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Masonboro by Museum School Instructor Kirah Van Sickle
Renato Abbate (firstname.lastname@example.com) was born in Italy and transplanted yearly till 1999. He currently lives in Wilmington and loves the port city. He is always looking for ways to push his work further using mixed media and clay. Innovation is his inspiration.
Topher Alexander (email@example.com) earned a B.A. in Studio Art from the University of North Carolina Wilmington. He currently serves as the Assistant Gallery Director at UNCW CAB Art Gallery. His artwork is driven by experimentation, and grounded in raw materials.
Todd Carignan (email@example.com) Along with teaching in the Museum School at Cameron Art Museum, Carignan teaches art to children at Dreams of Wilmington. He judged the 2013 Azalea Festival Art Show and the 2014 NC Silver Arts Fine Art Competition, both in Wilmington, NC. He exhibits regularly at Artfuel, Inc., The Occasional Art Gallery and The Wabi Sabi Warehouse, all located in Wilmington, as well as Manifestationz, in Cary, NC, and the Howl Gallery, in Fort Myers, FL.
Alan Cradick (firstname.lastname@example.com) has been a photographer for 30 years. In that time he served in the US Coast Guard performing Public Affairs duties that included news, editorial, portrait and feature photography, as well as a photographer on the Cape May Star and Wave, a newspaper in southern New Jersey. Alan currently works as a stringer at the Star-News in Wilmington where he photographs features and sports for the web and print editions. Alan also has his own photography business. Portrait, wedding and fine art nature photography in Southeastern North Carolina are his passion.
Catherine Cross (firstname.lastname@example.com) With over 30 years of hands-on art and education experience, Catherine continues her journey as a lifelong learner, artist, educator, and designer. She specializes in programs for all ages and abilities, developing opportunities for hands-on learning through arts immersion. As an Independent Educator and Consultant she has worked with the Orlando Museum of Art for the past seven years to develop and implement programs. She was invited by Rollins College, 2013, to join the Faculty for their new STARS Lifelong Learning program teaching classes that range from Indigo is World to Art for the Brain. She loves to write and facilitates the Writers Group at Rollins. A presenter at Art and Early Childhood conferences at the local, national and international levels. Her favorite mediums to work in include clay, printmaking, fiber arts, drawing, painting and photography.
Glenn Davis (firstname.lastname@example.com) opened up his studio in the attic above his parents garage when he was 11 years old. Taking money he earned mowing grass, he painted his first landscape, and a portrait of his pet cat. A renaissance thinker, his talent took him many other places in music and creative design, throughout his adult life. His passion for the visual fine arts was rekindled 5 years ago by the discovery of new techniques in photorealism with colored pencils. Glenn has taught college courses that included such topics as color theory, perspective, form and value, principles and elements of design for ten years and is now retired and living in Wilmington where he paints every day in colored pencils and water colors. Glenn is a member of the Colored Pencil Society of America (CPSA), a nonprofit for artists promoting colored pencil as a fine art medium.
Kevin Dunn, (firstname.lastname@example.com) originally from Asheville NC, received a BFA in Painting with a Minor in Drawing from Western Carolina University. For two years after his undergraduate Kevin maintained a studio and managed a small gallery in Sylva, NC. Going on to receive his MFA from Western Connecticut State University, he then became assistant manager of Jerry's Artarama in Norwalk CT, where he developed a teaching relationship with the Silvermine Art Center. He also developed courses at The Washington Art Association and The Rowayton Art Center. In August of 2013 Kevin and his family relocated to the Wilmington area where he continues to paint and teach at Cape Fear Community College and Brunswick Community College.
Joanne Geisel (email@example.com) "Most of my paintings reflect a moment in time where the immediate impression captures my emotions and sense of design. I assess the composition, the values, the proportions and color, then I paint, all the while trying to maintain the initial feeling that drew me to paint the particular landscape, person or still life. " She pursued a degree in Art Education, then followed careers in human services and higher education, and received a Masters in Public Administration. Joanne teaches courses in Wilmington, NC and conducts workshops for many organizations. Her paintings have won numerous awards in juried shows and are held in personal and corporate collections.
Dina Greenberg (email@example.com) is a third-year candidate for the MFA in fiction from UNCW and she holds a Master of Liberal Studies from the University of Pennsylvania.. Currently, she is managing editor for the literary journal Chautauqua. Her interest in the spiritual component of trauma led her to pursue research into post-traumatic (dis)tress among returning combat veterans. She has designed and facilitated narrative workshops for military family and service members as a means of healing the psychic wounds of war. In a recent project entitled StoryForce, Dina led student veterans at Cape Fear Community College in a weekly narrative workshop that culminated in an anthology of creative work and a celebratory reading. Dina has collaborated with psychologist, Larry Winters, on community-based projects that bring awareness to the needs of veterans and civilians as service members return home.
Andrew Hayes (firstname.lastname@example.com) born in Tucson, AZ studied sculpture at Northern Arizona University. He left school to learn more about metal fabrication by working in the industrial welding trade. Eventually Andrew sought to develop his artistic voice and applied to the Core Fellowship at Penland School of crafts. During his time as a Core Fellow, Andrew explored a variety of materials and technique; the book became a big part of this exploration. In the fall of 2014 Andrew retuned to Penland as an artist in residence where he plans to continue working with book forms and fabrication. Hayes exhibits nationally most recently a solo exhibition at Seager Gray Gallery in Mill Valley, CA. His work is included in a number of collections including Yale Art Museum, Black Mountain College, and Wingate University.
Liz Hosier (firstname.lastname@example.com) is an artist specializing in abstract art. She has been painting seriously since retiring from UNC Wilmington in 2008, but began painting more than 40 years ago. Hosier studied studio art and art history at UNCW while working as an IT professional in the Information Technology Division. She began as a landscape painter until a trip to Italy without oils, forcing her to experiment with new materials and techniques. Today, Hosier works primarily with oil and cold wax with mixed media sometimes experimenting with encaustics. Her work reflects a love of nature and travel, and an obsession with colors and light.
Fritzi Huber (email@example.com) has been an active artist and arts educator, conducting workshops in hand papermaking at locations such as Arrowmont School for Arts and Crafts, Savannah College of Art and Design, the San Antonio Center for Arts and Crafts, and Pyramid Atlantic in Baltimore, Maryland. Her work has been exhibited around the world from Switzerland's Musee du Pays et Val de Charney, Gruyere, Suisse to Brazil's Bienale International de Artes. In 2011 Fritzi had a one person exhibition here in Wilmington at the Cameron Art Museum.
Mitzi Ito (firstname.lastname@example.com) has taught all forms of Japanese art, including calligraphy, temari, bonkei, koto, and tea ceremony privately out of her home for over 40 years. Ms. Ito's mother was a teacher of Japanese arts and Ms. Ito has continued the traditions.
Fritz Kapraun (email@example.com) Without conscious effort, I have discovered a fascination with architectural detail as it impacts human culture. Truly, we design and occupy living spaces that become inseparable from our world-view and life style. The relationship between culture and architecture seems especially strong in the Southwest where Spanish, American and Native American experiences have created a style immediately recognizable throughout the world, a style that is so comfortable in its environment that it seems to grow out of the Earth. My interest in classical architecture has taken me to Greece (Santorini) and Spain. Currently, I travel to Italy every summer where I teach art workshops, sponsored by La Romita. In Umbria we utilize the rich local Etruscan, Roman, medieval and renaissance architecture as inspiration for artistic expression.
Tatyana Kulida (firstname.lastname@example.com) is a figurative and portrait artist with a lifelong passion for the arts. She has received her B.A. in Studio Arts in 2003 from the Queens University of Charlotte and her M.A. in Arts Administration from Winthrop University, SC, USA. During and after her studies, Tatyana was drawn to portraiture and figurative work. She turned to the study of drawing and painting in classical tradition in Italy, at the Florence Academy of Art, a world-known school providing professional training for a realist painter where training is rooted in study from nature, understanding the pictorial language of light and form and extensive training of the eye. Tatyana graduated from the Florence Academy of Art in 2013 and completed her 4th (year) prize in 2014. She taught at the Florence Academy for two years before she moved her family to Wellington, New Zealand. She now splits her time between New Zealand and Wilmington, NC where she paints personal and commissioned work as well as teaches drawing and painting. Tatyana owns and runs Anthesis Atelier, her studio gallery in the heart of Wellington where her art can meet the public at monthly openings when she shares her latest work. Tatyana is a prizewinner of the ARC scholarship and the John F. and Ann Lee Stacey Scholarship; recently she received a 2015 Philip De Lazslow Prize for Classical Draftsmanship at the Royal Society of British Artists Exhibition in London, UK. Her work is in private collections in the UK, USA, Europe, New Zealand and in the Contemporary Collection at the New Britain Museum of American Art in New Britain, Connecticut.
September Krueger (firstname.lastname@example.com) is a fiber artist and printmaker originally from Harrisburg, PA. Her early interest in fashion led her to the Textile Design program at Philadelphia University. After completing her undergraduate studies, she worked in a wearable art studio producing a line of women's silkscreened clothing until moving to Wilmington in 2004. She completed her graduate studies at East Carolina University in 2010, earning her MFA in textiles. The following year she joined the faculty at Southeastern Community College as their art instructor. She has offered local workshops in batik, weaving and silk painting through the Cameron Art Museum, Dreams of Wilmington, and Wabi Sabi Studios. As an A+ fellow under the NC Arts Council, she is also involved with arts integration for K-5 schools.
Gabriel Lovejoy (firstname.lastname@example.com) is a native of Wilmington NC. He graduated with a BA in fine art with a studio concentration from UNCW in 1998 and is now enrolled in the MFA painting program at SCAD. Gabriel has been teaching high school art and graphic design classes for the past 10 years while showing and exhibiting his paintings. "I seek to inspire my students by improving their skills while simultaneously discovering meaning in their work and learning more about themselves through the process."
Georgia Mastroieni (email@example.com) began her love of art education as an intern at the Metropolitan Museum of Art. She went on to study studio art and art history at Bard College in upstate New York. Her work has been featured in group exhibitions in upstate, NY, Montreal and Wilmington. Since moving to Wilmington in 2005, she has been an art instructor at SOLA, the Racine Arts Center and Dreams. She began her work at the Cameron Art Museum as the youth educator in 2006 and is now the Director of Youth and Family Education.
Charlotte Oden (firstname.lastname@example.com) is a Freelance Illustrator currently living in Wilmington, North Carolina. She graduated from Savannah College of Art and Design in 2012 with a BFA in Illustration and a minor in Fashion Design. The work that she creates as an illustrator combines a variety of her interests such as vintage fashion, flea market shopping, music and tactile materials. The themes that her works express are inspired by her fascination with antiques, trinkets, lifestyle and her dog. Charlotte's style adapts to many different areas of Illustration such as editorial, fashion, advertising film, life style and textile design.
Loulie Key Scharf (email@example.com) discovered her passion for art 20 years ago, and has been experimenting with mixed media ever since. She owned an art school and has taught in a variety of settings. Loulie is currently painting commissioned portraits and working toward an MFA in Fine Arts from the Academy of Art in San Francisco. A lifelong animal advocate, Loulie uses her art as a way to raise funds and awareness for animal rescue.
Abby Spangel Perry's (email@example.com) art is inspired by our biological world. Through studio practice and conceptual thought, she gives visual form to current ecological issues. Abby holds a BFA and MFA in Painting from East Carolina University.
Henry Steffens (email@example.com) received his PhD degree from Cornell University. He retired Professor Emeritus from the University of Vermont, after teaching cultural history and the history of science for 34 years. He is currently engaged in studying artists within the context of their art, lives, and times
Kirah Van Sickle (firstname.lastname@example.com) is an award-winning artist whose career spans the creative spectrum. Versatile in all media, her work is inspired by nature and a love for travel. Kirah is passionate about the connective power of art. She values and encourages exploration and expression of the individual voice. Kirah's education includes undergraduate study in biology and art, a Masters in Medical Illustration, and an MFA in Painting.
Luc Travers (email@example.com) is the author of Touching The Art: A guide to Enjoying Art at an Art Museum. He received his B.A. in Art History from the University of Memphis. Since 2005, he has taught and created curriculum in art appreciation and literature for students of all levels. Along with teaching in the classroom and online, Luc has shared his passion for art through tours at dozens of museums all over the country.
Melanie Walter (email@example.com) discovered the lost art of pine needle basketry in the early 1990's, when she bought a house that had over 100 long leaf pine trees on its property. With the development of her work, she started the business Pine Garden Baskets. (Pine Garden Baskets.) She won two Regional Artist Grants from the Cumberland County/Fayetteville Arts Council in 2009 and 2011, and was featured in Our State Magazine's October 2009 Issue entitled, "The Beauty of the Pines," by Liz Biro. She also is a recent winner of a Merit Award from the Buyers' Market of American Craft, and a Finalist for the prominent Niche Award in February 2011 and again in 2012. Her work is currently located in 60+ galleries and shops throughout the country. Melanie is a member of the North Carolina Art Council's Teaching Artist Directory, and the South Carolina Arts Commission's Approved Artist Roster for Arts in Education.
Michael Van Hout (email@example.com) is a full time artist who has lived in Wilmington since 1988 following an installation exhibit titled Aquarium at St. John's Museum of Art in 1987. His aquatic creatures can be seen in many public settings including The North Carolina Aquariums at Fort Fisher and Pine Knoll Shores and Schooling fish at three branches of the New Hanover County Public Libraries. He has spent the last twenty years at ACME Art. In the past few years Van Hout's subject matter has expanded to include large scale animals and the human form.
Mark Weber (email@example.com) has been a professional illustrator and fine artist for over 30 years. Weber's work has appeared in Rolling Stone Magazine, The New York Times, and The Wall Street Journal. He has illustrated numerous children's books and creates custom comics from his ACME Arts, downtown Wilmington, NC, studio.
Margie Worthington (firstname.lastname@example.com) grew up in northeastern NC and came to Wilmington in 1984 after completing her MFA in Ceramics at ECU. She served as the first Curator of Education at St. John's Museum of Art and then joined the art faculty at UNCW where she taught courses in design, painting and mixed media for 14 years. "After working abstractly in mixed media collage for many years, I have returned to my first love which was painting in oils in a representational manner." Her works are included in public and private collections including the permanent collection of the Cameron Art Museum.
Sharon Wozniak-Spencer (email@example.com) is a portrait artist and recent graduate (2017) of The Academy of Art University, San Francisco, with an MFA in painting and drawing. Her most recent body of work deals with people in need in the downtown Wilmington area. As a teaching artist, Sharon emphasizes both the fundamentals and classical methods of art while fusing history and modern concepts into her classes.
Tina Abraham studied her teacher training as a Mindfulness Based Stress Reduction (MBSR) teacher at the internationally acclaimed Center for Mindfulness in Medicine, Health Care, and Society, at the University of Massachusetts Medical School, Oasis Institute. She completed professional training with teachings from Dr. Jon Kabat-Zinn and Dr. Saki Santorelli and is trained by Mindful Schools Org. to teach the Mindfulness in Schools Project course for children 7-10 years old and adolescents ages 11-17 years old, considered the gold standard curriculum for young people. Other credentials include a BA in Art and Communication and certified Aromatherapist. She offers a unique holistic perspective for integrative and preventative wellness.
Martha Gregory (email@example.com) was teaching, performing and choreographing ballet and modern dance before she was introduced to the fluidity and gracefulness that is T'ai Chi. For over 30 years, Martha has taught T'ai Chi and Qigong in Wilmington and the surrounding areas to students of various ages and skill levels. She also provides demonstrations for the medical and educational communities.
Liana Belanich (email@example.com) is a graduate of the Wilmington Yoga Center 200hr Kunga Yoga & Lifestyle program. She began her interest in yoga while in college in 2003. She realized it was her favorite way to exercise and on top of that began to enjoy meditation and all the wonderful aspects of yoga. Recently she began to crave more and to wanted share her learning's with others. She wants to be able to help others grow and become their best selves through yoga and meditation. Liana enjoys being outdoors, standup paddle boarding, running, and relaxing on the beach. She also enjoys traveling, reading, and photography. She is an entrepreneur creating her own hot sauce business. Facebook Instagram


