paleo • Sugar Free • Dairy Free
Yesterday I wore my underwear inside out. It wasn't on purpose (I do own more than 1 pair!). It was a super busy morning with kinder duty, a 2 year old who didn't want to get out of the shower (he stayed in there, screaming, for 15 minutes after I turned the water off) and an overly excited 4 year old. Getting dressed was last minute, rushed and nearly didn't happen. To my credit, initially they were on backwards and I rectified that. I then looked down as I was pulling my pants up and saw that the little girly bow was on the inside, not on the normal outside. I had a decision to make. A real life, conundrum. Do I start all over again, run late and have socially acceptable underwear (which no one will ever know) OR do I pull up my pants, take the extra minute to brush my hair and wear my underwear camping style? I picked hidden shame, styled (ok brushed) hair and arriving only a little bit late.
I'm sure (or at least I hope) that I am not alone in my shortcuts to daily routines. I'll admit to hat days instead of hair brushing, pants instead of shaving and deodorant instead of showering. Sometimes time is not your friend! What's your morning short cut? Any hidden shames that you need to admit to?
This Apple and Walnut Log takes forever to make; like over 4 hours forever. It's an involved recipe that requires correctly worn underwear. In my pre food intolerances days I used to regularly devour a Bakers Delights Apple and Walnut log. It was soft and full of sweet apple and crunchy nuts and it was not for sharing.
This Apple and Walnut Log is my nostalgic walk down bakery lane. Actually it's more like a lengthy hike with a few rest stops but it did take me back 15 years…unfortunately the stretch marks and crows feet did not go back. Make this Apple and Walnut Log on a leisurely Sunday and treat yourself to afternoon tea. Don't try and start to make it after work on a week night because you won't get to bed til tomorrow!
Wow, this sounds incredibly elaborate but very delicious! I want to try this, but I can't imagine when I'll have time!


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Rand Gains for First Day in Three on Spanish Bailout Optimism
The rand advanced for the first time in three days as stocks and commodities rose after two German officials indicated a rolling back of resistance to a full sovereign bailout, raising investor appetite for riskier assets.
South Africa's currency gained as much as 1 percent, and traded 0.7 percent stronger to 8.7306 per dollar at 4:20 p.m. in Johannesburg, the best performance among 16 major currencies tracked by Bloomberg. Yields on 6.75 percent bonds due 2021 dropped five basis points to 6.73 percent, the lowest in more than a week.
Michael Meister and Norbert Barthle, officials within Chancellor Angela Merkel's Christian Democratic bloc, said the country is open to Spain seeking a precautionary credit line. The euro strengthened and stocks and commodities rallied.
"The euro has been making good progress, and the rand has benefitted from that," William van Rijn, a currency trader at Nedbank Group Ltd. in Johannesburg, said by phone. Prospects of a bailout for Spain supported the currency, he added.
The rand often moves in tandem with the euro, with a statistical correlation of 0.7 over the past year, according to data compiled by Bloomberg. A value of 1 would mean they moved in lock step.
Reports today showed German confidence rose for a second month and U.S. factory output topped analysts' estimates after the Commerce Department posted better-than-projected retail sales.
Metals Climb
Copper rebounded from a one-month low after Freeport- McMoRan Copper & Gold Inc., the biggest publicly-traded copper producer, said consumption in China is being sustained. Metals and other commodities account for 45 percent of South Africa's exports, according to government data.
"Global developments have turned more positive," John Cairns and Josina Solomons, currency strategists at Rand Merchant Bank in Johannesburg, said in e-mailed comments. "Commodities are taking direction from the broad rally in risky assets."
Emerging-market stocks gained, with the benchmark index rising to the highest level in more than a week. South Africa's main stock gauge rose for a second day to a record.
The rand's one-month implied volatility against the dollar declined 20 basis points to 16.85 percent, indicating that options traders see swings in the currency narrowing over coming weeks. The extra yield investors demand to hold South African dollar bonds rather than U.S. Treasuries narrowed 11 basis points to 176, compared with an eight-point drop to 279 for the average of emerging-market debt.
To contact the reporter on this story: Robert Brand in Cape Town at email@example.com
To contact the editor responsible for this story: Vernon Wessels at firstname.lastname@example.com


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Photographer: Jad Davenport
Te Tiare Beach Resort
"Locals like to say that when the gods created Huahine, they made it to represent all of the island of Polynesia," says Paul Atallah, the owner of Island Eco Tours. We make plans to meet up after I've spent a few days at Te Tiare Beach Resort (866/209-3901). Te Tiare's 19 garden bungalows are nestled amid swaying palms.
Around The Web


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The spring issue of Vanderbilt Magazine is now online. Highlights include the cover story about Chancellor Nicholas S. Zeppos' vision for the university, a feature about the recent successes of Vanderbilt athletics, and a photo essay about McTyeire International House, which promotes the use of foreign languages and awareness of other cultures on campus.
Read Full Story »
Read Full Story »
As the Class of 2013 enters the job market, there is no better time to join the approximately 5,500 alumni career advisers who provide a valuable resource for both students and fellow alumni. You can make a big impact simply by discussing your career path with those in need of advice.
Read Full Story »
John Hill, the higher education evangelist at LinkedIn, recently shared insider tips and strategies with students to help them get the most out of the Vanderbilt alumni network. Watch the video of his presentation and learn how to optimize your Vanderbilt networking connections.
SPORTS Vanderbilt baseball advances to NCAA Super Regionals
ALUMNI Get a taste of the exotic with Vanderbilt Travel Program's trips to Morocco and Bhutan this fall
CAMPUS Vanderbilt Institute for Digital Learning to launch this fall
ALUMNI Volunteer for Reunion 2013, scheduled for Oct. 3-5, and help ensure a memorable weekend
RESEARCH Watch: Copyright Act needs updating, Vanderbilt law professor testifies before Congress
CAMPUS Vanderbilt, country superstar Tim McGraw share important message regarding dangers of distracted driving
OBITUARY John Rich, BA'51, trustee, emeritus, and Vanderbilt athletics stalwart, dies
RESEARCH Most math being taught in kindergarten is old news to students
ALUMNI Tell us your story: Why do you give to Vanderbilt?
IN THE NEWS The New York Times: Mike Yastrzemski, BA'13, right fielder for the Commodores and grandson of Baseball Hall-of-Famer Carl Yastrzemski, is profiled
RESEARCH Watch: New Vanderbilt poll surveys Tennessee voters on education, health care, more
ALUMNI Young alumni meet GOLD Challenge, help secure $100,000 for Opportunity Vanderbilt
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I am not a member of the Christian religion although I did read the Sermon on the Mount by a nice Jewish man named Jesus Christ. I regarded his words as those coming from a man who had love in his heart for all humans, not only those with wealth but those without. Jerry Boykin, who is executive Vice President of Family Research Council, was talking at a conference of those who believe Jesus was the original head of the National Rifle Association when he explained to one and all the real meaning of Jesus Christ. He made clear that Revelation 19 which spoke of Jesus returning as a "warrior"with a sword in his hand really meant. I quote this religious scholar in his own words: "I believe the sword that he will be carrying is an AR-15″ assault rifle.
Jerry added, "if you don't have one, get one." The audience applauded and laughed with joy to finally grasp the meaning of "Christianity." I regard Jesus as a Man of Love. It is clear that members of the National Rifle Association regard him as a warrior out to Stand His Ground.


