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Women have recently become the focus of debate between the two primary political parties, with Democrats claiming that Republicans are taking positions on issues that are attacking women's rights, and therefore waging a "war against women," while the Republicans are accusing the Democrats of focusing on the wrong issues.
Yet the war against women has nothing to do with women's rights or a politician's frenzy to get into the White House. The real war against women is an economic war that has huge consequences for women and our society overall if it doesn't end soon. The reason is that there is a significant gap between men and women's financial literacy that is causing more risk for women than ever before since other factors make it even more difficult for women to retire and support themselves financially throughout their lives. When I wrote about the issue last year, I shared that there was a significant gap between the genders. This year Financial Finesse's research found that not only do women continue to lag behind men when it comes to their financial literacy and knowledge, but the gap between the genders appears to be growing.
Here's what we found:
Women continue to lack basic money management skills—the foundation of all financial planning.
- Only 43% of women reported having an emergency fund in place to cover unexpected expenses or to pay bills for a few months compared to 63% of men.
- 52% of women said they were comfortable with the amount of (non-mortgage) debt they had compared to 71% of men who felt comfortable about their debt loads.
Women are growing less confident in their investing knowledge, which is crucial to their ability to build their wealth.
- Only 25% of women reported that they rebalance their investment accounts to keep their asset allocation plans on track compared to 49% of men.
- 57% of men said they have taken a risk tolerance assessment and were aware of their investment risk strategy compared to only 37% of women.
Let's think for a moment about why this is so frightening. Women tend to live on average up to five years longer than men; they typically receive lower benefits in retirement because they earn less than men (nearly 18% less based on recent Bureau of Labor Statistics data), and they spend on average 12 fewer years in the workforce. In addition, women are more likely to spend part of their retirement years alone, as nearly 90% will be solely responsible for their finances at some point in their lives, whether due to the death of a spouse or divorce, according to the National Center for Women and Retirement Research (NCWRR).
Why Does This Gap Matter to Advisors?
Not only is it widely known that women are a missed client market, but it's also known that they control $8 trillion in assets in the U.S. according to TD Ameritrade Institutional. Other studies show that women are most likely to control much of the assets owned by their husbands at some point in retirement (remember that 90% number earlier).
So what should advisors do to help narrow the gap? For starters, treat wives like they matter, even when they're not directly making the decisions. A 2010 study by The Boston Consulting Group found that most women feel that wealth managers could do a better job of meeting their financial needs. You may think that you are meeting your client's financial needs already, but take a closer look. Even if you are working primarily with the man of the household, spend an equal amount of time communicating and working with his spouse to build a relationship since it could ultimately be her you end up working with down the road.
Create a community of female clients to attract new ones. I recently read a study from the Family Wealth Advisors Council (FWAC) that said women are dissatisfied with the financial services industry, and many are convinced that "their gender is a key factor in the disrespect and condescension" they encounter. If your female prospects have a predisposed feeling that their relationship with you will be difficult due to their gender, that's a huge issue, especially when you consider that every woman in this particular study were known or perceived to be affluent (as defined by having a net worth of over $1 million). Ask female clients that are satisfied with your working relationship to become references for new and potential clients. Women are community oriented, and knowing you have clients already happy with your services who are similar to them can make a big impact on their decision to work with you.
Communicate differently with women than you do with men. Financial professionals have a tough role: they must be chameleons, mirroring their clients' communication styles. When I ran a hedge fund years ago, I offered investing workshops specifically for women. It was an eye-opening experience in that it taught me how women respond to a different message than men. According to Ruth Hayden, author of For Richer, Not Poorer: The Money Book for Couples, women tend to be more concerned about things that relate to their family's wellbeing and comfort on a day-to-day level, whereas men tend to make purchases that are investments that have the potential to appreciate over time. When communicating with your female clients, be sure to talk about what matters to them. One advisor shared with me how she would ask her female clients about important memories that could be tied to their financial goals and money. These non-tangible experiences tend to matter more to women than the chase of a higher return.
The economic war currently affecting women is one in which you can play a critical role. By reaching out to women, you can effectively improve your relationships with them, which can ultimately lead to growth in your business. More than that, however, by choosing to work with women, you are helping to stop the problem from growing, thus helping to close the gender gap. By doing so, you are creating better clients who will have more assets to invest. You are also changing the way women approach financial planning so that they are more likely to seek guidance and a better understanding of their investments.


