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Check it out online – the figures tell their own story
The Financial Times does not mince its words. It has just published an article on the banking sector with the doom-laden caption: "Margins, profits and dividends will never fully recover."
The newspaper's FTMoney editor, Jonathan Eley is in no doubt about the future for the UK's banks: "The halcyon days of banks and bankers are over. Returns on capital and equity will never recover to pre-crisis levels, nor will share prices or dividends," he writes.
"Let's leave aside for a moment the notion that bankers as a species just can't seem to behave themselves, and that the regulatory clampdown arising from subprime debt, Libor-rigging, PPI-mis-selling and sundry other misdemeanours is going to continue for years.
"A more potent long-term threat to banks comes from technology and changing consumer habits."
The article (subscription required a few days after publication) goes on to detail developments such as contactless payment, and the impact of peer-to-peer (P2P) finance in several areas. The piece sums it up this way: "The traditional business of lending is under attack, too. Last week, cumulative lending using peer-to-peer platforms reached £2 billion, just nine months after it crossed the £1 billion threshold. Lending sites offer quicker decisions for borrowers and better rates for savers."
Here's a quick fact-check on that last point. According to the savings intelligence platform moneywise.co.uk, the best instant-access rate deposit account currently offers 2.57 per cent (almost twice the next-best rate on offer).
The best rates for a five-year term investment are pitched at 3.2 per cent. The Tesco Bank offering for minimum deposits of £2,000, with interest paid on the anniversary of deposit.
At Money&Co., we currently have a five-year A-rated loan on offer. It pays an indicative gross yield of over 8 per cent, and payments are made monthly. Lenders wanting to sell their loans early can do so in the loan auction market.
We like to think the figures speak for themselves.
*** The People's Choice awards from the Alternative Finance media outlet are being made on Tuesday. Please support Money&Co., and crowdfunding in general, by voting here.


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Parliamentary report in UK prompts Big Four for forced break-up in their businesses
Last week, 05.18.2018, the British Parliament evaluated the possibility of a break-up of Britain's big four accountancy firms, – namely, the "Big Four" – Deloitte, Ernst & Young, KPMG e PwC, after a damning parliamentary report further suggested that their sprawling advisory wings in the UK are leading to conflicts of interest and a crisis of confidence facing the sector.
This would not be the first time that state intervention forced the Big Four when it comes to divesting from consulting work. According to the Financial Times, the top executives of the firms have long studied possible scenarios for the forced separation of their businesses. The issue is addressed because there is a constant imbalance in the auditing market in that country, strongly perceived in Brazil also: the largest auditing and consulting firms have invariably the large number of clients willing to spend with auditing services.
Following this matter, by taking this large share of business, there is a market imbalance seen through the lack of competitiveness in the area. For instance, the Big Four accountants audited all but nine of the companies listed on the FTSE 350 at the end of the last financial year. As a result, there are the market entry challenges that small and medium-sized audit firms encounter when faced with such fierce competition, ranging from prospecting to the barriers of possible hiring.
This situation in the private sector is due in large part to the fact that a Big Four, by offering a certain consulting service to the company, can compel the latter to hire the multinational also for the execution of the audit services, which would imply an inadequate conduction between the these two independent services.
Considered by many to be controversial, the position of the British parliament over the regulation of the area is debatable. On the one hand, professionals in the auditing field argue that the greatest impediment in the insertion of the external audit service in small and medium-sized companies occurs because the fees for this work come from the hours worked, and that the execution of this service requires audit experience, which ultimately increases the remuneration of an experienced and qualified auditor. Therefore, the problem would be precisely in the market price offered by these companies and not necessarily in the scope of services or their products that can be offered to companies, organizations and institutions.
On the other hand, there are those who argue that the practice of these auditing firms – the Big Four – is illegitimate and that the service has been treated for years as a commodity: quality is deprived in spite of quantity. An example of this, according to this logic, is that the Big Four will prospect their audit clients through the numerous consultancies that they have been doing in the most diverse companies in many segments.
The fact is that, despite many objections, the parliamentary report strongly points out to a recent emblematic episode in England: the bankruptcy of the construction company, Carillion, in January this year, with a debt for £7 billion and only £29 million in cash. The scandal in the financial health of the company goes back to the eminent conflict of interests provoked by the combo of a consultancy, followed by an audit conducted by the same company, surprisingly, one of the Big Four.
The main concern, however, is the consequence that this break-up will bring to the audit market in the country and, later on the rest of the world, since we are talking about multinationals consolidated for decades in the audit market. Is it possible, then, to foresee the significances of a possible separation in the scope of services offered by the four largest multinationals in the audit industry in the world?
A break-up scenario could involve two possibilities: the first one forces each large firm to split into two smaller and different firms. That is to say, for instance, there would be a Deloitte Consulting and a Deloitte Auditing – two separate firms. The second scenario would involve for the Big Four firms gradually give up auditing services and invest heavily in consulting activities. This is possible because most services performed today by the Big Four are not. However, this possibility is considered as the less probable, since it was through the audit that these companies consolidated in the world.
Roger Maciel de Oliveira
Audit | Consultancy | Advisory | Forensic Accounting. Member of Russell Bedford International, a global network of independent professional services firms. Accredited by BACEN, CNAI, CVM, IBRACON and SUSEP.

subset: commoncrawl


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Syrian President Bashar Assad is ready to hold parliamentary elections and share power with a "healthy" opposition, Russian President Vladimir Putin, a close ally of the increasingly isolated Middle Eastern leader, reportedly said Friday. The last time Syria held a parliamentary election was in 2012, when the coalition led by Assad's ruling Baath Party won most of the seats.
"Overall there is an understanding that the unification of forces in the fight against terrorism should proceed in parallel with some sort of political process within Syria," Putin reportedly said on the sidelines of a conference in the Russian city of Vladivostok. "[Assad] is in agreement with this, up to holding snap elections for, say, parliament, as well as establishing contacts with the so-called healthy opposition and bringing them into the leadership."
However, the Russian president did not elaborate on who, or what, the "healthy" opposition is.
While the U.S., the European Union and the Persian Gulf nations have sided with Syrian rebels and opposition since unrest in the country began in 2011, Russia -- a staunch supporter of the Syrian government since the Soviet era -- has refused to do so, opposing demands calling for Assad's ouster.
Increased Russian involvement in Syria has also worried the U.S., which feels that Putin's support for Assad undermines international efforts to remove Assad from power -- efforts that have been complicated by the rise of the Islamic State group in the region.
The rise of the Sunni militant group, which currently controls territories in northern Syria and Iraq, has contributed to a growing chaos in the war-torn nation. The U.S., which leads an anti-ISIS coalition, has been carrying out airstrikes on ISIS targets in Syria since last September, helping the so-called moderate Syrian rebels advance against the group. However, since the rebels are also opposed to Assad, Russia -- which is not part of the coalition -- has reportedly insisted that the U.S. also coordinate with the Syrian army. Meanwhile, the Syrian army has been accused by international human rights groups of using barrel bombs to target civilians.
"If it's impossible today to organize joint work directly on the battle field between all those countries interested in fighting terrorism, it's indispensable to at least establish some sort of coordination between them," Putin reportedly said. "We do not impose anything, but we're ready to contribute to internal dialogue in Syria."


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Datele acestea se pot schimba in ORICE moment, politica Apple le permite developerilor sa schimbe situatia acestor aplicatii gratuite sau la pret redus oricand doresc asa ca verificati in AppStore daca datele de aici corespund cu cele de acolo. Modificarile acestea sunt in general valabile pentru scurt timp asa ca fiti vigilenti.
Turbo Racing Extreme Street Chase
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Build and Play 3D – Planes, Trains, Robots and More
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Decrease Poor Decision Making with Good Sleep Habits
|September 27, 2018
|1:00 - 2:00 pm
|CRT 200 (Webinar)
|How important is sleep, really? This webinar will provide a brief overview of some of the surprising connections between healthy sleep and the things that we care about -- weight management, mental health, physical performance, brain function, etc. We will also examine the role of technology as both a source of problems but also promise in the quest for better sleep health.
The 3 main takeaways from this session will be:
• understanding how sleep impacts more than just fatigue -- how sleep impacts metabolism, heart function, brain function, etc.,
• understanding how sleep impacts real-world outcomes like productivity, injury risk, poor decision making, and weight gain, and
• implementing scientifically-validated strategies for improving sleep health that integrate well with sleep tracking technology
To Register, select "Read more"
|More Information
|Read More »
|Download this event


text: Eid Mubarak Eid Mubarak Tuesday 19 May 2020 Fr Denis Stanley The Pontifical Council for Interreligious Dialogue sends, every year, a message to the Islamic community on the occasion of the month of Ramadan and 'Id al-Fitr, the feast that concludes it. The Catholic Church in Melbourne also extends its good wishes to our Muslim brothers and sisters as it concludes the month of Ramadan, a time for spiritual healing and growth, of sharing with the poor, of strengthening bonds with relatives and friends. Read more


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The Calhoun Area Residents Action Group wants residents to complete a six-question survey to help choose a new name for the CARAG neighborhood.
"The acronym can be confusing and has become outdated since Lake Calhoun was renamed Bde Maka Ska. We're looking for a new name that communicates our location in Minneapolis," states the survey.
The survey asks people to rate a dozen suggested names, including Bryant Square, Henn-Lake, Lower Uptown, Lyn-Lake, Lyn-Town and Uptown Corners. There is space to suggest new ideas as well.
The neighborhood hopes to hear from renters in particular, as they make up more than 70 percent of the neighborhood.
Survey respondents who live or own property in CARAG enter a drawing for a $50 Pizza Luce gift card.
CARAG's borders are Hennepin, Lyndale, Lake and 36th Street.
Find the survey at carag.org.


