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Filed under: Church, Family, Oklahoma, Seminary, Thankful | Tags: Currently Listening to: Anthony Evans
10 Reasons I am giving thanks this season (in no specific order):
1. My father and mother (Bill and Sue). Few people are as blessed as I am to have the quality of parents I have. I don't mean to sound arrogant at all, but it's the plain truth. My parents loved me and my siblings and gave us a wonderful childhood and prepared us for our lives out from under their authority. My parents parents raised five children, teaching them live simply and walk humbly with God in view. They are as involved in each of our lives today as they were twenty years ago. I am thankful for them
2. Music. I love driving by myself late at night with good music like Coldplay or U2 on the radio while I sing, strainging to reach all those high notes. It's especially good when it's warm yet just cool enough to drive on the interstate with the windows down. It takes me back to the days of college, traveling to and fro the church served at the time. Good times!
3. Books. I love to read authors who write from a Christian perspective concerning a Biblical theme. In particular, I love Eugene Peterson, N.T. Wright and Dallas Willard. These guys get me jazzed about teaching and preaching! Writing is very tedious work for me so I admire reading the work of those who continually pump out something new and fresh.
4. College football. This past weekend was the finest representation of why I am thankful for college football…the Oklahoma Sooners. Might I add that this weekend I am as equally thankful (bedlam week – OU vs. OSU). There is just something special about waking up on Saturday morning to watch College Gameday, work around the house a bit, eat some lunch and then settle in for the days games. I am also thankful for the system in place. Call me crazy, but I like the BCS. I like the fact that it makes people pay so much attention to what is going on (strength of schedule, wins/losses, the strength of a teams conference, etc.). It makes for better radio conversation, tv analyst's have more to talk about and, hey, it just creates a lot of fun for the sport. Not to mention that the majority of the time the system works itself out. I could go on, but let's go to the next.
5. My wife, Nicole. Nicole makes my life special. I think back to as many memories as I can and the majority of the time she had a hand in making that memory. She is a gift…she's my gift. We have a daughter together (for which I am forever grateful). We have a home together. We have a church home together. We have best friends in each other. And we have a life together. What more could a man ask for than a woman who loves him enough to wash his dirty underwear? Anyways, I married way over my head.
6. My childhood. My life is filled with memories of a wonderful childhood. Being the youngest of five I grew up envying three older brothers who loved baseball, fishing, Jesus, church, wiffel ball and backyard football. Wouldn't you know that many of my memories come from one of those. I had a great childhood!!!
7. Leclaire CC. I kind of fell into this situation by the grace of God? Wouldn't you know that Leclaire fits me and I fit Leclaire. This congregation has allowed me to mature as a man and a leader while I was fairly green coming into this situation. I reflect on five of years of serving here and notice the ways in which my life seen fruit from serving. These are good and Godly people led by a great staff and leadership team. I am thankful to be here.
8. My dog, Boomer. This little guy has brought some serious joy into my life. If I wrote a book on him, which I could very easily, I would be sure to mention the time I saw my neighbor at the grocery store and she told me Boomer was on the roof. I would also be sure to include the time he got skunked at 3:30am. Or what about the time he got beat up by the neighbor dogs who happened to be 5 times his size (a jack russell vs. great dane and boxer). He spent a few days in the hospital after that one. Perhaps I might include his love for Nicole's lotion and hate of the vaccuum. More than anything I'd be sure to include that he is a cuddler who loves to sleep under the blankets and sighs quite often as he goes to sleep. Or I could just write for a while about the terrible gas he always has.
9. The Bible. I have always loved Scripture, but at this point in my life I have a certain respect for it that I have never had. The greatest catalyst in my love for Scripture was a class I took at Lincoln Christian Seminary entitled "How to Read the NT as Literature." Our teacher, Dr. Bob Lowery, had rented out a campground in the middle of nowhere where we were to meet all week long. It was during this intensive style class that I began to see Scripture as a beautiful piece of art into which God had woven his story. I was assigned the task of studying Matthew's Gospel and reporting to the class that which I learned concerning plot, characters, conflict, etc. That intensive week branded me in a way no other class ever had. I love God's word…it's beautiful.
10. I am thankful for life. I am able to experience life because God is creator. I am thankful is creative as a creator. While we are all in the image of God we are all unique. He loves diversity. I am thankful He made us with the capability to love others who may seem different. I am thankful He sent His sent to show us how to live properly and to be life for us. Not simply for the Jew, but for the Gentile so that ev'ry tongue and tribe and nation might hear of His goodness and mercy. I am thankful for a great God who made a way in wilderness…who shined light in the darkness…who set a bridge over a great canyon. Praise Him, praise Him, praise Him.
Happy Thanksgiving! Peace…Matt c.
Filed under: Uncategorized
I will posting another tomorrow, but I ran across this sweet video worth sharing. This video was recorded at Fellowship Church (Ed Young Jr.) in Dallas and was part of the release party for their latest worship CD. After watching this it's hard to imagine the production it required to get everything in line…pretty daunting for one song. Nonetheless, it's way cool and those who experienced this will most likely never forget the idea of new creation.
Filed under: Church, Family, Leadership, Uncategorized | Tags: Listening to: Randall Goodgame
One of the personal frustrations that constantly brews for me between the professional and personal is that of looking ahead vs. looking around. Or, put in other words, vision vs. impulse. Or, put yet another way, tomorrow vs. today. These two are always battling for control of my attitude.
By nature I do not tend to be visionary rather a bit more impulsive. It's not that I don't look ahead; it's just that I have to work harder than most people to look ahead. In fact, I have to make myself sit down at the end of each week (and most days) to plan the following week otherwise I probably wouldn't get much done. So I make myself consider what needs to be planned, prepped and/or pushed back and it helps me maximize my week considerably. But where I struggle is keeping my eyes up for long periods of time. I may spend two weeks working on the non-immediate, setting vision and keeping attuned to my agenda, but it's like I hit a brick wall after some time and I put my head down. And for a few I seem to get lost in the moment. Ever been there?
During these days I think about being at home more often and consider leaving the office early to be with Nicole and Lily. During these days I am not as committed to prepping for lessons/sermons that are not immediate. During these days I play more MLB 2K6 and work on the house far more. During these days I am not as sharp as I'd like to be, though I am not bothered at the time. I think of fishing more often or consider getting out of town for a few days or staying up late to watch a movie. I guess you could say that rather than looking "ahead" I now look "around." I like these days and wish I didn't feel so guilty liking them.
I think one of the reasons I live in the moment from time to time is that I often struggle to see fruit from working with people. Maybe you're not aware of this but fruit from vision casting in church leadership is rarely immediate. I remember one conversation with my brother Mike and him stating that just now after five years he is beginning to see some fruit in his youth ministry. So from time to time I get to the point where I need a jolt or buzz or something that offers instant gratification. I think this is why working on my house is rewarding (the results are immediate) or fishing is so enjoyable (immediate jubilee… and because fishing rocks). I also think this is why I enjoy preaching and teaching so much (I really feel like I accomplish what I set out to do).
I find myself praying for stamina often. But I also find myself wondering if isn't such a bad thing. Sure, it flies in the face of about every leadership philosophy, but, still, maybe it isn't such a bad thing. Today is as important as tomorrow, right??? I guess this is my leadership battle. On the other hand, leadership guru's have probably arrived at the conclusion that I am just plain selfish and lazy. I guess everyone's entitled to their opinion. But this is reality in my world and it "is" a battle.
When I set out writing this post I didn't intend to get so caught up in the moment. Wait, shoot, I'm doing it right now. I better sign off before this gets too bad.
Peace…Matt c.
Filed under: Worship Ministry | Tags: Listening to: Andrew Peterson (Resurrection Letters Vol
One of the responsibilities I have at Leclaire is to oversee the Worship Ministry. Until my last year of undergrad I never envisioned myself with such a role. In fact, I don't think anyone who knew me envisioned me in the role of a worship because I loved preaching/teaching far too much to do that secondary, I had no formal music background (couldn't and still can't read music, was never in band, etc.) and, truth be told, I couldn't sing. Seriously, if you talk to some who knew me 6 years ago they will tell you I was as poor a singer as most jr. high boys are in the midst of puberty. I played a lot guitar with my buddy Lucas, but that was the extinct of my music background.
I remember my first few years in worship ministry as I struggled to get my bearings as a leader and worship leader, learned how to deal with difficult and opinionated people, tried to find and maintain balance with other reponsibilites (students, college and young adults) and scratched the surface of how to be a man and husband. Those were a few tough years sprinkled with pointed meetings, confrontations with controlling people, stress out the whazoo, etc. I thought God had thrown me into lion pit and left to go fishing. Man, I was tempted to quit at least… … …probably 20 times (haha) and take a job mowing for the city.
But I see the fruit from those tough years and now smile that they have passed. Refined in the fire, if you will. I learned a lot about my leadership style and the need to surround myself with others who were strong in my weakness. I also learned that transition can be long and arduous requiring stamina and utter dependence upon the Almighty. Quite frankly, were it not for God using a couple and their two boys during these few years Nicole and I probably would be living in another state right now. But that couple is a post within themself…more on them later.
The defining turning point in my ministerial career thus far came when, divinely, a family moved from Texas to Edwardsville and began attending Leclaire. Their gifts and hospitality brought me out from under a dark period. They could sing and play about anything. More than these, they were a picture of health in a time of unhealth personally. I owe this family enormous gratitude. They loved me and encouraged me and had me out for supper and even let me fish in their pond.
Now, at age 28, I oversee a great worship ministry with as good a team as there is and I even get to lead worship as often as I like. I am probably not the most qualified for worship ministry, but, hey, calling is far superior than qualifications. And while I am aware that I am not some awesome worship "minister" I do take pride that I am as gifted in "leading" worship as I am at about anything else. Six years ago this was not case!!! As I look at how God has shaped my gifts to do ministry I am pretty amazed at how I have grown as a leader, singer and, most importantly, as a worshipper.
Filed under: Books | Tags: Listening to: Park Cities Baptist Church (Redeeming Lov
My Dad put me on to reading the memoirs of Calvin Miller entitled Life is Mostly Edges. Do yourself a favor: take an afternoon away, go to Borders, sit down with a cup of coffee and Calvin Millers book.
Miller splits the book into three sections: 1. Childhood, 2. Life as a Preacher, 3. Life as a Professor. And while the childhood years were interesting I lost myself in his section about life as a preacher. He looks back upon those early years in ministry recognizing his mistakes, funny stories, difficult decisions, his family and the church, etc. I read the majority while in bed and would lay there laughing and then reading excerpts to Nicole. In one particular story he reflects on the conversations he had in Bible college and I thought it very humorous because I had the same conversations in Bible College.
Again, do yourself a favor: go read this book. If you're in the ministry or not you'll read it from cover to cover. I did, twice!!!
Peace…Matt c.
Filed under: Family
Well…considering I have not written in over a month I am sure I am writing this note to myself. No one keeps tabs on a site that is not updated, right?
Lily has doubled her life span since I wrote last…she is 3 1/2 months now. And not only is she a little older, but she is way cuter. She talks and is even beginning to giggle a bit. Nicole and I cannot wait until she giggles real big! Her neck is strong enough to sit in her bumbo seat and check things out and she absolutely loves it when Boomer comes around. Her eyes never lose sight of him. The only point that stinks? She still is not sleeping all night! That will change in time, though.
Nicole and I are doing wonderful. Other than e-mail Nicole has never been much into the internet…that is…until she discovered facebook. She has friends galore, pictures posted, videos uploaded, etc. It's a whole new world for her now. I, on the other hand, try to stay up-to-date with the facebook, but it's not my cup of tea. I am currently spending a lot of time preparing to write my thesis for school and am close to submitting my proposal. It is not finalized yet, but I will consider the shape of Jesus' teaching in the sermon. I will use another post to elaborate on all of us…I am very eager to get begin writing on this thesis, though.
Well…more later!!! Peace…Matt c.
Currently Listening to: Keith Green: The Live Experience
Filed under: Uncategorized
Fall is on the doorstep! I love the fall because I crave college football and am always glued to the post-season baseball in October. Sadly, it looks like the Cardinals may not make the post-season this year. Even sadder is that the Cubs are tearin' it up. My love for the Cardinals is equaled by hatred of the Cubs. With this in mind, I have as much incentive to remain glued to October because I must root for the team playing Chicago.
Better than October baseball, though, is college football in October. In the fall my energy is given to Oklahoma and the Big 12. Now, I live in Big 10 country and must cope with my faithful Illinois friends who, each year, insist that the Illini will do great things this year (please join me in my disgust. ). At the other end of the spectrum, are my Illinois friends who cheer on those over-hyped Tigers of Mizzou. Seldom do I come across an individual who has the college football head on straight. Oklahoma, on the other hand, is poised to have a great year…again.
I also love the fall because it is a bit of fresh beginning for church stuff. We still carry the baggage of our past failures and weak areas, but the fall gives opportunity to make changes, start new programs and begin certain ministries the right way. I guess you could say that the church's new year lands just after Labor Day! I am so excited about starting up the Student Ministry with a full head of steam. It was a great summer for our students. But I have a hunch that this fall the Spirit will move through this ministry is a powerful way. It is a step up for the Student Ministry. Last week I sent out a letter to all my parents concerning the Student Ministry along with a postcard advertising our regular programming. This week I sent that same postcard out to around 60 students. The first week of September my team and I will be making personal phone calls to further invite our young people. God will bless this ministry and He will impact young lives beyond our imaginations. Our job??? Dream big and let imaginations run wild…