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Drama, USA, 1956, 114 min., black and white
A Girl Can Lift A Fellow To The Skies!
In Manhattan's Lower East Side, young Rocky Barbella is abused by his alcoholic father, ex-boxer Nick Barbella. Running from his home life, Rocky begins a career of robbery and petty crime, which continues into his teens, when the local church protectory finally refuses to grant him asylum from the juvenile detention system. After Rocky returns on the run from the police, Nick throws him out, calling him a bum and a devil. Rocky immediately rounds up his gang members, Romolo, Fidel and Shorty the Greek, and leads them on a series of robberies. They sell the goods to a fence in exchange for natty new suits, only to be arrested during a rumble with a rival gang. After Nick refuses to provide Rocky with an alibi, the judge sentences the boy to a prison term in Mackinaw. When Warden George Niles visits Rocky in his cell, Rocky refuses his offer of help and instead burns him with a cigarette, thus earning himself a transfer to a brutal work camp. There, he beats up a guard and, while attempting to shoot him, is forcibly restrained by the other prisoners. Fellow convict Frankie Peppo advises Rocky to use his expert fighting skills to earn money in the boxing ring, but Rocky, disgusted by any similarity to his father, refuses. For assaulting the guard, Rocky is sent to Riker's Island, where the warden attempts to break his spirit by placing him in solitary confinement. However, it is not until Rocky's mother, Ida, visits and reveals that she has been in an asylum due to her worry over him, and will give up on him if he does not reform, that he tries to go straight. Within years, he earns his release, only to discover that he has been drafted into the Army. When his superior officer disciplines him, Rocky punches him, and upon realizing the depth of trouble he has once again caused for himself, goes AWOL. He returns to New York, where he tells Romolo that he hopes to earn enough money to pay off the army captain and return to basic training. To do so, he recalls Frankie's advice and searches for him at Lou Stillman's gym. Although Frankie is back in jail, Rocky volunteers to serve as a sparring partner for a boxer. When trainers Irving Cohen and Whitey Bimstein see Rocky's power and ability, they invite him to fight for them. Rocky originally rebuffs them, but upon learning that each fight pays $75, agrees. He begins to win fight after fight, but refuses to train properly, hoping to find a different job. One day, the military police find and arrest him, and despite the fact that he shows remorse for his crimes for the first time, the court sentences him to a dishonorable discharge and one year in Leavenworth prison. There, he is a model prisoner, but soon is taunted into a fight. Sgt. Johnny Hyland, who heads the boxing squad, calls him in and offers to train him toward a career in boxing, and although Rocky remains dubious, John's guidance leads him to new skills and top physical shape. Upon his release, Rocky embarks on a series of boxing triumphs, showering his mother with prize money. One day, after he complains about his father, Ma reveals that it was her insistence that Nick stop fighting, causing him to lose his self-esteem. Later, Rocky's sister Yolanda introduces him to Norma, a pretty Jewish girl, and although Rocky feigns indifference, he soon offers to walk Norma home to Brooklyn. At her house, she urges him to call her, and despite his aloofness, they are soon dating regularly. One night, she argues with him that boxing is barbaric, but agrees to watch him train. At the gym, however, Lou dissuades Norma from taking up with a fighter, and she runs off, followed by Rocky. He waits for her all day outside her house in the rain, and when she finally returns, tells her, "I never had nothing till the ring," and she realizes that she must accept his profession. He misses his scheduled fight that night, however, prompting Irving to chastise him for becoming too happy and healthy to be a good fighter. Irving urges him to marry Norma, hoping the increased responsibility will spur him on, and although Rocky is nervous, his love for Norma drives him into the courthouse. Soon, the couple has a daughter Audrey, and Rocky, who wins every bout, becomes a neighborhood hero. During the World Middleweight competition, however, boxer Tony Zale beats Rocky viciously, and when Norma breaks down in tears, Ma reminds her that to ask Rocky to stop boxing would precipitate his ruin. By the time he returns home, Norma is cheerful and rebukes him for his loss, which strengthens his resolve to win next time. He is training hard when Frankie visits, threatening to reveal Rocky's dishonorable discharge and criminal background unless he throws the Zale rematch. Rocky refuses but, desperate to hide his past from Norma and his fans, fakes a back injury to get the bout canceled. Soon, the authorities discern the attempted fix and order Rocky to identify who blackmailed him. When Rocky refuses, his license is revoked, after which the newspapers report all the details of his past. Rocky feels devastated and doomed to never be able to achieve "legit" status, but still refuses return to crime, despite Frankie's attempts to ensnare him. Although Irving soon reports that Illinois officials have refused to uphold the New York license revocation and want Rocky to fight Zale in Chicago, Rocky is afraid to fight in front of an unfriendly crowd. He trains in Chicago, but remains angry and apprehensive. Finally, Norma explodes at him that he must learn to live with his past actions, spurring Rocky to go to New York. There, he learns that most of his friends are in jail, except for Romolo, who tells Rocky "we ain't got a chance, guys like us." Rocky then visits his father, who refuses to speak to him. Incensed, Rocky calls Nick a quitter, but when Nick begins to cry, Rocky begs to help him, and Nick responds, "Be a champ, like I never was." Newly inspired, Rocky returns to Chicago and begins training in earnest. As the championship fight begins, all of the Lower East Side listens on the radio, including his parents and John Hyland. Zale has an early lead, but despite the pummeling Rocky is taking, he refuses to give up. Round after round, he insists on returning, even after the referee threatens to stop the fight. Finally, in the sixth round, Rocky finds a last reserve of strength and knocks out Zale, to become the world champion. Upon being welcomed home to New York as a hero, Rocky declares to Norma that although he will one day lose the title, no one can ever take away the true prize he has won: self-respect.
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For the First Time, Three Houseguests will Find Themselves
Nominated for Eviction
Viewers to Play an Influential Role in the Game of BIG BROTHER This Summer by Voting for the "Big Brother MVP"
BIG BROTHER Returns with a Stylish Mid-Century
Modern Chic Design and a New "Live Show" Set
BIG BROTHER will unleash two new twists into the stylish, redesigned house this summer that will influence the strategic landscape of the game when it premieres on Wednesday, June 26 (8:00-9:00PM, ET/PT) on the CBS Television Network. Julie Chen is the host.
The first twist is a series' first: instead of two Houseguests being nominated each week for eviction, as in past seasons, contestants will nominate three in this summer's edition. This process will be further explained during the season premiere.
The second twist will allow BIG BROTHER viewers to play a crucial role in the game by casting votes for the Houseguest they feel is playing the best game. The Houseguest who receives the most votes will be anointed that week's, "Big Brother MVP." The full scope of the MVP's secret power will be revealed during the season premiere.
America will start casting their votes for this season's first "Big Brother MVP" before the Houseguests even enter the game, beginning with a pre-premiere vote starting Thursday, June 20, following CBS's cast announcement of the new Houseguests. Fans can visit http://www.cbs.com/big_brother/ to cast their vote.
"The Big Brother MVP will force the houseguests to rethink their strategies. With America rewarding good game play, it doesn't pay to be a floater this summer," said Allison Grodner and Rich Meehan, Executive Producers of BIG BROTHER.
This season, the Houseguests will enjoy a stylish BIG BROTHER house with mid-century modern chic d�cor. The living room features a stacked stone fireplace filled with concrete balls and LED lighting and an eight foot brass starburst; the redesigned kitchen sits below a giant gold world map; the plush, spa-like bathroom is lined with cedar wood; and the bedrooms include an architect's studio vibe and a crayon-colored room featuring Los Angeles landmarks.
The Head of Household suite is entirely black and white, including an aquarium of Koi flown in from Asia to bring good fortune.
The mid-century style of the BIG BROTHER house continues on host Julie Chen's newly remodeled set. The multi-story front of the house features a new high-gloss stage, a lighted runway and a massive 103 inch plasma screen, as well as several other screens, for Julie to monitor and communicate with the Houseguests.
Following the premiere on Wednesday, June 26 (8:00-9:00 PM, ET/PT), BIG BROTHER will be broadcast three nights weekly - Sundays (8:00 - 9:00 PM, ET/PT, beginning June 30), Tuesdays (9:00-10:00 PM, ET/PT, beginning July 2) and the LIVE eviction show hosted by Julie Chen will be broadcast on Wednesdays (8:00-9:00 PM, live ET/delayed PT, beginning July 3).
BIG BROTHER follows a group of people living together in a house outfitted with 65 cameras and 98 microphones recording their every move, 24 hours a day. Each week, the Houseguests will vote someone out of the house. At the end, the last remaining House Guest will receive the grand prize of $500,000.
BIG BROTHER is executive produced by Emmy Award-winning producer Allison Grodner and Rich Meehan for Fly on the Wall Entertainment, in association with Endemol U.S.A.


