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Few readers of this column were alive before the 1914 creation of the Federal Reserve Bank. In the three and a half decades preceding that event, the purchasing power of the dollar had actually increased. Since the Fed started minding the store, though, it has been an almost non-stop ride to a greater than 95% decline in the value of America's currency.
The Great Depression of the 1930s briefly triggered some deflationary action. President Roosevelt made sure that didn't continue when he abandoned the gold standard in 1933. Executive Order #6102, A.K.A. the Gold Confiscation Act, made it illegal for normal citizens to hold gold.
President Nixon closed the door on silver and gold-backed currency in 1971. Dollar bills stopped carrying the label "silver certificates" and started bearing the term "Federal Reserve Notes."
Why does our Federal Reserve Bank want inflation when it destroys the true value of the U.S. dollar? Inflation benefits debtors. They can pay back borrowed money with lower-valued paper. Who is the largest debtor in the history of the world? Our government is, with almost $17 trillion in debt plus incalculable trillions in unfunded promises for Social Security, Medicare and pension obligations.
The officially remaining buying power of those pre-Fed dollars is overstated. After the double-digit inflation of the late 1970s – early 1980s our Bureau of Labor Statistics (BLS) changed the rules used in calculating the Consumer Price Index (CPI).
These changes worked to lower the reported inflation rate. Hoodwinked citizens sometimes actually feel better being lied to. Politicians smile as they save billions in cost of living adjustments (COLA) that would otherwise have been due to workers and retirees.
What does all this mean for investors today?
Most obviously, don't buy or hold TIPS, the Treasury Department's version of inflation-protected bonds. The interest rates earned on these key off the less-than-trustworthy CPI data, always skewed to understate true inflation. TIPS have failed to accomplish their stated goal. TIPS' ability to offset loss of purchasing power is an illusion.
Cash remains a necessary evil. We need it to pay bills and taxes. There is no suitable substitute except for barter. Keep one to two years of money liquid simply to deal with day-to-day requirements even though it will gradually lose purchasing power.
Inflation favors borrowers at the expense of savers. Bernanke's Zero Interest Rate Policies (ZIRP) and his push for higher prices have removed any chance to profit from delayed consumption. Bank CDs and fixed income bonds are virtually guaranteed to be huge losers over the long term when measured in future buying power.
History tells us that the only real hope to preserve wealth will come from owning real, income-producing assets. That would includes rental real estate and profitable businesses that have the pricing power to pass along the effects of a weakening currency.
Unless you personally own a company that meets this standard, stocks represent the best way to play. Equities are liquid, often pay dividends and can adjust to future conditions. No matter what befalls our nation people will still need to get up, go to work, eat, seek shelter and even be entertained.
Present-day Japan gives us a clue to what happens when government officials set out to undermine their own currency. Last November's election was won on exactly that platform. Over the 12-months through mid-July Japanese savers saw the Yen drop by 21.07% against the dollar and most other currencies. Everything imported into Japan now costs much more.
Smart savers got their money out of Yen and into stocks, which could be marked up as the fiat-based currency was marked down. Citizens couldn't stop the actions of insane politicians. They could take steps to protect their life savings.
Over that same time period the Nikkei-225 index rose more than 70%. Those who were unwilling to "take stock market risk" were hurt badly. Owners of equities are actually ahead of the game.
American equity markets have been hitting new records even as QE programs are diluting away the value of the U.S. dollar. When the SHTF for real here at home you will want to be holding appreciating assets, not fiat-based garbage.
Hold some emergency cash. Avoid any fixed income but very ultra-short term bonds or CDs. Buy stocks. Prepare for a wild ride.
See my ideas on value investing here http://marketshadows.com/value-investing
About the author:


text: Relax like a soldier in this olive drab GI-style jungle hammock. It features mesh netting and taffeta nylon construction with attached ropes and clews. The elevated shelter measures 78" x 30" x 20." It also features a coated roof and heavy cotton canvas floor to keep you dry and safe from the harsh outdoors elements. • Lightweight mesh netting • Taffeta nylon construction • Attached ropes & clews • Coated roof & canvas floor • 78" x 30" x 20" overall

subset: commoncrawl


text:
"This makes a wonderful quick meal that takes only minutes to put together, the sauce amounts listed is enough for 2-3 ham slices, you may double or triple for more slices --- I have even made this using grape jelly in place of the cranberry sauce, if desired you may brown the ham slices on both sides before adding to the sauce, this is *very* good! :)"
Quick and Easy Skillet Ham Slices With Cranberry-Ginger Sauce
3 recipe photos
READY IN:12mins
Ingredients Nutrition
- 1 1⁄2 tablespoons butter
- 1 (14 ounce) canwhole cranberry sauce (can use jellied cranberry sauce but the whole is better)
- 1 -2 green onion, chopped
- 2 -3 tablespoons water
- 1 tablespoon Dijon mustard
- 2 teaspoons brown sugar
- 1⁄4 teaspoon ground ginger
- 1⁄2 teaspoon ground black pepper
- 2 slices cooked ham (can use more)
- In a skillet melt the butter over medium heat.
- Add in whole cranberry sauce, green onions, water, mustard, brown sugar, ginger and black pepper; bring to a boil, mixing constantly then simmer about 3 minutes.
- Adjust the ginger, brown sugar and pepper to taste if desired.
- Add in the ham slices and cook for 3-4 minutes.
- Delicious!


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By Soni Daniel, Regional Editor, North
Indications emerged, yesterday, that the Presidency had positioned its foot soldiers to expose the roles played by the leadership of the National Assembly, NASS, in padding the budget to the tune of N63 billion should the lawmakers insist on not backing down on some of the issues raised by them when they met on Wednesday night at the Villa.
Vanguard learnt from reliable sources, who attended the Wednesday meeting, that the Presidency was emboldened to stand its grounds when some lawmakers present could not defend the inflated cost of most of the projects inserted into the budget by them for their constituencies and could not also tell the President why they paid so much attention to respective constituencies than the nation.
Although some of the lawmakers had argued that the 30 days stipulated by the Constitution for the President to assent to the budget had not yet lapsed, perhaps out of ignorance of the position of the law, however a member of the Nigerian Inner Bar, Abubakar Malami, said that the period for signing the budget had since elapsed.
Expert says…
Malami, a Senior Advocate of Nigeria, SAN, told Vanguard that the passage of the 30 days' period does not, however, preclude the President from signing it into law. According to the legal expert, the 30 days as stipulated by the 1999 Constitution include weekends and holidays and count continuously from the first day to the end.
Malami said: "The 30-day period is continuous irrespective of holidays or weekends. However, the non-assent to the bill after the expiration of the time-frame does not in any way invalidate the budget even if it is signed many days and months after by the President.
"The only thing the law canvasses is for NASS to override the vote of the President if they can muster two thirds majority to do so. But I do not think the current NASS has the capacity to do that given the way they handled the budget," the legal expert added.
It was gathered, yesterday, that President Goodluck Jonathan has stuck to his gun not to assent to the 2013 budget as passed by the NASS because of advice by legal experts that he had not committed any infraction by withholding his assent from the controversial document.
Findings by Vanguard revealed that Jonathan, who had earlier fidgeted over the expiration of the 30-day deadline stipulated by the Constitution for the signing of the appropriation bill, became hardened when his advisers made it clear to him that withholding his assent from the document as long as the NASS refuses to shift grounds on the contentious issues, does not in any way infringe the law.
The Constitution
Under the 1999 Constitution, the President is expected to sign the appropriation bill into law within 30 days of passage by the NASS after which the lawmakers could veto him by two thirds majority of both chambers.
The 2013 budget, which was overwhelmingly passed into the law by the NASS on December 20, 2012, was eventually transmitted to President Goodluck Jonathan on January 14, 2013. The 30 days period stipulated by the constitution actually expired on January 13, 2013 without the president signing the document into law.
Several attempts by NASS, the Economic Team and the Presidency to resolve the knotty issues in the budget have proved abortive, leading to the hardening of positions by parties while the economy inches towards comatose.
Budget, IG, Maina
Only on Wednesday, the Inspector-General of Police, Abubakar Mohammed, lamented that his inability to place a ransom on the head of fleeing Pension Task Team Chairman, Abdulrasheed Maina, was due to lack of funds arising from the non-assent to the budget.
Similarly, many government ministries, departments and agencies are finding it difficult to carry out their normative functions without the approval of funds.
Meanwhile, Vanguard learnt that the President was not in a hurry to append his signature to the budget because he had discovered that NASS could not move against him having soiled their hands with spurious projects they inserted into the budget under their controversial "constituency projects" with mind-bugling sums.