text: AGC Partners is pleased to announce that its client, TrustComm, a provider of global satellite communications services, has completed a debt financing in order to acquire GE Satcom. The combined company will now operate as Signalhorn AG out of two state-of-the-art teleport centers located in Switzerland and Germany. With a team led by Doug Hurst, AGC Partners acted as sole financial advisor to TrustComm.

subset: commoncrawl


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You don't need to be a statistician to want to know the odds. In fact, it's downright prudent for investors to understand what their stocks, bonds and cash investments are likely to return in the coming decade. Expect too much and you could miss your goals. Expect too little and you might needlessly sacrifice in the present—or, worse, take unnecessary risks in search of bigger rewards.
So, how do you know what to expect from your investments—and can past performance help you anticipate the future?
"Returns over the next 10 years are likely to be significantly lower than those we've enjoyed in the recent past across asset classes," says Jim Peterson, chief investment officer of Charles Schwab Investment Advisory (CSIA). "Investors should take that into account when making their financial plans."
At the start of every year, Jim and his team assemble a forecast of returns for major asset classes over the next decade, based on economic and interest-rate outlooks and current bond and stock valuations. Their most recent report walks investors through the reasons to be cautious.1
Specifically, U.S. large-cap stocks are expected to return an average of 6.7% annually from 2017 through 2026, counting dividends and share-price appreciation, while investment-grade bonds are expected to return just 3.1%.
Those forecasts are down dramatically from what investors earned in the past, says Veerapan Perianan, a senior quantitative analyst at CSIA. In fact, the average annual return on U.S. large-cap stocks is expected to be one-third lower than in the previous three decades, and investment-grade bonds are expected to return less than half of what they did in the past.
Cash investments are expected to provide especially paltry rewards—just 1.9% on an annualized basis over the next 10 years (in line with inflation), versus 5% annually for the period going back to 1970. This is probably no surprise to investors, who have seen money-market accounts and short-term deposits pay vanishingly low rates since the Great Recession.
Meanwhile, U.S. small-cap stocks are expected to earn an average annual return of 7.5% in the coming decade, according to Schwab's forecast, and international large-cap stocks are expected to earn 6.9%. While the projected returns on U.S. small-cap stocks are very much in line with the decline in U.S. large-cap equities, the drop for international stocks is far less. That's partly because their valuations haven't risen to the same degree, Jim says, and so have more room for gains. Their returns are now expected to be slightly higher than those of U.S. large-cap shares in the coming decade—a departure from historical norms (See "Not-so-great expectations," below).
Not-so-great expectations
Returns during the next decade are expected to be significantly lower across all asset classes.
Source: Schwab Center for Financial Research, with data from Morningstar. Benchmark indexes for asset classes are: the S&P 500® (U.S. large-cap stocks), the Russell 2000® (U.S. small-cap stocks), the MSCI EAFE® (international large-cap stocks), the Bloomberg Barclays U.S. Aggregate (U.S. investment-grade bonds) and the Citigroup 3-Month Treasury (cash investments). Past performance is no guarantee of future results.
What's responsible for these diminished expectations? Jim and Veerapan cite four broad trends:
1. Sluggish economic growth. The U.S. economy grew 2.6% in 2015 and just 1.6% in 2016—and, despite the recent uptick in consumer confidence, economists see that somewhat sluggish rate of growth persisting. For example, Veerapan's forecast is based on an annual rate of growth in gross domestic product (GDP)—the total dollar value of all the goods and services produced within a country's borders—of 2% to 2.5% in the coming decade, compared with an average annual rate of 3.1% from just after World War II through last year.
How does that square with President Trump and Treasury Secretary Steven Mnuchin's assertion that the U.S. can reach an annual rate of GDP growth closer to 3% to 4% with the help of tax reform and reduced banking regulations? Veerapan suggests a wait-and-see approach. If the recovery picks up steam and begins to show signs of persisting, a change in investment expectations might be justified. In the meantime, "we try not to react to near-term noise," he says. "We're looking at the long run here."
2. Anemic interest rates. In the face of subpar growth in recent years, central bankers around the globe have kept benchmark rates at or near zero—and even experimented with negative interest rates—in an attempt to stimulate their economies. Even though the Federal Reserve has begun to reverse this stance, historically low rates will likely linger, justifying modest expectations for bond yields in the coming decade.
3. Lower inflation. Inflation may have averaged about 4% annually since 1970, but it has been much lower in recent years, and Veerapan anticipates annual price gains closer to 2% for the foreseeable future. "Low inflation is very much a contributing factor to diminished expected returns for both stocks and bonds," he says. For stocks, which are forward-looking, returns tend to be depressed when low inflation suggests slow growth, while bond investors require less yield to counteract inflation's effects.
4. High stock valuations. The final factor shaping CSIA's forecast is that U.S. stocks have rallied with few interruptions since 2009, so "prices are marginally on the high side," Jim says. Ironically, this encourages investors to pile into the market precisely when they should be most cautious. "The general behavioral trend is for investors to jump in after they've seen markets rise—at which point they're probably too late," Jim says. "Stocks may continue to climb for a while, but on average they are likely to record weaker long-term gains."
Adjusting your expectations
The best plan of action is to prioritize your long-term goals over short-term performance, rather than attempt to anticipate the market's inevitable ups and downs. And of course the expectation of slimmer gains in the coming decade makes it more important than ever to pay attention to fees and taxes, Jim says, which can needlessly eat away at returns in the best of times.
Perhaps the most central point, however, is this: By being realistic about expected returns, you're more likely to develop an investment strategy that gets you closer to your objectives—even when that means tempering the optimism that comes from the second-longest bull run in American history.
1Veerapan Perianan, "Why Market Returns May Be Lower in the Future," schwab.com, 03/13/2017.
What you can do next
Given Schwab's long-term investment return expectations, it's more important than ever to focus on your goals and develop a plan to achieve them.
Get help creating a financial plan and a diversified portfolio with Schwab Intelligent Portfolios PremiumTM or talk to a Financial Consultant.