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The TN2312BP IP server interface (IPSI) provides transport of control messages. The messages are sent between the S8500, S8700, or S8710 Media Server to the media server's port networks (PNs) using the customer's LAN and WAN. Through these control messages, the media server controls the PNs.
The IPSI always resides in the tone clock slot on a media gateway and uses a 10/100 BaseT interface to connect to:
The TN2312BP IPSI provides the following functions:
Hardware Description and Reference for Avaya Communication Manager


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Leonid Meteor Shower 2012: Shooting Stars Saturday Morning
A look at the phenomenon; best time to view it
If you look up overnight, it might look like the sky is falling down. Don't worry though, it's just an annual occurrence!
Every year at this time, the Leonid meteor shower briefly brightens the sky.
The peak comes this weekend, in the hours before dawn on Saturday. If the weather is clear (and it will be across most of the state of Massachusetts), you may enjoy this quiet display of shooting stars.
According to ABC News, we're passing through the debris left by a comet called 55P/Tempel-Tuttle. As pieces, some as small as grains of sand, burn up in the upper atmosphere, they leave brief, bright streaks.
They'll appear to come from the constellation of Leo the Lion, south of the Big Dipper, though they can appear anywhere in the night sky.
Unfortunately, the Leonids are not one of astronomy's bigger spectacles; there are usually only about a dozen meteors per hour, though they have been known to surprise skywatchers. While Saturday morning is the peak, there can be Leonid meteors several nights before and after.
And if you don't want to bother with this one, there's another shower, the Geminids, coming around Dec. 13.
So bundle up - when they're at their best, you may see 100 shooting stars an hour.


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Antitrust Case Filings
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To filter the list of cases, select desired options from the left navigation pane.
View the list of NAICS and SIC industry codes used by the Division. To view all industry codes, visit Census.gov.
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|U.S. v. Ian P. Norris
|September 24, 2003
|Pennsylvania, Eastern District
|Carbon and Graphite Product Manufacturing


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Fire district fray gambles with human lives
We have long supported consolidation among San Diego County's fire districts. But Cal Fire is meting out unduly harsh punishment on the renegade Valley Center Fire Protection District for its refusal to remain part of the five-year-old San Diego County Fire Authority.
Earlier this year, Valley Center opted out of a cooperative agreement with Cal Fire, saying it could no longer afford the four Cal Fire personnel that are required under the contract. District officials replaced the Cal Fire crew with two captains from the San Pasqual Band of Mission Indians' fire department and two of its own firefighters.
Cal Fire responded by removing a crucial Internet communications system from one of the fire stations and trying to yank it out of a second until administrator John Byrne refused to allow removal without a court order. The high-tech ASAPnet system gives backcountry departments access to information critical to fire-protection efforts if regular phone or Internet lines are down.
Cal Fire's position is that because Valley Center has disassociated itself from the Fire Authority, it no longer has a right to the equipment.
But can't the two sides figure out some other way to resolve their differences than putting lives at stake — particularly at the start of San Diego's peak fire season?
Get Essential San Diego, weekday mornings
Get top headlines from the Union-Tribune in your inbox weekday mornings, including top news, local, sports, business, entertainment and opinion.
You may occasionally receive promotional content from the San Diego Union-Tribune.


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Rangers Name Darryl Williams Assistant Coachby New York Rangers @NYRangers / NYRangers.com
New York Rangers President and General Manager announced today that the team has agreed to terms with Darryl Williams to become the team's assistant coach.
Williams, 46, joins the Rangers organization after spending the last six seasons as an assistant coach with the Vancouver Canucks. Williams joins Associate Coach Scott Arniel and Ulf Samuelsson on Head Coach Alain Vigneault's staff.
Prior to joining the Canucks, Williams served in many coaching capacities. He was the Associate Coach, Video Coordinator, and Strength and Conditioning Coach for the St. John's Fog Devils of the Quebec Major Junior Hockey League (QMJHL) from 2005-06 - 2007-08. St. John's reached the playoffs in each of the three seasons when Williams was a part of the coaching staff.
Williams has also served as an assistant coach with the Cincinnati Mighty Ducks of the American Hockey League (AHL) and as a head coach with the Kansas City Outlaws of the United Hockey League (UHL).
Before joining the coaching ranks, Williams played 11 seasons of professional hockey. He skated in two games with Los Angeles during the 1992-93 season, making his NHL debut on March 2, 1993 vs. Calgary. Williams registered 126 goals and 157 assists for 283 points in 676 career games in the AHL and the International Hockey League (IHL).


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Dinner Tonight: Zucchini, Mushroom, and Goat Cheese Tart Recipe
Your source for quick recipe every single week day.
One of the few premade food products I am more than happy to cook with is frozen puff pastry. The stuff is magical. Making puff pastry from scratch is undoubtedly a wonderful experience (one I've never had the pleasure of embarking on), with its layers of dough, one after the other rolled out meticulously, each embedding another layer of butter into the sheet. It would likely taste better than the frozen option. But it's the ease of recipes like these that make it hard to switch.
This particular tart recipe comes from a Whole Foods brochure, but it's a pretty standard preparation. The vegetables are cooked on their own so they're just about as done as you'd like to eat them, then layered on the frozen sheet, which bakes from a flat slab into the airy, puffy crust you see above. Mushrooms and zucchini are great together; if possible, use more than one kind of mushroom—it makes a big difference in flavor.
This tart is very rich, so a little goes a long way. A big green salad is a nice way to round out the meal.
- Yield:4
- 2 tablespoons olive oil
- 1 pound zucchini, cut into 1/4-inch rounds
- 10 ounces mushrooms, sliced, preferably a mix of types
- 2 cloves garlic, minced
- 1 teaspoon chopped fresh thyme leaves
- 2 tablespoon Madeira wine
- 1 sheet frozen puff pastry (1/2 17.3-oz package)
- 3 ounces goat cheese, thinly sliced
Preheat oven to 400 degrees F. Line a baking sheet with parchment paper and set aside.
In a large (12-inch) skillet, heat half the oil over medium-high heat. Add the zucchini slices and cook until golden, 5-7 minutes, turning halfway through. Transfer to a plate and add the mushrooms, a good pinch of salt, and remaining oil. Continue cooking until liquid has evaporated and mushrooms have browned; add garlic and thyme and continue cooking an additional couple minutes until garlic softens. Add Madeira wine and cook until it has evaporated and absorbed into the mushrooms, about 1 minute. Season to taste.
Lay puff pasty on parchment paper and prick all over with a fork, leaving 1/2 inch border on the sides. Spread mushrooms over sheet, then layer zucchini and cheese on top.
Cook in the oven 30 to 40 minutes, until edges of pastry are golden and puffed. Let stand 5 minutes before slicing.