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Ponson didn't pitch against the Reds Friday night. The Cubs maybe?
Is it Sunday?
Let's see...Ross and Griffey are hot right now, so let's bench them. Makes sense to me. Replace them with Larue (.171) and Freel (.269) just to give Aaron Harang a challenge. It's only the Cardinals and a chance to go into a tie with them for first place. Big Deal!
Sometimes I wonder about Narron's sanity.
"You only have to bat a thousand in two things; flying and heart transplants. Everything else you can go 4-for-5."
-Beano Cook
haha directly from MLB.com not my info ill check...Originally Posted by RBA
Sindey Ponson Yahoo Sports
Jun 2 CHC L 4-5 - 6.0 9 2 2 1 1 2 4 0 0 43.0 2.93

that batting order is awful. i understand giving griffey a day off but putting hatteberg and RA in the 3 / 4 spots is crazy.
there's nothing like bowling a 300 game! 13 now and retired.
Ricky henderson has a higher OBP than C. patterson and he's retired. C. Trent 6-14-2008
Originally Posted by WVRedsFan
I find it difficult to question Narron's decisions at this point simply considering the fact that the Reds have out-performed everyone's expectations and are only one game out. He seems to get the most out of his players.
Originally Posted by WVRedsFan
I'm wondering about redszone's sanity after seeing this line-up. How many posters will be in vapor lock after seeing it?
Flip Hatteberg and Aurilia with Dunn and Kearns and it looks better.Originally Posted by RBA
Yet, who am I to question this team's decisions right now?
Great lineup. More proof Narron is an idiot.
There is a manager out there who can get more out of this team right now? Narron and the Reds are a perfect fit right now.Originally Posted by fielder's choice
Let's sit someone who hit 2 HR's Monday and reached base 5 times yesterday. Great idea. Oh, and stick our worst hitter in the cleanup spot.Originally Posted by SeeinRed
Originally Posted by SeeinRed
I agree...this team was projected to tank and here they are bidding for the division lead...I second guess some of the lineups put out there and sometimes the switches made but in the end, it is Narron's job and his to lose or keep.
"Sometimes, it's not the sexiest moves that put you over the top," Krivsky said. "It's a series of transactions that help you get there."
When you are on a hot streak you don't change anything, especially taking out the hottest player in baseball, Griffey, and another hot one, Ross. Ridiculous! In Vegas, when the roulette wheel has spit out 6 blacks in a row, do you bet on red the next spin? No way. You never bet against streaks. I still think they can win tonight, but you have try to ride out this streak as long as possible. Long win streaks don't come around very often and Narron seems content with 6 in a row. I want 10+. Why not?
"....the two players I liked watching the most were Barry Larkin and Eric Davis. I was suitably entertained by their effortless skill that I didn't need them crashing into walls like a squirrel on a coke binge." - dsmith421
Yeah, the Reds are 10 games over .500 despite the fact that their manager is a complete idiot. It doesn't work that way.Originally Posted by fielder's choice
Rich Aurillia is the worst hitter on the team? Where does that come from? The stats sure don't support that one.
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Painting alumni mentor Sarah Walko presents "If This Is a Book?"
Savannah, GA
120 Montgomery St.
Alumni mentor Sarah Walko (M.F.A., painting, 2005) will discuss her work and career to date.
Walko is a multimedia sculptor, installation and film artist, and writer. She is executive director of Triangle Arts Association, a nonprofit arts organization in New York City.
The event is free and open to SCAD students, professors, staff and alumni.
Email Stephen Darr for more information.


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Police said dangerous conditions spawned the 41-vehicle wreck that injured at least 10 people. The cause of the pileup remains under investigation.
LEXINGTON, Va. — Police say a two-car accident on Interstate 81 in central Virginia combined with blinding rain and speed as factors in a weekend pileup of 41 vehicles that injured 10 people.
State Police Sgt. A.D. Nicely said some tractor-trailers from Sunday's pileup near Lexington remained overturned by the roadside toay and crews would attempt to remove them safely once traffic eased up later in the day.
Nicely said witnesses and victims told police that a two-car accident and a torrential downpour preceded the pileup, which shut all southbound lanes for six hours.
Six tractor-trailer rigs were involved along with other vehicles. Traffic backed up for miles before the interstate fully reopened shortly before midnight. Nicely says two of the 10 injured people were airlifted to hospitals but no injuries were life-threatening.


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Avram Grant said he has not been asked to return to Chelsea and believes good football will convince Blues fans to back interim manager Rafael Benitez.
Benitez has faced an angry reaction from the Stamford Bridge crowd during the opening games of his reign since replacing Roberto di Matteo.
Grant himself has been touted for a return to the club, with owner Roman Abramovich reportedly keen to bring him back as an adviser to the Spaniard.
"No-one from Chelsea offered me this job," Grant told the BBC. "We didn't talk about this thing. This is not important. What's important is that Chelsea have a manager and the club need to support him and not look for any other things."
Chelsea became the first Champions League holders to exit at the group stage, despite a 6-1 in over Nordsjaelland last night.
Grant, who was last in charge of Partizan Belgrade, believes Chelsea need to carry on winning in order to convince the club's supporters Benitez is the man for the job.
"Any win is good and what Rafa needs now is good wins and good football to convince the supporters that they need to support him," he said.
"It's not easy times for Chelsea. It's the first time they're out of the Champions League at this stage and the gap between them and first place in the Premier League is huge. I think he needs it and they need it.
"Supporters are supporters and it is very difficult to change them unless you're winning games, but the club have to do it (support him) on a daily basis. I think that is most important, to give him a bit of quiet."
- More about:
- Avram Grant
- Chelsea F.c.
- Premier League
- Rafael Benitez