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European football is done and dusted. Arsenal and Chelsea won their Europa League matches 4-2 and 1-0 respectively on Thursday night. The focus now shifts to the Premier League. Manchester United is back to winning ways but a confident Wolves side will challenge them at Old Trafford on Saturday. Manchester City and Tottenham will be away against Cardiff and Brighton respectively. Liverpool will try to win their sixth League game at Anfield against Southampton. On Sunday, Arsenal and Chelsea will entertain Everton and West Ham respectively. Today, we want to see which club leads by PFA awards in history.
5. Chelsea/Aston Villa- 3 PFA Awards
3 – N'Golo Kante is only the 3rd @ChelseaFC player to win the PFA Players' Player of the Year award, after John Terry & Eden Hazard. Star. pic.twitter.com/JyjSqL8jre
— OptaJoe (@OptaJoe) April 24, 2017
Chelsea lifted the PFA Player of the year award in 2016/17 season. The winner was French box-to-box midfielder N'Golo Kanté. It was a remarkable season for him because he signed for the Blues after helping Leicester City lift the title in 2015/16 season.
Other winners from Stamford Bridge include Eden Hazard who won it in 2014/15 season and former skipper John Terry who lifted in 2004/05 season. Aston Villa also has three winners who include; Paul McGrath 1992/93, David Platt 1989/90, and Andy Gray who was the first player to lift both senior and junior awards in 1976/77 season.
4. Tottenham Hotspur- 5 PFA Awards
Tottenham Hotspurs most recent winner is no doubt, Gareth Bale. The Welshman won PFA Player of the year as well as Young Player of the year in 2012/2013 season. It was his second award because he had lifted it in 2010/11 season too. Others include David Ginola 1998/99, Clive Allen 1986/87, and Goalkeeper Pat Jennings who lifted the award in 1975/76 season.
3. Arsenal- 5 PFA Awards
#OTD 2004 ⚽ Thierry Henry is voted PFA Players' Player of the Year for the second year running.
Titi,also picks up the PWA 'Footballer of the Year award,making it a personal double. pic.twitter.com/dXLHodATqG
— Bernie Briffa (@goonerbeau) May 10, 2018
Thierry Henry was the first player to lift two PFA awards in two consecutive years. The former Arsenal forward lifted the award in 2002/03 and 2003/04 seasons. Other winners in Gunners history include; Robin Van Persie in 2011/12, Dennis Bergkamp 1997/98, and Liam Brady in 1978/79.
See Also:
NARROW ESCAPE: Six Stars who Cheated Death by a Whisker after…
GAME CHANGER: All-Time Premier League Wins List is Changing Quickly- See…
MONEY BAGS: Six Most Expensive Squads in Premier League by Total…
THURSDAY TING: Top 6 Most Decorated Clubs in Europa League- Can…

