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Tequila Sunset
San Francisco Botanical Garden Society with Tequila Semental and our Community Partners: Consulado de Mexico en San Francisco, San Francisco Tequila Tasting Club, Terra Peninsular
Thursday, April 28, 2011 from 6:00 PM to 8:00 PM (PDT)
San Francisco Botanical Garden Society
Tequila Semental
with our Community Partners:
Consulado de Mexico en San Francisco, San Francisco Tequila Tasting Club, Terra Peninsular present:
Thursday, April 28, 2011, from 6 pm – 7:59 Sunset
at the San Francisco Botanical Garden
Sip fine Semental Tequila at its inaugural San Francisco tasting. Nibble zesty Mexican botanas and smooth Mexican chocolate while being entertained by some of the Bay Area's best Mariachis. Learn about the agave and how exceptional tequilas are produced from this beautiful and fascinating plant. Stroll through the Botanical Garden's exquisite Succulent Garden and the only Meso-American Cloud Forest Garden in the United States. Enjoy the Botanical Garden at this beautiful 'after-hours' time of day.
This very special evening inaugurates a new series of public events presented by the Botanical Garden Society that are designed to showcase culturally-specific areas of the Botanical Garden's renowned plant collection, reinforce the universally critical priority to conserve and respect our planet's precious natural resources, and bring our community together in the spirit of celebration.
$10 members / $20 non-members
Reservations required. Must be 21 years of age or older. No tickets will be mailed. All reservations held at WILL CALL. Please arrive early for check in at the North Gate. Wear festive attire and comfortable shoes for walking.
Member number must be entered to receive member ticket price. Tickets purchased online have an additional service charge.
Tickets can also be purchased by mail to avoid the service fee. Please enclose proof of membership (your member ID.) Deadline for mail orders is April 22.
Make check payable to:
San Francisco Botanical Garden Society
Attn: Ashley Lee
1260 9th Avenue
San Francisco, CA 94122
Questions? Call Ashley at (415) 564-3239 ext 307 or send her an email.
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


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AMMAN: It was only his second day in office, but Fayez al-Tarawneh, Jordan's new prime minister, was already getting a hard time from the demonstrators streaming out of the mosque, shouting slogans against him, against corruption, price rises and the peace treaty with Israel.
Tarawneh need not have worried: only a few hundred people turned out earlier this month to attack the government — the country's fourth such demonstration in 18 restive months. As Syria bleeds and Egypt faces its first post-revolution presidential election, Jordan's political elite is playing what opposition critics dismiss as "musical chairs".
Protests, in the capital and beyond, remain small and peaceful, and state repression is mild by Middle Eastern standards. "It's true there has not been much violence because Jordan has not yet reached the tipping point," said Eman Jaradat, a young civil society activist. "But I think it will happen."
Officially, the mood is upbeat. Over coffee served by liveried servants in the royal palace, King Abdullah's advisers insist he is fully behind reform: an independent election commission is being created; new laws and parliamentary elections are due by year's end. Loyalists wax lyrical about the "gentle breeze" of the Arab spring wafting across the kingdom and a "Jordanian model" of managed change. It is the job of Tarawneh, a former prime minister with a reputation as a yes-man, to speed things up.
"I am convinced that His Majesty has a vision," insists Malek Twal, director of the ministry of political development. "Elections will happen because we can't afford for them not to happen — for the sake of the stability of the country and the survival of the regime."
Yet many doubt the king's commitment. "The results so far show the appearance of reform rather than real reform," argues political scientist Mohammed al-Masri. "We are at a standstill," complains Ali Abu Sukkar, of the Islamic Action Front (IAF), the political arm of the Muslim Brotherhood, Jordan's best-organised political force. Blogger Naseem Tarawnah admits that he does not know whether the king is serious. "But whether he wants reform or not, he and everyone else wants stability," he says. "If that means sacrificing reform he will do it.
Stability means buying as much time as possible."
Elections will not resolve a severe economic crisis in a country that is heavily dependent on aid from the US, the EU and Saudi Arabia.
Jordan, as the wry saying goes, has a "caviar budget" when it can barely afford hummus and falafel. In 2011, 15 per cent of the population lived beneath the poverty line. Opulent west Amman, with its smart shopping malls, palatial villas and Filipino maids, is the glittering exception. Belt-tightening is risky because of Jordan's enormous public sector — providing the livelihoods of perhaps 40 per cent of the entire 6.5m population.
Abdullah's recent visits to tribal areas, with promises of more jobs in the police and gendarmerie, are designed to demonstrate that he is still looking out for his most loyal constituency. "You are the symbols of nobility and bravery," he told cheering members of the Howeitat tribe after Bedouin soldiers on camels and horses escorted his convoy of black Land Cruisers into their flag-festooned encampment.
The crisis is writ large in Tafila, a grim southern town that has seen protests by al-Hirak, a movement that expresses the "dignity deficit" that unites all the Arab uprisings. Unemployment — perhaps 30 per cent nationally — is high among graduates and there is no sign of the wealth generated by the nearby newly-privatised potash mines. The arrest of tribal activists charged with insulting the monarch was an exception to the "soft containment" policy masterminded by the Mukhabarat secret police. Twenty were pardoned after elders paid homage to the king.
Topping the list of popular concerns is corruption, with a rash of unresolved cases it is whispered may lead back to the palace. Claims that the king ordered MPs to block an investigation landed one journalist in a state security court for incitement. Mohammad al-Dahabi, a former Mukhabarat chief, faces charges of money-laundering, abuse of power and embezzlement — though some suspect he may be a convenient scapegoat.
"Five years ago none of our listeners would dare talk about politics," says Daoud Kuttab, who runs the independent Radio Balad. "Now the phone is ringing off the hook. We hear about corruption on air, on the record, all the time."
Even the king is coming under direct attack. Comments and caricatures posted on social media sites mock him and his penchant for Harley Davidson bikes — a savage contrast to a culture of official deference symbolised by the golden crown logo of Petra, the official news agency.
"Now young people are cursing the king and that's a problem," muses Laith Shubeilat, an outspoken opposition leader who urged Abdullah to change to save his throne. "We are tumbling economically and in terms of corruption. It's a farce."
The official narrative is that reform must be gradual and take into account Jordan's "specifics" and regional complexities. "There's too much talk about constitutional monarchy and too much talk that the Islamists will not take part unless the king's powers are limited," argues Twal. "The large majority of Jordanians do not want to hear anything about touching the king's powers." Decoded, those "specifics" are largely about the ever-sensitive relations between East Bank Jordanians and Jordanians of Palestinian origin who make up at least 50 per cent of the population, many of whom support the IAF. This worries those who fear an Israeli plan to annex the West Bank for an "alternative" Palestinian homeland. "The state has used divisions between Jordanians and Palestinians to divide and rule and contain the protests," said al-Masri. "The decision-makers are relaxed and feel they are still in control. But it's the Arab spring and the world is changing. We need leaders who think about the future, see things in a wider perspective and don't just go for quick fixes."
Abdullah, say critics, seems to think the tide has turned in favour of the Middle Eastern status quo: factors include Bashar al-Assad's survival in Syria, Islamist disarray in Egypt and, crucially, the lack of US pressure on Jordan. Those who reject this assessment include Awn Khasawneh, Tarawneh's predecessor, who resigned after being blamed for moving too slowly on reform when his real crime, many feel, was reaching out to the IAF and thus falling foul of the palace and the Mukhabarat. "Spring is a seasonal thing," Khasawneh quipped, "it keeps coming back".
Lamis Andoni, a columnist for al-Arab al-Yom, put it more bluntly: "The regime has reached the conclusion — I think it's a miscalculation — that it can carry on without making fundamental changes. It's betting that the protest movement will get weaker and that it can fall back on its traditional power base of tribal leaders. It also feels certain that the majority of Jordanians of Palestinian origin will not turn against it. But the risk is that the economic situation will undermine those assumptions. People in Jordan are demoralised for more than a year. They are not sure demonstrations will make any difference. They are unhappy but fear the alternative."
By arrangement with the Guardian

subset: commoncrawl


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There could very well be another Stefani baby on the way!
Reports are swirling that Gwen Stefani and her rocker beau, Gavin Rossdale, are expecting their third child together! A source confirmed the happy news to the Us Weekly, saying that 43-year-old singer and designer and Rossdale are "excited" be adding to their brood!
The source also hinted that Gwen may still be in the first trimester of pregnancy by saying, "It's still very new and they just found out." Regardless, such exciting news for the parents-to-be! Baby-on-board will join big brothers Kingston (who's 7) and Zuma (who's 5).
The mama-to-be told Marie Claire in a 2012 interview that she and Gavin had tried for a third but that it didn't really work out. Still, she said that she was feeling "good with what we've got. Everything works out how it should. You can't plan anything, right?"
Back in the beginning of August, the singer was photographed on a family vacation in her bathing suit. The photos kick-started the pregnancy rumors
How did you decide you were done having children?