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The Premier League had its first heavyweight battle as Liverpool handled Chelsea, league play began in the German Bundesliga and Italian Serie A, plus we got a good look at Real Madrid. It's Monday, and Gab Marcotti reacts to the biggest moments in the sport of football from the past week.
Jump to: Liverpool vs. Chelsea takeaways | First look at Pirlo's Juve | Don't worry about Madrid | Man United issues laid bare | Mbappe to PSG's rescue | Arsenal's work in progress | Dortmund's young stars impress | Do Inter need Vidal? | What to make of Spurs? | Don't write Leipzig off |
See? Liverpool are just fine
Rumors of Liverpool's demise, after the defending champions gave up three goals to Leeds United at Anfield on opening day, were obviously exaggerated. Away to Chelsea, they didn't just dominate for long stretches -- they were strongest in some of those areas that had been identified as potential weaknesses.
Fabinho filled in admirably at center-back for Joe Gomez and, in fact, with the arrival of Thiago Alcantara, might be a better option there. The front three turned in a vintage performance not just with Sadio Mane's opening goal, but with the work they did off the ball too, forcing Chelsea to defend deep and ensuring they struggled to play out from the back.
Burley: Werner will make Havertz look worse
Craig Burley explains why Timo Werner's style of play will have a negative impact on the outlook of Kai Havertz's performances for Chelsea.
New arrival Thiago came on at half-time and drew rave reviews for the way he spread the ball, dictated play and generally appeared as if he'd been in that midfield all his life. I'm not sure how much to read in this performance -- it's a whole heck of a lot easier to ping the ball around when the opposition are a man down, as Chelsea were following Andreas Christensen's take-down/rugby tackle on Mane before half-time -- but there is no question he gives Liverpool a dimension they didn't have previously: the ability to break down opponents who sit deep.
The fact that Thiago, at Bayern, already operated in a side that pressed high -- as Liverpool still like to do, although not as often as before -- is a bonus. But Thiago also allows you to play a possession game, and, of course, he's a devastating passer in transition. His signing is also evidence that Jurgen Klopp is doubling down on continuing to win straight away.
- Stream new episodes of ESPN FC Monday-Friday on ESPN+
From a strict squad management perspective, while the transfer fee wasn't excessive (a reported £20 million rising to £25m), giving a four-year deal and significant wages to a guy who turns 30 in April is a bit of a gamble. This is particularly true when you consider that Thiago has started less than half of Bayern's games over the past seven years and, in fact, has started more than 60% of Bundesliga matches just twice in his career (last year, he was in the starting XI 20 times). Throw in the fact that Mane, Roberto Firmino, Mohamed Salah, Virgil Van Dijk, Jordan Henderson and Gini Wijnaldum are all 28 or older, and the risk of a team getting old all at once is further magnified.
That said, Thiago appears to be the sort of player whose playing time can be managed. He doesn't need to play every game -- in fact, against certain opponents, Liverpool may be better off with a more dynamic midfielder in his place -- and, particularly if it helps preserve his health, you imagine he'll be on board with a "load management" approach.
The arrival of Diogo Jota from Wolves, on the other hand, is more about adding depth to the front three. On paper, he becomes the first option off the bench, and, at 23, he has the durability to fill in for any of the forwards. (If he comes in for Firmino, you'd imagine Salah would move centrally.)
- Liverpool ratings: Mane 9/10, Thiago 8/10
- Chelsea ratings: Kepa, Christiansen earn 4/10 in loss
- Reax: Kepa gets roasted on social media
As impressive as Liverpool were, if felt as if Chelsea got a lot of things wrong on the day. I've said it before, but Kai Havertz remains a very raw talent and it's not clear at all that Frank Lampard has decided how to best harness his skills. After playing wide in Week 1, he lined him up at center-forward on Sunday, with Timo Werner shunted to the wing, free to cut inside.
Burley: I feel sorry for Kepa
Craig Burley shows empathy for Chelsea's Kepa Arrizabalaga, who is clearly struggling in goal for Frank Lampard.
Havertz did play up front after the restart for Bayer Leverkusen at the end of the 2019-20 season, but those were very different circumstances. Under Peter Bosz, Leverkusen committed plenty of men forward, and he had plenty of options around him. Against Liverpool, Chelsea were often forced to break from deep, and he struggled both to hold up the ball and run behind the defense.
You wonder where he'll pop up next in this Chelsea side; logic would suggest in the hole in a 4-2-3-1, but that role comes with all sorts of responsibilities when not in possession.
Havertz is only 21, he's in a new country, and he needs time to adapt. It may be that the best solution is if he spends some time on the bench, a bit like Christian Pulisic did after he arrived.
Beyond Havertz, Chelsea really struggled to break Liverpool's press, and that's a concern when you consider that N'Golo Kante was joined in midfield by Mateo Kovacic and Jorginho, in theory two of Chelsea's best, most experienced deep flying midfielders.
In other words, there's plenty of work for Lampard to do and we haven't even mentioned Antonio Rudiger -- excluded from the matchday squad -- or Callum Hudson-Odoi, who has seen just 11 minutes of action thus far.
What we learned from our first look at Pirlo's Juventus
I wrote about Juventus' choice of Andrea Pirlo last week and, like most, was curious as to what version 1.0 would look like, especially after reading his thesis.
- Stream new episodes of ESPN FC Monday-Friday on ESPN+
- Serie A on ESPN+: Stream LIVE games and replays (U.S. only)
The 3-0 thumping of a very defensive Sampdoria saw them line up in a pretty complex, flexible formation: 3-4-2-1 when they attacked, 4-4-2 when defending. The key to the transition was Aaron Ramsey, who slipped back into a left midfield position, with wing-back Gianluca Frabotta retreating to left-back and Danilo sliding across to right-back. Up front, Cristiano Ronaldo and Dejan Kulusevski -- both of whom got on the score sheet -- switched positions with each other and with Ramsey.
McKennie 'hit the ground running' in Juventus debut
Gab Marcotti says Weston McKennie's performance vs. Sampdoria bodes well for his career at Juventus.
- USMNT: McKennie makes Juve debut in win vs. Sampdoria
Juve looked comfortable, confident and as front-foot-forward as we've seen them in a long time. Obviously a number of players were missing; you imagine Matthijs De Ligt will slip seamlessly into the back line, while Alex Sandro will be at wing-back and Arthur will compete for a spot in midfield where, incidentally, Weston McKennie offered intensity and tactical nous. (Evidently he's a quick learner).
If you assume they will sign a veteran center-forward (at this stage, it looks to be Edin Dzeko) and that Paulo Dybala will return, it's not clear who misses out. You can't really expect Dybala to do the job Ramsey was doing. Still, all it means is that Pirlo has plenty of options and this is by no means the finished product.
Real Madrid will be fine in the long run
Zinedine Zidane was asked repeatedly whether his team "had enough goals in them" after the 0-0 draw away to Real Sociedad. It's a function not just of the scoreless draw, but the fact that they extended their run of games in which they score fewer than two goals to 10, dating back to last season.
- Real ratings: Kroos 8/10, Odegaard 6/10 in draw
It's true that clear-cut chances were few and far between against La Real (and, in fact, the best came to Alexander Isak, forcing a world-class save from Thibaut Courtois). Both Vinicius and Rodrygo disappointed, and while Martin Odegaard's inclusion ahead of Casemiro gave them extra attacking oomph in the middle, it wasn't enough to consistently supply Karim Benzema.
Real Madrid's attackers don't have 'a lot of final product'
Alejandro Moreno says Real Madrid cannot seem to finish off attacks despite explosive attacking players.
But we're one game into their season, and when Eden Hazard, Isco and Marco Asensio are all fit, this side may well look very different in terms of attacking production. Let's just hope it's a "when" and not an "if."
Man United's lack of depth laid bare again
With Manchester United fans already upset over the club's transfer window, Ole Gunnar Solskjaer needed the 3-1 defeat against Crystal Palace like he needed a hole in the head. Despite some pedantic officiating, it was fully deserved and once again highlighted the club's evident limits in certain positions.
- Dawson: Optimism vanishes around Man United
- Man United ratings: Lindelof 4/10 in stunning defeat
I get the concept of not wishing to being taken advantage of. United are one of the few liquid clubs out there; sellers know it, and Ed Woodward likes to hold out for what he thinks is the right price.
As many have widely reported, their pursuit of Borussia Dortmund's Jadon Sancho is the ultimate example. If they can't get him this summer at a fee they deem fair, they'll get him next summer. That's fine and all, but it should also be clear that it's imperative to finish in the top four, and competition appears stiffer this time around. Chelsea have spent plenty, Spurs are rolling the dice on the transfer market, Arsenal look stronger and the likes of Wolves, Leicester and Everton are still around to spoil the party. Meanwhile, the pandemic has left a bunch of clubs with high-priced talented veterans they simply can't shift because their wages are too high.
Is Ole Gunnar Solskjaer back on the hot seat after Palace defeat?
Jan Aage Fjortoft says Ole Gunnar Solskjaer's "terrible summer" could lead to his sacking down the line.
If United can't land their first-choice, long-term targets they're pursuing, maybe their strategy ought to involve looking for short-term alternatives in those positions. For example, you can get an Ivan Perisic or even an Edinson Cavani for nothing or close to it. (Lest we forget, Odion Ighalo's loan ends in January.) Sure, wages will be high, but that's not really the issue, as long as you're not locking yourself into a long-term deal (and you wouldn't be).
It's the sort of move they pulled back in 2016 when they signed Zlatan Ibrahimovic, who was nearly 35 at the time. Or, more recently, what Chelsea did in picking up Thiago Silva. A top-four finish -- if there are no more signings -- isn't something to take for granted this season. Sometimes you have to think short-term if you want to get where you want to be long-term.
Mbappe returns to give PSG the spark they'd been missing
PSG 'a completely different team' with Mbappe back
Julien Laurens says Kylian Mbappe's return was the driving force behind PSG's 3-0 win over Nice.
With Neymar (and three others) suspended, Thiago Silva gone and Paris Saint-Germain teetering on the edge of full-blown crisis, Kylian Mbappe's return from a positive COVID-19 test and subsequent self-isolation couldn't have come at a better time.
The young striker converted a (generous) penalty and, more than that, was at the heart of most of what PSG achieved in the 3-0 win at Nice, a game that was harder-fought than the result suggests. Mbappe didn't just offer quality, either; he offered enthusiasm and leadership to a team that badly needed it. That's a lot for 21-year-old broad shoulders. Then again, his are very broad.
Arsenal win again, with caveats
Fjortoft: Reyna told me he was frustrated after Dortmund win
Jan Aage Fjortoft says Gio Reyna told him he "should have done more" than the one goal in Dortmund's win.
It's two wins out of two for Arsenal to open the 2020-21 Premier League season, but West Ham highlighted just why it was important for Gunners fans not to get carried away after the opening-day win over Fulham.
- Olley: Arsenal need midfield help
- Arsenal ratings: Lacazette 8/10 in nervy win
Dani Ceballos was critical on his seasonal debut, but there were a number of close calls at the back, and not just because Sead Kolasinac was in for Kieran Tierney. (Roll on David Luiz and William Saliba.) Further up the pitch, Willian and Pierre-Emerick Aubameyang had quiet games, although the latter did provide a superb cross for the goal.
If the front three are having a collective off day, it's critical that Bukayo Saka get on the pitch. I'm not sure if wing-back is his long-term position, but he has already shown he can be influential in different areas. Arteta's framework for this team remains solid; the questions are more about the guys who need to execute within it.
Dortmund's young side dazzle vs. Gladbach
Nicol: 5-2 flattered Tottenham against Southampton
Steve Nicol doesn't see the gulf between Tottenham Hotspur and Southampton that the 5-2 scoreline reflected.
Hosting Borussia Moenchengladbach (albeit one where Alassane Plea and Marcus Thuram only came after nearly an hour) on opening day is obviously being thrown in at the deep end. Borussia Dortmund's young stars passed the test with a 3-0 win that was perhaps a bit more laboured than the scoreline suggests. There were some jitters in the first half, before they brought the hammer down after the break.
- Stream Bundesliga all season long on ESPN+
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Lucien Favre's decision to leave out Julian Brandt and Marco Reus and play Jude Bellingham and Gio Reyna with Jadon Sancho and Erling Haaland (who notched two goals, which means he's on pace to score 76 in the Bundesliga alone this season) may have been motivated by other factors, like fitness, but was nonetheless brave. Reyna opened the scoring and Bellingham played with the confidence and intelligence you wouldn't expect from a guy who turned 17 in June.
Stabilizing the defence -- Manuel Akanji looked solid again -- is Favre's main task this season, but finding the right combination of players among his young guns to ensure everyone gets playing time and remains happy will be no less important.
How will Inter make room for Vidal?
The Antonio Conte-Arturo Vidal bromance is set to bloom again at Inter. It's not clear how much the Chilean midfielder has left in the tank at age 33, but Conte desperately wanted him, and from Inter's perspective, they evidently felt they had to go all-in. There's no point keeping Conte around if you're not going to bend to his will.
Now, of course, comes the tricky part. There's a glut of players under contract who, on paper, won't get on the pitch much, from Perisic to Radja Nainggolan to Joao Mario. Inter can try to shift them, but if they stick around, Conte needs to find a role for them. Either that or he can never complain ever again about having too small a squad.
Too early to know what to make of Tottenham
Tottenham remain one of the most enigmatic sides in the Premier League, and we're none the wiser after their 5-2 win at Southampton. Spurs were turgid in the first half, but romped to victory after the break largely because Southampton's high press utterly collapsed, while the combination of Son Heung-Min's pace and Harry Kane's movement tore them to shreds. The latter ended up with four assists and the former with four goals.
But the question remains: What happens against less cavalier opposition? Can this team play something other than counter-attacking football when there's only one Giovani Lo Celso and he can't be cloned?
Questions abound over their market moves too. Not so much over Sergio Reguilon, who provides more attacking impetus than Ben Davies and frees you up to play a back three if you so choose. But what about Gareth Bale, who ironically arrives injured? He undoubtedly provides individual quality and buzz, but is he the best complement for the likes of Lucas Moura and Son? Or merely an alternative to them?
- Spurs ratings: Son 10/10 for four-goal magic
- Ogden: Will Bale and Mourinho be a perfect match at Spurs?
And what is up with Dele Alli? Dropped once again and linked to moves elsewhere, it feels like he's on Mourinho's naughty step. He's coming off two tough seasons, sure, but he's fit and just 24 years old. In the current climate, you're unlikely to get a big fee for him. Surely he's the sort of guy you'd expect Jose Mourinho to work on and turn around?
Don't write Leipzig off
Conventional wisdom has it that Leipzig are in serious trouble having lost both Timo Werner and Patrik Schick over the summer. The pair contributed more than half of Leipzig's league goals last season, and while Hwang Hee-Chan showed promise at Salzburg last year, this is a serious step up.
Maybe so, but watching them dismantle Mainz 3-1 served as a reminder that this team creates chances from all over the pitch. And if Julian Nagelsmann can tap into Dani Olmo's huge skill set now that he's had time to bed in, even more opportunities will be created. (They might also soon add Alexander Sorloth, who scored 33 times on loan for Trabzonspor last season, from Crystal Palace.) Write them off at your peril.
And finally...
As a boyhood wrestling fan, I can't help but salute Leicester City's social media team, who celebrated the arrival of Cengiz Under from Roma like this. If you don't get it, that's OK. If you do, it was simply perfect.


