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The case for each superfella.
Superman's a better idea than the bomb. When I was a kid the bomb was the biggest thing in my life, because my parents were activists. The bomb was this horror to me. Then I discovered Superman. Here was a guy who, if the bomb went off in his face, it might give him a mild tan…
I always related to Superman, because he was so kind. I didn't really relate to the Marvel heroes because they were so angry and they were always fighting each other. Superman was a moral exemplar. Especially if you're a little kid – he truly is a moral exemplar, more so even than Jesus. Because Jesus doesn't fly around and punch things and fight dragons. That made Superman cooler!
Superman is the emblem of our better selves. He's everything we want to be in situations where we feel threatened and vulnerable.
All- Star Superman was intended to be quite domestic. He's got a dog, he's got a house, he's got a girlfriend, and he's got problems with all of it. Just because his house is an arctic fortress filled with these treasures doesn't mean it's not just his house. He has to take Krypto for a walk. He takes him for a walk around the rings of Saturn, but he's still taking his dog for a walk. He still has problems with his girlfriend.
His emotions are written on this large- scale cosmic canvas, which makes even a visit from your relatives into an epic drama. You've got your friends, but they live in the future… So I came to feel that the key to Superman stories was to just tell domestic stories about human emotions but on this giant canvas that made them mythic. Because that's how we feel inside – everything's mythic. You break up with your lover and it's an agonising destruction of a romance. It's Romeo And Juliet.
He's got the whole world in his hands.


text:
An ivor Production
An ivor Production
At the start of this school year the school that your son Mikey, who has just turned 15, attends announced that it was linking with a school in Slovakia. Rather to your surprise Mikey appears to have developed a relationship with Petr a boy of similar age there.
This is Petr:
[You must be registered and logged in to see this image.]
They seem to spend a lot of time emailing each other - fortunately Petr's English is very good which is a lot more than can be said about Mikey's Slovak.
A couple of days ago Mikey, came to you asking if you would pay for him to go on holiday this summer (which is only a month or so away) to stay with Petr in Slovakia along with two of his best friends who he says have also established good friendships with other boys there. It seems the Slovak families are happy to accommodate the boys at no cost.
Over the years Mikey has been at times a bit of a brat and the idea of him spending time in Bratislava does, as you tell him, have some appeal. You also told him you would consider making a contribution towards the cost, but if he really wanted to go then he should set about earning some of the money himself.
This evening you drive home from work to see outside your house:
Mikey - 15
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[You must be registered and logged in to see this image.]
Mikey attired in the speedos that Petr, a very keen swimmer, sent him at Christmas, but which your SO has very firmly told him should only be worn when swimming.
Are you going to tell Mikey to get his wash leather and start on your car or is that speedo clad butt of his soon going to feel the leather of your belt?

subset: commoncrawl


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I sat in a room this morning among a group of women. I have been meeting with them for the past 4ish weeks. There have been good discussions. We center them around what we learn from the book of Daniel, for that is what we are studying. Today, we talked about legacies we inherit and those we leave. We discussed our families. Oh, how they have such a large impact on what we become. But they do not limit who we can be.
I had a grandmother who sang in the choir. Her fingers would run up and down the piano board, and other musical instruments had crossed her path as well. She taught me a love of God, hymns, hospitality, and love. My other grandmother took care of those around her. She gave and did what she could, and sometimes tricked others into helping when it may not be what they wanted. She taught me perseverance, forgiveness, and individuality.
I have been blessed in the legacies I have received, but I'm not naïve. They were not perfect people, and some things that were passed down were not things I was particularly grateful for. What I have come to understand is just because something is handed down doesn't mean I have to keep it. And just because I am a certain way doesn't mean it was handed down. Put plainly, wherever my own bad behaviors came from, I have a choice. Do I keep following those who came before me (or my own bad choices), or do I stop and recognize God as the one who formed me and created me to be His?
I look at my children and consider what I am passing down. I have worked hard to become different in some aspects. Not different than someone else, but from who I used to be. I was angry at times, too angry. I took it out on everyone around me with no care as to the results. I was blinded by anger and felt justified in those moments. For a while I justified afterwards for the guilt was heavy and it was easier to pretend it wasn't there.
But one day I realized the affect my anger had on my little boys. And it broke my heart.
That's when I started allowing God to make a difference. I no longer accepted myself for the broken angry woman I had become. I knew God could create something beautiful within me and between me and my children, and that was what I longed for. After many years of hard work, heart changing work, I am pleased to say I still get angry sometimes. But it's a different angry now. It's healthy and caring and works to put the relationship first. While I still slip at times and it's possible for flames to fly from my eyes I get it under control quicker and for that I am grateful.
So what legacy do I leave? Hopefully one which is fuller than simply anger. Hopefully it is one in which they know the legacy that passes through them is up to them. Hopefully I have shown them they can make a change because the God who loves them is with them, knows them, created them, and will help them.
And so I do the best I can to be the best I can be, leaving blame at the back door, and grateful that as my children go out the front door they go with God.
Friday, October 19, 2012
Wednesday, October 17, 2012
The fear for your family.
Isaiah 44:2
This is what the Lord says --
he who made you, who formed you in the womb,
and who will help you:
Do not be afraid,
O Jacob, my servant, Jeshurun, whom I have chosen.
In this world the people we seem most connected with is our family; those who raise us and come from us. We want the best for them, and hope God will be with them. And yet, even Jesus asked who his family was. The answer: "Those who do the will of my Father in Heaven."
Sometimes it's hard to understand the teachings of the Bible. As I read through Isaiah 44 my heart calls to those prodigal children who exist today. So many who have strayed or turned their back on the Lord and I ask God return them to their home. The ache which happens because of the loss of a relationship is one which cannot be filled by anything else. Whether it is a parent, a sibling, or a child, it makes no difference. So, as God speaks here what is He saying?
I think God is reminding us that we do not only come from our parents, but Him, as well. He is also reminding us He will take care of those who come after us; we won't.
God created us in the womb. He knows us more intimately than we even know ourselves. When our parents walk away, hurt, or behave in painful or hurtful way we can know God is our ultimate parent. The ancestors of the exiles made decisions which affected their children. They refused to walk with God so the children ended up away from the place they loved where they could worship their God. But God had not abandoned them. He reminds them He chose them. Let go of the anger and bitterness towards those who left you to deal with their consequences. God has you.
