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School Based Therapy Training Module
Glossary | Bibliography | Site Map
- ASL: American Sign Language.
- A note about ASL, identity and the Deaf community. There are two main types of deafness in American culture. Those people who use ASL as their primary communication mode and who factor deafness into their identities often refer to themselves as Deaf with a capital D. People who have hearing impairments, but who can pass as hearing, and who have multiple forms of expressive communication (they may use ASL and spoken English, or signed English -depending on where they are) are often referred to as deaf with a lower case d. People with hearing deficits who function in the hearing world without relying on alternative communication devices, but who often use augmentation, are referred to as hard of hearing.
- a surgically implanted electronic device that directly stimulates functioning auditory nerves inside the cochlea with electrical impulses so that severely Deaf people can receive and recognize sound. A cochlear implant is not a cure for deafness, it is a technological mediation. Sound is picked up by a microphone and a speech processor then filters the sound and prioritizes audible speech, which it sends to the transmitter via a thin cable. The transmitter (held in place by a magnet that is located behind the external ear) moves the sound to the internal receiver and stimulator. The receiver converts the sound signals into electronic impulses that are sent to an array of implanted electrodes in the cochlear. From there, the sensory information travels to the scala tympani and on to the brain through the auditory nerve. Cochlear implants are highly successful in terms of relaying sound to the nervous system, but that is only part of the process of hearing. In the DB population, the results vary widely because the success of the cochlear implant relies on the students ability to meaningfully recognize and decode the sounds.
USDA - Information on Cochlear Implants
National Institute on Deafness and Other Communication Disorders Information on Cochlear Implants
- Vision for objects that are 20 feet or more from the viewer
- The Expanded Core Curriculum (ECC) is the body of knowledge and skills that are needed by students with visual impairments due to their unique disability-specific needs. If you work with a DB student in a public school, you will likely hear discussions about the expanded core curriculum, especially when its time to write IEPs. Students with visual impairments need the expanded core curriculum in addition to the core academic curriculum of general education. The ECC should be used as a framework for assessing students, planning individual goals and providing instruction (From AFB ).
The Existing Core Curriculum
- English language arts other languages, to the extent possible
- mathematics science
- health physical education
- fine arts social studies
- economics business education
- vocational education history
The Expanded Core Curriculum
- compensatory or functional academic skills, including communication modes
- orientation and mobility
- social interaction skills
- independent living skills
- recreation and leisure skills
- career education
- use of assistive technology
- sensory efficiency skills
- self-determination
- An intervener is an instructional aide who has specific training in deaf-blindness. Intervener training would include the information needed to implement the IEP objectives and individual modifications for a child with deaf-blindness. Interveners are specifically designated to work with a child with deaf-blindness for all or part of the instructional day based on the current need of the child. BrokenXXLinkOutreach/seehear/winter04/intervener.htm
- The primary, and most effective, means through which a student learns. DB students go through a Learning Medium Assessment that gathers three types of information:
- The efficiency with which the student gathers information from various sensory channels: visual, tactual, and auditory
- The types of general learning media the student uses, or will use, to accomplish learning tasks
- The literacy media the student will use for reading and writing
- Close range vision, typically 2 feet or less from the face
- Some educators use signed English in the classroom instead of ASL. Signed English is literal translation of words into sign. American Sign Language is not direct literal translation of English into sign, but rather a complete language made of signs, which has its own syntax (patterns of word order). Children who learn signed English may or may not be able to communicate with other children who use ASL. In order to communicate effectively and avoid confusing the student with whom you work, school therapists need to know whether ASL or signed English is the preferred choice.
- DB-Link : Perhaps your most valuable source for all kinds of information on DB!
- Overview of Deafblindness . By Barbara Miles, a communication specialist and teacher who is considered a primary theorist in the field of deaf-blindness. Her overview includes discussion of strategies for relating to and teaching DB students.
- Effects of an Intervention Program To Foster Harmonious Interactions between Deaf-Blind Children and Their Educators.
Authors:Janssen, Marleen J.; Riksen-Walraven, J. Marianne; Van Dijk, Jan P. M.
Publication Date:2003-00-00
Pub Types:Journal Articles; Reports - Evaluative
Journal Name:Journal of Visual Impairment & Blindness
Journal Citation:v97 n4 p215-29 Apr 2003
Descriptors:Children; Communication Skills; Congenital Impairments; Deaf Blind; Elementary Secondary Education; Inservice Teacher Education; Interaction Process Analysis; Interpersonal Communication; Interpersonal Relationship; Intervention; Parent Child Relationship; Parent Education; Program Effectiveness; Staff Development; Teacher Student Relationship; Videotape Recordings
- Understanding and Preventing Learned Helplessness in Children Who Are Congenitally Deaf-Blind.
Authors:Marks, S. B.
Publication Date:1998-00-00
Pub Types:Guides - Non-Classroom; Journal Articles
Journal Name: Journal of Visual Impairment & Blindness
Journal Citation:v92 n3 p200-11 Mar 1998
Descriptors:Child Development; Communication Skills; Congenital Impairments; Daily Living Skills; Deaf Blind; Educational Practices; Elementary Secondary Education; Helplessness; Infants; Mastery Learning; Motivation; Personal Autonomy; Preschool Education; Skill Development; Training Methods; Visually Impaired Mobility
- Promoting Learning through Active Interaction. Project PLAI. Final Report.
Authors:Chen, Deborah; Haney, Michele
Publication Date:1999-06-10
Pub Types:Reports - Research
Descriptors: Child Development; Child Rearing; Communication Skills; Curriculum Development; Deaf Blind; Early Intervention; Infant Care; Infants; Interpersonal Communication; Parent Child Relationship; Parent Education; Parent Role; Parenting Skills; Theory Practice Relationship; Toddlers
- The Impact of Congenital Deafblindness on the Struggle to Symbolism
Authors:Bruce, Susan M.
Publication Date:2005-09-00
Pub Types:Information Analyses; Journal Articles; Reports - Evaluative
Journal Name:International Journal of Disability Development and Education
Journal Citation:v52 n3 p233-251 Sep 2005
Descriptors:Symbolic Learning; Cues; Object Permanence; Communication Disorders; Abstract Reasoning; Associative Learning; Visual Learning; Deaf Blind; Play; Child Development; Attention
- An Analysis of Communicative Functions of Teachers and Their Students Who Are Congenitally Deafblind
Authors:Bruce, Susan; Godbold, Emily; Naponelli-Gold, Sarah
Publication Date:2004-06-22
Pub Types:Journal Articles; Reports - Research
Journal Name: RE:view: Rehabilitation Education for Blindness and Visual Impairment
Journal Citation:v36 n2 p81 Sum 2004
Descriptors:Special Education Teachers; Deaf Blind; Nonverbal Communication; Verbal Communication; Interpersonal Communication; Communication Skills; Teacher Student Relationship; Models; Intervention
- Use of Activity Boxes with Young Children Who Are Blind, Deaf-Blind, or Have Severe Learning Disabilities and Visual Impairments.
Authors:Dunnett, Jenefer
Publication Date:1999-00-00
Pub Types:Journal Articles; Reports - Research
Journal Name:Journal of Visual Impairment & Blindness
Journal Citation:v93 n4 p225-32 Apr 1999
Descriptors:Deaf Blind; Experiential Learning; Foreign Countries; Infants; Intellectual Development; Learning Activities; Learning Disabilities; Motor Development; Multiple Disabilities; Preschool Children; Psychomotor Skills; Toddlers; Visual Impairments; Young Children
- Creating Classroom Environments That Nurture Independence for Children Who Are Deafblind . Final Report.
Authors:Rowland, Charity; Schweigert, Philip
Publication Date:2000-12-31
Pub Types:Reports - Descriptive
Available in Full Text format throught ERIC,
Descriptors:Child Development; Classroom Environment; Cognitive Development; Communication Skills; Deaf Blind; Early Intervention; Multiple Disabilities; Outcomes of Treatment; Personal Autonomy; Physical Disabilities; Preschool Education; Severe Disabilities; Student Evaluation; Teaching Models. The project produced an inventory and manual to help teachers identify natural cues for certain behaviors and arrange the social and physical environment to facilitate learning.
- Overview on Deaf-Blindness. DB-LINK Fact Sheet. Revised.
Authors:Miles, Barbara
Publication Date:1998-12-00
Pub Types:Guides - Non-Classroom
Journal Name:
Journal Citation:
Descriptors:Adults; Adventitious Impairments; Caregiver Role; Children; Communication Skills; Congenital Impairments; Coping; Deaf Blind; Etiology; Individual Development; Interpersonal Communication; Language Acquisition; Physical Mobility; Quality of Life; Social Integration
- Educational and Behavioral Implications of Missing Balance Sense in CHARGE Syndrome , by David Brown
- Understanding Balance Problems in Children with CHARGE Syndrome. George Williams and Timothy Hartshorne.
- Sensory integration dysfunction in deafblind children . Gail Deuce.
- Developing Concepts With Children Who Are Deaf-Blind . Barbara Miles,
- What a Concept! --Durkel, Jim, CCC-SPL/A. Texas School for the Blind and Visually Impaired, Outreach. SEE/HEAR, vol. 5, #2, Spring 2000, pp. 10-14. (2000) This article addresses the importance of concept acquisition in developing communication skills for children with deafblindness. It stresses the importance of teaching a child the concepts in place with meanings for words that are readily understood by the child in the first two years of life. This may be done through varied "hands-on" experiences in which the child can learn to develop concepts for different environments, and opportunities for exploration and play. Available in Spanish.
- Admiraal RJC, Huygen PLM. 1997. Vestibular Areflexia as a cause of delayed motor skill development in children with the CHARGE association. International Journal 0f Pediatric Otorhinolaryngology, 39, 205-222
- Brody J. Occupational Therapy For Young Children With Visual Impairments and Additional Disabilities. www.projectsalute.net/Learned/Learnedhtml/Oc&)
- Brown D. in press. CHARGE Syndrome Behaviors Challenges or Adaptations? American Journal of Medical Genetics
- Colby Trott M, Laurel MK, Windeck SL. 1993. SenseAbilities: Understanding Sensory Integration. Tucson, Arizona: Therapy Skill Builders.
- Forney PE. Wolff Heller K. 2004. Sensorimotor Development: Implications for the Educational Team. In: Orelove FP, Sobsey D, Silbermann RK editors. Educating Children with Multiple Disabilities: A Collaborative Approach. Baltimore: Paul H Brookes.
- Gregory BB. 1999. Physical Therapy and Occupational Therapy in CHARGE Syndrome. In: Hefner M, Davenport SLH, editors. CHARGE Syndrome: A management manual for parents. Columbia, MO: CHARGE Syndrome Foundation.
- Liefert FK. 2003. Expanded Core Curriculum: Orientation and Mobility. In: Goodman SA, Wittenstein SH, editors. Collaborative Assessment: Working with Students Who Are Blind or Visually Impaired, Including Those with Additional Disabilities. New York: American Foundation for the Blind.
- Maynard S. 1999. The Impact of Sensory Integration Dysfunction in CHARGE. In: Hefner M, Davenport SLH, editors. CHARGE Syndrome: A management manual for parents. Columbia, MO: CHARGE Syndrome Foundation.
- Stock Kranowitz C. 1997. The Vestibular System and Auditory-Language Process .
- Stock Kranowitz C. 1998. The Out of Synch Child: Recognizing and Coping with Sensory Integration Dysfunction. New York: Berkley Publishing Group, Skylight Press.
Some Useful Websites:
- CHARGE Syndrome Foundation www.chargesyndrome.org
- Deaf-Blind Perspectives www.tr.wou.edu/tr/dbp
- HANDLE Institute www.handle.org
- Sense (UK National Deafblind Association) www.sense.org.uk
- Texas School for the Blind and Visually Impaired (See/Hear is the newsletter of their Deafblind Outreach Service) - www.tsbvi.edu/Outreach/seehear


