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Wealth & Pension Services Group
William Kring, CFP, AIF - Chief Investment Officer
The Quarter In Brief
The opening quarter of 2017 was a historic one for Wall Street as the Dow Jones Industrial Average topped 20,000 for the first time. Equities rallied through January and February, then lost momentum in March; even so, the S&P 500 had gained 5.53% YTD when the quarter ended. The Federal Reserve raised the federal funds rate for only the third time in a decade, in response to strengthening inflation pressure and other signals of economic acceleration. Consumer confidence remained high. Commodities had a decidedly mixed quarter. New home sales improved, while existing home sales tapered off. The U.K. took another step toward its Brexit; the U.S. left the Trans-Pacific Partnership. Wall Street kept its hopes up for tax reform and lighter business and banking industry regulation.1,2
Domestic Economic Health
As the stock market climbed, so did the Conference Board's consumer confidence index. By March, it had reached an astonishingly high mark of 125.6. The University of Michigan's household sentiment index declined from 98.5 to 96.9 across the quarter, but it remained well above its historical average of 86.0.3,4
Factory and service sectors expanded nicely during Q1, according to the Institute for Supply Management. The Arizona-based organization's manufacturing purchasing manager index was at 56.0 in January, 57.7 in February, and 57.2 in March. Its service sector PMI (the March number was not available at this writing) came in at 56.5 in January and 57.6 in February. All these numbers indicate solid growth.5,6
One other sign of economic growth, of course, is inflation. In Q1, it became more palpable. By February, the Consumer Price Index had risen 2.7% in a year (the annualized advance on the core CPI was 2.2%). Producer prices were up as well. The headline PPI showed a 2.2% yearly advance in February, with core prices gaining 1.5% over 12 months.3
Less positive data shows tepid consumer spending at the beginning of 2017 with personal spending up just 0.2% in the opening month of the year and only 0.1% in February. Bank lending inexplicably slowed during the 1st quarter.
This data in and other encouraged the Federal Reserve to make its first interest rate move of the year. On March 15, it announced a widely expected, quarter-point hike, taking the federal funds rate to a target range of 0.75-1.00%. As Fed chair Janet Yellen told the media after the policy announcement, "The simple message is, the economy is doing well." Investors who assumed the hike was coming scrutinized the Fed's dot-plot forecast for any 2017 changes; they did not find any. Two incremental rate increases are still projected before the year ends.9
Global Economic Health
In late March, the United Kingdom formally triggered Article 50 of the Lisbon Treaty – the beginning of the Brexit, if you will. It now has until April 2019 to negotiate the terms of its departure from the European Union. Will it retain single market access after the Brexit, so that its citizens can keep working and living in other E.U. countries without visas? Or will it make a "hard" Brexit, a divorce dictated by court decisions and/or World Trade Organization rules that would cause its people to lose E.U. citizenship rights? In April, the negotiations begin. The euro area jobless rate stood at 9.5% as of February, a low unseen since May 2009. Eurostat estimated an inflation rate of 1.5% for the euro area for March, an 0.5% decline from February.11,12
It is worth noting here that we think that Europe is finally emerging as a solid alternative to the US, given the low expectations and possible improvement in the overall economy.
Looking Back at the Numbers...
Looking Forward
On March 31, the key U.S. equity indices settled at these levels: Dow, 20,663.22; Nasdaq, 5,911.74; S&P 500, 2,362.72; Russell 2000, 1,385.92. The Russell did not quite gain as much as the big three in Q1 – it was up 2.12% YTD when March concluded.
Some truly remarkable things happened in Q1. The Dow closed at a record high for 12 straight trading days – a feat that last occurred in 1987. The blue chips also went on an 8-session losing streak for the first time since 2011. Above are returns with dividends.
With this great quarter now history, investors wonder what to expect out of Q2. A bullish outlook still predominates on Wall Street; though, questions linger. Is the market overbought, with a correction ahead? Is the market at a top? How much of a lift can stocks get from this next earnings season? Unless yearly earnings growth is dramatic, perhaps only a minor one. The stock market has once again outperformed the economy, but that has not troubled Wall Street to significant degree. This old bull market has already surpassed analyst projections – in March, Fortune reported that the consensus forecast for 2017 had improved to a yearly gain of somewhere between 4-10%. Could the bulls run all through this next quarter and, perhaps, for several more to come? As CFRA chief investment strategist Sam Stovall recently commented, "Bull markets don't die of old age, they die of fright. And what they are most afraid of is recession." With no hint of recession on the near-term horizon, the upward stock market trend may continue through spring.26
William Kring, CFP®, AIF®
Chief Investment Officer
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the "NYSE") and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. The DAX 30 is a Blue Chip stock market index consisting of the 30 major German companies trading on the Frankfurt Stock Exchange. The CAC-40 Index is a narrow-based, modified capitalization-weighted index of 40 companies listed on the Paris Bourse. The FTSE 100 Index is a share index of the 100 most highly capitalized companies listed on the London Stock Exchange. Nikkei 225 (Ticker: ^N225) is a stock market index for the Tokyo Stock Exchange (TSE). The Nikkei average is the most watched index of Asian stocks. The S&P/TSX Composite Index is an index of the stock (equity) prices of the largest companies on the Toronto Stock Exchange (TSX) as measured by market capitalization. The All Ordinaries (XAO) is considered a total market barometer for the Australian stock market and contains the 500 largest ASX-listed companies by way of market capitalization. The SSE Composite Index is an index of all stocks (A and B shares) that are traded at the Shanghai Stock Exchange. The MSCI World Index is a free-float weighted equity index that includes developed world markets, and does not include emerging markets. The MSCI Emerging Markets Index is a float-adjusted market capitalization index consisting of indices in more than 25 emerging economies. BSE Sensex or Bombay Stock Exchange Sensitivity Index is a value-weighted index composed of 30 stocks that started January 1, 1986. The Hang Seng Index is a free float-adjusted market capitalization-weighted stock market index that is the main indicator of the overall market performance in Hong Kong. The US Dollar Index measures the performance of the U.S. dollar against a basket of six currencies. The Russell 2000 Index is a small-cap stock market index of the bottom 2,000 stocks in the Russell 3000 Index. The PHLX Oil Service Sector Index (OSX) is a price weighted index composed of companies involved in the oil services sector. The S&P GSCI is the first major investable commodity index. The CBOE Volatility Index® is a key measure of market expectations of near-term volatility conveyed by S&P 500 stock index option prices. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the professional.
1 - marketwatch.com/story/markets-were-full-of-green-in-the-first-quarter-with-a-few-dashes-of-red-2017-03-31 [3/31/17]
2 - barchart.com/stocks/indices#/viewName=performance [3/31/17]
3 - investing.com/economic-calendar/ [3/31/17]
4 - tradingeconomics.com/united-states/consumer-confidence [4/2/17]
5 - instituteforsupplymanagement.org/about/MediaRoom/newsreleasedetail.cfm?ItemNumber=30697 [4/3/17]
6 - instituteforsupplymanagement.org/ISMReport/NonMfgROB.cfm [3/3/17]
7 - arkansasonline.com/news/2017/apr/01/u-s-consumer-spending-up-0-1-20170401/ [4/1/17]
8 - equities.com/news/a-strong-jobs-report-and-a-growing-divergence-between-jobs-and-employment [3/10/17]
9 - marketwatch.com/story/fed-raises-interest-rates-by-a-quarter-point-sees-two-move-moves-this-year-2017-03-15 [3/15/17]
10 - thehill.com/policy/finance/325703-week-ahead-gop-digs-into-dodd-frank-reform-senate-panel-to-vote-on-trump-labor [3/27/17]
11 - usatoday.com/story/news/world/2017/03/29/britain-invokes-article-50-4-things-know-brexit/99769996/ [3/29/17]
12 - ec.europa.eu/eurostat/ [4/3/17]
13 - seattletimes.com/business/asia-economies-hold-trade-pact-talks-after-trump-dumps-tpp/ [2/26/17]
14 - reuters.com/article/us-global-economy-idUSKBN1750H4 [3/31/17]
15 - online.wsj.com/mdc/public/page/2_3022-intlstkidx.html [3/31/17]
16 - msci.com/end-of-day-data-search [3/31/17]
17 - seekingalpha.com/article/4059685-commodities-first-quarter-overview-outlook-q2 [4/3/17]
18 - money.cnn.com/data/commodities/ [3/31/17]
19 - freddiemac.com/pmms/pmms_archives.html [4/3/17]
20 - freddiemac.com/pmms/archive.html?year=2016 [12/29/16]
21 - inman.com/2017/03/22/existing-home-sales-backtrack-in-february-after-january-high/ [3/22/17]
22 - constructiondive.com/news/new-home-sales-hit-7-month-high-in-february/438768/ [3/23/17]
23 - barchart.com/stocks/indices.php?view=performance [12/30/16]
24 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=3%2F31%2F16&x=0&y=0 [3/31/17]
24 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=3%2F31%2F16&x=0&y=0 [3/31/17]
24 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=3%2F31%2F16&x=0&y=0 [3/31/17]
24 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=3%2F30%2F07&x=0&y=0 [3/31/17]
24 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=3%2F30%2F07&x=0&y=0 [3/31/17]
24 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=3%2F30%2F07&x=0&y=0 [3/31/17]
25 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/3/17]
26 - fortune.com/2017/03/09/stock-market-bull-market-longest/ [3/9/17]
Important Risk & Disclosure Information