We are not promised our children will follow God's ways, but we teach and we pray and we hope they choose well. Then we have to let them go. Then what? If they turn away we keep praying and hoping. We also claim those who come after us in the faith as our children, as Paul did with Timothy. Timothy had no father in the picture that we know of, but Paul claimed Timothy as his own and taught him, and hoped for him, and prayed for him.
Question 1: Is there a relationship you can heal by humbling yourself and admitting your own wrong doing? What is keeping you from changing the course you are on? Have you hardened your heart against someone who has hurt you? What will it take for you to forgive and let go of the bitterness?
Question 2: Forgiving a relationship, either past or future, does not mean the relationship is healed. Are you willing to give time to building trust and respect back to where it may have once been, or simply where it needs to be? Is pride standing in your way from making amends?
Dear Father
These relationships you have graced us with
are difficult and trying at times
Forgive us our lack of patience and our hard hearts
Help us to build bridges
Help us to show your love
Monday, October 15, 2012
The Exiles' Fear
|Isaiah 44:2 and 8 are the next two "Do Not Be Afraid's." Originally I thought I would combine them, but digging in brought me so much information and insight I simply had to keep them as two separate weeks of information. We are still in the "Book of the Consolation of Israel" with Isaiah letting the future Exiles know they have not been forgotten. Chapter 43 ended with a warning of judgement.
But now listen, O Jacob, my servant,
Israel, whom I have chosen.
Oh yes, Lord. You chose us. Thank you. Abraham was your friend, you were with Isaac, and wrestled with Jacob our fathers. Thank you…
This is what the Lord says – he who made you,
who formed you in the womb, and who will help you:
God has created us. You created us. We would not even exist if it weren't for You, Oh Lord…
Do not be afraid, O Jacob, my servant,
Jeshurun, whom I have chosen.
Jeshurun – see! He has not forgotten us in this foreign and strange land. He calls us his beloved…
For I will pour water on the thirsty land, and streams on the dry ground;
I will pour out my Spirit on your offspring, and my blessing on your descendants.
He can change the very land we stand on. Our children will be safe with Him. Our children will not be forgotten by God…
They will spring up like grass in a meadow, like poplar trees by flowing streams.
One will say, 'I belong to the Lord';
another will call himself by the name of Jacob;
still another will write on his hand, 'The Lord's,' and will take the name Israel.
They will be fruitful and plentiful all claiming the name of the Lord. Oh what hope and promise we have received. Despite our hardship God is with us and our children.
Isaiah 44:2
This is what the Lord says -- he who made you, who formed you int he womb, and who will help you; Do not be afraid, O Jacob, my servant, Jeshurun, whom I have chosen. (NIV)
Thus says the Lord who made you And formed you from the womb, who will help you, 'Do not fear, O Jacob My servant; and you Jeshurun whom I have chosen.' (NAS)
Thus says the Lord, Who made you and formed you from the womb, Who will help you: Fear not, O Jacob, My servant, and you Jeshurun [the upright one -- applied to Israel as a type of the Messiah], whom I have chosen. (Amplified)
Barnes notes: Jeshurun expresses affection and tenderness. it is doubtless a title of affection, and probably includes the notion of uprightness or integrity
Matthew Henry: Israel is here called Jeshurun, which means "the upright one." Such only are Israelites indeed, in whom is no guile. Those that serve God he will own. He will help them over difficulties, and in their services.
John Gill: In this chapter the Lord comforts his people with the promise of the effusion of his Spirit, and the blessings of his grace upon them; the consequences of which would be fruitfulness in them and the conversion of others, who should profess themselves the Lord's people
David Guzik: Though Isaiah 43 ended with a warning of judgement, it does not mean God takes back his promise of hope and restoration. There is a sense that God made each one of us, so we have a personal obligation to Him as our creator. God will not only give them [a returning Israel] his spirit but he will pour out his spirit on them as if water was poured over them. They will spring up among the grass like willows: the effect of the poured out spirit is life. Life springs up and grows where the Spirit of God is poured out.
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|16 m²
|Tipo de imóvel
|Estadia Mínima
|1 - 2 noites
My husband and I had an incredible stay at Caribe Town! The property is beautiful and well cared for. Our bungalow felt private and was perfect for the two of us. Jessica and Mark took exceptional care of us- helping to organize dolphin watching, feeding us breakfast and recommending restaurants. We would return in a heartbeat and would recommend Caribe Town to our nearest and dearest. It doesn't hurt that the beach is RIGHT ACROSS THE STREET.
There aren't enough superlatives to do justice to our stay at Caribe Town. We were in such good hands when we landed in the care of Jessica and Marc. They do everything you expect => very clean and well appointed accommodations, delicious and ample breakfasts, amenities that make a stay easier (laundry service available, kitchen access which makes traveling with kids so much easier, beach towels... we wanted for nothing.) And then... they go above and beyond what you require. They found a location for my husband to play tennis - no small accomplishment! They made special food to meet the dietary restrictions of our family. They are available and so happy to help with whatever you need. Jessica was super communicative before we arrived, answering questions and helping with directions. She made a massage appointment for me. (And this, people, is not to be missed. A massage by the magical Helena, surrounded by the jungle! If you are lucky as I was, it will rain. I listened to the rain while my troubles were massaged away. It was bliss.) They offered great restaurant recommendations and more... We were treated to Pipa, cut fresh out of the trees right there at Caribe Town. My son watched them chop a bunch of bananas from the tree before we'd even taken the suitcases from the car. We were vistied by sloth and toucans, iguanas and frogs. The birds and frogs and rain sang us to sleep at night. We explored the reef and tide pools and jumped monster waves in the sunshine during the day. The beautiful and minimally populated beach of Playa Cocles is just across the road. Perfect location. Perfect hosts. Costa Rica at its finest. Can I give them 6 stars?
the bungalow was adequate, mattress comfortable but it had only screens for windows and was VERY loud with roosters, dogs barking, birds chirping and miscellaneous jungle animals doing their jungle noises. The host was nice, but the pool was not swims or at the time of our stay, and very small, kind of disappointing. Safe and clean.