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Real estate appraisal company, Tinsa, reported earlier this week that average house prices in Spain registered a decline of 2.8% year-on-year in March, compared with a decline of 3.6% registered the previous month, and has now accumulated a decline of 41.4% since the maximum values reached in December 2007, before the start of the crisis.
Thus, the price of housing has accumulated a year-on-year fall of 0.4% in the first three months of the year, moderating by two-tenths the decline registered in the same period of 2014, of 0.6%. According to Tinsa, the current price level is similar to that of the summer of 2003.
With reference to the areas analysed by Tinsa, El Economista reported that the biggest year-on-year declines in prices were registered in the Metropolitan Areas (-5.3%) and for the smaller towns that are included in the 'Other Municipalities' category (-3.8%).
In the Capitals and Large Cities, the price of housing fell by 2.1% in March, year-on-year, while the Balearic and Canary Islands registered a decline of 1.7%. Only the Mediterranean Coast registered an increase in prices in the third month of the year, with a rise of 0.2% compared to March 2014.
Since the peak levels reached in 2007, average house prices have fallen by 48.7% in the Mediterranean Coast, by 45.4% in the Metropolitan Areas, by 44.9% in the Capitals and Large Cities, by 35.1% in the Other Municipalities and by 32% in the Balearic and Canary Islands.
For Tinsa, the March data confirms the price stabilisation process initiated in the second half of 2013, although they believe it is still "premature" to say that it has already bottomed out. In their opinion, the evolution of these prices will depend very much on the progress of the economy and employment, but they stressed that if the forecasts announced in recent months of increased economic growth come to fruition, then the reactivation of housing transactions will be confirmed and the average house prices could bottom out in the coming months.


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love seeing myself nasty
SORRY I HAVE FACIAL HAIR HERE AND NO MAKEUP GOT CAUGHT IN THE MOMENT, IM ***** LOL I turn myself on by looking at myself be nasty. I need to get some videos of me getting fucked any takers I wanna shoot a lot as much as I can. Im 100% NASTY BLK BTTM WHORE. IF U WANNA FREAK WITH ME JUS EMAIL ME. TELL ME SOME NASTY FREAKY ***** U WANNA DO TO ME, TO GET MY NIPPLES AND ASSHOLE TINGLING AND U CAN USE ME HOWEVER U WANT I FUCK ANY AND ALL INTERESTED WITHIN REASON. I LOVE PLEASING MEN ALL MEN


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Rocky Sanford IIOscar R Sanford II
0.71 mi (304) 722-4627 (304) 722-4627
Theresa ThompsonTheresa Lynn Perre Agency
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Shannon DeanMARK SHANNON DEAN LUTCF
3.08 mi (304) 755-0288 (304) 755-0288
Richard "Dick" A Parr SrRichard A Parr
3.51 mi (304) 776-5809 (304) 776-5809
Randy A TuckerRANDALL A TUCKER LUTCF
4.80 mi (304) 768-7676 (304) 768-7676
Gary W PerryGARY W PERRY
6.12 mi (304) 744-4611 (304) 744-4611
Mike KirtleyMichael Paul Kirtley
8.07 mi (304) 562-9226 (304) 562-9226
Theresa ThompsonTheresa Lynn Perre Agency
8.57 mi (304) 757-9337 (304) 757-9337
Erica L McVeyHatfield Insurance Agency, LLC
9.26 mi (304) 346-6972 (304) 346-6972
Stephen T HolbrookSTEPHEN T HOLBROOK CPA
9.62 mi (304) 345-2444 (304) 345-2444
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NewswireToday - /newswire/ -
New York, NY, United States, 2008/08/18 - Fernando Gil de Bernabé, the Managing Director, Strategy & Consumer, Internet Business Solutions Group at Cisco will discuss the future of European Social Networking in communications, entertainment and productivity tools at SNC2008 London.
Ticonderoga Ventures, Inc. announces that Cisco will be providing the Keynote presentation at the Social Networking Conference taking place September 22-23, 2008 at the Millennium Gloucester Hotel Kensington and Conference Centre in London, UK.
Fernando Gil de Bernabé Managing Director, Strategy & Consumer, Internet Business Solutions Group at Cisco will share some of his companys analysis and research in developing a future that will provide Internet users with more evolved communications, entertainment and productivity tools.
The European Social Networking Convention will focus on management and technology for the social networking and online personals industry in Europe. This includes internet, mobile, and enterprise social networking technologies.
Attending the event will be senior executives from the European social media, social networking and online personals industry. Also attending are software executives, marketing firms, European venture capitalists, entrepreneurs, E.U. mobile telecom business development managers and Euro mobile technology managers. An illustrated breakdown of delegates can be found on the website.
Additional topics include: European social network business development, web 2.0 to Europe, building mobile communities and social networks in the European Union, European mobile marketing, Euro internet marketing, Software for online Social Networking market, E.U. venture capital for social networking business and others.
The London event will have a final panel session with online personals executives to discuss and debate on the direction of the European marketplace and how it can be properly monetized.
About Cisco Systems
Cisco, (NASDAQ: CSCO), is the worldwide leader in networking that transforms how people connect, communicate and collaborate. Information about Cisco can be found at the Cisco website.
For more information on the European Social Networking Conference, please visit the website or contact:
Marketing and Logistics Representative Ticonderoga Ventures, Inc.
T: USA +1 (212) 722-1744 x79
Media Relations:
Mark Brooks Social Networking Watch
This press release may contain forward-looking statements, particularly as related to the business plans of the company, within the meaning of Section 27A of the Securities Act of 1933 and Sections 21E of the Securities Exchange Act of 1934 and are subject to the safe harbor created by these sections. Actual results may differ materially from the company's expectations and estimates.
Written by / Agency / Source: Internet Business Conferences Ltd
Availability: All Regions (Including Int'l)
Traffic Booster: [/] Quick Newswire Today Visibility Checker
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Teardrop & Tiny Trailer Rally
Posted 27 February 2011 - 09:02 AM
Posted 05 March 2011 - 10:05 AM
July 14-17, 2011, there will be a rally of some of the finest teardrop and tiny travel trailers assembled at McCormicks Creek State Park in Spencer, Indiana at McCormicks Creek State Park. The Crossroads of America 2011 Rally is expected to have well over 100 different types of home-built, factory-built teardrops and other forms of mobile escape pods. If you're in the area, bring along your camera, and mosey around the campground. Admission to the state park is required ($5 per car). Still some 4 1/2 months away, there are already 95 campsites claimed for the rally. If you have a trailer and want to join in, registration info can be found on the rally website. A big tip of the cap to Thomas & Becky Repp and American Road magazine for co-sponsoring the event!
Hi Pat,
We're looking forward to seeking lots of great photos from the event!
Posted 06 June 2011 - 08:08 PM
Posted 06 July 2011 - 07:48 PM
Just to give an update on the rally, there are now over 125 expected at McCormicks Creek State Park next month. Stop by the park and bring your camera along!
Hi, Just saw your update (yup, I'm a bit behind.). Great news on the rally!
Posted 08 July 2011 - 08:36 AM
Posted 22 July 2011 - 07:35 PM
Pat, is one of those claimed campsites yours?
Why, yes it was, Denny! It was a fantastic four days at McCormicks Creek. I think the final tally was 142 trailers of all little shapes & sizes. And a big tip o'the cap to American Road for co-sponsoring the event. There was an issue in every goody bag passed out. I got a few questions from some of the attendees about the magazine Friday when I wore my AR polo, so some new readers will be joining soon. Here are a few shots I took...my apologies for not getting them labeled yet. Hopefully this weekend! Crossroads of America 2011
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Rays-Sox: ESPN, and the world is watching
Last month, the Rays made the cover of Sports Illustrated, and then The Sporting News. Now they're the cover story on the upcoming issue of ESPN, The Magazine.
Actually, the story is a "letter" from Raymond (the furry blue mascot) to Bud Selig (the ... commissioner) about all the good things going on with the team and at the Trop.
In closing, the real writer, Steve Wulf, types:"You see, Bud, things have changed here. We're not the cute, cuddly D-Rays anymore. We're the power-of-the-sun, don't-mess-with-us Rays. The on-pace-to-win-98-games Rays. I know we need a new stadium, but that's still a sticky issue, so we're not going anywhere for a while. We'll just have to see if winning does the trick. In the meantime, come back and see us. How about this October?"
Plenty being said and written in advance of the showdown series that starts tonight at the Trop, including a prediction by ESPN's Steve Phillips that the Rays will finish behind the Red Sox in the AL East but will play the playoffs as the AL wild card team.
Phillips said the Rays will keep the division race close but the Sox will prevail because of their power bats and their experience.
But he says the Rays will win the wild card based on "the depth and balance of the roster, the outstanding young pitching in the rotation, the veteran experience in the bullpen and the athletes on the field. They play defense, they pitch and the Rays will go to the playoffs as the American League wild-card winner.''
Sox OF Manny Ramirez had an "incident" with the Red Sox travel director in the clubhouse in Houston on Saturday according to the Providence Journal, reportedly pushing him to the ground and yelling at him, "Just do your job!" as they had to separated. Ramirez reportedly apologized and the team said it was no big deal, but that phrase just might become a popular chant in the leftfield stands this week at Tropicana Field.
MLB and the Sox have reportedly sent security personnel to St. Petersburg, not because of the Rays-Sox series, but due to a threat made against black and Latin Sox players. According to the Boston Herald the team received a mailed threat, believed to be postmarked from Memphis, Tenn., against specific players and they could be targeted at Tropicana Field or the team hotel.
The Boston Globe takes a look the significance of the series, noting that "no one, outside of Joe Maddon's immediate family and closest friends,'' dreamed this would be bigger for the Sox than their Fourth of July trip to Yankee Stadium,
And the Boston Herald says "the fight of the Red Sox' young 2008 lives" begins tonight and and that "the starting gun for the race for first place" in the AL East is being fired.
(Pictured: Boston 's Coco Crisp, right, takes a swing at Rays pitcher James Shields after Crisp was hit by a pitch and charged the mound June 5 in Boston. AP photo. Click to enlarge.)


