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Update: and the hits just keep on coming, first Fitch and now... MF GLOBAL CUT TO JUNK BY MOODY'S... "At the end of the second quarter, MF Global's $6.3 billion sovereign risk exposure represented 5 times the company's tangible common equity. Moody's said the downgrade reflects our view that MF Global's weak core profitability contributed to it taking on substantial risk in the form of its exposure to European sovereign debt in peripheral countries." But other major US banks have no exposure whatsover right? Oh wait...They're hedged... Through "CDS".
Bloomberg has just broken that MF Global has likely just entered a terminal deathwatch after not only tapping its credit facility, but aslo exhausting it. From Bloomberg: "MF Global Holdings Ltd., the futures broker run by Jon Corzine, drew down its revolving credit lines this week as the firm reported its biggest quarterly loss and had its credit ratings cut, said three people with knowledge of the matter. The New York-based company exhausted its revolving lines, the people said, speaking on condition of anonymity because the move wasn't disclosed. MF said in an Oct. 25 investor presentation that it had $1.3 billion in unused revolving credit facilities, without giving a date for the tally." This development means that instead of an M&A assignment as many were attributing the retention of Evercore bankers to (despite the dreary presence of David Ying in their midst), Jon Corzine's firm was far more likely focused on salvaging anything of value. However, now that traditional M&A is out of the picture (nobody in their right mind will pay anything close to market value for a company without cash), it is quite likely that the firm's bondholders, who most likely also have collateral exposure with MF global, whose plight started following the disclosure of extensive European exposure and which was downgraded to junk today by Fitch, will pull all liquidity and instead opt for a debt for equity conversion either in court or as a prepack. What is probably the biggest take home here is just how much of a capital drain European exposure (and we are confident MF was "hedged".... just like Morgan Stanley) can become, and how quickly a firm can become completely insolvent. As a reminder, the firm reported $710 million in cash as of June 30. Obviously all of that cash must have been burned through if the firm also not only tapped but exhausted its $1.3 billion in revolvers in the past quarter (which have rating associated rate step ups, which don't take too kindly to a junk rating). Net result: $2 billion in cash (or about 9 times its makret cap) burned in 4 months primarily due to "hedged" European exposure.
As for whose problem MF is now, according to the recently launched credit facility, JPM is admin agent on at least the smaller $300 million credit facility. Which means that it is now a counterparty risk to Jamie Dimon. In other words, and we would not put it past them, Goldman may have pulled a Dexia and AIG on MF Global, with a spie in collateral calls, in the process sticking Jamie Dimon with the bill. Whether or not Goldman would dare to do this to the firm of its former CEO is a different question... But one most likely answered with a resounding yes.


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Two weeks ago (at NewsBusters; at BizzyBlog), yours truly pointed out how establishment press coverage of the bankruptcy of Massachusetts-based Evergreen Solar had emphasized its Bay State assistance, and only rarely brought up how it benefitted by being able to sell solar panels it otherwise would probably not have bothered to produce to projects benefitting from American Recovery and Reinvestment Act ("stimulus") dollars.
On August 17, Larry Dignan of ZDNet, in an item published at CBSnews.com, tried to convince readers that Evergreen's failure was not indicative of an industry meltdown (bolds are mine):
The bankruptcy of Evergreen Solar is causing some media consternation about the solar industry, but it's a stretch to imply that the company's demise is the sign of an industry meltdown.
... Evergreen Solar, like many businesses in an emerging industry, benefited from an initial surge, failed to adjust to market conditions and failed. Evergreen Solar may hang around after restructuring, but the company is akin to those early hard drive and PC companies. The industry consolidates and some players die. Other bankruptcies in the industry will occur. CNET noted that Solon is also closing facilities amid global competition.
You can't have more than 300 companies—a stat via Solarbuzz—playing in the solar panel market and not expect a few to flop. In its most recent annual report, Evergreen Solar cited BP Solar, First Solar, Kyocera, Mitsubishi, Sanyo, Sharp, SunPower, Trina Solar and Yingli. While some of those competitors are Chinese, most of them aren't. Evergreen Solar wasn't run over just by China outfits, but companies from around the world too.
Other reasons Evergreen Solar had to file for bankruptcy:
- It focused on off-size solar panels. Evergreen said in its annual report that "historically, we have produced non-standard size rectangular wafers that were then processed into Evergreen Solar branded solar panels." Those panels were assembled in its Massachusetts facility.
- The company made a move to focus on industry standard size wafers, but ran out of time and funding. Was it China that derailed Evergreen Solar or the fact it was Betamaxed?
- Evergreen Solar failed to raise enough cash when times were good. In the stock's glory days, Evergreen Solar could have raised cash via stock sales. It could have used that currency to build a war chest. Perhaps Evergreen could have used its inflated stock to acquire more companies and assets. It didn't buy its way into a company that could weather a storm.
- There was simply too much debt on the books. Evergreen Solar needed more capital, but you raise debt when you DON'T need it. Not when you're desperate.
- The company doesn't make money. Evergreen Solar's net loss for 2010 was $465.4 million. In 2009, the company lost $266.2 million. In 2008, Evergreen's net loss was $228.6 million.
All of this would be fine (with everyone but the investors, of course) if Evergreen's failure had been 100% investor-funded. But it wasn't. The State of Massachusetts is out tens of millions of dollars, and the stimulus-funded projects containing Evergreen-produced panels may not be serviceable if something goes technically wrong.
After today's news -- as well as the August 19 news that Spectrawatt, which received some funding from the state of New York, was also giving up the ghost -- someone should be asking Larry Dignan: "Are we at meltdown yet?"
In case you missed it, direct stimulus showcase beneficiary Solyndra filed for bankruptcy this morning, idling 1,100 workers. The reasons identified in Darren Goode's Politico item somewhat echo those relating to Evergreen (bolds and numbered tags are mine):
"Regulatory and policy uncertainties in recent months created significant near-term excess supply and price erosion," [1] Solyndra President and CEO Brian Harrison said in a statement. "Raising incremental capital in this environment was not possible. This was an unexpected outcome and is most unfortunate."
Solyndra's problems included "uncertainty in governmental incentive programs in Europe and the decline in credit markets that finance solar systems," according to a company news release.
The price of solar has dropped more than 40 percent this year, influenced heavily by highly subsidized Chinese firms.
Clean energy advocates called Solyndra a casualty of a maturing solar industry.
"That's the reality of capitalism," [2] said Josh Freed, vice president for clean energy at Third Way. "The solar industry is shaking out — prices are dropping and consolidation is happening. [3] We're in a survival of the fittest or fleetest mode where companies are positioning themselves for a more competitive market."
... Obama visited the Fremont facility in May 2010 and touted it as an example of why the administration had funneled tens of billions of dollars in loan guarantees and overall stimulus help to clean-energy facilities.
"The true engine of economic growth will always be companies like Solyndra, will always be America's businesses, " Obama said at the time. "Less than a year ago, we were standing on what was an empty lot. But through the Recovery Act, this company received a loan to expand its operations. This new factory is the result of those loans."
The Energy Department — in a blog post just before the company's noon announcement — touted its loan guarantee programs while acknowledging that it does not always pick winners. [4]
- [1] -- I believe this translates to: "We were making stuff even when we had no idea of whether we could sell it."
- [2] -- That's a pretty brazen statement by Mr. Freed with little if any attachment to reality. Any resemblance between the solar "industry" and capitalism is purely accidental. Rush Limbaugh was much closer to the truth when he said on the air during the 2 p.m. hour that "There never was a real business there." And here's a shocker (not, not really) Darren Goode "somehow" overlooked: Joshua Freed recently "was a Vice President at GMMB, where he was part of the media team for Obama for America and advised the senior leadership of the Bill & Melinda Gates Foundation. Mr. Freed also was the communications director for the Obama Colorado caucus campaign and advised the Obama for Colorado campaign in the general election."
- [3] -- In another non-surprise, Mr. Freed, in his position at Third Way, "focuses on the policies and strategies needed to bring about clean energy reform and to address climate change." There is no evidence in Mr. Freed's stated background of anything resembling first-hand experience with capitalism.
- [4] -- This statement echoes Massachusetts Governor Deval Patrick's statement that he "would do it all over again" after Evergreen's bankruptcy filing. They just don't get it. It's not the government's job to "invest" in "private" industry in the hope that they can "pick winners." Private investors, who of course often fail to pick winners, do a consistently better job of that, especially in the areas of due diligence (taking equity if necessary (more often than not it is, and in the form of a majority stake) and in structuring financing arrangements which put the founders' and managers' feet to the fire to produce results -- or get out of the way so investors can find people who can.
Solyndra's still-extant history page indicates that it reached $140 million in revenues last year after $100 million the previous year. Since it's privately held, unless Congress received financial statements at some point (which seems doubtful, based on the history of efforts to pry information from the executive branch and the company; per Politico's Goode, "a July [congressional]subpoena deadline came and went without a response"), we don't know if it was ever profitable. Another interesting point: Goode also notes a company claim that its sales "has increased its sales revenue by 2,000 percent in three years." That statement makes would appear quite likely that the company's annual sales at the time the it received its hundreds of millions in federal loan guarantees were far less than $100 million.
A non-accounting person intuitively knows that even a somewhat profitable company with the high-end revenue stream noted is courting danger by borrowing money to the tune of almost four times its sales ($535 million divided by $140 million). But it looks like the Department of Energy couldn't figure that out.
Early indications are that President Obama in his jobs initiative announcement next week will want to dump more money the government doesn't have into even more "clean energy" and "green jobs" projects which, based on the track record, are destined not to pan out. One would hope that Obama and his party will give this madness a second thought in the wake of the Evergreen and Solyndra fiascos; but it probably won't happen.
Cross-posted at BizzyBlog.com.
For more on the lack of coverage given to disappointments over the creation of so-called "green jobs" please see Julia Seymour's "Networks Barely Criticize Obama's Disastrous 'Green Jobs' Policies."