My sisters and I stayed at Caribe town in one of the bungalows for 12 nights, and to say the least it was worth every penny. Jessica and Marc are the most gracious and wonderful hosts I have ever had when travelling. We were greeted the minute we arrived with warmth and smiles. Everyday spent they both had great suggestions for adventures for us to do. I have never stayed anywhere where the hosts go so much out of their way to make sure your comfortable and happy. I am allergic to gluten and Jessica and Marc went out of their way (literally drove onto a different town to find the right flour) to make me homemade gluten free bread, pancakes and even banana walnut muffins! Our bungalow was great for the three of us, and we always had exactly what we needed. This vacation was the best I have had, and I owe so much of it to Jessica and Marc for providing us with such a beautiful, safe, relaxing and VERY well kept place to stay. I highly recommend staying here, and already miss Caribe Town so much!
Thank you Jessica, Marc and the hard working staff of Caribe Town, the three sisters will definitely be back to see you again!
A friend and I stayed at this resort back in May and luckily we weren't planning on spending a whole lot of time at the resort anyway because the amenities were not up to par. The "swim up bar" would have been fun if there was a bartender. The "snack" menu would have been nice if we got hungry later but there was no one there at night. We also noticed, there was no one else staying there the 3 and a half days we were there, which was weird and made us a little uneasy. It felt pretty safe though, as the gates were shut and locked every night. The nice young gentlemen did make us breakfast in the mornings and it was very good. He was also very helpful with setting up tours and adventures for us each day. The only thing that really upset us was being lied to and taken advantage of when it came to setting up a shuttle to pick us up and take us to our next resort. He told us the only way there was with the shuttle that was over $200!! Because we thought this was our only option and we trusted him, we just went with what he told us. Come to find out, we very well could have taken buses which would have cost us around $20 per person. Granted, it would have taken longer, but we would have loved to save the money even if it took a little more time. It was a cute place to stay, but would I choose to stay here again? Probably not.
My now fiancé and I had the privilege of staying at Caribe Town for 10 days in late April and I can honestly say it was everything we had hoped for and more! The owners, Jessica and Marc, along with Carlos went above and beyond what was expected to ensure that our stay was perfect from beginning to the end. Here's our story:
Unbeknownst to my girlfriend at the time, I was secretly planning our engagement to take place during our trip to Costa Rica. After exhausting some resources on my own, I reached out to Jessica and team to see if they would be interested or could help in the planning of our special day. Not only did Jessica agree to help she seemed genuinely excited to be part of our big day. After exchanging emails for almost two months prior to our trip, Jessica and Marc had outlined the most amazing day completely catered to my ideas on how I wanted to pop the question!
The day started out like any other day at Caribe Town, with an awesome breakfast and excellent coffee. We then set off for horse back riding with Bruce at Playa Chiquita Riding Adventures. Once back at Caribe Town we got ready for what I told my girlfriend was a special dinner at the resort. She thought it was "special" because dinner is not something Caribe Town offers. After a quick drink at the bar, we were lead to the beach directly across the street. Once we got to the beach, she saw the bamboo cabana that Marc had constructed and setup earlier that day. There was a candle lit path on the beach and the cabana was beautifully decorated with candles and fresh flowers. What followed was an amazing meal prepared by Marc and Jessica. If you ever get a chance to enjoy a meal prepared by Marc, do NOT turn it down! Dinner was followed with chocolate desserts from Bread and Chocolate in Puerto Viejo and at this point my girlfriend was a nervous wreck waiting for me to ask the question. With Jessica's help, I had one more surprise setup, FIREWORKS!! Yes, Jessica actually found and arranged a pyrotechnic company to put on a fireworks show on the beach as a backdrop for me to ask the big question. She said yes and it's a day that neither of use will ever forget!
Its in no way a stretch to say that non of this would have been possible without Jessica, Marc and Carlos's help! We both felt extremely lucky that not only did we find an amazing gem of a resort in the jungle of Costa Rica but we had the most amazing hosts and left with what we consider friends for life!!
3 km ao sul de Puerto Viejo. 150 metros de frente é ondas suaves para o corpo de surf e natação grande e águas calmas de coral piscina explorar. Dirija para o norte e estamos a uma curta distância de grande surf também. 10 km ao norte de Manzanillo. Fácil acesso a tudo!
|Validade da Tarifa
|por noite
|Noite (fim de semana)
|por semana
|por mês
|Pacote ou Evento
Navidad 2017
dez 22 2017 - jan 1 2018
Estadia mínima: 2 noite(s)
Easter 2017
mar 23 2018 - abr 2 2018
Estadia mínima: 2 noite(s)
Tarifa Básica
Estadia mínima: 1 noite(s)
Full hot daily breakfast is included with bungalow rental! We offer breakfast with variety! You can choose any combination of what you like from the classic options and the special of the day.
The Classic: Homemade toast, eggs cooked your way, chorizo, homemade jam and fruits.
The Specials: pancakes, coconut French toast, omelets, Gallo Pinto, homemade muffins, bread pudding…and we're always trying new options!


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Milan: Inter Milan announced on Thursday they have reached an agreement with Bayern Munich for Switzerland midfielder Xherdan Shaqiri.
Xherdan Shaqiri
The 23-year-old is set to arrive in Milan in the coming hours to put pen to paper on his move to the San Siro.
"Inter Milan and FC Bayern have agreed terms for Shaqiri," the Italian club posted on Twitter. "Just the paperwork to be signed."
Inter have not given further details but, according to the local media, Shaqiri is expected to join the Nerazzurri on loan until the end of the season before making a permanent switch in the summer in a reported 15million euros deal.
The former Basle player, who has scored one goal and provided two assists in nine league appearances for Bayern, is poised to sign a contract with Inter until June 2019.
Shaqiri joined Bayern from Basle in 2012, and has won two Bundesliga crowns and the 2013 Champions League with the German giants.
Roberto Mancini's Inter lie 11th in the Serie A standings, 18 points adrift of leaders Juventus after 17 games.


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Full Name
Lanfeng Grubner
Kapitän der Sterne
Lanfeng Grubner was an Andermani citizen and an officer of the Imperial Andermani Navy.
Biography Edit
Holding the rank of Kapitän der Sterne, he was in command of the battlecruiser IANS Neue Bayern, and worked cooperatively with the Manticoran heavy cruiser HMS Fearless to stop the depredations of PNS Vanguard and find and recapture the light cruiser IANS Alant, which had been taken over by the People's Navy. (HHA4.2: WOS)
Service Record Edit
Promotions Edit
- Kapitän der Sterne
Posts Edit
- Commanding Officer, IANS Neue Bayern


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Nineteenth-century American poet Walt Whitman said, "Great poets need great audiences," a statement that's even more true of public speakers. Being a good audience member means more than just turning off your cellphone -- it also means being prepared to ask good questions during the question session following the talk. While the success or failure of the talk depends primarily on the speaker, the success of the question session depends on audience participation.