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IceGames reveal details of a massive update to the Naruto team combat MMO
IceGames Co. Ltd, a leading publisher of quality online games, is today delighted to reveal details of the Chapter III expansion to popular Naruto team combat MMO, Naruto Saga.
Naruto Saga brings a fresh set of gameplay experiences into the world of the fabled Naruto anime series. Combining tactical one-on-one battle systems with quick time events (QTEs), dynamic quest systems based on Naruto plots, powerful Beast Summoning, exciting Arena PK and mysterious Ninja Transformation features, Naruto Saga gives players immense freedom while challenging them to use wisdom and courage to overcome obstacles as they strive to become the top ninja in the land.
Now available in the Games.la portal, Naruto Saga: Chapter III ushers in a host of new features and improvements.
Bigger, Better Faction Battles
A new age of faction fights is dawning for Naurto Saga, offering players even more dynamic and thrilling battle options when fighting alongside their friends.
All factions are now able to enter the same event map and face off in a brutal, exciting melee where only the best can reign supreme. Honor points also become more important, giving Naruto Saga players extra incentive to fight for their factions.
Faction Zones
The brand new Faction Zone feature gives players plenty of exciting boss challenges to tackle as a team.
Open from 21:30-23:00 every day, faction members can enter the Faction Zone and group together to kill a daily boss. Finishing the boss in the allocated timeframe will see players earn bags of cool rewards for their efforts. The higher the damage dealt, the better the rewards earned!
Factions Zones are more than just a boss hub though. They are upgradeable, and players can update their zone after hitting set requirements, unlocking tougher bosses and even better rewards in the process. Players also upgrade their faction skills in the Faction Zone through use of check-in, Faction Banquet, and the Donation Token.
To help tackle the new bosses, a special Faction Buff is available at the Faction Shop – one so powerful it can turn the table at any stage during battle, even when it looks certain to end in defeat.
Developing Funds
It isn't cheap being a ninja, especially when you need to keep upgrading your equipment to deal with the ever present threat of the Akatsuki.
Chapter III introduces a free Funds Development Plan for ninjas to earn extra in-game money. Two Festival Funds are available every day for players to invest in, though ninjas can only buy one.
Purchase the right fund and hold onto it long enough and a massive 250% rebate could be rewarded!
Tsunade's Dice
All of these new Chapter III features are making Tsunade feel generous, so from Jan 23rd – Feb 13th, players can visit the famous Fifth Hokage of Konohagakure and try their luck against her in a classic game of dice.
Win in succession and players will get their hands on all manner of awesome prizes.
New Partners and Transformation Techniques
Nine-Tails Naruto, White Coat Sasuke, and The 4th Hokage – Namikaze Minato are all making their débuts in Naruto Saga: Chapter III, giving players an even bigger roster of choice when choosing partners for battle.
With Naruto Saga's unique transformation feature, players are capable of switching between these characters throughout their adventure.
Tweaks and Adjustments
Publisher IceGames is bringing a plethora of improvements to Naruto Saga's current gameplay designs with Chapter III, from adjusted rewards that better incentivise battles, to improved UI's for many key features, quicker ways to obtain recruitment points, and a massively optimized pathfinding algorithm.
Players should be sure to check out the Partner Recruit Cards too, where Akatsuki and SS rank partners are more likely to show up.
New Year, New Prizes!
To celebrate the launch of Chapter III and 2014, IceGames is seeing in the new year with a massive Top-up Pack giveaway. Available from now until Feb 13th, players can enter into set rounds to earn tons of extra ingots (Naruto Saga's in-game currency) – and then get more extra rewards just for spending them!
And that's not all. Players lucky enough to seek out the special roses hidden in the main storyline-related instances and Tsundaes Dice challenge can redeem them in the New Year Shop for a host of valuable items.
The Naruto Saga: Chapter III update is available now. Naruto Saga is a free-to-play MMO. Interested players can register at the official website here: http://track.games.la/pr_ns.htm
Official site: http://saga.games.la/
Facebook page: https://www.facebook.com/NarutoZone
Twitter: https://twitter.com/Naruto_Saga


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|"Are you a wizard or not?"
The title of this article is conjectural. Although it is based on canonical information, the actual name is a conjecture and may be supplanted at any time by additional information released from canonical sources. If this occurs, please move this page to the appropriate title.
- "Meanwhile, the second brother journeyed to his own home, where he lived alone. Here he took out the stone that had the power to recall the dead, and turned it thrice in his hand. To his amazement and delight, the figure of the girl he had once hoped to marry, before her untimely death, appeared at once before him. Yet she was sad and cold, separated from him as by a veil. Though she had returned to the mortal world, she did not truly belong there and suffered. Finally the second brother, driven mad with hopeless longing, killed himself so as to truly join her."
- —Beedle the Bard, The Tale of the Three Brothers.[src]
According to legend, this woman was in love with Cadmus Peverell, and was set to be married to him before her untimely death. Although Cadmus attempted to use the Resurrection Stone he had taken from Death to bring her back to the world of the living, she was unable to fully return to life, existing as "neither ghost nor truly flesh".[1] In his despair, Cadmus committed suicide in order to be with her again.[2][3]
Behind the scenes
- The House of Gaunt are direct descendants of Cadmus Peverell, so it is certain that Cadmus had at least one child in his lifetime. It is not specified if this woman was the mother, or if Cadmus had fathered children from a previous or later relationship. If this woman is the mother of Cadmus Peverell's child/children then she is a direct relative to Tom Riddle Jnr. However, as Albus Dumbledore believed that, in reality, the Deathly Hallows had not been gifts from Death but rather inventions of the Peverells themselves, it is also possible that the circumstances of Cadmus' death were embellished somewhat with the passing down of the legend. Yet, it could be true that he created the Resurrection Stone before his fiancee died, likely in childbirth with his heir, and so he committed suicide after the use of his creation taunted him with her solid, undead figure.
- It is possible that she did not exist, and her existence was simply fictionalised by Beedle to explain Cadmus' death. Because there is no way Beedle knew what was really happening, so it is safe to assume that the account in his tale are simply from Beedle's own fancy.
- In the consoles versions LEGO Harry Potter: Years 5-7, the woman becomes playable only when Cadmus Peverell uses the Resurrection Stone at some dangerous events.
- The woman of the story bears some resemblance to the Ancient Greek character of Eurydice. In the myth, Eurydice hoped to marry the musician, Orpheus, but was tricked by a satyr into being bitten on the foot by a poisoned snake on her wedding day. Like Cadmus, Orpheus attempts to being her back from the dead, but sadly fails.
- Harry Potter and the Deathly Hallows (First mentioned)
- Harry Potter and the Deathly Hallows: Part 1 (First appearance) (Appears in flashback(s))
- Harry Potter and the Deathly Hallows: Part 1 (video game) (Appears in flashback(s))
- LEGO Harry Potter: Years 5-7
- The Tales of Beedle the Bard (real)
Notes and references
- ↑ Harry Potter and the Deathly Hallows, Chapter 34 (The Forest Again)
- ↑ Harry Potter and the Deathly Hallows, Chapter 21 (The Tale of the Three Brothers)
- ↑ The Tales of Beedle the Bard (real)
*Disclosure: Some of the links above are affiliate links, meaning, at no additional cost to you, Fandom will earn a commission if you click through and make a purchase. Community content is available under CC-BY-SA unless otherwise noted.