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Why kale is a superstar in the veggie world
It's the vegetable that's on almost every menu these days. Yes, I'm talking about Kale.
Certified nutritionist Deborah Enos, the One-Minute Wellness Coach, says kale has a lot going for it.
It has a ton of vitamin A, vitamin C and vitamin K," Enos said. " It's also really rich in minerals and it's hard to get a really good salad that's got a high level of minerals in it."
Some people don't care for kale's tough texture and tart taste. Cooking will tone down some of the bitterness. Adding something a little acidic will make the leaves more tender.
"I'll add a little squeeze of lemon at the end or maybe put a little balsamic vinegar it, a little sprinkle of some parmesan cheese and it's fantastic," she told me.
Here's a tip for making a kale salad - remove the ribs.
"Those can be really tough and bitter and probably turn off most of your family from ever trying kale again, so really chop it up, get rid of the ribs or get baby kale," Enos said.
Like its cousin, broccoli, kale is high in vitamin K, which means if you're on a blood thinner, talk to your doctor before adding it to your diet.
More info:
How to make this good-for-you vegetable tastier


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Sunday, June 23, 2013
my girl
ph: Raya / Paper Pony
You are the girl for me, my girl, my gorgeous girl.
You are the reason I want to wake up in the mornings knowing I get to see your smile,
knowing I get to see you staring into my eyes.
You don't understand what you mean to me, I'm not sure you ever will but one day
I hope you realise that you completed me, you turned a regular guy into the man
he is today, able to stand with pride knowing that you will be by my side.
Thank you for being that girl, my girl.
All my love, forever and a day,
6 comments:
So sweet :)ReplyDelete
Carina xx
This is so adorable.ReplyDelete
I´m L..He´s T..He calls me my girl and gorgeous..everytime we woke together, he smiles, hugs me, asks how i slept and says he always sleep peaceful with me.. But we are not together anymore because i had to return my country..and is killing me how i miss him!ReplyDelete
I love this, it's so sweet.ReplyDelete
I got married in North Carolina on feb. 24th 2009 and a very big problem occurred in my Marriage seven months ago,between me and my husband.so terrible that he took the case to court for a divorce. he said that he never wanted to stay with me again,and that he didn't love me anymore.So he packed out of the house and made me and my children passed through severe pain. I tried all my possible means to get him back,after much begging,but all to no avail.and he confirmed it that he has made his decision,and he never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my husband .So i explained every thing to him,so he told me that the only way i can get my husband back,is to visit a spell caster,because it has really worked for him too.So i never believed in spell,but i had no other choice,than to follow his advice. Then he gave me the email address of the spell caster whom he firstname.lastname@example.com. So the next morning,i sent a mail to the address he gave to me,and the spell caster assured me that i will get my husband back the next day. What an amazing statement!! I never believed,so he spoke with me, and told me everything that i need to do. Then the next morning, So surprisingly, my husband who didn't call me for the past 7 months, gave me a call to inform me that he was coming back. So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of a spell caster. So, i will advice you out there if you have any problem contact Dr.Unity, I give you 100% guarantee that he will help you.. Email him at: email@example.com ,you can also call or Add him on Whats-app: +2348071622464.ReplyDelete


text:
Some days are totally nuts. This is one of them. We've got people chasing China stimulus, buying stocks like Freeport (FCX) and Vale (VALE). But we have people saying that China's so weak and the euro's weakening that they are buying Clorox (CLX), General Mills (GIS) and Kimberly-Clarke (KMB).
Suez Max daily oil tanker rates are the lowest I have ever seen them, $6,000 to $1,000. Everyone loses at those prices. But lumber is up the limit.
Natural gas is being crushed again, but it had just broken out to a new high.
All of those paradoxes are insane. Someone's going to be really wrong come Monday.
But amazingly, these alternate bets keep the averages from collapsing as nobody wants to be short anything. Think about it, the iPath DJ-UBS Copper TR Sub Index ETN (JJC) is signaling you have to short Freeport. Do you want to short that coiled spring? Oil can't rally, but if China cuts rates you want to be long all the oil and oil stocks in the world.
We are literally making bets against the spot markets all over the place -- except those who are being defensive and buying the consumer packaged goods stocks -- betting that the economy's taken another turn for the worse.
I am more inclined to go cyclical. The defensives seem to have stalled out. The numbers look cut enough to allow for some upside on any news. Europe's on vacation, so it seems a bit status quo. But the worse news out of China, the better.
Another way to look at it: we should be down huge. We aren't. The buyers are relentless,.the sellers sporadic. All in all, a positive down day.


text:
When you type on your tablet or smartphone you have likely resigned your yourself to the onscreen keyboard. Some of us go as far as to buy small Bluetooth keyboards for tablets, but now Celluon aims to change that with its new Epic.
The Epic connects to your device vie Bluetooth and projects a full-size keyboard onto a surface, such as a table or desk. you can type by touching the projected buttons and an infrared sensor picks up the location of each finger stroke. The Epic will be available sometime in the March or April time frame and is expected to be priced at $169 or very close. It will work with any Bluetooth enabled device. You can check out a full demo in the video posted below.
Interview by Jeffrey Powers of Geekazine.
Support my CES 2017 Sponsor:
30% off on New GoDaddy Orders cjcgnc30
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Podcast (specmedia): Play in new window | Download | Embed
Subscribe: Apple Podcasts | Android | Email | RSS


text:
Cake Supplies And Bakeries In Chicago
Decorating By KatrinaBroughton Updated 5 Oct 2013 , 1:20pm by kikiandkyle
AHello fellow cakers, My husband and I are in Chicago for the weekend so I'm looking for any recommendations for any 'must see' cake supply stores or any really good bakeries I should check out - you know for research ;)
We're staying downtown and plan to go out to oak park tomorrow to see the frank Lloyd wright neighbourhood.
There's a cake shop on 99th street but their Saturday hours are very limited and I can't tell you anything about their offerings because I've never been.
That's it, apart from Wilton out in the burbs but I don't know if they have a store you can just walk in to.
Chicago is very underserved for cake supplies sadly.
I can't say I know enough about bakeries in the area to point you to any, there are some of the famous cupcake chains in and around the Loop - Magnolia, Crumbs, Sprinkles etc.
Say hello to my old hometown for me and enjoy!


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Question for ingredient smart curlies!....
Now I read something that I think said that peg 8 makes things more water soluble. So does that mean if you attach it to a cone it makes it water soluble.
example: If you have Dimethicone Peg8 is it CG friendly?
PEG is short for poly(ethylene glycol) which is water-soluble. The number represents the number of repeat units (larger numbers are better). PEG-8 dimethicone should be water-soluble.
Pasting my response from another forum where this question was also posted:
PEG, polyethylene glycol, is water soluble. The number after the PEG denotes how many repeat units are in the chain (how many units of ethylene glycol). The higher the number, the better the water solubility generally speaking. So when this is reacted with the end group of a silicone and has a sufficiently high number, then the new molecule will be somewhat water soluble. This is also dependent upon the size of the silicone, so it is a ratio of both. Say, if there were 5000 repeat units of dimethylsiloxane (the building block of dimethicone) and only 8 units of PEG, I would have to guess that this would be not very water soluble. In contrast, were there 200 units of PEG and 1000 units of dimethylsiloxane, then perhaps this would be somewhat soluble.
There is no rule requiring disclosure of the size of the silicone though, so we really have lttle way of knowing, so I generally look for as high a PEG-number as possible. Of course, I also use shampoo once a week, because I think it is necessary due to so many non-water soluble or sparingly-water soluble things being in most products we use.
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"Although we are disappointed by the results of the study, the decision to close the TLN-4601 trial will allow us to focus our resources on programs with more immediate commercial potential. On behalf of Thallion, I would like to thank our clinical investigators and the patients that participated in the GBM trial," said Lloyd M. Segal, Chief Executive Officer of Thallion.
The planned interim analysis was conducted after enrolling 20 of the targeted 40 patients in the open label trial. Study results showed that only three out of seventeen evaluable patients demonstrated stable disease after two cycles (six weeks) of treatment. No stable disease was observed after four cycles of treatment. TLN-4601 was considered as generally safe and well tolerated. In the absence of any meaningful clinical response, the Study Committee recommended to the Company that the study be stopped.
Thallion intends to complete a full analysis of the data package prior to making a decision on the next steps for the TLN-4601 program, including its partnership potential.
In the Phase II trial, TLN-4601 was continuously administered intravenously at a dosage level of 480 mg/m2/day over 14 days, followed by 7 days off treatment (three-week cycles). The primary endpoint of the open label trial was six-month progression free survival, with secondary endpoints including tumour response, progression-free survival at 12 months, as well as overall survival.
About TLN-4601
TLN-4601 is a novel small molecule derived from a nonpathogenic microorganism. It was discovered using DECIPHER?, Thallion's proprietary genomics-based drug discovery platform. TLN-4601 has demonstrated broad in vitro cytotoxic activity across a diverse panel of tumor cell lines and in vivo efficacy in a number of xenograft tumor models. Phase I clinical testing showed the compound to be safe and well tolerated, with early signs of anti-tumor activity. TLN-4601 was being evaluated in a Phase II glioblastoma multiforme (GBM) clinical study based on its proposed mechanism of action and preclinical animal data demonstrating that the compound crosses the blood brain barrier and appears to preferentially accumulate within brain tumors.
About Thallion Pharmaceuticals Inc.
Thallion Pharmaceuticals Inc. (TSX:TLN - News) is a biotechnology company developing pharmaceutical products in the areas of oncology and infectious disease. The Company's clinical programs include Shigamabs? and TLN-4601, a novel anti-cancer therapy. Shigamabs? is a dual antibody product for the treatment of Shiga toxin producing E. coli bacterial infections which is ready to begin a Phase II clinical program upon the completion of a development partnership. Additional information about Thallion can be obtained at www.thallion.com.
Forward-Looking Statements
This press release contains certain forward-looking statements, including, without limitation, statements containing the words "believe", "may", "plan", "will", "estimate", "continue", "anticipate", "intend", "expect" and other similar expressions which constitute "forward-looking information" within the meaning of applicable Canadian securities laws. Forward-looking statements reflect Thallion's current expectation and assumptions, and are subject to a number of risks and uncertainties that could cause actual results to differ materially from those anticipated. These forward-looking statements involve risks and uncertainties including, but not limited to, changing market conditions, the successful and timely completion of clinical studies, the establishment of corporate alliances, the impact of competitive products and pricing, new product development, uncertainties related to the regulatory approval process and other risks detailed from time-to-time in Thallion's ongoing filings with the Canadian securities regulatory authorities which filings can be found at www.sedar.com. Given these risks and uncertainties, readers are cautioned not to place undue reliance on such forward-looking statements. Thallion undertakes no obligation to publicly update or revise any forward-looking statements either as a result of new information, future events or otherwise, except as required by applicable Canadian securities laws.
Thallion Pharmaceuticals Inc.
Michael Singer
Chief Financial Officer
Investor Relations
The Equicom Group Inc.
Ross Marshall
416-815-0700 (Ext. 238)