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Predicting the adoption of new products by consumers can be a very difficult task. With no historical data, it's hard to make solid predictions about the viability of a product still in development, or on the brink of launch. Fortunately, the Bass model of diffusion offers a scientific approach to this problem. What is the theory behind this model, and how does it work?
The Bass model
The bass model was developed by Frank Bass in 1969, and is meant to predict the rate of adoptions over time for new products. This helps in getting a picture of how the amount of new customers will develop. The model assumes that there are two ways of communication raising awareness of the product: mass-media communication (such as newspapers, magazines, TV, radio etc.) and word-of-mouth communication (oral communication about the product between people). This distinction is important because it affects different kinds of adopters: either the innovators or the imitators. Innovators are the early adopters. They are not influenced by the behavior of others and can decide to adopt the product based solely on mass-media communication. Initially, the innovators will be the largest part of your customers, and are very important to influence the second group: the imitators. Imitators are adopters that choose to try a new product based on word-of-mouth communication by others and the amount of previous adopters. Just like the name suggests, they mimic the behavior of others: the more adopters there are, the more imitators will also decide to adopt the product. To clarify things, here's a graph of the adoption process: (please note: displayed are the new adopters)
As you can see, initially most adopters are innovators, but as time progresses more and more imitators will adopt the product. Summing the number of new adoptions gives the following graph with the cumulative number of adopters:
Why does the graph have an s-shaped curve? Just after the launch of the new product the amount of adopters is still small, yet innovators will start to adopt the product. Gradually more and more innovators adopt the product, and as a consequence the number of imitators will start to rise. This follows an exponential process: the more adopters there are, the more new imitators will adopt the product. There comes a point in time however were most individuals in the market that are interested in the new product, and have the willingness to pay the set price, have been reached trough communication. The size of a market is just not unlimited. Therefore after the initial exponential development of adoptions, the number of new adopters will start to fall.
Now that the theory behind the model is explained, let's take a look at the formulas used to determine the number of adopters and the adoption rate.
How does the bass model work?
Three parameters are needed to be able to fill in the formulas. Needed are the coefficient of innovation, the coefficient of imitation and the size of the market, the latter of which we will call the number of potential adopters. How to determine these parameters? For the number of potential adopters (m), market research will have to be conducted. The coefficients of innovation (p) and imitation (q) are set by looking at historical data. When launching a new innovative product, often one does not have the luxury of historical data for this product itself. Therefore it is common practice to look at the coefficients of similar products that previously have been launched within the same product category and/or market. But what are these coefficients exactly? The coefficient of innovation stands for the chance that an innovator will adopt the product at time t. Likewise, the coefficient of imitation represents the chance that an imitator will adopt the product at time t. Now on to the formula. The rate of adoption (called P) at time t is given by the following formula:
(Y(t-1) represents the cumulative number of adoption so far.)
As you can see in the formula, the amount of imitators depends on the proportion of the market potential that has already adopted the product. The formula reflects the theory previously described: the more adopters, the more imitators. At the same time, the coefficient of innovation is independent of the previous amount of adopters.
Now that we have a formula for the amount of adoptions at time t, we can create a formula for the number of new adoptions (S) at time t. Only consumers that have not adopted before can become a new adopter. Therefore the number of new adopters is determined by multiplying the rate of adoption, for which we have established the formula, with the amount of potential adopters that is left:
With the aid of these formulas one can easily make sound predictions about the amount and rate of product adoptions to expect, without having access to any historical data of your own.
Source: Mahajan V., Muller E., & Bass F. M. (1990). ''New product diffusion models in marketing: A review and directions for research''. Journal of Marketing, 54(1):1–26