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Life is Beautiful iPhone x case by Silvana Abel. Protect your iPhone X with an impact-resistant, slim-profile, hard-shell case. The image is printed directly onto the case and wrapped around the edges for a beautiful presentation. Simply snap the case onto your iPhone X for instant protection and direct access to all of the phone's features!
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Using this case right now. Love it.
Patricia Thornton
December 2nd, 2020
Great product arrived in timely fashion. Lovely cheerful pic for my phone!!!
Kevin Franklin
December 2nd, 2020
The side button for the volume could be a little softer or easier to manipulate. Other than that the picture quality is great. Love it!
Mohit Kohli
December 1st, 2020
I am extremely happy with my purchase, this is the third case I have bought, and favorite yet. I didn't know you could edit the pictures somewhat, and glad I found out. You guys have the best covers.
This work has been inspired on my living experiences in Miami, Florida - full of colors and love. I hope that you enjoy it.
Artwork by Silvana Abel http://www.silvanaabel.com http://silvana-abel.fineartamerica.com https://silvana-abel.pixels.com I was born in Sao Paulo, Brazil, and I have been painting since 1991. At first I felt in love with classical paintings, and immersed myself in developing The Great Master's Techniques. I have had my work displayed in galleries in Como, Italy - São Paulo, Brazil & Miami, Florida. My work has been in galleries like Finart, Renot and Julio Lousada. My style and attention to detail is considered remarkable, and my art-work has been compared to a Master's level in Europe, Brazil, and USA. Later in my career, I felt the desire to develop other unique techniques, and I experimented with the use of Marble,...
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Evaluation of the Translation of the DE-PLAN Program for the Primary Prevention of Type 2 Diabetes in Routine Primary Care (DE-PLAN E)
|The safety and scientific validity of this study is the responsibility of the study sponsor and investigators. Listing a study does not mean it has been evaluated by the U.S. Federal Government. Read our disclaimer for details.
|ClinicalTrials.gov Identifier: NCT01365013
Recruitment Status : Completed
First Posted : June 3, 2011
Last Update Posted : July 29, 2016
- Study Details
- Tabular View
- No Results Posted
- Disclaimer
- How to Read a Study Record
|Condition or disease
|Prediabetic State
|Behavioral: DE-PLAN Behavioral: Control group
|Phase 4
Objective: To evaluate the feasibility and effectiveness of the DE-PLANЄ program for the primary prevention of type-II diabetes in high-risk population seen in primary care centers (Osakidetza) in which such intervention is implemented, compared to usual care control centers.
DESIGN AND METHODS: A phase IV cluster randomized prospective clinical trial, conducted in 14 primary care centers from Osakidetza, which will be randomly assigned to intervention or control group, that will collect a sample of 2534 followed for two years, aged 45 to 70 years without diabetes but with high risk of developing it (FINDRISC scale> 14), identified by a screening system. Nurses in intervention centers (GI) will implement DEPLANЄ for 12 months, a structured educational intervention on healthy lifestyles (diet and physical activity), while patients of the control centers will receive standard care for the prevention and treatment of type-II diabetes.
ANALYSIS: The feasibility will be reported as the reach, adoption and implementation of the program. The attributable effectiveness of the program will be determined by comparing the changes in the incidence and risk of developing diabetes in healthy habits quality of life, observed in patients exposed to DE-PLANЄ intervention and of patients from control centers. The incremental cost-utility of DE-PLANЄ program will be also analysed.
|Study Type :
|Interventional (Clinical Trial)
|Actual Enrollment :
|1113 participants
|Intervention Model:
|Parallel Assignment
|Single (Outcomes Assessor)
|Primary Purpose:
|Official Title:
|Effectiveness of the Translation of a Type 2 Diabetes Primary Prevention Program in Routine Context of Primary Heath Care
|Study Start Date :
|June 2011
|Actual Primary Completion Date :
|June 2013
|Actual Study Completion Date :
|July 2015
|Experimental: Lifestyle counseling
Behavioral: DE-PLAN
structured group or individual educational sessions (4 to 5) on diet and physical activity, plus ongoing reminder contacts (e-mails, sms, etc) during 1 year
|Active Comparator: control group
Behavioral: Control group
Standard advice for lifestyle change
- Adoption of healthy lifestyles [ Time Frame: 12 months ]Change in the adoption of minimum recommended levels of physical activity and fruit and vegetable consumption
- Incidence of Diabetes [ Time Frame: 24 months ]Effectiveness of the program in the reduction of the Incidence of Diabetes
- Reach of the program [ Time Frame: 24 months ]Percentage of eligible participants exposed to the program
- Implementation of the program [ Time Frame: 24 months ]Extent in which the intervention components have been delivered as intended (intervention protocol)
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the contacts provided below. For general information, Learn About Clinical Studies.
|Ages Eligible for Study:
|45 Years to 70 Years (Adult, Older Adult)
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- 45 to 70 years old
- high risk of developing type-II diabetes (Findrisc scale > 14 points)
Exclusion Criteria:
- Disorders of the cardiovascular system
- Transplant recipients
- Renal or hepatic failure
- Severe chronic obstructive pulmonary disease
- Severe mental disorders
- Chronic and acute severe infections
- Metabolic uncontrolled disorders
- Restrictive pathology of muscles, bones and joints
- Complicated pregnancy
- Contact difficulties
To learn more about this study, you or your doctor may contact the study research staff using the contact information provided by the sponsor.
Please refer to this study by its ClinicalTrials.gov identifier (NCT number): NCT01365013
|Primary Care Research Unit of Bizkaia
|Bilbao, Spain, E48014
|Principal Investigator:
|Carmen Silvestre
|Basque Health Service
|Principal Investigator:
|Alvaro Sanchez
|Basque Health Service
|Responsible Party:
|Carmen Silvestre Busto, Nurse, Basque Health Service
|ClinicalTrials.gov Identifier:
|Other Study ID Numbers:
|First Posted:
|June 3, 2011 Key Record Dates
|Last Update Posted:
|July 29, 2016
|Last Verified:
|July 2016
Prediabetic State
Patient Education
Primary Health Care
Prediabetic State
Diabetes Mellitus
Glucose Metabolism Disorders
Metabolic Diseases
Endocrine System Diseases


text: 3×5 ft. 55 oz. per sq. yd. coated PVC vinyl, 50 mil, waterproof, UV protected, tear resistant, edges are trimmed – no pipe sleeves/pole pockets. White on one side, gray on the other. Both sides are UV protected. 3-ply design features a tear-resistant 840×1000 denier mesh weave in the center. Super heavy-duty vinyl, very popular for roofing applications and built to retain flexibility at 40 below zero. Sizes over 10 ft. in width will have a seam from heat welding.