text:
The date of payment from buyers deliver within days
Long-term effective
2020-06-02 16:23
Company ProfileXiamen Zhongxin Electrical Equipment Co., Ltd
By certification [File Integrity]
Website:http://www.zxxpower.com/ http://zhongxin.rqxiangye.com/
Place of Origin: XiaMen,China??
Brand Name: DUP
Product Name:? 110V Dc Power For Switchgear? ?
Application: Substation construction etc
Technology Parameter
Input Voltage: 380VAC±20% | 220VAC±20%? ? ??
Suitable for all common Output Voltages: 24V,48V,110V,220VDC
Battery rated capacity: 10Ah~400Ah
Battery Pack:? Traditional Serial Battery Pack | Parallel Battery Pack
The precision: ≤ ± 0.5%
Current stabilizing precision:≤ ± 0.5%
The ripple coefficient:≤± 0.5%?
Efficiency:≥ 92%? ?noise:≤ 50dB
OEM: Accept? ?
Output Power: 500W~ 3000W
Main Features
*The system can choose two-way AC automatic switching input, master-slave backup, high reliability.?
*The monitoring system adopts the modular structure design, which makes the maintenance work simple and fast, and the work is safe and reliable.
*The monitoring function is perfect, high intelligence, using large screen Chinese characters display, sound and light alarm.?
*Equipped with standard RS232, RS485 interface, using a variety of communication protocols, easy access to integrated automation systems or separate networking, to achieve "four remote" and unattended.
Our Advantage
We have first-class production line and strict quality management system
*Competitive price
We can give customers the most competitive price to meet your budget
We have professional team to provide comprehensive one-stop service for you
*Applicable to high frequency electric equipment /switch-gear for DC power supply .
*Protect equipment from unstable electric power damage
*Storage battery group can provide power to control bus bar non-stop when power?
*Network stepped out or AC power supply fails, to ensure power supply for power?
*Failure protection/ automatic device/high voltage switch.
*With maintenance-free lead-acid battery
*This intelligence device had get high opinion from user all over the world.
Q.What is your terms of payment?
A.We accept T/T,L/C,western union,etc.The details you can discuss with us.
Q.How about your products quality inspection?
A.We have professional AQ and QC teams,100% quality inspection is performed before goods out of factory.
Q.Are you a trading company or manufacturer?
A.We are a factory with nearly 10 year's experiences.
Q.Is it all right to make customer's own brand name?
Sure,with your authorization of brand.We accept OEM service.
Q.Why should choose your company?
A.Superior quality and low price,professional technical team,rich experience,timely delivery time,excellent after-sales service,good reputation and credit.
Packaging and shipment
Packing Details: 1 pc/pol bag and then Wooden case loading it?
Size of Carton:76 x 92 x 240(cm)?
Gross Weight:200kg/carton?
Production Line
Raw material purchase - Inspection - raw material warehousing - batching - module assembly - module test - Packaging - Warehousing
Product Solution
Received quality complaint call or email - problem feedback - warranty period expired - quotation - parts replacement - Test - completed