subset: commoncrawl


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|JAMES H. WILSON, CPA/PFS, is director of personal financial
planning for Blackburn, Childers & Steagall PLC and BCS
Financial LLC, both in Johnson City, Tennessee. In 1988, he was
the first recipient of the AICPA PFP division's outstanding
service award. His e-mail address is email@example.com.
WILLIAM G. DROMS, CFA, DBA, is Powers Professor of Finance at Georgetown University in Washington, D.C. His e-mail address is firstname.lastname@example.com.
Retirement planning is not as easy as it used to be. Nearly everyone seeks financial independence, but for many reasons, financial and otherwise, this goal is becoming harder to achieve. Asset allocation is a strategic element of investing for a financially secure retirement, and individual investors, with the help of their CPAs, must understand how to allocate assets earmarked for retirement, both in and out of retirement plans.
Asset allocation is the process investors go through of distributing portfolio investments among available asset categories, money market instruments, bonds, stocks, real estate and other assets. Selecting the right asset mix for a diversified portfolio is the single most important determinant of long-term investment performance.
In a widely quoted study, Determinants of Portfolio Performance, in the July-August 1986 issue of the Financial Analysts Journal , Gary Brinson, L. Randolph Hood and Gilbert L. Beebower devised a test to gauge the contributions of three investment management activities, investment policy (asset allocation), market timing and security selection, to performance. They found that investment policy dominated market timing and security selection.
In their analysis of 91 large U.S. pension plans, 94% of plan performance was the result of asset allocation. In short, the impact of capital allocation among asset classes totally overrides what securities an investor owns within each asset class. In a diversified portfolio, for example, deciding which specific stocks to hold will have much less impact on total performance than deciding the percentage of the total portfolio allocated to equity investments relative to other asset classes.
For participants in defined contribution retirement plans such as 401(k) or 403(b), selecting an appropriate asset allocation mix is key to financing a comfortable retirement. The principles discussed in this article apply to all types of retirement plans, including qualified plans, IRAs or even deferred compensation.
Employees traditionally have been on their own when it came to selecting plan investments because some employers were reluctant to provide explicit advice on retirement options. However, in 1996 the Department of Labor issued the DOL Interpretive Bulletin on Participant Education , which made it easier for employers to offer assistance to retirement plan participants. The DOL bulletin tells employers how they can provide investment information to plan participants and beneficiaries without incurring fiduciary responsibility under ERISA for providing investment advice.
The DOL guidelines give employers four safe-harbor activities that fall outside the scope of investment advice. An employer can provide
- Plan information. This includes materials that inform a participant of the benefits of plan participation, investment alternatives under the plan and the benefits of maximizing contributions.
- General financial and investment information. This includes information on general investment concepts such as risk and return analysis, the benefits of diversification and historical rates of return.
- Asset allocation models. These include pie charts, graphs and other depictions of asset allocation models, provided the models are (1) based on generally accepted investment theories, (2) accompanied by all underlying material facts and assumptions, (3) accompanied by a statement of the availability of similar investment alternatives under the plan and where participants can obtain them and (4) accompanied by a statement advising participants to consider their other assets, income and investments as well as investments in other plans.
- Interactive investment materials. They include questionnaires, worksheets, software and other materials that give a participant a means to estimate future retirement income needs and future potential income.
The DOL bulletin says an employer's selection of someone to provide investment education or advice to plan participants is an exercise of discretionary authority or control, and the person making that selection must act in accordance with the ERISA fiduciary standards.
Based on the guidance in the DOL bulletin, CPAs have an excellent opportunity to help employers that want to educate qualified plan participants about their investment options. Many employers find they have trouble convincing employees to participate in the company 401(k) retirement plan. This problem gives CPAs a chance to develop and present education programs for corporate clients and could be an excellent source of new business with new or existing clients. Such programs can include information on investment options, including some of the asset allocation techniques discussed here, and the long-range benefits of participating in the plan. (For practical advice on how to develop such a presentation, see How to Sell' the 401(k) to Employees, JofA, Oct.98.)
The importance of asset allocation goes beyond the traditional view of diversification as a way to avoid putting all your nest eggs in one basket. For CPAs, managing client expectations, making sure the returns clients expect are realistic, also is an important part of the asset allocation process. Strategic planning to determine the appropriate asset mix requires investors to consider three dimensions of investment planning: risk, return and diversification. Risk reduction is a key element. Typical CPA firm clients are both risk-averse and loss-averse. Risk-averse clients require a high expected return in exchange for taking more risk. Loss-averse clients also want to minimize the probability of losing money. An important objective of retirement investment planning, therefore, is to achieve the highest possible return at whatever risk level the client is willing to accept and to diversify broadly across asset classes to minimize the probability of losing money.
In helping a client allocate his or her retirement assets, the CPA's primary task is to know the client. Doing so typically involves several steps, the first of which is to ascertain the client's goals and objectives. There are many ways CPAs can get clients to start thinking about their goals. For a form we have used successfully to spur discussion with clients about their future, see exhibit 1.
Next, the CPA needs to consider what stage of life the client is in. A younger person will likely be willing to assume more risk than someone closer to retirement. However, assessing the client's true risk tolerance can be difficult; clients often have a lower risk tolerance than they are willing to admit.
To measure risk tolerance, we use a questionnaire known as the portfolio allocation scoring system (PASS) one of us developed (see JofA, Apr.87, page 114). An updated version is shown in exhibit 2. Exhibit 3 is a modified version of the scoring system developed for CPAs to help clients begin the asset allocation process for retirement plan contributions.
A client's retirement income needs are an important part of the process, as are his or her available resources. These assets may or may not generate sufficient discretionary income to support the client's proposed investment program. CPAs will find the form reproduced in exhibit 4 useful in calculating the annual savings a client needs to reach a particular retirement income level.
After determining a client's goals and objectives, stage of life, risk tolerance, income needs and available resources, the CPA then can gauge how much risk the client must accept to meet his or her retirement objectives. We call this the speed of money. It is directly related to the client's goals and objectives as well as his or her available resources and the risks to be assumed to reach those goals and objectives.
This concept is perhaps best explained by analogy. If CPA John Roe, with offices in Johnson City, Tennessee, a two-hour drive from Knoxville, allows the necessary two hours to reach an appointment in that city, he can observe the speed limit and avoid the risks of speeding. If, however, he does not allow enough time to reach his destination at the appointed hour, then he has to accept the risks inherent in speeding, including the risk of being involved in an accident. If he does not exceed the speed limit, he will be late for his appointment. The same can be said of investing to reach a goal. If an investor has sufficient resources or discretionary income to reach his or her goals while assuming a minimum amount of risk, then it would be foolhardy to accept more risk to achieve an objective that can be gauged by a conservative approach. However, if the investor's resources are not sufficient or if time is short, it may be necessary for the investor to lower his or her objectives or assume more risk to achieve the established financial goals.
To devise an appropriate asset allocation strategy for a client, a CPA must consider the possible impact of inflation and adjust the allocation accordingly. In times of stable inflation, investment advisers tend to recommend a strategic allocation that is evenly divided among the basic investment groups of cash, stocks and bonds. In times of high inflation, the tendency is to adjust the strategic asset allocation so it is more heavily weighted toward assets that respond favorably in those circumstances, such as real estate and precious metals.
CPAs can better help clients invest their retirement assets by following a five-step asset allocation process to arrive at a specific portfolio.
1 Determine the client's investment objectives by using some of the techniques outlined above. After getting to know more about the client from the data-gathering form in exhibit 1 and the PASS questionnaire, a CPA can make a rough portfolio allocation. While it is not meant as a fail-safe means of solving all of an investor's planning needs, the PASS score does provide the CPA with a useful way to turn investment objectives and personal risk tolerance into an action strategy.
2 Select a strategy for structuring the client's retirement portfolio. The CPA will be faced with two choices: active management, which is based on the idea a manager can add to a portfolio's risk-adjusted return, and passive management, which is based on a strong belief in the efficient-market hypothesis. That hypothesis says the market is so efficient a manager cannot add significant value to a portfolio by successfully anticipating future events. Index funds offer investors a simple and inexpensive way of gaining access to passive management.
3 Decide how funds will be allocated among different styles of investing. Exhibit 5 shows the track record of four different equity investment styles, value, growth, yield and index, from 1982 to 1993. Our analysis of the success of these styles shows that over the 12-year period, each is successful approximately 25% of the time. A conservative approach would be to spread equity investments evenly among the four styles. (This style cycle applies only to equities and not to fixed-income investments.) Six style factors characterize fixed-income investments, short term, intermediate term and long term and high, medium and low quality.
4 Select the asset classes in which the retirement portfolio will be invested. CPAs can help clients divide asset classes between equities and fixed income as follows:
- Equities can be divided by market capitalization, or cap, into large-, mid- and small-cap stocks and then further into international, global, real estate (usually real estate investment trusts) and precious metals.
- Fixed income can be divided into investments such as corporate bonds, municipal bonds (not usually appropriate for tax-qualified plans), U.S. Treasury obligations, certificates of deposit, guaranteed income contracts and money market funds.
5 Develop a specific portfolio. In selecting the specific securities that make up the retirement portfolio, the CPA's goal is to meet the client's investment objectives with a minimum of risk. Inflation, the client's age and resources and risk tolerance are also important in deciding which investments will best help the client reach his or her goals and objectives.
One cost-effective way to allocate retirement assets is to use no-load mutual funds. Many clients already have this option available to them through their company-sponsored 401(k) plans. No-load funds offer investors three major advantages that are difficult to achieve with individual securities.
Mutual funds in general are broadly diversified, giving
investors the opportunity to spread the risk of investing by buying
shares in portfolios that include many different stocks or bonds.
The brokerage commissions paid by mutual fund companies are very
small compared with the rates individuals pay.
- Mutual funds provide professional management at relatively low
cost. The total expense ratios, including management fees, generally
run about 1% to 1.2% of the dollar value of a fund's assets.
- No-load funds do not charge a commission on the amount invested. For investors and CPAs willing to do their own research, no-load mutuals are an extremely low-cost way to construct a diversified investment portfolio.
After the client has implemented the asset allocation recommendations, with no-load funds or with individual securities, the CPA's next job is to monitor the portfolio's performance. Using mutual funds to build a retirement portfolio makes it easy for a CPA to keep an eye on the client's investments. Performance statistics for periods ranging from one month to 3, 5 or 10 years are easily available. Ongoing monitoring will make necessary changes easier to spot. CPAs should not, however, be too quick to judge a fund's performance in a short period of time. It should have four to six quarters of poor performance before you pull the plug.
As the United States stands on the threshold of the 21st century, the classic population paradigm of an equilateral triangle, with a smaller, older population at the top and the younger population on the bottom, has given way to a rectangle, with as many older people at the top as there are young people at the bottom. This shift in population is placing many strains on the retirement system. Companies are feeling the pinch of offering employees lucrative retirement benefits, and how far into the next century the Social Security system will survive is still an open question. So it has become increasingly important for individuals, with the advice of their CPAs, to provide their own retirement funds to ensure financial independence. Asset allocation is one important aspect of how an individual can begin to prepare for his or her financial independence day.