subset: commoncrawl


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Created: 29/02/2008
From toffee tins to paintings by some of this country's leading dog artists, the Irish Setter is the latest breed to have a solo exhibition at the Kennel Club Art Gallery.
The KC is fortunate to own some historically important pictures on the breed and three of them form the centrepiece of the exhibition; Maud Earl's oil of Ch Shandon II and Ch Geraldine II that she exhibited in her first solo exhibition and Cecil Aldin's pastels of FT Ch Sulhamstead Valla D'Or and FT Ch Sulhamstead Sheilin D'Or.
Pictures on loan include a very stylised portrait of a dog in a landscape by FT Daws; a fine watercolour by the portrait and figure painter Percy Harland Fisher; an early work by Mick Cawston showing four dogs from Mrs Trott's Cribbarth kennel and two head studies by John Emms of dogs attributed to having belonged to Purcell Llewellin. One is an early work by Emms and features a bitch named Sybil who carries a lot of white and was painted at a time when this colour was losing ground to the solid red that swept all before it.
Sculptures include a realistically modelled head study of Sh Ch Caspians Intrepid by Sally Reece; three life-size resin bronze sculptures by Rosemary Cook whose sympathetically observed models have established her as one of the country's leading contemporary animal sculptors, a standing bronze by the German sculptor Fritz Diller who is equally well-known for his work in porcelain, and all three sizes of the Royal Doulton model based on Menaifon Pat O'Moy sculpted by FT Daws.
The display drawers in the gallery often contain some unexpected treasures. A small medal by the French artist and Animalier Richard Fath; a Crufts medal won by Ch Winifred who won the bitch CC at Crufts four years running from 1899 and was the foundation of Mrs Ingle Bepler's Rheola kennel; the original bronze medallion designed by Edith Cornish in 1909 that is still used as the Irish Setter Association, England's logo and two hand coloured photographs of Ch Carrig Maid, the bitch CC winner at Crufts in 1903.
One advantage these intimate exhibitions have over the large gallery/museum exhibitions are the collectables, sometimes seemingly trivia, which fanciers have in their collections. It is one such piece that stole the Irish Setter exhibition for me; a 1920s painted spelter group of a lady with her two dogs, dressed for the shooting field and striding out with determination and arrogance. It screamed Art Deco but not only that it made a great social statement about women's emancipation, challenging men in roles that had traditionally been their prerogative and questioning the rules on dress code between the sexes.
A Celebration of the Irish Setter is hosted by the Irish Setter Association, England in its centenary year and runs until August 1. The KC Art Gallery is open by appointment Monday – Friday, 9.30am – 4.30pm.


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Hypocalcemia is when a person doesn't have enough calcium in the blood. In babies, it's called neonatal hypocalcemia. Your baby can get it at different times and from different causes.
Early hypocalcemia happens in the first 2 to 3 days of a baby's life. It is more likely to go away.
Late hypocalcemia starts in the first week or weeks after birth and is less likely to go away.
Early hypocalcemia can have a variety of causes and usually goes away.
Late hypocalcemia is rare and has a number of known causes. Late hypocalcemia may be caused by drinking cow's milk or formula that has too much phosphate. This is no longer a common cause. Hypocalcemia can also be caused by a problem with parathyroid hormone. This hormone is made by the parathyroid glands in the neck. It helps keep the amount of calcium and phosphorus at a normal level in the blood. Low parathyroid hormone levels can cause too little calcium in the blood. A number of conditions, such as DiGeorge syndrome (22q11.2 deletion syndrome), may cause low parathyroid hormone levels. This is because calcium and phosphorus levels in the body are interrelated. Low magnesium levels may also cause low calcium levels. This is because calcium levels are related to levels of magnesium.
Hypocalcemia is more common in babies who are premature or who have a low birth weight. This is because their parathyroid glands are less mature. Babies whose growth has been slower than usual before birth may be more likely to have severe hypocalcemia. This happens because less calcium crossed the placenta. Hypocalcemia can also occur in babies who have a difficult birth and in babies whose mothers have diabetes.
Symptoms of hypocalcemia may not be obvious in newborns. Most infants have no symptoms. If a baby does have symptoms, they may include:
Muscle twitches
Poor feeding
The symptoms of hypocalcemia in the newborn may look like other health conditions. Make sure your child sees his or her healthcare provider for a diagnosis.
Your baby's healthcare provider will examine your baby. He or she will also do tests to check the amount of calcium in the baby's blood.
Hypocalcemia may get better without treatment, especially if there are no symptoms. Early hypocalcemia most often goes away in a few days. Babies with late hypocalcemia may have calcium supplements in their feedings or in an IV.
Hypocalcemia is when a child doesn't have enough calcium in the blood.
There are 2 types of hypocalcemia in the newborn. Early hypocalcemia usually goes away. Late hypocalcemia does not.
onset happens in the first 2 days of life. Late onset happens after 3 days of life.
Tips to help you get the most from a visit to your child's healthcare provider:
Know the reason for the visit and what you want to happen.
Before your visit, write down questions you want answered.
At the visit, write down the name of a new diagnosis, and any new medicines, treatments, or tests. Also write down any new instructions your provider gives you for your child.
Know why a new medicine or treatment is prescribed and how it will help your child. Also know what the side effects are.
Ask if your child's condition can be treated in other ways.
Know why a test or procedure is recommended and what the results could mean.
Know what to expect if your child does not take the medicine or have the test or procedure.
If your child has a follow-up appointment, write down the date, time, and purpose for that visit.
Know how you can contact your child's provider after office hours. This is important if your child becomes ill and you have questions or need advice.
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text: If I use tws`s newest platform broswer based and I am trading CL with a chart and button trader, when I click on button trader I lose the chart, it brings up another chart or tws data screen--it works fine with the previous version of the broswer based so i just use that one, but I have tried locking the pin etc, nothing works for the newer version, and I know they will switch eventually so I have to figure this out. Anybody else have similar problems, any solutions? thanks


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All great rounds of golf begin in the pro shop! Of course we have an awesome selection of merchandise from balls and gloves to shirts and hats to choose from. Most importantly, our exceptional staff is ready to get you to the first tee and on your way to a new course record. Well, maybe it's only your best round of the year but it feels like you just won the club championship. Once you're done playing, there isn't a better audience to listen to your golf stories. We love golf and Deerfield as much as you do!
Tee times can be made up to 7 days in advance. Once again, if your plans should change, we just ask that you be respectful of others wanting to play by cancelling your reservation 24 – 48 hours beforehand.


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Mi SciELO
Servicios Personalizados
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Links relacionados
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Gaceta Sanitaria
versión impresa ISSN 0213-9111
ORDONEZ-IRIARTE, José M. et al. El medio ambiente y su impacto en la salud: riesgos tradicionales, nuevos riesgos. Gac Sanit [online]. 2004, vol.18, n.4, pp.222-233. ISSN 0213-9111.
The objective of this article is to investigate three representative elements of environmental health from a geographical perspective taking the Autonomous Community as the unit of analysis: legionnaire's disease, chemical safety and food safety. Legionnaire's disease is a pathology with a specific epidemiological profile; males, adults, and with previous chronic pathologies and habits. The official response, with regard to recent outbreaks and the increase in the incidence of legionnaire's disease, has differed between autonomous communities due to peculiarities and different organizational cultures. Both the sinking of the ship Prestige and the accident at the oil refinery at Puertollano (Ciudad Real) have increased concern in the population about chemical substances, so familiar in our environment. However it is not only the big accidents which are relevant: it is surprising to learn that most of the registered poisonings are due to domestic cleaning goods. The pending challenge from the Public Health point of view is to elaborate the Report on Human Exposure to Environmental Chemical Agents which, undoubtedly, will help to establish differences between type and class. Finally, the number of outbreaks of food poisoning continues to be of concern; this should lead us to think about the effectiveness of food safety programmes and to focus on the home, being place where most of the outbreaks occur. The General Sanitary Inspection of Food ought to be a good tool to help improve food safety.
Palabras clave : Legionnaire's disease; Chemical safety; Food safety; Autonomous community.