text:
8.3mm Thin ASUS Eee Pad Transformer Prime Revealed (Updated)
8.3mm Thin ASUS Eee Pad Transformer Prime Revealed (Updated)
*Update: The official name for the successor of the Transformer is the Eee Pad Transformer Prime.
The ASUS Eee Pad Transformer Prime (formerly known as the Transformer 2) was revealed by ASUS Chairman Jonney Shih at AsiaD Conference.
According to Android Community, Shih confirmed that the Eee Pad Transformer Prime will be running on NVIDIA's quad-core processor and has a 10.1-inch display.
Other specifications include USB and mini-HDMI ports, SD card slot and a sleek profile of 8.3 mm. He added on that the device will be formally announced on November 9th.
Shih hinted that the ASUS Eee Pad Transformer will most probably get the Android Ice Cream Sandwich update and the possibility of more Ice Cream Sandwich devices arriving before the end of the year.
He also discussed about the availability of the ASUS Padfone, which will arrive early next year after carrier testing.
Source: Android Central via Android Community

subset: commoncrawl


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A. Duquette necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 47 diseños de 18 diseñadores freelance.
Archipelago Learning is a leader in the e-learning market for K-12 public schools. Our flagship product, Study Island, helps millions of children master instructional concepts in a fun and engaging manner. Like our products, our company is also fun and engaging, and we are passionate about helping teachers, student and parents. We are REBRANDING OUR CURRENT PRODUCT for the high school market as THE ISLAND, and we want a cleaner, fresher, more current logo that will be used in marketing collateral and within the product. It should still be evocative of our tropical theme, but not appear "cartoonish", since high school students expect a more sophisticated appearance for our product.
The Islands e-learning product will be used by student in grades nine through twelve. These students are techno-literate, fashion-conscious, communicate digitally and globally, and the "less is more" philosophy will resonate with them in the look and feel of our new product. Our logo for The Islands should be polished, hip, and convey a stylized tropical feeling.
This logo will be reproduced in literature and used on our web site. We'll also put it on coffee mugs, pencils, key chains, etc, so it must be able to scale up and down without becoming fuzzy or unreadable. It cannot overshadow the content that surrounds it. Our current Study Island logo is cute and younger children like it, but it does not convey the level of sophistication that we believe our high school clients expect to see in products targeting older students. The logo will be featured prominently in the banner at the top of the product, and the color scheme from the logo will be utilized throughout the software. To get a deeper understanding of what our products do, as well as review the current logo designs for our other products, please visit our web sites at http://www.archlearning.com and http://www.studyisland.com.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Carolinas, Separation of
The province of Carolina given by England's King Charles II to the Lords Proprietors in 1663 and 1665 constituted a single grant. In 1664 the northeastern portion of the province, at that time the only part settled by Europeans, became the county of Albemarle, and a few years later, in 1670, another colony was established at Charles Towne (now Charleston, S.C.) on the Ashley River. Separate governmental structures-governors, councils, assemblies, and courts-came into being for the two settlements, although technically the province of Carolina was a united entity with neither of its two colonies being considered superior to the other.
In 1691, in a halfhearted attempt to centralize authority in response to unrest in both settlements, the Lords Proprietors decreed that the governor of Carolina would reside in Charles Towne and appoint a deputy for the northern part of the colony. The practical effect of the measure was at best negligible. Although the innovation resulted in the chief executives of North Carolina being styled "deputy governor" as a result of the change, their subordination to the "governor" at Charles Towne seems to have been merely formal. In addition, the legislatures and courts of both parts of the province continued their separate and independent existences. In 1710, however, the Proprietors ceased naming a governor for all of Carolina, and in 1712 Edward Hyde took the oath as governor of "No. Carolina." Nevertheless, various formal documents issued by the Lords Proprietors well after 1712 continued to refer to the "Province of Carolina" as if it were an undivided unit, as well as to the "Province of North Carolina" and the "Province of South Carolina."
Hugh T. Lefler and William S. Powell, Colonial North Carolina: A History (1973).
Powell, The Carolina Charter of 1663 (1954).
Additional Resources:
Walbert, David. "A royal colony." Colonial North Carolina. LearnNC.org. http://www.learnnc.org/lp/editions/nchist-colonial/1973 (accessed October 16, 2012).
Davis, Jim. "Dividing the Carolinas." Point of Beginning. November 25, 2002. http://www.pobonline.com/CDA/Archives/6d3fbe768d0f6010VgnVCM100000f932a8c0____ (accessed October 16, 2012).
Image Credits:
Huber, Johannes Henry. "Die Provintz Nord und Sud Carolina." 1711, NC Maps. http://dc.lib.unc.edu/cdm/singleitem/collection/ncmaps/id/9659/rec/3 (accessed October 16, 2012).
1 January 2006 | Cain, Robert J.
I was looking for a little
I was looking for a little bit more but it definitely helped.
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text: Exams are now over ! I also seem to have kicked that persistent upper respiratory infection and as we speak, my daughter doesn't have an ear infection (touch wood). We have sold our house (after finally getting it on the market, it sold in less than 30 hours). The Man is away with work a lot and The Boy is now on two weeks school break. Life has just been so busy! Add to that some sporadic work and the fact that I have had to send my laptop back to be repaired (resulting in limited online access) it all results in not being able to post on here in what seems FOREVER. I am scared to log into Google Reader because I haven't had a chance to read any blogs in a looooong time. Not even the Fatosphere, which shows just how busy I have been!