text: ICBR75P: Mini Pentagram Cast Iron Cauldron [ICBR75P] $16.95 https://www.ravenandcrone.com/catalog/images/cauldron_cast_iron_icbr75p_tn.jpg Measuring in at just 3.5 inch from the base of its three legs to the top of its flip down carrying handle, this cast iron pentagram cauldron is a miniature ritual tool perfect for those who either do not have much space or work their magic on the move. Embossed with a pentagram on both its front and back faces, it is the perfect place for you to burn incense, easily accommodating cone incense as well as charcoal tablets for resin and powder incense. Quantity on hand : 0 This product was added to our catalog on Saturday 30 July, 2011. Quantity: We Also Recommend : IBTON: Tongs for Charcoal and Incense $4.50 Buy Now IBTONP: Pentagram Tongs for Charcoal $4.50 Buy Now IG16DRA: Dragons Blood Granular Incense 1 oz 1618 gold $9.95 Buy Now HVALC: Valerian Root Cut 2oz $5.95 Buy Now HWORC: Wormwood Cut 2oz $4.95 Buy Now HWSAG: White Sage 2oz $6.95 Buy Now HYELC: Yellowdock Root cut 2oz $5.95 Buy Now Customers who bought this product also purchased IBTON: Tongs for Charcoal and Incense $4.50 Buy Now Black Tourmaline pyramid 25-30mm $7.25 Buy Now Amethyst Tumbled Stone Dark High Quality LG $4.95 Buy Now RV23BG: Burgundy Velveteen Bag 2 x 3 $0.95 Buy Now RLGOL: Lodestone Gold $4.95 Buy Now RC27: Triquetra Chalice $17.95 Buy Now


text:
Frenzy Bar
[Total: 1 Average: 5/5]
Click Here If the Game Doesn't Load or You don't see a game on the screen.
Frenzy Bar
There are 12 levels in the Frenzy Bar game. You first need to guide the customers to the table by dragging them, take orders, and serve.


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Michelle Obama Hilariously Breaks Down Why Melania Trump's Inauguration Gift Exchange Appeared So Awkward
The former FLOTUS also explained to Ellen Degeneres how Barack stepped in and saved the day.
As he readies the release of the Trapavelli Tre mixtape, out this Thursday (Aug. 13), 2 Chainz is giving fans a sample of things to come with "Everything I Know."
On the track, produced by Nard & B, the Alabama State University graduate gives props to his favorite teacher: the streets.
The cut is one of 14 songs off the forthcoming tape, which will include production and features from Wiz Khalifa, The-Dream, Zaytoven and more.
In celebration of Trapavelli Tre, 2 Chainz will open a week-long pop up shop in downtown Atlanta starting this Wendesday. The shop will feature custom clothing, including shirts, denim and T-shirts designed by the Atlanta rapper, along with high-end designer goods.
Check below to hear "Everything I Know" and see the Trapavelli Tre tracklist.
Trapavelli Tre mixtape tracklist:
1. Neighborhood (Produced by B Wheezy, X & Mike Dean)
2. Amilli Billi Trilli ft. Wiz Khalifa (Produced by FKi)
3. Everything I Know (Produced by Nard & B)
4. Watch Out (Produced by FKi)
5. BFF (Produced by Zaytoven)
6. I feel Like ft. Kevin Gates (Produced by Hitmahkah)
7. Goat ft. The-Dream (Produced by B Wheezy & Mike Dean)
8. Start Kit ft. Young Dolph (Produced by Zaytoven)
9. If I Didn't Rap (Produced by Fresh Jones)
10. El Chapo Jr (Produced by Two 17)
11. Lapadance In A Trap House (Produced by Honorable C Note)
12. Each & Err One of Em ft. Cap 1 & Skooly (Produced by Honorable C Note)
13. Blue Dolphin ft. Betty Idol (Produced by Nard & B)
14. Big Meech Ear (Produced by TM808)
BET.com is your No. 1 source for Black celebrity news, photos, exclusive videos and all the latest in the world of hip hop and R&B music.
Click here to enter the #LookYourSundayBest contest for a chance to win FREE natural hair-care products.
(Photo: Ethan Miller/Getty Images)
The former FLOTUS also explained to Ellen Degeneres how Barack stepped in and saved the day.
"When my teacher asks me a question thinking I'm not paying attention, but I get it right."


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Far, far away galaxy of Star Wars returns to big screen
December 3, 2015
With the highly-anticipated film around the corner, Star Wars The Force Awakens is on its way to success with already $50 million in pre-ticket sales.
Stars Wars screens worldwide on Dec. 18 with a projected profit of $2 billion dollars opening night, according to Business Insider.
Star Wars Episode I: The Phantom Menace (1999) currently has the highest profit in the franchise of $1.1 billion. However, Episode 7 is expected to beat that on opening night alone. Business Insider also estimates that the overall projected profit of this film is said to be more than $3 billion worldwide.
Star Wars is one of the biggest movies even created. The films has received a $4.2 billion profit from the six first films and expected to get a $8.7 billion profit with movie seven. The movies have already showed success. It has been 10 years since Star Wars Episode 3: Revenge of the Sith (2005) first premiered. It has been 32 years since Star Wars Episode 6: Return of the Jedi (1983) started showing.
"Star Wars is fun, it's exciting, it's inspirational, and people respond to that. It's what they want." George Lucas says.
The movie will take place 30 years in the same galaxy after Star Wars Episode VI: Return of the Jedi ended. All of the original cast, including Harrison Ford as Han Solo and Mark Hamill as Luke Skywalker, will return.
Star Wars 7 is not the only episode to come out within the next five years. Star War 8 is expected to premiere on May 26, of 2017 and Episode 9 is expected sometime in 2019.
J.J. Abrams, new director of Star Wars after George Lucas' retirement, brings a new aspect to the Star Wars World. Director for hit t.v. show Lost and the last 2 installments of Star Trek, Abrams has fans expecting a lot. He originally was such a fan of the films, that he declined the offer to be director, but later chose to accept.
"Star Wars is probably the most influential film of my generation.So, in a way, everything that any of us does is somehow directly or indirectly affected by the experience of seeing those first three films." says Abrams.
Fans are expecting a lot from this film and Abrams is going to have to impress to keep fans interested.
Hello I am Gavin Carollo. I am currently enrolled as a senior at Eisenhower High School. I am the captain of the swim team and a varsity baseball player....


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Remember the glory days when you could buy a sled off the dealership floor and hit the race track that same weekend? So do we. The TLR Cup Tour is proud to announce that in partnership with Arctic Cat, Polaris and Ski-Doo, we will be offering the Factory Stock 600 class this entire season.
Just as Bob Eastman did for Polaris, Yvon Duhamel for Ski-Doo and Bob Elsner for Arctic Cat - one of the goals of Factory Stock 600 is to get fans up and out of their seats as their brand battles it out against the others each weekend.
"It used to be that what won on Sunday sold on Monday," said TLR Cup Tour organizer Todd Achterberg. "We're trying to get back to that with Factory Stock 600 and show fans that you can be competitive on the ice oval track with the same sleds you ride on the trails."
The class is geared towards new drivers and thanks to Arctic Cat, Polaris and Ski-Doo, contingency money will be up for grabs as will TLR Cup Tour points and purse.
Think your brand is the best? Join us for any of the nine rounds of race action this season to see who comes out on top.Back to News


text: Most of the beer that I drink nowadays is made in North Carolina; more so, a lot of it is brewed locally. Particularly the hoppy stuff. That's not a slap at other states, it's just the fact that I can get world-class beer right at my doorstep, fresher and faster than if it is transported... Continue Reading →


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Global Startup Ecosystem Report: Frankfurt's Startup Ecosystem conquers Top 10
Frankfurt, Hesse, April 17, 2018 – Released at the Global Entrepreneurship Congress in Istanbul, the Global Startup Ecosystem Report 2018 features insights from over 10,000 founders across 45 cities, and shows what it takes to build a dynamic startup ecosystem. For the second time since 2017, Frankfurt is one of the top 45 cities for which detailed data was collected. The Frankfurt startup ecosystem has received special recognition worldwide for the creation of a FinTech cluster and is presented several times as a future hub of the new tech era.
"The Frankfurt region combines a solid (digital) infrastructure, the right kind of talent, globally acknowledged research & teaching and a decade-long experience of established companies. The Masterplan for the FinTech and Startup region Frankfurt Rhein-Main, developed by TechQuartier, defines specific measures to foster the creation of tomorrows ideas, businesses and innovation. Together with partners from the worlds of industry, science and politics, the State Government of Hessen fully supports the implementation of the Masterplan." Tarek Al-Wazir Hessian Minister of Economics, Energy, Transport and Regional Development.
According to the authors of the report, one of the keys to Frankfurt's success is its clear focus on FinTech. "Frankfurt has the highest (together with another ecosystem) concentration of start-ups in a particular subsector in the almost 100 ecosystems worldwide," the report states. In addition, more than 50% of local VC investments were invested in Fintech start-ups between 2012 and 2017.
"Frankfurt has a relatively high number of startups in the B2B sector. For the FinTech sector, this results in the proximity to regulators and banks for partnerships. The Frankfurt ecosystem offers the best conditions for starting and growing a FinTech business with access to experienced workforce and investors. We see FinTechs as partners to innovate our business and not as competitors" says Swen Moellmann, Head of Digital Strategy & Innovation at ING-DiBa.
This large concentration of financial expertise, banks and FinTech start-ups and the close cooperation between the start-ups leads to 7th place worldwide in the "sense of community" indicator.
"In the last two years, the start-up scene in Frankfurt and the Rhine-Main region has developed rapidly. A key factor here is the excellent interaction of the players in the Frankfurt financial centre. We will continue to do so and thus make even better use of the region's potential," says Thomas Groß, Deputy Chairman of the Board of Managing Directors of Helaba.
While the Global Startup Ecosystem Report gives an overview of how Frankfurt compares with other ecosystems worldwide, a more detailed study is also in progress. This will focus in particular on high-growth start-ups (or scale-ups) and compare Frankfurt with other leading ecosystems in Asia and North America. The results of this study will be presented at a press conference at TechQuartier on June 12 2018.
Source: TechQuartier
Find the full Global Startup Ecosystem Report here.