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News Release
Printer-Friendly Version
ETA News Release: [03/20/2009]
Contact Name: Peggy Abrahamson or Suzy Bohnert
Phone Number: (202) 693-7909 or x4665
Release Number: 09-0293-NAT
WASHINGTON The U.S. Department of Labor has issued policy guidance to grantees of the Senior Community Service Employment Program (SCSEP) for the implementation of an additional $118,800,000 under the American Recovery and Reinvestment Act of 2009 (Recovery Act). This critical investment is designed to increase services and training for unemployed, low-income seniors, and to invigorate and advance prosperity in the communities where they live.
SCSEP is a community service and work-based training program for older workers with poor employment prospects. Recovery Act funding will expand the number of SCSEP participants assigned to community service work, particularly in high-growth job sectors such as health care, child care, education, green jobs, energy efficiency and environmental services. The funding will be distributed among the 50 states, six territories and outlying areas, and to national organizations that currently provide SCSEP services. Those community organizations receiving Recovery Act funding will be able to expand services.
For more information on SCSEP, visit www.doleta.gov/seniors or call the department's toll-free helpline at 877-872-5627 and TTY 877-889-5627.
More information on the Department of Labor's implementation of the Recovery Act can be found at www.doleta.gov and www.dol.gov/Recovery. Questions regarding Recovery Act funding can be emailed to firstname.lastname@example.com.


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« Experts Urge States To Stay Course on High-Quality Assessments | Main | Maryland Adopts Common Science Standards by Unanimous Vote »
Pennsylvania Signals Departure From Test Consortia
Those of you who are wonky enough to like keeping super-close track of who's dating whom in the assessment-consortium world will be interested to know that Pennsylvania has decided to withdraw from both groups.
We heard this news last week while attending the Council of Chief State School Officers' annual assessment conference. Senior officials in both the Smarter Balanced Assessment Consortium and the Partnership for Assessment of Readiness for College and Careers, or PARCC, told me that Pennsylvania has notified them by email that it plans to withdraw. Assessment folks attending another gathering recently also reported that top Keystone State officials had mentioned the state's withdrawal there, as well.
Pennsylvania officials have not returned my calls or emails asking for confirmation. But, as I said, both consortia told me that they had received notification of the state's decision.
Pennsylvania had never been fully on board with either consortium. It has been only a "participating" or "advisory" state in each group, meaning that it could participate in discussions, but had no voting power, and had never committed to using the assessment systems that were being designed.
With this latest news, our map of assessment consortium membership now looks like this:


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If, instead of a crew of mostly male superheroes, the Avengers were an all-female team of reincarnated interplanetary princesses, they might look like Ann Marcellino's Sailor Avengers. These might scouts don their sailor uniforms and battle the forces of evil.
Marcellino does a nice job finding parallels between the Avengers and Sailor Moon visuals. Hawkeye's mask matches with Sailor V's; godly Thor has Sailor Jupiter's stature; and Iron Man is a perfect Sailor Mars. I would have thought Loki might have stood in for Queen Beryl, but it looks like Marcellino has given him a Sailor Pluto look to fo with his staff.
You can see the individual Avenger Scouts in more detail on Marcellino's Tumblr, or purchase a Sailor Avengers print from Society6.
Sailor Avengers [Ann Marcellino via How to Carve Roast Unicorn]


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About tag lines.
I've been following the thread on Van's forum and would like to add a few comments here as that thread has gotten off topic and morphed into something less than a civil discussion between several participants. Labeling people as trolls is personal. The forum moderators have a mechanism in their arsenal for managing genuine trolls.
From my perspective, a tag line such as the "offensive" one in question is simply a personal statement of one's attitude towards conditioning in the Uechi tradition. I cannot see how anyone could be offended by it. Someone may take exception, but that should only provide a spring board to launch a discussion about how a choice to use/avoid makiwara training does not diminish/enhances one's martial ability. (Which it started to do on Rick's forum)
Here's an example. If this were a forum about field sports and a rugby player tagged "We don't need no stinkin' pads!",an American/Canadian footballer could think, "hey we're just as tough" and perhaps take offense where none is intended. Again, no personal insult or attack on any other sport/style there.
In my analysis, what was intended to be a personal statement, and it was clarified as such in Rick's forum (not too far unlike Tony's prior avatar with the shotgun, or Van's gunslinger avatar, which some may find cause to dislike), evolved into "shots" at dojo's that don't have that training tool. Perhaps a moderator should have nipped it somewhere in the middle of that thread.
And on a side note, I don't recall Van's Walpole dojo having a makiwara, for no other reason if memory serves, as a courtesy to the restaurant tenant on the first floor. I've been in others that didn't have one and some that had one and only a few people worked out with it. It's never been mandatory training in my experience.
Best Regards,


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The Sly Collection
The Sly Cooper Collection listed for Vita by ESRB
The Sly Cooper Collection could be gracing Vita sooner rather than later, if an ESRB listing is any indication. The Sly Collection, which includes HD remastered versions of PS2 titles Sly Cooper and the Thievius Raccoonus, Sly 2: Band of Thieves and Sly 3: Honor Among Thieves, was released back in 2010. There isn't a […]
The Sly Collection headlines
Sly Collection to release as individual PSN titles
The Sly Cooper series seems set to follow in the God of War Collection's footsteps by releasing as stand-alone digital titles.
Sly 4 teased in Sly Collection
Did someone say Sly 4?
The Sly Collection hitting UK on December 3
SCEE's announced The Sly Collection will hit Europe from the beginning of next month.
The Sly Collection hitting retail for $39.99
Sony has announced on the US PS Blog a price for The Sly Collection, which is slated for release in the fall.
Sony considering more HD collections
Sony Worldwide Studios boss Shuhei Yoshida has said the company is interested in releasing more HD collections in the future.