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Cloud Services
What is the "Cloud"?
The "Cloud" is actually a buzzword adopted by the IT industry in the late nineties to more easily describe a massive collection of servers across the word that hold data that can be accessed from anywhere and generally by any device... so long as you internet connectivity. The concept that is now know as the cloud has actually been around since the earliest day of computer science when mainframes were the size of a basketball court. The idea that data and computations were performed on the mainframe only being accessed and instructed from a "dumb" terminal is essentially the same thing as the cloud. With advances in solid state microprocessor miniaturization and readily accessible high speed internet connectivity for both computers and smart phones the cloud has become a daily part of people lives; most of the time completely unbeknownst to them. As opposed to the belief the data is in a magical cloud of ether it does in fact exist on a physical server somewhere in the world, usually multiple servers.
What can the "Cloud" do for you?
The "Cloud" has been leveraged by major companies as an extremely cost effective solution for multiple needs such as data storage and collaboration. While the ease of access and use can be a boon there are serious considerations in regards to security that ought to be considered.
At the most simplistic level transfer of files with the use of applications such as Google Drive, OneDrive, and Dropbox have allow for a small amount of data made available to the user at no cost. Once beyond that particular threshold (15Gb for Google Drive as an example) the cloud becomes a paid service. Again the advances in hardware the cost associated with space has become very inexpensive and scalable to fit any companies need. The size of the "Cloud" is, in theory, infinite.
At its most advanced level the cloud can operate as a back bone for enterprise scale businesses that have their entire infrastructure built in to the cloud, maintaining an astounding amount of data and supporting thousands of end users.
The need for security still exists. Encryption and VPNs (Virtual Private Network) are almost always implemented when utilizing the cloud, especially when data is very sensitive such as financial or medical information.
Could cloud implementation be a good fit for your company? TechStarters has extensive experience in implementing cloud services for companies. Navigating the pitfalls that can come with migrating to the cloud and saving you and your company time, money, and hassle. Would you like to know more? Please feel free to contact us.


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Massage Therapy provided in Folsom
Awarded Best of Folsom For 5 Consecutive Years! 2013-2017!
How Can Massage Therapy Help Me?
Massage therapy is not merely a luxury, but can actually function as an important part of a comprehensive therapeutic treatment plan. Countless studies have revealed that massage is highly effective for the relief of a variety of physical and psychological conditions when carried out by a licensed and professionally trained practitioner.
For Relaxation or Therapeutic Relief
Whether you require massage therapy as a well-deserved treat; a drug free alternative for alleviating chronic physical symptoms or as a complement to conventional medicine, Intense Therapy LLC offers Western and Eastern massage therapy treatments that can be adapted to any requirement and provide lasting relief.
Located in Folsom, CA serving Folsom and surrounding cities and areas.
Located in Folsom, serving Folsom and surrounding areas.
CALL US AT (916) 817-2424 to schedule an appointment.Get in touch with us


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Grey cotton melange formal trousers
As low as DKK1,499.00
In stock
- Free returns
- Delivery time 1-4 business days
- Official Profuomo online store
These cotton melange trousers are ideal for summer as we use the finest possible cotton yarns to create a fine mélange wool optic with the comfort of cotton.Perfect for both the warmer as well the chillier days.The fabrics are from the Italian Di Sondrio.
- Article code
- Colour
- Grey
- Quality
- Cotton-blend
- Design
- Solid
- Style
- Formal trousers
- Fabric
- Woven
- Care instructions
- Do not bleach
- Do not tumble dry
- Dry clean
- Iron medium temperature
- Wash at or below 30°C
- Care description
- Wash and iron inside out and wash with similar colours. Use a detergent without bleach. May dry and wet bleed a bit so be careful with light-coloured furniture, accessories and garments.
- Label
- Sky Blue
Shop the look Easy like sunday morning
View complete look


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Fun, friends, food, and free events for YOU!
Grand Opening Open House
Saturday, April 29th from 9 am to 4 pm
Clear this day on your calendar. Our month of grand opening events is concluding with a fantastic celebration in our new space!
- Heart-full presentations – What will empower you?
- Relaxing healing energy sessions – What will you let go of?
- Great Prizes – What will you win?
- Tasty Food – What will you choose?
Connection, Community, and Excitement! And everything is Free!
Play our grand opening game and win prizes!
Move through steps on your game board and earn prizes: Labyrinth Wisdom oracle deck, finger labyrinth, CLC journal, and finger labyrinth meditation packet.
Relax with a healing energy session!
Eva is offering free 10 minute healing energy sessions throughout the day. Get your name on her schedule early. These will fill up fast!
Hear empowering talks by inspirational women!
Fascinating women who are excited to connect with you are presenting every hour.
Your Body will Thank You!
9:30 am – Eva Morrell of the Creative Life Center
What's all the buzz about? Develop a personal relationship with healing energy as Eva weaves together research, experience, and inspiring stories. Your body will thank you!
Compassionate Reiki Master, Eva Morrell, LRMP, is full of fun and is an enthusiast of movement, music, healing, and nature. What do they all have in common? Energy! Eva is passionate about energy and helping you flow smoothly through your days.
Greater Vitality can be Yours!
10:30 am – Emily Wishall of Wishall Wellness
Discover the 3 key areas to experiencing greater energy, confidence, and vitality all-day. Leave with a deeper level of body awareness and practical tools you can use immediately to begin to make shifts in your life.
Certified Rolfer and Superfoods Guru, Emily Wishall is on a mission to help women who feel insecure and/or ashamed in their body, often feel tired/lethargic, or are experiencing physical pain. Emily guides her clients to feeling more confident, energized, and at home in their body.
The Compass Within: connect with your inner knowing
11:30 am – Laurie Seymour of The Baca Journey
There is a feeling that fills the body when you arrive at the truth of a particular moment in time. It's as if the pieces of the puzzle fall into place with a sweet inner sigh of knowing. This is The Compass Within in action. It exists. It is real. And you can learn to access it with ease.
Provocative speaker, author and mentor, Laurie Seymour, M.A., knows that life's deepest answers shine through when you get quiet and connect with your inner resources. She has spent decades studying and working with energy systems dedicated to inner focus and self-mastery.
It's Never Too Late to Live Your Dream
12:30 pm – Donna Visocky of Bella Spark Productions
It's never too late to live your dream and create a new future for yourself. As long as you are here, as long as you are still breathing, it doesn't really matter what your age is – the dream that you brought with you when you came into the world is calling to you still, wanting to be born in new and imaginative ways. Join Donna as she shares the tools for leading a heart-centered and expansive life.
Donna Visocky is an Author, Speaker, Beautiful Spark and founder of BellaSpark Productions. The death of her daughter Kristi led Donna on a journey of exploration into spirituality and the expansiveness of life – both seen and unseen. Donna has met, interviewed and facilitated conversations and events with many of the world's top visionaries.
Your Fearless You
1:30 pm – Macy Matarazzo of The Love Advantage
Fear can either keep us paralyzed, sad, lonely and broke or inspire us for more Connection, Joy, Love, & Prosperity in our lives. In this talk, Love Coach Macy will share her secret to shifting from fear to excitement so that you can transform this uncomfortable feeling to help you find love and create success.
Macy Matarazzo devotes her life to helping other women stop the madness and draw in a meaningful and blissful relationship. She brings her clients a magical combination of transformational change methodology, intuitive guidance, yoga & creative exploration to attract extraordinary Love in their lives.
Creating the Change You Long For
2:30 Marcia Chadly of the Creative Life Center
You look around and long for things to be different. You are ready, past ready, for something new. Wonderful! Join Marcia to explore the three steps to creating sacred change in your life. A new path forward is waiting for you!
Colorful artist of life, Marcia Chadly gets excited by the alchemy of creativity, community, and sacred space. She has been guiding women into connection with their heart and inner wisdom for over 10 years. Marcia is deeply committed to providing rich experiences and support for you and your life challenges!
Creative Life Center's new Westminster location
8778 Wolff Court, Suite 207 Directions and Map
You don't need to register – drop in any time between 9 am and 4 pm. Do you have a friend you would like to spend the day with? Bring her with you!
As with all CLC experiences, you will enjoy benefits to:
Self – Leave refreshed, inspired, and smiling.
Relationship – Talk and connect with kindred souls.
Community – Enjoy time in heart-centered community.
Click on the icon below to add this event to your calendar.
- April 29, 2017
9:00 am - 4:00 pm