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Home › Forums › Campfire › Post-Trip Reports › Yet another JMT trip report
Dec 28, 2013 at 9:00 am #1311477
Maybe I can brighten up someone's dark, cold winter by sharing a long-overdue trip report from a (another?) father/son JMT trip this year.
There's a long, wordy trip report here; the file is large (25 MB) and the pages are many (~100). I recommend downloading the file from Google Docs (click file, then download) and viewing with your favorite pdf viewer, since the Google Docs pdf viewer appears to limit the images to 256 colors or something awful like that. Reader beware: there are a few four letter words (particularly between pp. 74 and 76).
If you just want to skip the reading and just see the pictures, there's a flickr album here.
And if you want neither, the TLDR version is: SoBo from Happy Isles with my dad; started on 8/27, exited Whitney Portal on 9/7, with all the typical glorious Sierra scenery in between. We packed lighter than we have been on past trips, with base weights around 13 lbs. The Rim Fire threatened, but luckily, didn't affect us. We had a great time.
If we were going to do it all over again, I'd probably bring a different pencil.Dec 29, 2013 at 6:39 pm #2058651
Tom ClarkBPL Member
@tomclarkLocale: East Coast
Pretty complete trip report…just short of a book, actually. Those photos (thru the link) were great. The end result really showed the hard work you put into the trip report.
I'm planning to of the JMT this coming August, so it was helpful to read through your memoir. What did you think about hiking late Aug-Sept (bugs, water, crowds)? Unfortunately, it sounded like the campsites were busy.
Thanks for sharing!
TomDec 29, 2013 at 7:02 pm #2058661
Greg MihalikBPL Member
@greg23Locale: Colorado
"Unfortunately, it sounded like the campsites were busy."
I've done several South-to-North trips, Whitney to Tuolumne, starting the 2nd week of September.
I didn't read the "book" so I don't know if specific campsites were mentioned, and if they are in the Valley-to-Tuolumne area I understand. Otherwise, since you are taking a canister and aren't dependent on trees for hanging, you won't have a problem finding a place to camp.Dec 30, 2013 at 6:16 am #2058756
David NollBPL Member
@dpnollLocale: Maroon Bells
Great readDec 30, 2013 at 9:37 am #2058811
Glad you enjoyed it! I think late August, September, and even early October are great times to be in the Sierra. In my limited (four years) Sierra experience, at that time of year, mosquitoes are usually gone (although in wet years, like 2011, they linger on into September). After Labor Day, the crowds seem to taper significantly. This year was a dry year, and I don't think we saw a single mosquito. We didn't bring DEET or headnets, expecting this to be the case.
In regards to water: 2013 was a dry year–the second in a row. But I think more problematic than any dried-up-water-source issues were situations where we were told there was no water for X miles, so we loaded up, only to find there was water available when we got there. All in all, only a few dry stretches, and they simply weren't problems. Tons of water in the Sierra.
In regard to crowds and busy campsites: well, first of all, I half-jokingly say that nobody hikes the JMT for the solitude. So we saw people where you expect to see people: Little Yosemite Valley, Mono Creek Crossing, Wood's Creek Crossing, etc. But there were a couple of times where we did have a hard time finding a decent site–the first was ascending Lyell Canyon. Every obvious campsite within five-hundred feet of the trail or so was was occupied, from the first legal camping, to the site we found, which was about 0.6 miles past the Ireland Lake junction. This was a surprise, because at the time, there was no access from the west to Tuolumne Meadows–120 was closed due to the Rim Fire. We thought Lyell Canyon would be a ghost town. Clearly, we were wrong.
The only other places where the obvious camping seemed crowded were Garnet Lake (we didn't look around too much, but the obvious sites were occupied; we moved on to Rosalie Lake), and descending Wood's Creek from Pinchot Pass, where for the last few miles or so before Wood's Creek crossing, there simply isn't much (obvious) good camping, and the few sites we could find were occupied. We just pushed on to Wood's Creek crossing, which of course has a bazillion sites.
Note than in any of the cases above, we could've asked to share a campsite, or camped closer than we thought polite, and I'm sure it would've been fine. We're not that needy–both with bivies and tarps, we only each really need a flat space the size of a person. In some places, that takes a little hunting, but presumably it gets easier with experience. It was never really problematic, just surprising in the few places I mentioned above.
So to summarize–yeah, it's a great time to go.Dec 30, 2013 at 9:43 am #2058812
See my reply to Tom–the only real surprise was Lyell Canyon. Previously, I'd been in Lyell Canyon this time of year, and never seen it as crowded as it was this year. Still can't really figure out why, especially with access from the west as limited as it was.
In any case, it wasn't really a problem, just a curious surprise–but at the end of a long (for us) day, an unwelcome one.Dec 30, 2013 at 5:58 pm #2058941
M BMember
Nice work. Enjoyed it. Thx.Dec 31, 2013 at 2:42 pm #2059159
Robert KellyBPL Member
@qiwizLocale: UL gear @ QiWiz.net
I'm looking at a JMT thru next year in early September and was planning on taking about 3 weeks, but your faster transit time is making me rethink my planned mileages, especially for the second half of the hike. One clear benefit would be not carrying as much food weight from Muir Ranch resupply. Three less days to do the second half would mean 4.5 less pounds in the pack.
I was very pleased to see you had a Big Dig in your kit.
Keepin' it light at: QiWiz.netFeb 4, 2014 at 8:01 pm #2069973
Whilly JoBPL Member
Nice and thorough report. I enjoyed it. Hopefully I will be able to do a thru hike of the JMT this summer. I will be doing it with a SMD swift. How did your dad like the swift on the hike?Feb 5, 2014 at 1:43 pm #2070256
Jennifer WBPL Member
@tothetrailLocale: So. Cal.
Wow, thanks for taking the time to write such a thorough report. Some great lines there, loved the part about the horses, I was cracking up. And I could just feel the lingering pain from kicking the rock on the second day. But the best line of all was, "I wanted to exit Whitney Portal—today—because there wasn't anything else out here for me. It was all hollow now."
And if you ever have a chance to go back, maybe with that son or daughter, make a point to stop at MTR for the night, that's probably what got me through the second week. Home made peach pie and home made ice cream, about four flavors to choose from, that was heaven.
Hmm, that just got me thinking, not sure if I've heard of a three generation family JMT trip. Keep your Dad in shape for a few more years!Feb 10, 2014 at 6:31 pm #2072056
John RowanBPL Member
This is really fantastic- I've been reading a lot of TR's/blogs/trailjournals while I'm planning my own JMT thru for this year, and this is definitely the best by a long, long shot. Thanks for taking the time to put everything together, and for sharing it with us.
The bit about the unattended stock animals was absolutely hilarious, although I suspect it was less so when you were there.Feb 12, 2014 at 3:01 am #2072532
The Big Dig was great! Not only is it light, but it's multi-functional–leave the spork at home! In all seriousness, I figured that if I went alone, I'd just use a tent stake or something for cat holes, but I'm glad I bought the Big Dig–it makes digging a piece of cake, and it weighs next to nothing.
Well, aside from the HYOH can of worms that discussing pace on the JMT always seems to open; in the first day or two out of MTR, you've got around 7,000 ft of climbing. I think you'd find yourself muttering obscenities at every extra oz in your pack (well, you'd mutter them if you weren't out of breath from the overweight pack and the climbing!).
I started to add another comment, but realized I actually WAS opening the HYOH can of worms, so I'll leave it at that.Feb 12, 2014 at 3:12 am #2072533
Glad you enjoyed it.
I'll ask my dad what he thought of the Swift, and edit this post if it's drastically different than my recollections, which were: he had no complaints about the features, design, etc, but had some shoulder, hip and back pain. His pack weight was somewhere between 15 – 24 lbs. That "carry pain" probably varies a lot from person to person, and unfortunately I never tried his pack for extended periods.
I think the volume was about right for his gear and a Bearikade Weekender.
IMO, it's a good pack.Feb 12, 2014 at 3:19 am #2072534
Ha, I will keep my dad in shape for a few years!
The first candidate for that third generation was just born last month, so it's possible…
We really would've liked a stop at MTR–but you have to make reservations in advance, and we had no idea when we'd be passing through. Since we didn't want to have to adhere to a schedule for the hike, we skipped it. If MTR allowed drop-ins, we probably would've payed $50 a plate.
I still get a little bit angry every time I see a horse.Feb 13, 2014 at 7:41 pm #2073298
Jennifer MitolBPL Member
@jenmitolLocale: In my dreams....
Adam, you're a genius. That was an awesome bit of writing.Feb 19, 2014 at 7:08 pm #2075274
Thanks for the praise!
It was quite a bit of work to write. Arguably more so than hiking the trail. Definitely worth it, though. There's something about backpacking that makes me reminisce more than other activities. I'm not quite sure what it is–I don't think it's as simple as the splendor of my surroundings. Maybe spending that much time out of my "comfort zone" makes a stronger imprint on my brain.
If I thought about it, I could probably recall distinct memories from every night I've spent in the backcountry (admittedly, probably only around 50). Still, all memorable.
Hopefully, years in the future, when I re-read this, it will bring back pieces of those memories that have drifted out of reach over the years. The father/son aspect will also become more important to me as the years go on, I suspect.Feb 24, 2014 at 2:29 pm #2076634
Peter JamesBPL Member
@pbjamesLocale: High Sierra
Thanks for the great report on your adventure, I just read it "cover to cover". Hopefully, you'll have many many more such trips ahead of you, enjoy!Jun 17, 2014 at 2:17 pm #2112224
Nikhil MaratheMember
Thanks for the excellent trip report Adam!
What was your strategy with regards to perpetuem? It doesn't pack a lot of calories/ounce but did the liquid form make it easier to handle regularly? How many daily calories would you say you got from it? Did you just drink some every hour or was it more of a proper meal, or was the powder just added to normal food to add calories (like olive oil)?
Thanks!Jun 20, 2014 at 10:52 pm #2113281
Glad you enjoyed it!
Perpetuem doesn't pack a ton of calories/oz, but it's not terrible, either–I think I weighed my dosed-out servings in snack-size ziplocks and arrived at around 110 cal/oz. That's middle of the road–perhaps a bit on the light end–of most of the foods I typically bring. Compared to other carbs I bring, that's actually probably pretty good. As an aside, it's also quite packable, being a powder, which helps when pushing the limits of a bear can.
I used it most frequently in the afternoons, almost like an IV drip of calories. I'd mix up two servings (540 calories) in a 20 oz Gatorade bottle, and sip it over the course of an hour or two. I originally planned on four servings per day, but decreased it before the trip, after noticing on a four-day trip that I didn't want to have that much of it. On the JMT, I wished I had more, particularly on days 6 and beyond. Due in part, perhaps, to the fact that I think I didn't bring enough carbs.
In any case, the perpetuem was great–it's on my short list of foods to always bring. Of course, Pringles are also on that list, so I'm not sure I'm the most reputable source for dietary advice…
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Listeriosis is a foodborne disease caused by eating food contaminated with Listeria monocytogenes. This organism causes serious illness in vulnerable groups such as the elderly, pregnant women, individuals with weakened immune systems and the newborn. Listeria monocytogenes is well-suited to growth and survival in foods, even if these are stored in the refrigerator, and is a major concern in ready-to-eat foods. Listeria are common in the environment and can be introduced into food by contact with contaminated surfaces or kitchen utensils.
Here we offer pointers for minimising the risk to vulnerable consumer groups in relation to ready-to-eat foods.
What Is The Concern?
Listeriosis is a relatively rare but serious foodborne disease that is of concern because of the severity of illness caused and the high mortality rate. It particularly affects people with reduced immunity (immuno-compromised), including the elderly, pregnant women and unborn or newborn infants. In these vulnerable groups, immunity (natural defences in the body) is often suppressed and the microorganism responsible for causing illness, Listeria monocytogenes, is able to cause infection in other parts of the body, resulting in serious conditions including meningitis, encephalitis, blood poisoning and liver abscesses.