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The Twins softball team traveled to Myrtle Beach this weekend to spend their spring break competing in the Snowbird Tournament. They met up with Monroe Community College in Myrtle Beach on Sunday to play their first game of the season.
The starting pitcher for the Twins was freshman Rachel Nielsen. She pitched three scoreless innings till Monroe hit a homerun to score the game's first run in the top of the fourth inning. Nielsen led off the bottom half of the inning with a triple to put her in scoring position with no outs. The next batter, Jaclyn Gehring, came up and smacked a single to left field to score the runner from third. This tied up the game 1 – 1. It remained a tied game until the bottom of the sixth inning. After getting a couple of runners on base, Baylee Cox ripped a triple to score the go-ahead run and put the Twins up 3 – 1 with just one inning to go. Nielsen ran into trouble in the seventh as Monroe loaded the bases. A ground ball scored one run for Monroe to make it a 3 – 2 game. With two outs and the tying run on third, Nielsen struck out the next batter to seal the victory.
Freshman Rachel Nielsen got her first win of the season. She pitched all seven-innings allowing only two runs on six hits with four strikeouts. Nielsen also went 2 – 3 at the plate with a double and a triple. Freshman Baylee Cox batted in the game winning run. The shortstop finished the game going 2 – 4 at the plate with a triple and two runs batted in. Freshman Jaclyn Gehring was perfect at the plate going 3 – 3 with one run batted in.
The Twins will officially begin the tournament with two games on Monday March 12th. At 9 am they will be facing Deleware Technical Community College and after that game at 11 am the Twins will take on Wells College.

subset: commoncrawl


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Adobe Photoshop is a professional graphics editing program developed and published by Adobe. Photoshop can adjust, change, and enhance any type of digital image or photograph. Original graphics and artwork can also be created in Photoshop.
Since Photoshop is the industry standard the software is incredibly complex.
This tutorial will only focus on the introducing you to the basic features of Adobe Photoshop and the aspects relevant for photographic restoration and enhancement.
Topics that will be covered include: Cropping, Resizing Images, Changing Tones, Contrast and Color and Sharpening.
The Adobe Photoshop workspace layout is pretty intuitive but flexible for a variety of situations. It's good practice to keep the layout consistent with the default settings so it's easier to manage. We recommend using "Guided" function as it permits more flexibility for touchups and creativity.
Opening an image
To open an image, click on the File and select Open.
Locate the folder where you have saved your photos. If these are in different places, you may want to consider putting them all in the same folder on your desktop.
Select the photo/s from the folder that you want to open (you can do more than one at a time) and import into the organizer.
The selected photos will be displayed in the media box like this:
You will begin preparing your photos by cropping them. To do this, the first thing you need to do is to make sure that the selected photo to be cropped is open in main view. Then under Touchups menu on the right push the crop photo button.
You will then be brought into the following screen:
Please note at the top, there is a "quick", "guided" or "expert" option. Choose the "quick" or "guided" option.
In either "quick" or "guided" look for the crop tool which is used to cut or trim a section of an image. Notice that the cropping tool has broken the image into sections.
Move the cursor over the boxes until it changes into different arrows. You can click and drag on any of the mid points and corners to reshape your crop.
For the best results you should chose the 16 x 9 inch setting for making your video. This sizing is found under the "crop box size" dropdown.
Confirm or cancel your by either hitting the cancel icon or the OK icon (that is located around cropped area).
Resizing Images
[vime0 id="95892612′]
If you want to resize your image click on the image menu and select image size.
The image resize window will display both the Pixel Dimensions and Document Size. Note that document size only corresponds to printing out a copy of the image and not the digital image itself.
You may want to resize your photo because photos taken with digital camera have big resolution but keeping the size lower may be better for your digital story. If you are resizing your image, when you save, "save as" a new image, so that you don't save over your original photo. If your images are too big, they will not be able to be imported into the video software.
One of the foundations of Photoshop is its endless ability to change the tonal properties of images. This section will provide you a few different options of adjusting an image. Keep in mind there are countless ways to adjust an image with Photoshop. It really comes down to personal preference and what works with your project. In guided, you will find Touchups options that will cover most of your needs to alter and polish your photos.
You can get to adjustments through the image menu or the adjustment section on the pallet well. Here you can adjust everything from brightness and contrast, levels, exposure, colour balance, black and white and more.
UNDO and HISTORY
If you are unhappy with any of the edits you have made, you can use the "undo" button at any time.
Organizing Photos for Video
We recommend that you create a folder on your desktop to house all of your finished photos for the video. You can also label these in the order in which they are to appear in your digital story.
There are a variety of choices when saving.
If you're working on an image but you're not finished save as an uncompressed Photoshop file (.PSD), that way you'll ensure the image will keep its quality when you re-open it.
JPEG (Joint Photographic Experts Group) is the standard for saving photographic images and manages to compress file sizes down while maintaining quality. It's recommended you save in JPEG.
GIF (Graphics Interchange Format) is a format generally intended for graphics and not photographs as it will often misrepresent levels of color in a photographic image.
PNG (Portable Network Graphics) is best used for graphics, but it is possible to be used for photos. Generally the file size will be considerably larger when used for photos.