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Request a mailed copy of our
2012 CalTravel Summit Awards - Restaurateur/Chef of the Year
One of the ways simpleview gives back to the California Travel Association (CalTravel) is by producing the videos used in their annual California Travel Summit's awards ceremony. We are proud to show you some of the 2012 winner profiles, including this one for Michael Chiarello, who is the Restaurateur/Chef of the Year. Michael and the other recipients truly give back and help bolster tourism throughout the state.


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One Dead, Two to Go by Elena Hartwell is the first book in the NEW "Eddie Shoes" mystery series. Publisher: Camel Press, April 2016
Private Investigator Edwina "Eddie Shoes" Schultz's most recent job has her parked outside a seedy Bellingham hotel, photographing her quarry as he kisses his mistress goodbye. This is the last anyone will see of the woman… alive. Her body is later found dumped in an abandoned building. Eddie's client, Kendra Hallings, disappears soon after. Eddie hates to be stiffed for her fee, but she has to wonder if Kendra could be in trouble too. Or is she the killer?
Eddie usually balks at matters requiring a gun, but before she knows it, she is knee-deep in dangerous company, spurred on by her card-counting adrenaline-junkie mother who has shown up on her doorstep fresh from the shenanigans that got her kicked out of Vegas. Chava is only sixteen years older than Eddie and sadly lacking in parenting skills. Her unique areas of expertise, however, prove to be helpful in ways Eddie can't deny, making it hard to stop Chava from tagging along.
Also investigating the homicide is Detective Chance Parker, new to Bellingham's Major Crimes unit but no stranger to Eddie. Their history as a couple back in Seattle is one more kink in a chain of complications, making Eddie's case more frustrating and perilous with each tick of the clock.
I like it. This was a good read that pulled me in immediately and quickly became a page turner as I had to know what happens next and boy did I enjoy this fast-paced and action-filled drama. The author did a great job in setting up this tale where everyone had a role and played it as it should to keep me both intrigued and engaged as the story moved forward. There were some surprising twists that once sorted out added to telling of this multi-plot mystery. Eddie is a great lead character and I look forward to getting to know more about her. The addition of her mother to the cast is a perfect fit as they complemented each other which provided some amusing moments. With a good supporting cast, good conversations (especially Eddie's internal dialogue) and a comfortable tone, this was an enjoyable read and I can't wait to read the next book with Eddie, Chava and the gang.


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What does GAEB stand for?
GAEB stands for Gemeinsamer Ausschuss für Elektronik im Bauwesen
This definition appears somewhat frequently and is found in the following Acronym Finder categories:
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Other Resources:
We have 2 other meanings of GAEB in our Acronym Attic
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- Guida Ambientale Escursionistica (Italian: Environmental Hiking Guide)
- Geology And Energy Analysis
- Georgia Adult Education Association
- Georgia Art Education Association
- Georgia Association of Enrolled Agents
- Global Awareness of Environmental Activity
- Golden Age EPIC Adventure
- Government of Alberta Enterprise Architecture (Canada)
- Grupo Asesores En Economia Y Administracion Publica (Spanish: Advisory Group on Public Economics and Public Administration; Mexico)
- Gulf of Aqaba Environmental Action Plan (Jordan)
- Gillian Anderson Estrogen Brigade
- Good Air Entry Bilaterally (lungs)
- Georgia Athletic and Entertainment Commission (Atlanta, GA)
- Ghana Atomic Energy Commission
- Good Agricultural and Environmental Condition (UK)
- Goolangullia Aboriginal Education Centre (New South Wales, Australia)
- Greek Atomic Energy Commission
- Guizotia Abyssinica Extract-Creatinine (microbiology)
- Gruppo Acquariofilo Eco-Club Umbro (Italian aquarium association)
- Gallic Acid Ethyl Ester


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There are three Rosado sisters from Morovis, Puerto Rico, with a talent for playing volleyball. The oldest is Dalianliz, the senior defensive specialist for the Gophers. The younger sisters are Yavianliz, a junior at Bradley University, and Yaidaliz, a 15-year-old collegiate prospect and in high school back home in Puerto Rico.
A reporter interviewed Dalianliz this week and got right to it: "What's with the 'liz' in these names?''
Rosado smiled and then explained:
Daliana Otero and Carlos Javier Rosado are the parents. Mom had a desire to connect their names with the daughters as they came along. There was an Aunt Brendalis in the family who served as an inspiration:
Dalianliz for Mom, and Yavianliz and Yaidaliz, both tied into Dad's name of Javier.
What happened last week was the entire family was able to assemble for the first time to watch Dalianliz play volleyball for the Gophers. The family had been here in smaller groups previously during her four-year career.
"It was great; my mom cleaned up the apartment, and it hasn't looked that good in months, and my dad cooked for Thanksgiving," Rosado said. "He is such a good cook that he should be a chef."
There was considerable comfort to be found in this reunion beyond spruced-up accommodations and outstanding food. There was also an assurance that life was slowly returning to normal after the parents and Yaidaliz had gone through the devastation of Hurricane Maria along with the 32,000 residents of Morovis.
There is an emphasis on the word "slowly" in that sentence.
"They still don't have electricity,'' Dalianliz said. "And water is still a problem for many people in our town.''
Hurricane Maria struck Puerto Rico on Sept. 20 with 155-mph winds and dumped 30 inches of rain on the first day in some areas. Morovis is located 40 miles southwest of San Juan in a region called the Central Mountains.
That area gained international attention when a concrete bridge over a river collapsed, stranding the occupants of San Lorenzo from the larger town of Morovis where many of the needed services are located.
"I was very upset as the hurricane headed for Puerto Rico," Dalianliz said. "My mom tried to help me out, sending messages, 'We're going to be OK. Go to your classes. Play great for your team. We're going to be OK.' "
Rosado first came to Minnesota as a 15-year-old for a summer camp. The obvious connection is that Daly Santana, from Corozal, Puerto Rico, and not far from Morovis, was two years ahead of Dalianliz. Santana became a Gopher in 2012 and was an All-America hitter as a senior in 2015.
"I didn't know Daly was interested in Minnesota when I came here for camp,'' Rosado said. "When we were young, Daly and I played against each other. I didn't like her then.''
That changed when they were united with the Gophers.
"I was very happy to have Daly here when I was a freshman,'' she said. "My English was terrible. She saved me.''
The 2014 Gophers were an inexperienced group and missed the NCAA tournament for the first time since 1998. They have followed that rebuilding with consecutive trips to the Final Four, and get started in the 2017 NCAA tournament vs. North Dakota at 7 p.m. Friday at The Pavilion.
The "liz'' extension is only one common factor with the Rosados. In volleyball, they are all liberos, the defensive position that was introduced to volleyball in 1999 and allows that player to avoid the rules of rotation that cover others on the court.
Get this: The Gophers have played 130 matches and 472 sets in the four seasons that Rosado has been with the program. And she has played 471 sets.
Rosado had 296 digs as a freshman. Her season totals since are 539, 511 and 466.
How many times have you hit the floor as a Gopher?
"I don't know, or care," she said. "I love being a libero because you are always involved. And I'm a very competitive person.''
Puerto Rico made the Olympics in women's volleyball for the first time in 2016. Santana was on that team, and Rosado wants to join her in Puerto Rico's effort at Olympic qualifying.
Much of Puerto Rico's sports calendar has been canceled in the aftermath of the hurricane, including the schedule for the national volleyball team. Rosado hasn't been home since last summer, and was asked when she plans a return.
"I will be going back right after we win the national championship,'' Dalianliz said, and with a nod rather than a smile.
Patrick Reusse can be heard
3-6 p.m. weekdays on AM-1500.
E-mail: firstname.lastname@example.com


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You know criminals are the "real deal" when they attempt to steal from the military, not only attempt but get it right. At a military base near Khayelitsha in Cape Town, five armed robbers managed to overpower five soldiers on Friday. The robbers managed to make off with 6 R4 rifles and multiple magazines.
So how did these brazen criminals pull it off? They reportedly forced the guards into the base and then overpowered another five men in the armoury room, they even managed to force the guards to open a weapons safe.
Brigadier-General Mafi Mgobozi (SANDF spokesperson) spoke to IOL to confirm the robbery and comment on the investigation.
"We can confirm that the incident happened and an investigation has been launched. Until we get a preliminary investigation report we can't say for certain what really happened."
EWN reports that as of Saturday morning no suspects have been arrested by SAPS officials in connection with the robbery.
Once the news started spreading on social media, let's just say South Africans were rather amazed by it all, and not in a good way…
Senior radio host Redi Tlabi summed up our feelings perfectly: "Ja ne"
Soldiers held up, robbed of their rifles at Khayelitsha military base….ja né….
— Redi Tlhabi (@RediTlhabi) April 14, 2017
Aside from being furious with the leadership, other South Africans pointed out that another SANDF base was also targeted in the last year, something fishy going on?
Military base in #Khayelitsha robbed, a drastic change in leadership is needed or this country be closed for good
— Zola Lasmisi?? (@zola360degrees) April 15, 2017
We have a 2nd robbery of arms at the military base in a space a year. 1st in PTA, 2nd in Khayelitsha. This isn't just robbery
— Kalahari Mgibisa (@KalahariHD) April 15, 2017
Even new Minister of Police Fikile Mbalula was in the firing line.