text:
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CHRONOGRAPHS Release Video For 'Opticks'
December 14, 2012, 4 years ago
UK technical metallers CHRONOGRAPHS, have released new video for the rack 'Opticks'. Watch the video below:
'Opticks' comes off the band's upcoming EP Nausea, which will be released on January 7th via Ghost Music.
Fusing huge choruses with frenetic tech-metal, hardcore abrasion and a progressive sensibility, Chronographs display technical proficiency and a song writing prowess that belies their average age of just 20.The band hit the scene in 2010 with the online release of free EP, The Outhouse Sessions, creating a huge online buzz and demand for the live show, quickly prompting a string of headline shows around the UK, and a nationwide tour as main support for Mediaskare's HERO IN ERROR.
Following their initial wave of underground success, the band set out to write a new record with the intent of further raising the bar in terms of song writing and technicality, and the resulting Nausea EP, has exceed all expectations. Boasting five tracks of raw aggression, fresh, bandwagon-dodging riffery and glorious refrains, this EP is the soundtrack of a band with a burning desire to breathe fresh life into the metal scene and a great taster of things to come.
'Veritas '
'Nausea '
More on Chronographs at this location.


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Adolescent Curriculum-Based Social Skills Group
The Speech Garden Institute, Inc.
Tuesday, November 1, 2011 at 4:15 PM - Tuesday, December 13, 2011 at 5:15 PM (EDT)
Event Details
Adolescent Social Skills Class Synopsis
1. Our program is designed to increase your child's social-cognitive skills in the classroom and the community. As a curriculum and community oriented class, we will use a combination of general education topics and social skills training to help make each student a competent communicator. The goal is to help each child improve self confidence and become a more effective communicator.
The teaching concepts will include:
· "Learning how to learn" through the use of structured teaching, multisensory learning, strategies, modeling, role playing, and coaching.
· Community service in schools, social media, music, movies, games, and books.
· Reducing group barriers
· Socially appropriate activities for age and ability levels
· Active learning in a safe environment
· Curriculums covered: math, science, social studies, and language arts
3. Students will:
1. Learn direct social/communication strategies
2. Learn why social skills and communication are important
3. Practice new strategies in a safe environment
4. Use new strategies with the help of daily reminders...that right I said daily...Did I mention daily?
5. Did I mention have fun?
Program Objectives
•A positive, curriculum, and community oriented program for students and families impacted by language, communication, and/or sensory difficulties
•Therapy process designed to improve each child's communication abilities toward age-appropriate levels
•Educational support to provide literacy, academic, and social concepts to promote academic and community success
•Provide education about and support for learning and sensory needs to support school and at home
Our Ultimate Goal.....
To help each student become a competent communicator in his/her school, community, and home.
What are the details?
Classes will meet in the main office of Mint Hill Middle School on Tuesdays at 4:15. Classes will be November 1, 8 and December 6 & 13. Once registered, you will receive a confirmation email.
What will the class schedule look like? So glad you asked. Here is an example:
October 2011
Oct. 4, 2011
Pretest -Baseline
Review daily agenda
Topics we cover – Language Arts, Social Studies, Science, Math
Journal Activity for preferred Games, Movies, Books, and Music.
Oct. 11, 2011
Teach Social Skill Strategy
Model and role play in school
Video Game of the Month - Related to Math Concepts
Oct. 18, 2011
Teach Social Skill Strategy
Model and role play in school
Community Service in School - Related to Science Concepts
Oct. 25, 2011
Teach Social Skill Strategy
Model and role play in school
Book of the Month - Related to LA concepts
Content of Media: Social Networking, Games, Music, Movies, and Books.
Each class will have time devoted to one form of media that is interesting to them. It is our goal to teach appropriate and safe social skills to each student in natural environments so please understand that this time will be used to generalize/practice skills taught earlier in the day, week, and month. This time will allow for many teachable moments to help students practice appropriate communication.
Please communicate with other parents and the SLP teaching your class if the content of the media is a concern. The SLP teaching your class will send a newsletter with future topics from social media, games, music, movies, and books to prevent any complications. He or she will use good judgment when presenting material to adolescent children.
Staff, Ratios & Class Caps
Each class is taught by a certified SLP- and only the best will do! The class will cap at 10 students per class. An extra class may be opened if registration exceeds the cap.
Contact the teaching speech-language pathologist, Tracy Ball at email@example.com.
When & Where
Mint Hill Middle School
11501 Idlewild Road
Tuesday, November 1, 2011 at 4:15 PM - Tuesday, December 13, 2011 at 5:15 PM (EDT)
Add to my calendar
The Speech Garden Institute, Inc.
Creating competent communicators


text:
Weight + Tummy Tuck Q&A
How Much Weight Can I Lose from Tummy Tuck Surgery?
How much weight (in loose skin/tissue) will I lose from a tummy tuck? READ MORE
Who Should Consider a Tummy Tuck?
How do I know if a tummy tuck is a good option for me? READ MORE
Tummy Tuck to Remove Stretch Marks Above Belly Button?
I'm 23 and I have stretch marks from my lower abdomen up to my breasts from being overweight. Will a Tummy tuck get rid of the upper abdomen stretch... READ MORE
Can I Exercise 6 Weeks After Tummy Tuck?
I Will Be 6 Weeks Post Op (FTT, Lipo of the Flanks, BA, BL) Next Week What Excercise Are Recommended? I use to go to the gym 5-6 times a week &... READ MORE
How to Lose Weight After Tummy Tuck?
I love my new look but had recently put on 10lbs since my surgery 9 mts ago. What exercise and diet should I do and be on to lose the 10lbs. I look... READ MORE
How Much Should You Weigh to Qualify for a Tummy Tuck?
How Much Should You Weigh to Qualify for a Tummy Tuck? READ MORE
Thermage or Tummy Tuck After Weight Loss?
I am 30 years old, 5'2" tall and lost approx 65 lbs 5 years ago. I work out five times a week and eat healthy. I don't have children so I don't... READ MORE
Should I Loose Weight Before Tummy Tuck?
In 6 months, I'm having a Tummy Tuck. Is it adviceable to loose extra weight now? However, I can only loose about 5kg. because after that, my... READ MORE
Should I Wait to Lose 10lbs Before Having Tummy Tuck?
I am scheduled to have a Tummy Tuck in about one month. I still have roughly 10 lbs to lose (5'7", 150 lbs). Should I reschedule surgery to a... READ MORE
Is Tummy Tuck Without Muscle Repair Possible for Weight Loss Patients?
I've lost over 100 lbs. and want to get rid of this extra skin. I also want children. I've read about women who've gotten pregnant after a... READ MORE
Do Plastic Surgeons Tailor Tummy Tuck for Patient's Specific Needs?
I am 35 years old and gave birth to my last child in March 2009 (3rd birth/c-section). I am 5'4" and about 160 lbs. And while I work out... READ MORE
Will I Have Good Tummy Tuck Results if Not at Desired Weight?
I am 30 yr old female 5ft 2 in. 150lbs. I have had 2 c-section and have severe seperation in my abdominal muscles. I have a scheduled abdominoplasty... READ MORE
Tummy Tuck While Losing Weight?
I'm 5"2" and 209lbs. I have lost about 20 pounds and I will continue losing more. I have a personal trainer and am working to get the... READ MORE
How Much Should I Weigh if I Want 1500cc's - 2000ccs in Each Cheek Butt Augmentation Bbl Tummy Tuck Lipo Fat Grafting? (photo)
I am seriously considering a tummy tuck or a lipo but I am very interested in a BBL. I am 5'1 170 pounds. I am interested in having 1500cc - 2000cc in... READ MORE
Diastasis Repair with Liposuction but No Tummy Tuck?
I'm considering Tummy Tuck but I've had much anxiety over the full procedure. I'm app 10 lbs from my pre-baby weight and I've had two cesareans, the... READ MORE
Ideal Weight for a Tummy Tuck for Patient with Thyroid Issues?
I gained 80 lbs in 28 weeks of pregnancy due to HELLP syndrome and renal failure. I have stretch marks and loose skin everywhere. I have had weight... READ MORE
Is Weight a Factor in Tummy Tuck Cost?
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Will I Get Attractive Results? 5'5 and weigh 185
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Latest Stories
New Animorph: Know The Secret Screens0 Comments
April 3, 2000
Animorphs0 Comments
May 13, 1999
Help us solve the toughest (or most puzzling) game puzzles and challenges.
Our attempt to answer issues which most commonly occur on IGN's wikis.
About This Game
- Summary
- Specifications
- Features
- Game Editions
These aren't your average teenagers, folks. When these five youths come into physical contact with animals, they become the animals they're touching! Based on the popular animated series and line of action figures, ANIMORPHS is a 3D adventure for the younger set. Packed with puzzles, the game boasts amazing graphics and character animations, intense combat (no blood, of course), tons of adventures, and 20 different animals to morph into. Each beast is graced with unique powers so morph wisely.
- Minimum Requirements
- Supported Functions
- Number Of Players: 1
- Memory Card
- Five playable characters; 20 animals to morph into; 3D graphics; tons of puzzles; one-player action.
Animorphs: Know the SecretPublisher: GT InteractiveRelease Date: July 21, 2000