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Hello. Just a short test on the GA LHP that they rate as +P and list velocity at 900 ft/sec.
The first thing that I did was to apply the very informal "thumbnail test" on both the GA LHP and Remington's, since I have plenty of it on hand as a "carry load" in .38 Special revolvers.
The lead alloy on the GA load (left) felt quite a bit harder than the Remington. You can easily see the thumbnail indentions on each bullet. I didn't shoot this into any test media on this range visit but I'll bet that if it expands, it will be from 3" and longer barrels.
Ten shots fired over the chronograph approximately 10' from the screens yielded an average velocity of 871 ft/sec, not exactly 900 ft/sec as advertised but close from a 4" .38 Special S&W M64 revolver. Standard Deviation was 16 ft/sec. I am not sure what bbl lenght GA uses for their testing but even if a 4", it is common for two different barrels to yield two different velocities with the same load. This is close enough in my opinion and I see no trumphed up or "optimistic" advertising.
Using a pre-owned-probably-a-police-turn-in S&W Model 64 set up for double-action-only shooting, the GA load provided plenty of accuracy, at least for my needs. The 6-shot group at the upper left of the target was fired standing (two-hand hold) at 7 yards. The "head shots" were fired the same way at 10 yards. The group in the torso was fired at both 15 and 25 yards.
I am well satisfied that removing the human error (me) in any of these grops would have significantly shrunk them. While none of this was slow-fire, neither was it a maximum effort at speed. (The "fastest" shooting was at 15-yards and estimated at about 1 shot/sec.) I wanted to see how this warmer load handled and if it might make a somewhat reasonable practice load for folks who use the 158-gr. LHP +P from Remington or Winchester (think Federal may have discontinued it) and don't reload their own.
In my opinion, it does with regard to felt recoil; feels like the Remington load to me, but felt recoil is subjective, too.
It is not inexpensive, at least to me, but it does cost less than factory new LHP +P ammunition. The last box (50) Remington's cost me $37.00 and change! Fifty of the GA 158-gr. LHP +P cost $10.75, at least at this time. Handloaded ammunition for those already set up to load .38's would cost less but some folks simply don't reload.
As mentioned earlier, I do not expect this stuff to expand from barrels less than 3" but don't know that for sure. Eventually I'll get around to running some informal expansion tests on it but does this mean that it is "useless" as a defense load? I think not. I suspect that it should work about as well as SWC in the 900 ft/sec range but I see it mainly as a practice load for those using 158-gr. +P ammunition for carry but don't reload.
I am in no way affiliated with Georgia Arms and bought this ammunition at the going rate. If interested, their site is here:
http://www.georgia-arms.com" onclick="window.open(this.href);return false;
As might be expected, they are flooded with orders since Nov. 5th.
PS: I forgot that I did a similar report a couple of years ago using different revolvers and of course, a different lot number of GA ammo. If interested, it is here: http://www.texasshooting.com/TexasCHL_F ... =39&t=3191" onclick="window.open(this.href);return false;
I think it shows that this ammunition has remained pretty darned consistent.
Georgia Arms .38 Special 158-gr. LHP +P
Renown Browning Hi Power Expert - Stephen A. Camp. Unfortunately, Stephen passed away and he will be greatly missed.
Moderator: carlson1
2 posts • Page 1 of 1
Topic author
Re: Georgia Arms .38 Special 158-gr. LHP +P
Thank you Stephen.
I load 158 SWCs in my Mdl 60. Expansion is short barrels isn't a bet I'd like to cover, so I kinda lean toward blunt 158 SWCs at std velocity.
Other feather/air weight J frames are loaded with JHPs.
I load 158 SWCs in my Mdl 60. Expansion is short barrels isn't a bet I'd like to cover, so I kinda lean toward blunt 158 SWCs at std velocity.
Other feather/air weight J frames are loaded with JHPs.
2 posts • Page 1 of 1


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I am very familiar with C# and have been tinkering with XNA to increase my knowledge as well as become familiar with programming techniques with an emphasis on game development.
One thing I feel as though I should learn is: networking. I believe one may also refer to this as "socket programming". My end goal would be to have obtained the knowledge of how to transmit data that could even be adequate for a first person shooter. However, I would be happy with just knowing how to transfer data such as a string from computer to computer (like make a super simple chat program).
I am an ABSOLUTE beginner with this and have only been able to find complicated tutorials/references that are for those who have at least basic knowledge of socket programming (and I do not).
Please help me with any information or resources you may know of.
PS. I have heard of lidgren, but I cannot find anything for the absolute beginner on this. If there are any other libraries out there that I could use AS A BEGINNER, please let me know


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Well, there are many really useful non-legal articles indexes as well. You can see a Subject Listing at the University Research Databases page. (You will be prompted to log into the Portal). I usually start with the multi-disciplinary index Academic Search Premier, so I do not need to figure out which subject listing to check. For Psychology and Sociology articles, two of my favorites are PsychINFO and Sociological Abstracts.
There are many other subjects available, so check out the subject listing.
Ernster, the Virtual Library Cat


text:
We are developers with 30 years' experience and more than £20 billion of completed projects. Our successful track-record includes landmark projects such a Broadgate, Paternoster Square, Chiswick Park. Our new projects include Television Centre and White City Place. We are a focused team of development entrepreneurs from professional property and construction backgrounds including surveyors, engineers and building experts, together with a finance team and support staff. Uniquely, many of the Stanhope executive team have worked together for over 15 years.
- More
- Stanhope Website