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John M. Garofalo, MDRequest Appointment
John M. Garofalo, MD
John M. Garofalo, MD
Norwalk (Main Office)*
Languages: English Spanish
Patient Satisfaction Ratings
- Friendliness and Courtesy: 97.8
- Concerns for Worries: 99.0
- Likelihood of Recommending: 99.3
- Confidence in Provider: 95.7
- Office Staff Teamwork: 100.0
Scores are representative of patients surveyed by Press Ganey in 2020.
*Provider may not practice at all locations.
Learn about this provider.
Dr. Garofalo has a long history of early adoption of new but proven technologies. He was the first gynecologist in Fairfield County to provide in-office ultrasound, amniocentesis, first trimester genetic diagnosis, hysteroscopic surgery, and advanced laparoscopic surgery. Dr. Garofalo is also one of the first gynecologists in Fairfield County to be certified on the da Vinci® Surgical System.
Dr. Garofalo's merits in operative laparoscopy and operative hysteroscopy have been recognized by the Council of Gynecologic Endoscopy (CGE), having been recently selected for the Registry of The Council of Gynecologic Endoscopy.
Dr. Garofalo is married and has four wonderful children. He resides in Norwalk, Connecticut.
- Beth Israel Medical Center 1979-1983
New York, New York
- New York State 1981, No.144610
- Connecticut 1983, No.024558
- New York Medical College 1979
Valhalla, New York
Doctor of Medicine
- New York University 1975
Bachelor of Arts/Biology
- Diplomat of the American Board of Obstetrics & Gynecology
- National Board of Medical Examiners
- American College of Obstetricians & Gynecologists
- American Medical Association
- Fairfield County Medical Society
- Connecticut State Medical Society
- American Association of Gynecological Laparoscopists
- American Institute of Ultrasound in Medicine
- The American Urogynecologic Society
- Council for Gynecologic Endoscopy
Hospital Appointments
- Associate Director of Gynecology of Norwalk Hospital
- Senior Attending, Norwalk Hospital
- Norwalk Hospital Quality Improvement Committee
Find out what patients are saying.
I can't begin to tell you how reassured I felt from the time I walked in, until I left! Dr. Garofalo and his staff are the best!
I have been to a few ObGyn doctors, but Dr. Garofalo is the best that I have ever been to. He genuinely cares about your well-being, and makes sure that you get the best treatment possible.
Dr. Garofalo is an outstanding doctor. I have complete confidence in his care. He has always been the ultimate professional. He shows genuine care and concern for his patients' well-being.


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Are you looking for GED® testing in Murray ID? The examination is only offered in person and not online. Usually in order to take the exam the test taker must be older than 17 years old. The GED® testing cost in the state of Idaho typically varies from $40-$90.
The GED® exam covers five topics: language arts (reading), language arts (writing), mathematics, science and social studies. Each test awards a score between 200 and 800. Many states require students to get a score of 410 on each of the five tests and an average of 450 for the exam to pass.
Most GED® testing in Murray ID is offered at:
- Murray High Schools
- Murray Community Colleges
- Murray Independent School District
- Murray Adult Education Centers


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Ministry-Accredited Full-Time Social Media graduate certificate program. 8 months. Flexible Fri/Sat classes. Connect with the future. Now.
17 yrs Business Development & Education in healthcare; now supports single moms & youth. Mentoring, leadership, nonprofit. Founder of @WeMetIRL Partner @theALSC
@Debbie_h2o ❤ Social | Google+ Hangouts on Air #producer for hire | Creator #SparkleSOS Book Authors & Publishers; #SCANDAL Spin Aftershow G+ HoA #SCANDALspin
Co-founder @Fides_Social. A dreamer. Passionate about entrepreneurship & marketing, social media addict, die-hard fastball player, yogi, & chow chow owner!
TEDx Speaker. SheEO. Named by HuffPost as a Top 50 Health Tweeter. Host of TV Healthy, RPTV on Rogers Channel 10. Lifestyle Cheerleader. Healer. Author. Love.
Urban farmer, kitchen scientist, yarn pack rat, fabric stasher. Community / social media / communications for OCAD University. Tweets be mine.
Community Manager @MaRSDD. Creator & curator of all things #innovative #tech #startups. Writer/blogger & overall people connector.
eCommerce Program Manager @Rebellion_Media. Passionate about community + addicted to @magento. Part of the @myCMGR team. Making an impact @BellaMinds. ENFP.
Social media enthusiast, communications geek, New Yorker, news junkie. (This is my personal Twitter acct. My work Twitter handle is @StephYFinance)
Speaker | Trainer | Culture Catalyst | Connector | Re-Inventing Workplace | Social HR | Innovative HR | #impact99 Producer | Love adventure, wine, dog, ideas
Community & Brand Manager @MiscStudios, @KWOktoberfest Volunteer, gamer and huge @MapleLeafs fan
I'm a Social Instigator that will spur conversation at any moment. Co-Founder of @DevTO / Blog-Goer / Member of Red Cross Twitter team / Organizer of #RegiftTO
Co-author of Influence Marketing http://t.co/xAmmuYi8Bh | Partner at Sensei Marketing | HuffPo Contributor | Rutgers CMD MBA faculty | #bizforum debate mod.
Digital Media Expert. Elephant Hunter. Community Engager & Builder. Shift Disturber. Intrapreneur. Speaker. Teacher. Mgr, DigComm @MaRSDD http://t.co/pliHEL3vqV
Communications professional on the lookout for great ideas. Broken Penguins book blogger.
Director of Community for @HuffingtonPost - I build communities, not networks - #cmgrhangout Fri 2pm ET: http://t.co/p0XdfDZS9I - #cmgrUN #TChat #cmgr
Anti-drama queen fighting crime in a future time. Also social media strategist, writer & community manager. Working on delicious things at @Orderit & @FoodSpun
Futurist. Future of Work. Advocate for the Human Spirit. Chief Instigator. Connector. Former Chief Strategist Cisco Canada.
Marketing Prof (all tweets are my own/RT≠endorsement); founder of ethnicomm inc; strategy consultant; exp. speaker; Dad #usguys


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Arsene Wenger confirmed that Ivorian attacker Gerinvho is closing in on an exit from Emirates Stadium with an agreement on the horizon with a club (most likely Italian outfit Roma) however fellow out-of-favour forward Nicklas Bendtner is nowhere near securing a move away as the Arsenal boss looks to remove unwanted first team players.
The Gunners fought back to a 2-2 draw in Saturday's Emirates Cup fixture against Napoli, and after the match Wenger revealed plenty of the goings on around the club transfer-wise but the overwhelming worry still lingers that the squad will be even thinner come September 1st with no new signings close. However the Frenchman is a very secretive man.
Marouane Chamakh could also be potentially off the Gunners books in the next 24 hours and follow the likes of Denilson, Santos, Squillaci in leaving the north London club this summer, while Gervinho's exit looks imminent after two undulating seasons in red and white.
Wenger revealed in his post match press-conference (see here for the full transcript):
[on transfer negotiations] When you want to buy any player you need the agreement of the club and the agreement of the player and you need to agree a price. So you need three agreements. It is like you go to your neighbour and say: 'I want to buy your house, so get out tomorrow morning.' He will not be necessarily happy about it.
We have to focus on the players that we have. We are not drawn too much into the stories. But I can understand that they are interesting for people who love football, but it is not the most important in the game.
Don't Miss:
- Arsenal reportedly weighing up prospect of re-signing in-form goalscorer
- Recently departed Arsenal star reveals he's living his 'dream' at new club
- Mesut Ozil remains defiant over future but slams Arsenal for lack of loyalty
We will treat every transfer with the rules we have always followed and in a fair, respectful way. That is our club. Other clubs do it differently and that is their problem. But we are completely faithful to the values we think are important here.
[on winning the title] I am confident. Why should I sit here and say to you that we can absolutely not win the title with the players we have?
[on players possibly leaving] Gervinho we are at the moment close to an agreement with a club where he should go. Bendtner we are nowhere. At the moment he is completely here. Chamakh might go somewhere, it will be decided in the next 48 hours. [They are] permanent moves.
[on Napoli] I think they are a very good side. Very well organised. I like what they did in midfield. You could see that this team plays for a few years together. Hamsik was especially dominant in the first half. They gave us big problems there. Overall they are compact, united and a very well-organised team that is very good.
[on extending Bacary Sagna's contract] We will try to extend Bacary Sagna but we are not close to an agreement.
[on making a bid for Luis Suarez] I never said we have made a bid to Liverpool, now I can tell you we have made one, so at least that is some information. All the rest, I would like to keep to us. If we progress in that situation, we will inform you. At the moment, that is where we are.
Wenger's secretive transfer approach is certainly a smart way to operate however frustrating it may be for Gooners. Gazidis' PR stunt at the end of last season did little to help our negotiating team when he declared that we can afford someone of Rooney's stature as naturally other clubs and players will hold out for more money, just like City splashing unnecessary millions because clubs can milk them for all they are worth.
The news that Gervinho is nearing an exit is very positive, he has failed to live up to expectations and has continually frustrated despite glimpses of brilliance. The Ivorian ends just a short two year stay with the Gunners and it will pave the way for youngster Serge Gnabry to become more involved in the squad. Wenger has plenty of faith in the 18-year-old.
Chamakh similarly to Gervinho has failed to perform at the highest level in England despite dominating in France before a move across the Channel. Yet another piece of the 'deadwood' is nearing an exit, and hopefully something can be sorted soon as it will provide even more pressure for Wenger to reinforce the frontline. Bendtner is just a lost cause, and it seems like his own doing after pricing himself out of moves away. He can do a Squillaci and train with the Reserves next season.
Sagna's contract is another issue that needs to be addressed soon, the 30-year-old's current terms end next summer and Wenger will be keen to tie him down to a new deal. He looks set to play another integral role in the sides backline this season, not only as the first choice right back but also as cover centrally.
What are your thoughts on Wenger's press conference statements? Certainly a bit of substance from the usual Wenger-talk..