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World best selling car ranking and the biggest auto manufacturers in 2016. According to the 2016 global car sales statistics, the best-selling car in that year was Toyota Corolla, with 946,000 sales. However, as far as the biggest auto manufacturers were concerned, Volkswagen ranked on the top with at least 10.1 million units manufactured in 2016. via bestcarsau.comRead More »
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RALEIGH — The N.C. Department of Insurance (DOI) received a homeowners insurance rate filing from the N.C. Rate Bureau on Jan. 3.
RALEIGH — The N.C. Department of Insurance (DOI) received a homeowners insurance rate filing from the N.C. Rate Bureau on Jan. 3.
The N.C. Rate Bureau, which is not part of the Department of Insurance and represents all companies writing homeowners insurance in the state, has requested a statewide average rate increase of 25.3 percent, varying by territory, with a requested effective date of Aug. 1, 2014.
The increase, if approved, would cost Randolph and Davidson county homeowners an additional 24.5 on their homeowner policies. Chatham County homeowners would pay an additional 18.2 percent while Moore County homeowners would see an increase of 26.5 percent. Homeowners in Montgomery County could see a decrease of .8 percent.
Across the state, the requested rate changes range from -2.7 percent to +35 percent. The insurance companies have also requested revisions to the current geographic rating territories.
Ray Evans, N.C. Rate Bureau general manager, said the increase is long overdue. He said homeowners' insurance in North Carolina has been inadequately priced for some time. He said over the past 15 years, insurers have asked for double digit increases and gotten much less. The last rate hike came in 2012. Evans confirmed insurers asked for a 30 percent increase and got a 7 percent increase.
Evans said the increase is needed to offset significantly higher than expected payouts over the past five years. He said 2010 and 2011 were especially difficult years as homeowners submitted numerous claims for damage due to hailstorms and tornadoes.
This request will be reviewed by DOI experts to determine what, if any, rate adjustments are warranted.
If DOI and the N.C. Rate Bureau do not initially agree on the proposed rate changes, state Insurance Commissioner Wayne Goodwin will call for a public hearing in which both parties would present their cases for or against rate adjustments.
The filing is available for public review on the DOI website. To view the entire filing, go to http://pserff.ncdoi.net/pc.html and enter the Serff Tracking Number NCRI-129361028.
For people who would like to weigh in on the rate requests in person, there will be a public comment session on Friday, Jan. 24, 9:30 a.m. to 4 p.m. in the Jim Long Hearing Room of the Dobbs Building, 430 N. Salisbury St., Raleigh.
Written public comments will be accepted from Jan. 3 through Jan. 31. Written comments should be mailed to: NCDOI, Attn: Bob Mack, Property & Casualty Division, 1201 Mail Service Center, Raleigh, NC 27699-1201; or emailed to email@example.com.


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So I got up and saw this this morning and it has me of several minds. It's obvious (and even admitted by LGBTQ nation) that he won because of brigading fans, but my ponderings mostly have to do with censorship I suppose.
I find for a lot of people Milo and how toxic his views can be can trigger bad responses in many individuals. Despite having won "fairly", should the website really have given him this extra media attention? Is it better to ignore toxic individuals in these situations, maybe give the title to someone who won fairly, or is that a form of censorship? It's obvious that it wouldn't be that detrimental to his causes since he has no problem being heard well beyond the right wing circles. But is that even the point? Does one applaud the website for sticking to their guns, or boo them for allowing internet trolls and anarchists to detract from recognizing a positive influence from the LGBTQ sphere? Is it better to showcase people with dangerous mindsets as a warning or give them as little widespread attention as possible? Should they really detract their label of him as alt-right if he fits the title in so many ways just because he says he doesn't want that title, and is that any different from the white supremacists/Nazis who claim their alt-right and not supremacists/Nazis (though that may not be a totally apt comparison)?
My mind is all over with this and I guess I'm just hoping to get some perspective on it by typing things out and seeing where some discourse goes.
Oh boy, it's Milo Yiannopoulos
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2 posts • Page 1 of 1
Oh boy, it's Milo Yiannopoulos
Where there's smoke, there's fire. Just because you can't see it doesn't mean it doesn't exist. So just shut up, and bring some water.
Re: Oh boy, it's Milo Yiannopoulos
A cursory look at his win reminds me of how shallow and superficial people have become with their mindless support of things. You don't need to have high level talent or time tested commitment to a form or cause in order to be called the best anymore, just popularity and how you play the social networks.
Also, because it's LGBTQ related, I wouldn't be surprised if he won for being attractive. It's why I support panels being appointed to select candidates rather than let the mob do it. No standards.
Also, because it's LGBTQ related, I wouldn't be surprised if he won for being attractive. It's why I support panels being appointed to select candidates rather than let the mob do it. No standards.
The artist's job is not to succumb to despair, but to find an antidote to the emptiness of existence. -W.A.
2 posts • Page 1 of 1