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- Cover Story
The King of Bonds
- Order Reprints
- Print Article
Celebrated bond-fund manager Jeffrey Gundlach has a healthy -- some might say overdeveloped -- ego.
In the course of several interviews at the Los Angeles headquarters of his new investment firm, DoubleLine Capital, Gundlach drops any number of boasts. He can do the Sunday New York Times crossword puzzle in a half-hour. On a good day, make it 20 minutes. Gundlach, 51 years old, was a top student at Dartmouth, where he majored in mathematics and philosophy before entering a high-powered Ph.D. program in mathematics at Yale. He left, claiming boredom, to become a rock drummer in L.A., before drifting into money management.
"Look, I have a gift, or some would say a curse, of being able to have stunning insight into the reality of markets and the economy," Gundlach says, dressed resplendently at this particular moment in a well-tailored Italian suit with matching green tie and pocket square. "I don't often know where my ideas come from. Maybe it's the fact that I'm obsessively regimented in my analysis, borderline autistic. But whether it's bond selection or asset allocation, we can do it better than just about anybody around."
It is easy to dismiss such swagger, but Gundlach has the performance record to back it up. At Trust Company of the West, where he worked for more than 20 years until he was fired in December 2009, his flagship $12 billion TCW Total Return Bond Fund (ticker: TGLMX) finished in the top 2% of all funds invested in intermediate-term bonds for the 10 years that ended just prior to his departure, according to Morningstar. It finished in the top 1% for the five years ended just before that watershed event.
Gundlach's legendary success has continued at DoubleLine, which he founded shortly after leaving TCW. His DoubleLine Total Return Bond Fund (DBLTX), with $4.5 billion of assets as of Jan. 31, outperformed every one of the 91 bond funds in the Morningstar intermediate-bond-fund universe in 2010, despite launching only in April. It notched a total return of 16.6%, compared with returns of 8.36% for the giant Pimco Total Return Fund (PTTAX), run by the redoubtable Bill Gross, and 10.74% for TCW Total Return Bond, now managed by Metropolitan West, an able fixed-income shop acquired by TCW to replace Gundlach and his team.
Gundlach's DoubleLine Core Fixed Income Fund (DBLFX), with assets of $112.8 million, is no slouch, either. It returned a total 7.5% from its June 1 launch through the end of December, nearly three times the performance of the Barclays U.S. Aggregate Index in the same stretch.
EVEN MORE EXTRAORDINARY, Gundlach achieved this record by investing almost exclusively in his specialty, securities backed by home mortgages, during a decade when the mortgage-backed market underwent tectonic shifts, destroying many less able investors. First, plummeting mortgage rates led to waves of refinancings, forcing mortgage-backed holders to reinvest pre-payments at ever lower rates. Then came the housing bust in 2007, and a tsunami of foreclosures and mortgage defaults that continue to this day.
Gundlach, who had warned of a coming residential-mortgage debacle as early as 2006, including in the pages of Barron's, deftly rode out the storm by switching out of private-market securities and into government-guaranteed agency paper issued by the likes of Fannie Mae and Freddie Mac. More recently he has burnished his results by buying private mortgage debt at fire-sale prices of 60 to 70 cents on the dollar, reaping both rich yields and price appreciation.
Gundlach's performance has been "nothing short of tremendous," says Eric Jacobson, Morningstar's director of fixed-income research. "He has slaughtered the indexes during an extremely difficult time. The only cavil might be that Gundlach is far less diversified across fixed-income sectors than, say, a Bill Gross, who has a mandate to go virtually anywhere, from government bonds and investment-grade corporate debt to sovereign paper and high-yield. So some might argue that any comparison of Gundlach's performance to most other managers is somewhat apples to oranges."
That's baloney, Gundlach and his associates say, maintaining they can replicate most interest-rate and credit risk extant in the bond market in their specialized sector. Gundlach had responsibility for $65 billion of TCW's $110 billion of assets under management, and made many of the security selections and asset allocations in TCW funds invested in all fixed-income sectors. Some even had a mandate to invest in stocks.
Gundlach rarely is shy about offering his opinion on markets. Like most bond honchos, including Gross, a member of the Barron's Roundtable, he seldom likes stocks, which are, after all, bonds' primary rival for investment dollars. "Though I rarely go public with specifics on stocks, I think the Standard & Poor's 500, which is now over 1300, will hit 500 in the next couple of years," he says. "I usually couch my belief by saying merely that 2011 will be a tough year for equities."
Nor has he made a secret of his bearish views on the U.S. economy and the seemingly inexorable rise in government debt. But he sees little chance in the near term of a surge in inflation that would send Treasury-bond yields soaring. A jump in the yield on 10-year bonds to a range of 4% to 4.5% from a current 3.6% would cause economic growth to short-circuit, he says.
By the same token, a renewed slowdown in the economy would drive 10-year bond yields sharply lower, but not below 3%, unless a banking panic similar to last year's euro-zone crisis ensues. As for the U.S. housing market, Gundlach expects home prices to fall by another 10% to 15%.
Gundlach's views on different bond sectors probably deserve more attention than his other pronouncements. He foresees a major collapse in the municipal-bond market, beyond the declines to date, given the parlous condition of both state and local government finances. He is preparing, he says, by having established a joint venture with the Chicago financial firm RiverNorth. Among other things, it expects to scoop up closed-end municipal-bond funds in the next year or so when the predicted apocalypse arrives, driving fund prices down, he says, to as little as 40% of net asset value.
What makes the $2.7 trillion muni market particularly vulnerable, Gundlach says, is its weak psychological underpinnings. Many investors in municipals are wealthy individuals who buy the securities purely because of their tax advantages and have little knowledge of the fundamentals of the paper they own. They tend to be "all-in" investors, owning little else, and thus will be prone to panic, he figures, in the face of surging defaults.
"Look, I don't know whether the market will suffer $10 billion or $30 billion in defaults, but the actual amount doesn't matter, Gundlach says. "There will be a panic at the margin, and muni bonds from the highest-rated on down will plummet, in part because other sorts of investors tend not to step in."
One of Gundlach's biggest regrets is not having had the mandate to buy high-yield corporate bonds in his TCW fund. Thus, he was unable to take advantage of the succulent values available in the high-yield market in late 2008, at the depths of the global financial crisis. His DoubleLine total-return fund can invest up to a third of its assets in high-yield debt, although he is hanging back from that market now, concerned that prices have rallied too much.
Gundlach's cautious take on high-yield is the result of an aperçu or intuitive flash he had several weeks ago, that the yield spread between high-yield and government bonds should be calculated using the 20-year government bond, rather than the entire Treasury yield curve. That's because high-yield paper, though maturing sooner than 20-year bonds, shares similar price volatility. The current 300 basis-point, or three percentage-point, spread between yields in the high-yield market and on 20-year bonds is as narrow as it has been at any time in the latest credit cycle, he notes.
DoubleLine has been careful about quality. It still avoids pools of subprime debt and securities backed by high loan-to-value mortgages. It prefers borrowers with high credit ratings, which implies such homeowners have the ability, if not the desire, to refinance. Pre-payments in this environment can provide a windfall profit, as the fund gets paid 100 cents on the dollar for mortgages that cost, say, 60 cents.
DoubleLine also shies away from subordinated-debt tranches, which could be wiped out in restructurings, and pools with lots of smaller mortgages, as high fixed closing costs deter refinancings of such debt.
GUNDLACH CLAIMS TO HAVE the finest mortgage-securities team in the country. Nearly all its members left TCW out of loyalty to him after his firing. In the DoubleLine trading room, more than 30 traders, managers and analysts sit at trading pods, arrayed in rows in front of Gundlach and DoubleLine President Phil Barach, who preside over the noisy throng like a pair of prankish camp counselors. Trading decisions are made quickly, and the esprit de corps is palpable. Traders laugh and whoop it up when, during a recent CNBC interview, host David Faber proclaims Gundlach the best bond manager of the past decade. When the graphic under Gundlach's image elevates him to best bond manager on the planet, the cheering grows even louder.
DoubleLine's funds currently are hedged somewhat against a possible double dip in U.S. housing, which would hurt the firm's private-sector securities positions. Gundlach claims his market opinions are right about 70% of the time, but just in case, the Total Return fund has a substantial position in long-term Ginnie Mae securities and various pass-through government-guaranteed collateralized-mortgage obligations, or CMOs.
These alphabet-soup securities tend to trade like long-term government bonds, with prices rising and yields falling in bad economic times, and the reverse occurring as the economy strengthens. Likewise, they have little pre-payment risk, as lower home prices have snuffed out much of the equity that even creditworthy borrowers had.
TCW'S FIRING OF GUNDLACH made headlines, especially as he had become the face of the firm on television and in the press, with his canny calls on the housing market and a bullish call on the stock market at its March 2009 low. Behind the scenes, however, Gundlach apparently had alienated TCW's well-heeled founder and chairman, Robert Day.
Day had always been adept at finding and fostering talented traders, but had trouble keeping top managers due to disputes about ownership stakes in the firm. The tension reportedly grew after he and others sold their stake in TCW to the French bank Société Générale. In Day's estimation, managers such as Gundlach were sufficiently compensated. Gundlach was paid about $40 million in 2009.
Gundlach was said to be disparaging of the "suits" running the company, as well as TCW equity managers who had performed poorly since the dot-com bust in 2000. He was also considered contemptuous of TCW's absentee owners in Paris, who paid more than $1 billion to acquire control of the firm. The warrants SocGen subsequently handed out to Gundlach and other TCW employees were rendered worthless by revelations in early 2008 that a bank employee had lost $7 billion in unauthorized trading in stock-index instruments.
Most of all, TCW was worried, and with some reason, that Gundlach might be planning to leave the firm. Better to shoot him and toss him overboard first, as Day is reported to have said in a conference call to employees after the ouster.
Although TCW offered many employees in Gundlach's fixed-income group financial inducements to stay at the firm, some 40 people followed their boss out the door. An estimated $25 billion of TCW's assets also departed, notwithstanding the company's simultaneous acquisition of Metropolitan West Capital.
In addition, institutional investors who had agreed to put money in some $5 billion of mortgage-backed funds with hedge-fund-type fees reportedly sought to back out once Gundlach left. The U.S. government pulled out of a planned $4.4 billion Public-Private Investment Program, or P-PIP fund that Gundlach was supposed to have managed, saying TCW had violated the key-man provision of the investment agreement.
Five weeks after Gundlach's dismissal, TCW sued the manager, four subordinates and DoubleLine for allegedly stealing trade secrets, including client lists, transaction information and proprietary security-valuation systems. The suit also charged that a search of Gundlach's offices had turned up a trove of porn magazines, X-rated DVDs and sexual devices, as well as marijuana.
After the suit was filed, institutional clients stopped calling DoubleLine. Instead of getting $20 billion in funds for which it had been negotiating, the firm got less than a half-billion. "Institutional gatekeepers have no incentive to do business with money managers caught in legal controversy, no matter how good their performance has been," Gundlach says.
He charges TCW with employing "smear tactics…to destroy our business." As for "the sex tapes and such," he says, they represented "a closed chapter in my life."
TCW FILED ANOTHER SUIT in December that sought to close DoubleLine's mutual funds temporarily or glom the funds' investment returns. A California Superior Court Judge hearing both cases dismissed the key counts against the funds and fund trustees. TCW refiled the complaint two weeks ago, absent the charges that would have affected the fund operations.
The trial over the trade-secret charge is scheduled for July, and promises to be incendiary. While TCW claims more than $200 million in damages, Gundlach, in a counter-claim, seeks to recover up to $1.25 billion in future income that he claims his group was denied as a result of his dismissal. Court documents suggest charges of the "sex, lies and videotape" variety could fly in both directions.
Both TCW and DoubleLine have been losers as a result of the legal fracas, although TCW noted, in a statement to Barron's, that assets under management are growing again, and that the investment performance of the funds managed by MetWest personnel has been strong. For that matter, DoubleLine's net inflows have been strong in the past two months -- Gundlach says the firm now manages about $7.5 billion -- indicating the battle hasn't intimidated all investors.
The winner, however, is Jeffrey Gundlach, whose reputation as the king of bonds is growing by the day.
E-mail: email@example.com


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Advertising: Market to the Main Decision-Makers
Category: Advertising
Industry: Home Builders
It's a fact, women are the decision-makers in most relationships. They're more astute and think things through more than men. And more often, when it comes to buying a home, they're buying them without partners or husbands.
So as with any product or service, it's important to appeal to the one in charge.
You'll also notice we never show a home as the main image in any of the ads we do for home buidlers.
Why? Well, for one thing every other home builder does that, photos of homes do not provide an emotional benefit, and often, images of homes just start to blend into each other and just aren't as memorable as images of people. But not dumb stock photos of people. Some of those stock images should be banned from being used.
If you want a Columbus Ohio marketing firm to help make your marketing stand out, lets talk!


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The launch of The Preeclampsia Registry™ is off to a strong start. Three hundred individuals have entered information that will help generate hypotheses and test ideas. Investigators are already planning research studies that will use this unique data set. Nowhere is it more true than in a disease registry that every person makes a difference. We look forward to more of you sharing your pregnancy history and longer-term health information.
Research Published in Peer-Reviewed Journal
The staff of the Preeclampsia Foundation are honored to occasionally partner with investigators to publish colloborative research. It's been a while in coming but we are excited this week about the November publication of a patient study initiated and funded by The Preeclampsia Foundation in 2008 and with data analyzed in 2011. The paper, "Prenatal education is an opportunity for improved outcomes in hypertensive disorders of pregnancy: results from an Internet-based survey," was published in the November 2013 issue of the Journal of Maternal Fetal Neonatal Medicine. Its authors are the Foundation's Executive Director, Eleni Z. Tsigas, and three preeclampsia researchers: Dr. Anne B. Wallis, Dr. Audrey F. Saftlas, and Dr. Baha M. Sibai.
Their paper reports on our 2008 survey of 754 women who visited the Preeclampsia Foundation website, in which we found that most received prenatal checkups and regular screenings, but only 42% "definitely" recalled specific education about preeclampsia and only half "fully understood" the explanation. However, 27 of the 169 women (75.0%) who understood acted on this knowledge by promptly reporting symptoms and complying with treatment. Of the 46 who did not remember some or any of the education, only 3 (6.0%) took any action. The difference between these two groups is highly significant.
The authors conclude that knowledge enables women to spot signs and symptoms, leading to earlier diagnosis and management, and to reduced morbidity and mortality. They propose the adoption of formal guidelines on preeclampsia education.
Survey studies like this one can be accelerated through our registry of preeclampsia survivors, as registrants will be invited to participate in future surveys.
Feedback from last month's Expectations newsletter indicated your enthusiasm to support research. The Boston Promise Walk Facebook page proclaimed "The dollars we raise here in Boston go to supporting research initiatives like those highlighted in the PF's Expectations newsletter this month. Did you know that there is major preeclampsia research right here in numerous institutions and corporations in our own community? Really cool stuff."