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Saturday we had Christmas with the whole Southern side of the family. This was the first Christmas without Nanny (who passed away a couple weeks ago) and she was definitely missed.
Nanny had three kids: Joan, Mike, and Bob. (Bob is my father-in-law). Joan has one daughter who is married and Mike has four kids, two of whom are married with kids. Bob has 3 kids, two married with kids. It's a pretty big group of Southerns that get together!
We had lunch at Joan's house and then the kids opened presents. And then it was time for the Southern Family kickball game. They have been playing Christmas (and sometimes Thanksgiving) kickball for 25 years. It's always a good time, even if my team lost!
Candace and J.J.Molly and LindyThe kickball teams – the opponents.My team.Anna came ready to play – game face ON!Will wasn't feeling great that day. He got lots of extra cuddles from everyone.Adrian and baby Lucas.Kelsey – This girl has a hard head. I know this because in the kickball game we banged heads at first base. Abbey and Kelsey – I love these girls! They have turned into beautiful girls who a lot of fun! I still think of Abbey and Kelsey as the little girls who danced ALL night long at our wedding 8.5 years ago!I mean they seriously danced all night! Abbey with Ed and Kelsey with Drew. Sisters – Candace, Abbey, and Kelsey – Have you ever seen 3 prettier sisters???The girls and their crazy father, Mike.Jamie and LindyAfter we got home Will laid on the couch. He rebounded and was fine the next day. I think it was just the first day of our THIRD cold that had him down.


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As a development project goes on, the costs of taking that project to completion go down. At the same time, the risks of any development project that you've been taking a gamble on are going to decrease as the project progresses in most cases. This means that it's a good idea to do an equity redraw when you're in the middle of your projects so that you can access some more capital to smooth out the cash flow while the project is still in the works. Experiment with various financial projects like a mezzanine loan to learn how financing can be exploited by your projects.
Know how to manage your scheduling
The best way to enjoy a lot of success as a developer is to be able to schedule multiple projects at the same time. These multiples projects should be scheduled to be in the planning stage or in the construction phase around the same time. If your property development cash flow is limited, the "equity redraw" strategy mentioned above may help you to get the capital you need to handle more than one project at a time.
Take your profits and reinvest them in other areas
Anyone who knows anything about business knows how important diversifying is. You can protect yourself from the risks of engaging in property development projects by taking the profits you receive and investing them in parallel development activities. For example, you can create some income through a rent roll or by hiring out some equipment that you use. This will keep you bringing money in regardless of the condition of the real estate market at any given moment.
Know how to argue for the best possible settlement terms for you
Negotiation is obviously a key ingredient to reaching favorable settlement terms. If you're good, you may be able to negotiate terms that allow you to put off actually paying for your property until after approval risks have passed. This is a great strategy when it comes to development site finance.
Minimize your overhead costs
If you're looking for ways to keep overhead costs down as you engage in development projects, consider hiring consultants for various projects who are specially equipped to advise you on price cutting. This is advantageous in a variety of ways. Perhaps most importantly, hiring project specific consultants for single projects will give you specialized expertise when you need it without requiring you to pay the ongoing salary that could be necessary if you used the same consultant for multiple projects.


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Realities of Real Estate Investing
If you are anything like me, you are always looking for a good way to work for yourself and make tons of money. Is this not the dream of millions of Americans? Of course it is, and I am willing to bet that you have considered getting into the real estate market at some point. You probably figure, you will buy a little and sell a little, and renting? How easy is that? Am I close? Have you ever thought along these lines?
Real estate may seem like a nice straightforward investment opportunity, but it is a tough business. To succeed in this market you will need to invest a lot more than money, you will need to put in a whole lot of time and patience not to mention commitment.
It is true that you could make scads of cash but first you need to know all of the ins and out of the real estate investing business. Knowledge is the key, make sure you have it in spades before you sink any money into an investment.
One of the biggest myths about real estate investing is that you will get rich quick. The average investor will not see a decent income for at least 5 years. Investing in real estate successfully takes time. You may have to hang onto a property for 10 years before you can sell it for a great profit.
Another popular myth is that real estate investing can be a part time job. While of course you can work only part time, if you do you will not be making much money at all. Business is business whether it is real estate or mowing lawns, the more time you put into it the higher your chances for success. And in real estate you hours have to be flexible because you need to meet with people to negotiate when they are available.
If you treat real estate investing like a hobby you cannot truthfully expect to get much of a return on your money. This business takes dedication. You need to run your business like a pro if you want to make the contact you need to make. Get some business cards made up and get them out there. Go all the way and do what needs to be done. You can make hundreds of thousands of dollars in real estate but not overnight. But is it worth it? Of course it is, as long as you have done your research.
Martin Lukac, represents, #1 Loans USA, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more: http://www.1LoansUSA.com
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How to Build A Rental Property Money Machine
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With a job that paid $3.40 an hour, I saved $5,000.
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Selling Houses: Design Psychology Works!
I've taught the concepts of Design Psychology for many years, and I know how much it can empower a person, and allow them to create a fabulous home that sustains their emotions. Since it's based on science, I know that Design Psychology is effective at turning plain spaces into happy places.
Five Things to Help Sell Your Home Fast, and For More Money
Selling your home requires some thought and a clear plan of action. Here are five things to consider when you're getting ready to sell your home:1) Know Your BuyersAre most of the homes in your neighborhood being bought by first-time or move-up buyers? Depending on which group will be looking at your home, you'll want to do the things that will make your home appealing to those buyers.
Selling Your Property Without An Estate Agent
It is possible to save �1,000s selling your home privately and cutting out the estate agent, but what are the issues that you need to consider?Pricing the propertyPrice your property too low and you could short-change yourself from the true market value, price your property too high and you will simply put off potential buyers.Before you put your property on the market, you need to do some market research.
The Professional Investors Plan
The art of using high-leveraged activities.Here I would like to make just a few suggestions that will hopefully save you from wasting years of hard effort only to learn in the end that had you invested using a better strategy, you would have realized more profit, happiness, satisfaction, control and free time as a result.
Green Building Media Fact Sheet - Past, Present & Future
PastSpecialized, niche home builders began constructing resource-efficient, environmentally sensitive homes in the early 1970s. The home building industry coined the phrase "green building" in the late 1980s/early 1990s, turning a movement into a quiet revolution.
Why Mobile Homes?
There are mobile homes for sale, for much less than stick-built houses, in most areas of the country. Despite persistent predjudice against them, and sometimes the people living in them, mobile homes are the cheap housing choice of millions.
Property Investing Secrets 4
Property Investing Secrets:How to Sell to 100% of the Market Place Using Lease OptionsWhen property investing, you will find if you make houses easy for people to buy, your properties will become easier to sell. Most people who are selling houses today are selling to the 80% of the population who have good enough credit to qualify for a bank loan.
The Key to Real Estate Investing Success Revealed!
How did you get into real estate investing? Did you read a book on it? Was it a seminar? A meeting of some sort with speakers dispensing real estate investing information, but really selling courses? Did you get really, really jazzed and pumped up by these simple ("not easy") concepts that were delivered to you in parable form from the stage by a charismatic speaker?Did you find yourself levitating to the back of the room, powerless but to slap down your plastic to buy the kits that were being sold there? Like, "Yes Mr. Ker we do take traveler's checks.
How to Get the Best Price for Your House
The best price to sell your home is always determined by how you compare against your competition, the house down the street. If your property looks better than the next guy's the customer will buy yours.
Choosing a Realtor
Purchasing a property, either as an investor or as a prospective homeowner can be one of the most exhilarating and frightening experiences of your life. In both situations it is imperative that you find just the right property at the right price.
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Savannah Wix is a 21 year old native of Paradise Valley. She is a Senior at Pepperdine University, studying Integrated Marketing Communication and will graduate in April, 2019. After her year as Miss Arizona USA, she is looking forward to pursuing a law degree and plans to specialize in entertainment law. She also has the distinction of winning the Miss Arizona Teen USA title in 2014 and placing in the Top 15 at the Miss Teen USA Pageant.
During her time at Pepperdine, Savannah spent a year studying abroad in Italy, interning for Warner Bros Records, and she served as the President of her sorority, Kappa Alpha Theta. She is passionate about mental health awareness and suicide prevention on college campuses, and looks forward to using the title of Miss Arizona USA to promote these causes.
In her spare time, Savannah loves listening to and playing music, singing, leading an active, healthy lifestyle, and being with her family and friends.