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Support the Trestle Trail Project
This petition had 672 supporters
Gateway East Trails, a 501c(3) non profit corporation, is dedicated to the development of bicycle/pedestrian infrastructure in and around Lebanon, IL. GET has been able to raise funds and has proposed a trail to be built on an existing right of way following a cartway/roadbed established in the mid-19th century that has been unused for decades. Currently there is no safe way for bicyclists and pedestrian to travel under their own power to the south, west or east out of Lebanon due to high speed state highways with very narrow or no shoulders. This first trail of two planned for the city will open a safe passage to the east and south. The project is almost fully funded through funds raised and donation of labor and some materials. Full funding will be available shortly after construction of the approximately 400 yard trail begins in the spring of 2018.
The Lebanon Township Trustees have given GET permission to move forward with the project. However, there are individuals in Lebanon who do not understand the project and what it will do for the citizens of Lebanon and others who come to the city for recreation. This small group of residents and non-residents are trying to derail the project through a petition they plan to present to the township trustees. Among their reasoning is their belief that cyclists are endangered by traffic on the low volume county roads at the east end of the trail. These roads are regularly used by cyclists now for their own recreation, and for organized rides that occur almost weekly during the late spring, summer and early fall. Another concern they raise is the fact that the trail may flood several times a year. The flooding is slow moving water that has not eroded the current route and will be mediated by keeping two culverts that have been ignored in the past cleared of trees, branches and other debris. The engineering firm hired by GET is comfortable with the location of the trail and GET has the approval of various agencies including IDNR to go ahead with the project.
The dedicated group known as GET has been working since 2010 to make this happen. We will gain nothing from the trail except the satisfaction that we have improved the livability of Lebanon and will be making a significant economic impact to the community as the trails are developed. The bottom line is that we need your support now to demonstrate to the trustees and these other individuals that the trail should move forward.
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Gateway East Trails needs your help with "Lebanon Township Trustees: Support the Trestle Trail Project". Join Gateway East Trails and 671 supporters today.
Today: Gateway East Trails is counting on you
Gateway East Trails needs your help with "Lebanon Township Trustees: Support the Trestle Trail Project". Join Gateway East Trails and 671 supporters today.


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Supre Snooki Girl Boss Ultra Dark Black DD Bronzer -Ultra Dark Black DHA Bronzers
Having problems ordering?Let us knowBe the first to review this product
Availability: In stock
Special Price: $31.00
Regular Price:$70.00
Product Description
You did not wake up today to be mediocre; you woke up to run the world. Take charge and don't apologize for it, Snooki's Girl Boss Ultra Dark Black DD Bronzer is your dynamic do-all dream formula that raises the bronze bar with instant cosmetic bronzers and delayed bronzers for fierce, beautiful continuous color. Formulated to help diminish wrinkles and fine lines while providing a flawless, matte finish that will help you go the extra mile.
Ultra Dark Black DHA Bronzers combine a rich blend of instant and delayed bronzers for immediate color that continues to develop after UV exposure.
HyperdarkTM Tanning Technology combined with a powerful blend of Natural Bronzers helps enhance your tanning session delivering dramatically dark, streak free color.
Rich moisturizing blend of Shea Butter, Coconut and Almond Oil penetrates the skin with deep hydration for a longer lasting tan.
Advanced Age Defying and tightening blend of Lotus and Hibiscus Extract help to smooth and improve fine lines and wrinkles while combating the signs of aging.
Tattoo ColorShield Technology™ combines essential Minerals, Aloe Vera and Algae to help maintain the color and vibrancy of tattoos.
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Personal Info
- Name:
- Kevin Hunter
- Graduation Year:
- 2009
Memories of Kevin Hunter
Passed away February 10,2012
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Sport-Tek 1/4-Zip Sweatshirt
ST253 - Adult Sizes: XS-4XL - Minimum Order: 12 pieces
$16.00 Price for Blank Item Only
Availability: In stock
Sport-Tek 1/4-Zip Sweatshirt (ST253)
These durable colorfast quarter-zips feature a better fit with minimal shrinkage as well as 2x2 rib knit cuffs and waistband.9-ounce 65/35 ring spun combed cotton/poly fleece Twill-taped neck 2x2 rib knit cuffs and hem with spandex
Don't see what you are looking for?
Identity Imprinted Apparel has access to thousands more items that are not listed on our website. Let us know if you are looking for something specific. We can provide custom screen printing and embroidery - no matter the size of your order.
Call us at (859) 342-5300 if you have questions or are are looking for something specific.
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Rock & Roll Printmaking$1,500
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The Art of Rock & Roll Printmaking with Doug Fiely
A private, hands-on printmaking experience with vintage license plates and other Doug-centric materials for up to 10 + local craft brew and the acoustic guitar stylings of our own rock & roll printmaker.
Dayton Printmakers Cooperative, downtown Dayton.
Experience must be scheduled with DVAC to take place on a Saturday or Sunday between October 2018- May 30, 2019.


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Software Alliance Wales Wins Special Recognition Award from CompTIA
Contribution to advancing the IT industry in Wales recognised at conference in London
Swansea & London, UK: 12th November 2014:
Software Alliance Wales, an EU-backed project lead by Swansea University, is pleased to announce that it has been awarded the CompTIA Special Recognition Award for Advancing the IT Industry in Wales. For the past four years, the project has been dedicated to offering CompTIA's Trustmark programme to Welsh IT businesses and had its achievements in doing so recognised by CompTIA at its EMEA Partner and Members Conference in London on 6th November 2014. TeenTech's Maggie Philbin presented the award to the project director, Neal Harman.
Software Alliance Wales and CompTIA have been working in partnership for the last four years to deliver their IT Business Trustmark and Accredit UK Trustmark+ accreditations to IT companies across Wales. The project provides guidance and financial support to achieve these prestigious industry accreditations and in turn enables IT companies to competitively position themselves and build stable business foundations for the future. This helps to develop a strong, sustainable and growing IT sector in Wales.
Vaughan Shayler,Director,Channel Strategy, at CompTIA said, "CompTIA is pleased to present this special recognition award to Software Alliance Wales who have supported the significant adoption of CompTIA Trustmarks within Wales. The impact of the support provided by Software Alliance Wales is illustrated by the growing number of Trustmark+ holders that originate from Wales, representing around 25% of all Trustmark+ holders in the UK. The Welsh IT & software sector typically represents about 4%* of the total UK sector, showing that the project is clearly punching above is weight."
Neal Harman, project director, at Software Alliance Wales, comments, "We are so pleased to have had the project's achievements recognised by one of our most valued partners in front of the UK's IT industry. It's real testament to the hard work of the project over the past four years in delivering the CompTIA Trustmark programme to IT companies across Wales. We look forward to continuing our work with the IT industry and CompTIA to further develop a sustainable IT industry here in Wales."
For more information about the partnership or to find out more about the Trustmark programme, please visit http://www.softwarealliancewales.com/accreditation
Welsh customer success stories also available here: http://www.softwarealliancewales.com/accreditation/case-studies


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The Doomsday Performance is an "Eyes Only" document. Eyes Only, is taken from a military classification and it essentially means that you cannot talk about it. You are only allowed to read about it. It should be obvious that since the Doomsday Performance is posted on the Internet that a lot of people can read it. However, remember you are not allowed to talk about it.
The Doomsday Performance is designed to be performed when the destruction of capitalism seems imminent. The performers are to make that decision. It would be like if one nation, no matter how small, dropped an atomic bomb on another. It would be if the stock market in any modern nation dropped 33%. It would be if the cost of energy (gasoline) jumped extremely in a short span of time. Or it would be any other thing that the performers concluded heralded the end of capitalism and civilization as we know it.
The Doomsday Performance even when activated does not allow for the breaking of contemporary law. The performers are essentially to spread the word about the collapse of capitalism.
1. This is to start with public education. It should be obvious that Capitalism brought about the collapse. However, the public education system in America is in essence a propaganda tool of state capitalism. They will blame the typical false enemies like Arabia, China, Russia, Cuba. They cannot and will never blame the people of America or themselves. Initially you distribute flyers outside the schools. This means parochial as well as public. The school systems, whether religious or not, are all after the same thing the dissemination of state propaganda.
...to be continued.....