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I can make just about anything, but ask me to brush on some color, and you'll get the uncomfortable, shifty eyes. I'll admit it: I'm NOT good at painting. My crafty pal Amy from Mod Podge Rocks, however, is good at painting. Really good. Check out her 8 Tips for How To Use Acrylic Craft Paint, and see all of her best tricks and techniques in one place!
I found the section on preparing surfaces to be especially helpful. Who knew that you had to prime canvas?!
8 Tips for Using Acrylic Craft Paint


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On Tuesday, I let you all know that I welcome your questions, and I'll do my best to answer them. Today, we've got our first reader Q & A.
Q: So, Robin, I'm a gardening idiot. I just moved into a new house in Iowa (agricultural mecca) with a big backyard and think I need to use some of this land to have a garden. But I don't know where to begin. I mean, literally, not a clue. What to plant, how to plant it, how to get the soil ready, how to decide where in the yard to put it, how to keep from killing everything . . .
You asked for questions! Can you help me out here?
A: I think you can approach starting a backyard garden in two different ways. The first way is to read a lot of books, visit a lot of websites, maybe take an adult education course in gardening for beginners, and plan for months to plant the vegetables that grow well in your region, doing everything by the book. The other way is to educate yourself a little bit, plant your garden with things your family would like to eat, and learn as you go. I chose the second way, but I think it depends on what kind of person you are.
If you're someone who needs the assurance that you are doing everything correctly, then you should do a lot of researching and planning. I'd start at your local library and see if they have any general vegetable gardening books and regional gardening books. If you local community offers adult education classes, right now is the time they are starting their winter courses. Check to see if there is a beginning gardeners class that fits into your schedule.
Talk to your neighbors who have gardens. Ask them what they grow. Gardening is a great way for neighbors to get to know each other. The neighbor on one side of me keeps to herself most of the time, but this past summer when we were at war with the squirrels, we had talked more than we ever had in the ten years we've lived next to each other.
You'll find that gardening is more than just a way to get food on the table. It helps you connect with nature. It gives your family a project to work on. If you want it to, it can make you part of a community. It's also a helpful way to show kids that they don't have to be dependent on the grocery store for their food. And, kids will eat things that they've helped grow and then prepare that they never would if you just placed it in front of them.
I know you've got a lot of questions, and it would be best to answer the rest in a separate post. So look for part 2 of my answer on Monday.
Thanks for asking!


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Creative Crafthouse Puzzles is a fantastic, yet surprisingly small family-owned company based out of Hudson, Florida. Creative Crafthouse Puzzles specializes in unique proprietary wooden brain teasers that are hand-made by their own expert craftsmen and are an exquisite challenge for kids and adults of all ages alike. Creative Crafthouse Puzzles feature an extensive selection to browse and choose from including several of which that are unique to Creative Crafthouse.
With Creative Crafthouse wooden brain teasers, you will see classic designs, designs unique to Creative Crafthouse, and puzzles & games that they have resurrected, that have not been made available to the public for many generations. Most of Creative Crafthouse's manufacturing is done in their Spring Hill, Florida location, near their headquarters, while others are made in their small Thailand woodshop that is also managed by the direct family.
Creative Crafthouse has developed a unique and fun approach to the brain treasure industry, and its products have become recognizable on shelves throughout the nation. Creative Crafthouse is surely amongst the top quality brain teaser manufacturers worldwide!
Looking for a different puzzle/game brand? View more on our Featured Brands page HERE!
Use the filters to the left or simply scroll down to begin viewing all pages.
Copyright © 2008-2020, Puzzle Warehouse, All rights reserved.
Puzzle Warehouse recycles everything it can to save the environment and to keep costs and prices low.
We are Hiring! Please fill out the employment form or send your resume to firstname.lastname@example.com.


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Our most powerful gasoline-powered handheld blower, designed for landscaping professionals.
For the toughest landscaping challenges, professionals turn to our most powerful gasoline-powered handheld blower, the STIHL BG 86. It features a fuel-efficient, low-emission gasoline-powered engine, and includes both flat and round nozzle attachments for better job versatility. The blower is also one of our most comfortable to use, with a four-spring anti-vibration system, a soft-grip handle and our ElastoStart™ shock-absorbing starter.
|BG 86 Specifications - Professional Use
|27.2 cc (1.66 cu. in.)
|0.8 kW (1.07 bhp)
|4.4 kg (9.7 Ibs.)
|440 cc (14.9 oz.)
|15 Newtons
|Flat: 74 m/sec. (166 mph)
Round: 63 m/sec. (141 mph)
|Flat: 85 m/sec. (190 mph)
Round: 69 m/sec. (154 mph)
|Flat: 620 m3/h (365 cfm)
Round: 755 m3/h (444 cfm)
|70 dB(A)
|*Newton is the force needed to accelerate 1 kg of mass at the rate of 1 m/sec2. **Tested in accordance with ANSI B175.2 standard. All specifications provided by ANDREAS STIHL AG & Co. KG. As of April 2016.
Important Information
Note: STIHL recommends use of fuel with no more than 10% Ethanol content. Using fuel with greater than 10% Ethanol content may cause damage to your equipment and may void your STIHL warranty. Learn More…
WARNING! Improper use of any power tool may cause serious
or fatal injury. Read, understand and follow carefully the operating
and safety instructions in your instruction manual before using such products.
STIHL products sold through U.S. STIHL Dealers are for distribution in the United States only.
Model Features
Built in the USA
Indicates products that are built in the United States from domestic and foreign parts and components.
Anti-Vibration System
STIHL has a system for minimizing the vibration levels of handheld outdoor power equipment. The STIHL anti-vibration system helps reduce operator fatigue and provides a more comfortable working experience.
Throttle Trigger Lock with Built-In Momentary Stop Switch
The built-in stop switch allows the user to turn off the engine with a simple press of the button or lever. When the engine is off, the throttle lock automatically returns to the "start" setting. Your power tool will be ready to be started when you're ready to get back to work.
Purge Pump Primer
The purge pump primer feature enables the user to prime the carburetor with fuel, enabling easier starting. The purge pump primer is designed in a way that the operator cannot flood the machine by priming the carburetor too many times. Flooding the engine is still possible if the choke is not removed after the engine fires.
Soft Grip Handle
This handle design provides a secure and comfortable grip.
HD2 Air Filter
The new HD2 air filter on this unit is washable, providing extremely long filter life and lowering maintenance costs. The large surface area allows for longer run times between cleanings and high performance even while operating in dusty and dry conditions. Overall, the HD2 air filter provides better protection of the engine compared to standard air filters.
Standard Features
Common Features for Handheld Blowers
View the features common to many STIHL handheld blowers.
We Also Suggest
Gutter Kit
Clogged gutters may become a thing of the past with this quick and manageable gutter attachment. A series of plastic tubes attach to your STIHL handheld blower and can extend to more than ten feet, providing the additional extension needed to reach most residential gutters. Great for removing dry leaves and debris. For use with BG 55, BG 56 C-E, BG 66 L, BG 86 and BG 86 C-E. See your STIHL Dealer for details.
Vacuum Kit
Quickly convert your STIHL handheld blower to a vacuum by attaching this easy Vacuum Kit. Empty debris into your compost pile simply by unzipping the bottom. For use with BG 55, BG 56 C-E, BG 66 L, BG 86, BG 86 C-E and BGE 71 models. Does not fit BGA 85.
HP Ultra 2-Cycle Engine Oil
No matter how you slice it (or trim it or shred it), there's no better protection for your high performance 2-stroke engine than STIHL HP Ultra Oil. This 2-cycle engine oil has outstanding engine cleaning characteristics, plus "ultra" lubricating qualities that are superior to other 2-cycle engine oils. This fully synthetic oil is also highly biodegradable, degrading by 80% in 21 days. We're so confident this oil will protect your engine, we'll double your STIHL limited warranty* when you use it. It's that good.
*Double your warranty when you purchase either STIHL HP Ultra Oil (six pack) or STIHL MotoMix® Patented Premixed Fuel (one gallon minimum) with your STIHL product purchase. Double limited warranty protection applies to select STIHL gasoline-powered products purchased for personal non-income producing, household purposes only. Other restrictions apply. See dealer for details or refer to STIHL's Limited Warranty Policy.
Unopened container shelf life: 4 years from the date of filling, in originally sealed containers.
No-Spill® Fuel Containers
No-Spill® fuel containers advance convenience and quality in gasoline-can design by reducing emissions of hydrocarbons from evaporation, permeation and spillage. This helps protect the environment as well as saves you on fuel costs due to waste. Each container is molded from fluorinated, high molecular weight material for low permeation. The thumb-button flow control allows filling even smaller-sized tanks reducing the risk of spilling and is designed to stop the flow automatically, when the tank becomes full, to prevent overflowing. Built on a wide, stable base for less likelihood of upsets and equipped with child-resistant closures, all No-Spill® containers comply with both EPA and CARB requirements. With 1¼-gallon, 2 ½-gallon and 5-gallon sizes available, you're sure to find one that fits your needs.
For Your Safety
STIHL Proscaper Series Gloves
When you require more protection than traditional landscaping gloves, turn to Proscaper Series Gloves from STIHL. These gloves feature premium boarskin for terrific softness and padded palms for abrasion resistance. A woven elastic back flexes to allow total freedom of movement. An adjustable, wrist strap closure provides personalized comfort and a secure fit.
Available materials: Boarskin
Available sizes: M, L, XL
STIHL® Pro Mark™ Hearing Protector
Heavy machinery doesn't have anything interesting to say – block out that noise with our most noise-reducing hearing protection. These top-quality Hearing Protectors feature padded stainless steel spring-wire headbands maintain constant pressure. So no sliding around and letting in unwanted sound waves. They're also easy to adjust. Set a comfortable fit and get to work in peace.
Meets ANSI S3.19-1974 standard. Noise Reduction Rating (NRR) of 29 dB(A).
Available color: Orange
Two-Tone Sport Glasses
STIHL Two-Tone Sport Protective Glasses offer wrap-around protection in a sleek orange and white frame. These protective glasses block out 99% of harmful UV rays and feature an adjustable rubber nosepiece that prevents slippage. The frame features straight-back temples and rubber temple tips. The lenses are made from optical-grade polycarbonate and are available in two lens color options.
Meets ANSI Z87.1 Standard
Available lens colors: Silver Mirror and Smoke