Write Your Questions
We all have valid ideas or questions that vanish from our minds the instant we are called upon to speak. Avoid this by writing out questions as they occur to you. You do not need to write them out completely and read them verbatim; just make notes that will enable you to recall the substance of the question. As many audience members -- and the speakers -- find cellphones distracting or offensive during speeches, use a pen and small pad of paper for note-taking.
Do Your Research
The more you know about the speaker, the easier it is to formulate intelligent questions. Research the speaker's past to ask questions linking past projects to the topic of the current speech. For example, you might ask businesspeople about how earlier positions or educational experiences led to their current successes. Use your research to be as specific as possible, asking such questions as, "How did your years as a sales manager at ABC Corporation help you turn around XYZ Corporation after its sales declined in the recession of 2011?"
Read Up Beforehand
Read a speaker's published works to help you ask intelligent questions. If the speaker's position has changed from a statement in an earlier publication and the speech, ask the reason for the change. You might ask a fashion consultant: "Four years ago you wrote in your blog that people should never wear navy and black together, but today you said that navy and black can be an elegant combination. What led you to change your mind?" Another type of intelligent question is asking how principles or ideas articulated in an earlier work can relate to the speaker's current projects.
Expand or Clarify
Jot down topics or ideas about which you would like the speaker to expand or clarify. As you listen to the speech, note the points on which you might like more information or the material you found confusing. Most speakers have far more to say about their areas of expertise than they can fit into the time limits of a single speech and are happy to expand and elaborate in question sessions.
Look to the Future
Ask speakers about their future business, research or publication plans. For example, after an academic presentation, ask about follow-up or future research projects that the speaker is planning. Or ask a question based on how the implications of part of the speech show a need for more research or action. You might ask a philanthropist who is trying to help eradicate malaria, for example, what other diseases need attention in the future.
What Makes a Question Intelligent
Sounding intelligent during a question session does not mean showing off how much you know by hijacking the question session to give your own speech. An intelligent question is the query that shows you listened carefully to the speaker and perhaps did some research on the speaker's biography or work. Most importantly, good questions demonstrate that you have the intelligence and courtesy to ask something that leads the speaker to supplement the speech with interesting or useful material, rather than trying to draw attention to yourself or trip up the speaker.
Related Searches
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- Toastmasters International: Helping Others Speak
- Big Think: How to Ask a Good Question at a Public Event
- Times Higher Education: Six Conference Questions Every Academic Hears
- Jobs.ac.uk: The Question and Answer Session at an Academic Conference
- The Naked CEO: How to Ask Great Questions During a Q and A Session
- Photo Credit Noel Hendrickson/Photodisc/Getty Images
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0.11 acres in Hill County, Texas
108 Abney
Hillsboro Texas
SIZE: approx 50'x100'
LEGAL DESCRIPTION: Lot 3 Quickenstedt addition.
STATE: Tx
COUNTY: Hill
GENERAL LOCATION: In Hillsboro about 3 blocks south of Hiway 22.
DRIVING DIRECTIONS: From Hiway 22 turn South on Pine. go 2 blocks to Abney,l turn right go 1/4 mile. lot is on southside of Abney.
GENERAL ELEVATION: 650 ft.
GENERAL INFORMATION: Buildable Lotin the growing town of Hillsboro. Stores are 1/2 mile away. all city services available. Fort Worth is only 55 miles.
TYPE OF TERRAIN: level
ZONING: residential
POWER: yes.
PHONE: yes
WATER: yes at the street
SEWER: yes at the street
ROADS: paved
PROPERTY TAX: $35 a year per lot
TIME LIMIT TO BUILD: none
ASSOCIATION DUES: none
Owner financing available
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Kent Taylor
1881 .com Investments
5402 Bull Run circle
Austin, TX 78727
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NOTE: The information contained herein is provided as general information only and has been obtained from sources deemed reliable. It is provided without any guaranty, warranty or representation, expressed or implied, made by Lands of America, or any related entity, as to the accuracy or completeness of the information. The information is presented subject to errors, omissions, change of price or conditions, prior sale or withdrawal without notice. Prospective purchasers should make their own investigations, projections and conclusions concerning the information.


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As the nights draw in and the weather becomes more unpredictable, keeping your horse fit and healthy can be a challenge. But the colder months are also the time to up your training, try new things and make the most of exploring the British countryside in winter. Here's how:
There is nothing worse than freezing fingers and toes when you're only half a mile into your hack, so it is worth investing in some thermal finger and footwear for the coldest months. Layer up on the rest of your body, so you can remove clothing once you warm up. The same goes for your horse — if he feels the cold or has been clipped, consider using a wrap-around exercise rug.
Whether it's a special Sunday hack, a dressage lesson or a show jumping competition, having something to aim for will give you an incentive to get out of bed and onto the yard in the mornings. Sit down with friends and a diary and thrash out a plan — having an aim or something to look forward to is the best winter tonic.
This can be difficult if you're confined to the arena and have limited daylight hours, but it is important to keep your horse fit and entertained. Try to include as much hacking as possible when you have time on your side. When you do find yourself confined to the school, pole work and grid work will help make arena sessions more interesting.
You and your horse should always wear hi-vis clothing while riding on the road, but this is especially important in the winter when visibility can quickly deteriorate.
If you have no choice but to ride in the dark, a headlamp that attaches to your riding hat or a lighted harness can be indispensable. Another trick is to drive your car up to the side of the arena and use the beam of the headlights to create a 20-metre 'spotlight'.
If you are riding in the school, always have in your mind what you want to achieve by the end. Whether it's a square halt, keeping straight over a cross-pole or practising counter-canter, making one thing the focus of a session will almost always make it more productive — which is important when the weather or time are against you.
A well-exercised, content horse that has a little mud in his mane will generally be happier and healthier than a sparkling clean animal that has not left his stable for 24 hours. If you must choose between grooming your horse or spending time exercising him, always go for the latter — just make sure he's dirt-free where his tack will sit (and on his lower limbs, to prevent mud fever).