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THATCamp Bay Area Google Group
October 29th, 2010
THATCamp Bay Area now has a Google Group!
Please feel free to sign up and spread the word to anyone you think would be interested in future THATCamp Bay Area meetups, unconferences, news, discussion or other events related to the humanities and technology in the area. The list will be open to the public, and the group application just has a simple question to filter out spammers. Just click the link below to go to the group page.
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text: Mexican peace educator and activist Pietro Ameglio was awarded the 2014 El-Hibri Peace Education Prize on October 15, 2014. This is his acceptance speech. Pietro is recognized for his courageous and relentless dedication to the spirit and principles of nonviolence, non-militarism and social justice and for his empowerment of countless victims and survivors of violence. To learn more, see http://www.elhibrifoundation.org/peace_education/prize.


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● Measure markings up to 300ml and 900ml with mug mark for easy brewing
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- Removed Tweens
- Upgraded the collision handling. Scripts can now be called when an object comes into contact with another, maintains contact, or loses contact. This should make some things faster and easier than they were before.
- Rewrote the code for creating PhysicsComponents. It's far more intuitive to create them in scripts now. Also, you now select the shape on creation. Currently the only shapes are Box, Sphere, and Capsule. However, I'll be adding support for custom models shortly.
- Started working on raycast functions. Eventually, this will let you check if the mouse is over a particular object, which will be great for FPS games.
- Moved the model drawing code to its own place(again). The custom drawing functions are back, but now they can draw anything.
- PhysicsComponents now share their angular factor with scripts. In layman's terms, it means that you can now control how objects rotate on each axis.
- Transoformation data is now stored inside the Entity class, not the PhysicsComponent. This means that you can put a GraphicsComponent onto an entity without forcing it to have physics as well. You can also now access rotations as either quaternions or Euler angles, depending on your preferences.
I always love a hefty changelog. The game jam did a lot of good, and it inspired me to work on DFEngine quite a bit. Unfortunately, I had quite a bit of homework, and didn't manage to finish the game I was making, but at least I was still very productive! There are only two downsides to this slew of updates: First, Tweens were removed. It needed to happen soon, since they were always causing tons of issues, but I don't yet have a suitable replacement. That's probably the next thing that I need to do, before anything else. The other downside is that the new PhysicsComponent creation code doesn't let you do as much as the old one. To be fair, I mostly removed the features that won't often get used, and it makes things much simpler. However, I still need to make sure that these features can still be used somewhere. I haven't checked yet, since the change was so recent, but it shouldn't be hard to replace anything that I've removed. Once I have both of those issues cleared up, I'll probably start working on a basic editor. It's one of the things that I've been missing for a while when using this engine, and I think it'll help me get interested in making games again.


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Arisaema griffithii var. pradhanii (Jack-in-the-Pulpit)
Arisaema griffithii var. paradhanii (Jack-in-the-Pulpit)
Family: Araceae
Zone: 6 - 9
Natural Range: Bhutan. India
Soil: Moist, humus rich, Well drained
Light: Part shade, Sun
Bloom Time: May to June
Pest Resistance: Deer, Rabbit
Attributes: Deciduous, 1'-2' tall. Spathe is dark brown - carmine and purple, with white - greenish yellow, striping, resembling snake skin. Long brown whip like spadex. Bloom time is around April - May. Large, glossy trifoliate leaves with thick veining. These go dormant quickly after blooming.
Notes: Arisaema griffithii var. pradhanii is an unusual species growing in Rhododendron forests, and alpine meadows at about 9,000 ft elevation. Tubers ordered now will be shipped while dormant October, November and February through March.


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Apply for an Aura Cacia Positive Change Project Grant
Aura Cacia sales fund the Aura Cacia Positive Change Project, which supports organizations and projects that help women better their lives.
For example, our first donation went to Thistle Farms Young Survivors program helping young women who have suffered from abuse, drugs and prostitution.
Our goal with Positive Change Project grants is to support organizations that partner with women and girls who are actively working to positively transform their lives and projects that focus on equipping women and girls with the resources to further their commitment to live more purposeful lives.
Grants will support organizations and programs that:
- provide resources and services directly to women and girls who face substantial barriers to sustaining their commitment to positive change
- help disadvantaged women and girls become more stable and self-sufficient
- reinforce the commitment of women and girls to live healthfully and purposefully
- promote positive self-image, self-respect and self-confidence in women and girls
For details, download the Positive Change Project Grant Guidelines.
We will be accepting applications from July 1, 2020 – Sept. 30, 2020. Organizations can apply here.
If you have questions, please email us at [email protected].


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Sheep in paradise, from Art in the Christian Tradition, a project of the Vanderbilt Divinity Library, Nashville, Tenn. Original source.
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Eighth Sunday after Pentecost
Mark 6:30-34, 53-56 Commentary
by Elizabeth Webb
A lot happens in the sixth chapter of the Gospel of Mark. Jesus is rejected in his hometown.
| Bible Text
Jeremiah 23:1-6 Commentary
by Tyler Mayfield
Just as sheep need a shepherd to guide and protect them, the people of Israel need responsible leaders to provide for them. Wise leadership matters.
2 Samuel 7:1-14a Commentary
by Ralph W. Klein
It would be difficult to overestimate the importance of this passage for both Jews and Christians.
Psalm 23 Commentary
by James K. Mead
Well, here you are, wondering whether to take the leap of faith and make Psalm 23 the text for -- or at least an important element of -- proclamation for the 8th Sunday after Pentecost.
Ephesians 2:11-22 Commentary
by Kyle Fever
Circumcision, uncircumcision, and blood. These words all seem very abstract and not part of our cultural fabric.
The Dew of Compassion
by Karoline Lewis
July 19, 2015
Hospitality. Power. Now compassion. Chapter 6 of the Gospel of Mark manages to cover some rather significant features of what it means to be a follower of Jesus -- and yes, I know ...
SB427 - Eighth Sunday after Pentecost (Ordinary 16)
Discussion on texts for Eighth Sunday after Pentecost (Ordinary 16; July 19, 2015): (Gospel) Mark 6:30-34, 53-56; (First Reading) Jeremiah 23:1-6; (Semicontinuous First Reading) 2 Samuel 7:1-14a; Psalm 23; (Second Reading) Ephesians 2:11-22.


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used: Ch = chain; DC = double crochet; st = stitch
Copyright Beverly A. Qualheim 2005, 2012
Size H hook
2 oz - 4 Ply worsted weight yarn (acrylics wash up well and seem to last.)
Ch 65.
ROW 1: Dc in 3rd ch from the hook and in each ch across. Ch 3. Turn.
ROWS 2-32 (or until hat measures approx. 12" in height): Dc in 2nd st in from edge chain, and then across to end of row. Ch 3. Turn. Row 33: Dc as in previous rows, to end of row. Don't ch 3, just cut yarn enough to sew side seam and end off by pulling yarn through last stitch.
Sew sides together using a whip stitch. For top - make a running stitch in and out of the sts of the last row of dc, and pull tightly to gather the top.
Add a colorful pompom to the top to keep the top tightly shut. I run pompom tail threads under a couple of stitches and tie tightly to secure. If you don't want a pompom, you can just flip hat inside out and sew the top closed nicely. Flip back to the right side, roll up a nice big, warm brim, and wear!
This looks really bright and pretty if you use different colors every few rows to create colored stripes.
Beverly A.
Qualheim 2005, 2010
Ch = chain; HDC = half double crochet; st = stitch; BLO=Back loop only
Size H Hook
3 oz of 4 ply worsted weight yarn or washable wool
Ch 35 for pre-teens, 42 for women and teens, 48 for men
ROW 1: hdc in 2nd ch from hook and in each ch across. Ch 2 and turn
ROW 2: hdc in BLO of 2nd stitch from hook and in each st across. Ch 2 and turn
(Keep crocheting in back loops only throughout pattern.)
ROW 3 continue in pattern, until hat fits around head, (30 rows for kids; 32 for teens, 34 for women; 36 for men~ approximately!) adding new colors wherever you please. You can even add them in the middle of a row for a neat variety.
When hat is wide enough,
stitch the sides together, then weave around the top of hat and pull
to form top.


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H-Guard Plastic Protector To Change Food Packaging Forever?
Busy modern life necessitates practicality, and for people constantly on the move nothing is more practical than making a quick sandwich and wrapping it in plastic before bolting out the door. But stop for one second and think about two things: 1) Can you really go the entire day without your shoes? And 2) Could that plastic packaging be transmitting harmful substances to your food?
Whilst many would choose to address the first question and simply run back to their wardrobe, it is the second question which Crown Funding, and rightly so, deem to be far more important, even if the shoes in question are Gucci and were a snip in the christmas sale. Indeed, Crown Funding have made it their mission to address this very real issue through their intriguing invention - the H-Guard.
The H-Guard is an innovative new product which seeks to remove harmful substances from plastic packaging. Although still in the project phase, this new food invention has been praised by many, not only for its aim, but for the environmentally friendly way in which it seeks to achieve this aim. Whilst recent times have seen a great deal of progress when it comes to harmful substances such as BPA - a harmful substance found in plastic - there remain many forms of plastic packaging which could contain harmful elements, and that is where the H-Guard comes in.
And so to the 'how' bit. The key component of the H-Guard - invented by a Chemical Engineer - is a compound of organic substances which would be added to plastic packaging during the prodution process, trapping the harmful substances contained within the packaging. In addition to the organic substances used in this product, it also has a second environmental benefit. Indeed, due to the very aim of the product, namely to prevent the plastic's harmful substances from leaking out, any potentially environment damaging materials are kept within the plastic and do no leak out once the packaging is disposed of.
One cannot help but feel that the hidden yet potentially very real dangers of the plastic in which we wrap our food could become far more real in the next few years. Indeed, BPA, once nothing but the tiniest of blips on the 'potentially dangerous substances' radar, is now known to pose very real health risks. Lessons must be learned I hear you say? Indeed!
Source: Crowdfund