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Business seminars - English
Learning Business English in the shortest amount of time
What is the aim of Business English instruction?
Business seminars conducted via The Berlitz® Method provide effective Business English instruction to employees who need to learn how to manage work-related communication in the English language in the shortest amount of time. Therefore,Berlitz® Seminars are focused on verbal practice and the simulative use of Business English in practice.
• Comprehensive two-day instruction
• Goal-oriented language instruction to help overcome language barriers
• Learning based on real, interactive role-plays
• Inclusion of case studies, as well as economic and political discussion themes
• Consultation with the participants to ensure selection of appropriate course content
• No more than 6 participants in one seminar
• English
Optional themes of the seminars:
• Telephoning in English: for effective communication over the phone
• Email and Business Writing: to impress clarity and professionalism in written business communication
• Language of Meetings: to form reasonable arguments in business negotiations
• Presentations: for impressive group presentations
• Business Small Talk: small-talk dialogues that can help build your business relationships
• English for Human Resources: learn and practice direct dialogues to motivate as well as introduce new opportunities to employees
• Banking and Finance: learn practical languageand specialized terminology in the fields of banking and finance
• Negotiations: learn and practice effective business negotiation conduct
• Business Communication: learn and practice appropriate language and terminology to better assist you with business communication
• Arts and Entertainment: discussions on cultural themes to help build confidence when speaking about arts and entertainment
• Social Situations: for success in everyday life
How much time does Business English instruction take?
Our Business English seminars can be individually scheduled and adapted to accommodate your scheduling needs.
How to start?
We will be glad to answer any of your questions. Please write to or call your local
Berlitz Language Center, and we will schedule an appointment for you to meet with us so that we can answer any questions you might have. Lastly, you and your employees who participate in the Berlitz Business English seminar will receive a free (Berlitz® Level/CEF) proficiency test to determine your current knowledge level of the English language.


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E.g.) If entering by car at 10AM on 00(MM) 00(DD), every hour beginning from entry up to 10 hours is calculated by 1,000 Won, and after 10 hours and up to 24 hours is charged at a fixed rate of 10,000 Won(The above fare is repeatedly applied every 24 hours )
※ Operation of the temporary parking lot is run with an advance payment system of 10,000 Won when the paid parking lot is busy.
※ All discounts are only applicable to vehicles that meet the conditions of the above table. Methods other than the above conditions will not be accepted as legitimate evidence in any case whatsoever.


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Think Alibaba's Too Rich?
- Order Reprints
- Print Article
Investors are increasingly asking how to hedge one of the hottest sectors in the world: Chinese technology stocks. The answer is complicated.
The Chinese government has not embraced derivatives, which enable investors to easily hedge stocks. Options on popular exchange-traded funds that cover emerging markets, including the iShares MSCI Emerging Markets Index (EEM) and the iShares China ETF (FXI), either include stocks from many different countries or from a variety of sectors. The lack of precision makes hedging hard.
We recently advised investors who own EEM, perhaps the most popular of all the emerging market ETFs, to consider a stock-replacement strategy. The strategy entailed selling EEM, which was then trading near a 52-week high, and buying EEM's January $52 calls that expire in 2019.
We still like the trade, even though the fund has declined a bit, but some investors want a more pointed approach. For advice, we asked Jonathan Brodsky, principal and founder of Cedar Street Asset Management, a Chicago money-management firm that specializes in international trading.
Brodsky favors a "pairs trade." He likes shorting the Guggenheim China Technology ETF (CQQQ) and buying the iShares Emerging Market Dividend ETF (DVYE). If he is right, the Guggenheim ETF price will decline, and the iShares Dividend fund will advance, and investors will profit by pocketing the difference between the two.
In recent trading, Guggenheim was priced around $65 and the Dividend ETF was at $45.45. He says the trade is part of a "risk on, risk off" strategy that should perform well as U.S. rates increase this year.
"Emerging-market value stocks trade at sizeable discounts to growth stocks even though they have strong growth dynamics, lower valuations, and attractive dividend yields, albeit at admittedly lower absolute rates of growth," Brodsky said.
The trade has moved in his predicted direction, a move that is likely just the beginning of a trend. After all, CQQQ trades at 42 times earnings, while DVYE trades at 14 times earnings.
Brodsky's trade expresses a precise view that Chinese growth stocks will come under pressure, and that value stocks will advance. Indeed, emerging market growth stocks rose an extraordinary 47% in 2017, compared to 28% for emerging market value stocks.
Meanwhile, investor sentiment is red hot for many of China's top technology stocks.
Of the 52 analysts who follow Alibaba Group Holding (ticker: BABA), 50 rate the stock as Buy and only two rate the shares as Hold. Tencent Holdings (0700.Hong Kong) has 46 Buy ratings, and two Hold ratings.
The ratings are sentiment proxies for the broad technology growth sector. The ratings indicate that investors expect the sector, especially the key stocks that set the tone, to perform strongly and consistently. Anything that falls short of the expected mark, will likely cause investors to take profits, and prompt analysts to change their investment ratings.
Brodsky, like others, is concerned that technology sector may be reaching peak levels of growth and profitability.
He is also concerned that the popularity of emerging market ETFs are further pushing emerging market growth stocks into unusually rich valuations. He sees greater value in emerging market value stocks, especially as U.S. interest rates are expected to rise this year. When rates rise, he says value stocks tend to outperform growth stocks, a phenomenon his trade is poised to exploit.
STEVEN SEARS is the author of The Indomitable Investor: Why a Few Succeed in the Stock Market When Everyone Else Fails.
Comments: firstname.lastname@example.com
Follow: @sm_sears


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British Troops March Through Freed Bayeux
The War Illustrated, Volume 8, No. 185, Page 135, July 21, 1944.
Stalwarts of our 2nd Army marching triumphantly through the cobbled streets of ancient Bayeux on June 8, 1944, were warmly welcomed. The German occupiers had been killed or ejected or taken prisoner - though the crack of a sniper's rifle still rang out occasionally. At that early date of the Normandy campaign Bayeux had the distinction of being the first French town to be set free. Also it had the good fortune to escape bombardment; the 13th-century cathedral (in background) showed no sign of damage. Photo, British Official.


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(Ecuador) After a month in the USA and another five days searching for missing luggage, I reached home sweet Jama last week. Before making that last five-kilometer trip to the riverhouse, I visited the fishing village of El Matal to photograph the changes in the beach. Instead of taking a quick ten-minute tour, I spent hours and juggled emotions that ranged from sadness to anger and also hope.
The photos need little explanation. Continue reading


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tiny teedbits in order to decompress and do something other than calculating depreciation for the day:
[0] I remember shaking my head at God and telling Him this season of depressive fog and heavy heart better be worth it – I told myself over and over again in prayer that this season of dryness would prepare me for the coming trials and hardship in my unforeseen future (at this I scoffed and rolled my eyes at the Lord – "if it can get any harder than this that is…") You had to open your foolish mouth, becca you just had to. Of course, the Lord brought me out of spiritual wilderness straight into physical wilderness with no time to spare in between. But, it is quite, quite, the experience – having just barely made it out of the woods by the skin of my teeth and being dumped into another season of struggle – I can very honestly look back and tell the Lord, "thank you, Jesus." For showing me He is faithful, for showing me He is powerful and sovereign, for showing me He is for me – these are truths that I absolutely have to know lest I lose the spiritual fight and all hope I ever had in Jesus.
[1] was it a year ago? I dreamed that I made a mistake that cost the company a heavy loss – I looked ahead at all the partners lined up in front of me, ready to file out judgement. Panic gripped me, so tight and hot I felt I would burn to ashes right then and there – and then I remembered the Lord and whispered in my heart, "I trust you, Lord." Just like that, all the fear melted away and peace enveloped me.
Tonight, my staff calls me and points out an error in my workpapers – workpapers we have already signed off on and given to the client to decide pricing and timing. A new client – all the more troublesome and concerning as we do not have a previous reputation of good work or rapport with the client to fall back on. I immediately panic and think of all the ways my manager is going to cut my head off. My mind races as I put my head in my hands; I consider the error, added on to the string of mistakes I've been committing the past two weeks and wonder how can I be messing up left and right? What is going on?
In that moment of me questioning my own capabilities and competency (and subsequently considering whether it'd be a good idea to bang my head against the wall), I remember what I had prayed over in the morning: it is the Lord who completes His work in us, who works all things for the good of those who love Him, who have been called according to His purpose.
If the Lord wants me to mess up, no matter how diligently I comb through every number, I will mess up. If the Lord wants me to do well at my job, no matter how foolish I am, He will have me excel. I narrow my eyes and stare at the screen and feel the Lord chuckle at me. Now you understand? I tell the Lord that I trust Him and feel peace wash over me.
[2] I am not afraid. The Lord is my rock and my refugee, my deliverer and my help in times of trial. I love you, O Lord, my strength, and I will praise you forevermore.