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Kristen Nahum knew it was time to close her 6-year-old jewelry store when sales no longer covered the rent. "I won't go back into retail," she said. "I'm looking to reinvent myself."
For many workers who have lost their jobs, returning to their prior profession is not an attractive option. Former real estate agents, bankers, car dealers and mortgage brokers are being forced to push through self-doubt and think differently.
Many of the unemployed are considering complete lifestyle changes. Perhaps a hobby of cooking can lead to culinary school. Doodles on a napkin might transfer to graphic design; a knack for back rubs can turn into becoming a massage therapist.
"Under current conditions, it is critical that job seekers expand their job search net by considering a wide variety of industries, companies and cities," says John A. Challenger, chief executive of Challenger, Gray & Christmas, an outplacement firm.
Gaby Cora, president of the Executive Health & Wealth Institute, advises the unemployed to think of the situation as an opportunity. "This might be the time to do what you enjoy, what you're good at or what works with your lifestyle."
Nahum, who had been driving more than 60 miles from her home in Davie to her store in a Wellington shopping mall, decided she wants to take online classes to become a virtual assistant: an online executive assistant.
At the heart of most job decisions is money. Whether making radical changes or a slight transition, consider how much you will need to pursue a new direction in this difficult economy and what financial sacrifices you're willing to make.
"It's times like this that re-emphasize the importance of having an emergency reserve," says Lane Jones, chief operating officer of Evensky & Katz, a Coral Gables wealth management firm. "You will need to evaluate what assets you have, what loan programs are out there and be aware of what things are available to you."
Here are some options to consider if you find yourself jobless.
Start a business
Sean Joseph, a longtime real estate agent, watched as the mansions that once lured buyers sat on the market for months with no activity. "I realized my industry was not going to come back any time soon. I had to find something else."
Joseph learned a friend was selling teeth-whitening lamps to salons. He remembers chatting about the concept while holding his mother's Maltese. That's when the idea came to him — create a teeth-whitening pen for dogs. Joseph plans to market his Bow Wow Smile pens through infomercials and sell them for $20 each. "I'm excited about this," Joseph said. "I know it's risky, but I believe in this product."
Steve Greenberg, who interviewed 100 inventors for his newly published book, Gadget Nation, says that during tough times, people invent and patent applications spike. "It's a bit of a gamble to reach into savings, but at the same time people are hitting brick walls when it comes to more conventional jobs," Greenberg said.
Greenberg discovered there is no correlation between cleverness, usefulness and success. "Marketing, luck and perseverance are they key," he said.
James Arthur Ray, chief executive of James Ray International, a national corporation that teaches people to create wealth in all aspects of their lives, advises being realistic about entrepreneurship: "Owning your own business is a damn hard job. You may have to work seven days a week."
He says often people go into business because they are good at what they do, but they aren't necessarily good at running a business. "You have got to have a strategic business plan and be able to pitch it, to tell someone why they should invest in you or your idea."
Jones said it's especially important to have a realistic plan about how long it will take for a venture to be successful: "You need to figure out if you can afford the financial risk."
Launch a Web site
Deb Taylor, who worked in commercial real estate, remembers the devastation of being called into a conference room and told her job would be eliminated. "I drove home thinking, now what?" She and pal Allison Nazarian decided to launch a Web site for working moms like themselves. "We wanted a one-stop shop with humor, activity and original content daily. We also wanted it to be irreverent and hip."
The site, WorkingMomLifeline.com, has been operating for nine months and is attracting readers. But the women agree that making money will take time.
Launching a Web site takes time, creativity and technical skills. It also takes money. Tasha Cunningham, a successful Web site entrepreneur, says it costs $3,000 to $5,000 to build a site, and then it may take six months to a year to make money. Cunningham has two moneymaking sites, DontDate HimGirl.com and ChickCentric.com.
She says she has given herself an Internet education through "trial by fire." Along the way, she has learned it's possible to be profitable, particularly in an economy where people are looking for low-cost forms of entertainment and information.
"You have to find a niche," she says. "You also have to look at it as running a full-time business."
Pursue a passion
Alyse Myers, author of Who Do You Think You Are?, was a marketing executive for the New York Times before becoming a full-time writer. Myers eased her way into the transition by taking a writing workshop where she created drafts of chapters that became her first book. Within a month after publication of her memoir, she left the comfort of her executive job to promote her book and write for a variety of platforms, including a Web site. She's working on a second book. "I always wanted to be a writer. I just never admitted it to anyone," Myers said. "It's terrible to want to follow your passion but not give yourself a chance to try it somehow, someway."
Go back to school
For 20 years, Stuart Scherline listed and sold waterfront homes to people eager for ocean views. But two years ago, Scherline saw change coming for himself and his industry. As the market slowed, he pursued a new profession, hotel management. Now a student at Florida International University School of Hospitality and Tourism Management, his goal is to be a general manager of a luxury hotel. "I have traveled the world. I love the hospitality industry. I decided to pursue my dream," he says.
To support himself, Scherline juggles work and school, taking up to nine credits a semester while listing and showing properties. He aims to graduate in about a year.
Pursuing schooling in some industries is worth considering. Areas such as information technology, health care and sales are adding positions. The personal and home-care aide category also is growing.
Apply skills in new ways
Debra Levine had worked in sales for 20 years in South Florida. Three months ago, she found herself looking for a job. Levine looked at her full range of skills to market herself in new ways.
She never expected to land in retail.
Levine knew she was strong in sales but didn't want the commission-only jobs being offered. It was her marketing skills, timing and persistence that landed a new job — one that wasn't advertised. She will be a store manager of Foot Solutions in Sunrise and will market shoe products to doctors.
Perhaps you can extend your reach in the virtual world. Some people are using their technology, customer service and sales skills to work from home, being virtual agents for call centers, medical transcribers, copy editors or in computer tech support.
Consider a career/ life coach
This can be done online or in person. CareerPath.com offers assessments, designed by psychologists, to figure out what professions best match a person's skills and interests. GottaMentor.com will match you with mentors or a personal career coach to guide you in making a change.
To find a licensed coach, browse the International Coach Federation Web site; members have professional training and certification.
Don't be afraid to take risks
Out-of-work carpenter Michael Fernandez is interested in becoming a police officer. He shied away from it before, but said the job is more attractive now because police departments continue to hire.
"The hours might not be great, the job does have risk, but I'm thrilled to find something with benefits," he said.
Now, finally, a bit of advice for those lucky enough to still have jobs. Make yourself indispensable. Create a new role for yourself within your organization or develop new skills. Step up your performance a notch to make your position essential. The goal is to reinvent yourself in a way that when an employer looks for people to cut, you won't be considered expendable.


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Young Norfolk musicians audition for National Youth Brass Band of Great Britain
PUBLISHED: 07:00 08 August 2012 | UPDATED: 10:21 08 August 2012
Up-and-coming musicians were given an opportunity to audition for the National Youth Brass Band of Great Britain yesterday.
Twenty-six young people attended an open day at Wymondham College where they got an insight into the youth band and were given the opportunity to play in front of selectors. The event included tutorials from experts and a question and answer session.
The open day comes as the youth brass band is set to play at the BBC Proms in London at the Royal Albert Hall and in Beccles and the Snape Proms in Suffolk this month.
Philip Biggs, administrator of the band, said the open day went "tremendously well" and there were a lot of talented young brass and percussion players in the area.
The band will perform at St Michael's Church, New Market, Beccles, on Thursday, August 9, and Snape Maltings, Suffolk, on Friday, August 10, then at the BBC Proms on August 12.
Cornet soloist for the concerts in Suffolk will be James Fountain, the band's long-standing principal cornet player, who until recently was principal cornet of Grimethorpe Colliery Band.