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Most Recent
Healing Music for Turbulent Times
Two musicians find friendship during quarantine.
The energy in the fight for a higher minimum wage in New York hasn't died down yet.
Last week, more than 1,000 low-wage workers from around the five boroughs went on a "Faith and Justice" walk to Riverside Church with interfaith clergy members, labor officials and elected officials.
"New York ranks No. 1 in income inequality in the U.S. No one who works 40 hours a week at minimum wage can afford basic living costs," said the Rev. James A. Forbes Jr., senior minister emeritus of Riverside Church, in a statement. "In a speech to striking sanitation workers in Memphis before he was assassinated in 1968, Dr. Martin Luther King Jr. said, 'It is criminal to have people working on a full-time basis … getting part-time income.' It was criminal then, and it is still criminal today!"
New York City Mayor Bill de Blasio has been a staunch advocate of raising the minimum wage and wants Albany to grant him the power to do so. City Council Speaker Melissa Mark-Viverito showed support for the walk on behalf of de Blasio and herself.
"Working together with faith leaders in our communities, we're sending a clear message that it's time for New York City to set an appropriate local minimum wage," said Mark-Viverito in a statement. "We can no longer allow so many of our workers to struggle on an unfairly low wage that does not reflect the cost of living in this city."
Advocates say that New York having the worst income inequality in the country is due to its minimum wage being too low. They're looking for legislation that would let cities and counties across the state supplement the state minimum wage by raising their local minimum wage.
Michael Carey, a security officer at John F. Kennedy International Airport, attributes the growing effort to increase the minimum wage to the humble beginnings of grassroots workers.
"We've fought long and hard for dignity and respect in the workplace," said Carey in a statement. "Some of the progress we are now seeing can be attributed to the help we've received from the civil rights and faith communities."
Amador Rivas, a member of Make the Road New York, said: "I came to this country hoping for a better future, but I have experienced the exact opposite. I started working for a bodega owner in Washington Heights for $5 an hour. Ten years later, I was only earning $7.25 an hour, which is not nearly enough to survive in this city. New York City must be able to raise its own minimum wage."


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Six channel professional Bluetooth audio mixer
The RM169 is a six channel Professional audio mixer with Bluetooth input. Two microphone inputs, and four stereo line RCA inputs, the RM169 is ideal for any installation where space is a consideration, without compromising audio quality. The Bluetooth input has extended range and exceptional audio quality. RCA and XLR balanced outputs jacks make the RM169 perfect for any application.


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Newcastle United Fans Don't Care Where Investment Comes From, and Why Should They?
Saudi Arabia's sovereign wealth fund is planning a $440 million takeover of English Premier League club Newcastle United. Amnesty International has described the move as "sportswashing." In a recent poll, 80 percent of Newcastle fans don't care about the Saudi's track record of human rights violations. It seems Newcastle United fans may finally get their […]Continue Reading


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February 6, 2018
On March 1, 2017, the New York State Department of Financial Services' ("DFS") first-in-nation Cybersecurity Regulations, designed to protect consumers and financial institutions from cyber-attacks, went into effect (the "Regulations"). See, 23 NYCRR Part 500. The "first-in-nation" nature of the Regulations is extremely important to note: the Regulations apply not only to what is referred to in the Regulations as a "Covered Entity" based in New York, but also those that merely do business in New York. The Regulations also do not just cover financial institutions, but any business entity that is covered by the banking law, insurance law, or financial services laws. As such, the impact of the Regulation is wide-sweeping. On August 22, 2017 we published an alert relating to the Regulations; this alert is a follow-up highlighting the next round of disclosures required under the Regulations. A brief overview of who is covered, key dates, and the areas with which compliance must be met is below.
Who is a Covered Entity:
With the exception of an "Exempted Entity" (see below), the Regulations apply to any entity or organization "operating under or required to operate under a license, registration, charter, certificate, permit, accreditation or similar authorization" pursuant to New York banking law, insurance law, or financial services laws. This may include New York-licensed lenders, mortgage banks, life insurance companies, savings and loans, charitable foundations and other financial services firms, among others. If your business transacts business in the State of New York, it is important to verify whether your business qualifies as a Covered Entity.
Who is an Exempt Entity:
Not all Covered Entities are required to comply with the Regulations in their entirety. Those with less than 10 employees or independent contractors, less than $5 million in gross annual revenue in each of the last three fiscal years, or less than $10 million in year-end total assets are exempt and do not need to comply with sections 500.04, 500.05, 500.06, 500.08, 500.10, 500.12, 500.14, 500.15 and 500.16. These Regulations also do not apply to national banks, federal savings banks, and federally-chartered branches of non-U.S. banks (because these entities are regulated by federal law, not New York State law), but will apply to New York chartered or licensed lenders and New York branches of foreign banks. It should be noted that a parent, affiliate or subsidiary of an Exempt Entity that does not have its own basis for an exemption cannot rely on the fact that its parent, affiliate or subsidiary is an Exempt Entity. Therefore, Regulations may still indirectly impact national banks, federal savings banks, and federally-chartered branches of non-U.S. banks. Additional exemptions may also apply under section 500.19. Even exempt entities should be cognizant of the Regulations and requirements thereunder as a standard for protecting third-party information.
Key Dates:
Although the Regulations were effective March 1, 2017, there are several key dates that all Covered Entities should be aware of regarding compliance: Those dates, and the relevance of those dates, are as follows:
What is Required by February 15, 2018:
On or before February 15 of each year, a Covered Entity must submit a certification of compliance ("Certification") to the DFS. A Certification is a written statement covering the prior calendar year certifying that the Covered Entity is in compliance with the requirements provided for in the Regulations (see example below). Any records, schedules and data supporting the Certification must be maintained by the Covered Entity for a period of five years. In the event that the Certification identifies issues where improvement, updating, or redesign is necessary, then the Covered Entity must document the identification and the remedial efforts that have been planned and/or are underway to address those issues, which documentation must be made available for inspection by the Superintendent. You may download a form Certification provided by the DFS.
The requirements under the Regulations are as follows:
What is NOT Required by February 15, 2018:
Although as a general matter, Covered Entities had 180 days from the effective date of the Regulations (until August 28, 2017) to be in compliance, an additional transitional period is permitted from the following sections:
The foregoing is only an overview of the Regulations, which are much more robust and detailed in regards to what must be completed by a Covered Entity to be in compliance, and does not necessarily include each specific item. If you have any questions or concerns based on the above and/or would like to discuss what must be done in order to be in compliance under the Regulations, please contact us at (860) 251-5000.
For additional information, here is a link to DFS Superintendent Vullo's January 22, 2018 reminder.


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Re: George H. Acree- TN, MO to OK
In reply to:
George H. Acree- TN, MO to OK
George Henley Acree died 23 May 1909.He is buried at the Choska Cemeter in Wagoner County, Oklahoma.Almira Elizabeth "Mary" Brower died 31 Dec 1924.She is buried at the Haskell Cemetery in Muskogee County, Oklahoma.
George Wesley Acree born in 1879 was my grandfather.
This line of Acree's can be traced all the way back to John "Cashie" Acree in the early 1700s in Bertie County, NC.


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WASHINGTON (PRESS RELEASE – April 8, 2009) – Top entrepreneurs from each state will soon head to the nation's capital to compete for the honor of National Small Business Person of the Year during the U.S. Small Business Administration's National Small Business Week celebration, May 17-23, 2009.
This year, Small Business Week will be a three-day event in Washington, D.C., taking place at the Mandarin Oriental Hotel. Events can be viewed virtually through SBA's free, live webcasting, which will be accessible at
The National Small Business Person of the Year and runners-up will be selected from among the 53 state small business winners, including the District of Columbia, Puerto Rico and Guam. More than 100 outstanding small business owners will be honored, reflecting a broad range of business products,
services and innovations offered by our nation's entrepreneurs. They include a bed and breakfast owner, Web site developer, printer, brewer, and mobility aid maker.
These small business owners will be recognized during five major award events that will focus on the achievements of America's top entrepreneurs. Besides the State Small Business Persons of the Year, men and women involved in disaster recovery, government contracting, small business champions as well
as SBA partners in financial and entrepreneurial development will be honored.
The 2009 National Small Business Week award events will include the following individuals and groups:
• The National Small Business Person of the Year, selected from the 53 State Small Business Persons of the Year.
• The Champion Awards, recognizing both individuals and organizations for their achievements on behalf of small business, including minority, women and veteran-owned small businesses.
• The Phoenix Awards, recognizing a public official, two business owners and a volunteer whose efforts have helped their businesses or communities recover successfully from a disaster.
• The Lender of the Year, honoring financial institutions, including those that provide financing for small business exporters and inner city businesses.
• The Entrepreneurial Development Awards honoring Small Business Development Centers, Women's Business Centers and the National SCORE Chapter of the Year for their innovation and excellence in assistance to entrepreneurs and small businesses.
• The Dwight D. Eisenhower Award for Excellence, recognizing large prime contractors who have excelled in their utilization of small businesses as suppliers and subcontractors.
• The Gold Star Award, recognizing exemplary performance of federal staff who manage the aggressive goals and strategic initiatives that help ensure a role for small business in the federal marketplace.
• The Frances Perkins Vanguard Award, honoring government and industry for excellence in the use of women-owned small businesses as prime contractors and subcontractors.
• The Small Business Prime Contractor and Small Business Subcontractor of the Year, honoring small businesses that have provided government and industry with outstanding goods and services as prime or sub contractors.
Small Business Week will feature a series of forums on Energy (Going Green), Business Financing and Social Media, designed to help entrepreneurs with current, real-world issues that impact their business. In addition, there will be a town hall forum to discuss small business concerns. Small businesses nationwide will be able to view the forums and town hall via live webcast online. Also, the Small Business Week Cyber Café, sponsored by Trend Micro, will provide free Wi-Fi to all attendees.
Additional information on National Small Business Week, including a detailed schedule and registration information, is online at www.NationalSmallBusinessWeek.com. Media outlets are encouraged to cover
National Small Business Week events, and can also register online.