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Vertu, a British manufacturer, known for offering exclusive mobile phone covered with handmade finishes, made of exotic materials and inlaid stones, is preparing the launch of a new model, an Android based smartphone.
Recent appeared in GeekBench results archive, Vertu V06 will probably be the company's most powerful smartphone, powered by a 810 (octa-core CPU) Snapdragon chipset and assisted by 4GB RAM.
As it is appropriate for a luxury product, the Android 5.1 operating system, will be personalized with the interface having a Vertu signature, and also apps, and access to exclusive services.
Unfortunately, photos with the third Vertu smartphone based on Android are not available, yet. We learn that, for the privilege to own a next-generation phone Vertu V06, clients will have to pay at least 8,000 $.
The package includes access to the concierge service, however, providing the user with a personal agent, ready to respond to any requests.


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As an Academy-Award nominated actor, and as part of the ensemble making up arguably the world's most popular superhero franchise to date, Mark Ruffalo is in a unique position to support causes that will make our world a better place. Fortunately for us, he has chosen to stand for an issue both close to the heart of DiscountFilterStore.com and critical to our world as a whole: clean water. Continue reading
Tired Of The Refrigerator Water Filters Bait & Switch?
[Through midnight on Monday, June 23rd, get FREE shipping on all orders – including orders containing the refrigerator water filters below – by using the code 'June1' at check out.]
Earlier this week, we shared information that is probably not incredibly surprising to anyone that has ever purchased refrigerator water filters online: It's just a little bit cutthroat out there. Continue reading
Stop Getting Overcharged For Refrigerator Water Filters At Lowe's & The Home Depot
[Through midnight on Monday, June 23rd get FREE shipping on all orders – including orders containing the refrigerator water filters below – by using the code 'June1' at check-out.]
Every day, and this is meant to be taken literally, our team is out there on your behalf analyzing refrigerator water filters prices offered by our competitors. Just between us, it's a little bit cutthroat out there.
Fortunately, with every search we do, we find that our prices typically match or beat those offered by our bigger competitors, whether online or brick & mortar. And in the instances where we somehow aren't the lowest, we're happy to offer you a price match as part of our No Worries Guarantee. Continue reading
Why A New Brondell Countertop Filter Is The Perfect Last Minute Father's Day Gift
Why do we wait until the last minute to find the perfect Father's Day gift?
Is it because dads are so much more difficult to shop for, or is it simply that late season exhaustion, as everything from Mother's Day to graduation parties have sapped our gift giving energy?
While we can't answer this question definitively, we can say that in reading between the lines, there are an awful lot of dads that settle for tacky ties and antiquated aprons as a thank you for all their hard work. Continue reading
Buy Your Vacuum Bags Online From Us & Skip Your Trip To The Big Box Store!
[Through Sunday, June 15th, use the discount code 'Bag20' at check-out to take 20% off our entire selection of vacuum bags! See our full selection of bags, designed for vacuum cleaner models from Dirt Devil to Oreck, here.
You may also call our customer service team for help finding the vacuum bags you need at 1-800-277-3458.]
This week marks the 145th anniversary of the vacuum cleaner's creation, meaning it's the 144th anniversary of shoppers rolling their eyes and saying, 'ugh' at the prospect of buying vacuum bags.
We feel safe in saying that there has never been a time where you've said to yourself, 'Yes! I get to buy vacuum bags today!' Continue reading
5 Ways Dirty Water Can Deflate Your Summer Plans
School buses are boarding up.
Birds are chirping as early as 4am.
And even in our Minnesota-based headquarters, we can finally safely say that there isn't a speck of snow mixed into all that lush grass and healthy dirt.
While not official until later this month, the summer season has arrived, and with it, the near daily reminders of the importance of good hydration. Continue reading
How Often Should I Change My Whirlpool Refrigerator Water Filter?
[Need help finding the right Whirlpool refrigerator water filter?
Call our customer service team for help at 1-800-277-3458 or enter your filter model number, refrigerator model number or refrigerator style into our Filter Finder.]
For decades, the name Whirlpool has been synonymous with quality kitchen appliances like refrigerators.
The Good Housekeeping Research Institute graded three Whirlpool refrigerator models between 2009 and 2013, and all scored a B+ or higher, with one model being one of the few to score an A- or higher. Additionally, just last year, Reviewed.com awarded runner-up status to two Whirlpool models in its 2013 Best of Year Refrigerator Awards. Continue reading
5 Pool Filter Troubleshooting Tips To Help Cool You Down
Sun high in the sky and barely a cloud in sight.
It's the perfect summer day in every way…except in terms of temperature. Fortunately, that swimming pool in your backyard brings a much needed sense of relief.
But this relief quickly turns into frustration as your feet touch or tiptoe the bottom of the pool and feel nothing but grit, dirt and slime. That's when it strikes you…your pool filter needs some attention. Continue reading
Do I Need A UV Disinfection System?
If you are considering a UV disinfection system for your home or business, you undoubtedly have a whole list of questions. As such a system oftentimes requires a larger upfront investment, you may have questions related to UV disinfection system cost.
You may also have questions related to how UV disinfection system technology works, its level of efficiency and whether a UV system is truly more effective than disinfectant chemicals such as chlorine.
While the questions above are valid ones that we'll try to answer below, the true determination regarding whether you need such a system can better be expressed in a checklist format, rather than an FAQ. For your reference, we've created just such a checklist Continue reading
Cycling Hydration Tips From The Experts To Get You Through Bike Month
Biking while dehydrated is bad.
Look online for biking or cycling hydration tips and this is the one bottom-line theme that everyone, from professional dieticians to hard-core bikers can agree on.
But before we get to that bottom-line agreement, there are dozens of articles containing tips, factoids and stats that can make your head spin more quickly than your bike wheels could ever hope to.
In honor of May's distinction as Bike Month, and this week's distinction as Bike Week in our Minneapolis-area headquarters, we've gone out and found what we consider to be the most straight-forward, make-sense and definitive cycling hydration tips. Continue reading →


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20 May 2011
Soul Khan | Interview
Soul Khan is an emcee from Brooklyn, NY. He began rapping in high school, and in late 2008, started working at Fat Beats Records, and joined the hip hop group Brown Bag AllStars. Soul Khan retired battle rap after a respectable run, and released a group album in 2009 with Brown Bag AllStars called The Brown Tape. In 2010, Soul Khan released his debut solo album, Soul Like Khan. In 2011, he released a solo EP, Acknowledgement. That same year, the Brown Bag AllStars also released the album, Brown Bag Season Vol. 1.
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The New York State Legislature showed good sense when it exempted people convicted of low-level marijuana possession from having to submit DNA to the state database, unless they have been convicted of a previous crime.
Still, the state must do more to curb the arrests of tens of thousands of people each year in New York City for minor possession of marijuana, despite a 1977 state law that decriminalized it.
State data show that the New York Police Department arrested more than 50,000 people last year for low-level possession, with about 30 percent having no prior arrest record.
More than 11,700 of those arrested were 16- to 19-year-olds; nearly half had never been arrested before and 94 percent had no prior convictions.
Under the 1977 law, possession of 25 grams or less of marijuana is a violation, subject to a $100 fine for the first offense. But possession of any amount that is in public view is a misdemeanor punishable by up to three months in jail and a $500 fine.
Civil rights lawyers say that many of those stopped by city police were arrested after officers told them to empty their pockets, which brought the small amount of drugs into view.
The Bronx Defenders, a public defender agency in that borough, reported last week that it had examined the cases of 518 people arrested for low-level possession in 2011 and concluded that 40 percent of them were unlawfully arrested or charged.
Marijuana arrests declined after passage of the 1977 law, but that changed in the 1990s. Between 1997 and 2010, the city arrested 525,000 people for low-level, public-view possession, according to a legislative finding.
Lawmakers and civil rights lawyers are rightly outraged that more than 80 percent of those arrested in the city are black and Latino, despite substantial data showing that whites are more likely to use the drug.
Bills pending in both the Senate and the Assembly could help reduce the inequity in the law by making public possession of a small amount a violation instead of a misdemeanor.
News Hawk – 420 Warrior 420 MAGAZINE
Location: New York
Source: The New York Times
Contact: www.nytimes.com
Copyright: 2012 The New York Times Company
Website: www.nytimes.com


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May all those whose prayers appear here, and those whose prayers are offered in private be lifted up to your loving and compassionate Presence. Hear us Lord
- Nancy
Father we thank you for Your grace! Grant each of us Your peace in these times.
Heavenly Father; I pray for healing of this horrible virus that's going around the world making people sick and people dying from it also.
- Sandra
Most Holy Lord I humbly request Your guiding hand in helping the researchers find a vaccine quickly for this virus. Please Dear Lord help us all. Amen.
- Andrea
Dad just died from cancer. One son is quarantined in Czechia. Other son's fiancé has COVID-19 and is quarantined in Spain. My mom now sick in U.S. Pray 4 us all
For son Alex who lives in Chicago. His main income is from his restaurant job. It is now closed. May he & others who are now jobless find relief soon.
- Pam
Pray for those going through any illness and that they may be comforted . God is with them and by them always. Amen.
- Alan
My mother who is my best friend has been diagnosed with cancer. Tomorrow we find out more. Please pray for her. Thank you.
- Alan
Please continue to intercede for my prayers. According to the Glory in Christ Jesus, pray that the Lord will involve Me and my Job with Protection.