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Comcast Somerville TN
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When you choose Comcast XFINITY, you can enjoy super speed internet for the most reasonable prices. You'll get more and it will actually cost you less. You can share music and photos in a blink of an eye, run multiple devices at the same time, and download full length HD movies in minutes for the same price other providers charge for half the speed. If you order now, you can experience lightning fast broadband for the basic internet speed price of only $29.99 per month.
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You can save a lot of money by choosing Digital Voice. More reliable than the competition, with top rated call clarity and unlimited calling, staying connected to your loved ones has never been easier. Comcast Cable gives their digital voice subscribers the freedom they need with unlimited calling and a flat monthly rate. For a limited time only, you can experience the most complete home phone service for the special price of $29.99 per month if you order today.
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Skirt Richmond made me their "He's So Original" dude for January 2009! Part of the honor is having your photo taken wearing a skirt...
See a larger image and read the article HERE.
Skirt Richmond
January 2009
Wednesday, January 7, 2009
Skull-A-Day Press: Skirt Richmond
2 comments:
- WB said...
People would say that a guy needs to be secure in their masculinity to wear a skirt, but i imagine the comfort factor is sufficient. And no, a guy doesn't need to be playing a bagpipe. I know, it's not a skirt, it's a kilt......but you have to admit, it does look like a skirt.
sorry, I'm bored here at work.
- January 9, 2009 at 8:50 AM
- Karen said...
You look very fetching indeed, Noah.
- January 12, 2009 at 3:25 PM
Subscribe to: Post Comments (Atom)


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HIROSHIMA (FIBA World Championship) - Spain proved their status as one of the favourites of the 2006 FIBA World Championship as they brushed aside New Zealand 86-70 as Jorge Garbajosa, Pau Gasol and Juan Carlos Navarro each had 16 points.
Alex Mumbru added 12 off the bench for the winners, while Kirk Penney led New Zealand with 15 points in a losing cause.
"We were a bit nervous to start the game, but we picked it up after a while," said Mumbru, who played 19 minutes in the blowout.
Craig Bradshaw added 12 points, Paul Henare 11 and Casey Frank 10 points for the Tall Blacks.
New Zealand started the game without starting point guard Mark Dickel, who was suspended by the world governing body FIBA earlier in the day for the first three games of the tournament after testing positive for cannabis.
The Tall Blacks found themselves without their both starting guards just 34 seconds into the game as Penney was charged with his second foul. Penney picked up his third foul with 1:46 left in the first quarter. Still, New Zealand was down only 25-21 after 10 minutes.
They were still down only 36-35 midway through the second quarter, but Pepu Hernandez's team used a 12-1 run to close out the first half with a 48-36 lead.
New Zealand's foul troubles continued as Penney, Pero Cameron and Phill Jones all picked up their fourth fouls in the final five minutes of the third quarter. That allowed Spain to go on a 13-2 run to close the period ahead 68-48.
New Zealand could not make a comeback against the Spanish bench as Cameron and Jones both fouled out in the final period.
"It was pretty obvious today we were not as good a basketball team as Spain was," New Zealand coach Tab Baldwin said.
"We struggled with Pau Gasol. tehy did a good job finding the right people good shots."
Baldwin also made it clear he wasn't happy with the officiating, calling it "pretty skewed".
"I'm tired of seeing basketball players flop around the basketball courts of this world.
I think they need to stand on their own two feet," said the Tall Blacks coach, whose team was whistled for 29 fouls compared to 16 against Spain.
"I actually thought it would be a tighter game. I expected more pressure from them," Gasol said. "But this team (Spain) is tough to beat. People really have to bring their A game to beat us."
Spain next face Panama on Sunday while New Zealand another tough test against Germany.
By DAVID HEIN
Exclusively for FIBA
Best young players voting
Who you think will be the next international superstar
View here
Experts blog
Cindy Garcia's latest blog
One World, One Title


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hi guys... as my tittle says....after installing windows 7 on my pc, my other partitions went missing..
i tried going to the disk management interface and my other drives are not there..
fyi, i installed the windows 7 in my c drive over my xp. this is because my xp was having problems and i was planning to reformat anyway.. so i thought
y not give windows 7 a try..
anyway... hope i can get some help soon !
thanks in advance
How-To Geek Forums / Windows 7
Disk partition missing after installing windows 7..(7 posts)
hi guys... as my tittle says....after installing windows 7 on my pc, my other partitions went missing..
adrianloo, hello. Which version of Windows 7 did you install (RC or RTM)?
How many and what kind of partitions did you have before? In Disk Management, what do you see where the missing partitions used to be? A screenshot of the Disk Management window would be very helpful.
i installed windows 7 RC.. not too sure wat kind of partition i did..and wat the sizes was..
i had 4 partitions... 1 is the main drive which is the C drive... and 3 more for misc stuff..
here is the screenshot below...
Disk Management shows only one hard drive of 71.77GB and all of it is allocated to a single C partition.
What is missing? Another drive or some extra partitions on this drive?
If the drive is missing from Disk Management, then Windows can't "see" it. You should check in the BIOS to see if the other drive is there. If not, then check the connections for the drives to see that they are getting power, are properly connected to the motherboard, and any jumpers are set properly.
ok.. will do that 2moro after class.. will let ya know how things turn out...
Topic Closed
This topic has been closed to new replies.


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Paul Solosi Jr.
: born August 11, 1907 in Painesville Lake Co., OH; died August 12, 1998
Parents: Paul Solosi (Szollosi) and Mary Horvath
Spouse: Ann (Yatchso) (Jaco) Solosi: born June 16, 1910 in Pittsburgh, Pennsylvania. Married June 4, 1929, in Fairport Harbor, OH. Died April 24, 1996
Children: Living
Donna Long
Back to Lake Co. Family Registry


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Big business needs to take every measure possible to improve the rapidly deteriorating employment conditions, and work-sharing is an option that should be considered, Japan Business Federation (Nippon Keidanren) Chairman Fujio Mitarai said Tuesday.
Also, the government and the private sector should work together to create a safety net for people who lose their jobs, Mitarai said at a news conference.
"To solve the current labor problems, the corporate sector should create a safety net together with the government and take every step to expand employment," the head of the country's most influential business lobby said.
"The idea of work-sharing is one option for a company that needs to adjust employment," he said.
The concept of work-sharing, where responsibility for one job is shared with one or more part-time workers, is a familiar one in Europe. Few Japanese companies have tried it.
As for the hundreds of jobless people — many of them laid-off temp workers — who spent the New Year's holidays camped out in Hibiya Park in Tokyo, Mitarai said: "I am very sorry and personally feel sympathy with them."
He said their plight was a result of job adjustments carried out by companies that were suddenly forced to cut production because of the global economic downturn.
On the economic outlook for 2009, Mitarai said it will be extremely harsh. He said he expects the benchmark Nikkei 225 stock average to slip to as low as 6,000 by the end of the year. The Nikkei closed at 9,080.84 Tuesday.
At the same time, the world economy has the potential for strong growth, considering the strength of emerging economies, possibilities for market expansion and potential growth of new businesses resulting from technological innovation, Mitarai said.
At a separate gathering Tuesday, business leaders of top companies called for speedy measures to stem the economic downturn, saying it could be longer and more devastating than previous economic cycles.


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Video Workshop Series: Creating Video Content for Blended and Online Courses.
CTEL Learning Designers Pieter Tryzelaar and Rucha Modak will lead a four-part series of workshops on creating video content for blended and online courses.
Workshop details are listed below. Dates are available in March and April, on the Portland campus.
- Panopto - Friday 3/7
- Creating Screencasts Using Camtasia & Screencast-O-Matic - Friday 3/14
- Using Wacom Tablets to Create Khan Academy-Style Instructional Videos - Friday 3/21
- Creating Video Content in the "Vault" - USM's Multimedia Recording Studio - Friday 4/11
- Workshop Resources
Panopto is a software that is designed to capture, edit, stream, and share recorded lectures and presentations. It allows for multiple feeds to all be recorded at once, including audio, video, webcams, screencasts, and PowerPoint presentations. These feeds are then combined into a single, interactive viewing platform, where the viewer can not only select between which feed to watch, they are also able to take notes and search for content within the videos using speech recognition technology. These recordings can then be embedded directly into Blackboard course using the Panopto building block. This workshop will demonstrate how Panopto works. In addition, Panopto offers free access to their monthly training webinars: To register: support.panopto.com/webinars
3/4/2014 | 12:00-1:00 pm | 521 Glickman | USM Portland Campus
Creating Screencasts Using Camtasia and Screencast-O-Matic
Screencasts allow you to record your computer screen while simultaneously recording using your webcam. Screencasts are a great tool for creating tutorials and recording narrated slide presentations. This workshop is focused on how to create simple screencasts using Camtasia and Screencast-O-Matic. Camtasia is available for purchase at the Campus Computer Store in Luther Bonney.
3/13/2014 | 12:00-1:00 pm | 521 Glickman | USM Portland Campus
Using Wacom Tablets to Create Khan Academy-Style Instructional Videos
Wacom Tablets allow instructors to create digital handwritten instructions and notes. Combined with free graphics editors and screen-recording software, these tablets can be used to create Khan Academy-style instructional videos. These tablets can also be utilized in virtual tutoring sessions using Adobe Connect, Google Hangouts, or Skype. This workshop will demonstrate how to use Wacom Intuos Pro Tablets (using both Macs and PCs) to create Khan Academy-style instructional videos.
3/18/2014 | 12:00-1:00 pm | 521 Glickman | USM Portland Campus
Creating Video Content in the "Vault" - USM's Multimedia Recording Studio
This workshop will introduce several methods for recording video content using the "Vault" recording studio. It will cover the following topics: using the HD camcorder, setting up the studio lights, making simple screencasts, and integrating videos in Blackboard. Due to space restrictions of the vault, this workshop is capped at 6 participants.
4/11/2014 | 12:00-1:00 pm | 521 Glickman | USM Portland Campus
Located in the Learning Commons on the 2nd floor of Glickman Library, "The Vault" serves as a small media production studio for faculty. The room contains a computer workstation equipped basic media production tools and software for faculty to record and edit digital projects- including screencasts, whiteboard video lectures, podcasts, or Khan-Academy style instructional videos.
Faculty who wish to schedule an appointment can contact Rucha Modak (email@example.com) or Pieter Tryzelaar (firstname.lastname@example.com).
Learn more about the vault: https://usm.maine.edu/ctel/march14#vault
Workshop Resources:
How to Record Webcam Using Youtube
How to Embed Youtube Videos in Blackboard
How to Use Windows Live Movie Maker (playlist)
Misc Resources:
Free Video/File Conversion Application : http://www.zamzar.com/
Create YouTube Clips: http://www.tubechop.com/
Opensource music: http://creativecommons.org/legalmusicforvideos
Video and Fair Use Guidelines: http://www.brown.edu/Administration/Copyright/media.html