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Dyck, Peter (1821-1885)
Peter Dyck was the first elder of the Zion Mennonite Church of Elbing, Kansas. He was born in Klein Montau, near Marienburg, West Prussia, on 3 April 1821. On 12 July 1849 he married Agathe Entz. They had five children, Catharine, Agathe, Peter, Johannes, and David. Peter Dyck served the Ladekopp Mennonite Church in West Prussia as minister until his emigration in 1876. In May 1869 he and four other men visited friends and relatives in Russia. In 1870 various interested families and churches commissioned him to visit Russia again, this time to determine the possibilities of settlement there. He was accompanied by Wilhelm Ewert of Thorn and Abraham Regier. Peter Dyck again visited the various settlements and went to much trouble to study the farming possibilities. He apparently preferred South Russia as a future location for the Prussian Mennonites, and he even entered into negotiations with government to this effect. It is of interest to note that Cornelius Jansen strongly urged him to investigate America before deciding in favor of Russia. In 1876 Peter Dyck and his family came to Kansas with many other Prussian Mennonites, and settled several miles south of Peabody, Kansas. He served the Emmaus church as minister until 1883, at which time he was instrumental in organizing the Zion Mennonite Church at Elbing. He was one of 14 charter members. In May 1881 he left Peabody for a visit to his former home in Prussia; in July he went on to Russia, returning to Kansas in September 1881.
The record clearly indicated that Dyck loved the ministry and worked hard to be a good shepherd. He had keen insight and good interest in many things. His records reveal minute descriptions of churches, farming methods, and spiritual conditions as he found them in Russia and elsewhere during his travels. He was respected and loved as a community and church leader.
|Cornelius J Dyck
|Date Published
Cite This Article
MLA style
Dyck, Cornelius J. "Dyck, Peter (1821-1885)." Global Anabaptist Mennonite Encyclopedia Online. 1956. Web. 3 Dec 2020. https://gameo.org/index.php?title=Dyck,_Peter_(1821-1885)&oldid=118144.
APA style
Dyck, Cornelius J. (1956). Dyck, Peter (1821-1885). Global Anabaptist Mennonite Encyclopedia Online. Retrieved 3 December 2020, from https://gameo.org/index.php?title=Dyck,_Peter_(1821-1885)&oldid=118144.
Adapted by permission of Herald Press, Harrisonburg, Virginia, from Mennonite Encyclopedia, Vol. 2, pp. 115-116. All rights reserved.
©1996-2020 by the Global Anabaptist Mennonite Encyclopedia Online. All rights reserved.


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During the three-day event, Thrace Group will have the opportunity to present its range of PP yarns for filtration: CF yarns & tape yarns. Also, will showcase the range of woven and non-woven needle punched fabrics and materials with multiple uses in the industry of water filtration, waste treatment, beverage industry, air filters etc.
Filtech exhibition is considered, a must, for all those concerned with designing, improving, trading or researching filtration and separation equipment and services. It is the international platform and solution provider for all industries covering every market segment.Find out more at Thrace Group's Stand: K4


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Eyewitnesses on the Road to Freedom
12 April, 2016 @ 6:30 pm - 7:15 pm
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At the start of the new millennium the Dalai Lama apparently issued eighteen rules for living. Since word travels slowly in the digital age these have only just reached me. Here they are.
- Take into account that great love and great achievements involve great risk.
- When you lose, don't lose the lesson.
- Follow the three Rs:
- Respect for self
- Respect for others
- Responsibility for all your actions.
- Remember that not getting what you want is sometimes a wonderful stroke of luck.
- Learn the rules so you know how to break them properly.
- Don't let a little dispute injure a great friendship.
- When you realize you've made a mistake, take immediate steps to correct it.
- Spend some time alone every day.
- Open your arms to change, but don't let go of your values.
- Remember that silence is sometimes the best answer.
- Live a good, honourable life. Then when you get older and think back, you'll be able to enjoy it a second time.
- A loving atmosphere in your home is the foundation for your life.
- In disagreements with loved ones, deal only with the current situation. Don't bring up the past.
- Share your knowledge. It's a way to achieve immortality.
- Be gentle with the earth.
- Once a year, go someplace you've never been before.
- Remember that the best relationship is one in which your love for each other exceeds your need for each other.
- Judge your success by what you had to give up in order to get it.
p/s : Just sharing this...Tiada sebarang unsur memesongkan akidah...:) " Follow the mode of life and character of your Holy Prophet (Muhammad s.a.w)because it is the best way of leading a good life. "
Yours Truly,


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UPDATE: This story was originally published on March 16. There are a few key phases of life when time goes by so slowly, you'd swear the earth had stopped rotating: when you're anticipating a first kiss, waiting to hear back after a job interview, or counting the days until a loved one returns. Another stress-inducing period that fits the bill? When you're growing your hair from a short cut to something shoulder-grazing or longer. It can take months until your mane is legitimately long enough to pull off an elegant updo. But don't panic—and don't do what we've done many times, and reach for the scissors in a moment of weakness. (Impulsive bangs have never helped a bad situation.)
Instead, click your way through our handy tutorial to create three so-easy (and super-cute) hairstyles for medium-length hair. We collaborated with Jacqui Davis, stylist and partner at Metro Center's PR at Partners salon, to whip up some classic looks that you can master in minutes, with only the bare minimum of supplies. The great thing about these styles? They're meant to appear a little messy, so it's okay if you've got a few loose strands or regrettable layers to grow out. Plus, each ultra-versatile 'do can take you from work to weekend, no sweat. So, grab a can of working spray and get styling!


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Georg Fischer ABS
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In addition to the range of standard fittings, other components such as silicon-free mountings and screw joints are also offered.
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The Western Hotel Hotel
33 Prospect Hill, Galway, Galway, Irland
- HostelBookers
- Hotels
- Hotels irland
- Hotel galway
- The Western Hotel
- The Western Hotel Karte
- 24 -Stunden-Rezeption
- Aufzug
- Bar
- Gepäckaufbewahrung
- Haartrockner
- Kostenloser Internetzugang
- Kostenloses Parken
- Möglichkeit der Tee- und Kaffeezubereitung
- Restaurant
- Tours/Touristeninformation
- Zimmerreinigung
- barrierefrei/ rollstuhlgerecht
Anreisedatum / Abreisedatum
Frühestmögliches Einchecken: 00:00
- Kinderfreundlich
- Nichtraucher
- Steuern enthalten
Reist du nach Galway mit einer Gruppe von 15 oder mehr Personen?
Karten und Wegbeschreibungen
By Bus or Train:
Galways train and bus stations are located in the city centre, just a three minute walk from The Western Hotel. On exiting the station, turn left to head towards Eyre Square. Stay on the right of the square, passing the NTL offices on the right. Turn right at Richardsons pub on the corner and proceed up Prospect Hill. We are located on the top of this hill on your left.
By Car:
Use the AA road watch website for full directions to Galway City. As you approach Galway follow the signs for the city centre and continue towards Eyre Square. We suggest you head straight to our car-park. Right before you reach our hotel you will see a small set of traffic lights. The road will provide you with two options: one to turn left towards Eyre Square and another to turn right down a small street (St Bridgets Terrace) Turn right down this street, then the next left down the Cul de Sac. Our underground car park is located at the end of the Cul de Sac. Please note: Underground car-park is valet parking. If all spaces are take, please leave your car keys at reception as we have a designated driver on hand should we need to move your car.