During the 1990's, listeriosis affected between 90-130 people per year in the UK. In recent years (2003-2007), the number of cases has increased to around 180-240 cases per year. This increase in cases has been linked to one group of vulnerable individuals, the elderly (those aged 60 years and over). Similar recent increases in cases of listeriosis in this age group have been reported in other countries in Europe but the reasons for this increase are not known. There is no evidence of increasing prevalence in foods.
It is recognised that most cases of listeriosis, including sporadic cases (affecting individuals and not linked to outbreaks) and those linked to common-source outbreaks are caused by eating food contaminated with Listeria monocytogenes. The incubation time for listeriosis varies from 11-70 days and this means it is often difficult or impossible to identify the particular food that caused illness. However, using information from listeriosis outbreaks, it has been possible to identify the key types of foods responsible. These are predominantly ready-to-eat, long shelf-life delicatessen products such as certain meat products and soft cheeses.
Where Can Listeria Monocytogenes Be Found?
Listeria monocytogenes can be found in many natural environments, including soil, water, vegetation, sewage and farm environments. It can also be found in food manufacturing environments, in foods and in food preparation environments such as the home, e.g. worktops in the kitchen, sinks, cloths used for cleaning, and inside refrigerators. Contamination of foods can occur in food processing environments, after they are processed (such as cooking) but before they are packaged, and also when handling these foods in shops (e.g. on slicing machines, delicatessen counters), in the home and in catering establishments.
Minimising Risk
Listeria monocytogenes is destroyed by normal cooking processes (e.g. reaching at least 70°C at the centre of the food for 2 minutes), but can survive and grow at refrigeration temperatures. It is this characteristic of being able to multiply at low temperatures that enables Listeria to grow to levels that are high enough to cause infection.
Since many ready-to-eat foods are stored in the refrigerator before consumption and are not cooked before eating, they can be a potential vehicle for listeriosis. It is therefore very important that foods are stored at the correct temperature and that they are not kept in refrigerators for periods long enough to allow growth of Listeria.
Vulnerable groups can prevent Listeria infection by avoiding certain long shelf-life, ready-to-eat delicatessen products and by handling food properly. The European Food Safety Authority1 has identified the following such ready-to-eat foods as priorities: smoked fish, meat products and soft cheeses.
The maximum time that ready-to-eat foods should be kept is indicated by law on the label (the "use by" date), together with the storage conditions needed to allow that date to be met (e.g. actual temperature or "keep refrigerated"). Some foods are packed in special gas mixtures that allow the safe life of the unopened product to be extended. However, this does not change the way the food will deteriorate ("go off") after opening the pack; in this case, the label also carries essential, additional instructions (e.g. "eat within 2 days of opening").
Always follow these four simple rules
And … always follow the basic rules on general food hygiene:
Note: Listeria monocytogenes in ready-to-eat foods, Scientific Opinion of the Panel on Biological Hazards, EFSA; adopted by the BIOHAZ Panel on 6 December 2007. Available at: http://www.efsa.europa.eu/EFSA/efsa_locale-1178620753812_1178680093176.htm
Story Source:
Materials provided by Institute of Food Science & Technology. Note: Content may be edited for style and length.
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In association with the Play On label, she made her full-length solo debut with the self-titled album Zaz in 2010. Featuring a few songs written and produced by Raphaël, the album was well-received by critics and spawned the hit single "Je Veux." As positive word-of-mouth spread, Zaz steadily rose to the top of the French albums chart, hitting number one in its sixth week of release, and the album eventually went double platinum in France. Her international following grew, and during 2012 Zaz subsequently toured throughout Europe, Japan, and Canada. One year later, she released her second album, Recto Verso. Like Zaz's debut, Recto Verso went double platinum in her native France, and was certified gold in Germany, Belgium, Poland, and Switzerland.
Her third album, Paris, was conceived as a love letter to the capital, including a sequence of songs associated with Paris, including Cole Porter's "I Love Paris" (featuring Nikki Yanofsky) and Charles Trénet's "La Romance de Paris" (featuring Thomas Dutronc). The joyous results, released in 2014, resulted in Top Ten chart placings across Europe. ~ Jason Birchmeier
Selected Discography
Track List: Recto Verso
Track List: Zazí
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|Format: Paperback
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|Publication Date: 2012
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Twelve Extraordinary Women: How God Shaped Women of the Bible and What He Wants to Do with YouJohn MacArthurThomas Nelson / 2008 / Trade Paperback$5.00 Retail:4.5 Stars Out Of 5 88 Reviews
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Women's Lives In Biblical TimesJennie R. EbelingBloomsbury Academic / Trade Paperback$35.01
Publisher's Description▼▲
In this twelve-session small group Bible study, Twelve Women of the Bible, Lysa TerKuerst, Elisa Morgan, Jeanne Stevens and other leaders look at the spiritual lessons learned from twelve biblical women and what they mean for your life today.
Youll discover lessons from each of these women that will help you persevere through the circumstances you are facing today. Learn how to:
- Apply biblical lessons to their own modern-day struggles
- Live through their failures as well as successes
- Draw near to God in a world filled with trials
- Find lasting contentment
- Overcome rejection and insecurity
This Participant Guide features discussion questions, background information on each character, space to write down thoughts, a helpful Leaders Guide, and much more.
Sessions include:
- Eve: Finding Lasting Contentment in the Truth (Lysa TerKeurst)
- Rebekah: Breaking Free of Feminine Stereotypes (Jonalyn Fincher)
- Leah: Overcoming Rejection and Insecurity (Naomi Zacharias)
- Hannah: Surrendering in Waiting (Amena Brown)
- Abigail: Dealing with Confrontation in Relationships
- Gomer: Learning to Accept Unconditional Love (Jeanne Stevens)
- Mary, Mother of Jesus: Moving from Comfort to Courage (Jeanne Stevens)
- Mary Magdalene: Transforming from Outcast to Follower (Jonalyn Fincher)
- Mary of Bethany: Putting Our Faith into Action (Elisa Morgan)
- Martha: Finding Our Identity in Jesus (Amena Brown)
- The Woman at the Well: Turning Our Messes into Messages (Lysa TerKuerst)
- The Syrophoenician Woman: Approaching God with Persistency and Boldness (Naomi Zacharias)
Designed for use with the Twelve Women of the Bible DVD 9780310691624 (sold separately).
Author Bio▼▲
Lysa TerKeurst is the New York Times bestselling author of The Best Yes. She is president of Proverbs 31 Ministries and writes from her sticky farm table in North Carolina. She still has a crush on her husband, Art, who shes been married to for twenty-four years. They deeply treasure every minute they can get with their four married kids and one teenager who still keeps them very young. Connect with her at www.LysaTerKeurst.com.
Elisa Morgan is President Emerita of MOPS International, Inc., based in Denver, Colorado. She is the author, editor, or coauthor of numerous books, including Twinkle, Naked Fruit; Mom, You Make a Difference! Moms Devotional Bible; What Every Mom Needs; What Every Child Needs; and Real Moms. Elisa has two children, and a grandchild, and lives with her husband, Evan, in Centennial , Colorado.
As a poet, speaker, journalist, and event host Amena Browns words excite, ignite and inspire. Whether in front of audiences as intimate as 50 or as sprawling as 20,000, she has something to say that matters. The author of a chapbook and two spoken word CDs, Amena has performed and spoken at events across the nation such as The RightNow Conference, Creativity World Forum, Rock the Desert, Catalyst Conference, Chick-fil-A Leadercast, Atlantis Music Conference, and the 2008 National Poetry Slam Competition. She hosts a regular open mic in Atlanta every fifth Thursday at Urban Grind Coffee as well as hosting other poetry and music events.
Jonalyn Grace Fincher offers a distinctive voice as a female apologist. Holding a master's degree in philosophy of religion and ethics from Talbot School of Theology, as well as double bachelor's degrees in English and history from the University of Virginia, she is one half of Soulation (www.soulation.org), a husband/wife apologetics team. For the last three years Jonalyn has been lecturing, speaking and writing on how women are distinctly and fully made in Gods image. Her work has appeared in Radiant, Fullfill and UnChristian: What a New Generation Really Thinks about Christianity. She regularly updates her blog (www.jonalynfincher.com) sharing her insights about womanhood and the soul. Jonalyn and Dale love to take walks with their three Welsh Corgis in their new hometown of Steamboat Springs, Colorado.
Jeanne Stevens serves as one of the lead pastors at Soul City Church in Chicago, IL (www.soulcitychurch.com) Before starting Soul City Church Jeanne has been blessed to work with 2 amazing churches. Jeanne was on staff at Willow Creek Community Church from 1995 to 2005 where she served as a Student Ministry Pastor. She was also in leadership at North Point Community Church in Atlanta, GA from 2006 2009. Jeanne has been privileged to be able to write, consult, and train ministry leaders throughout the country. Jeanne is an engaging communicator and leader that is committed to helping people live and lead from their soul. Jeanne is the author of Soul School and the soon to be released book, What lies beneath. Jeanne's greatest joy is her marriage and mothering - she has been married to Jarrett for 14 years, they have a 4-year-old son named Elijah William and a 2 year-old daughter named Genevieve Grace "Gigi².
Naomi Zacharias graduated from Wheaton College. After working in sales for Coca-Cola, she joined RZIM and launched Wellspring International, an initiative devoted to providing financial grants to international efforts working with at-risk women and children. Naomi has spent time in red-light districts in The Netherlands, India, and Thailand; foster homes for children affected by HIV/AIDS throughout Asia; hospitals providing surgical treatment for women who have been victims of violence in the Congo; womens prisons in South Africa; displacement camps in Indonesia, Uganda and Pakistan; areas of the Middle East offering aid to Iraqi refugees; and areas of Southeast Asia devastated by the tsunami of 2004. Naomi recently met and married her husband, Drew, in Florence, Italy. They currently live in Oxford, England.
Sherry Harney (sherryharney.com) has served as a childrens ministry director and a womens ministry director, and is the author of more than sixty small-group Bible studies. One of her greatest passions is investing in the next generation of women in the church.
Product Reviews▼▲
Cindy lou5 Stars Out Of 5twelve women of the bibleFebruary 22, 2017Cindy louQuality: 0Value: 0Meets Expectations: 0this is awesome study. the ladiea group are enjoying this study as it pretains to lives today
Tracey5 Stars Out Of 5Women's bible study resourceJuly 20, 2016TraceyQuality: 5Value: 4Meets Expectations: 5A great study for discussion - with good video intros for each lesson....
Lois5 Stars Out Of 512 women of the BIBLEFebruary 9, 2016LoisQuality: 5Value: 5Meets Expectations: 5AFTER STUDYING SOME LONGER, MORE ARDUOUS BOOKS, THIS ONE IS GREAT. THE HOMEWORK IS MINIMAL, BUT, THE CONTENT IS FULL AND EDUCATING. THE VIDEO SEGMENTS ARE WONDERFUL, EACH WOMAN PRESENTS WELL, AND IS A PLEASURE TO GET TO KNOW, AND THE LIFE STORIES, BY THOSE WOMEN ARE HEART TOUCHING WITH THEIR HONESTY AND VULNERABILITY.
Nancy BlandPennsylvaniaAge: 55-65Gender: female5 Stars Out Of 5Enduring choiceJuly 17, 2015Nancy BlandPennsylvaniaAge: 55-65Gender: femaleQuality: 0Value: 0Meets Expectations: 0Used this book for the last three summers as a short 4 week ladies Bible study. Each week a different woman of the Bible and it has been perfect since each lesson stands alone. Our summer attendance can vary so no one misses out if they have to skip a week. The videos and questions generated lively discussion.
Ladies of Faith Leader5 Stars Out Of 5Twelve Women of BibleFebruary 26, 2015Ladies of Faith LeaderMy life group enjoyed this study. Each woman of the Bible seemed to relate (In God's way) to at least one specific person in our group. Discussions were open and interactive. It allowed us to pour over His word and learn more about who we are as women of God. It was surprising to all of us how relevant these twelve women are to today's women.
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- Books >> Bible Studies & Curriculum >> Study Guides >> Biblical Subjects >> People
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- Church & Pastoral >> Small Group Resources >> Study Guides >> Biblical Subjects