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Everything we need to be Effective and Productive
Confirming one's calling and Election…
What's needed after you receive "everything needed"?
Come discuss with us!
Download the Lesson
Confirming One's Calling and Election
3 His divine power has given us everything we need for a godly life through our knowledge of him who called us by his own glory and goodness. 4 Through these he has given us his very great and precious promises, so that through them you may participate in the divine nature, having escaped the corruption in the world caused by evil desires.
5 For this very reason, make every effort to add to your faith goodness; and to goodness, knowledge; 6 and to knowledge, self-control; and to self-control, perseverance; and to perseverance, godliness; 7 and to godliness, mutual affection; and to mutual affection, love. 8 For if you possess these qualities in increasing measure, they will keep you from being ineffective and unproductive in your knowledge of our Lord Jesus Christ.
2 Peter 1:3-8


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Need somewhere to store those extra things around the home (and help keep it looking tidy)? Click through for some clever storage ideas!
Sometimes the stuff in our home can get a little overwhelming, especially if you have kids! It just seems like they have an endless supply of toys, not to mention your own stuff that you've collected over the years. If you want to make the most of the space you've got as well as make the home more tidy and less cluttered, below are some smart and stylish ways to store your items!
Built in Wardrobe
If you have limited space in your bedroom, or have unused space, you might want to go for a built in wardrobe. Most modern homes have built in robes, but older homes may not so while you will have to pay more for made-to-measure furniture, it will be worth it when you want to put your unused clothes away or need extra shoe racks. Before you get started and begin designing, make sure that you declutter your home first. Whatever you need space for, you will have to think creative and maximise your space.
Fold Out Chairs
If you love entertaining your friends at home, you will need extra seating readily available. Folding chairs that fit under the stairs or under the bed will be ideal for expanding your seating capacity without having to permanently take away space from your home. You can get some classy folding chairs that take up little space and can be used both indoors and outdoors. Even the ones that are made of real wood and have a seat cushion for comfort will be suitable for special occasions.
Bed with Storage
In case you still don't have enough storage space in the bedroom, and like putting your winter clothes and coats away in the summer and the other way around, you might benefit from an ottoman storage bed. You can store your guest bedding and extra cushions, duvets, blankets, and sheets if you have an ottoman bed. Alternatively, if you are planning on storing various items, you can opt for a bed with built in drawers, so you can organize your coats, blankets, and other items.
Storage Pouffe
You can get a couple of storage pouffe that can work as a guest seat, while holding your blanket, throw, and cushions. You can keep your unused items in there, such as a portable heater or fan you're not currently using, or craft items you simply don't want cluttering your living room.
Extending Tables
You might love having guests around, but a large table and all the chairs will take up a large part of your dining room or living room. The good news is that you can get an extending table that can accommodate more people when needed, but still use the space and make your room feel airy while you are on your own. You can walk around your table when you are not entertaining people, and decorate the wall, put out sideboards to make your room feel more spacious.
Bench and Shoe Storage In One
One of the areas people have a problem with is the entrance hall of the house. Whether you leave your shoes in the porch or in the hallway, you will need to invest in a practical storage solution that doesn't only look great, but also holds your coats in the winter and hides your shoes that aren't in use. You can get a shoe storage with a bench so you can put on and take off your shoes easily, without having to hop around on one foot.
Under Sink Storage Racks
Are you having problems with keeping your kitchen tidy and putting everything away? You might need to think about smart storage and organisation for the most frequented home in the house. Whether your under sink storage is built in or open, you will have to find a way to fit everything in without having to rummage through the shelves trying to find the kitchen cleaner or the new sponges. Under sink storage shelves can help you maximize your space and find everything exactly where you left it. From pull out drawers to spinning racks, there are several ideas to consider when you want to save space.
Utilising Dead Space
Whether you have an unused corner or space under the stairs, you can build it in to get extra storage. You can get some great corner furniture that will help you keep more wall space empty and ready for decoration. If you have a chimney stack and some dead space next to it, you can get modular shelving to maximize wall space and display more of your decorative items.
Flexible Seating
You'll be able to seat more people if you have a few pouffes and seating cushions around. You might even get yourself some personalised bean bags so you can stay comfortable when you are playing games or having a long chat with your family members. Think about seating that can be stored away and easily moved from one room to another.
Flick through some home and lifestyle magazines to get inspired by some of the clever and stylish ways other homeowners organise their stuff. From ottoman storage to great built in cabinets and organisers, consider the space you have and the solutions that suit your style the most!
This was a collaborative post and contains affiliate links.


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LIFESTYLE | Winter 2017 Capsule Wardrobe
As more seasons pass curating and developing a capsule wardrobe, I find the additions are becoming necessity or statement focused. Winter season began, I took note of what needed to be replaced, added and eyed a statement item or two to complete the set, then I let it be.
For me, where I live, a four season wardrobe is not only enjoyable but necessary. Halifax, NS is used to all kinds of weather, famous for it's fog and short summers. From my perspective, it's more like our seasons have a bit of every mild version of a season inside them, but we do expierence every season fully. Which means, things like winter gear, rain gear, beach gear, autumn jackets etc. are all things one needs. We get frigid temps at times during the dead of winter, and absolutely sleepless heat temps late summer.
Along with the items pictured above I was also given another long grey/black sweater from Jasmine Alexander, purchased a pair of shorter brown boots to replace a pair I have been wearing for almost ten years and wore the Gap Dark Skinny Jeans and H&M Black Stretch Pants.
Winter, although cold inspired me this year. It felt like a complete reset. Maybe it was because I started the first day of the year standing in my best friends wedding in that grey dress. Or maybe it's because I got to visioning and goal setting in that romper. Or maybe, it's because I truly relaxed and enjoyed many cozy moments with my family in that cute warm pink sweater.
Either way, this capsule is my favourite so far.
Cozy, Pretty & Me.


text: Carpal Tunnel Syndrome Treatment from Drexel Neurosciences Institute Carpal tunnel syndrome is a condition in which there is compression of the nerve in the wrist that supplies feeling and movement to parts of the hand. Symptoms can include numbness, tingling, weakness, or pain in the hand, wrist and fingers. Diagnosing Carpal Tunnel Syndrome Treatment of Carpal Tunnel Syndrome Diagnosing Carpal Tunnel Syndrome There are several tests performed at the Drexel Medicine that are useful in the diagnosis of carpal tunnel syndrome: Neuromuscular Ultrasound Ultrasound uses sound waves to provide real-time, high-resolution images of muscles and nerves throughout the body without causing pain to the patient. Ultrasound is used to diagnose a wide range of nerve and muscle disorders including carpal tunnel syndrome. Electromyography (EMG) An electromyography (EMG) test measures the electrical activity of a muscle. An EMG provides information about the muscle itself and also shows how well it is connected to and receives stimulation from its nerve. A nerve conduction study is usually done at the same time as an EMG. It detects any signs of nerve fiber loss as well as blocking or slowing down of responses to nerve stimulation. An EMG is often used to evaluate unexplained muscle weakness, twitching or paralysis, and to find the causes of numbness, tingling and pain, such as that experienced by patients with carpal tunnel syndrome. During an EMG, a physician inserts a very fine needle, which serves as a recording electrode, through the skin into the muscle. With the electrode in place, the patient is asked to slowly contract the muscle—for example, by bending the arm—with gradually increasing force, while the electrical activity is being recorded. Patients may feel some discomfort during the test. Nerve Conduction Studies (EMG/NCS) A nerve conduction study (sometimes called a nerve velocity test) measures how quickly electrical impulses move along a nerve. A healthy nerve conducts signals with greater speed and strength than a damaged nerve. A nerve conduction study is often done at the same time as an electromyography test, in order to exclude or detect nerve and muscle disorders. During the test, flat electrodes are placed on the skin at intervals over the nerve that is being examined. A low-intensity electric current is introduced to stimulate the nerves with the resulting signal recorded by the electrodes placed on the skin. Treatment of Carpal Tunnel Syndrome Wearing a special wrist brace that prevents bending at the wrist can help with the milder cases of carpal tunnel syndrome. In more severe cases, a surgical procedure called carpal tunnel release can provide long lasting improvement and prevents further nerve damage. In addition, many patients experience temporary relief with the administration of steroid injections. Carpal tunnel steroid injection at the wrist is used to treat the symptoms of carpal tunnel syndrome by injecting a steroid solution into the bursa surrounding the median nerve. Injected corticosteroids appear effective in reducing subjective symptoms for 1-3 months. Repeated corticosteroid injections, however, are not recommended. Related Physician Krikor Tufenkjian, MD Practice: Drexel Neurosciences Institute Specialties: neuromuscular disease, nerve conduction studies Meet Dr. Tufenkjian The information on these pages is provided for general information only and should not be used for diagnosis or treatment, or as a substitute for consultation with a physician or health care professional. If you have specific questions or concerns about your health, you should consult your health care professional. The images being used are for illustrative purposes only; any person depicted is a model. Back to Top