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PhotoWeights® - Est. 2001
Photoweights is dedicated to the art of decorating glass paperweights with photographs, artwork, crafts, and small mementos. In 2001, at a time when the art of personalizing glass paperweights had faded into obscurity, I wanted to re-introduce it to a new generation of artists and crafters using more modern design techniques and a variety of different materials. Since then, I've been thrilled to see a resurgence in this wonderful craft I love so much.
The style and quality of our products is evocative of paperweights produced by American glass makers more than a century ago. Each is beautifully handcrafted in the United States and available in a variety of classic shapes and sizes.
PhotoWeights is committed to helping our customers create their own custom paperweights - from personal keepsakes and thoughtful gifts to branded merchandise, awards, fundraising, and promotion.
What can we help you create?
Susan Eastin
Owner & Founder


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MILPITAS, CA--(Marketwired - Jul 29, 2015) - FireEye, Inc. (
Operating in its current form since at least 2014, APT29 has demonstrated very strong capabilities to adapt to, and obfuscate their activities from, network defense measures - including aggressively monitoring network defenders and/or forensic investigators and attempting to subvert them. Their discipline in operational security sets them apart even from other Russian APT groups FireEye tracks.
"The novel approach APT29 takes to carry out its attacks and maintain their persistence in networks represents a level of difficulty that security professionals could see trickle down into their own network security operations," said Laura Galante, director, threat intelligence at FireEye. "As we continue to track APT29, we will be able to bring more intelligence to light that will help our customers improve their defenses against advanced attacks."
APT29's HAMMERTOSS is comprised of multiple malware tactics in order to achieve its unique obfuscation goals. HAMMERTOSS follows a step-by-step retrieval of commands via common web services that would typically evade initial detection, including:
- Beaconing each day to a different, algorithmically-matched Twitter handle for links and hashtags with commands;
- Following social media links to sites like GitHub that host images with commands hidden within them using a practice known as steganography; and
- Executing commands and extracting data from the victims' machines before uploading them to cloud storage services.
The full report, including examples of APT29's attack lifecycle using HAMMERTOSS, can be accessed at https://www2.fireeye.com/APT29-HAMMERTOSS-WEB-2015-RPT.html.
About FireEye, Inc.
FireEye has invented a purpose-built, virtual machine-based security platform that provides real-time threat protection to enterprises and governments worldwide against the next generation of cyber attacks. These highly sophisticated cyber attacks easily circumvent traditional signature-based defenses, such as next-generation firewalls, IPS, anti-virus, and gateways. The FireEye Threat Prevention Platform provides real-time, dynamic threat protection without the use of signatures to protect an organization across the primary threat vectors and across the different stages of an attack life cycle. The core of the FireEye platform is a virtual execution engine, complemented by dynamic threat intelligence, to identify and block cyber attacks in real time. FireEye has over 3,400 customers across 67 countries, including over 250 of the Fortune 500.
© 2015 FireEye, Inc. All rights reserved. FireEye is a registered trademark or trademark of FireEye, Inc. in the United States and other countries. All other brands, products, or service names are or may be trademarks or service marks of their respective owners.


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Numbers indicated on the chart point to important areas to watch in Ethereum. These are discussed below in an ascending order:
(1) ~$512.82 would see Ethereum (ETHUSD) establish a range that would potentially a rectangle bottom chart pattern should price successfully close above the current 4 hour bearish trendline. A break above the trendline implies a possible resumption in bullish action for Ethereum that is expected to target the price level mentioned above. On the other hand, price action reaching the trendline and failing to break above it implies more selling.
(2) This indicates support region for Ethereum (ETHUSD) that is present between $413.74 and $363.16. The bottom of this range as has was successfully tested March 30, 2018 and April 07, 2018. The top of the support region held price action on June 30, 2018 and is currently being tested at the time of this post. Therefore, it is important to pay attention to this region of support as a price consolidating in the region can serve as a base for the resumption of bullish momentum.
(3) Movement in price action below $363.16 is expected to find a bottom between $299.94 and $241.78 which is another region of support identified in this analysis for Ethereum (ETHUSD). A break below the bottom of this region could trigger an avalanche in Ethereum price.
Interested in Bitcoin (BTCUSD)? Check out the free analysis here. Besides, price analysis of Ethereum Classic (ETCUSD) can be found here.
Join our premium research and analysis group for more information on Ethereum future price prediction and other cryptocurrencies.


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BRITISH Gas has teamed up with the Examiner today to call on readers to apply for `here to HELP'.
Let British Gas take care of the nation's homes - sign up to `here to HELP' and you may be able to:
* Insulate your home for free
* Make sure you're claiming for all you're entitled to
* Benefit from tailor-made products and services from the programme's charity partners
British Gas is investing £100 million a year helping vulnerable customers, the fuel-poor and those claiming benefit.
The `here to HELP' programme encompasses energy efficiency measures, a benefits health check, and a full range of services from our charity partners, which are offered to people depending on their circumstances.
These could include household security measures, products for specific disabilities, advice and support packages tailored to individual needs, together with debt and money advice. People who are eligible may be entitled to:
* Energy efficiency products and advice, such as free or subsidised cavity wall and loft insulation to help keep homes warmer and save money on energy bills
* Increased income through benefits assessments.
* Free, tailored advice and services from `here to HELP' charity partners for families, older and disabled people, those with sight difficulties and people with debt problems.
THE British Gas `here to HELP' programme has been set up in partnership with several major charities to help make up to one million homes warm, safe and comfortable.
What are the benefits?
Local Authorities and Housing Associations can also benefit from British Gas funding for energy efficiency products and other `here to HELP' services for their communities.
`here to HELP' is based on a collaboration of partners from the public, private, and voluntary sectors. It remains unique in bringing together a fragmented approach into a seamless, single programme.
How does the programme work for me?
The `here to HELP' programme has three elements:
1 `here to HELP' Survey
A `here to HELP' representative will visit you to conduct a free home survey to check what energy efficiency measures are needed for your home, which could help reduce your heating bills.
2 Energy efficiency measures
A few weeks after your home survey you will receive a letter from `here to HELP' telling you if you are entitled to FREE home insulation. You will also be notified when we will be able to come back to your home and install it.
3 Other benefits
After the home survey, British Gas `here to HELP' team will call you to advise you of other ways `here to HELP' can help you.
Who can apply for here to HELP?
* Anyone can benefit from `here to HELP'. You don't need to be a British Gas customer. People can contact British Gas and a team of experts are ready to help. People can benefit from:
Free home insulation, benefits check and assistance from the charity partners if they are in receipt of government benefits.
Subsidised home insulation, if they are able to pay.
British Gas is working in 675 communities, in partnership with social housing providers and the chosen charities.
Who are the charity partners and what part do they play in here to HELP?
Royal National Institute of the Blind (RNIB) - the UK's leading charity offering practical support and advice to anyone with sight problems.
It offers practical help around the home through a wide range of products and adaptations, such as special markings to indicate settings on cookers and heating controls.
It provides advice about how improving lighting around the house and using magnifying glasses can help make the most of a person's sight.
It also offers expert advice about social security benefits and other sources of financial help.
It has links with local groups, which enables it to put people in touch with social and recreational activities in their area.
Scope - the national disability charity, focusing on those with cerebral palsy and related disabilities. In Scotland we are working with Capability Scotland - Scotland's leading disability charity.
It provides advice, information and support through eight regional community teams across England and Wales.
It offers information about local services and counselling.
It also offers assistance in accessing equipment and practical support.
Help the Aged - the leading national charity working on behalf of older people.
It delivers the HandyVan service, where available - installing home security equipment in the homes of vulnerable older people.
It offers SeniorLink units - enabling access to a personal, immediate-response telephone service, available 24 hours a day, 365 days a year.
It provides access to SeniorLine, a free and confidential telephone service that provides welfare rights advice for older people and their carers.
Save the Children - is the leading international children's charity working to make a lasting difference to the lives of vulnerable children.
It provides grants, targeted at `here to HELP' zones, that will fund up to 100 projects a year for children and young people to undertake initiatives to make a positive difference in their community.
It provides a website called Help Yourselves that will showcase examples of the projects funded to inspire and enable other children and young people who want to make a positive impact on their local area.
National Debtline - part of the Money Advice Trust. It provides a free, confidential and independent telephone helpline for people with debt problems in England, Scotland and Wales.
It provides a free phone service to help those who have debt problems. Customers can call confidentially to speak to a trained adviser.
It offers a specific free self-help pack (for people in rented accommodation or people with mortgages). The packs cover personal budgets, debt prioritisation, offers of payment and how to deal with court procedures.
Progress report so far?
`here to HELP' progress to date (21st July 2005):
Homes 414,300 homes have signed up to the programme.
Benefits assessment Almost £6.6million pounds of unclaimed benefits has already been identified this equates to an average benefit gain per qualifying household of £1,300 per annum.
Referrals Nearly 33,000 homes have been referred to one or more of the charities involved with the programme. Over 90% of the referrals are completely new contacts for the charities.