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Former lover sentenced for threats to kill
The ex-boyfriend of a supported housing tenant has been handed a six month suspended prison sentence for threatening to kill a support worker.
Mark Craig was found guilty last week of making threats to kill Paul Gorman, a housing support worker at Paradigm Housing Group. Mr Craig also admitted firearms offences.
Mr Gorman said Mr Craig blamed him for the break up of his relationship with one of the association's supported tenants. The tenant told Mr Gorman that Mr Craig said he had a shotgun and he was going to shoot him and then turn the gun on himself.
Mr Gorman said the incident, which happened in October, has left him so traumatised he is considering quitting his job.
'Housing staff are putting themselves at risk all the time and I am starting to wonder why we bother,' he said. 'I don't feel the criminal justice system is there to protect the public or victims of crime.'
He had been 'feeling numb' since hearing about the sentence, he added. St Albans Magistrates' Court suspended Mr Craig's sentence for one year and ordered his shotgun to be destroyed.
Mr Craig has also been banned from Paradigm offices and is facing eviction from his temporary home, also provided by Paradigm, after Welwyn Hatfield District Council found he was not eligible for permanent rehousing.


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As Louise prepares for her wedding day to Philip, she cannot get a man named Kirk out of her mind -- no matter how hard she tries.
How did Louise come to doubt her marriage to Philip, you ask? Well, it all started one day at the construction site of the couple's future home -- a gift from Philip's father. As the couple examines the property, a well-muscled stranger (Kirk) catches Louise's eye.
Later that day, Louise visits with her mother who senses her misgivings about the impending marriage. She reminds Louise what a good and stable life Philip will give her. But security means little when the gorgeous stranger consumes Louise's thoughts as she lies in bed.
Despite feeling guilt over fantasizing over another man, Louise goes to visit the construction site the next day. Alone. She tells the hunky construction worker that she is afraid of heights and silently, he takes her by the hand. When he turns his back on her, she becomes enraged. However, the stranger's coolness towards her doesn't prevent Louise from taking comfort in her fantasy of the chiseled mystery man.
That evening while dining in a crowded restaurant, Kirk asks to join Philip and Louise due to lack of seating. Philip reads his menu while Kirk essentially undresses Louise with his eyes and the two press their knees together under the table.
Louise stuns herself when she realizes she has slipped out of her shoe to start a game of footsie with Kirk. She is momentarily stunned, but quickly becomes entranced by Kirk once more when he seductively (and a bit strangely) eats an orange. After dinner and after parting ways with Philip for the evening, Louise waits in the darkness for Kirk. When he shows up, the two passionately embrace... and embrace some more...
The two daring lovebirds continue to see each other right up until the wedding. As Louise makes her way out of her house for the church on the big day, Kirk appears. After a steamy kiss, Kirk picks Louise up and puts her in his car and drives off.
volcanic love..."
Thinking she has been kidnapped, Philip and Louise's father call the police. When the escapees are pulled over, the officer inquires as to Louise's compliance in the affair. Ascending from her past guilt over her infatuation with another man, Louise declares loud and clear that she loves Kirk and intends to marry him. As the two speed away, Louise's father is left in a state of bewilderment.
Interesting, no?! Between the images and the text, "Perfect Match" reads unlike most romance comic book stories from the '60s and '70s. Few are so blatantly sexy, mildly erotic, and full of potential euphemisms. Though the Comics Code had been loosened somewhat in early 1971, this story when read closely, still seems as though it just slid under the radar.