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I thought the Ford Freestyle would sell well because it was so incredibly functional. It didn't, even if I bought one myself (in updated Taurus X form). I thought the Ford Flex would sell well because it combined even more room and comfort (if inferior visibility) with the style of a MINI. It hasn't done well, either. But Ford hasn't given up. For the 2011 model year the Explorer, which ruled the SUV segment through the 1990s, has been transferred to the Volvo-derived platform that provided the basis for both the Freestyle and the Flex. Why might its fate be different?
In a word: styling.
The Freestyle looked like a large wagon. Wagons, as much as driving enthusiasts love them, fell out of public favor about a quarter-century ago. The Freestyle, along with its Five Hundred sedan counterpart, also demonstrated that too few Americans were interested in Fords that looked like supersized B5 Passats. Bauhaus has never possessed broad appeal on this side of the Atlantic.
So the Flex went in a very different direction, making a much stronger design statement that, despite some British influences, was clearly American. This statement connected strongly with some people but repulsed far more. It didn't help that the Flex retained the proportions of a station wagon.
In contrast, the new Explorer is proportioned like an SUV. Compared to the Freestyle, it's three inches less lengthy (197.1), four inches wider (78.9), and a couple inches taller (70.4). The hood and beltline have shifted skyward even more than the roofline. Between these proportions and clean-but-bold styling, the new Explorer looks athletic and even tough in a way the Freestyle and Flex never have. There's something different here, especially in the shape of the nose, so the new Explorer won't get lost in a sea of crossovers. But it's not so different that people will be scared away. After two failures that went against industry trends, Ford has given the market the exterior styling it wants in a crossover.
The new Explorer's interior is dominated by the new MyFord Touch system, which includes a pair of a small LCD displays flanking an analog speedometer and a large touchscreen in the center stack. This system has come under fire for difficulty of use, but aesthetically it makes the interiors of the Freestyle, Flex, and every competitor appear dated. The base audio system includes raised touch-sensitive controls on matte black plastic. The optional Sony audio system substitutes a totally smooth glossy black panel. Use the sophisticated voice controls (which do involve a learning curve of their own) and the hard-to-use non-buttons can largely be avoided.
Aside from these controls, the styling of the new Explorer's interior is more conventional than that of the Flex. Materials are above average for the class, if not luxurious. Soft polymers cover the instrument panel and doors. And yet the door panels still appear cheap, courtesy of "stitching" that is far-too-obviously fake. Because with more convincing faux upholstery it'd be a Lincoln? GM included similar stitching in the 2007 Saturn AURA, only to remove it a year later following intense criticism. Apparently GM's lesson wasn't learned in Dearborn.
Climb into the driver's seat and the dramatic changes continue. The wider body translates into three additional inches of shoulder room, for a noticeably beamier cabin. The instrument and door panels seem massive. I generally set the driver's seat in its lowest position, but felt compelled to raise that in the new Explorer. There's plenty of headroom in which to do this—I could have worn a top hat. Even with the seat raised visibility takes a hit—the A-pillars are massive and the others are also fairly wide. The cloth seats are overly mushy (can a seat be appropriately mushy?); for long-distance comfort the firmer leather buckets should be better, if still not as good as the thrones in the Flex.
Like in the Freestyle and Flex the second row is a comfortable height off the floor. But, despite what the spec sheet suggests, there's less second-row legroom than in the Freestyle much less the limo-like Flex. There's enough room for adults, but not enough for them to stretch out. It helps that there's plenty of room for even boot-clad feet beneath the front buckets. But it's necessary to fold the headrests before folding the second-row seats—otherwise they hit the front seats. (The second-row headrests in the new Dodge Durango must also fold, but do so automatically when the seat is folded.) Dimensions in the third row are similar to those in the Freestyle and Flex, so two adults will fit knees-high in a pinch.
When the third row is upright there's a deep well behind it, an advantage over many crossovers. The innovative system for folding the third-row seats to form a low, flat floor carries over from the Freestyle and Flex. It's so easy to operate that the optional power-folding third-row would not remotely be worth its additional cost and complexity even if it weren't much slower. Despite the wider body, the Explorer's cargo area isn't significantly wider than the Freestyle's. The additional inches appear to have disappeared into the sidewalls. Factor in the truncated rear overhang, and there's a little less total cargo volume than in the Freestyle. But the difference wouldn't be significant except for one other change: unlike those in the Freestyle and Flex, the new Explorer's front passenger seat does not fold. So you won't be transporting a kayak (or very long ladder) inside the car. This potential—which I might never actually use—is one of the things that initially attracted me to the Freestyle. Being able to fold every seat save the driver's to form a very long, totally flat load floor is a thing of beauty to some of us.
Outfitting the Freestyle for soft-roading apparently involves adding a lot of pounds. The all-wheel-drive Explorer tips the scales at 4,750, an increase of over 500 compared to the Taurus X (essentially a Freestyle with a 3.5-liter V6 and conventional automatic). The 3.5-liter V6 from the Freestyle and Flex has been tweaked to bump peak horsepower by 27, to 290, at 6,500 rpm. Mid-range power (as indicated by peak torque) receives much less of a bump. Given the curb weight increase, acceleration is more leisurely than in the Freestsyle, but still easily quick enough for the way the Explorer asks to be driven. (There's not a whiff of sports car here.) As in other applications, the Ford 3.5-liter V6 sounds a little gruff and pedestrian when revved. The six-speed automatic carries over, but unlike in the Freestyle and unboosted Flex it can be manually shifted, via a toggle on the shifter. This feature isn't only useful in sports cars. I badly missed the ability to hold the transmission in a specific intermediate gear while traversing muntainous West Virginia in my Taurus X this past weekend.
Those seeking more power are out of luck, at least in the near term. Ford's twin-turbocharged V6 won't be offered, at least not this year. Instead, a turbocharged four will be available with front-wheel-drive. The turbo four is considerably less powerful than the V6 (237 HP), but about equally torquey. Will Americans be willing to spend an extra $1,000 for two-to-three more MPG? Despite its additional mass, even with the V6 the Explorer is more fuel efficient than the Freestyle with a 3.5 (a.k.a. the Taurus X). I get 16.5 around town in my Taurus X. In the Explorer the trip computer reported 18.5 in similar driving. The EPA ratings back this up: 15/22 in the Taurus X AWD, they're a more competitive 17/23 in the Explorer AWD. Whatever enables the much heavier Explorer to get better fuel economy…I want it in my car.
The suspension tuning is firmer than in the Flex, but not as firm as in the Freestyle. Given the size, weight, and mainstream mission of the new Explorer, it handles well, if not sportily. The steering provides little feedback, but it's nicely weighted and quick. When hustled, the new crossover feels a half-size smaller and lighter than it actually is—bearing in mind that it's tall, wide, and heavy and the driving position will never let you forget this. The Explorer likes to rotate, and so feels more agile than the Flex (such things being relative) if decidedly less car-like than the Freestyle. Body motions are somehow better-controlled than in the lower, more firmly sprung Freestyle, and both understeer and lean in hard turns are moderate. The proactive stability control ("curve control" in Ford-speak) operates transparently most of the time. The ride is usually smooth and very quiet. At idle the engine is nearly silent.
Crossovers happened because people will pay substantially more for them than for a wagon or a minivan. I drove a fairly low-end 2011 Explorer, an all-wheel-drive XLT with Package 201A (MyFord Touch, rearview camera, dual automatic HVAC), Towing Package, and floormats. The list price: $36,645. It's possible to option an Explorer well over $40,000. A similarly-equipped 2009 Ford Taurus X listed for about $4,000 less. Adjusting for the Explorer's additional features using TrueDelta's car price comparison tool cuts the difference to about $1,500, which seems very reasonable. But Ford had rebates of up to $4,000 on the Taurus X, vs. $1,000 currently on the new Explorer. So in terms of transaction prices the increase is considerable. Looking at current competitors, a comparably equipped new Dodge Durango tends to be a few hundred dollars less than the new Explorer.
I was especially eager to drive the new 2011 Ford Explorer because I recently bought a 2008 Taurus X. Will I later want to swap to the new vehicle? Now that I've been able to compare the two, I'm not feeling the urge. The Explorer's styling definitely has broader appeal. And the MyFord Touch looks great and is fun to play with even if it's not always easy to use. But while smooth, quiet, and composed the Explorer drives less like a car. It's also harder to see out of, has less legroom in the second row, and its front passenger seat doesn't fold. In other words, functionality didn't sell, so it wasn't nearly as high a priority this time around. Nevertheless, I expect the new Explorer to sell much better than the Freestyle, Taurus X, or Flex ever did. Will I be wrong once again? Probably not. My personal priorities aren't widely shared. Conventionally attractive styling does sell and the new Explorer looks the part while doing everything else well enough or better.
Frank Cianciolo, an excellent salesperson at Avis Ford in Southfield, MI, provided the car for this review. Frank can be reached at 248-226-2555.
Michael Karesh operates TrueDelta, an online source of automotive pricing and reliability data.
Check Jack Baruth's take on the 2011 Explorer here.
76 Comments on "Review: 2011 Ford Explorer Take Two..."
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This season on NBC, "Grimm" has been one of the few bright spots as it outperformed its supernatural themed competition on other networks. Unsurprisingly, NBC has made plans to keep "Grimm" around next year.
NBC has officially renewed "Grimm" for a second season of 22 episodes; which virtually ensures that "Grimm" will return early in the fall of 2012. "Grimm" was created by Stephen Carpenter, David Greenwalt and Jim Kouf. The series follows David Giuntoli as homicide Detective Nick Burkhardt, a man who learns that he is descended from an elite line of supernatural hunters known as "Grimms," who can perceive the monsters and creatures that inspired fairy tales as they live among humanity and sometimes commit horrific crimes. The series also stars Russell Hornsby, Bitsie Tulloch, Silas Weir Mitchell, Sasha Roiz and Reggie Lee.
It's worth noting that "Grimm" has outlived its fellow freshmen shows on NBC, including "The Playboy Club," "Free Agents" and "Prime Suspect." The most recent episode of "Grimm" drew 5.2 million viewers.
What do you want to see next season on "Grimm"? Let us know in the comment section below!


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You can now connect with GFOA and our members like never before by joining the new GFOA Members group on Facebook.
Second Annual Better Budgeting Webinar
From the comfort of your own home or office, join us for a "mini conference" of budget topics. Speakers representing leading governments from across the United States and Canada will present best practice strategies, communicate lessons learned, debate budget approaches, and identify trends that all governments should be aware of in the budget process.
Budget Award Winners Announced
GFOA congratulates the 1,541 governments awarded the Distinguished Budget Presentation Award for the fiscal year beginning 2016 (through June 30, 2017).
GFOA Member Facebook Group
Fiscal First Aid
GFOA's 12 Steps to Financial Recovery details an organized process to assist organizations during times of financial hardship.
Protecting Local Control in Our Tax Code
GFOA urged Congress to recognize the partnership between the levels of government ensuring that taxpayers are not subject to double taxation...
GFOA Best Practices in School Budgeting
GFOA has developed the Best Practices in School Budgeting and numerous related resources and supports in order to help school districts...


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After weeks where both sides did little more than mark their territory, finally we may be getting some good news toward ending the NHL lockout. Commissioner Gary Bettman announced owners extended a new collective bargaining offer to the players' association on Tuesday, proposing an even 50/50 split of hockey revenue.
It was the first presentation by either side since before the lockout began.
What's more, the league believes their attempt to meet the union halfway may be coming early enough to preserve a full 82-game season beginning on November 2. According to Tim Panaccio, Bettman said of the proposal, "We've given our best shot." Donald Fehr, the union's executive director, will present the terms to the players later today.
Puck Daddy has much more on the plan's specifics which are continuing to leak from a variety of sources, but so far the deal has been met with optimism. One very critical component is the lack of a rollback on existing contracts, considered a non-starter by the NHLPA from the start.
There are sure to be further negotiations on some of the additional provisions, but this is clearly a huge step in the right direction. It's still a little difficult to believe they can get this wrapped up in time to save a full slate of games, although at this point, any progress is welcome.