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Smoking and Hearing Loss Science links smoking directly to hearing loss: Researchers have known for decades that smoking tobacco poses many risks to health. There have been multiple serious diseasesRead More
Mutated Protein Causes Deafness
Mutated protein causes deafness In 2013, a team of researchers from Tel Aviv University identified mutations in a LINC family protein that could potentially lead to new treatments for hearingRead More
Understanding the Diabetes-Hearing Loss Connection
The Diabetes and Hearing loss connection The American Diabetes Association informs us of the significant risk to hearing imposed by diabetes mellitus. It is estimated that 25.8 million have diabetes.Read More


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A Westhampton Beach Village Board member was accused of trespassing on a former village trustee candidate's property last week, just two days before Friday's election, and questioning his 12-year-old daughter about who lives at the residence.
According to a Westhampton Beach Police Department incident report, Village Trustee Joan Levan is accused of walking onto Stephen Arrasate's Beach Road property at around 1:30 p.m. on Wednesday, June 16, opening a latched gate that leads to the pool area, and sitting down next to his daughter at a picnic table. Ms. Levan then asked the girl who lives at the home, if Mr. Arrasate's ex-wife lived there, and "what other Arrasates live around here," according to the report.
Mr. Arrasate—who ran against Ms. Levan and three other candidates for a seat on the Village Board last year and lost—said his daughter told him that Ms. Levan left after asking the questions. No criminal charges were filed.
When reached Friday morning, Ms. Levan said, "I have no comment."
But on Tuesday, Ms. Levan said she told Westhampton Beach Village Police Chief Ray Dean that she did not trespass. In fact, she said she was home at that time on June 16 with two friends, Freear Pollard Barnwell and June Sellin.
"It was not me," Ms. Levan said.
Ms. Levan said she waited until Tuesday to tell her side of the story based on the advice of her lawyer, whom she declined to identify.
That story did not sit well with Mr. Arrasate.
"I find it interesting that it takes her five days to comment," he said when reached Tuesday.
Chief Ray Dean, who originally declined to comment on the incident, said Wednesday that Ms. Levan did reach out to him to say she did not visit Mr. Arrasate's home. But she never told him that she was home with two friends at the time of the incident. "She never conveyed that to me," Chief Dean said.
Ms. Sellin, who lives in Westhampton, said it was "absolutely true" that Ms. Levan was at her Westhampton Beach home at the time. She said they were sorting envelopes in preparation for last Friday's village election.
"Clearly, somebody must look like her," added Ms. Barnwell, who lives in Remsenburg. "And a 12-year-old child will not really know."
The police report notes that Mr. Arrasate's daughter did not know who Ms. Levan was at the time; she described the trespasser as an "elderly female with blond and gray hair wearing glasses, a green shirt and white pants," according to the report.
But Mr. Arrasate's father, James Arrasate, who lives next door, told police he saw Ms. Levan on his son's property, according to the report. The elder Mr. Arrasate also told police that Ms. Levan came to his residence and knocked on his door twice before leaving.
The younger Mr. Arrasate said he is not pressing charges, but he did file an incident report the following day. He said Friday that he was "pretty ticked off" that a person—let alone a village trustee—would walk onto someone's property and question a minor. He said he filed the police report to let the person who trespassed know that he felt that what she did was wrong. "It's wrong to question a 12-year-old," he said.
Mr. Arrasate said he did not know why Ms. Levan might have trespassed on his property, but he guessed that she was trying to ascertain who was living there so she could figure out how many people could legally vote in the election on Friday.
Ms. Levan's running mate last year, Westhampton Beach Village Trustee Hank Tucker, lost his bid to unseat incumbent Mayor Conrad Teller on Friday. Mr. Tucker still has one more year remaining on his trustee term. Both he and Ms. Levan are up for reelection next June.


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Regular price
The Brownie is a simple looped-frame bicycle, designed for cyclists who want a sturdy, classic bike that can handle a few hills.
It features cream tyres, stylish gloss paintwork, a comfy Bobbin brown sprung saddle, 7 speed Shimano gears and comes in a large range of sizes and colours.
*Comes in brown saddle originally. To upgrade to the featured Brooks leather black saddle (featured in photo), total retail price will be $1080*
Also available in Raspberry, Moody Blue, St Ives Green and Blueberry.
Loop Frame
Swept-back Bars
7 speed
2 sizes
26" or 700c wheels
Brown Saddle
S - 43cm (26" wheel)
M - 52cm (700c)
*Note that demo pieces (DEMO PC) are pieces displayed in the showroom and may have been subject to test-rides or loans from previous customers. They may thus be in used condition with possible scratches, dents or dirty tyres. We advise all customers to inspect demo pieces for any scratches, defects, or imperfections before purchase as promotional pieces are non-refundable or exchangeable. Thank you!


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Lesson 20
Simple statements like we've been studying are excellent for expressing clear, concise, and straightforward ideas. Their adherence to a consistent SVO word order always provides us with enough information to determine the sentence's actor, his or her action, and the recipient (if any) of that action.
Sometimes, though, we want to express not simply straightforward ideas, but the relationship between multiple ideas. One way of forming such complex sentences is connecting together simple statements with what are called coordinating conjunctions (so called because they conjoin two independent sentences of relatively equivalent, or coordinate, value). Let's look at an example in English.
Here, we have two simple statements, bravery is good and he is not brave, that are linked together with the coordinating conjunction but. Taken individually, each statenebt us a complete and functional sentence on its own. When they are connected together by but, a logical relation is established between them: as a general condition, being brave is a good thing — he is an exception, though, he stands in contradiction to the general condition and is not brave. But tells us that the relation between the two connected sentences, technically called independent clauses, is one of opposition or contradiction.
In D'ni, we would write the same sentence this way:
As in English, the two independent clauses — KeraT Kenen ram and ril Kenen Kera — are connected with a coordinating conjunction, rUb, meaning but. Notice that there is no punctuation, such as the comma we use in English, to separate the two clauses; D'ni has no such punctuation.
Another D'ni conjunction is pam, or, which connects two clauses that are mutually exclusive alternatives. For example, it might be said of Riven that Atrus is always writing the Descriptive Book or the Age dies.
The sentence offers two distinct possibilities. Whichever alternative comes to be true, the other one must necessarily not be true — either Atrus keeps writing and the Age lives, or the Age dies because Atrus has stopped writing.
ga, and, is the most frequently used coordinating conjunction. It indicates that the two clauses are connected together because of their similarity, association, or consequence. In Aitrus' From D'ni to the Surface, we read about a curious lizard:
These two independent clauses are connected together with ga because the second is a consequence of the closely associated first: This lizard spits acidic saliva, and as a result it (the saliva) dissolves the rocks.
Of course, coordinating conjunctions be used to string together more than two independent clauses:
D'ni coordinating conjunctions thus work very similarly to how they work in English, by connecting together simple statements and telling us something about the relationship between those statements, with the one significant difference that there is no punctuation to set the statements apart.