text:
[Date Prev][Date Next][Thread Prev][Thread Next][Date index][Thread index]
Re: st: RE: re: missing dummy variable
Maarten buis <firstname.lastname@example.com>
Re: st: RE: re: missing dummy variable
Thu, 11 Oct 2007 10:31:59 +0100 (BST)
--- "Wallace, John" <email@example.com> wrote:
> I have been exploring -xi3- recently, and I've been wondering why the
> e. option for generating indicator variables relative to the grand
> mean doesn't work the way Kit and Maarten describe. I've been
> playing with some toy datasets trying to figure out how to generate
> the 95% confidence intervals for the coefficient of the dropped
> I've managed to deduce how to calculate the coefficient itself, but
> the standard errors and so forth aren't obvious.
The parameter estimate of the dropped value is:
-1 * sum(not dropped estimates)
As Kit noticed you can get it using -lincom-, but if you have many
variables some tricks might be very useful.
With -xi3- all not dropped variables will start with _I, so you can get
a list of all not dropped variables using:
unab varlist : _I*
This list of variable names is now stored in the local varlist. If you
could in this list replace all occurences of " _" with " + _" you would
get the expression of the sum of all not dropped variables. You can do
that like this:
local test : subinstr local varlist " _" " + _", all
Now you can easily use -lincom- even if you have many _I variables:
lincom -1*(`test')
I think that the display of this many parameters would call for a
graph, so in the example below I show how I would add such information
together into one graph. A lot of the tricks I use are explained here:
*------------------ begin example ---------------
sysuse auto, clear
gen domestic = !foreign
rename make desc
gen make = word( desc,1)
tab make
xi3: regress mpg e.make
unab varlist : _I*
local test : subinstr local varlist " _" " + _", all
lincom -1*(`test')
sort make
by make : keep if _n == 1
keep make foreign
b = st_matrix("e(b)")'
// remove constant
k = rows(b) - 1
b = b[1::k,1]
// add dropped level
b = st_numscalar("r(estimate)") \b
V = st_matrix("e(V)")
se = diagonal(cholesky(diag(V)))
// remove constant
se = se[1::k,1]
// add droped level
se = st_numscalar("r(se)") \ se
df = st_numscalar("e(df_r)")
ci = b :- invttail(df,0.025):*se, b :+ invttail(df,0.025):*se
idx = st_addvar("float",("b","lb","ub"))
sort b
egen xaxis = axis(b), label(make)
twoway rcap ub lb xaxis || /*
*/ scatter b xaxis if foreign == 1, /*
*/ mcolor(red) msymbol(O) || /*
*/ scatter b xaxis if foreign == 0, /*
*/ mcolor(blue) msymbol(O) /*
*/ xlab(1/23,valuelabel angle(45)) /*
*/ yline(0) /*
*/ ytitle("deviation in mpg from grand mean") /*
*/ xtitle("") /*
*/ legend(lab(1 "95%" "conf. int.") /*
*/ lab(2 "foreign") /*
*/ lab(3 "domestic") )
*------------------ end example ---------------
(For more on how to use examples I sent to the Statalist, see
http://home.fsw.vu.nl/m.buis/stata/exampleFAQ.html )
Hope this helps,
Maarten L. Buis
Department of Social Research Methodology
Vrije Universiteit Amsterdam
Boelelaan 1081
1081 HV Amsterdam
The Netherlands
visiting address:
Buitenveldertselaan 3 (Metropolitan), room Z434
+31 20 5986715
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Grab a keepsake for one of NASCAR's premier drivers by browsing our Juan Pablo Montoya Collectibles and Memorabilia, all officially licensed at Fanatics.com. You'll find the best selection of Juan Pablo Montoya Autographed Items, including Signed Commemorative Plaques, Trading Cards, Display Cases and Juan Pablo Montoya Diecasts. Remember your favorite driver forever with some Juan Pablo Montoya Memorabilia from Fanatics.com.
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text:
I have a ghost.... or just a very weird short...
I need some help.... I can hang a ceiling fan, replace a switch, wire up
X10 things, build a PC from parts... but I have an electical short that has me absolutely stumped.
I have a circuit breaker ( #29 on my panel ) that controls
the AC unit in my home Office
electical plug in my utility room
vent fan in my utility room
overhead light in my untility room
the dryer and washer in my utility room are on other circuits.
My computer router WAS connected to the plug in my utility room
24/7 for the past year. ( my house is about 10 years old... we've lived here for 2.5 years )
4 nights ago... at about 9:45 pm, the plug, lights and fan in the utility
room stopped working. I know that it was that time... because I get
a email notifying me of any network issues.... I got the first one at
9:45 pm. For the last year... I have NOT gotten any emails caused
by power issues to this plug/router... it JUST started happening 4 days
ago. This is not something that has been happening... but not noticed... it has NOT been happening.... it just started...
...now here is where it starts to get a little weird.... the AC in my office
(connected to circuit breaker #29 ) is NOT affected by this. My office AC
works fine... the plug, fan and light in the utility room ( on the same circuit ) don't work...
AND... sometime between 7am ( when I checked to see if the lights
were working or not ) and 3pm ( when I got home to check again ) the plug, fan and light all started working again...
AND... they all worked untill about 9pm where they stopped working... ( the AC still worked ) and they started up again after 7am.... but then stopped again after 9pm.... and then started again.....
I think that there may be water involved when the plug, fan and light stop working. These things are NOT on a GFI protected circuit. It might
not be water... but it seems like when it goes down... someone is washing the dishes in the kitchen or washing the dog outside or running the sprinklers.....
I can't find anything else but the AC, utility plug, utility fan and utility light that are on the circuit breaker #29.
I'm pretty sure that it is not a breaker issue because my AC works. I have digital display and my office has a lot of electronics and it gets hot
fast if the AC is off.. it was 106 outside yesterday.... 79 in my office )
When the AC is off... it heats up fast.
I have flipped the breaker on and off serveral times debugging this issue.
I am not sure what line feeds the plug, fan and light. Once they start
working again, I'm going to see if replacing the Plug with a GFI version
might tell me something....
... so besides ghosts..... does anyone have any ideas?
Thanks - jack
Start by checking the two receptacles for back stab connections.
You do not want to have anything electronic running off a GFCI protected outlet, if you have a surge protector installed. You will get nuisance tripping.
I'd be willing to bet that you have a loose connection in the circuit, downstream from the A/C unit, since it seems to be unaffected by the problems.
Start from the A/C outlet, and verify all the connections are good and tight. Any "back-stabbed" connections should be removed, and reconfigured on terminal screws, or pigtailed with wirenuts.
If that doesn't do it, continue to the first outlet in the line, etc.
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text:
Climbs 4
Rocktype Ice
Altitude 31m a.s.l
Faces E
Looking focused on my first WI4 © agtoni
Obvious cliff with some ice on it.
Just across the valley from Huuhkajavuori (http://slabi.net/images/Huuhkajavuori_ajo_ohje.png). The cliff is visible across the road as you drive along Rauhalantie. There is parking next to the wooden hiking shelter where you can cook sausages afterwards. Drop down and cross the field to the obvious cliff.
No guides found for this crag
|There are no comments from visitors to this crag.