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Not much was known about Herve Renard until he led little fancied Zambia to the 2012 Africa Cup of Nations victory in Libreville, Gabon. The French-born coach spoke with Kunle Adewole on Chipolopolo's chances at South Africa 2013 and other issues…
Gabon is one city an average Zambian football fan cannot forget in a hurry. It was here that the East African country lost a generation of players in an air disaster on April 27, 1993.
The Zambian Air Force plane conveying them ditched into the Atlantic Ocean about 500 metres offshore from Libreville killing all 25 passengers and five crew members on their way to Dakar, Senegal for a FIFA World Cup qualifier game against the Taranga Lions.
However, 19 years later, Renard brought succour to the faces of Zambian fans by leading little fancied Chipolopolo side to win the 2012 Nations Cup, ironically, in Libreville.
"We wanted absolutely to come back to Gabon 19 years after the tragedy. The best thing to honour their memories is to win the final and to make all the country happy. There is not one game in Zambia without talk of the memory of the team of 1993. I heard it was maybe the best team Zambia ever had," he said.
Asked if he is under pressure ahead of the 2013 Nations Cup in South Africa, Renard admitted that there was always pressure when a coach leads a team to a competition, especially a competition like the Nations Cup.
"There is always the pressure to get the desired result but I think all the coaches coming to the tournament will be under pressure to perform. At the 2010 edition, the semifinal was our target but unfortunately we lost narrowly in the quarterfinals to Nigeria on penalty shootout.
"In 2012, our wish was to qualify for the final so as to visit the graveyard site of the players of those that lost their lives in a plane crash in 1993 and in South Africa we also hope to do well. We believe in ourselves and our strength lies in the team spirit," he said.
While most African countries rely mostly on the ability of their players abroad in most competitions, Renard's machinery are a bunch of mostly home-based players. On how he was able to inspire this bunch of players to victory in Gabon, he said: "A lot of credit must go to the Football Federation President, Kalusha Bualya, who believed in me and allowed me full control of the team.
"Also, I have good and able assistants that are very cooperative and my players have been together and are very united. Even if you parade the best players in a team and there is no unity there is little you can achieve. There is a great team spirit among my players and they are always ready to play for each other."
Before the final against Cote d'Ivoire do you ever think your team can come out victorious considering the fact that the Elephants have a lot of big names in their team? Kunle Adewole asked.
"We have a lot of respect for countries like Ghana, Nigeria and Cote d'Ivoire because a lot of their players play in big European countries and we are proud of them for representing Africa very well but when we play these countries it is a different ball game. We are always motivated to play them without any fear.
"Our players also boast of abundant skill, but team spirit is our greatest motivation with which we make the difference. Zambia was not expected to beat mighty Côte d'Ivoire in the final, but after surprising Ghana in the semi finals we were inspired to another upset by strong emotional ties to Libreville.
"We were not the favourites but it was very difficult to beat us. We knew we were playing against a very good team, a strong team, but sometimes football is psychology, the mental state, and our mental state is very high," the French man noted.
On how much they were motivated with their visit to the burial place of their dead heroes that lost their live in plane crash? Adewole asked.
"The visit was with mixed feelings. It was both inspiring and emotional. However, it was our target when we were preparing for the tournament to get to play in Libreville and the only way to get there was to qualify for the final. Before the Africa Cup, we were in camp in Johannesburg talking about the only possibility to go back to Gabon was the final. We have a focus to play in Libreville and it was not shaken and we will live to cherish the moment. It was a fantastic Nations Cup for us."
Zambia will be campaigning in Group C, comprising Ethiopia, Bukina Faso and Nigeria, which narrowly defeated the Chipolopolo in the 2010 edition in Angola and also won in a friendly game between the two countries weeks before the last edition's finals.
On how well prepared is Renard and his side to ward off Nigeria's opposition. "No doubt Nigeria is the best team in the group, though they failed to qualify for the 2012 edition but since Stephen Keshi took over the team, it has improved a lot. He has been able to blend the home-based players with their foreign counterpart and we know they can make the difference in any competition. Players like Victor Moses is doing very well with Chelsea, so we are aware Nigeria will always be difficult but we are not in any way afraid of the Super Eagles."
Continuing he said: "It will be a tough group with Nigeria as favourite but we can still emerge top of the group. In 2010, we were in the same group with Nigeria and we still came out tops. We can achieve still the same feat, even though it will be tough. In 2012, Senegal was the favourite in our group but we came out tops. However, our target is to qualify out of the group."
In spite of the array of stars in African football, Renard rates Ghanaian Michael Essien as his best African player.
"I like his team spirit and attitude. He is very professional and he is a fantastic player. And there other African players that can also make the difference like Yaya Youre and Didier Drogba. There is also Victor Moses, Mikel Obi and Dickson Etuhu, who are very good."
At the mention of names like Nwankwo Kanu and Austin Okocha by this reporter, Renard said: "These are the greatest and the greatest and the greatest of them all (laughter). I was small when they were playing. But I think Obi Mikel had a fantastic season in 2012, and even went on to win the Champions League. I like his job in front of the defence. So I think the Super Eagles have a strong team and Nigerians should have nothing to fear about."
Renard was recently named sixth best French coach of 2012 by popular France magazine 'France Football'.
Fresh from picking up the Confederation for African Football Coach-of-the-Year award after successfully leading Zambia to winning its Africa Cup title, Renard has continued getting recognition everywhere.
His latest recognition follows another one made by the World Soccer magazine which rated him as the sixth best coach in the world.
He however said what mattered more to him was Zambia being voted the team of the year and not his personal glorification.
"It's not important what I win, what is important is what Zambia wins. Zambia was voted team of the year in 2012 and that is what is important."


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At face value, it doesn't make much sense. But hear us out. If owning a home has always been on your grown-up bucket list — a rite of passage right up there with getting your dream job and starting a family — you may be less than happy to find out that many homeowners are paying more than renters each month.
How much will it really cost you to rent versus buy? Use our handy calculator to find out.
The big draw of renting: It's cheaper
In all 50 states, it's more expensive to own a home than it is to rent, according to NerdWallet's assessment of the 2015 American Community Survey data from the U.S. Census Bureau. Even in the state where the cost of owning a home is the lowest, Florida, it's still about 33 percent more expensive to own than rent. In a state like New Jersey, the median monthly cost of ownership is 93 percent higher than renting.
"Renting a house, condo, or apartment means that you have a shorter commitment – a one year lease is common. Your financial outlay is fairly capped, allowing you to budget for rent and utilities, if any, and calling for a small investment of first and last month's rent," says Scott Cummins, Senior Loan Officer at Cornerstone Home Lending, Inc., NMLS #208602.
Let's take the first step together. Get prequalified for a mortgage online.
One big benefit of renting, Cummins says, is that there is no ownership interest held.
You are not responsible for repairs or maintenance. If treated like a short-term option, a rental can allow you to get to know the area and decide if the area is conducive to where you want to live. "If the traffic is unbearable, or the neighbors not so nice, you can leave at the end of your lease and sample a different area. This freedom makes sense for people who are new to a city, recent graduates who may get job opportunities elsewhere, or those who simply do not want to commit," Cummins explains.
Many renters also love the fact that in an apartment or condo setting, you're often rewarded with other amenities such as workout facilities or pools. These are features you may not get with a similarly priced home.
The big draw of homeownership: It makes money
There's a time and place when it makes a whole lot more sense to rent. But in general, when talking about housing, most financial folks recommend buying when you can afford it. David Bakke, personal finance expert at Money Crashers, says, "It's usually best to buy if you can afford to since it's actually an investment rather than just a purchase." Bakke qualifies that there are times when renting may be better in the interim, depending upon personal factors.
"Owning a home is, conversely, a longer commitment," Cummins says.
"The average homeowner tends to look at a purchase in the scheme of a 3 to 5-year setting. This often mirrors job expectations and schooling for children. Because a mortgage is not a question of cashflow, the payment is often the same, if not lower, than a comparable rental unit."
Here's where the monetary investment comes in. Cummins reminds us that a purchase still does require some form of cash infusion — in a down payment, closing costs, or both. And, compared to renting, credit profiles may be more stringent when getting a mortgage. Homeowners will also be responsible for repairs and maintenance.
"Don't cringe though!" Cummins says. "There are often warranty options to help defray large ticket repairs. Homeownership has its rewards too. Barring a severe downturn and repeat of the housing crisis, real estate can be a sound financial investment. Unlike renting, a portion of your payment goes toward reducing the loan principal each month. This acts as a steady drip that increases your equity in the home."
Even considering the higher cost of homeownership mentioned above, many homeowners are perfectly content to pay more for their housing because of these added benefits.
The current tax code also allows homeowners to write off property taxes and interest on a tax return, possibly reducing their tax bill.
In a study conducted during the Great Recession and published in 2013, researchers from Brown School's Center for Social Development (CSD) at Washington University, St. Louis, proved that the right mortgage could help the average homeowner to build wealth. Low to moderate-income homeowners who participated in the study from 2005 to 2008 came away with a higher net worth than the study participants who rented. In the comparison between the two groups, homeowners saw greater short-term increases in net worth, assets, and non-housing net worth. The study authors took care to point out that responsibly written mortgages — characterized by low upfront costs and low interest rates — are the key to financial security and independence.
A mortgage is a monthly investment, but your payments will add up over time. These payments can then be returned to you when you sell your house. Real estate appreciation, Cummins says, is often the single largest contributor to a family's long-term wealth.
Buying a house feels easy when you work with a lender you can trust.
Better to rent or buy? How to know when the time is right
If you're stuck at a fork in the road, it may help to remember that buying a house isn't for everyone. "Try blurring the lines between a short-term commitment and the purchase of a home as made easy by HGTV," Cummins says. "And you run the risk of losing your money and your sanity!"
Cummins provides a few telltale signs that renting may be the best move for you. If you:
- Are new to town.
- Just got a new job with realistic possibilities of movement or relocation.
- Don't want a long commitment.
- Enjoy the perks of a community pool, onsite gym, and other amenities.
You may be ready to buy, Cummins says, if one or more of these criteria fit. If you:
- Know where you want to live.
- Feel confident in your job location.
- Don't mind a longer commitment for a longer reward.
- Can drive to a local pool or gym.
- Want to build wealth over time.
- Would like a tax deduction.
- Don't want to get your landlord's permission for housing changes or upgrades.
To answer the burning question of "when to buy," Desare Kohn-Laski, real estate broker and owner of Skye Louis Realty, recommends looking at your financials for guidance. "See if you will be able to afford a down payment and mortgage. Always make sure your monthly income is three times more than your mortgage payment." When and if those guideposts are met, it could be your season. Kohn-Laski also urges prospective homebuyers to take into consideration interest rates and inventory. And above all, make sure you have an experienced realtor and lender to help.
When you're ready to make the leap from renter to homeowner, we're here to make it easy. Start by contacting one of our loan officers. A Cornerstone team member can help you get prequalified for a mortgage to find out how much house you can afford. Nothing beats working with a lender that cares about getting you into your house as much as you do.
For educational purposes only. Please contact your qualified professional for specific guidance.
Sources are deemed reliable but not guaranteed.