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text: The Mr. Whisper wiki last edited by Darkside_of_the_Sun on 09/03/17 12:20AM View full history In the late 1600's Manfred Wicker lived in what was known as the Monastery of the Capuchins. Out of all his brothers, Manfred was the example of the monastery followers, he was perfect in so many different ways. Manfred's downfall was he was proud of how he was, and it was his pride that was his greatest sin. The sin lead Manfred into a trap, a trap set by the one that got enjoyment of his sin, Lucifer. When Manfred asked to be saved Lucifer showed him how sin can be the road to all salvation, and that by indulging in every vice he can come more humbly into the sight of God. Manfred and the Capuchins put their new creed into practice, by tormenting, beating, raping and killing nuns.Shortly after the new creed that Manfred had set up, he found the first signs of a plague on his body. In fear and desperation Manfred pledge his soul to hell for a chance to live. Satan responded by giving him 300 years where Manfred could not die or be harmed. The monastery thrived as the Kingdom of Sin, but God's wrath would soon put an end to it. The river Dess burst its banks and tore through the hillside, and fell upon the the tainted monastery. The evil monks drowned, but due to the agreement with the Devil Manfred made, all he could do was watch all of them die.Manfred spent years traveling around the world trying to come up with a way to increase his life so he would not have to suffer in Hell, when his 300 years are up. About the year 1760 Manfred traveled to the "New World", and made his way in to Gotham. There he built Gotham Cathedral, with Gothic designs that would entrap souls and spirits. Manfred also spent the time perfecting a chemical that he could dispense across a wide area, and the chemical would spread by the wind.Bruce Wayne's first encounter with Manfred was at the private school he attended as a child. Bruce knew him as Mr. Winchester, and his experiences with him was what Bruce considered to be hell. Bruce was beating numerous times in class and Bruce would run away from class. Bruce's friend from school disappeared and Bruce swore that Mr. Winchester had killed him.Manfred took the name Mr. Whisper, and left notes to Gotham city's mob bosses. The notes designated which day Mr. Whisper would kill them. This was all part of Mr. Whipper's plan to cheat his own death by making sacrifices to the evil and innocent to the devil, in hope of an extension of his 300 years. The mob bosses used an upside down Bat-Signal to alert Batman of what was happening.Batman was able to foil Mr. Whisper's plan, and the Devil took Mr. Whisper to hell. A few days afterwards a package arrived for Batman, it contained the beating heart of Mr. Whisper. Batman traveled to Austria and threw the heart in the bottom of lake Dess.


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A federal study revealed that middle-aged Americans who ate red meat at least once a day were 30 percent more likely to die during the 10 years researchers followed them. What do you think?
"This research may actually push Americans to adopt new habits, such as calling red meat something else."Juanita Haller Systems Analyst
"Yeah, but what if you eat red meat three or more times a day? Really? Oh boy."Peter Rothbart Car Rental Associate
"If I lived my life by everything studies told me, I'd have given up drinking used motor oil years ago."Brad Glennon Therapist


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Recall of BABYBJÖRN Baby Carrier Active, 2004
If your buckle has 4 screws, or 4 screws and two straps, then your Baby Carrier Active is up to date. Please see the illustrations of the shoulder strap assembly below to determine if your carrier has an updated buckle.
If your buckle does NOT have 4 screws, or 4 screws and two straps, contact Customer Service.
* The buckle on the lumbar support may detach from the webbing on the shoulder straps.
* A new buckle with 4 small screws, or 4 screws and two straps.
* There are 2 versions of the new buckle available.
* One updated buckle has 4 screws.
* The other updated buckle has 4 screws, plus two straps attached to the buckle.
Please note: The BABYBJÖRN Baby Carrier Active concerned are: Blue/Silver and Black/Red sold between December 2003 and August 2004.


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It only takes a minute to get started. Fill out our uncomplicated sign up form and login to the website.
This step is elective but will greatly enhance your chances of getting interest from other Christian members on the site. Write about yourself, your pasttimes and upload some good photos of yourself.
Use our website's advanced search to find members who fulfill your criteria. Or just scan through listings of Christian singles and find people that appear interesting.
Identified someone who meets your criteria? Send them a message or just a wink and see what happens next. With a little luck you'll be on your way to locating your suitable match.
It'll only take a few minutes


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Rated : 4.67 based on 118 votes.
Keyhacks: Press [F] - for Toggle Health [G] - for Toggle Mana[H] - for Upgrade Points
Once again the zombie hordes have taken over the streets of the city so you must try and lead your hero to victory by killing all zombies on each of the 8 stages in this action filled arcade game.
If you have any problems viewing this game please fill out the details below. Before reporting a broken link / game please make sure of the following:
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Texas woman gets life sentence for sixth DWI
A Texas jury has sentenced a San Marcos woman to life in prison for her sixth DWI conviction.
According to the Hays County District Attorney's Office, 44-year-old Rose Ann Davidson was pulled over on July 27, 2012 by a Kyle, Texas police officer on I-35 after he observed her driving erratically.
She was arrested after the officer concluded she was drunk -- an open container of beer was also found in her vehicle.
Davidson had five prior DWI convictions dating back to 1996 and had only recently been released from prison, according to the DA's Office.


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Robert S. Kaplan; Steven R. Anderson
|Format: Hardcopy Black & White
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|Source: Harvard Business Press Chapters
|Publication Date: Feb 22, 2007
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As CEOs of universities and other nonprofits become more publicly accountable for their costs and performance, having a TDABC model of their resource demands provides them with a powerful tool for guiding expansion plans, determining service levels, and managing budgets. This chapter looks at Jackson State University and its application of TDABC in a nonprofit setting.
This chapter is excerpted from "Time-Driven Activity-Based Costing: A Simpler and More Powerful Path to Higher Profits."
To demonstrate the implementation of TDABC in a nonprofit environment for measuring the costs and contribution of academic departments.
Accounting; Activity-based costing; Business growth; Capacity planning; Cost analysis; Nonprofit accounting; Service management


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Russia Today
Oct 24, 2010
A U.S. proposal to restrict how much countries should be allowed to borrow or export has run into opposition at a G20 meeting in South Korea. Japan, Germany and Russia have criticised the so-called "planned economy" thinking. Investment strategist Peter Schiff told RT that Washington is the one to blame for creating the global imbalances that threaten the world's financial stability.
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This article was posted: Sunday, October 24, 2010 at 4:55 am


text: Science & TechnologyGoing small to break semiconductor barriers World's top researchers using nano-technology to develop faster and more energy-efficient computers. 14 Jul 2013 14:59 GMT | Science & Technology, Poverty & Development, Business & Economy The University of Albany's College of Nanoscale Science and Engineering is at the forefront of nanotechnology research and development. Here the world's top semiconductor-makers are looking to go small to develop faster and more energy-efficient computers. Al Jazeera's Kristen Saloomey reports from Albany, New York.Source: Al Jazeera


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Kirksville's Aquatic Center gets a makeover
Fri, 05 Apr 2013 01:00:34 GMT —
The outdoor pool at Kirksvilleâ??s Aquatic Center is getting a makeover. The pool floor is getting resurfaced and painted for the up and coming 2013 season. The pool workers must first sand blast the surface which is underway right now to remove the old layer of paint. After the paint is removed, workers will then be able to begin painting the pool floor. The Aquatic Center will also be touching up paint in other areas of the pool as well to give the outdoor area a more fresh and vibrant look.
â??We are currently in the process of repainting the outdoor pool out here at the Kirksville Aquatic Center. This is the first time we have had this professionally redone since the pool was built in 1998. So, it's definitely long overdue. We look forward to seeing it improve the quality of our pool. We've been chasing paint chips and cracks for quite a while. So, it will make things a little safer. They're also adding a non slip surface to everything that is five foot and under. So, we've had a lot of problems with falls and slips. So we will be able to slow that down a little bit,â?? said Robin Harden, a Recreation Specialist for the City of Kirksville.
All of the pool work should be finished by the start of the 2013 swimming season.