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The Texas Supreme Court today dismissed Nestle USA's challenge to Texas' franchise tax, a revenue source that's been in place in one form or another since 1893. The 7-2 majority decision in In Re Nestle USA notes that the Texas Legislature has restructured the franchise tax several times, drawing various distinctions among taxpayers with adjustments, deductions and exemptions that have become elaborate.
Nestle challenged the franchise tax, arguing that the taxation that's now in place bears no reasonable relationship to its object: the value of the privilege of doing business in Texas, according to the opinion. The company also argued that the tax violates the Texas Constitution's mandate that taxation shall be equal and uniform, as well as the due process guaranteed by the U.S. Constitution's 14th Amendment, the opinion notes.
The high court disposed of the case through a petition for mandamus. "We conclude that the petitioner's challenges are without merit," wrote Justice Nathan Hecht in the majority opinion, joined by Chief Justice Wallace Jefferson and Justices David Medina, Paul Green, Phil Johnson and Eva Guzman.
Justice Don Willett dissented in an opinion joined by Justice Debra Lehrmann because, "In my view, the Court has stretched our mandamus jurisprudence beyond its constitutional and prudential limits."
-- John Council


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It looks like you're new here. If you want to get involved, click one of these buttons!
10 team league PPR
I'm keeping Lacy, who else would you keep from these two:
With the news that Gordon is done for the year, this one just became pretty straightforward. Keep Vereen
If I was in your league,I'd advise you to keep Gordon
Yeah... this is a non starter now with Gordon out...
Please see mine if you can
I would keep Vereen over Gordon now and look to possibly draft Gordon in the later rounds of your draft for keeper/trade options later in your season (if bench spot open).
@MeanOne is on point here. Now, I'd keep Vereen and target Gordon later.


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Wainwright leads Cards to victory in Oakland.
Sun, 30 Jun 2013 02:48:46 GMT —
This time, Adam Wainwright left little doubt he should stay on the mound and keep pitching.
Mike Matheny let him go, even when things became a bit dicey in the eighth.
Wainwright tossed a five-hitter to become the NL's second 11-game winner, Matt Adams had his first two-homer game, and the St. Louis Cardinals beat the Oakland Athletics 7-1 Saturday.
Wainwright (11-5) tied Washington's Jordan Zimmerman for most wins in the NL.
He struck out eight and walked two in a 112-pitch performance for his fourth complete game this year and 15th of his career.
Wainwright appeared to have no issues Saturday after objecting to manager Mike Matheny's decision to pull him after 6 2-3 innings in a loss to Texas last Sunday.
When Wainwright got into an eighth-inning jam and gave up Josh Reddick's RBI single, Matheny stuck with him - and might have still if another batter had reached.
They would have at least had a conversation about it.
Wainwright knew how well the A's have been playing at home, and became determined to slow down the reigning AL West champions.
With his signature, moving curveball, he kept them off-balance all day.
What appeared a pitcher's duel in the making changed quickly when A's starter Jarrod Parker left in the fourth inning with tightness in his right hamstring on an unusually hot Bay Area afternoon.
Parker will be re-evaluated Sunday.
Adams hit a three-run homer to highlight a four-run sixth and a solo shot in the eighth.
Daniel Descalso broke a scoreless tie with a sacrifice fly in the fifth, and the Cardinals gave Wainwright plenty of support to take sole possession of the team lead in wins ahead of Lance Lynn's 10.
After a 1-2-3 first inning on nine pitches, Wainwright was on his way.
A's No. 9 hitter Derek Norris singled with two outs in the third for the first hit off Wainwright, who snapped a two-start skid.
Wainwright got through the seventh on seven pitches.
The right-hander faced the A's for just the second time in his career after beating Oakland on June 19, 2010, in St. Louis while allowing one earned run in eight innings.
He had a career-high five complete games in 2010, and is now one away from that.
A sold-out Coliseum crowd of 35,067 braved the hot temperatures to watch Wainwright keep the A's batters off balance.
They didn't get a three-ball count until Coco Crisp walked in the eighth as the 28th hitter of the game, Wainwright threw 21 of his pitches that inning.
While the first-pitch temperature was an A's season-high 84 degrees, Matheny is loving the lively atmosphere this series.
Parker went down after grabbing his right hamstring and stretching for several minutes with athletic trainer Nick Paparesta before throwing some warmup pitches as Jesse Chavez relieved.
Chavez (1-2), who pitched 5 2-3 scoreless innings of relief for victory in an 18-inning win against the Yankees on June 13, was done after 1 1-3 innings this time.
Carlos Beltran doubled starting the sixth, and Allen Craig followed with a single to chase Chavez.
Jerry Blevins surrendered an RBI single to Matt Holliday, then Adams' first-pitch homer that broke open the game.
Holliday faced repeated boos while in left field and at the plate from his former fans. He briefly played for the A's in 2009, all of 93 games.
NOTES: The Cardinals are sticking with rookie Shelby Miller on schedule despite his struggles....A's C John Jaso missed his seventh straight start with a cut on his left hand. ... A's C Stephen Vogt received 100-plus text messages in addition to greetings on Facebook and Twitter after his first major league hit - and home run - Friday night ended an 0-for-33 start...Umpires received water between innings. ... Wainwright is 8-5 in interleague play. ... LHP Tommy Milone looks to snap a four-start winless stretch with his first win since June 3 in Sunday's finale against St. Louis RHP Jake Westbrook.


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Well it hasn't taken long for Geneabloggers to get noticed! Last week I was interviewed by Rita Marshall, a Canadian journalist who writes for several weekly newspapers. The articles – Blogging on a Genealogy Website and How to Make a Genealogy Blog – give a good overview of what geneablogging is all about.
Currently the articles are posted on the Suite 101.com site which touts itself as "The world's most comprehensive independent online magazine: written and edited by professionals, trusted by over twelve million monthly readers."


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Concerned Citizens for Family Preservation
Folasade Campbell, Founder and Executive Director
Concerned Citizens for Family Preservation (CCFP) links parents and institutions with the goal of reunited families. It addresses the needs of families whose children have been placed in foster care. Based in Staten Island, CCFP's purpose is to prevent children in low-income working class and immigrant communities from entering the child welfare system. Many such children are taken not because they have been brutally abused, but primarily because their parents are poor. CCFP advocates for families of children in the system by helping them navigate the bureaucracy and exercise their rights. It engages in grassroots education and organizing to effect change both within families and the larger community.
CCFP conducts parenting classes. Most participants mandated to take classes by the Administration for Children Services (ACS) and foster care agencies. The organization provides support groups and workshops in stress management, personal empowerment and navigating the system. CFP also provides referrals to supportive legal, psychological and health services organizations in order to become advocates for parents in family court, assist families during ACS home investigations and advocate for families during termination of parenting right conferences.