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Who is he?
A fiftysomething American-born actor of Armenian descent, Davitian has appeared in small roles in such fine television fare as Six Feet Under, The Shield and ER.
Any movies?
Yes, how could you forget Frogtown 2?
He doesn't look like a movie star - are you sure he's an actor?
Any town that regarded his type as their prettiest son should just pack up and attempt to join better-looking towns. People with Ken's looks tend not to go to Hollywood in search of stardom. They really should: they stand more chance of getting regular work than 99% of all the bland blondes who arrive by the busload.
How come?
Regardless of acting talent, Davitian's continued employment can be attributed to two physical characteristics: he's fat and, by American movie standards, foreign-looking. Thankfully for him, tinseltown's worldview means anyone not meeting its rigid standards of physical perfection can easily fill the role of "foreigner".
By foreigner, you mean ... ?
Doesn't matter - they're all the same, apparently. Ken has played a Luciano, a Jorge, a Krikor, a Ramon, an Igor and even a Jesus.
You say he's overweight, too.
Has this held him back?
Nope, that's an asset, too: his earliest roles include Fat Man in Maximum Force and Fat Bartender in American Raspberry. But he did appear as plain old Bartender a few years later in Private Wars, suggesting a very literal lean period in his career.
Where can I see him now?
You can see more of him than is decent in Borat: Cultural Learnings of America for Make Benefit Glorious Nation of Kazakhstan, in which he plays "operator of camera instrument" Azamat Bagatov, Borat's companion. We may never know how Sacha Baron Cohen persuaded him to be involved in the film's notorious hotel room scene - a sequence that starts in a bathtub then spirals so far out of control that a nude Baron Cohen and Davitian were almost arrested.
Ken Davitian could well be the bravest actor you've never heard of. For that alone he deserves your attention.


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« Response: Seven Strategies For Working With Student Teachers | Main | Response: Engaging With Class & Race In The Classroom »
How Can Teachers Deal With Class & Race in the Classroom?
The new "question-of-the-week" is:
What are constructive ways teachers can deal with issues of race and class in the classroom?
Please share your thoughts in the comments or, if you prefer, feel free to email them to me.
You can also send questions to me at [email protected].When you send one in, let me know if I can use your real name if it's selected or if you'd prefer remaining anonymous and have a pseudonym in mind.
Another option is contacting me on Twitter at @Larryferlazzo.
Anyone whose question is selected for this weekly column can choose one free book from a variety of education publishers.
Just a reminder -- you can subscribe and receive updates from this blog via email or RSS Reader..
And,if you missed any of the highlights from the first three years of this blog, you can find a categorized list of posts here, along with an "all-time" list of the ones that have been most popular. This year's posts aren't there, but you can find them by clicking on the archives found on the sidebar.
Education Week has published a collection of posts from this blog -- along with new material -- in an ebook form. It's titled Classroom Management Q&As: Expert Strategies for Teaching.
Last, but not least, I record a weekly eight-minute BAM! Radio podcast with educators who provide guest responses to questions. You can listen and/or download them here.


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Remain effortlessly chic on cooler days with the trusty cotton-blend Jenna Knit Jumper. It is knitted from medium-weight cotton and features a raised neck and silver-tone zips at the cuff for a modern finish.
Our model is 5ft 9" and is wearing a UK size S.
Style code
UK Standard Delivery: Delivered in 3-5 working days
- £3.95 (no matter how many parcels we send.)
UK Next Day Delivery: Order by 2pm for next working
day delivery - £7 per order.
Click here for International Delivery rates + more info.
Click here for information on Returns.
Click here for right to cancel.
Allowed payment methods
Contact us
For customer queries call customer services on 0333 400 7227 if calling from within the UK, and +44 1792 784
150 if calling
from overseas.


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While winding along the Susquehanna River on Route 322 (from Harrisburg to State College) I had to do a double take.
There, in a stretch of river called the Dauphin Narrows, stands a brilliant white replica of the Statue of Liberty which is anchored to an large stone basin, once used to steady a railroad bridge.
From my vantage point, Lady Liberty looks like someone canoed to the middle of the river, took out their LEGOs and built a miniature version of the iconic statue. Actually, she's 25 feet tall and quite solid as she is anchored to the platform with cables.
According to Weird Pennsylvania, this is the second replica of the Statue of Liberty to stand here. The first showed up in 1980 to commemorate the centennial of the real one standing between New Jersey and New York in the Hudson Bay. Of course, by the time the 90's came around, the elements caused PA's Statue of Liberty to wash away leaving a gap in the hearts the locals.
So, Dauphin Borough raised $25,000 to replace the landmark which brought them to the original artist and local lawyer, Gene Stilp, who then enlisted his friends to help him build a more durable replica. This time, it would be built out of fiberglass, metal, and wood and would be securely fastened to its new home on the river. They helicoptered it in and has been standing proudly there ever since.
For a great video about the mystery of this statue from CBS News, click here.


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Google has extended its deadline for Chrome extensions to move across to its Chrome Web Store until May.
Originally slated to begin in January , the search giant said it is imposing the restriction to only allow Chrome extensions to be installed from the Chrome Web Store in order to cut down the number malicious extensions that Windows users are experiencing.
"Some developers have requested more time to complete this transition, so we've decided to extend the window until May 1 before we start enforcing this policy for the Windows Stable channel," wrote Google engineering director Erik Kay in a blog post.
"After this time, extensions outside the Chrome Web Store will be automatically disabled. If you register after the deadline, your users will need to manually re-enable or re-install your extension to regain functionality."
The change will be introduced into the stable and beta channels of Chrome, but only for users running Windows. Users running in the Dev or Canary channels, as well as any Chrome users on Mac, Linux, or Chrome OS, will not be affected.
Google has said previously that it is only implementing this change for Windows users because "that's where we receive the most user complaints of bad behaviour".


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|Monday, October 26, 2020
'Retail pharma market growth phenomenal in Sri Lanka'
The history of modern pharmaceutical retail market in Sri Lanka begins in the early sixties. And it was in the latter half of 1962, a very important recommendation by the Formulary Committee of the Department of Health kicked off the market to the new era of strategic approaches. The Committee, which undertook the task of studying the therapeutic usefulness of all drugs marketed in Ceylon at that time and recommended that the import of drugs should be restricted to only those items which were approved by the Committee as therapeutically valuable drugs. These drugs were classified as 'non-proprietary' and 'proprietary'. However, the lists of these drugs were amended from time to time and amendments consisted of additions and deletions. Over a period of more than four decades, the retail market grew multifold both in value and volume along with the terminology itself. The growth was exceptional, says
M Balasubramaniam, Director and Country Manager, IMS Health Lanka, in an interview with
C H Unnikrishnan
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text: My Glock 22 was my first semi auto. I couldnt shoot it well for a long time, until I did the Snap Cap drill and realized I was flinching. Was able to overcome it with time. Then I got more into shooting my PPQ 9MM and a Glock 26. I've always been able to shoot them pretty decent, life was good for about a year. Then came the current ammo shortage. I found some .40, and naturally gravitated back to my 22. I went out both a few weeks ago and yesterday, and couldnt hit anything. I realized my flinch was now back with a vengance. I dry fire, shoot a .22 caliber, and use Snaps Caps when needed. So I understand how to move past this issue. My problem here is I've already worked through this issue, then it came back. So I need to ask: Does the .40 cause more flinching than other calibers? I'm looking to "blame" the caliber simply because I dont see anything else that would have changed. To be clear though, I know that I'm the problem, NOT the caliber. It should be noted that due to finances and my life style, I can really only go shooting about once every three weeks, and shoot approximately 200 rounds. This isn't about to change anytime soon. It should also be noted that Ive never conciously minded the "snappiness" of the .40, and have never considered myself a recoil sensistive person. However, if I need to go back up this learning curve every time I go back to the .40, thats a problem. Thanks!


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About The MySQL Conference & Expo
The MySQL Conference & Expo will feature:
- Over 100 sessions for a wide range of skill levels
- Tutorials to help develop technical skills and learn new tricks
- More than 2000 MySQL developers, gurus, experts, and users under one roof
- Dozens of new tools and technologies from third party vendors in the Expo Hall
- Birds of a Feather sessions, evening events, and networking opportunities.
Be a Part of a Learning Community
With more than a hundred sessions and tutorials led by MySQL developers and open source experts who know their subject inside and out, you'll gain unique insights from speakers who are using MySQL to successfully run the world's most demanding applications, saving millions of dollars over proprietary software and hardware solutions.
Come to the MySQL Conference & Expo to:
- Learn how to optimize the performance of MySQL
- Learn how MySQL fits into Web 2.0 architecture and emerging web technologies
- Get detailed insight into new MySQL features
- Delve into new techniques around Stored Procedures, Partitioning, HA Clustering, Triggers, and Views
- Learn Administration and Security Best Practices
- Develop skills for scale-out using PHP, LAMP, and Java
- Hear real world experiences implementing MySQL projects
- Discover best practices for using MySQL in a range of architectures including Web, Cluster, Enterprise Data Warehouse, Embedded applications, and more
- Migrate from proprietary databases to MySQL
- Participate and share ideas in evening BoF sessions
- Take advantage of this rare opportunity to meet face to face with a huge cadre of engineers who are in the process of developing MySQL.
- Share ideas and get your toughest questions answered from MySQL experts. Bring your team, your laptops, and leave with new insights in how to build high performance scale-out applications using MySQL.
Why Attend
Four Days, One Roof, Unlimited Opportunities
Fast-paced sessions, a handshake with your programming hero, late night hacking, a beer in the bar with someone you've only known via email...the MySQL Conference & Expo packs a wealth of big ideas, know-how, and connections into four concentrated days—and nights. You'll be able to apply what you've learned immediately and be prepared for what the future brings.
Inspirational Keynote Presentations
At the MySQL Conference & Expo, you'll benefit not just from gathering with your peers and experts from a wide variety of companies and countries, but also by learning from some of the leading visionaries in the open source world. Hear what they have to say about the future of software and the evolution of open source in the enterprise and beyond.