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Australia is blessed with some of the world's best natural oils. The Australian Natural Soap Company use their own natural soap-making process to bring these beautiful ingredients to your bathroom.All their soaps are cruelty free, paraben free, palm oil free, detergent free and vegan. And everything is handmade in Melbourne.
Centreway Arcade Shop 12, 259-263 Collins St
Melbourne VIC 3000
Phone: 9077 5444Mobile: 1300 727 email@example.com
Step-free access
Wheelchair accessible
Public Transport Victoria


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The nearly unanimous view is that the news from Worldwide Developers Conference was a net positive for Apple.
I respectfully disagree. To me, there was no "wow" announcement, nor were the announcements that were made significant enough to support further strength in the Apple ecosystem.
My view is that we're well through the last important upgrade cycle for the company's key phone product now, and that neither Apple Pay nor the Apple Watch will move the sales-and-profit needle enough to support AAPL's current price.
To me, Apple is "over-owned" and investor sentiment toward the stock is high, as manifested in its elevated price-to-earnings multiple relative to other hardware companies.
I still view Apple as an electronics company. Although the bulls see it as a precursor to more of a computer-programming platform (and there's some truth that sentiment), that path won't be a smooth one. The business landscape is more competitive, and perhaps not as profitable as some project.
So, I see "Peak Apple," and I added to my Apple short yesterday.
Position: Short AAPL
Article Originally published on http://www.thestreet.com/story/13181239/1/a-tart-take-on-apple-a-media-blather-index-and-seeing-upside-in-banks-best-of-kass.html


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Coming Soon
A Pinspiration Craft Studio is coming soon! Sign up below to receive updates and a Grand Opening Party invitation!
Coming Soon
Craft Studio Located in Gainesville, FL .
A Pinspiration Craft Studio is coming soon! Sign up below to receive updates and a Grand Opening Party invitation!
Any Craft, Any Time
1. Choose Your DIY
Select a project from dozens of our current craft options including art, decor, gifts, and accessories. Each person in your group can select their own, unique craft.
2. Make a reservation or walk in
3. Have fun!
4. Take it home
Go home with your completed, handmade craft, ready to be enjoyed in your home.
The Pinspiration Experience
Watch the video below to learn more about the Pinspiration crafting experience.
Studio Information
Pinspiration Gainesville
1132 NW 76th Blvd.,
Gainesville, FL 32606
Operating hours will be announced closer to opening. We will have both weekday and weekend appointments available.
Projects Coming Soon to Gainesville, Florida
About the Owner
So Many Pins, So Little Time..
Katherine Osman was born in Michigan, grew up in Canada, spent a year of college in Sweden, and lived in Saltillo, Mexico for three years, but has called Gainesville, Florida her home for over 15 years. She has been with Oak Hammock at the University of Florida since its inception and has risen to the position of Director of Community Services, a job she thoroughly enjoys.
With Pinspiration, she's going to be bringing her love of all things crafty to Gainesville. Pinspiration is a family affair. Husband Todd and sons John and George are very supportive and daughter Rachel, a costuming major at the University of Florida, will be joining Katherine working at the studio. Come visit them at Newberry Square in Gainesville – they can't wait to create with you!


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EMS Statute and Regulation
Kentucky Revised Statute (KRS) 311A is the basic governing law of Emergency Medical Services in Kentucky. The statute helps the entities and the people who supply EMS to this Commonwealth know their duties, responsibilities, and boundaries under the law. KRS 311A addresses such issues as how the Board came into existence, the representative members of the Board, the certification or licensure requirements for various entities, and so much more. The links below will take you to the statutory sections you need to help provide services as an EMS agency or personnel.
The regulations found at the links below are the rules that build upon the basic framework of KRS 311A. In essence, statutes tell what the law is while regulations are rules that tell how to carry out that law. If you have questions about how to interpret a regulation, how to put the regulation into action in real-time, or how to carry out duties and obligations found within the regulations, contact KBEMS through the Support Portal for assistance.
Kentucky Revised Statute
KRS 311A.010 Definitions
KRS 311A.015 Establishes Board
KRS 311A.020 Powers and Duties of the Board
KRS 311A.025 Levels of Certification
KRS 311A.027 Residence Requirement Prohibited
KRS 311A.030 Board Authority
KRS 311A.032 Posting of Fee Schedules of Licensed Ambulance Providers
KRS 311A.035 Functions of the Board
KRS 311A.040 Advisory Opinions
KRS 311A.045 EMSC Program
KRS 311A.050 Restrictions on Persons Not Licensed or Certified by the Board
KRS 311A.055 Complaint Process
KRS 311A.060 Sanctions for Violations
KRS 311A.065 Mental or Physical Examination Requirements
KRS 311A.070 Written Notice of Complaint
KRS 311A.075 Immediate Temporary Suspension
KRS 311A.080 Persons Prohibited from operating Ambulance Services
KRS 311A.085 Professional License Discipline Notification Requirements
KRS 311A.090 Notification Requirements for New Criminal Convictions
KRS 311A.095 Expiration of Licenses and Certificates
KRS 311A.100 Board Authority for Background Checks
KRS 311A.105 Notification of Address Change
KRS 311A.120 Education Courses and Continuing Education
KRS 311A.125 Continued Competence for Paramedics
KRS 311A.130 Requirements of In-Service Training
KRS 311A.135 Development of Paramedic Licensure and ReLicensure Programs
KRS 311A.140 Emergency Medical Technicians
KRS 311A.142 Reciprocity for Military
KRS 311A.145 Fees and Charges
KRS 311A.150 Priviledges and Immunities of Paramedics and First Responders
KRS 311A.155 Emergency Medical Services Grant Program
KRS 311A.160 First Responder Permitted Activities
KRS 311A.165 EMT Permitted Activities
KRS 311A.167 Procedures that an Advanced Emergency Technician can Perform
KRS 311A.170 Paramedic Permitted Activities
KRS 311A.175 Scope of Practice Requirements
KRS 311A.180 Process for Medical Control Documents and Protocols
KRS 311A.185 Determination of Death Requirements
KRS 311A.190 Information furnished to the Board by Providers
KRS 311A.195 Administration of Epinepherine by an EMT
KRS 311A.200 Limited Certification of Felons in Correctional Institution
Kentucky Administrative Regulation
202 KAR 7:010 Definitions for 202 KAR Chapter 7
202 KAR 7:020 Board Organization
202 KAR 7:030 Fees
202 KAR 7:055 Advisory Opinion
202 KAR 7:201 First Responders
202 KAR 7:301 Emergency Medical Technicians
202 KAR 7:330 Advanced Emergency Medical Technicians
202 KAR 7:401 Paramedics
202 KAR 7:501 Ambulance Providers and Medical First Response Agencies
202 KAR 7:510 Air Ambulance Services
202 KAR 7:520 Block Grant Funding
202 KAR 7:540 Data Collection, Management, and Compliance
202 KAR 7:545 License Classifications
202 KAR 7:550 Required Equipment and Vehicle Standards
202 KAR 7:555 Ground Agencies
202 KAR 7:560 Ground Vehicle Staff
202 KAR 7:565 Clinical Pilot Programs
202 KAR 7:575 Fee schedules of licensed ambulance providers
202 KAR 7:601 Training, Education, and Continuing Education
202 KAR 7:701 Scope of Practice
202 KAR 7:801 Medical Directors
202 KAR 7:810 Survivor Benefits for Death of Emergency Medical Services Personnel
Regulation Education:
202 KAR 7:540 Data Collection, Management, and Compliance
Public Hearing And Comment Period:
A public hearing on 202 KAR 7: 020- Board Organization shall be held on November 26, 2019, at 1:00 PM Eastern Standard Time at the Kentucky Board of Emergency Medical Services, 118 James Court, Lexington, Kentucky 40505. Individuals interested in being heard at this hearing shall notify this agency in writing by five (5) workdays prior to the hearing of their intent to attend. If no notification of intent to attend the hearing is received by that date, the hearing may be canceled. This hearing is open to the public. Any person who wishes to be heard will be given an opportunity to comment on the proposed administrative regulations. A transcript of the public hearing will not be made unless a written request for a transcript is made. If you do not wish to be heard at the public hearing, you may submit written comments on the proposed administrative regulation. Written comments shall be accepted through November 30, 2019. Send written notification of intent to be heard at the public hearing or written comments on the proposed administrative regulation to the contact person.
Contact person: Jeffrey S. Walther, Legal Counsel, Kentucky Board of Emergency Medical Services, Walther, Gay & Mack, PLC; 163 East Main Street, Suite 200, Lexington, Kentucky 40588, phone (859) 225-4714, fax (859) 225-1493, email: firstname.lastname@example.com.
The proposed regulation can be viewed at:
202 KAR 7:020. Board Organization


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Detroit Startup StockX, In 'Hypergrowth' Phase, Closes On Record $44M Series B Funding RoundWednesday, September 12, 2018 - 7:58pm | 665
Detroit startup StockX, which has pioneered a stock market for sneakers and IPOs for consumer goods and charities, announced a $44-million Series B funding round Wednesday led by Alphabet Inc (NASDAQ: GOOGL) (NASDAQ: GOOG)'s Google Ventures and Battery Ventures. Benzinga has covered...
Why HP Is Finally 'Waking Up' And Considering The Benefits of Splitting Its BusinessTuesday, May 26, 2015 - 10:29am | 440
When Hewlett-Packard Company (NYSE: HPQ) reported its latest earnings last Thursday, very few were expecting the company to make any sort of announcement regarding the proposed splitting off of company's businesses. However, on the earnings call, HP CEO Meg Whitman surprised the Street by...