If a lack of daylight hours and bad weather are keeping you out of the saddle, try incorporating some groundwork into your horse's programme. Learning to long-rein effectively will benefit not only your horse's fitness, but yours too, and time spent working him from the ground will improve your relationship.
Riding over frozen, rutty fields or in an uneven arena will leave your horse at risk of spraining a tendon. If you do decide to venture out in freezing conditions, make sure the surface you ride on is flat but not slippery. If you choose to ride in the snow, it is a good idea to thoroughly grease you horse's hooves with something like petroleum jelly, WD-40 or goose fat to stop the snow from balling up. It is a good idea to stop and examine your horse's feet at regular intervals to make sure he is not standing on 'stilts'.
Try to exercise your horse most days to get his circulation going, but if you don't manage to get out due to bad weather, make sure you reduce his feed rations accordingly.
Image: galloping in the snow by Five Furlongs Photography via Flickr, CC BY-ND 2.0


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Florida Keys
Photographic Story Buttonwood trees are a type of mangrove, but have wonderfully rugged bark that adds wonderful texture and shape to a photograph. I found this Buttonwood near Key Largo in the Florida Keys. Analog – Archival Silver Gelatin Photograph Clyde's silver gelatin black and white images are created using an 8" x 10", 11" x 14", or 12" x 20" view camera. Clyde prints his images in his own darkroom on fiberbase paper in a limited edition. The photographs are selenium toned, then mounted and matted to current archival standards. His images come in sizes from 8" x 10" inches to 5'x 8' feet. His love of art and nature is seen in the exceptional detail and more subtle textures of his photography.


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The Society organises a varied programme of lectures and visits to exhibitions and places of interest each year. Our schedule for 2017 comprises (further events to be added):
- 21 January 2017
Lecture by Helen Bratt Wyton – "Hidden Wightwick and the Acquisition of its Collection".
Venue: Birmingham & Midland Institute, 9 Margaret Street, Birmingham – Lecture starts at 11.00 a.m.
Wightwick Manor, home of the Mander family, was designed by Edward Ould in the Old English Style. Now in the care of the National Trust, it is a treasure trove of the Arts and Crafts Movement with Kempe glass, Morris fabrics and wallpaper and a wonderful selection of Pre‑Raphaelite art. This illustrated lecture will explore Wightwick Manor's reserve collection and how its stunning art collection came to Wolverhampton.
Helen Bratt-Wyton has been Head Steward at Wightwick Manor for 15 years. Her varied role involves looking after Wightwick Manor's stunning collections and interpreting these to the public. She also delivers a yearly talk programme on site and to groups and Societies around the region on Morris, the Pre-Raphaelites and Wightwick Manor's collections. Helen is one of the founder members of the William Morris Network, a group of organisations and Societies involved with the life and work of Morris and his circle.
- 25 February 2017
Lecture by Dr. Lucy Ella Rose – "Evelyn De Morgan: The Metamorphic Mermaid".
Venue: Birmingham & Midland Institute, 9 Margaret Street, Birmingham – Lecture starts at 11.00 a.m.
"Second generation" Pre-Raphaelite Evelyn De Morgan (1855-1919) actively supported female emancipation in petition and paint. This paper investigates how she employed the metamorphic mermaid as a model for socio-political transformation from captivity to liberty. Her series of mermaid paintings The Little Sea Maid (1880-88), The Sea Maidens (1885-86) and Daughters of the Mist (1900-09) was inspired by Hans Christian Anderson's popular tale The Little Mermaid (first translated into English in 1872), and she seizes the narrative as a suffragist. Focusing on their series, this paper explores the representation of the female nude; the feminist significance of the sea; the dynamics of the gaze; the subversive symbolism of the mermaid; and the significance of the dawn in early feminist iconography. It shows how Evelyn re-appropriated masculine symbols and classical myths and represented the female body in her art in order to engage with contemporary gender debates and early feminist issues.
Lucy Ella Rose is Teaching Fellow in English at the University is Surrey, where she completed her PhD awarded by the University and Watts Gallery, Surrey in 2015. Her specialist area is women in the nineteenth-century creative partnerships, and she is currently writing her first book: Suffragist Artists in Partnership: Gender, Word and Image. For publication by Edinburgh University Press in 2017.
- 18 March 2017
Lecture by Wendy Holborow – "Work: Forward Motion".
Venue: Birmingham & Midland Institute, 9 Margaret Street, Birmingham – Lecture starts at 11.00 a.m.
In 1864, Ford Madox Brown declared that "the finished canvas embodies no less than the work of my life." He was referring to his painting Work which took more than eleven years to complete, eventually aided by regular instalments of money from his patron Thomas Plint. This lecture will look at Ford Madox Brown's painting Work through a collection of poems and a short play. The corona of sonnets in the series won first place in this Society's 2016 competition. The poems take many poetic forms such as the sonnets, but also a Mesostic and several open field poems. Much of the narrative is a figment of Wendy's imagination, backed up with research on the painting and the social commentary of Victorian England. It has been said that the painting had radical implications by placing the working man at the top, rather than at the bottom of society's hierarchy of value.
Wendy Holborow, winner of The Pre-Raphaelite Society 2016 poetry prize, poet, playwright and story writer. She was born in South Wales, UK, but lived in Greece for fourteen years where she founded and co-edited Poetry Greece. She has won prizes for poetry some of which have appeared in Agenda, Envoi, Poetry Ireland Review, Poetry Salzburg Review, and many others internationally. She was awarded a poetry Mentorship with Literature Wales in 2012 and has just completed a Masters in Creative Writing at Swansea University (with distinction). She was selected as an International Merit Award winner by the Atlanta Review in 2015 and 2016. Poetry Salzburg published her collection After the Silent Phone Call (2015) and An Italian Afternoon from Indigo Dreams is forthcoming this year. The book Work's Forward Motion, (2017) will be available after the lecture.
- 22 April 2017
Visit to Biddulph Old Hall, Stoke-on-Trent with tour by owner Nigel Daly.
Biddulph Old Hall is the historic home of the Biddulph family from which the town gets its name. The inhabited house was originally a small single cell hunting lodge which was developed into the family's principal residence, part-stone, part-timber framed. Around 1530, a new mansion was commenced alongside the existing manor, and this was described as "Mr Biddulph's Fair New House of Stone" in contemporary accounts. The house had the involvement or influence of Robert Smythson in its architecture. The Biddulphs were Recusant Catholics and so by about 1580 were being fined heavily so work stopped. No further development was achieved before the house was caught up in a siege during the English Civil War in February 1644, after which it was brought to ruin. The family never rebuilt the new mansion, instead restoring the earlier house which still survives today.