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of Acra
Religious Societies - Book A
Original Index is located in the vault at the Greene County Courthouse. This document found on page 12. Transcribed by Arlene Goodwin.
We Daniel Sayre and Peter Halsey two of the members of the Presbyterian Church of Acre Elected by plurality of voice, to have an Election for Trustees of the said Church and Society to all to whom it may concern Do certify and make known that pursuant to an Act of the Legislature of the State New York Entitled an Act to Enable all the Religious Denominations in the State to appoint trustees Who shall be a body corporate for the purpose of taking care of the temporality of the respective congregation and for other purposes therein mentioned The male persons of full age belonging to Presbyterian Church and Society of Acre D D assemble and meet together on the fifteenth day of October in the year of our Lord One thousand and Seven hundred and ninety nine at the meeting house at which stated by attended for Divine worship For the purpose of the electing Trustees for the said Church The congregation of the said Church having been publicly notified of the time and place of such meeting previous thereto in the manner prescribed in & by the said Act And that the said male persons belonging to the said Church and Society Did then and there determine that three trustees should be appointed to take charge of the Estate and property belonging to the said church and to transact all affair Relative to the temporality of the said Church and Congregation And that the Stile of the Trustees of the said Church should be the trustees of the Presbyterian Church Society _______ or the same and title by which the said trustees shall forever her after be called distinguished and known And that there upon on the same day and year and place above mentioned and election was held for electing such trustees and Daniel Sayre Jonathan Nickerson and David Reed were by a plurality voices elected Trustees of the said Church and Society In witness whereof we have here unto set our hand and seal the Day and year first above written
Daniel Sayre LS
Peter Halsey LS
Witness to signing Peter Halsey, Uzal Cory
Be it remembered that on the twenty third Day of December in the year of our Lord One thousand seven hundred and ninety nine, Personally appeared before me Leonard Bronk one of the Judges of the Court of Common Pleas for the County of Albany the within named Daniel Sayre and Peter Halsey who severally acknowledged that they had executed the within Instrument by signing sealing and delivering the same as their voluntary Act and Deed to ____for the uses and purposes therein mentioned And Do certify that I have satisfactory evidence that the said Daniel Sayre & Peter Halsey are the same persons described in and who executed the within Instrument by the oath of Uzal Cory Esq with whom I am well acquainted who being Duly sworn Deposeth and saith that he is well acquainted with the said Daniel Sayre and Peter Halsey and know them to be such persons and I having examined said Instrument finding no erasures, interlurations or obliterations do allow the same to be recorded
Leonard Bronk
Recd and Recorded 7th June 1805. 10 A. M.
J. Bill Clk
Table of Contents
Church Records Home Page
Religious Societies Home Page


text: Mae A Location Raleigh, North Carolina, United States More about me Stay-at-home mommy of twin boys and they inspire me everyday to create something useful and fun. I love designing one of a kind stationery for all of life's big occasions. I specialize in making invitations, announcements and other items that reflect you: your colors - your themes - your tastes. All work is done by me personally, guaranteeing you the kind of direct communication and attention to detail that the bulk websites cannot provide. There are no generic templates here, there is no mass production. Classic or contemporary, elegant or electric, I will ensure that your event has the flourishes that everyone, and most importantly, you will remember. Mae Armstrong Designs also offers corporate portfolio work. Let me help you craft your business identity through logo design, print media, signage, Etsy shop marketing materials, packaging and website design layout. Please feel free to email Mae for any custom design services at email@example.com. Client Testimonials http://maearmstrongdesigns.com/about/testimonials.html


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Be free in thyself, and therefore free in thy mind, free in thy life and thy body. For the Spirit is freedom.
Be one with God and all beings; live in thyself and not in thy little ego. For the Spirit is unity.
Be thyself, immortal, and put not thy faith in death; for death is not of thyself, but of thy body. For the Spirit is immortality.
To be immortal is to be infinite in being and in consciousness and bliss; for the Spirit is infinite and that which is finite lives only by his infinity.
Sri Aurobindo
Source: Excerpts from essay titled – The Divine Superman
You may also like to read
Sri Aurobindo Thoughts on Moksha


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Schwarzman Scholars to Be Political Leaders, Not Activists
It will be two years before applications for China's answer to the Rhodes Scholarship will even be accepted, but its backers are already hearing from anxious Chinese parents asking how to get their son or daughter in.
That's according to Li Daokui, a Tsinghua University professor who will direct the program and who visited Hong Kong Tuesday on his first stop on a global tour to promote the scholarship. Established earlier this year by Blackstone Group chairman Stephen Schwarzman, the scholarship will be granted to a mix of students from around the globe and allow them to spend a year in Beijing at Tsinghua, one of the country's most prestigious universities.
Mr. Li said leadership skills would be the key selection criterion for prospective Chinese applicants. Accepted Chinese students will be encouraged to remain on the mainland to become political and economic leaders, he said. The program is considering implementing quotas to ensure representation from Hong Kong and Taiwan as well as the mainland.
Among the 100 students who will be selected to form the inaugural 2016 Schwarzman class, 45% will be from the United States, 20% from China and the rest from around the globe. American scholarship recipients are expected to have a general interest in China, but no particular expertise in the country or its language.
Many have questioned whether the program will be subject to the censorship that is common on the mainland, but Mr. Li said in an interview he was confident traditionally taboo topics such as the 1989 Tiananmen Square crackdown will be discussed in class. However, he said, he wouldn't support students "using…their political views to organize things to actually shake up things."
"I don't want our students to become political activists. We want them to become active thinkers," he said. "Freedom starts with thinking. You have to think through things before you take action. Action without clear thinking can be destabilizing, as we all know."
In addition to his role as director of the Schwarzman program, Mr. Li also previously served as former adviser to the People's Bank of China.
Mr. Schwarzman said earlier this year that he founded the program because Americans "know next to nothing about China." While the number of Americans studying Mandarin and traveling to the country has boomed, there are still eight Chinese students in the U.S. for every American studying in China, he says.
"It's very important to know the inner thinking of many Chinese. Sometimes learning the calligraphy, learning the movies, the martial arts, may not be [enough]," said Mr. Li, adding that he hoped the program would be educational for Chinese participants as well: "China is huge, China is very diversified. Even many Chinese students themselves do not really know the whole China."
In recent years, popular anger has been fueled against the children of China's top political officials, who are often educated at elite institutions overseas. However, Mr. Li stressed that political connections wouldn't help Chinese applicants, and that scholarship awards would rest on a track record of leadership, citing what he described as Hu Jintao's time as the director of a student dance group during his university years as one example.
"The bottom line is leadership. If the person is only the son or daughter of a leader, that is not enough," he said. "The person has to demonstrate that he or she is able and willing to lead, to sacrifice for the welfare of other people."
– Te-Ping Chen. Follow her on Twitter @tepingchen.


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Ask a Lawyer and Get Answers to Your Legal Questions
Thank you for your question. Please permit me to assist you with your concerns.If you end up giving your vehicle to this person, please be advised that as the owner of the vehicle, you become personally liable and responsible if this vehicle ends up being in an accident or ends up harming someone's personal property or causes personal injury. That liability cannot be waived by documentation since the law treats the owner of the vehicle (not the operator) as the primary party who would be liable for costs. The reason for this is because whomever uses your vehicle is considered to be an 'authorized user' and that means that they are essentially acting on your behalf when they drive the car. The fact your friend only has a learner's permit does not usually mean that she is experienced or able to sue the car, so that means that a potential accident or crash is more likely. I cannot tell you whether you should or should not give the other party your vehicle, all I can say is if you do, you are responsible for any damages or harm that vehicle does when in the hands of this person, and you cannot sign off or protect yourself from liability via any sort of documentation.Hope that helps.
Ramy,Thanks for you first advice. I have another question. Does she has to drive the vehicle in presence or with of actual license holder in New Jersey state? Because she has learner permit? And if she would catch by police without supervision of license holder than does it effect to my license ?To answer directly please be aware that what I provide is not 'legal advice' but legal information. As I am not your attorney, I cannot directly advise you.If she has a learner's permit, she must have someone in her vehicle who is over the age of 21 and is fully licensed by the state. If she operates the vehicle without a second party or after hours limited by the permit, her permit will be affected, not yours. She is the violator, not you.Good luck and kindly do not forget to positively rate y answers as that is the only way I obtain credit for my work. Thank you.


text: I was glad to see that Cushing actually did something today and had a great game....really closest thing to someone in Beast Mode on the D today IMO from the front 7. Other than that..... Texans at Ravens next week will be what they call in Mexico "The Donkey Show" if the Texans play like this again. They'll need a plug for the plane ride home. /end


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THE MoD tried to stop military helicopter crews photographing crop circles for fear that this contradicted the official line that they had no interest in the phenomenon.
In 1991, the Centre For Crop Circle Studies wrote to the MoD, saying aircraft had hovered over fields where the patterns had appeared and on at least one occasion taken pictures.
This concerned the MoD so much that they wrote to Army and Navy chiefs, asking them to ensure this did not happen again.
But both services refused, saying they would "not be taken seriously" by air crews if they issued such an edict and suggesting the department was being "over-sensitive towards the UFO lobby".
The department then replied to to the Centre For Crop Circle Studies' letter.
An unidentified official insisted: "I should state at the outset that the Ministry of Defence has no interest in crop circles and is conducting no research or investigation into this phenomenon.
"There can be no question of MoD resources being used to support investigation of the crop phenomenon."