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"BESTLABS Email Virus" is an e mail spam marketing campaign similar to "americaEmail Virus" "Lloyds bank electronic mail Virus", "quotation Inquiry e mail Virus", and many others. Crooks use this junk mail marketing campaign to proliferate a high-threat virus referred to as LokiBot. more commonly, cyber criminals send hundreds of misleading emails encouraging users to open attached files. however, through doing so users grow to be infecting their computer systems.In "BESTLABS Email Virus" campaign emails are provided as a notification concerning user's order. The message certainly asks users open an connected MS office file and verify that the rate and shipping date are correct. however, as stated before, commencing the record consequences in an infiltration of LokiBot. observe that the email is signed by way of a organization named Bestlabs Singapore.
However, that is just a conceal. Cyber criminals frequently hide in the back of names of valid groups and governmental businesses which will growth the quantity of infections. This absolutely works, when you consider that users are manner more likely to open documents which are obtained from acquainted names. LokiBot works on each Microsoft home windows and Google Android working structures. it's most important purpose is to collect touchy statistics by means of stealing saved logins/passwords from the web browsers, recording keystrokes, and other comparable data. as soon as recorded, statistics is stored in a remote server controlled via cyber criminals. those individuals might subsequently hijack bank, social network, and different non-public bills. manifestly, those individuals purpose to generate as a great deal revenue as viable. for that reason, hijacked debts are very likely to be abused thru on-line purchases, cash transactions, and so on. In other words, presence of LokiBot virus might result in severe privateness issues and considerable financial losses. if you've lately opened any attachment from this electronic mail campaign, there is a high credibility that your computer is inflamed.
Consequently, we especially propose to run a full system experiment with a good anti-virus/anti-spyware suite and cast off all detected threats.LokiBot shares many similarities with dozens of other trojan-type viruses distributed e-mail junk mail campaigns. TrickBot, Adwind, FormBook, Emotet – the listing goes on and on. The conduct of these viruses would possibly slightly differ – some accumulate facts, a few proliferate other viruses, and so forth so forth. but, on the end of the day all of those trojans have one factor in common: they pose direct chance to user's privateness and laptop safety. for this reason, removal is paramount.
How did "BESTLABS Email Virus"infect my computer?
As referred to above, "BESTLABS Email Virus" campaign proliferates a malicious Microsoft office attachment. as soon as opened, this report straight away asks victims to permit macros. however, by doing so, users inadvertently furnish record a permission to infiltrate LokiBot into the system. This malware distribution method is easy and powerful. however, it has a large flaw. Macro commands can handiest be done if user opens record the use of MS office suite. In other phrases, if (for instance) .doc report is opened the usage of some other application than MS phrase, the malware will now not be downloaded. As cited above, LokiBot goals simplest home windows and Android running systems, which means that that users of other systems are safe.
A way to avoid set up of malware?
In order to save you this situation customers need to be very careful when surfing the net. always be sure to carefully analyze every single email attachment obtained. files which might be beside the point/sudden and those obtained from suspicious e mail addresses have to in no way be opened. other than that, constantly be sure to have a good anti-virus/anti-adware suite hooked up and strolling. these gear are very possibly to hit upon and cast off malware earlier than it does anything awful. word that 2010 and more recent variations of MS workplace are designed to open newly-downloaded documents in "included View" mode.
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LITTLE MIX & CHEAT CODES Collab "Only You" Is Here!
Karen Jane Ng
Posted at
Clearly, nothing else could fix us but new music from Little Mix and Cheat Codes!
The group's first ever collaboration "Only You" - which has already become our favorite song of the year so far - is finally out and all yours! Go cry and miss your ex all you want, but it ain't gonna stop you from playing this bop a hundred (or more) times.
Courtesy: Little Mix


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Tag Archives: probability
Intuitive Interpretation of the Presence of the Combination Formula in Solutions to Problems that are Seemingly Unrelated to Combinations
This post will give an intuitive interpretation of the presence of the combination formula (which equals the binomial coefficient) in math problem solutions and probability distributions that are seemingly unrelated to combinations. For example, the binomial coefficient shows up in the probability mass … Continue reading
Tagged math, probability 1 Comment
Probability Distributions Reference Table
Table Description I have uploaded a reference table that I created with common probability distributions. Although the same formulas and similar descriptions can be obtained on Wikipedia, I find it useful to have the information contained on one table. The … Continue reading
Tagged math, probability, references 3 Comments


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Looe, Cornwall, England ( Map)
Sand Bar is a seaside ground floor apartment in the coastal village of Seaton overlooking the beach with sea views, close to the resort of Looe. The apartment sleeps two people and has one double bedroom as well as bathroom with bath and shower over. There is an open-plan living area with comfortable seating, dining area and kitchen. Outside is a patio with furniture for alfresco dining and there is also a shared lawned garden with flowers and borders. There is off road parking for 1 car within the grounds, just a short walk from the property. Sand Bar apartment is suitable for couples.
All ground floor. One bedroom: 1 x double. Bathroom with bath with shower over, basin and WC. Open plan living area with kitchen, dining area and sitting area.
The village of Seaton is at the mouth of the River Seaton in Cornwall and you will find a family friendly south facing beach and the nearby Seaton Valley Countryside Park and Nature reserve is home to wildlife, including otters and kingfishers and also offers great cycling and walking opportunities. The picturesque working harbours at Looe and Polperro are within an easy driving distance away
Last Updated: 2020-01-28 03:22:25


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OTA-102 - Occupational Therapy Assistant 23 credits
Emphasis in this course is on the development, restoration and compensation of occupational performance. The student will acquire the knowledge and practical skills necessary to participate in the screening, evaluation, and treatment process for patients with physical dysfunction. The student will be educated in the principles of remedial, habilitative and rehabilitative practice and have the opportunity to observe these skills in area facilities and the campus Rehab clinic. This is a web-assisted course; all class meetings are held on-site, supplemental materials are available on Blackboard.
Prerequisite(s): OTA-113, LIB-100 BIO-232 ENG-101 MED-134
Corequisite(s): OTA-102L
Previously known as: OCCP-200


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On Friday, I had the most wonderful moment -- a package of fabric from Sew Love Fabrics courtesy of mab and her wonderful giveaway.
When I saw the FQ bundle of Joel Dewberry's Aviary 2 in granite, I knew I had to have it.
I still don't know what I'm going to do with my pretty new fabric, but it's so fun to look at right now :)
I also asked Ruth to surprise me with a FQ from Anna Maria Horner. Can I tell you I turned into a giddy school girl when I saw /two/.
And the even cooler part of this? They coordinated with the half-yard selections of Anna Maria Horner fabric my SIL gave me for Christmas.
Still looking for inspiration but at least I can look and smile and touch and be goofy :)
And happy.
Thanks again to the lovely mab and Ruth :)
P.S. Sorry about the quality of these pictures. The view finder on my camera (i.e. my husband's Android phone) stopped working.