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e-mail: email@example.com to order this versatile die that you will be reaching for time and time again for all occasions and seasons.
Card With a View
2 cutting dies
Wall size: 4.40" x 4.40"
Window size: 2.40" x 2.40"
Bricks: 0.75" x 1.0"
Wall size: 4.40" x 4.40"
Window size: 2.40" x 2.40"
Bricks: 0.75" x 1.0"
This die set is a brick wall with a window cut out and includes
an extra die that cuts out extra bricks so you can embellish your window.
Use your embossing mat to add the brick texture to your wall
around the window and use gilding wax or ink
to add dimension and texture.
Put a stamped image or cutting sheet image in behind the window
so it looks like you are really looking in or out of a window.
$19.99 plus shipping
Tiny's Winter Background Cutting Sheets
4 images per sheet
Squares: 4.0" x 4.0"
Rectangles: 5.50" x 3.90"
Squares: 4.0" x 4.0"
Rectangles: 5.50" x 3.90"
Use you scissors or shape die to cut out these snowy background
images to add to your cards/layouts.
These beautiful pictures include landscapes with houses, trees,
creek and skies to add that little extra or to use on it's own!
$1.00 plus shipping


text:
After three years apart, they have a lot of catching up to do.
Victoria and her daughter Miley were shocked, surprised and thrilled to have their beloved cat identified and returned to them.
"When I told Miley, she shouted 'What? They found Cleo?'. She's pretty happy telling everyone at school," said Victoria.
We moved 10 minutes away and Cleo kept running back to our old place, but one day, we couldn't find her."
Fast forward three years later and Victoria and Miley are celebrating a happy homecoming with Cleo, who will also be reunited with her fellow feline companion, Bella.
"Bella was really sad when Cleo went missing. She became distant and fearful of strangers and outsiders," Victoria said.
It's unknown where Cleo has spent the past three years, but thanks to a microchip, she was able to return home to her family.
Microchipping gives you the best chance of being reunited with a lost pet. Speak to your vet today about microchipping your pet. Is your pet already microchipped? Make sure your details are up to date.


text:
Book now
Grosvenor St W1K 4QS London United Kingdom
Area: --
View map
Book online or call +39 041 8624040
view info & map
Property Location
Located in London (London City Centre), this apartment is within a 10-minute walk of London Palladium Theatre and Selfridges. This apartment is 0.6 mi (1 km) from Marble Arch and 0.7 mi (1.2 km) from Piccadilly Circus.
Make yourself comfortable in this air-conditioned apartment, featuring a kitchen with a full-sized refrigerator/freezer and a stovetop. A flat-screen television is provided for your entertainment. Conveniences include a desk and a separate sitting area, and housekeeping is provided on a limited basis.
Take advantage of the apartment's 24-hour room service. Continental breakfasts are available for a fee.
Business, Other Amenities
Featured amenities include luggage storage and laundry facilities.


text:
- This event has passed.
Queer Summer Art Party and Fundraiser
June 19, 2015 @ 7:30 pm - 9:00 pm
* Art Exhibition
* Social
* Fundraiser
This Event:
* Is LGBTQ hosted
* Has LGBTQ content
* May be of interest to the LGBTQ community
The ArtWrite Collective is hosting Queer Summer Art, an entire summer of artistic celebration brought to you through the lens of LGBTQ+ experience. Coming up quick is the QUEER SUMMER ART PARTY, where our artists will be selling prints, t-shirts, ceramics and artwork to benefit creative programming for LGBTQ+ youth in our area. We will also be releasing the first summer queerzine, READ THE ROOM, which was produced in conjunction with our exhibit at Monona Public Library. Surprises await you!
Queer Summer Art Schedule:
-Exhibit at Monona Public Library June-July; reception June 19th from 5p-6p
-Queer Summer Art Party and Fundraiser at Jade Monkey June 19th from 7:30p-?
-Exhibit at Cafe Zoma July-August; reception and open mic July 10th from 5p-9p
-Exhibit at Shamrock Bar & Grille August-November; reception August 7th
The ArtWrite Collective is a justice-oriented organization of LGBTQ folks, folks of color, and womyn who are cultivating a resilient community through art. To donate to our mission, contact us at email@example.com
Are you an artist wanting to get involved? Reach out!
- Date:
- June 19, 2015
- Time:
7:30 pm - 9:00 pm
- Event Categories:
- Art Exhibition, Fundraiser, Social
- Event Tags:
- art, ArtWrite Collective, events, graphic art, LGBTQ, Madison, queer, social, Wisconsin, workshops
- Website:
- https://www.facebook.com/events/953772214654503/
- The ArtWrite Collective
- Email:
- email@example.com
- Website:
- http://theartwritecollective.org/
- Jade Monkey Cocktail Lounge
109 Cottage Grove Rd.
Madison, WI 53716 United States + Google Map
- Phone:
- (608) 819-8501
- Website:
- http://jademonkeybar.com/home/


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Avery Dennison encourages vehicle wrappers to 'power your emotion' with a ravishing set of three new metallic colours!
Introducing 3 New Metallic Vinyl's In Gloss And Satin
Described as bold and seductive, William Smith, part of William Smith Group 1832 will stock all three of the new Supreme Wrap Film colours.
The new colours include Gloss Metallic Fun Purple, Gloss Metallic Passion Red and Satin Metallic Energetic Yellow.
With an industry launch due at FESPA this week, Chris Bradley, Head of Marketing at William Smith, part of the William Smith Group 1832, said "We're sure these new, exciting colours will be a huge hit!"
"It's great, to once again, be able to expand our portfolio of vehicle wrap films, all of which are on the shelf in our warehouse ready for same day dispatch."
Why The Supreme Wrap Film Is Popular With Car Wrappers
With superior performance, fast and easy application and removability thanks to Easy Apply RS™ Technology, the Avery Dennison Supreme Wrapping Film range allows for quick and simple positioning and air bubble-free application.
The 80-micron premium cast vehicle wrap film, with 12-year durability, is ideal for full and partial vehicle wraps designed to stand out from the crowd.
The latest colour additions are all available by the metre and can be ordered as full, part, or custom slit rolls with same day despatch available on orders made before 6pm.
To place an order, or for further information visit https://www.williamsmith.co.uk/product/avery-dennison-supreme-wrap-film.


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$139.29/ per Night
This gorgeous Disney Vacation Home meets the vacationing needs of couples, families, or large groups. You'll have a fabulous time throughout your stay at this luxurious vacation home that offers nothing but the ultimate in comfort and convenience. When you're ready for more fun and excitement, don't forget Disney World is just a few minutes drive away! Why waste time traveling and getting stuck in traffic when you can be just 2 Miles from Disney.
This beautiful Sun Lake condo resort features a bright interior and merry atmosphere to be enjoyed throughout your stay. With 1650sq/ft on one level, this spacious condo features 3 bedrooms and 3 full bathrooms, fully-equipped gourmet kitchen, living room, family room (equipped with a queen sleeper sofa), and a spacious screened patio. You may spend quality time together with everyone in the same area as everything is located on the same level.
When it's time to whip up a great meal, you'll be right at home in the open concept gourmet kitchen with elegant wood cabinetry. Everything that you need will be at your reach, including a refrigerator, microwave, coffee marker, blender, toaster, rice cooker, lobster pot, pots and pans, and an assortment of cookware. You will definitely enjoy dining outside on the spacious patio and watching the sunset with the other guests or your special someone.
The community of Sun Lake features a resort size swimming pool and hot tub, a perfect way to cool down on a hot sunny day. A fitness center and games room is also available for your pleasure and entertainment.
Sun Lake resort is a home away from home. You will never miss the comforts of home while staying here. Book your vacation at the Sun Lake resort today, for a luxurious stay at an affordable price
• 1 King Bed
• 1 Queen Bed
• 2 Twin Beds
• 1 Queen Sofa Bed in Living Room
• 3 Full Baths
• Baby Gear Included In Unit (baby Gate, Crib, High Chair, Stroller)
• Resort Pool And Spa
• Resort Playground
• Resort Pool Table
• Resort Theater Room
• Resort Fitness Center
• Complementary High Speed Internet Access In Unit
• Digital Cable TV Included In Unit
• Free Long Distance Phone Calls To USA, Canada, And Mexico
• Free On Site Parking
• Fresh Towels And Linens Included
• Friendly Customer Support From A Dedicated Manager Throughout Your Stay
• Fully Equipped Kitchen With Standard Appliances
• Full Sized Washer And Dryer Included In Unit
• Gated Community
• Hair Dryer, Ironing Board & Iron Included
• LCD TV With DVD Player And Nintendo Wii Gaming Console
• No Check In Required/ Secure Key-less Deadbolt Entry To Unit
Property ID# 3997
More Sun Lake like this one
Sun Lake/SW4110
3 3 6
$131.43 per night
Sun Lake/KS3997
3 3 6
$139.29 per night
Sun Lake/LW3973
3 3 8
$139.29 per night


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© Peden + Munk
Adding blackberries to a mint julep adds fruity flavor to the classic warm-weather cocktail.
How to Make It
Fill a rocks glass halfway with ice cubes. In a shaker, combine the 1/4 cup of blackberries, mint leaves, sugar, bourbon and 1/3 cup of ice cubes and shake well. Strain the drink into the glass through a coarse sieve, pressing on the solids. Garnish with the blackberry and mint sprig.