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New images of Microsoft's next operating system, Windows 8 have leaked onto the web. This time, the images are from build 8172 which claims to have been compiled on the 14th December 2011. Many have dubbed these images as fake, we'll let you decide.
Since it is not clear whether these images are or are not real, we advise you to take what you are about to read with a grain of salt.
New images of Windows have leaked from PCBeta.com today, featuring build 8172 which claims to have been compiled on December 14. It is currently unclear on whether the compiled date, or the images are real. We will let you decide.
Microsoft is hard at work on Windows 8, with a beta expected in February, the company is just adding the finishing touches to the beta of the operating system, and should be preparing for an RC build soon.Further reading: Microsoft, Windows 8


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Congratulations Raul Cardenas Ojeda!
From Rene Luna
First of all, I would like to thank my lord and savior, Jesus Christ, for whom all things are possible. I would also like to thank my beautiful wife Debra and son Reno for supporting me during my time of service. A huge THANK YOU to TEAM LUNA! TEAM LUNA invested countless hours for this campaign.
We had the majority of votes on May 5th, but today we extend congratulations to Raul Cardenas Ojeda. To all who ran for election this year, and for those who continue to serve: thank you. Your dedication to the betterment our community is commendable. Lastly, I'd like to extend a big thank you to all the voters. Thank you for continuing to participate in local government through the voting process and for supporting me as your representative for the past 8 years. I wish the new council best wishes, and look forward to great things to come.
GOD BLESS AMERICA, HOME of THE FREE, LAND of THE BRAVE.


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Reading Challenge 2019
Currently reading
Shadows Falling
Melyssa Williams
Recently added
8:00 pm 3 December 2012
This was such a good book! When I read what the book was about I was super intrigued because it is a lot more fantasy then I am used to reading, and according to the reviews I had been reading there was suppose to be very little romance… but THEN I realized that the author Morgan Rhodes is actually the pen name for Michelle Rowan… and well I LOVE her! The book started off a little too slow for my liking, but once it picked up about half way through it was a fast paced book the rest of the way. One of the things I loved most about this book is that its about royalty, and although most of the citizens would think they are all just spoiled people, and I will admit at the beigning that is EXACTLY what I thought of Cleo, they are also people too, and in Cleo's case, people with the courage to overcome just about anything, as well as a heart full of so much love. I was a little worried that I wouldn't enjoy this book because there isn't a lot of romance in it, however I found that there was just enough romance in it for my liking, as well as setting up for a lot in the future books (maybe its wishful thinking but I want Cleo and Jonas to have a thing) This book also has so many sad parts! The event that basically started the whole ball rolling didn't really affect me because well I didn't know Tomas, but everything else? Theon? The King? Emilia? Ugh I cried like a baby! I was especially sad about Theon, I was starting to totally fall in love with him and then WHAM! I also think Nic is the cutest guy ever, and omg he is totally in love with Cleo but I don't think they would fit together. Jonas on the other hand, he is a rebel hottie and oh boy I can not WAIT to see what happens in the next installment of the Falling Kingdoms Series! Overall this was a fantastic fantasy book, it had magic, palaces, intrigue, romance and war… I also think this would be a perfect book for a guy as well because there is so much going on and so little romance (I have recommended it to my husband) *special thanks to razOrbill and Penguin Group for providing me an arc of Falling Kingdoms*
Powered by BookLikes © 2015


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(SALEM) - A Cambellsburg man was injured after he lost control of his vehicle on State Road 135 Wednesday afternoon.
According to a Washington County Sheriff's Department report, 39-year-old Louis Mossey was traveling south on State Road 135 north of Hype Road when his vehicle hit a patch of cinders causing him to lose control of the vehicle, which hit a ditch and then flipped onto its top.
Mossey suffered a cut on his hand and was treated at the scene by a Washington County ambulance crew.
Assisting at the scene was the Salem Fire Department.
Have a question or comment about a news story? Send it to email@example.com
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Of your charity pray for the soul of
Monk of Prinknash
who died on Monday, 19th March 2018
aged 70
eter Sturdy was born on 23rd September 1947 and brought up as an Anglican, in which Communion he thought of taking Orders. As a young man he worked for the BASF recording company in London, a city whose social life he much enjoyed. At length, after a stay in Rome, he decided to enter full communion with the Catholic Church and was received by the late Monsignor Miles at St James's, Spanish Place. Shortly afterwards, in 1980, he joined Prinknash as a postulant. After making his Temporary Profession on 15th August 1982, and his Solemn Profession on 15th August 1985, he went forward for the Priesthood, and studied for a couple of years at St Benet's Hall, Oxford, being ordained priest, alongside Abbot emeritus Dom Francis Baird, on the Feast of Our Lady of the Rosary, 7th October 1989 by Bishop Mervyn Alexander of Clifton. Damian worked principally in the Sacristy (a task to which he brought great flair) and as Master of Ceremonies, Cellarer and Stipendiary (Mass Offerings). His unforgettable charm meant that he was much in demand socially, had a wide circle of friends, and brought several people into full communion with the Catholic Church. He will be particularly lamented by Prinknash's faithful group of lay Altar Servers (which he founded) and by devotees of the Extraordinary Form Mass, which he reintroduced to Prinknash on a regular basis in 2002. The last 15 months of his life were spent at Nazareth House, Cheltenham, where he was devotedly cared for by the sisters and lay staff.
ather's funeral will take place at Nazareth House, 344 London Road, Charlton Kings, Cheltenham, on Wednesday, 4th April at 10am followed by a private burial at Prinknash. All are welcome, but those wishing to attend, or concelebrate at, the Funeral Mass, are asked to inform:-
or text 07821 754243
It is intended, at some later date, to celebrate a Requiem Mass in the Extraordinary Form.