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FREE online photo training for photographers!
Enjoy our comprehensive library of tutorials offering valuable lighting tips and techniques to get the best out of your studio and location photography.
We will be adding new tutorials regularly so sign up for our newsletter, follow us on twitter or like us on facebook to be the first to know as they go live.
Latest content


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|Malaria - Homo sapiens (human)
|Plasmodium protozoa are parasites that account for malaria infection. Sporozoite forms of the parasite are injected by mosquito bites under the skin and are carried to the liver where they develop into the merozoite form. Sporozoite invasion of hepatocytes is mediated by parasite surface protein like CSP. Subsequent infection into red blood cells (RBCs) by merozoites causes malaria disease via aberrant cytokine production and sequestration of parasite-infected red blood cells (pRBCs) to host endothelium. Microvasculature sequestration in the brain brings about cerebral malaria that can results in death or persisting neurological impairment. PfEMP1 has been suggested as the key adhesive molecule of pRBCs.


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U.S. Equal Employment
Opportunity Commission
You can use the EEOC's Public Portal to file and manage hearings and appeals of EEO complaints.
If you have questions about using the EEOC's Public Portal related to a charge of discrimination, you can search for answers in
And in these User Guides:
For online technical support:
Email: email@example.com
Call: 1-800-569-7118.
When the investigation is completed, the agency will give you a notice giving you two choices: either request a hearing before an EEOC Administrative Judge or ask the agency to issue a decision as to whether discrimination occurred. If you ask the agency to issue a decision and no discrimination is found, or if you disagree with some part of the decision, you can appeal the decision to EEOC or challenge it in federal district court.
If you want to ask for a hearing, you must make your request in writing within 30 days from the day you receive notice from the agency about your hearing rights. The agency will send you this notice as soon as it has finished its investigation. If more than 180 days have passed since you filed your complaint and the agency still has not finished its investigation, you can ask for a hearing at anytime.
Complainants now have the ability to file their hearing requests online. The EEOC Public Portal is a secure, web-based application developed for individuals to interact with the EEOC regarding a complaint of employment discrimination. The EEOC Public Portal allows individuals with discrimination complaints against the federal government to:
For instructions on how to access and use the Public Portal to file your hearing request, see the EEOC Public Portal User's Guide.
You also have the right to file a lawsuit anytime after the 180-day investigation period has passed, even if your complaint is before an EEOC Administrative Judge. Keep in mind, though, once you file a lawsuit, the EEOC will close your complaint and take no further action.
You should send your hearing request to the EEOC field office that has jurisdiction over your complaint. The agency will tell you which EEOC office has jurisdiction when it sends you notice about your hearing rights or you can ask the agency's EEO Office to give you this information. You must provide the agency's EEO Office with a copy of your hearing request.
Once the appropriate EEOC field office receives your request, we will send you a docket number for your case and ask the agency to send us a copy of your file. We will also ask the agency to send a copy of the file to you, if the agency hasn't done so already. Your case will then be assigned to an EEOC Administrative Judge.
If your complaint has already been sent to an EEOC Administrative Judge, you must contact the Administrative Judge to add any new events to your complaint.
If one of your complaints has been referred to an EEOC Administrative Judge, you may ask the Administrative Judge to join other complaints of yours that you feel are related to the complaint that the Administrative Judge is hearing.
The purpose of a hearing is to make a full and accurate record of the events you raised in your complaint. The EEOC Administrative Judge will then use this record to decide whether discrimination occurred. The Administrative Judge makes all decisions about how, when, and where the hearing will take place. Where the hearing is held will depend on where you live and where witnesses and records are located. Because the hearing is closed to the public, the Administrative Judge will only allow people who have knowledge of the events raised in your complaint to come to the hearing.
Both you and the agency will have the opportunity to offer evidence that the Administrative Judge will use to decide the case. Before the hearing, both you and the agency will be able to ask for information and documents. If the Administrative Judge feels that evidence asked for by either party is not relevant, too difficult to provide, or has already been provided, he or she may deny the request or ask that the request be simplified. The Administrative Judge also may ask you or the agency to offer evidence that he or she feels is important to the case. This exchange of information before the hearing is to make sure the investigation of your complaint is complete.
At the hearing, you and other witnesses approved by the Administrative Judge will tell the Judge what happened. A court reporter will create a transcript of everything said at the hearing. You will be able to ask questions of the witnesses, and the Administrative Judge may also ask questions.
After the hearing, the Administrative Judge will send you a decision and order any relief. The decision should be sent to you within 180 days from the day you asked for a hearing. The Administrative Judge will send both you and the agency a copy of the decision, along with the transcript of what was said at the hearing.
Once the EEOC Administrative Judge hands down a decision, the agency will then have 40 days to issue a final order, which either accepts or rejects the decision of the Administrative Judge. The agency's final order will also contain information about your right to appeal to EEOC, your right to file a civil action in federal district court, and the deadline for filing both an appeal and a civil action. It also will tell you if the agency will grant the relief ordered by the Administrative Judge.
If the agency does not accept the decision or disagrees with any part of the decision of the Administrative Judge, the agency must file an appeal with the EEOC's Office of Federal Operations.
If the agency doesn't issue a final order in 40 days, the Administrative Judge's decision becomes the agency's final action in the complaint.
Whenever discrimination is found, the EEOC Administrative Judge will order a remedy that puts the victim of discrimination in the same position (or nearly the same) that he or she would have been in had the discrimination never occurred. The types of relief will depend upon the discriminatory action and the effect it had on the victim. If you are not selected for a job or a promotion because of discrimination, for example, the remedy may include placement in the job, back pay and benefits you would have received, attorney's fees if you had a lawyer, and a possible award of money for harm caused by the discrimination.
If your complaint is already before an EEOC Administrative Judge, the Administrative Judge may ask you and the agency to try to settle your complaint and may give you and the agency time to work out the terms of a possible agreement on your own.
If you and the agency settle your complaint, it will be dismissed and no further action will be taken. Both you and the agency will be required to do what you promised to do in the agreement. You are not required to accept a settlement offer.
If an agency does not comply in some way with the terms of your settlement agreement, notify the agency's EEO Director. You have 30 days from the day you first learned of the agency's failure to comply to give the EEO Director this notice.
The agency must respond to you in writing to try and settle the conflict. If the agency does not respond, or if you are not satisfied with the agency's response, you can appeal to EEOC's Office of Federal Operations for a decision about whether the agency has complied with the terms of the settlement agreement. You must file your appeal within 30 days from the day you receive the agency's response or, if the agency does not respond, after 35 days have passed from the day you notified the agency's EEO Director of the agency's failure to comply. You must give the agency a copy of your appeal. The agency will then have 30 days to respond.
If an EEOC Administrative Judge feels your complaint does not meet certain procedural requirements (for example, your claim was filed too late), the Administrative Judge can dismiss your complaint without a hearing.
If an Administrative Judge dismisses your complaint, you must wait for the agency to send you an order saying it agrees with the dismissal before you can appeal to EEOC. You have 30 days from the day you receive the agency's dismissal to appeal.
In some cases, an Administrative Judge will dismiss only part of the complaint and continue processing the rest. In this situation, you must wait until the agency issues its final order on all of the claims in your complaint before appealing the partial dismissal.
If the agency does not follow its final order, you should contact the agency's EEO Director. You have 30 days from the day you became aware of the agency's failure to follow its order to notify the agency's EEO Director. If the agency does not respond after 35 days, you can file an appeal with EEOC's Office of Federal Operations alleging noncompliance. If the agency does respond, you will have 30 days from the day you receive the agency's response to file an appeal.
In most cases, agencies must give you the relief awarded within the time frame ordered by the Administrative Judge in his or her decision. If the agency fails to give relief within this time frame, you can either file a petition for enforcement with EEOC or file a lawsuit in court for enforcement of the award.
There is one exception to this general rule. An agency does not have to provide the relief awarded by an Administrative Judge while the agency's appeal of that award is being decided by EEOC. In such cases, if the agency loses its appeal, the agency will generally have to pay you interest on any money you are entitled to as part of the award.