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Light Blue V Neck Cold Shoulder Ruffles Decor Slit Maxi DressSKU: 031726
DescriptionThink you can cut it among fashion heavyweights? Well, if you can pull off this dress, we'll believe it. It features cold shoulder, ruffles decor, v neck and solid color.
Fabric: Polyester
Neckline: V Neck
Sleeve Length: Short Sleeve
Dress Length: Maxi
Embellishment: Slit
Pattern: Solid Color
Style: Sexy
Size Chart(Inch) S M L XL XXL Back-length 52 52.8 53.5 54.3 55.1 Bust 26 27.6 29.1 30.7 32.3 Waist 32.3 33.9 35.4 37 38.6 Size Chart(CM) S M L XL XXL Back-length 132 134 136 138 140 Bust 66 70 74 78 82 Waist 82 86 90 94 98
The dimensions data from the measurement of the product, "click here" to see the measuring methods details, and allow 1-2cm (0.4-0.8") differences due to manual measurement, thanks.
Actual fabric colors may vary slightly from online colors due to variations in screen color settings.
30 Days Return + Shipping PolicyShipping & Delivery
Receiving time = Processing time + Shipping time
Note: In orders with more than one item, the processing time will be based on the item with the longest processing time.
We will prepare your order after it have verified. Such as: strict quality control, arrange the suitable carriers.Return Policy
Return within 30 days from the delivered date.
1. Items received within 30 days from the delivered date.
2. Items received unused, undamaged and in original package.


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Cowlitz County Community Network
Board Meeting
May 15, 2019, 11:30 – 12:40PM
Present: Board members Kay Gunter, Tiffany Ames, Louise Brown, Tim Krueger, Ray VanTongeren and Sharon Weinhold, Coordinator. Guest was Amanda Davis, Cowlitz County Health Department.
Excused: Olivia Aumiller, Pastor Megan Filer, Michael O'Neill
Unexcused: none
Quorum: Yes
Welcome and Introductions: Kay welcomed the Board members and guest. Introductions were made around the room.
Additions to the Agenda: None
April 17, 2019 Minutes: The Board meeting minutes were sent to Board members for their review prior to the Board meeting. The ten actions listed in the meeting minutes were reviewed and discussed. All actions were completed.
Motion to approve the April 17, 2019 Network Board meeting minutes as presented: Ray; second: Tiffany. The vote was unanimous and the motion carried.
Grant Status Report / Budget Update:
Current Grants Status:
-Financial Literacy Training ($10,000). This funding for Financial Literacy Training will be available for one year through June 30, 2019 and can be used for training at-risk youth and families who live in poverty or have very low incomes, are homeless or at risk of homelessness, or are financially vulnerable. Numerous trainings have been completed and other training opportunities are being pursued. Amount expended through April 30, 2019, $8,720; amount reimbursed, $8,088.
-Behavioral Health Grant Help for At-Risk Youth with Behavioral Issues in Child Care ($27,000). This funding was approved on August 29, 2017 and is available through June 30, 2019. The goal of this funding is to help children with behavioral challenges in child care by providing training for child care providers, linking the children's families to resources that can help their children and the family, and offering technical assistance for child care providers who serve children with behavioral challenges. Amount expended through April 30, 2019 is $24,694; amount reimbursed is $23,431. The Network also received funding from the Community Foundation of SW Washington and Weyerhaeuser Community Giving Fund to expand on the training opportunities to help children with behavioral challenges and provide resources for child care providers and families.
-Draw the Line ($750). This funding will be used to host one Town Hall Meeting to Prevent Underage Drinking event within the 2019 calendar year.
ACTION: Reach out to Youth and Family Link and others to see if they are interested in partnering on a Draw the Line event. (Sharon)
Approval of Expenditures:
The Itemized Voucher amounting to $3,000.00 was presented to the Network Board for review and approval. The bills presented were:
Invoice #2019 6T Cowlitz County Treasurer, April payroll/processing $3,000.00
Payroll for the period April 1, 2019 through April 30, 2019 was $2,507.56, which includes the cost of the payroll and associated employer costs. Payroll processing charges were $53.29. As of April 30 2019, the balance in the checking account used for payroll and payroll processing was $986. All other Network funds are held with the Cowlitz County Treasurer's Office.
Motion to approve the voucher as presented: Tiffany: second Louise. The vote was unanimous and the motion carried.
2018 Financial Report. The Network's 2018 Financial Report was submitted to the State Auditor's Office on May 10. The Financial Report was presented along with a Revenue and Expense Trend Analysis for the last 5 years. There was good discussion on the financial status of the Network as compared to prior years.
Funding Opportunities.
-The Network submitted applications to Cowlitz County Health and Human Services to continue the Financial Literacy Training for one additional year and the Behavioral Health funding for two additional years. The applications were submitted on May 1. According to the stated timeline, the request will be reviewed and a notification letter will be sent in May.
-The Network was invited to join the Thrive regional workforce partnership to pursue $1.5 million in training resources through the Economic Security Department's Economic Security for All grant program to support implementation of a model program for poverty reduction in the South Kelso and Highlands neighborhoods. The program will expand and streamline the local partnerships between community members, employers, economic development, workforce development, community college, training programs and community-based organizations to improve economic mobility in Cowlitz County's most impoverished communities. The grant seems to be a nice fit with the Network's Financial Literacy training and Behavioral Health training to address trauma, behavioral health and other barriers. After discussion and questions, the Board agreed that this is a relevant opportunity for the Network and should be pursued.
Motion to approve partnering with the Thrive team to work toward reducing poverty in the South Kelso and Highlands neighborhood as presented: Ray; second: Louise. The vote was unanimous and the motion carried. Kay Gunter, Vice Chair, signed the letter of support to be submitted with the gran application.
ACTION: Transmit the signed letter of support to partner with the Thrive team to work toward reducing poverty in the South Kelso and Highlands neighborhoods. (Sharon)
Financial Literacy Training:
Grant Details. The Financial Literacy Grant funding provides training for at-risk youth and families who have very low incomes, are homeless or at-risk of being homeless, or are financially vulnerable. The training topics can include Bank on It, Setting Financial Goals, Borrowing Basics, Saving for Cars/College/Housing and more depending on the audience. The plan is to conduct five training series and five other financial literacy trainings and reach 200 at-risk youth and families.
-To support Lower Columbia CAP, the Network participated in a Financial Literacy reading program on April 22 at St. Helens Elementary School. The goal is to get children thinking about money management.
-The Network presented Financial Literacy training to 24 STEPS program students and staff on May 2. There was good interest and great questions and comments about spending money, reducing expenses and saving.
-The Network has been invited to participate in a Poverty Simulation on June 13. The simulation is a wonderful learning experience for those working with or teaching people with low incomes and gives a perspective that can improve relationships with those we serve. The Network has expressed interest in volunteering for the simulation. More details will follow.
ACTION. Share details of the Poverty Simulation with Board Members. (Sharon)
ACTION: Continue to seek opportunities for Financial Literacy Training. (Sharon)
Behavioral Health Grant:
The Behavioral Health Grant funding provides technical assistance and training for child care providers who serve children with behavioral needs, and offers training and resources for family members who have children with behavioral challenges. The plan is to reach 2,000 children and 200 child care providers in child care centers and home care in Cowlitz County and to improve the ability of the child care providers and family members to meet the special needs of these children.
-The Network in partnership with Head Start formed a Conscious Discipline book club in response to childcare provider requests to continue the conversation on Conscious Discipline. The book chosen for the book club is Conscious Discipline Building Resilient Classrooms by Dr. Becky Bailey, a world renown early childhood educator and developmental psychologist. The book club meets every month. Eight meetings have been held to date; the ninth and final meeting is scheduled for May 21. Certificates of Completion are ready for distribution; STARS and Professional Clock Hours have been awarded to those who participate. A feedback survey has been prepared to determine what went well, what could be improved, and whether there is interest in reading another book beginning in the fall.
-Conscious Discipline training was presented to Wee Care Day Care directors on May 2. The training was well received.
-Conscious Discipline training was presented to the YMCA day care/after school staff on May 10. There was good conversation and interest.
ACTION: Continue to seek opportunities for Conscious Discipline Training. (Sharon)
Family Event:
-This event for families, "Conscious Discipline Training for Families, Strategies for Working Successfully with Children" was held on Saturday, May 4, 12 to 3pm at Youth and Family Link. The training provided information, strategies and techniques that will help prepare children for success in school and later in life. Thirty people were present for the training.
-After opening remarks, there was a presentation about Conscious Discipline, the relationship between the brain and behavior, and techniques for building safety, connection and problem solving. Next, there were three presentations by Book Club members who selected topics that resonated with them and they thought families should know about. The topics were Noticing, Empathy and Choices. This was followed by café style conversations that addressed three questions related to the resources available to them, child care support and their role as a parent.
-Feedback on the event was excellent, with the feedback survey results showing mostly all of the attendees responded that they were very satisfied with the event, learned a lot and would like more training in the future. All said they learned something new that they plan to use at home with their children.
ACTION: Present the Family Event results at the Community Charter meeting. (Network)
Community Charter Meeting: The Community Charter meeting is scheduled for Thursday, June 6, 1:30 – 3pm in the County Administration Building, 3rd floor meeting room. The tentative meeting agenda:
Reaffirm Purpose of Community Charter
Review Identified Needs of the Community (some from Family Event)
Workshop with Questions
How do you see the issues/needs relating to at-risk youth & families?
What can the Community Charter group do to address these issues?
Report out and Prioritization
Celebrate Charter Successes and Commit to Continuing Work
ACTION: Send meeting notice to invite Community Charter members. (Sharon)
ACTION: Prepare handouts/materials for Community Charter meeting. (Sharon)
Review/Feedback on Events:
-Run the Path, May 4, 8:30-11am, Lake Sacajawea. During the event, a dozen new families signed up to receive Behavioral Health best practices and received Behavioral Health and Financial Literacy information.
Upcoming Events:
-Conscious Discipline Book Club, May 21, 6:30pm, Head Start
-Poverty Simulation, June 13, 8am-1pm, Family Health Center
-Early Learning Conference "Deep Dive Into Early Learning," Oct 5, 8–4pm, LCC
ACTION: Reach out to Youth and Family Link and others to see if they are interested in partnering on a Draw the Line event. (Sharon)
ACTION: Transmit the signed letter of support to partner with the Thrive team to work toward reducing poverty in the South Kelso and Highlands neighborhoods. (Sharon)
ACTION. Share details of the Poverty Simulation with Board Members. (Sharon)
ACTION: Continue to seek opportunities for Financial Literacy Training. (Sharon)
ACTION: Continue to seek opportunities for Conscious Discipline Training. (Sharon)
ACTION: Present the Family Event results at the Community Charter meeting. (Network)
ACTION: Send meeting notice to invite Community Charter members. (Sharon)
ACTION: Prepare handouts/materials for Community Charter meeting. (Sharon)
Next Meeting: June 19, 2019
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After several weeks of procuring and fine-tuning the new recumbent bike I finally picked it up from the dealership last Friday. A few parts had to be replaced, including the front disc brake, but now the bike is in pretty good shape.
Today I went for my first real test-ride up North along Jupiter Island to Hobe Sound. Here is a little video-clip after my first hour on the recumbent:
As expected, the position is comfortable, but different from what I'm used to; different muscles are used and so it will take some time to fully get used to the supine seating position. Also for first-time recumbent riders like me it takes time to get used to the rather iffy and nervous handling of the bike, especially when riding with only one hand. Also, slow riding and tight turns require much more attention than on a regular bike – I hope I will still get more used to this.
There are still a few things I will need to tune to get an optimal experience:
There will likely be a couple of other things, but I consider this a promising start.
I'm also testing some other equipment today, as I'm uploading photos and videos as well as writing this Blog post on my Dell Mini 9 Netbook from Hobe Sound, courtesy to the free wireless Internet of its library which I found using the WiFi Finder on my iPhone … (The library is actually closed on Mondays, but the wireless still works
Now back on the road for some more training and test miles!