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Our Halloweenie Halloween special is online…yesterday. Yes, it went up yesterday. But have no fear, if you act within the next two months, you can still be one of the first 45 people to see it! How's that for the ground floor, huh?
Oh, I'm kidding. I'm sure that "It's the Great Pumpkin, Mason" will take the Internet by storm! I mean, it is listed on the "It's the Great Pumpkin, Charlie Brown" Wikipedia page after all (a special thanks to the wikihead who listed us!).
So, if you haven't seen "It's the Great Pumpkin, Mason" go there now and watch it. I'll wait. Hmmm…waiting…waiting…waiting…
Okay, I can't wait anymore, it's not fair to those who have seen the short. Those people who left to watch the special will just have to catch me later, I'll fill them in.
Speaking of Wikipedia, LFTI has it's own page now as well (thanks again anonymous wiki user)! If you have stuff to add to it, just create an account and edit the page! It's that easy…I mean, so I understand. I, personally, have never used Wikipedia. Nope. Not ever. I don't have to. The anonymous poster does all my work for me. In fact, I think I'm going to have the anonymous wiki-person get me another cup of coffee right now…
Ahhh. Thanks Wiki-Dude.
They Like Themselves! They Really, Really Like Themselves!
Sorry for the subcategory (Wikipedia allows users to add sub-categories, like, say, special guest star categories for instance) but I wanted to change the subject a little.
As Fuz pointed out in the comments, it's time to vote for the TV Guide awards. So, if you'd like to, go ahead and vote. I urge you to vote for the "little guy." No, there's no specific show called "the little guy." I was speaking figuratively.
In the case of the "Original Web Comedy Series," "the little guy" would be the professional actor with the least amount of money.
Your options are:
"Clark and Michael" starring Michael Cera (from Arrested Development and Superbad) and countless celebrity cameos.
"Illeanarama: Supermarket to the Stars" starring Illeana Douglass (diva of the big and small screen) and countless celebrity cameos.
"Derek and Simon" created and produced by Bob Odenkirk (Mr. Show and numerous other things) and featuring cameos from Bob's celebrity buddies.
"Chad Vader: Day Shift Manager" starring…well…Chad Vader (Darth's Younger Brother – evidently much younger considering Darth lived a long time ago in a galaxy far, far away).
Okay, "Chad Vader" isn't a big show. They worked their way up from the bottom like a good indie show should, but, let's face it, they built their show around a character that was already established in the American psyche. Half their work was done for them.
So, I guess what I'm trying to say is…go ahead and vote if you want. Me? I'm not going to bother. You? Go ahead. Why not vote for Steve Carrell (The 40-year-old Virgin, The Office) for "best web actor?" He could use the boost.
Zen and the Art of Website Maintenance
Another sub-category! I just wanted to let you know that I've been pulling my hair out trying to get the new short ("It's the Great Pumpkin, Mason") on the front page. And I finally did it!
Yeah me! Go me! Me in '08!
Yes, our normal web diva has taken a new job (congrats Lauren) so she doesn't have the time to do the little stuff at the moment. So I've taken up the mantle. I put on my Cher wig. I am the new web diva!
We don't need Lauren anymore!
(No, Lauren, we still need you. Please! I'm begging you! That was just a self-congratulatory outburst brought on by an unusual feeling of…what is it? Self-esteem? See, I don't even know how to describe that emotion! Don't leave us! KATR needs you! LFTI needs you! We'll write GDD into every show!)
Enough of my groveling. Watch our fantastic new Halloween Special!


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Locked and loaded – 2016 CLIF Bar AZ CROSS Series powered by SRAM is solid. 11 Series races plus the Arizona State Championships, two new venues in Tucson, two days of racing in Flagstaff – and the return of Mooey Cross!
Lots of new categories this year – so please take a close look.
Registration opens soon at http://arizonareg.com/
Add a second race for $10.00 – why not race CX twice?


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It's my first time standing in the Lokahi Kitchen, located behind Cafe O Lei on Market Street in Wailuku. Tim Parsons and his wife Summer, the founders of Adoboloco, are carefully bottling their jalapeno hot sauce. They start by making an exclusive amount of a test batch of an unrevealed super spicy version.
"Do you know what a ghost pepper is?" Tim asks me.
"Yep," I say.
Wearing rubber gloves, Tim gingerly deposits ghost pepper slivers into his original recipe Adoboloco bottles while my mouth waters. Ghost pepper, also known as the bhut jolokia, rates an unbelievable 1,050,000 units on Scoville scale, double the heat of the habanero. It's considered the hottest pepper in the world.
Now I'm a spicy aficionado, clamoring for ever hotter pangs of pepper on my palate. I desperately want to try this version but I also don't want to seem overeager, so I hold back. I'm here for the original recipe Adoboloco anyway.
Adoboloco is a homegrown jalapeno hot pepper sauce. Of course, "homegrown" is almost an understatement. The Parsons and their three kids started a garden in Kihei as part of their homeschooling strategy and the jalapeno section really took off. In a push to utilize the prolific growth, Tim played with a hot sauce recipe and ended up making history.
"I started making larger and larger batches and couldn't keep up with the requests," Tim says. "At that point I knew it was time to go bigger. Now my immediate family is addicted to it, along with my extended family and friends. Seriously – one bottle will be drained by the end of a meal sometimes."
Tim originally made the home brewed hot sauce and bottled it in empty whiskey bottles that were lying around. But when his friends and family started requesting their own bottles, he knew he had a hit on his hands. It's also not the first time Tim has worked on a sauce.
"I had an idea about creating some products under the Adoboloco name," he says. "The best adobo is pretty easy to cook but it takes a while to really master the flavor balance. So I originally wanted to create a true adobo (Filipino Style) sauce that someone could use for a quick adobo meal. Just cut up your choice of protein or vegetables, throw in the pan, pour on the sauce and have a tasty meal in minutes. Unfortunately, I couldn't get the flavors right in the pre-mixed form that would be shelf-stable. So I scrapped the product idea and kept developing other adobo recipes and sharing them on my blog http://recipes.adoboloco.com/."
The jalapeno sauce has a nice spicy flavor that doesn't burn too heavy. I like putting it on salads and veggies. I also substitute it as part of the vinegar in my vinaigrette. It's great on proteins and rice, adding a mouthwatering zing to plate lunch type dining. In fact, it's completely replaced my love for Hawaiian chili pepper water, especially given that those store bought versions are mostly MSG. Tim says he eats Adoboloco everyday and hasn't gotten sick in over a year, attributing his health benefits to the chili in the sauce.
You can find Adoboloco at Rodeo General Store in Kihei, Alive and Well in Kahului, Ono Gelato in Lahaina and online at http://recipes.adoboloco.com/. In April they will start selling it at the Swap Meet in Kahului. If you order online from Maui Adoboloco, they'll reimburse your shipping.
Or you can win a bottle of Adoboloco right here! Just write a comment below (in three sentences or less) on why you should try a bottle of Adoboloco and you'll be entered to win a free bottle!


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Editing WSDL DocumentsEdit online
WSDL is an XML format for describing network services as a set of endpoints operating on messages containing either document-oriented or procedure-oriented information. The operations and messages are described abstractly, and then bound to a concrete network protocol and message format to define an endpoint. Related concrete endpoints are combined into abstract endpoints (services).
Oxygen XML Editor provides a special type of editor dedicated to WSDL documents. The WSDL editor offers support for validation, a specialized Content Completion Assistant, a component oriented Outline view, searching and refactoring operations, and support to generate documentation.
Both WSDL version 1.1 and 2.0 are supported and SOAP versions 1.1 and 1.2. That means that in the location where a SOAP extension can be inserted the Content Completion Assistant offers elements from both SOAP 1.1 and SOAP 1.2. Validation of SOAP requests is executed first against a SOAP 1.1 schema and then against a SOAP 1.2 schema. In addition to validation against the XSD schemas, Oxygen XML Editor also checks if the WSDL file conforms with the WSDL specification (available only for WSDL 1.1 and SOAP 1.1).
In the following example you can see how the errors are reported.
For more information about the WSDL editing support in Oxygen XML Editor, watch our video demonstration:


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In its 2018 Client Advisory, Hildebrandt Consulting LLC, shared insights and trends we've come to expect from this leading monitor of the legal market. For example, the report says that while revenues grew in the legal market, that was due in part to increased fees in the face of declining demand.
It's important to consider . . . the sectors in which the firm does business."
The Advisory also discussed cybersecurity, something firms must pay attention to since they are a sweet, sweet target for hackers and for good reason when you consider all the intellectual property, deal documents, evidence, and other juicy info that rests on law firm servers. The report said firms need to determine their own "unique risk profile." They say it's important for firms to know who has access to sensitive data, whether employees use mobile devices for work, who is in charge of IT security and the business sectors in which the firm advises clients. "Understanding the unique risks of the firm is crucial to tailoring an effective security plan." Hildebrandt encourages firms to "master the fundamentals" of cybersecurity. "Hackers often take the path of least resistance when it comes to targeting law firms. While many firms may not have the resources to implement state-of-the-art security, most firms can implement some fundamental security measures that will deter many would-be attackers. The specifics of these fundamental measures will vary depending on the size, culture, risk profile, and client base of the firm, but are likely to include things such as changing passwords on a regular basis, updating software, and training employees to avoid email scams."
Artificial intelligence and emerging technologies are expected to play an increasing role at law firms. In fact, they will " help reshape the law firm industry," Hildebrandt predicts. "We believe that the firms who harness the emerging technologies and who focus on protecting their clients and themselves from cybersecurity breaches will be even stronger in the future. While there are those who suggest that law firms cannot adapt to the shifting demands of clients and the changing competitive environment, we take a different view. We believe that law firms have historically been resilient in the face of changing market conditions and while change has come slowly, the law firm of 20 years ago bears little resemblance to the law firm of today."
You can download the full report HERE.
Among the contributors to the Advisory were Daniel Garrie, who recently joined the faculty of our Cyber Sector Risk event on Critical Infrastructure.