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Tax Considerations when Buying or Selling a Dental Practice – Part 1
Tax Considerations when Buying or Selling a Dental Practice – Part 1
By Keith Dunnagan and Matthew Kirkpatrick
Buying and selling a dental practice is not an uncommon occurrence for most practitioners. There are many issues affecting the costs and profits that are impacted by the Internal Revenue Code (IRC). Of course, both parties want to buy low and sell high. However, the purchase price is not always the end all be all of the negotiation. Often times it can be possible to pull out a greater after-tax-profit from a lower purchase price so long as the transaction is structured properly. This is where a savvy attorney and accountant can make a tremendous difference.
I. Objectives: Generally a seller will have to pay some combination of ordinary income tax, capital gains tax, recharacterized business capital gains tax, and depreciation recapture taxes. As a seller the goal is to push as much profit into a preferential capital gains tax rate as possible. The best way to do this is to allocate as little of the purchase price to the assets used in the trade or business and more towards goodwill.
As a buyer the goal is to allocate as much of the purchase price to assets in order to increase the basis in those assets held for the use in trade or business. More specifically, to depreciable assets with a short amortization schedule. This not only allows a buyer to deduct a greater amount of the purchase price as soon as possible, but it allows a buyer to have a smaller amount realized upon the asset's eventual sale. The Internal Revenue Service (IRS) will respect a written contract agreeing on an allocation under IRC §1060(a) unless the Secretary of the IRS "determines that such allocation…is not appropriate."
This basic conflict is what provides the groundwork when negotiating the sale of a practice.
II. Taxes on Sale of Property
A lot of these issues require an explanation of the various tax rates and capital gains that are assessed against gains and losses.
1. Gain / Basis / Adjusted Basis / Amount Realized
Gains on the sale of property are calculated by subtracting the adjusted basis from the amount realized.
The basis of property is typically the purchase price and is used as the benchmark to assess the gain or loss upon its sale or exchange. The "adjusted basis" under IRC §1016(a) is the basis as increased or decreased by any "expenditures…chargeable to the capital account" or "for exhaustion, wear and tear, obsolescence, amortization and depletion." Basically, a property's basis is increased by the cost of improvements, and reduced by the depreciation deducted each year.
The "amount realized" is the difference between the amount received from the sale of property and the adjusted basis of that property at the time of sale. The amount realized is the amount which will be taxed.
2. Ordinary Income
Most people know that ordinary income is taxed at the standard rates which currently are 10%, 15%, 25%, 28%, 33%, 35%, and 39.6% depending on your income bracket and filing status. The sale of a dental practice can quickly bump a seller into a steep tax bracket. Therefore, if possible, the goal is to push income into a lower capital gains tax rate.
3. Capital Gains and Rates
Congress has decided that to encourage investment in property and businesses lower taxes will be assessed on the sale of capital assets, which are defined in IRC §1221. Capital assets have a strange definition in that it is an exclusionary definition. IRC §1221(a) defines capital assets as "property held by the taxpayer…but does not include…" a variety of assets. This covers just about all of a taxpayer's property with the biggest exclusion being business property. The capital gains rate is 0%, 15%, and 20%, depending on income bracket.
4. Long Term v Short Term Gains
The favorable capital gains rates only apply to "long term capital gains". Those are defined in IRC §1222 as a "gain from the sale or exchange of a capital asset held for more than 1 year". If the property is held for exactly one year or less, then any gain on the sale will be considered a "short-term capital gain", classified as ordinary income pursuant to IRC §64, treated as "gain from the sale or exchange of property, which according to IRC §61(a)(3) is included in the definition of "gross income", and then reduced by applicable deductions to arrive at taxable income in IRC §63(a) and taxed under the applicable filing status and brackets under IRC §1.
We hope that you will find this Article helpful in your business. Please feel free to forward this Article on to anyone that you think may benefit from this information. As always, if you have any questions or comments, you can contact us at firstname.lastname@example.com or email@example.com or if you need a consultation for any legal issues, you can call our office at (916) 966-2260 for an appointment at our Gold River headquarters or our Lincoln satellite office.
This article is not intended to be legal advice, and should not be taken as legal advice. Every case requires review of specific facts and history, and a formal agreement for service. Please feel free to contact us if you need legal advice and are interested in seeing if we can help you


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God could not be called "Father" before Christ.
Jesus is an exact reflection of the Father—they are completely one.
God pulls the believer to himself by the Spirit.
-the closer the Lord pulls me to himself, the more apparent I become of the worldly things in me, of the sin that resides in me.
-beat up and broken people should be here—that's who Jesus came for, and that's who the Spirit pulls.
-Isaiah 6: the closer he got to God, the more he realized his own frailty.
How do we accurately and correctly define God in three persons? So far we've tried to unpack the triune God—and even in my best studying, I haven't even done it justice. We've barely even scratched the surface because He's too majestic. He's just too big and mighty for us to be able to cover it all.
We can spend our entire lives trying to grasp that concept, and we might never get beyond the surface. But should we stop trying? By no means! We should search out the unsearchable God.
The joy comes in the pursuit. The joy comes in wrestling with the Mighty God. God wants us to pursue him, even when he seems confusing and foreign to us.
Man has been wrestling with the idea of God being one God in three persons for a long time. It's not a new thing. So, let's unpack it a little:
After 15 years of pursuing God in my own life, and just when I begin to think that I have a grasp on it all, I see something new and say, "Yep, never saw that one before." We're always learning and discovering.
God is concrete and resolute
Genesis 1:1—in the beginning, God.
-Even if I can't understand everything that is going on, God is still God. He always has been and always will be. That's gotta be concrete for us.
We can question his "how", and we can question his process, but we can never question who he is. He is who he is, and he has always been and always will be God.
So why is the trinity confusing?
John 1:1—"In the beginning was the Word, and the Word was with God, and the Word was God. He was in the beginning with God. All things were made through him, and without him was not any thing made that was made. In him was life, and the life was the light of men. The light shines in the darkness, and the darkness has not overcome it. There was a man sent from God, whose name was John. He came as a witness, to bear witness about the light, that all might believe through him. He was not the light, but came to bear witness about the light. The true light, which gives light to everyone, was coming into the world. He was in the world, and the world was made through him, yet the world did not know him."
Why is God sometimes confusing? Because of sin.
-Because at the very core of sin, it separates. Sin separates.
-The idea of God and the trinity is sweet communion and perfect harmony. This is hard for us to grasp because of sin, and because of separation, and because there is separation we do not have that perfect communion as the Trinity has.
There is nothing else in the world that actually resembles God except God himself.
Christians and non-Christians alike see the trinity and do two things:
They take it and break it up. They see God the Father, God the Son, and God the Spirit—but they see them as separates. They begin to separate the Trinity in their minds because of sin.
-This causes people to choose a portion of God to worship, and not worship God in his fullness and entirety.
-They try to make sense in their own minds of God instead of just worshipping him for who he is.
-They begin to marginalize the gospel and minimize it.
2. They make God one.
-They say God is just God the Father, and that there is no distinction in his being.
-If we make God the Father and God the Son one and make no distinction, then we minimize the gospel. We minimize that sacrifice and the weight of what that cost.
-If we just say that God is one, then we kick out the Spirit—we disregard his role.
–Accept the fact that God is.
Do we bear the name of being a child of God proudly? Do we know what when people puff us up and build us up that there is none greater than God? Do we take it as a great honor and privilege that we are called children of God Most High?
-Even though I don't understand everything about God, he is still God.
-The Israelites put their trust in a God they never saw and in a land they would never see—and we might not see God, but we know that we will. We ought to put our trust in him, because we've been given the right to be called sons and daughters.
-God is still God.
-When your identity changes, and you know that you are secure in your identity as being God's child, your worship begins to change. That is how evangelism starts.
-Do we act like it's a right to know God, to be his child? Are we wearing it proudly?
-I have the right to approach God at any time of day because of Christ, because he paid the penalty and died for my sins on the cross. Do I live in proud remembrance of that? Or am I hiding it from the watching world? It is a right and a privilege—embrace it.