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- Celiac Disease 'Pre-Existing,' Firm Cancels Health Insurance for Girl, 17
Celiac Disease 'Pre-Existing,' Firm Cancels Health Insurance for Girl, 17
- By Jefferson Adams
- Published 09/18/2009
- Additional Celiac Disease Concerns
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Celiac.com 09/18/2009 - Little did the parents of 17-year-old Brianna Rice realize that her February diagnosis for celiac disease would make her into a poster child for insurance reform. That's because when Brianna was first diagnosed, she was covered by health insurance. Thanks to some extra scrutiny by her insurance company, that is no longer the case.
In the months following her diagnosis, Brianna's insurance company, American Community Mutual Insurance, took a microscope to her medical records and canceled her policy after it ruled that her parents had lied on her application last November. American Community not only canceled her policy, effective in May, but also denied coverage all the way back to November 1st, 2008, the day Brianna's coverage began.
After Brianna was diagnosed with celiac disease in February, American Community initiated a review of her medical files and found instances of dizziness, elevated cholesterol levels, ongoing fatigue and a persistent cough. The family received a letter from American Community dated 12 May announcing their choice to rescind coverage.
The letter stated that "coverage you applied for would not have been issued for Brianna if we had known this medical history at the time of application."
Dale Rice claims the firm cherry-picked the instances from different doctors' visits, and that Brianna had no ongoing health issues. He noted the dizziness to was due to a brief bout with dehydration, the fatigue a result of Brianna staying up late surfing online, and the elevated cholesterol due to an inaccurate test, and said her cough was short-lived.
The Rices insist they were honest and forthcoming on Brianna's application and say American Community is trying to back out of covering their daughter because of the February diagnosis. American Community claims it would not have granted coverage based on Brianna's full medical record.
The Rices have lodged a complaint with the Illinois Department of Insurance. "We are livid," said Dale Rice, who, along with his wife, is out of work. "When a private insurer gets legitimate claims and seeks to find excuses not to pay them, they are clearly demonstrating morally and ethically bankrupt behavior."
Insurance companies look for "anything that they could say 'you didn't tell us about,'" says Rice. "They hope that people just lay down and die and don't fight."
The Rices are not alone. The director of the Illinois Department of Insurance, Michael McRaith, notes that his department has investigated about 400 rescission-related cases industry-wide since 2005. He calls the rate at which customers have complained about American Community 'alarming,' and calls American Community Mutual's rescission numbers 'cause for concern.'
The family's situation shows just how quickly health insurance problems can lead to financial ruin. With their daughter's unpaid medical bills exceeding $20,000 and mounting, the Rices fear losing their home. Brianna's mother, Pat Rice says she has liquidated some of her retirement account to pay bills.
"The next step is really bankruptcy," her husband said.
This story should strike a nerve with everyone who has celiac disease, or knows someone who does. I wonder how many people with celiac disease might risk cancellation of their insurance if they lost their jobs? How many people who obtain insurance in good faith, and later find they have celiac disase, risk being with a 'pre-existing' condition label? It seems to me that a crafty insurance company could make an argument that nearly all celiac disease is 'pre-existing,' especially in older people.
Let us know your thoughts by commenting below.
Source: Chicago Tribune
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Jefferson Adams
Jefferson Adams is a freelance writer living in San Francisco. His poems, essays and photographs have appeared in Antioch Review, Blue Mesa Review, CALIBAN, Hayden's Ferry Review, Huffington Post, the Mississippi Review, and Slate among others.
He is a member of both the National Writers Union, the International Federation of Journalists, and covers San Francisco Health News for Examiner.com.View all articles by Jefferson Adams
13 Responses:
Janet LaRueRating: ( Author)
said this on
19 Sep 2009 5:12:21 AM PDT
This is disheartening for the Celiac Community in general. I have also wondered if this would indeed start occurring with celiac patients. For this issue alone, I have not recommended having genetic testing for family members as it would be seen as a pre-exisiting condition should a member have the gene and a predisposition to celiac disease.
(Comment Replies Disabled)
ChrisRating: ( Author)
said this on
17 Nov 2009 9:36:22 PM PDT
I have a similar case pending with Indiana DOI for this same insurance company. Go figure and I will be sending this article to the Indiana DOI on tomorrow.
(Comment Replies Disabled)
SueRating: ( Author)
said this on
21 Sep 2009 1:53:07 PM PDT
I am disgusted with the insurance company, and that's the only thing I can say that is printable!
(Comment Replies Disabled)
bethRating: ( Author)
said this on
29 Sep 2009 4:34:29 PM PDT
Where's dateline and NBC when you need them?
(Comment Replies Disabled)
Eric YoungRating: ( Author)
said this on
30 Sep 2009 3:53:42 PM PDT
Is there any question in anyone's mind about the need to fix our health system in this country? Where else on the face of the earth is profit put ahead of someone's well-being? Wouldn't it be poetic justice if the CEO of American Community Mutual was diagnosed with celiac disease, something that I would not wish on anyone. I hope Illinois steps up to the plate for this 17 year-old!
(Comment Replies Disabled)
former nurse case managerRating: ( Author)
said this on
01 Oct 2009 6:52:21 AM PDT
It is unfortunate you have tied losing medical insurance to the diagnosis of celiac disease. The reality for this family is that they are unemployed, therefore they lost their medical coverage. I believe a simple letter from their daughter's physician stating the facts of her diagnosis would be helpful in fighting this denial of coverage. Their right to challenge the decision to deny insurability needs to be highlighted and pursued by these parents.
(Comment Replies Disabled)
fmd21Rating: ( Author)
said this on
11 Oct 2009 1:37:23 AM PDT
A simple letter stating the facts? What universe are you from? When did you retire? Twenty years ago? First the insurance company loses the paper work repeatedly then it stonewalls. They are just hoping you will give up or die. And they don't ever have to give you a reason. Read the newspapers; watch something other than Fox...
(Comment Replies Disabled)
concerned parentRating: ( Author)
said this on
05 Oct 2009 5:34:53 AM PDT
Truly, this is a concern. I have worried about such an event since my daughter's diagnosis. Luckily, we still have coverage -- but what if we have to switch companies? When she grows and gets insurance as an adult -- will she even be able to get a reasonable and fair policy?
(Comment Replies Disabled)
JohnRating: ( Author)
said this on
05 Oct 2009 6:34:40 AM PDT
Yes, this is one clear reason for health care reform. It's just business as usual for this insurance company; maximize profits at the expense of subscribers' health. The whole issue of denial and the subsequent games the patient has to play with the insurance company is expensive too. We are the only industrialized nation where medicine is a (profitable) business, and the incentive is for patients to come in sick (as opposed to health maintenance and prevention). I had to fight my insurance company regarding testing my daughters (I am a Celiac), but they finally understood it would be cheaper to do the genetic test than to go fishing with numerous doctor visits.
(Comment Replies Disabled)
AbigailRating: ( Author)
said this on
05 Oct 2009 12:40:51 PM PDT
I have come to the conclusion that anyone associated in any way with insurance companies is allied with the devil. It's all about the Benjamin, Baby.
Not that having the government run our health care would be much better. It's really a lose-lose situation, it seems.
(Comment Replies Disabled)
KirstiRating: ( Author)
said this on
08 Mar 2010 5:28:29 PM PDT
We live in Canada and our son and daughter live in the United States. Our children have needed care in the United States, and it has always been prompt and plentiful but expensive (even with good insurance policies). In Canada, we may wait a bit longer and maybe they don't do as many procedures, but in the end, the care is just as good. The government run system is the way to go. I'm so grateful we live here (and very nervous now for my son with celiac disease who lives in the U.S.). I'm surprised Americans put up with their crazy, immoral system.
(Comment Replies Disabled)
ElaineRating: ( Author)
said this on
01 Jan 2010 10:29:05 AM PDT
We definitely need REFORM. Sheesh. Having Celiac requires no expensive drugs, just expensive food! Some ins companies need to be hauled on the carpet, they need to STOP the pre-existing condition crap. I hope any of them who refuse or decline a person because of a pre-existing condition gets a slew of them themselves! See how they like it!
(Comment Replies Disabled)
Peaceful ParadoxRating: ( Author)
said this on
18 Sep 2010 8:12:57 PM PDT
This is totally immoral what the insurance company did. Suppose a person has celiac and is currently covered by insurance provided by his/her employer. What happens if the person loses his/her job? They may not be able to get coverage because of "pre-existing condition" -- at least until the Obama health care reform act goes into effect (expected in 2014).
If possible, sign up for insurance prior to being tested for celiac. It is harder to get insurance after being diagnosed with celiac.
(Comment Replies Disabled)
In Celiac.com's Forum Now:
This article, and the comments below, may be helpful: https://www.celiac.com/articles/21721/1/How-Celiacs-can-Deal-with-Accidental-Gluten-Ingestion/Page1.html
Long ignored and dismissed as unscientific and crude, are intestinal worms destined to be the future of autoimmune disease treatments? Hookworms. Intestinal parasites. They sound gross. The thought of having one's gut infected with a parasitic worm generally makes people's skin crawl. Indeed, in...
well, we're in sort of similar positions but can l ask what made you go gluten-free 3 years ago? You've kept the diet for quite some time so where the health problems serious? at the time was seeking testing not an option? For myself, l absolutely tried everything to gain weight ...
I can not add anything else, but I hope you feel better fast!
Welcome! I am so sorry that you are dealing with this. With all your testing was active celiac disease ruled out? Did they check for UC or Crohn's? Flies? I am on the West Coast. The wind is usually too steady for any insect to hang around at the beach, but I recall getting attacked by...