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Oscar Pistorius makes bizarre Twitter appearance
OSCAR Pistorius has broken his social media silence with four bizarre tweets - the first since the anniversary of his girlfriend Reeva Steenkamp's death.
The former Paralympic athlete sent out the strange messages to his 354,000 followers on Sunday night (13 July) and Monday morning (14 July), including a collage of pictures of him posing with amputee children and another asking God to "bathe those who live in pain in the river of your healing".
At 17.00 on Sunday, Pistorius began his social media session with a passage from The Bible that read in capitals "THE LORD IS CLOSE TO THE BROKENHEARTED".
He later removed the post.
This was then quickly followed by a post that included an assortment of images picturing Pistorius with a young amputees around the message: "You have the ability to make a difference in someone's life."
July 13, 2014
Pistorius' final tweet on Sunday, included a picture of him pointing to a passage from the Austrian psychiatrist best-selling book Man's Search for Meaning, written by Victor Frankl when he was a prisoner at the Nazi concentration camp Auschwitz.
In the passage, Frankl talks about a man with "nothing left in this world" only being able to "achieve fulfilment[sic]" by "loving contemplation of the image he carries of his beloved."
July 13, 2014
However, Pistorius was back on Twitter on Monday morning with another pious post.
At 07.59, he tweeted: "Lord, today I ask that you bathe those who live in pain in the river of your healing. Amen."
July 14, 2014
The tweets are the first public posts from Pistorius since 14 February, when he posted a link to an open letter on his website outlining the "pain" and "sadness" he felt at Steenkamp's death.
Pistorius wrote: "No words can adequately capture my feelings about the devastating accident that has caused such heartache for everyone who truly loved - and continues to love Reeva.
"The loss of Reeva and the complete trauma of that day, I will carry with me for the rest of my life."
What else is making news today:
Father claims kingdom so girl can be a 'princess'
Zoo's baby giraffe quick to stand tall
11-year-old sees off robber attempting to steal Playstation
Baden-Clay jury still out, seeks clarification on evidence
The letter Pistorius published on his website in February The letter Pistorius published on his website in February
Pistorius is currently standing trial for the murder of Steenkamp, who was shot by Pistorius in the couple's home in Pretoria, South Africa.
Steenkamp was in the bathroom when she was shot three times by Pistorius.
Pistorius has pleaded not guilty, claiming he thought Steenkamp was an intruder.
The prosecution alleges that Pistorius shot through the out of anger, knowing it was Steenkamp, not an intruder, hiding inside the bathroom.
The closing arguments of the case will take place on 8 and 9 August at Pretoria High Court before the judge, Thokozile Masipa, considers her verdict, which could take up to a month.


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Just had to share this brand with you: Mummymoon is a Lithuanian brand but the designer,Ieva, lived in Norway for a couple of years and she gets a lot of her inspiration from that period of her life. I love how new and exciting the cuts and shapes are, it looks so easy to wear and play in. I especially like the boys coats/jackets and the beige pants for girls. This is definitely a brand to watch and I can't wait to see what else they come up with… Go have a look at the spring summer collection here!.
xo Helena from The Jnr


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Categories » Music »
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Dire Straits was a British rock band that was formed in 1977 by Mark Knopfler (guitar and voice), David Knopfler (guitar), John Illsley (bass), Pick Withers (drums), and managed by Ed Bicknell. Dire Straits formed during the post-punk era in the late 1970s, but their sound was stripped-down and minimalist. The band broke up in 1995. This ranking includes all the band's albums, so vote for your favorites!
- Author: juan (Updated May 21, 2009)
- Sources: Classora Rankings Group
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Ok…so we're a little late on this…we're gonna try to get caught up on posts this weekend. Captured with Care has been keeping us busy! Here are the Valentine's Day portraits we took of the little man. Enjoy!
Happy Valentine's Day!
2 Responses to "Happy Valentine's Day!"
What fun shots! Look how much he has grown. Your valentine card was adorable.
Grandma and Grandpa Hill
Love these pictures, Evan! Great Happy Valentine's shots! Love, Ree


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Date(s) - 08/10/2015
6:00 pm - 7:30 pm
Lester Public Library
Mathematics has typically been a field driven by pure thought, where statements are shown to be true or false by following a sequence of logical steps until a conclusion is reached. Relatively recently, the use of computers has started to creep into this proof-driven world of mathematics. Should computer solutions of mathematical problems be considered valid proofs? In this talk, Professor Murphy will present some of the problems where computers were used to reach conclusions that have thus far evaded human thought. He will also highlight areas of math where computer use is instrumental.
This public lecture series is in partnership between UW-Manitowoc and the Lester Public Library. The series meets the mission of both institutions, in essence, providing access to lifelong learning that enhances our lives and community. Scholar for Life programs will be hosted in the Lester Public Library's Community Room. No registration is required.