The house was sold out of the family for the first time in 1861, when it was bought by James Bateman, the creator of the famous gardens at Biddulph Grange, now in the care of the National Trust. His youngest son Robert created a studio there, and from 1871 had a lifetime tenancy on the house, painting many of his best known works in the house. Many of his artistic circle visited. During the 20th century the house slowly slipped into disrepair but has been restored by Nigel Daly and Brian Vowles, who have also created a Briar Rose garden within the remaining upstanding ruins. Currently three of Robert Bateman's original works are on show in the house.
We will be treated to a tour of the house by the owner Nigel Daly with tea and cakes after the tour and free time to explore.
- 13 May 2017
Lecture by Patrick Baty – "The Artists of the Artists Rifles".
Venue: Birmingham & Midland Institute, 9 Margaret Street, Birmingham – Lecture starts at 11.00 a.m.
The Artists Rifles was one of the more curious regiments of the British Army. It was formed in 1860 by a group of painters, architects, poets, sculptors, musicians and actors who were concerned about a possible invasion by the French. Early members included most of the Pre-Raphaelite Brotherhood, William Morris, Frederic, Lord Leighton and even the poet and novelist Algernon Swinburne. Admittedly, some were more effective as soldiers than others – Morris seemed to have trouble with drill; Rossetti questioned every order and Ford Madox Brown managed to shoot his own dog when first on the rifle range. However, Millais was a capable soldier and was elected one of the original officers. Leighton was also a natural leader and commanded the regiment for many years, Whistler describing him as "Colonel of the Royal Academy and the President of the Artists Rifles – aye, and he paints a little!" The regiment was the natural choice for young men of an artistic persuasion in 1914 and well-known artists like John and Paul Nash, the poets Edward Thomas and Wilfred Owen and the playwright Noel Coward wore the uniform of the Artists Rifles. In view of the calibre of men serving in its ranks it became an officer-producing unit and turned out over 10,000 officers for service in other regiments during WWI. Members of the regiment won more gallantry awards than any other.
Patrick Baty is a specialist on the architectural use of colour in historic buildings. His work covers research, paint analysis, colour & technical advice and colour surveys. Projects have ranged from King Henry VIII's heraldic Beasts; Baroque churches; country houses; wartime RAF stations and London social housing estates to structures such as Tower Bridge and Holborn Viaduct. He also works in the USA. Patrick's first book The Anatomy of Colour is published by Thames & Hudson in May 2017. He served in the regiment for ten years.
- 24 June 2017
Lecture by Colin Cruise – "The Cloister and the Laboratory: Rossetti between the Past and the Present".
Venue: Birmingham & Midland Institute, 9 Margaret Street, Birmingham – Lecture starts at 2.00 p.m.
In two early watercolours, The Laboratory (1849, BMAG) and Fra Pace (1856, private collection), Rossetti depicted scenes from distinct historical periods, the fifteenth and seventeenth centuries. In doing so he contrasted not only their visual style but also the different values and morals of the cultures they represented to him. These works have only rarely considered in their own right and have never before been compared and contrasted. Colin will do so in this talk in order to open up discussions about the artist's wider aesthetic programme. The dates of these works are crucial – the first being at the start of Rossetti's involvement with the Pre-Raphaelite Brotherhood, the second at a point when the Brotherhood began to dissolve. Yet there is a dialogue between the two works that will be uncovered and explored here. In their different ways these watercolours look forward to themes worked out by Rossetti in more familiar paintings, a discussion of which forms the second half of this paper.
Colin Cruise is Professor of Art History at the School of Art, Aberystwyth University. He has written widely on nineteenth-century art and the Pre-Raphaelites. In recent years he was guest curator for two exhibitions for BMAG, Love Revealed: Simeon Solomon and the Pre-Raphaelites and The Poetry of Drawing. His current research project is a study of the drawings of Dante Gabriel Rossetti.
- 29 July 2017
Lecture by Dr Ayla Lepine – "Pre-Raphaelite Religon and Religious Pre-Raphaelites".
Venue: Birmingham & Midland Institute, 9 Margaret Street, Birmingham – Lecture starts at 11.00 a.m
From the outset, the Pre-Raphaelite Brotherhood and their close associates sought to create new ways of interpreting Christianity through their radical work. This lecture draws upon a cluster of well-known and lesser-known artworks by Dante Gabriel Rossetti, William Holman Hunt, John Everett Millais, and Edward Burne-Jones, exploring contrasting paths that each artist took towards uncovering innovative approaches to religious subjects in their work. Two figures – a mother and son – will form a framework for considering these fresh perspectives on religious imagery in the midst of a profound set of shifting factors in the art world, theology, and British society that made the Pre-Raphaelite renewal of a religious vision particularly revolutionary. By studying how these artists depicted Christ and the Virgin Mary, new understandings of the Incarnation and the Mother of God emerge in order to demonstrate that these four artists, in their own bespoke way, did nothing less than counter-culturally preach with paint.
Dr Ayla Lepine is a Visiting Fellow in the Art History Department at the University of Essex. Following her PhD on the Gothic Revival at the Courtauld Institute of Art, Ayla held fellowships at the Courtauld and Yale, and has taught, lectured, and published widely. She focuses on Victorian sacred art and architecture in Britain and is completing a book on medieval impacts upon modern cities.
For further details relating to any of the events mentioned above please email info@Pre‑Raphaelitesociety.org.
Please note:
- Admission for all regular lectures is charged at £8.00 – there is no admission charge for our Founder's Day lecture. Charges for visits are available on application.
- Pre-booking for all lectures is strongly advised – venues have limited seating capacity and if you attend without pre-booking you risk being turned away.
- The Society reserves the right to allocate lecture applications on a first-come, first-served basis where demand for places exceeds venue capacity.
- The Society reserves the right to cancel, alter, or postpone any events, as it may consider expedient or necessary.
- Members are reminded that they should have adequate personal and travel insurance cover when attending any Society event.
- Disclaimer Participation in any event is entirely at your own risk. The Society cannot accept any liability for injury, loss, or damage, however caused.