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Many IT departments want to undertake Green IT initiatives, but don't know where to start. Use this research note to begin by understanding Green IT as an umbrella term, with many initiatives falling underneath. Next, learn the difference between victory projects, which IT can complete autonomously, and leadership projects, which require business collaboration but often result in greater cost savings and environmental benefit.
Then, craft and execute a Green IT Action Plan by learning to:
- Set the IT department's goals, timelines, and major projects, taking organizational realities into account.
- Baseline energy and consumables use for the IT assets affected by projects.
- Execute and measure the results of initial projects which can demonstrate success and quantifiable impact to the business.
- Market IT efforts to the senior management, and build business cases for leadership projects that require unified management, cross-department buy-in, and aligned monetary incentives.
The environmental benefits and cost savings that result from initial projects will help prove that more extensive projects are both feasible and necessary.


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Six persons died on the spot yesterday when a Mercedes Sprinter bus burst its tyre and somersaulted several times at Sege on the Tema-Aflao road.
Many other passengers sustained various degrees of injury in the accident that occurred about 1:30 p.m.
The Hohoe-bound bus, with registration number VR 5044-14, was travelling from Madina when the accident occurred. Police account
The Ada District Police Commander, Chief Superintendent of Police Mr Hlordzi Dodzi, who confirmed the tragedy to the Daily Graphic in a telephone interview, said the bodies which were yet to be identified had been deposited at the Ada District Hospital morgue.
He said the injured, who are also yet to be identified, were receiving treatment at the same hospital.
According to Mr Dodzi, the bus burst a tyre at Sege, resulting in it somersaulting and eventually landing on its side.
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Trade deadline day: Rays to get reliever Qualls
UPDATE, 3:33: Rays are still exploring several options but at this point it's very unlikely they will make a deal by 4 p.m. - not for Adam Dunn or Luke Scott or any other. Yankees, meanwhile, are on verge of another, reportedly set to acquire RHP Kerry Wood.
UPDATE, 2:33: There are plenty of rumors flying across the Internet, however, with talk the Rays are - in light of the Balfour injury - looking for more relief help, such as Toronto's highly-priced Scott Downs and Seattle's Brandon League, and are also talking to the Orioles, which could involve Will Ohman, or Luke Scott (though probably not Ty Wigginton) or any one of a few others who may be dumped there.
UPDATE, 2:31: All quiet at the Trop right now, though there is official word from the Yankees that the Lance Berkman trade is completed, and he is expected to be here tonight, along with new teammate Austin Kearns.
UPDATE, 10:54: And almost on cue, Qualls trade is now official - he will be in uniform tonight at the Trop, a corresponding move will be announced later today.
Here's some of what the Rays do like about Qualls, from the official press release:
The seven-year veteran has compiled a 30-26 record, 3.75 ERA and 51 saves with the Houston Astros (2004-07) and Diamondbacks (2008-10). Among all major league relievers since 2005, his 408 appearances rank second to Bob Howry (414) and his 414.2 innings pitched rank third after Arizona's Aaron Heilman (435.1) and Minnesota's Matt Guerrier (423.2).
UPDATE, 10:49: Nothing from the Rays yet on Qualls or how he fits, but in a related note, according to ESPN's Buster Olney, both new Yankees - Lance Berkman and Austin Kearns, are expected to be in uniform for tonight's game at the Trop.
UPDATE, 9:15: The Rays are going to get Qualls, with the deal expected to be announced later this morning. Still sorting out how this will fit in a bullpen that has overall been pretty good.
DEVELOPING: There is going to be a lot of talk leading up to today's 4 p.m. deadline deal, but we start with some apparent action:
According to the Diamondbacks' web site - and with no comfirmation yet from the Rays - the Rays are "on the verge" of acquiring RHP Chad Qualls, who began the season as Arizona's closer and has posted some brutal numbers, 1-4 with an 8.51 ERA, .370 opponents average and .421 on-base percentage. The 31-year-old righthander has 12 saves this season, and did have 24 last season.
Qualls is due about $1.6-million the remainder of this season (of his $4.185-million salary), with the Rays reportedly picking up the money and sending Arizona, which is in fire sale mode, a player to be named. Qualls could be a replacement for middle/long reliever Lance Cormier or Andy Sonnanstine.
Qualls does offer the benefit of postseason experience with the 2004-05 Astros.


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Printed letters, Sept. 6, 2011
At first glance, Kelly Johnson's Aug. 31 letter to the editor about the upcoming ballot question to override the District 51 mill levy and increase financial support of the school district seems fairly reasonable. But on reflection, some facts not in this letter deserve the attention of voters.
The national average per-pupil funding is currently close to $10,000 per student, per year. Colorado is expected to fund at about $7,000 per pupil next year. (Colorado places in the bottom 10 states consistently on spending per pupil.) District 51 projects funding for 2011-2012 to be about $6,100 per pupil, placing it in the bottom ranks for Colorado districts. These numbers illustrate that this district has not been lavishing funds on its students and the suggestions Johnson made will in no way address the shortfalls.
The above statistics came out of an excellent document written by Jeff Kirtland in his capacity of director of communications for the district. That same document goes on to itemize the cuts already made, including days of work reductions (which are actually pay cuts), declined pay increases, 83 teachers and 70 administrative positions being cut over the past two years, and concessions from the teachers union regarding eliminating pay increases, experience increases and post-graduate-education increases.
As the election gets closer a lot of information will be brought forth but in the meantime, I hope voters will keep an open mind on this issue and look at the facts. District 51 needs this funding.
Grand Junction
Green energy proving to be unsustainable
The Daily Sentinel is to be congratulated for providing some real news that may be omitted by the mainstream media. I refer to the Sept. 1 article describing the failure of a California solar-panel manufacturer that was touted by the Obama administration to become the "poster child for government investment in green technology."
Solyndra LLC of Fremont, Calif., is filing for bankruptcy and laying off 1,000 workers after receiving a half billion-dollar federal stimulus loan.
Back in May 2010, President Obama made a highly publicized photo op, motorcade visit to the company, during which he told employees that the "incredible, cutting-edge solar panels being manufactured there were testament to American ingenuity and dynamism and the fact that we continue to have the best universities in the world, the best technology in the world and most importantly, the best workers in the world."
The "bests" — ingenuity and dynamism, universities, technology and workers — to which Obama refers are true, but not because of government- sponsored failed programs. We are "best" because of a private enterprise system that creates positive results by allowing for creativity through individual investment, productive effort and intelligent risk management.
Will more green technology stimulus investments be part of his much publicized job plan that now has become a priority following his vacation?
The myth regarding overtaxed corporations
There is an often-repeated myth about excessive corporate taxation in the United States. The truth is that 25 of the top 100 U.S. corporations pay their CEOs more annually than they pay in U.S. federal taxes.
Included in this list of corporations are Ford, GE, Verizon and Prudential. Some corporations also spend more on lobbying and political contributions yearly than they pay in federal taxes. Some pay zero taxes and others actually receive huge federal tax refunds.
This is in an economic environment where, as a percent of GDP, corporate profits are at unprecedented levels and worker compensation is at a 55-year low.
Despite assertions by many, low corporate tax rates during the last decade did not translate into more domestic jobs. When the disparity between the rich and the poor is huge, it is difficult to hear political candidates voice strenuous opposition to social safety net programs for America's poor and middle class.
Grand Junction


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GBPUSD and USDCAD Intraday: Elliott Wave Analysis
USDCAD has turned down yesterday from our highlighted resistance area; 1.0970-1.1000 that was our projected zone for a wave v) in (iii). A decline from that high was strong in a short period of time, refereed as impulse, so we know that this leg is part of a larger incomplete downtrend. We anticipate a three wave set-back in wave (iv) before uptrend may continue again. Ideally wave (iv) will be looking for a support around 1.0880 at the start of next week. In the next sessions pair may find some seller around 1.0940/1.0950.
USDCAD 1h Elliott Wave Analysis
GBPUSD lost some value in the last few hours, but real breakout is still pending. we see a triangle in fourth wave, maybe already finished. Keep an eye on that 1.6819 level that could open door for a new low. On the upside 1.6890 should hold, otherwise that's not a triangle.
GBPUSD 1h Elliott Wave Analysis
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