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13+ lebenslauf handschriftlich
At the event the bill is sent before payment is Made, it is also likely to be a reminder that the payment will need to be made at a subsequent date. Overall the invoice has to be made in such a manner that even after placing all the specifics of the transaction, it appears sophisticated. On the reverse side, if you're a client, the invoice you get is your own bill, and you'll get a receipt once you pay your invoice. Since you're conversant with invoice, a Proforma Invoice can be a really new. A proforma invoice appears very similar to an invoice, but it's going to clearly state that it is a proforma invoice. After a proforma invoice is delivered to the potential client, that person can then make a decision should they would love to go through with the transaction based on the information they see, or they could return with a negotiation to change the range of work, or even ask a different cost, and the conversation continues from there. Journal proforma invoice is just another superb choice for you whether you're in the hunt of the right invoice template on the internet.
Fundamentally a statement comprises some information Linked to the professional services provided by your company. You'll find lots of statement generating software on the internet that could automatically create your bill slip. A pro forma invoice is presented in the region of an industrial statement whenever there is not any sale between the sender and the importer (for instance, in the case of an RMA for replacement goods), or in case the details of the sale between the seller and the buyer are these a commercial invoice isn't yet available at the ideal time of the worldwide shipment. The previous invoice total is going to be the exact same or close to the sum on the pro forma invoice.
Invoices form a vital role in any company. You Might have known of a proforma invoice, as it is very similar to a quote and a statement. A proforma invoice is a type of sales quote that is ordinarily utilized to verify the trade or as an authorized fiscal quotation paper before purchasing the merchandise.
Invoices are not exactly the same as receipts. Both Invoices have different functions and functions to carry out. Preparing an invoice may be among the daunting tasks since there are plenty of questions which appear in anybody's mind when creating an invoice. On the flip side, a statement is understood to be the bill for clients, which further turns into reception as soon as they cover their due volume. Although commercial bills have plenty of details that bills require, it is not normally employed for repayment in European nations. A commercial invoice is therefore like a proforma invoice, but also for the easy fact a proforma invoice isn't a finalized document. When closing industrial bills are being ready before shipment, it's a fantastic idea to check to a regional U.S. Commercial Service office for any identifying invoicing provisions that might be needed from the importing state.
An invoice comes before the payment has been made, even Though a receipt comes after the payment has been made. Proforma invoices are used to supply documentation for habits to demonstrate the worth of goods that you will need to deliver. Since most proforma invoices supply the purchaser with an exact sale cost, moreover, it estimates any fees or commissions such as applicable taxes.
There are actually many varied forms of invoices Out there, and your company might require ones which are more specific. Moreover, it's effective at generating the invoices depending on the industry specific requirements with customized billing. Please be aware that there are a whole lot of special varieties of invoices, each for various kinds of services, goods, and payment agreements made between the vendor and his client. It's also imperative that you have the right invoices to assist your organization work efficiently.
A bill may or might not incorporate any of those Aforementioned, but an invoice usually will. It's a statement since it has the itemized list of merchandise sold or services provided, along with the sum of money owed for every product, and a total amount owed. It is going to also include details about the purchase and will outline the entire sum which needs to be paidoff. Since the new invoice is a digital record that needs to be carried by transporters for the motion of any sort of products, it may be generated within an extremely automated manner by way of a variety of transport computer applications suites. Our totally free bill of sale template was fashioned for the sale of a car or automobile.
You've got the capacity to make the invoice yours. Besides the above mentioned, there are more fundamental benefits of deploying an ERP that is a blessing to buying house agencies. With that method you'll have the opportunity to check the vital components and you will come across an excellent comparison of the capacities of every program.
Group invoicing is a guide Type of billing that Lets you charge or schedule bills for several customers at the exact same moment. No matter how you are used to the usual methods of billing, there's perhaps a simpler means of charging your customers and that is through online invoicing. Recurring billing enables you to automatically bill clients that have subscribed to some good or service that you offer on a typical basis. Aria's agile billing and sales management technique is completely automated and supplies a group of easily adjustable invoicing options to satisfy your precise business and compliance requirements.
You are able to find invoiced services for that Revenue recognition isn't to occur until a specific event occurs to another revenue account. If you've got less than five clients, you can utilize Zoho at no cost. Whatever business you do, if you are dealing with clients then you are charging to your services and products. To acquire the easy access of digitized info and streamline the financial sections, business demands an efficient companion to deal with invoices and purchase order. Whether it's a first-time program purchaser or a business seeking to make the change out of 1 product to another, Category Leaders provides a thorough collection of the greatest solutions utilizing a distinctive, five-factor scoring methodology. Owner's Mindset Many folks say that owning a business is easily the most rewarding and also the toughest endeavor it's potential to undertake. If you're operating a global business and have customers in a range of countries, you will require software that gives the ability to bill and receive payments in numerous currencies.
Although your bill is always a part of your account Document, you can print a difficult copy of each invoice straight from the Appraisal Desktop without opening each report. After you've discovered a statement which suits your requirements, double-click it to add it in your report and then drag this up into the cap of this listing of forms in your document on the best. Invoices in default will probably comprise but are not limited to fees for collection and legal expenses. They will be generated for the previous month at the start of each month. Zoho Invoice is part of the wider Zoho package of online software products that contain all of the fundamental features micro companies will need to begin, and more advanced tools that grow with your business. Furthermore, there are paperwork which could be assigned immediately. Handling paperwork efficiently is crucial in increasing productivity.
Writing proposals is a tedious job to ensure it is Reasonable create a template and alter the pieces that relate to the revenue opportunity and customer's needs. Many SaaS plans additionally consist of robust support. Furthermore, there are apps which are a good deal simpler and focus on just the most significant undertaking of creating invoices.
Some billing software is very elaborate and provides A vast selection of tools beyond just invoicing. Ultimately, medical billing applications can wind up saving you a significant sum of money. It can help you catch potential mistakes. Oftentimes, it will incorporate a way of collecting and processing payments. There's software which allows for recurring charge and subscription management. You might use the software to put forward an organized and prompt approach which could boost your standing with your clients.
Create bills yourself There are surely lots Of excellent desktop publishing computer applications choices which make making invoices easy and easy. Another choice is to create an in-house solution in which you acquire or employ a set of professionals for the maturation of a customized solution based on your needs and wishes. There are many choices out there and the ideal billing applications for every individual firm will ride their distinctive needs.
Bill all open documents or select the list you would like. The list is often as simple as index cards or a simple spreadsheet with each of the prospects information and when they were last contacted. The listing of product, however, goes on. Whether you opt to employ or just leave your data, we expect staying connected with you personally. Invoice Details When generating invoices, lots of configurations are available which determine the way by which the invoice will be generated. Often a very simple phone call or a succinct discussion suffices to take care of the problem available.
Most people look at composing a resume as only Something you've got to do to have a job. Instead, you need to tailor your resume for each and every job that you employ.
In Google, lots of individuals are hired for a Single job but now operate in a totally different department doing something different. You will learn the difficult skills you'll have to do a job, it is the delicate abilities and attitude that things. To start with, you have got to make an application for the job by sending a replica of your biodata, then in the event the biodata becomes shortlisted, you'll have to face a series of tests and interviews. There needs to be a plan behind everything that you do at a project searchincluding how you expect other people to refer to you. Everybody can say which he or she excelled at their final job.
Third, you should be aware nobody owes you a project. A great deal of hospitality jobs will also require you to be on your feet for lengthy intervals. Primarily, you may be lucky enough to find and make an application for a job posting during your school's career centre or an internet job board. To begin with, have a very good look at the job posting itself. The candidates who are interested to locate the do the jobs in the Chennai region, must employ, by obeying the thorough information regarding the vacant posts in the business enterprise.
The next sort of resume format is known as the Hybrid or blend format. The format will be determined by the job sector along with the job. The structure of your resume is equally as crucial as the information that you set inside. Each resume format includes a particular purpose and highlights distinct parts of the candidate's professional history. The chronological resume format is now the very traditional format. Aside from starting with your own contact information, there is no typical format for a CV.
For Each and Every career seeker who would love to join Our system of job hunting. In addition, be mindful to not accidentally add the contact information in the header as applicant tracking systems might not have the capacity to read it. By turning to some Professional project member of Dubai City Company you are completing a job application to boost your personal chances of getting work. All you have to do is filling out a work program and after that follow education.
Well, Whatever stage you are in your Career, you're very likely to should learn how to create a resume for a job interview and we will describe to you how! Building a career in hospitality means using the appropriate attitude and character, which is precisely why adding a personal attributes section can really demonstrate how you would be valuable to a specific employer. In addition, it is not necessary to include it in case you have five or more years experience. Make certain you mention skills which may be valuable at the job for which you are currently employing. To begin with, it is likely to help you determine if you are missing any critical abilities that recruiters want.
You don't want all of your descriptions to seem the exact same. Then think about prioritizing the details you supply in each individual description. Once you have composed a work description, begin looking for techniques to generate your excuse more succinct. Before you commence adding project descriptions into your resume, you may want to make a list of accomplishments at every one of your tasks. You might also want to review the Housekeeping job description and perfect job qualifications segments so you're going to get a better idea about the best way best to generate your resume stand out more.
Should you produce a list (for instance, a listing of Your job accomplishments ), consider using bullet points. Don't forget, every Component of your job search ought to be strategic. The precise Selection of Personal details you need to provide may ride in your circumstances and what the Project needs, but the listing below will supply you with a guide. Before delving Into what info you should add, it is important to keep in mind the Information you include will largely be dependent upon the format you go for. The absolute Most important point to keep in mind is that the info you place up front should Be absolutely the most crucial for your own CV's purpose. Additionally, it doesn't Need to contain information in chronological order, nor does this must pay Your entire career. Personal branding website if you have got one.