text:
BGF-backed Springfield completes Seacroft Grange care village creating 100 jobs
October 2013
Seacroft Grange care village in Leeds has been completed following a five year renovation project and a £1.9m investment from BGF.
The new care village will create 100 new jobs and transform a once dilapidated historic building overlooking an ancient village green into a new care complex.
The funding formed part of BGF's overall £4.4m investment in Seacroft Grange owners Springfield Healthcare Group.
The care village offers services including day care, residential and nursing care, as well as private independent living apartments for a wide range of age groups.
The building dates back to 1627 and had been prominent within the local community for many years. For 30 years until the mid-1970s it operated as Seacroft primary school and many of the local residents who attended the school during those years still live locally and will benefit greatly from the services offered and have been great advocates of the project.
Chief executive Graeme Lee said: "Our model helps families make an informed choice earlier in the planning process and then moves with the needs of individuals or couples as their care needs progress, at the same time ensuring long-term consistency where the care team and quality of information are concerned. At the heart of our care village is a Grade II listed building which will be the basis for all our social and community activities and houses a cinema, therapy spa and gym, hair salon and coffee shop that wouldn't look out of place on the high streets of York or Harrogate.
"As well as exceptional views over the village green, which is mentioned in the Domesday Book, people and families can be seen going about their daily business and, unusually, we have every single community amenity including medical centres, pharmacy, pub, library, church, post office, supermarket and bus station, all within 100 metres."
Springfield Healthcare Group is the largest independent provider of domiciliary care in Yorkshire and Humberside. It provides care to nearly 2,000 clients each day and employs over 600 people locally.
Richard Taylor
Richard joined BGF in July 2012 and is based in Leeds. His main role is to identify and successfully execute investments for the fund. He also sits on the board of a number of our portfolio companies.
Richard has 16 years' experience in small company investing with previous roles at YFM, Octopus Private Equity and Sovereign Capital. He began his career at Deloitte where he qualified as a Chartered Accountant following three years at York University where he studied Economics and Economic History.
He is married with three children and lives in Leeds. At weekends Richard runs a free taxi service for his children around which he fits in time to play, watch and coach the beautiful game that is football.
Latest investments/Board positions:
- Total Recycling Services (Board Observer)
- Altec Engineering
- Cussins (Board Director)
- J&B Recycling (Board Director)
- Springfield Healthcare Group (Board Director)
- York Mailing (Board Director)
- Xercise4Less (Board Director)
- VTL Group
- Ultra Finishing (Board Director)
Neil Inskip
Neil joined BGF in November 2011 as an Investor based in Manchester. In this role, Neil is involved in all aspects of the investment process from origination through to completion, and supports companies throughout the investment hold period.
Neil has gained private equity experience at ANZ Private Equity in Sydney and latterly with Infinity PE in the North West, where he was involved in executing and managing a number of investments across a range of sectors.
He began his career at PWC and worked in both the Manchester and Sydney offices in the Transaction Services division. Neil is a qualified Chartered Accountant and holds a BA (Hons) in Economics from the University of Sheffield.
Latest investments/Board positions:
- Grace Cole (Board Director)
- Hobs Reprographics (Board Director)
- Nationwide Window Cleaning (Board Director)
- Medicina (Board Observer)
- Barburrito (Board Observer)
- Springfield Healthcare Group
- Boost Juice Bars (Board Observer)
- Horbury Group (Board Director)
- Broadband Satellite Services
- Kids Planet (Board Director)
- High Access Maintenance (Board Director)
- RSK Group
- Sentric Music
Andy Gregory
Regional Director – North, Scotland & Northern Ireland
Andy is a member of the BGF Investment Committee and leads our investment team in the North of England, Scotland and Northern Ireland, identifying and executing investments for the Fund. He sits on the board of some of BGF's investee companies. Andy has significant experience of regional private equity, having worked as a director in the Manchester offices of ISIS Equity Partners, Bridgepoint, and Royal Bank Development Capital.
Most recently Andy was a key member of leading investment firm Key Capital Partners, based in Manchester. He is a chartered accountant with 17 years' experience in private equity, acquisition finance and corporate finance.
He also has industry experience, having been group finance director of Pennine Retail Systems Limited, a leading UK retail software company which was successfully backed by private equity.
Andy is married with two young children and lives in Cheshire. In his limited leisure he tries, and generally fails, to impress his children by playing the piano and whilst on holiday loves to windsurf or snowboard depending on the time of year.
"I joined BGF to establish our business in the North, having been hugely excited by the prospect of helping to build a business from scratch and bring a new type funding solution to growing companies. I continue to gain huge satisfaction from working with ambitious entrepreneurs and helping them to accelerate the growth of their businesses."
Latest investments:
- Moda in Pelle
- Nationwide Window Cleaning
- Medicina
- Boost Juice Bars
- Springfield Healthcare Group
- Barburrito
- Better Bathrooms
Aberdeen-based STATS Group and South Wales's SHS Infrastructure Services (SHS) may be hundreds of miles apart but the two businesses have much in common. Both specialise in largescale project management and engineering services for demanding clients; both have exciting growth plans that are dependent on capital expenditure; and both have turned to Business Growth Fund for help.
Without external investment to fund that expenditure, both companies would probably still be struggling to fulfil their potential. With the money, however, the two businesses are building reputations as leaders in their fields: STATS provides maintenance, repair and modification of oil and gas installations and pipelines, onshore and offshore, while SHS erects and dismantles large-scale scaffolding constructions on technically demanding projects. "When I arrived in 2011, SHS was operating with a significant overdraft and was having to turn down opportunities to bid for new work," recalls Gavin Payne, the company's finance director. "We did have a finance line with the bank that was facilitating some growth, but cash was massively constrained and we were never going to be able to move to the next level – we turned away £6m of business in the first two months I was here simply because we didn't have the capital to commit."
SHS's difficulties started with the pressing need for capital spending, Payne explains, because the projects where the company specialises, working at refineries in the petrochemicals industry, require so much equipment.
"We needed to spend sizeable sums on the basics of our business – on tubing, boards and other scaffolding kit," says Payne. "And we wanted to think longer-term – for example, we'd always bought wooden boards, even though steel boards last much longer, because our cash was so short we needed the cheapest option even when it turned out to be a false economy."
Another issue was cashflow, adds Payne. "Payment terms in this sector are generally 60 or 120 days, which makes life very difficult for under-capitalised businesses."
It is a story that Pete Duguid, the chief executive and founder of STATS Group, recognises very well. Duguid first launched STATS in 1998 and spent most of the next ten years battling with the company's constrained finances. "I vividly remember my bank manager telling me I couldn't build a business on enthusiasm alone and in truth, while there was always growth, we were constantly fighting working capital," he says. "That was fine in 2007 when the banks were offering very easy access to credit but then the financial crisis came along and the oil market collapsed."
In the years following the crisis, STATS faced a challenge simply to survive – not because of any flaw in its business model or products and services, but because it did not have the capital buffer needed to ride out a difficult trading period comfortably.
Fortunately, the business made it through, but Duguid realised he needed help to take STATS on to the next level. He could see clearly how the company could expand its range of products and services, and had plans for international expansion. But STATS still lacked the resources for the capital expenditure required to turn that vision into a reality.
"By the end of 2010 we'd stabilised but banking support had disappeared," Duguid says. "I had to make a call – we knew we had to do something different and that's when I began looking foroutside investment."
The search ended in March 2012 when BGF invested £7.8m in STATS, in what was then only the fund's fourth investment. Six months and 11 other investments later, BGF and SHS agreed a £5.4m injection of growth capital in the scaffolding business.
"What's clear in both these cases is that the companies had no chance of any significant growth without taking on additional capital," says Paul Oldham, a BGF regional director based in the Bristol office. "They could have opted to go for much slower growth, but they were ambitious, which is one of the things we look for in a company when we're considering whether to invest."
Oldham believes growth capital of this type – as opposed to debt – is ideal for companies with large capital expenditure requirements. You're not going to be able to arrange debt for a period of longer than five years, which isn't a great basis for long-term capital investment," he argues. "Even as you're investing, you're already worrying about when you'll have to roll over the borrowing."
In contrast, Oldham says, with a slug of capital to fall back on, businesses can concentrate on worrying about growth rather than financing. "What our money has done in both these cases is take away the constraints from these companies and level the playing field with their larger competitors," he argues. "That's what BGF does – we invest in smaller companies whose skills are just as good, or better, as those of larger companies, and whose products and services are of equally high quality, or higher, so that they're no longer at a disadvantage just because of their balance sheet."
SHS's Gavin Payne shares that analysis of the value of growth capital, but says he had particular reasons for choosing BGF.
"We spoke to a number of potential sources of funding, and while BGF's terms were competitive, more important in the end was our impression that there was a greater willingness to work with us," he says. "It didn't feel like a traditional private equity involvement – they've only taken a minority stake and while we welcome their support and advice, it's still us running the business."
At STATS, Pete Duguid had similar anxieties. "My concerns were all about whether I was working for a new master and about how the decision making process would work," he says. The fact the fund was happy with a minority stake in the company helped allay those fears. BGF also introduced Duguid to oil industry veteran Graeme Coutts, who subsequently became chairman of STATS and now plays a crucial role in helping the company realise its plans for international expansion.
In the end, says Paul Oldham, this is the type of edge that BGF needs to communicate to companies looking for investment.
"If all we were offering was money I think we would have done a lot fewer deals than we have done – our network of contacts is often an important part of businesses' decision to go with us."
By James Hurley
"We haven't got the 'not invented here' mindset," says Richard North, founder of Midlands toy business Wow!Stuff. "Our attitude to innovation is 'whoever, wherever' – we don't care who comes up with the idea, or where they are inthe world."
Even on the side of a mountain in Vermont. This is no imaginary example – it's the strange, isolated home of Jaimie Mantzel, an inventor that North is hoping will help him deliver a hit toy this Christmas.
Mantzel spent a decade flipping burgers, painstakingly saving up $22,000 to buy a remote piece of land that would be his escape from the rat race. Once he'd found a 20 acre plot on the side of a mountain, he designed and built an "off grid" three-storey dome structure from reclaimed materials to live in.