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It is funny how your perspective on some fundamental things can change so much over your life.
Childhood. As a young child, learning is fun. It is so fun that they call it playing. Kids love it! They want it. They need it. They cry if they can't do it.
Early Teens. In the teens years, it may not necessarily be cool to like school. Most probably wouldn't admit to liking school except for the social aspect of it. So much learning is going on at this time, and then you add school on top of it! ha ha ha. Frankly, if you see school as a vehicle to successfully pass on to the next stage of life, it can be kind of a drag. Unfortunately, at times I have been in this state of mind. Fortunately, I think most schools are doing a much better job of engaging kids in interesting ways today.
Early adulthood. Learning is in a pressure cooker. Step 1- Figure out who you are. Step 2- Figure out what you want to do for the rest of your life. No pressure there. Ha! Then when you finally come up with something, you need to succeed in gaining the skills or credentials for it or else you have to go back to step 1. Ugh.
Mature adulthood. What a relief. No more school and learning for me! wink, wink. With official schooling done, you can live your life. But wait! Looking back, you think school was fun. You are learning new things for your job. You discover a new interest you want to pursue. You want to try a new vocation. Learning is fun again. I love it. I want it. I need it.
Full circle. Once again, we see that young children may be among some of the wisest people on the planet. smile
What is lifelong learning?
Education is the kindling of a flame, not the filling of a vessel.
-Socrates [via thinkexist.com]
Learning never stops, it is continuous. A constant process. Learning is living. Thus lifelong learning is lifelong living.
The definition according to the Oxford pocket dictionary of learning is: The acquisition of knowledge or skills through experience, study, or by being taught.
I think the term lifelong learning was coined to make people stop and acknowledge that learning isn't something that kids do in school. It is something we all do even when we aren't aware that we are doing it. In some cases, you need to be more active and seek it out. It won't get served to you on a platter. Other times, it happens just by experiencing it, whether you want to or not.
Over at Campaign for learning, they discuss the many benefits of lifelong learning. Many of these feel innately obvious, but seem very immense when you read them.
- Personal growth and expanded horizons
- Increased employability and improved career development prospects
- A broader range of interests and a wider social life
- The ability to create your own future
The last one is my favorite. How empowering. Whether we are learning or not, we all have the power to shape our lives. I strongly believe in being the driver in your own life. With lifelong learning, we have the best and most current map to make the correct turns. Makes no sense to use an outdated map.
I don't think we need to expand on why you should learn your whole lifelong. I hate to think of the alternative. Stop learning, stop experiencing, stop studying? So sad. It is akin to waiting to die. Why miss on the opportunity of lifetime?
How are adults different than kids when it comes to learning?
If you are a parent with kids in school, you know how they are teaching kids today is a lot different than when you were in school. It is a good thing. Not that our education was necessarily bad, it was suited to the time. Well, times are different.
Thank goodness, our educators are well aware and preparing for the challenge that is the future. In the Framework for 21st Century Learning provided by the Partnership for 21st century learning, a vision is provided for how students can succeed in the new global economy. There is a lot of good information there that you should see for yourself. Since I don't want to duplicate their entire document, I will highlight it for you. The vision includes:
- Core subjects and 21st century themes
- Learning and Innovation skills
- Information, Media, and Technology Skills
- Life and Career Skills
You may think that is all well and good for kids, but what does that mean for me? A lot. The skills are essential for adults as well. We just didn't get the benefit our our educators being focused and teaching to them. While all the skills are important, I found the Life and Career Skills the most pressing for adults as the future turns into today.
- Flexibility and Adaptability. Obviously, if things are constantly changing, we need to adapt to suit the needs that arise.
- Initiative and Self-Direction. You are an adult now and have to make the decision to do it and no one is going to hover over you until you do it. Just do it.
- Social and Cross-Cultural Skills. With increasing access and diversity, you will have to be able to communicate and relate with a wide audience and different mediums and venues.
- Productivity and Accountability. What is the point of doing anything unless you get something worthwhile done?
- Leadership and Responsibility. The take charge attitude. Ownership to ensure that things are taken care of.
Yes, yes, and yes please. These are the skills that we all need in the breakneck speed of the change we all live in. You know how young kids can dance circles around seniors on the computer? Well, before you know it, our kids will be dancing circles around anyone in the working world who sits still for too long. It is coming!
So how do we, adults, make sure we can compete in our senior years. We learn. However, adults learn differently than kids learn. It can help to understand a little about adult learning. Here are some guiding principle from The Queensland Occupational Therapy Fieldwork Collaborative (QOTFC).
- Adults are internally motivated and self-directed
- Adults bring life experiences and knowledge to learning experiences
- Adults are goal oriented
- Adults are relevancy oriented
- Adults are practical
- Adult learners like to be respected
So learning looks different, but can be very efficient. Adults bring a lot to the table that helps them to learn. The learning tools just need to be focused to what you want and need. Then it is up to you to take the bull by the horns and make it happen.
You can learn more about Malcolm Knowles' theory of adult learning theory, or andragogy, at elearninginfographics.com.
Excuses you will use and why to overcome them
There is a great article that you should read on lifelong learning over at artofmaniliness.com. It lists the excuses, pardon me, barriers that you will cite when trying to reconcile not pursuing further learning. Sorry, they don't pass the sniff test. The tough love is coming out.
- Time. You can study in whatever intervals that make sense for you. Be patient. However, next time you are binge-watching television or playing a game app, think about how you are investing your time and if it is worth it to you. Yes, investing is the correct word to use. That time you spend can reap benefits in the future. What better thing to invest in than yourself?
- Money. A legitimate problem, however, there are many online, library, and other resources available that are free. Based on what you are pursuing, there is likely some form of assistance for those in need.
- Information. Hardly a problem these days, it is more likely getting access to the right resources. Again, there is a plethora of resources. Check online, at libraries, and other community organizations to find what fits the bill. You must persevere.
- Location. Once again. There are likely solutions to get access to what you need in the day and age of the internet.
Why should you overcome them? Just refer back to the benefits of lifelong learning. Remember, growth, employability, more interests, wider social life, and the ability to create your own life.
Don't just do it, embrace it! This is you we are talking about and no one else can do it for you. It's your life!
Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps learning stays young.
-Henry Ford [via educatedrooster.com]


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Who wants to go for a experience? If your hen is whatever like mine, she likes to pay attention to that query. Going for a trip may be a laugh and safe if you observe the tips of this article. Without making the manner sound too technical, there are three distinct ranges of the tour that you should recall. Those 3 degrees are the Preparation Stage, Travel Stage, and Arrival Stage.
You might also have a hundred things to plot for earlier than your adventure mainly on a protracted trip. However, including a pair greater issues to permit your chicken to go together with you'll be properly worth some time and your chicken will thanks.
Taking sufficient meals to final the journey is glaringly a chief consideration. If you are walking right down to the grocery keep then you can forget about this attention. For longer trips, it is a superb idea to make certain your bird has meals PRIOR in your journey due to the fact your chicken in all likelihood will now not be inquisitive about eating all through any quick experience. It maximum in all likelihood won't be interested in eating because it'll be distracted and/or afraid due to its new surroundings. Providing nutrition prior to journey can even assist the chook's body cope with any journey related pressure.
However, if there may be a possibility of the trip being extended or the possibility of being stranded away from domestic (snow, vehicle malfunction, and so on) you'll nonetheless need to make contingency plans. Just take a couple days supply of meals, and location it in a Tupperware bowl, or a sealed baggie relying on how an awful lot of meals could be required. Toss it within the car and you will have it simply in case of emergency. The kind of meals which you take depends totally on your fowl's regular weight loss plan. If your fowl will consume pellet food then your meals instruction is very simple. If your fowl's diet is composed best of fruit and veggies then your preparation time can also take longer. Fruit will normally close pair days in case you wait until feeding time to cut/chop/cube it and most greens may also ultimate a couple days. Taking the time to prepare meals for your chicken may be very useful for your intellectual properly being and your chook's bodily nicely being just in case something is going wrong.
Water is another important aspect to recall whilst making ready for your adventure. Much like meals, it can or won't be wished to depend on the length of your journey. However, just like preparing food in case of an emergency, sporting in a little water is straightforward and can be very beneficial if something is going wrong which suddenly extends your adventure. Usually, a small bottle of water is all that is required for maximum journeys. Adding any other bottle for longer journeys or in case of an unexpected emergency is straightforward and can grow to be beneficial to you and your chook. Fruits and vegetables excessive in water content material provide some other method to keep your chook hydrated all through the journey. Depending to your fowl, on occasion they are much more likely to eat an apple slice, grape, orange slice or other meals so that it will provide them with the water essential to maintain them hydrated.
It is a good concept to ensure your hen has water PRIOR to your journey due to the fact most possibly, your bird will not be interested in consuming at some point of a quick trip anyway. It most probably may not be interesting in consuming because it might be distracted and/or afraid due to its new surroundings. Providing water previous to tour will also assist the hen's body cope with any travel associated strain.
Food and Water education commonly are very simple due to the fact we offer our birds with food and water in numerous instances an afternoon. Providing for refuge all through travel isn't as common however it may also be very simple. Commercially available vendors for birds are anywhere (online, neighborhood pet shops, and so forth). It is also quite simple to convert a small cat or canine service right into a chicken provider. These may be located at garage and backyard sales and normally at very affordable charges. It is very simple to add a perch to a canine or cat carrier. For plastic inflexible carriers, a timber dowel can be screwed into the service the usage of two screws thru the side of the provider into the wood dowel. For metal companies, a perch from the fowl's cage may be attached within the carrier similar to it's far attached to the hen's cage.
Depending on how familiar your bird is with the provider, you may need to put together your chook for the service. Ideally, you have to start this manner a couple weeks prior to your departure date. This will allow enough time for your bird to get used to the carrier. You can start by letting your chook explore the outdoor of the provider with the door open. Eventually, your chook will discover the internal of the carrier. You can also trap it with a favorite toy or treat. Eventually and progressively, your fowl will feel more secure around and within the provider. This technique ought to be executed as far in advance as viable for your departure date to be able to give your chicken plenty of time to get acquainted with the service.
To put together the provider for the journey, all you have to do to the carrier is to put some bedding in the bottom of it together with paper, paper-towels or other suitable bedding and it's prepared to move. On lengthy flights, a fave toy can be added to the service to help distract and amuse your chicken at some point of the experience.
So you've got spent the time to put together for the adventure and now it is time to go. What do you do now? There's really not lots to do at this point. Just vicinity your hen inside the carrier and placed it within the vehicle. The maximum essential thing to do is to strap the carrier into your seatbelt machine. This will be important inside the case of an emergency however extra importantly it'll stabilize the carrier and create a miles smoother ride on your chicken. This will prevent the carrier from rolling, slipping, and sliding as you start, flip and forestall the auto. It is essential that you disable the air-bag if strapping the carrier into a seat with an airbag. Most automobiles both robotically disable the airbag or you can do it manually. If disabling the airbag isn't an option, place the carrier inside the lower back seat where there aren't airbags.


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Buy Blog Comments Lets You Buy Spam. So Not Cool.
A rather new company called Buy Blog Comments is promoting its service, offering to leave spam comments on other blogs.
For just under $20 you can get 100 comments. If you're looking to completely waste your money, you can get 1000 comments for about $200. Based on the company's own description of its service, there's a team of humans behind the curtain that will leave relevant comments on relevant blogs, taking extra measure that these spam comments will not be deleted. Buy Blog Comments comes from the Developer Hut Network, which is also the parent company for other spamming services such as Funny MySpace Comments. We've all seen spam comments on blogs, and several bloggers and blogging services take measures to prevent the proliferation of this type of spam.
This business model rarely works out in the long run, especially when you're dealing with effective communities such as Digg. A similar service that has emerged out of the ashes of Adder Robot, TellyAdder.


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