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Submitted by jerryterrizo1030 • January 9, 2014 jerryterrizo1030.soup.io
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I Want to Live! (1958)
Plot Summary
Barbara Graham is a woman with dubious moral standards, often a guest in seedy bars. She has been sentenced for some petty crimes. Two men she knows murder an older woman. When they get caught they start to think that Barbara has helped the police to arrest them. As a revenge they tell the police that Barbara is the murderer.- Written by Mattias Thuresson
A prostitute, sentenced to death for murder, pleads her innocence.
Be the first to contribute! Just click the "Edit page" button at the bottom of the page or learn more in the Synopsis submission guide.


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Gift Annuity Risk Analysis Options
- Ethel Heath
- 2 years ago
- Views:
1 Gift Annuity Risk Analysis Options It should come as no surprise that charitable gift annuities feature a measure of risk. Nevertheless, a charity can take steps to maximize the likelihood its gift annuity program will be successful in spite of the potential downsides. The secret lies in understanding the inherent challenges and then assessing how well the program is responding to them. First a Word about the Risks Faced by Annuitants Even though the balance of this article will be devoted to addressing the risks gift annuities pose for any charity that offers them, it is worth noting that annuitants, too, encounter some risk. One concern is that the charity will cease being able to make the annuity payments. Of course, an annuitant can generally feel relatively secure in knowing that the payment obligation undertaken by the charity is backed by all of the organization s assets, not just those contributed for gift annuities. In addition, under the law of several states, a charity must maintain a separate reserve account to cover its gift annuity obligations. Still, if a charity s financial situation worsens to the point that no source of funds remains available to draw upon in making annuity payments, the annuitant will probably have nowhere else to turn. A separate concern is that the purchasing power of the annuity payments will decline over time, perhaps to an undesirable level. Inflation has been a reality in our economy for the better part of a century now, and while it is conceivable the purchasing power of a fixed sum of money received annually might actually increase at some point in the future (as a result of deflationary economic conditions), a prudent annuitant will remain mindful of the greater likelihood of at least some inflation occurring each year for the rest of his or her life. Moreover, an annuity s purchasing power will always be further eroded to some extent if an annuitant lives long enough that all of each annuity payment received from that point on is taxed strictly as ordinary income. One Main Risk Faced by Charities, Several Contributing Factors The ultimate risk a charity faces in offering gift annuities is that in one or more cases the amount contributed for a particular annuity will be exhausted before the payment obligation ends. If it s any comfort, even the most successful gift annuity programs experience this phenomenon from time to time. This does not mean, however, that the charities operating those programs simply tolerate such occasional outcomes. Rather, they strive continually to minimize the possibility that any annuity will lose money. Furthermore, doing so is of increasing importance the more a charity issues gift annuities for restricted purposes versus for its general use. A related risk is that the financial benefits a charity derives from its gift annuity program will be subpar. An organization can take little comfort in minimizing the number of gift annuities that lose money if it otherwise typically nets only modest amounts. What constitutes a modest residuum? A good working benchmark is anything substantially less than half of the amount contributed. For many decades, American Council on Gift Annuities (ACGA) has used a target residuum of 50 percent in formulating its suggested gift annuity rates. Because the overwhelming majority of U.S. charities offering gift annuities adhere to those rates, achieving a lower
2 residuum is at least implicitly an unwelcome result. This is especially so given that surveys conducted by the ACGA over the last 20 years reveal that charities generally wind up with more than half of what was contributed for each annuity. Even in the case of a successful gift annuity program, certainly not every gift annuity the charity issues can be expected to produce a residuum of at least 50 percent. The goal, though, should always be not only to minimize the downside but also to maximize the upside. In other words, whenever solid results are achievable, mediocre results should not suffice. In setting its suggested annuity rates, the ACGA acts on behalf of charities (as well as annuitants) to address three fundamental risks that underlie the more global risks just discussed: mortality risk, investment risk, and the risk that whatever victories a charity wins in confronting the first two will be squandered by excessive fees and other direct costs of operating a gift annuity program. Although detailed consideration of these three risks is beyond the scope of this article, each deserves a brief bit of attention. Mortality risk is the possibility that a particular annuitant will live significantly longer than one would expect based on his or her age. The ACGA rates compensate for this risk by increasing the life expectancy associated with each applicable age. In addition, even though ACGA surveys conducted over the years have found that slightly more than half of annuitants are women, the ACGA rates are based on the assumption that all annuitants are women. Since women have longer life expectancies than men, this adds an element of conservatism with respect to male annuitants. Furthermore, with respect to all annuitants, an additional element of conservatism is found in the fact that every annuitant is assumed to be a full year younger than he or she actually is. Investment risk reflects the possibility that the charity may earn an insufficient return on what donors have contributed for gift annuities. On the one hand, it is not realistic to expect a charity to earn each year the amount that needs to be paid in connection with all of its annuities for that year. Still, a charity should take prudent steps, through diversification, careful investment selection, etc., to maximize its return on the investment of gift annuity contributions, recognizing that the higher the desired return, the greater the risk. With this in mind, each time the ACGA develops or reviews a set of suggested annuity rates, it attempts to factor in a reasonable rate of return a charity can expect to earn on a realistic mix of cash, bond, and stock investments. At present, that rate is a relatively low 4.25 percent. It is based on current interest rates associated with fixed income instruments, as well as on historical returns associated with stock investments, reduced to account for potential poor results during some years. Expense risk is how one might conceive of the final category of concerns a charity should anticipate. While the charity will certainly incur costs for things such as staff time and marketing materials in the course of conducting its gift annuity program, these sorts of expenses are properly paid with funds other than the assets contributed for annuities. By contrast, fees for investment management and payment processing, along with tax and regulatory compliance, relate directly to maintaining a gift annuity effort. Drawing upon input from various sources, the ACGA s suggested rates assume that each year a charity will devote 1.0 percent of its gift
3 annuity assets to paying such expenses. This effectively results in a current net rate of return on gift annuity investments of 3.25 percent. Moreover, the ACGA assumes a charity will not spend any portion of any contribution until the applicable payment obligation has ended. This means that if a charity appropriates some of what a donor has contributed for a gift annuity before the annuity terminates whether in a lump sum or periodically by means of recurring internal fees that exceed true expenses this will increase both its investment risk and its expense risk. To some extent, a charity will be better able to spread risk the more annuities it has, provided it exercises appropriate care in conducting its program. Yet even the very largest programs in the country generally don t benefit from the ability to neutralize mortality risk, obtain superior investment diversity, or control expenses through disciplined efficiency the way that even small insurance companies do. Still, a charity with 20 well-managed annuities probably has less risk than one with 10 such annuities, one with 50 has less risk than one with 20, etc. Note: Even though the discussion above makes frequent reference to the ACGA and to how it addresses the different forms of risk when it goes about establishing a set of suggested annuity rates, those risks exist regardless of the annuity rates a charity offers. Assessing the Risk Attributable to Actual Gift Annuities No less often than annually, a charity should ask itself how its gift annuity program is faring. Ideally, the charity should take into account not only the relative health of gift annuities that remain in force, but also those that have terminated. Indeed, if a charity is trying to determine the overall profitability of its gift annuity program, it must be mindful of: Current annuities that may be at some risk of exhaustion or of poor performance; Those that have now ended but nevertheless managed to result in a healthy residuum, perhaps even a residuum in excess of the amount contributed; and Everything in between. Incidentally, the phenomenon in the second bullet point above can be the case when 1) the sole or surviving annuitant dies only a few years after the gift annuity was established (especially if death occurred during the deferral period associated with a deferred annuity) and 2) while the annuity was in force, the charity kept expenses to a minimum and achieved very good investment results vis-à-vis the size of the payment obligation. In short, with respect to some of the annuities it issues, a charity may turn out to meet quite successfully the various risks outlined earlier in this article. Still, the charity s focus going forward should be both on trying to minimize the continuing risk attributable to existing annuity obligations and on positioning itself as well as possible to deal with the risk attributable to new obligations it will be undertaking.