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Home » Strategic marketing, recruitment and financial aid tools for colleges and universities
We use data to bring transparency and efficiency to student recruitment and financial aid
College Raptor's unique ability to match students and colleges based on academic profile, cultural fit, and estimated net price sets it apart from other online college search tools.
The underlying logic of our system enables us to partner with colleges for customized net price calculators, student lead generation, early aid estimates, automated award letter development, and competitive pricing analytics.
Net Price Calculators
College Raptor's custom net price calculators (NPC) are more than just mobile-friendly tools that seamlessly integrate into your school's website. With over 100 schools using our NPC, College Raptor's calculator estimates EFCs in a variety of ways, helping students and parents with little, moderate, or complete financial information to receive a net price estimate for your institution.
This helps you to communicate affordability quickly and easily to students and families even if they do not have all of their financial documents readily available. By combining an intuitive interface and mobile-friendly design, our solution sees more than twice the completion rate of other calculators. Plus, nearly half of all users share their contact information, enabling you to engage with students who have a demonstrated interest in enrolling at your institution. Learn more about why schools all over the country are switching to our NPC.
Student Lead Generation
College Raptor provides student leads like no other service – not only will you receive information regarding a student's contact information, academic profile, and college preferences, we also provide each student's estimated Expected Family Contribution (EFC). Our data-rich leads aren't the only factor that makes us stand apart. Find out more about our student lead generation.
Predictive Modeling
Knowing which prospective students to target can not only help increase enrollments, but also allow you to better utilize your budget dollars and human capital. Our predictive modeling services allow institutions to develop recruitment plans that are informed by historical trends taken from your enrollment data and the competitive landscape. Learn more about how to make your recruiting efforts more efficient and increase your ROI.
Financial Aid Leveraging
With limited scholarship budgets, appropriately awarding students to hit net tuition revenue targets and shaping the class is critical. Learn how College Raptor uses its tools to move beyond the traditional financial aid cells to increase your aid package's value to a student and their family.
FinanceFirst is College Raptor's early estimation tool that provides a personalized EFC estimate for any prospective student in your database. Thanks to this tool, you can better leverage your institution's value proposition and make sure your student marketing is appropriate to their situation. Find out more about this unique service.
The competitive landscape of student enrollment is increasing at every stage. College Raptor's InsightFA provides institutions a tool to inform better awarding strategies and stay one step ahead of their competitors. Discover how we can help fine-tune your awarding to yield better results.
Wisconsin Lutheran College Case Study: College Raptor's Predictive Modeling and Financial Aid Leveraging guided a strategy that refined WLC's approach to get more students to campus.
Schedule a Demo
To schedule a time to discuss how College Raptor can help your campus, please contact Jeff Pierpont.
Jeff Pierpont
Vice President of College Partnerships
Email: [email protected]
Phone: 319.849.7101


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Jennifer Garner Continues To Shine On The TV Following Her Spectacular Performance In Alias
Jennifer Garner found herself in the limelight when she performed for the drama series Alias, which appeared on the television between 2001 and 2006. Her figure as Sydney Bristow was widely acclaimed. She went on to bag the Golden Globe for her work on the series. Her excellent performance saw her…Read More


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The New York Times: "The realization that something you thought to be 'real' is actually an advertisement is an increasingly common, if unsettling, sensation. Mara Einstein calls it 'content confusion,' and if her book, Black Ops Advertising, is right, we're in for even more such trickery, indeed a possible future where nearly everything becomes hidden commercial propaganda of one form or another. She forecasts the potential of a 'world where there is no real content: Everything we experience is some form of sales pitch'."
"Content that doubles as brand advertising is not exactly new. In the 1980s, The Transformers and G.I. Joe were popular children's cartoons but also advertisements, and so of course was the much beloved Mickey Mouse Club back in the 1960s … The difference, Einstein argues, lies in how much effort is going toward the dark arts. It is, she suggests, for one simple reason: that we, the public, are so good at avoiding or ignoring traditional advertising. We are fickle fish, cynical creatures who have already been hooked so many times that the simpler lures no longer work."
"Einstein too quickly discards the most important remedy for advertising's abuses: paying for content. A broader historical view can remind us that ad-supported media competes with paid media (like HBO, film, books). Those who don't want to live in a world constantly trying to trick us into watching ads may have the most impact by voting with their dollars and starving the beast of the attention it needs to survive. Paying for things … strikes at the heart of the business model, and indeed a partial revolt is already underway, as suggested by the popularity of advertising-free subscription services like Netflix."


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Large men's valet jewelry box with enamel horse motif.
Approx. Size: 10" x 8" x 2"
Condition: Good, minor scratching on top
Mark/Label: None
One of a kind vintage item – Buy Now
- Fun vintage men's jewelry box in medium brown wood.
- White enamel top with horse etching.
- Hinged top reveals three compartments plus a long ring holder in burgundy velvet.
- Perfect gift for your favorite horse lover.
Shop vintage men's accessories
Photos copyright © 2018 MadgesHatbox Vintage
Domestic Flat rate shipping:
Jewelry $3.50
Fashion $7.50
View our complete shipping terms here
Items may be held on hold for a customer for up to 24 hours. A 20% refundable deposit is requested to hold items for a longer period. Layaway through PayPal is available on any item with 20% down and monthly payments.
Buy with confidence. At MadgesHatbox we strive to maintain the highest standards both in item quality, descriptions and customer service. Don't like it? Returns are available if we are notified within 10 days of item receipt and received back to us within 30 days. Merchandise must be returned in original condition. Refunds will not be issued until after returned merchandise is received and inspected for damage. Refunds do not include shipping costs. If items is damaged during shipping please retain all packaging and notify us immediately at firstname.lastname@example.com.
Please see our complete return policy here


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|One of my favourite Chip Kidd quotes
While I'm away prepping and decorating for the big event, here's what I've been loving this week:
- Nicole's camping getaway - Camp Wandawega looks SO fun!!
- These lemon blueberry muffins from Casey's blog look delicious!
- Jen's been working on a big girl room for her daughter and it is so lovely & sweet!
- Only another week to get your earlybird ticket for BlogPodium!
- My friend Ashley is fundraising for the World Race! I've donated a blog design package, so if you would like to have your blog designed AND support a wonderful cause, check it out!
- Can't remember if I've already shared this (sorry if I have!) but I have a Facebook page now!! Also updated all my advertising packages if you'd like to take a peak :)
On the blog this week:


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DadMy Dad was a shutterbug. On family holidays driving around Connemara Dad was always stopping the car and getting the SLR (and separate light meter) out to capture the Twelve Bens or Roundstone Bog. This drove my Mum nuts. But I guess it must have made an impression on me, sitting in the back of our Vauxhall Viva, watching him walk along some narrow country road setting up his shots.
He collected those great old Time Life books, which I've still got at home. In 1987 Dad gave me his Kepcor SLR which started a great love affair with 35mm photography which lasted about 8 years. During that time I did two photography courses: in 1990 - '91, a one-year course under Joe Sterling, which was great, and from '91 - '94 a 3 year course in DIT Kevin St. I never finished the DIT course for several reasons, not the least of which was the fact that the looming digital photography revolution was going to render obsolete everything we'd learned about stop bath, ambient fog, and fibre-based printing very soon.