Deciding he wanted to build a workshop, he obtained a disused aircraft hanger and transported it up the mountain by foot, piece by piece and reassembled it. With a better way to carry materials to his new base clearly required, he started work on an off-road vehicle. Building a DIY 4×4 would be impressive enough, but Mantzel is a man who likes to put his imagination to work: he started creating a giant, 12 foot tall robotic spider from scrap aluminium that he could pilot.
Documenting his singular lifestyle and esoteric creations on a blog and, crucially, on YouTube brought Mantzel a global audience. The giant robot proved a particular source of fascination. One of those who followed Mantzel was a robot scientist working for Wow!Stuff and fascinated with the eccentric inventor, he told North.
As it turned out, Mantzel had already spotted the potential of toy versions of his giant arachnid – but had bad experiences with American toy giants. North and his team eventually convinced the reclusive creator that they could enjoy a fruitful relationship.
The result is Attacknid – a six-legged "battling machine" that North is convinced will be the number one boys' toy this Christmas, with all of the UK's major toy retailers having agreed to list it.
Wow!Stuff has a knack for coming up with toys that capture the imagination. Last Christmas, it sold 400,000 Air Swimmers, a giant inflatable radio controlled fish that 'swims' through the air. Another hit was My Keepon, an interactive robot that dances in time to music.
Its origin? YouTube again. Wow!Stuff workers spotted a video on the site starring a dancing robot designed by scientists to help therapists improve the social development of autistic children. When North watched the video, he saw the potential of the £20,000 device, which had been developed by US company BeatBots.
The lesson, North says, is that no amount of market research and analysis of trends can substitute simply recognising an inspired idea.
"You've got to back your hunches. Research won't predict the next big thing. If you're growing a business you can have a perception that all the ideas have to be generated internally. We've realised you have to look outside."
The company – which has won a National Business Award for its approach to innovation – also uses the internet and social media to find new ideas and inventors, which North says can come from any industry and any location.
"You have to cast your net wide. The people we employ are people who share ideas freely and aren't selfish – innovation has to be in everything we do, not just toys. There's a world out there full of ideas, so it's your job to capture that, not think, 'we have all the ideas here'. It's about being free and inclusive."
If that makes the process of product development sound easy, North is at pains to point out that the pressure in his industry to innovate quickly and accurately can be "brutal".
"When we started out I remember talking to people in the industry. Everyone had the same remark – it's one of the hardest industries to do a start-up. Even the biggest toy companies, with millions to spend on development, research and focus groups say 50pc of their toys won't work commercially. It's like being a venture capitalist – you know a lot of what you do will fail. And the amount of start-up capital you have to invest upfront can kill you quickly if you get it wrong".
With toys taking between two and three years to develop, the moment they're presented to retailers is "nerve racking", North says, with some understatement. He's just back from toy fairs in the US and Hong Kong where he's been doing just that. Unusually, all of the toys that Wow!Stuff presented received orders or interest.
"That never happens. It's the best we've ever done. At the point of the first reveal, you're hoping people get it. Sometimes you've just missed the trend, sometimes you're too far ahead – predicting something that hasn't arrived yet," he says. "We saw a lot of companies doing toys that worked with mobile apps. They're probably two years ahead of the consumer. Next year is when we think the timing will be right for that."
When I tell North that the way he describes innovation makes his company sound like it is run by Tom Hanks' character in the 1988 film Big, his response is telling: "I've never seen it but people keep saying that to me."
In the film, a 12 year-old boy is granted his wish to be given an adult body. He gets a job in a toy firm and becomes an unwitting nemesis to an experienced product developer by rubbishing his ideas and coming up with much better ones of his own.
"The industry is like that – there are lots of clever people trying to justify their jobs by relying on research and numbers. The truth is, the answers are out there, not in you. The minute you start getting hierarchical is the time you lose your innovation. You need to think like a kid, be like a kid – before you were indoctrinated by life and educated in the supposed right and wrong ways of doing things."
However there is no one single way to innovate; companies will invariably take different approaches to it as is evident within BGF's own investment portfolio. The important common denominator is that innovation is high on the corporate agenda for them all.
At M Squared Lasers in Scotland, backed by BGF this year, thinking like a child is not on the agenda – they have to take a rather more structured approach to innovation. The company develops lasers for a huge array of industries, and for a wide range of applications – from advanced scientific research to sensing hydrocarbons in oil and gas production, sensing explosives and chemical warfare agents and computer chip manufacturing.
All of the industries that the company sells to demand both speed and accuracy – and constantly changing demands means M Squared needs to come up with new
products all the time.
"Our term is dependable innovation," says the company's chief executive, Dr Graeme Malcolm. "They're novel processes but solving a real problem, so what we produce needs to be robust as well as quick. The customers don't want flaky prototypes."
In one sense, however, the approach M Squared takes to achieving that aim is strikingly similar to Richard North's"whoever, wherever" philosophy. "We can sense chemical agents from hundreds of metres – that's unique to us. What we've done to get that advantage is take a collaborative approach with supply chain partners and universities. Typically, our big publicly listed competitors take the 'not invented here' approach to life. We're smaller and more agile, which gives us a bigger research and development group – because it's not just us coming up with the ideas."
Working with a multitude of partners is not a soft option, however. "You have to think harder about intellectual property this way," Malcolm warns. Detailed agreements are made in advance so partners know where they stand on ownership if something commercially valuable is created. Working with academia as a small, fast growing company presents challenges of its own but Malcolm says it's less of an issue than one might expect.
"We try to work with the most like-minded groups in universities – there are agile parts that are already working with industry. The rest, the more research-based academic parts, can be worked with for longer term projects," he says. "We license a lot of technology from universities – that makes the relationship last longer because they'll come back to you."
For Malcolm, the hard part about innovation isn't coming up with good ideas – it's bringing them to market. "There's often much more innovation involved in the process than in the original idea," he says.
"Some of the things we've worked on have been groundbreaking. But 1,000 times more effort goes into rigorous engineering and developing a new market, and educating a new customer base. That's the bit that's underestimated – the light bulb moments can be obvious."
To make sure innovative ideas quickly result in physical products, unlike many of its larger rivals, M Squared uses local manufacturing, via an advanced production facility in Glasgow. "The proximity between engineering and manufacturing is crucial when you're doing it quickly. It's an intimate process – and allows you to keep the skills you need to do the whole cycle from analysing a market to delivering a product. It's difficult if you don't have those close connections."
Encouragingly, he thinks the principle could apply to less hi tech industries too – rising costs in emerging markets mean fashion companies increasingly see the speed and control benefits of coupling innovation with local manufacturing.
"I think that trend is something the UK is pulling through strongly on," he says. "It makes the cycle of iteration much more rapid – so innovation can happen more rapidly. Many of the great innovations in recent years have had a number of iterations – the tighter the loop the better."
But what about companies that aren't involved in developing physical products? How do they approach innovation?
A care home isn't something one immediately associates with innovation.
However, Graeme Lee, chairman of Springfield Healthcare Group, insists plenty of creativity has gone into turning a family business with sales of £400,000 into a £12m turnover company. He too is pioneering a new way of doing things in the domiciliary care market.
Unlike Wow!Stuff and M Squared Lasers, Lee's innovation is focused on service and his business model rather than product design and production. Yet Lee's emphasis of looking outside your own business for inspiration echoes the approaches of North and Malcolm.
In his role as chairman of a not for profit care association, he visited a multitude of care homes. A range of problems struck him – residents felt isolated in remote homes and frustrated by living on top of one another. "They wind each other up," he says.
Worse, many have to cope with a change in circumstances – if a resident develops dementia, they'll often have to move.
Lee's solution is simple, but unconventional – a "care village" in the heart of a normal community just outside Leeds. Residents have separate units, and can move from complete independence to sophisticated care in one location. And they're in the heart of real community life – the pub, the village shop, the post office.
"Say Mrs Smith comes in at 70 – we can deliver everything she needs for the next 25 years. Normally, if you're in residential care and you get dementia you have to move. This is a home for life. And for us, we keep the patients longer so it's a good business model, if we give people the right care at the right time."
Echoing Malcolm's point, for Lee, the hard part is in the delivery, not coming up with the original idea.
To bring the care village to life, Lee has had to convince both the NHS and local councils – hardly organisations known for embracing change – of the benefits of his approach. He'll need their backing if he wants to expand the business, after all.
Just as North warns that bad timing can kill a good toy, Lee has picked a time of upheaval in the healthcare market to introduce a new model.
"GPs take control of healthcare budgets next year. They love what we are doing because they know that everything the patient needs is taken care of. For doctors, we're ticking all the boxes."
BGF liked the idea enough to invest and Lee is hoping to replicate it in other
When BGF backed North's business, he says it focused the mind on what they were buying into – and ramped up the pressure to keep coming up with the bright ideas.
"As investors, their worry is, how do they know we've got the magic touch. You don't know why it's you that they've chosen; but then, why not us?"
The key to staying innovative for these growing companies is to keep looking outside their businesses for inspiration, hiring people who don't care where the best ideas come from and remembering that being innovative doesn't stop at simply coming up with neat product ideas. And of course, timing is everything.
If the Wall Street Journal is to be believed, innovation is the most overused word of 2012. It is often bandied about by consultants and PR executives, and companies can be just as guilty; heralding innovation when in truth what they have is simply a good product.
So what is real innovation? There are numerous definitions, and the experts can't quite agree, but here are a few examples to consider:
- Inventing a product, technology or service that is genuinely new. Like the light bulb, wifi or Google.
- Revolutionising an existing product by changing the users' behaviour while at the same time revolutionising the market. Apple's iPhone anybody?
- Inventing a new process, delivery method or business model. Turning mainframe computers into personal ones or shifting video rental from stores, to post and then online.
- Creating a new market for a leftover or overlooked commodity, or extending a market for an existing product. Best Buy, the US electronics retailer is creating revenues from recycling so-called 'e-waste'.
- One could always just go with the summary offered by the late Steve Jobs who knew a little about the subject: innovation is what "distinguishes between a leader and a follower".