4 Risk at the Pool Level A charity can get a quick idea of how its current gift annuities are doing as a group simply by comparing the total amount contributed for those annuities with the amount that now remains. The remaining amount should be comfortably more than 50 percent of the contributed amount. If the percentage is less than 50, then the charity knows that even if all its existing annuities terminate tomorrow, they won t hit the target residuum set by the ACGA. Again, however, annuities that have already terminated may have done so with residua well above 50 percent, thereby lessening the overall impact of any disappointing performance among existing annuities. Naturally, this sort of basic analysis can be performed only if the charity tracks what becomes of gift annuity contributions over time. If the charity simply puts all contributions into its general fund and does not thereafter account for them separately, pretty much all of the analysis options reviewed in this article will not be available. True, it may be possible to figure out after the fact what would have become of gift annuity balances had they been tracked, but that can be a daunting endeavor. That said, PG Calc has been able to help several clients recreate individual annuity balances so that they could then track each annuity balance separately going forward. If a charity must maintain a gift annuity reserve account pursuant to the laws of one or more states, then the odds are good that it will be able to track what has become of its gift annuity contributions. In this regard, the charity will need to ensure each year that the balance in the reserve account is at least equal to the amount mandated by the state(s) in question. If the charity immediately deposits in the reserve account all of whatever is contributed for annuities but later finds it needs to transfer additional assets to the account in order to meet state requirements, that is a very good indication the program as a whole is encountering some difficulty. Risk at the Individual Annuity Level While it can be helpful for a charity to get a big-picture understanding of how its annuity contributions have been holding up over time, more valuable insight can often be obtained by looking at each particular gift annuity. To do this, however, the charity will need to track on an annuity-by-annuity basis what has become of each contribution, rather than just what has happened with gift annuity contributions as a whole. If in fact a charity has done this, then regardless of whether it must comply with the gift annuity reserve account laws of any specific state, the charity can compare how the remains of each contribution stacks up against the reserve amount (determined according to the methodology of whatever state the charity wants to use for measuring purposes). For example, if a charity that tracks its gift annuities individually happens to issue annuities solely to Texas residents, it can nevertheless choose to see how what remains of each contribution compares with what New York indicates is the reserve requirement for that payment obligation. An annuity with a balance exceeding the associated reserve requirement is probably doing okay, whereas one with a balance below that figure might be a candidate for some special attention. Furthermore, when all the results are aggregated, a quick pool-level analysis can be conducted as well. Likewise, independent of what any state might require, a charity should at least try to ensure that its gift
5 annuity assets exceed whatever its audited financial statement shows as the present value of its annuity obligations. A separate approach a charity can take is to start with the existing balance for each of its annuities and then project based on various constant net return assumptions what will remain at some future point, typically upon the expiration of the current life expectancy (either singlelife or joint-and-survivor) of the annuitant(s) of the annuity. Those annuities for which negative balances are projected will be the ones of most concern to the charity. Here again, combining the results will allow the charity to see projections for its entire pool of existing annuities. In addition, the projections can be analyzed in order to forecast what residua the charity might expect to realize each year in the future as annuities end or what amounts it may need to tap from other sources as annuities exhaust their contributions. A final approach is to subject some or even all of a charity s annuities to a Monte Carlo analysis. In this case, one is concerned not with projections but, rather, with probabilities. The usual Monte Carlo analysis features 1,000 or more scenarios in which randomized mortality results for someone the age of a given annuitant are paired with randomized investment outcomes for different asset classes based on the extent to which the charity s annuity funds are invested in such classes, as filtered through historical results for each class and adjusted for expenses. The charity can then get a sense of how likely, on balance, a particular annuity will be to exhaust its contribution, wind up with a residuum equal to at least X dollars, at least Y dollars, etc. Conclusion Much of the analysis a charity might perform can be conducted in-house or with the assistance of a financial institution the charity uses to manage its gift annuity assets, especially when annuities are tracked using software such as PG Calc s GiftWrap. As the charity reviews the results, it will be in a position to look for patterns and trends. For instance, if annuities established during a particular time period or for annuitants of certain ages are doing particularly well or particularly poorly, the charity can identify causative factors and then determine those over which it may be able to exercise greater control going forward, whether by adjusting its policies, its marketing focus, or its investment and administration practices. Likewise, the charity may be able to define situations in which risk should be addressed through reinsurance or through speaking with certain annuitants about the possibility of voluntarily terminating their annuities in order to preserve/accelerate the charitable benefits. In all of these things, PG Calc can bring considerable expertise to bear for the benefit of charities that offer gift annuities. We frequently perform risk analyses that vary in scope. We also can conduct a more extensive program audit that considers not only the numbers but also policies and procedures, outreach to potential donors, and state regulatory compliance.
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