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Return to Study Guide for Galatians -by Don Kugelberg, Long Beach, California USA
Galatians 3:23-4:11
Download PDF
John Newton lost his mother at seven. He first went to sea at the age of eleven and later became involved in the African slave trade. By his own testimony he plumbed the depths of human depravity. At twenty-three the ship he was steering was foundering in a horrific storm. He cried out to God for mercy and received it. The experience never left Mr. Newton and he was truly converted. He became a minister of the gospel and later penned the hymn "Amazing Grace". Throughout his years of ministry and fame, he never forgot how far he had come and who it was who had brought him. He prepared a plaque that hung over the fireplace in the study where he would retire to prepare for Sunday services and mid-week meetings. It proclaimed in large letters that combined two Scriptures, one from Isaiah 43, the other from Deuteronomy 15:
You are precious in my eyes, and honored, but you shall remember that you were a slave in the land of Egypt, and the LORD your God redeemed you.
The way to live the Christian life is to remember who we were and what we have become in Christ. John Stott said the passage we will be studying this morning can be summed in two simple sentences:
Once you were slaves, now you are sons. So how can you revert to your old slavery?
We ended last week in the middle of Paul's thoughts. He had pointed out that the law was not given to provide life but rather to reveal sin and to point us to the cross for salvation. We ended the passage at an unnatural point because of time constraints. It was not a breakpoint in Paul's thoughts, rather a turning point. He had described our condition under the law and now turns the corner beginning in verse 24.
The English Version standard begins this passage with the conjunction "So then". I can imagine Paul here pausing almost as if to let the Galatians catch their breath before he pushes forward.
Galatians 3:24-27
So then, the law was our guardian until Christ came, in order that we might be justified by faith. But now that faith has come, we are no longer under a guardian, for in Christ Jesus you are all sons of God, through faith. For as many of you as were baptized into Christ have put on Christ.
Paul is making a simple point to his audience which is difficult for us to grasp because of cultural differences and deficiencies in our abilities to translate his words adequately.
He compares our state under the law to that of children. He uses a metaphor familiar to the people of that time.
When he says "the law was our guardian" he uses a Greek word which described a person we would call a "strict governess". A person who conducted children to and from school and was responsible to insure they behaved themselves as they were tutored. His point is simply that while under the law we are like children who need to learn to obey.
As the father of three almost grown boys, I can see Paul's case clearly now. When my boys were young I controlled their actions. I expressed my will to them as their father – I defined acceptable behavior for them. I told them what to do and what not to do and I warned them of the penalties of disobedience. Sometimes I disciplined them for their transgressions. Now that they are men, they make their own decisions. Hopefully, they become productive citizens of society because of the training they received at my hand. I taught them that actions have consequences. But I disciplined them with a heart that above all loved them
In Greek society this role was undertaken by the person known as the "pedagogue". Usually an older slave who could no longer perform more rigorous duties, the pedagogue was to train the child in acceptable behavior patterns and was held responsible if the child did not learn the rules of polite society. They often ruled the child by instilling fear in them. Ancient drawings usually show these guardians with a rod or cane in their hand and many were harsh almost to the point of cruelty.
Paul metaphor has two points. Without the law we were like undisciplined children. God gave us the law as a guardian over our behavior and to instruct us as to how to behave and to inform us of the consequences of disobedience. The law was harsh and we soon learned that no one could comply with it. It was this certain knowledge that drove us to the cross. All of this is contained in verse 24:
So then, the law was our guardian until Christ came, in order that we might be justified by faith.
Paul makes the transition in verses 25-27:
But now that faith has come, we are no longer under a guardian, for in Christ Jesus you are all sons of God, through faith. For as many of you as were baptized into Christ have put on Christ.
But now faith has come. We are no longer children who need a governess. In verse 26 where Paul says we are all sons of God, the word son in the Greek normally is used to describe adult or grown children. The image of putting on Christ pictures a boy who has become a man and has shed his children's clothes for those of an adult.
Paul says we are baptized into Christ to point out that it was not ourselves who brought us to adulthood.
1 Corinthians 12:13
For in one Spirit we were all baptized into one body — Jews or Greeks, slaves or free — and all were made to drink of one Spirit.
It is the Holy Spirit active in our lives who draws us to the Savior. It is not based on our merit and has nothing to do with who we are. God saves both Jews and Gentiles, slaves and freemen and in Galatians he extends this to men and women.
Galatians 3:28
There is neither Jew nor Greek, there is neither slave nor free, there is neither male nor female, for you are all one in Christ Jesus.
All distinctions between us were leveled at the cross because its all of Him.
Galatians 3:29
And if you are Christ's, then you are Abraham's offspring, heirs according to promise.
Faith causes us to put on Christ and become sons of God.
Being a son of God makes us a member of Abraham's seed because Jesus was.
We, then become heirs of the promise.
Galatians 3:7
Know then that it is those of faith who are the sons of Abraham.
Beginning in 4:1 and continuing through 4:5a he makes the same argument in a different way. Read.
Last half of verse 5 talks of adoption. He makes the marvelous point to the Galatians that God not only redeemed them but he adopted them as children of his very own family. (review the adoption process in Roman times).
He points out to them that God has adopted them and he questions why they want to return to their past.
Newton's tombstone reads, "John Newton, Clerk, once an infidel and libertine, a servant of slaves in Africa, was, by the rich mercy of our Lord and Saviour Jesus Christ, preserved, restored, pardoned, and appointed to preach the faith he had long labored to destroy." But a far greater testimony outlives Newton in the most famous of the hundreds of hymns he wrote:
Amazing grace, how sweet the sound
That saved a wretch like me,
I once was lost, but now am found,
Was blind, but now I see.
'Twas grace that taught my heart to fear,
And grace my fears relieved.
How precious did that grace appear
The hour I first believed.
Through many dangers, toils and snares,
I have already come.
'Tis grace hath brought me safe thus far,
And grace will lead me home.
John Newton came to a saving faith and took pains to insure he never looked back. Paul calls us to do the same.
Return to Study Guide for Galatians -by Don Kugelberg, Long Beach, California USA


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Visit Hakone
The Hakone outdoor art museum must have one of the most striking settings in the world - a mountainside above a line of valleys that leads down to the sea.
The exhibits are just as impressive - works by Rodin, Moore, Miró, Gormley and Takamichi stud the surroundings, while a series of ceramics by Picasso can be viewed in a separate pavilion.
Hot springs
Visitors to Hakone often find themselves in hot water - in fact many come here specifically to enjoy it. There are hot springs, or onsen, around almost every corner, some with a faint hint of sulphur, others simply steaming away.
One way of enjoying them is to stay at a traditional Japanese ryokan (inn), where guests can enjoy a dip before dining, another before bedtime and yet another before breakfast if they so desire, and many do.
There are plenty of public baths to be found outdoors too, and these are particularly recommended for a soak beneath the stars. The mineral content of the springs varies, depending on their source, but all are believed to be deeply therapeutic and relaxing.
Top itineraries in Hakone
Get a taste of all that this spectacular multi-faceted country has to offer, with private tours of Tokyo, traditional ryokan stays, trips on Japan's 200mph bullet train and visits to world famous temples.
Experience the best Japan has to offer on this 16-day tour, meandering through the modern hi-tech, natural beauty, and the ancient and traditional. Start your tour off in one of the most modern, efficient and largest cities in the world - Tokyo.
Step out of Japan's capital and explore an alpine world of shrines and samurai frozen in time. Board the mighty bullet train, sleep in timber ryokan inns, stay in hot onsen springs and more on this tailor-made journey.
Top places to stay in Hakone
Spacious rooms with private baths and sweeping mountain views set the scene for this traditional Hakone ryokan
As a former imperial retreat, this is Japan's most luxurious ryokan complete with fine dining and volcanically heated baths.
If you're looking for a touch of the contemporary, this is the best hotel in Hakone. However, you'll still find onsen soaks and Ryokan-inspired balconies that look out onto mountain views.
Meet our Hakone experts
Speak to a tailor-made specialist on 020 7590 0689Meet the team


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text: Manitowoc County Master Gardener Volunteers are looking for gardens to showcase in our July 20, 2019 Garden Walk. We will be including gardens throughout Manitowoc County for this event. If you would like to have your garden considered for inclusion in our 2019 Garden Walk, or if you have any questions, please contact Linda Gratz at firstname.lastname@example.com or Sue Elliott at firstname.lastname@example.com. We are open to all kinds of gardens no matter how small or elaborate. It is a great opportunity for sharing your gardening skills with others!


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