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Interlibrary Loan
Interlibrary Loan Request Form
Interlibrary loan is a service offered by the library to aid students, faculty, and staff in research.* It is designed to complement the resources of the Detroit Mercy Law Library, not to supply the major part of materials for extended research. Policies are based on the National Interlibrary Loan Code of the American Library Association and on the regulations of the individual lending libraries.
The time involved in processing interlibrary loan requests is dependent upon the nature of the material requested--esoteric materials may take longer to identify and if located at another library, often taking up to a month or more. More common titles may be obtained within a shorter period. The majority of items will arrive within two weeks of their request. The loan period is determined by the lending library. In most cases, the loan period is two weeks. Institutions that loan materials have the right to place restrictions on the use of their material (such as requiring it to be used within the library) and may recall material at any time.
We try to accommodate all research needs, but during especially busy periods, we reserve the right to limit the number of requests that may be submitted at any one time to four per person.
*Please note: Interlibrary loan service is available for Detroit Mercy Law faculty, Detroit Mercy Law staff, and Detroit Mercy Law students ONLY.


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March 2, 2007, 10:47 am
That lovin' feeling
So many love stories were floating around the I.CON Awards gala that I almost thought I was at a Valentine's fete.
There was plenty of love expressed in the awards given to Colorado's outstanding special events professionals — all of whom, one presumes, were rewarded because they love what they do and it shows. Read more…


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All the rain we've been having is a wardrobe issue for most of us as we are forced to keep the sundresses at bay, but it could spell big money trouble for Northern California farmers.
It's already caused a delay in several crops like tomatoes and zucchini. The extended winter weather well into springtime has caused them to delay sprouting. This time of year the farmers should be picking the veggies for market and they still haven't popped their little heads out of the ground.
There is more rain, wind and hail forecast for Thursday and that will only delay the little buggers even longer from doing what they are supposed to do -- and become our summer side dish.
People who have cherry and apricot orchards are particularly worried because the wet weather is putting their entire crop at risk.
Yes, life is not a bowl of cherries these days at Tachella Family Farm n Brentwood.
"If we get a significant amount of rain and it's followed by a significant amount of heat it's gonna split the cherries and start the molding process and it molds overnight," Kathy Tachella said.
So far the rain hasn't caused too much damage, but if you look to the sky today you will see more rain is on the way.
Already, the rain and hail has left nicks in the fruit's skin.
"There's nothing you can do about it we can talk about it until we're blue in the face that's the life of a farmer," Tachella said.
For small family farms like this one, any loss hurts.
The wild weather is good news for Tahoe-area resorts. Squaw Valley is reopening this weekend thanks to recent snowfall.
The unsettled weather is expected to move on by Thursday night. After that the holiday weekend looks dry and a bit warmer.
While this spring rainfall is unusual, experts say it is getting more attention because it follows three years of drought. And yes, El Nino has had at least some influence on the forecasts.


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You could use a debt assistance scheme to help you repay your debts through manageable payments, reducing stress and financial worry.
Paying back debts that you cannot manage can lead to a poor credit rating which can affect your future. To tackle this problem as quickly as possible, get in touch with us today via the contact forms.
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A Debt Assistance Scheme in Highland PH44 4 is a service which we can offer. This gives you a lot more time to re pay your owed money, and also completely gets rid of the stress of dealing with creditors alone. Make reduced periodic outgoings to your creditors, regain management of your once controlled personal finances. By receiving a Debt Assistance Scheme from us, this allows you to sit back and let us at Debt Relief make contact with your creditors.
Please make sure you fill in our contact form for more information on our expert advice and more information on the services we have to offer. One of our helpful team members will get back to you as soon as possible with more details.
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You may find yourself being under lots of stress if you're short of funds and without advice. Difficulty with debt in Highland PH44 4 can occasionally produce depression symptoms and contribute to additional difficulties. For people who are finding it hard to manage monthly payments, assistance is readily available by means of specialist systems. Find the help and advice you want now before your financial issues get worse. You may get a bad credit history if you have trouble with paying back debts. You should never spend cash which you don't have and can't manage to pay off. You could get legal letters when you don't complete the required repayments. Your future might be affected by a poor credit rating, and it may influence specific things like job opportunities and home mortgages.
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Bad guidance is frequently given to those who find themselves experiencing debts. You will most likely be charged for the help of debt advice companies. The monthly charge actually gets you further into liabilities and it takes you more time to repay the monies owed. As UK specialists we will assist you in running through all the various procedures to help you become free of money issues. Make contact with us right now to get some advice with regards to your finance troubles. We also offer Debt Helpline Reviews, ask us via our contact form about other debt helplines such as the National one http://www.debt-relief.org.uk/support/national-debt/highland/ and more in our industry. We can provide simple assistance on who can help you and how some poor organisations don't always keep their promises; they also can actually lead you to a further decline in money and problems.
Establishments such as the FCA are hoping to tackle the problems with these poor corporations. They are looking at debt advice companies which usually don't provide the guidance which is actually required by people. A person with lots of financial issues ought to be assisted by a qualified service. As well as this, the FCA also motivates economical companies to provide assistance any customers who might be in financial trouble.
When trying to clear debts it is best to ask yourself some questions when attempting to become out of a substantial loss of finance. What exactly is the full amount owed to the creditors? What's the number of companies you are working with? What's an affordable amount that you can pay on a monthly basis? Make sure you complete the enquiry box to talk with our specialists concerning information for your debts. One possible method of managing repayments could be a Trust Deed, make sure to read this page - http://www.debt-relief.org.uk/options/trust-deed/highland/ for more details on this. Why do we feel we are the most effective UK business to help you become out of a poor financial situation? Clearing your money problems is the obvious end goal when seeking advise from any company within the market. However, we believe we are the one organisation that gives a clear direction and personal assistance into doing so, rather than letting business interests override this factor.
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½ tsp vanilla extract
Preheat the oven to 200oC/180oC Fan/Gas Mark 6. Line the sides and base of a 20 x 20cm (8 x 8in) square cake tin with parchment paper. Using an electric whisk, whisk the eggs, caster sugar and vanilla extract in a large bowl until the mixture is thick and mousse-like and the whisk leaves a figure of eight pattern (this will take about 5 minutes). Melt the butter in a saucepan with the milk, then pour onto the eggs, whisking all the time. Sift in the flour, cinnamon and baking powder and fold carefully into the batter so that there are no lumps of flour. Pour the mixture into the prepared tin and smooth the surface. Arrange the apple slices over the batter. (They will sink to the bottom.) Sprinkle over a tablespoon of sugar and bake in the oven for ten minutes, then reduce the oven temperature to 180oC/160oC Fan/Gas Mark 4 and bake for a further 20–25 minutes or until well risen and golden brown. Remove the cake from the oven and allow to cool in the tin. Cut into squares and serve warm with cream or custard.


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Business Intelligence & Processes
Digital transformation offers enormous opportunities for organizations to get ahead. One of the most lucrative ways in which to do this is by utilizing business intelligence. A companies' biggest asset in the digital age is its data. Information drives innovation through the analysis and mining of big data. Which then, in turn, helps to optimize business processes. This makes data a crucial tool that businesses can exploit for revenue generation and a competitive edge. To take advantage of this, companies need to ensure their workforce has the right skills to extract meaning from the vast amounts of data and to identify appropriate solutions to business problems.
Below you can find the exams EXIN offers in the area of Business Intelligence & Processes.


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Learn about our mission at 826CHI.org
by Andy GreggSupersupsuper.com
Inspired by:
Who Wants Love? By Quinn, Grade 4
Love is a great thing because it's made out of hearts and beauty and prettiness and handsomeness and awesomeness. And POW!
Loves goes slow. Love is ridiculous. Love is fast like a pony with a wizard costume on and a green mustache. Love is sad. Love is crazy. Love is around the world. Love is a deck of cards. Family Love is happy and cool—boyfriend and girlfriend Love is yuck and nasty.
When it comes to love, a man has to have a job, a good diploma, and has to have an eight-pack. And he has to cook and has to look handsome. He probably has to be in his thirties.