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Teddy Pendergrass , who became R&B's reigning sex symbol in the 1970s and '80s with his forceful, masculine voice and passionate love ballads and later became an inspirational figure after suffering a devastating car accident that left him paralyzed, died Wednesday (Jan. 13) at age 59.
The singer's son, Teddy Pendergrass II , said his father died at a hospital in suburban Philadelphia. The singer underwent colon cancer surgery eight months ago and had "a difficult recovery," his son said.
"To all his fans who loved his music, thank you," his son said. "He will live on through his music."
Pendergrass suffered a spinal cord injury and was paralyzed from the waist down in the 1982 car accident. He spent six months in a hospital but returned to recording the next year with the album "Love Language."
He returned to the stage at the Live Aid concert in 1985, performing from his wheelchair.
Pendergrass later founded the Teddy Pendergrass Alliance , an organization whose mission is to encourage and help people with spinal cord injuries achieve their maximum potential in education, employment, housing, productivity and independence, according to its Web site.
Pendergrass, who was born in Philadelphia on March 26, 1950, gained popularity first as a member of Harold Melvin & the Blue Notes.
In 1971, the group signed a record deal with the legendary writer/producers Kenny Gamble and Leon Huff . The group released it first single, "I Miss You," in 1972 and then released " If You Don't Know Me by Now ," which was nominated for a Grammy Award.
Pendergrass quit the group in 1975 and embarked on a solo career in 1976. It was his solo hits that brought him his greatest fame. With songs such as "Love T.K.O.," "Close the Door" and "I Don't Love You Anymore," he came to define a new era of black male singers with his powerful, aggressive vocals that spoke to virility, not vulnerability.
His lyrics were never coarse, as those of later male R&B stars would be, but they had a sensual nature that bordered on erotic without being explicit.
" Turn Off the Lights " was a tune that perhaps best represented the many moods of Pendergrass - tender and coaxing yet strong as the song reached its climax.
Pendergrass, the first black male singer to record five consecutive multi-platinum albums, made women swoon with each note, and his concerts were a testament to that adulation, with infamous stories of women throwing their underwear on stage for his affection.


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RoboticsPK, Pakistan's first Robotics Store, is a milestone in the robotics and electronics development in Pakistan. It has been established in order to support and provide resources to those genius Pakistani minds who have been working in the advancing field of Robotics and Electronics. RoboticsPK provides you the world class components like sensors, platforms, electronics etc at your doorstep. All you need to do is to go to our Online Robotics Store, order your favorite components and thats it. You will get them at your door step.
We are the official distributors of the following companies:


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Gaskets. Fuel pumps. V-6 engines. The automotive industry is not the typical background for a state chief information officer. But the car-manufacturing world is where Michigan CIO Teri Takai cut her teeth — gaining broad experience in computer systems planning, logistics and financial lending systems.
That corporate experience is serving her well in state government, where she has integrated 19 executive-branch IT departments into a single technology organization. The centralization mode is quite familiar to her from her days at EDS, Ford Motor Co. and Federal Mogul, a global supplier of automotive supplies and systems.
But more than that, she is a pro at closely linking technology activities and spending to the goals of the chief executive, in this case Governor Jennifer Granholm. Takai's department doesn't start with an IT plan. Rather, IT officials focus on the six issue areas, including health care, economic development and education, that are in the governor's "Cabinet Action Plan." Then the IT department looks at the proposed budget. From there, the department determines the IT initiatives that can support the governor's plans and be funded.
Although she's a master of strategic planning, Takai doesn't hand down edicts from above. Input from and collaboration with the deputy directors from all cabinet agencies inform all technology decisions. And that has helped Michigan earn a national reputation as a leader in "silo-busting" management.
The 57-year-old Takai, a metro Detroit native, had a lot to learn about the workings of state government when she arrived in Lansing — the first Asian American to hold a cabinet post in Michigan. When Granholm's transition team contacted her to ask if she'd consider the CIO position, her first thought was "probably not." She knew it would entail a big cut in pay and she'd never thought about working in the public sector.
But she decided not to reject the idea out of hand. After an hour on the phone with Granholm, it felt like the right thing to do: She and the governor-elect had similar styles and management philosophies. The transition was a little bumpy, however. Takai didn't know who the players were and didn't know the power structure. She didn't really understand the budgeting process nor fully understand how important it was to work with the legislature as well as the agencies. But she also didn't barge in and claim to know it all. "I make it a point to listen, and not ride in and tell people how it is," she says.
In her two-and-a-half years on the job, Takai has saved $100 million, established a good rapport with agencies and legislators, reached out to local governments and vendors, made it easier for citizens to do business with the state and learned the government ropes. It's quite the accomplishment to be able to save the state so much money with the budget so tight. "Granted we don't always deliver 100 percent and sometimes we're slower than we'd like to be" she says frankly.
But with a 15 percent reduction in agency head count, contract savings and vendor discounts that she's hotly pursued, she has made the fallout from the financial strain less painful than it might have been otherwise. She strives to continue to provide the same level of services while also improving security and protecting data.
Local governments are impressed with her efforts on inclusiveness. "She doesn't sit up in Lansing and dictate," says Phil Bertolini, deputy county executive in Oakland. "She involves us in decisions." She was proactive in putting together a group of county CIOs from around the state for technology collaboration.
Other CIOs like her refreshing candor. New York's Jim Dillon remembers a recent meeting in Washington of state and federal CIOs. No one had asked the feds any tough questions. But when the conversation got a little slow, he says, Takai piped up, " 'Do you care about us or not?' Her implication is 'you actually don't always.' " The audience ate it up. "Teri is one of those people always willing to take on the tough subject and make the difficult observation," Dillon says.
— Ellen Perlman
Photo by Kim Kauffman


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Day nursery
We are a purpose built open plan nursery on a school site attached to a children's centre. We offer flexible hours between the hours of 8am-6pm Mon-Fri 50 term time only, however we will consider parents who need all year around. We also offer pre-school hours…
0208 759 5017 07493 766 920