text:
Well the Jets are giving the Texans everything they can handle right now. Edit - Sanchez just threw a pick in the redzone. lol
Another interesting note that could effect the Ravens-Texans game is that Cushing went down with a knee injury off a nasty cut block. Of course it's too early to tell now, but it didn't look good and he went to the locker room.


text:
DOWNERS GROVE, Ill. — Homeowners, renters and businesses who received U.S. Small Business Administration (SBA) loan applications when applying for federal assistance are strongly encouraged to complete and return them as soon as possible.
Completing the SBA application is an essential step in qualifying for other types of federal assistance. If SBA finds that a homeowner or renter cannot afford a loan, it refers the applicant back to FEMA for possible further grant assistance. Grants from the U.S. Department of Homeland Security Federal Emergency Management Agency (FEMA) jump-start the disaster recovery process, but total recovery usually costs more than eligible losses covered by a FEMA grant.
For long-term, back-to-normal recovery, the SBA offers a disaster loan program for homeowners, renters, businesses and private nonprofit organizations. Low-interest SBA loans are the largest source of disaster assistance following a disaster. In designated counties affected by a disaster, residents with damages and losses can apply for loans with interest rates as low as 2.5 percent for homeowners and renters and as low as 4 percent for businesses, with terms up to 30 years, as follows:
- Homeowners may be eligible for loans up to $200,000 for disaster-damaged real estate;
- Renters and homeowners may be eligible for loans up to $40,000 for disaster-damaged contents and personal property (including automobiles);
- Businesses and private non-profit organizations of all sizes may be eligible for physical disaster loans for disaster-damaged real estate and/or contents;
- Small businesses and private non-profit organizations of all sizes may be eligible for loans for economic injury to help with working capital needs due to the disaster.
Applying to FEMA is the first step toward disaster recovery. Individuals can apply online any day of the week at www.disasterassistance.gov or call 1 800-621-FEMA (3362) from 7 a.m. to 10 p.m. daily. TTY users may call 1 800-462-7585. Phone assistance is available in many languages.
SBA Disaster loan information may be obtained by calling the SBA's Customer Service Center at 1 800-659-2955 or TTY 1 800-877-8339 Monday through Friday from 8 a.m. to 6 p.m. EDT and by e-mailing to firstname.lastname@example.com. Apply online at SBA's secure website at https://disasterloan.sba.gov/ela/. For more information about the SBA disaster loan program, visit the SBA website at www.sba.gov.
Residents can also receive help with their application and further information on recovery programs at one of four Disaster Recovery Centers (DRCs) in the designated counties.
FEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards


text:
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Browns Favored By 2 1/2 On Road Against Baltimore - Cleveland Leader
The Crazy Newshound has found a new Ravens article.
Browns Favored By 2 1/2 On Road Against Baltimore
Cleveland Leader, OH - 5 hours ago
The Browns are a road favorite this week against the Baltimore Ravens (4-5). The Over/Under for the 1:05 Kickoff is 43.5. A win by the Browns is crucial for ...
NFL Week 11 opening line report Covers
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EXPLORE ICELAND ON YOUR OWN TERMSOur sparsely populated island is surprisingly diverse in geographic terms, considering its relatively small size. Each region has particular characteristics and since you're here, why not take in the full experience? Our 4×4 camping cars are perfect for exploring the natural wonders of Iceland!
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"Very good experience. Friendly, helpful, reliable and car in good condition. The tent is extremely easy to fold/unfold and the bed comfortable. We can only recommend this company."
— Francesco Prosperi


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The successful implementation of Perceptive solutions proved to be the beginning of a journey for Citizens Memorial Healthcare, a 74-bed acute care hospital in Bolivar, Mo. Once employees discovered the time savings and efficiency enhancements the document imaging and management solutions made possible, they began to conceptualize more and more possibilities. According to Kim Tilley, Healthcare Information System Manager, "we chose a solution that allowed us to accomplish even more than we envisioned at the time we chose it. It is truly a technology that allows for goals to shift and grow."
Organization-wide applications of Perceptive innovations have supported Citizens Memorial Healthcare's conversion to a complete electronic medical record, earning the healthcare provider an impressive accolade: recognition by HIMSS Analytics as a Stage 7 hospital – the highest possible distinction – on its electronic medical record adoption model.