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Jan 2- March 11, 2020 in Westminster, London UK
Oct 8 – Dec 10, 2019 in Woodberry Downs, London UK
What people are saying
From the depths of darkness and despair to the light of freedom, John relates his journey of addiction to his ultimate trust in God to release the chains that bound him. In a very personal, real and vivid form of writing, John takes you through a chronological account of how it all started and how he ultimately listened to his savior Jesus Christ. What followed was a peace and power that he had never experienced, a presence that enabled him to rise up and live a life where all things are possibl…Rich Mallry
open, honest, candid, testimonial of John s struggle through addiction From the depths of the dark abyss, to heughts of the most glorious mountains, we travel in the hands of GOD. Inspirational. There is hope for all. A light at the end of the tunnel. Thank you John for sharing. What an accomplishmentA Reader
This is an amazingly candid book. If you have an addiction or know someone who does, this is the book for you. There is no psychobabble or empty theories about addiction. John writes from his heart about his own struggles and failures and how he found the only true answer to all of life's problems. Sometimes the truth is hard to find or recognize, even when it is right in our face, but if you allow yourself to embrace the truth of Jesus Christ, He can set you free from ALL of your addictions. Th…Daniel Watkins
I have found less evidence that addiction is a disease, and more evidence that it is simply sin, which is a choice. This truth may not be very popular but that does not change the fact that it is a truth, one which I have discovered and experienced in my life.John Childress, author
Thank you for being so personable and honest. You have encouraged my heart and opened my mind to some new points.Raina, a young woman in recovery
If you are someone who has struggled with overcoming addiction, this is a great resource for you! John Childress is very real and shares his personal journey and struggles in detail so that others can see the transforming power that God can have in their lives as well. Many often think that there is no way to truly overcome an addiction, and John's story shows that with God's power you can overcome anything! His life's story and journey is a true testimony of overcoming and turning adversity int…T.Curran, presenter Atlanta Live!
My prayer is that this book will help the churches begin to address the reality of addiction among its members, whether it is addiction to substances, sex, food or people's approval, etc. We can no longer keep our head in the sand thinking that our own members do not struggle with various addictions. This book could be the catalyst to helping churches begin to openly discuss those things that enslave us. We cannot fulfill the command to "carry one another's burden" (Gal.6:2) without bein…Pastor Nate Aanderud
Good presentation John and Sally. The smiles on both of you are encouraging and allow people to feel comfortable with you as instructors, which enables people to receive.Anon from Jamestown
These seminars have been very helpful in my life. I realized that consistency is a necessary step towards maturity and great character.Patty, a young woman in a recovery group
The Addict's Choices is a refreshingly transparent and unique look into the mindset of an addict. The title makes it clear that an addict is not a simple victim, but does have choices (p.143). The strength of this book is that it presents practical tools for anyone seeking hope and freedom. John presents different examples of the biblical concept of "put off" and "put on", where each of us – whatever our addiction – have a choice to either follow the philosophy of this world and…Pastor Nate Aanderud
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Tag Archives: headstone
Pictures of Europe
John and I are at present in Hamburg, more exactly in Billstedt, a suburb off Hamburg. We are staying with our Polish/German friends, Artur and Iwona. Please pray that they grow closer to Christ in all they do. They are … Continue reading


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Julie B. necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 97 diseños de 27 diseñadores freelance.
I just opened a small pizzeria on a shoe string. Everything is local and organic with obsessive attention to detail. What I am not is a graphic designer. You can read all about my philosophy on my (hopefully) very temporary website http://www.flatsrestaurant.com. It is BADLY in need of a whole new look.
I want to cater to those who can appreciate local and organic food and the artisan craftsmanship that goes into making these pies. I want to be careful not to get too pretentious.
I would like to leave this pretty open. I have used one pizza graphic on my sign already and hope to somehow incorporate it. Perhaps it can be manipulated to change it without it becoming completely unrecognizable? It is not a must I am just looking for the best design.
Please try to get past the look of the website and read the content to really understand what Flats is all about.
The Logo should include some image.
Flats and then the phrase Organic Pizzeria.
I am attaching 2 files. The Pizza image that I mentioned above. And a sheet of cards I made for business cards. I would like to incorporate this shade of green in the color palette. (though I am really getting ahead of myself since I am thinking about this color more for the website and print material than having to be part of the logo itself)
I will be happy to answer any questions and give feedback at anytime.
Thanks so much! Paul & Julie
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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Meda® has a well-diversified product portfolio, a global presence, and its represented within all areas of pharmaceuticals: Specialty Products, Branded Generics, and OTC.View products
Aldara has three indications: actinic keratosis, superficial basal cell carcinomas,and external genital warts in men and women.
Elidel® is indicated for the treatment of mild or moderate atopic dermatitis where treatment with topical corticosteroids is either inadvisable or not possible.
Reparil Dragees is an anti-inflamatory and edematous agent.
Plantago ovata seeds and Senna fruits are a specifically clinically proven natural bulk producing fibre containing a natural balance of both essential fibres plus the natural laxative Senna.
An effective and safe alternative indicated for the treatment and prevention of urolithiasis.


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Sherwood Forest
by: Nils Finkemeyer
Game Type(s):
Players: 3 - 6
Age: 9 +
Available Languages
Status: In-Print
Stock Number: 393
Sherwood Forest is beleaguered by rivaling bands. Everybody wants to be the best, the leader who unifies all bands. But only the most glorious will prevail, the one who gathers the most riches to give to the poor.
Plan your raids by gathering information, recruiting new companions and couching in your hide-outs. Form alliances to attack heavily guarded gold transports and avoid the sheriff!
Clever bargaining and well-planned raids will make you the heir of Robin Hood and the new leader in Sherwood Forest.
Sherwood Forest is full of surprises. First and foremost, it is a turbulent and exciting negotiation game. Clever agreements and choosing the right partner in changing alliances will lead to victory.
You may also be interested in...


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For Teaching Adults/Young Adults (4)
English File Fourth Edition
CatalogueFourth edition
New Edition
Gets you talking
Christina Latham-Koenig and Clive Oxenden
Kate Chomacki and Jerry Lambert
Language Level: A1 - C1
Loved by teachers worldwide for getting students talking
CatalogueFifth edition
Trusted worldwide. Inspired by you.
Liz and John Soars and Paul Hancock
Join millions worldwide and teach practical, real life English that is relevant to your students' lives.
Wide Angle
A real-world viewpoint
Jennifer Carlson, Nancy Jordan, Miles Craven, Gary Pathare, Kristin Donnalley Sherman, Jaimie Scanlon, Frances Watkins, Kate Adams, Mari Vargo, Jenni Santamaria, Jamey Sadownick, Lana Koyadinovich, Deborah Gordon, Jenni Santamaria, and Robina Blundell
Language Level: A1–C1
A six-level American English course that teaches English for the real world.
CatalogueFirst edition
Unlock the rules and patterns of English.
Catherine Walter (Series Adviser)
Language Level: A1-C1
Unlock the rules and patterns of English to enable learners to progress in all four skills.
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- This event has passed.
EarlyON Playgroup
November 20, 2019 @ 10:00 am - 11:30 am
|Recurring Event (See all)
An event every week that begins at 10:00 am on Wednesday, repeating until December 18, 2019
Free EarlyON Playgroup in West Lorne at West Elgin Community Health Centre. For families/caregivers with children ages 0-6. Activity areas include dramatic play, crafts, blocks, books, puzzles, sensory and fine motor. Circle time is offered at the end of the program. This is a wonderful opportunity for you and your child to explore and play together


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British media reports claim that FBI spoke with Tamerlan Tsarnaev and said they knew he'd carried out bombing
Steve Watson
April 22, 2013
In a report released by Channel Four news in Britain, a reporter has revealed that the mother of the suspected Boston bombers has claimed that FBI officials contacted her eldest son after the bombing had taken place and before the shootout that claimed his life.
Speaking with the suspects' father, Anzor, reporter Nick Sturdee says that the father claims Tamerlan contacted his mother, Zubeidat Tsarnaeva, two or three days after the bombing.
According to Sturdee's report, "Tamerlan told her the FBI had just rung him and accused him of being behind the attacks, and that he had responded by saying 'that's your problem'".
The report states that "The FBI in Boston told Channel 4 News they currently won't confirm or deny any claims about their involvement."
However, a further AP report states that "The FBI is strongly refuting a report by Britain's Channel 4 News that Tamerlan Tsarnaev was contacted by federal agents last week."
"Story is false," a spokeswoman for the agency said in an email response to a Boston Herald inquiry.
Although this information will likely never be verified, it does suggest even more evidence that the FBI knowingly lied to the public when officials claimed that they did not know who the suspects were upon releasing pictures of them at the scene of the bombing.
Channel Four news has clearly put its weight behind the information because it fits with everything else the suspects' parents have said thus far. Both have claimed that their sons were framed, with the mother going into detail about how the FBI were regularly in contact with Tamerlan for three to five years.
The FBI was forced to admit that it had previously had contact with Tamerlan Tsarnaev in 2011, but only after officials first denied the claims made by the mother. The change of story from the FBI came when the media, particularly RT (Russia Today), began to further investigate the matter.
It also emerged that Russian officials contacted the FBI last year regarding Tamerlan's visit, asking the agency to investigate him when he was spotted with 'a militant' on trip to Dagestan.
Steve Watson is the London based writer and editor for Alex Jones' Infowars.com, and Prisonplanet.com. He has a Masters Degree in International Relations from the School of Politics at The University of Nottingham, and a Bachelor Of Arts Degree in Literature and Creative Writing from Nottingham Trent University.
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