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Playing tracks by
Claude vonstroke, Tiga, Michel Clies, Loco Dice, Luciano, Spencer Parker, Matt Tolfrey and Mark Knight, Mark Broom, Tim Green, Dubfire, Radioslave.
Well its Halloween at the end of the month and I have recently recorded a live set over the weekend at a private after party with spooky creepy theme/choons similar to the last STRICTLY CLASS A mix with the finest minimal tech house/groovy techno (with a sprinkle of commercial vox ;-) so just click on the pic below (the grim reaper ;-) to download GRIM REAPER HALLOWEEN and turn it right up !
Last but not least, don't forget to catch me at the THAT (The House and Terrace Club) on Sat 17th October (Night Time Education) and also back at the Scala, Kings Cross next month plus a secret gig on Halloween night at the end of the month so get in touch for more details or check out my fan page on facebook (www.facebook.com/djchewy)


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Dear Survey123 community,
Is there any way at all to disable attachments from a feature layer view?
I'd like to make a road closure map for the public from data we receive from consultants regarding road closure applications. These applications comprise of information regarding road closures and engineering drawings (with IP attached to it).
So, I'd like to make a feature layer view of these applications, with sensitive info and all Attachments removed before sharing it with the public.
I have successfully managed to disable all sensitive fields. But, I'm having trouble hiding attachments.
Is there any way to get around this?


text:
With Hannah, the waiting lasted 9 long and seemingly eternal months. There was times that my anxiety was so high that I was sure my heart would stop beating due to the tightness of my chest and neck. However, finally the call came and travel plans were made. Then we had to wait 2 of the longest weeks of my life for the date of our departure to Ecuador. We had only seen two picture of Hannah, but we were in love. Our trip to Riobamba, Ecuador was exhausting and a story of its own, and when we pulled inside the gates to our hotel at 7am, we had been traveling non-stop for 30 hours. The taxi driver named Patricio told us that due to arriving so much later than planned, we could get cleaned up and settled in, and he would take us on to the orphanage. We tried to not let our excitement show too much, but our luggage was inside and we were back in the taxi before Patricio had returned from the restroom! (We did look in the shower and decided that we were still cleaner than it was.) The drive to the orphanage seemed forever, but I timed it so I know it was actually 12 minutes....until our wait was over.
With David and Vanessa, the wait was 26 months. Words cannot describe how long those 26 months were! I was determined to follow Philippians 4:6, "Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be made known to God." I tried and I prayed. I REALLY tried and REALLY prayed, but my anxiousness to have my children with me was reducing my patience with others. Each month our children in the pictures grew. Each year that passed, their need for the loving stability of a family...our family....was more evident.
One day I was having an exceptionally BIG pity-party. I knew no one must be as worried or longing for their children as much as me, and I had let my resentment stall my devotion time until mid-morning. Reluctantly, I began my devotion time by reading Ephesians 1, and immediately verses 3 through 5 jumped off the page and into my heart. There it was! Who had waited longer?! He had! Why hadn't I realized it before! I read the beginning of verse 4 again, "According as he hath chosen us in him before the foundation of the world". God had waited for a relationship with me since "the foundation of the world". God had waited for me to seek His forgiveness and be made holy through Christ Jesus so that I could be in His loving and perfect presence. In fact verse 5 said so that I could be adopted into His family through Christ!
|Photos of the end of some of our waitings.
All my life I had known John 3:16 and that God loved me, BUT I was 34 years old before I realized that He had lovingly waited for me from "the foundation of the world"...before He even formed me. I was humbled. For the remaining year of our wait, I had confidence that God understood my desire to have my children home, and I turned my prayers towards thanking Him for waiting for me and asking Him to prepare our home and to prepare our children for our future together. God answered these prayers. David and Vanessa had a remarkably easy transition into our family.
I'll never understand why adoptions must involve so much waiting. The feelings of discouragement and the doubts that the adoption will ever happen can be overwhelming. However, I do know that God knows more about perfect love and waiting than me. I pray constantly for our friends who are waiting and for the protection of the children who are waiting for them. I pray for the preparation of their new home physically, mentally and spiritually. If you know someone waiting on an adoption, please pray for them. And if you're waiting on an adoption or anything else important to you, please take comfort in knowing that God understands waiting from "the foundation of the world".
If you would like the readers of this blog to pray for your adoption process, then please leave your first name and any specifics that you would like prayed on your behalf AND by all means update us when your wait is over.
According as he hath chosen us in him before the foundation
of the world, that we should be holy and without blame
before him in love: --Ephesians 1:4
And therefore will the LORD wait, that he may be gracious
unto you, and therefore will he be exalted, that he may have
mercy upon you: for the LORD [is] a God of judgment:
blessed [are] all they that wait for him. --Isaiah 30:18


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Rising Tech In Travel
FET Open funds and helps early-stage, science and technology analysis by consortia exploring novel ideas for radically new future technologies that challenge present paradigms and enterprise into the unknown, with the aim to generate genuine societal or financial innovations. One of many challenges on the subject of emerging technologies is to understand applicability to a business downside or opportunity. eleven, 2017, and will evolve with the technologies and packages within it via contributions from federal companies, personal business, and anybody involved in promoting rising citizen technologies. Most international locations are clearly attempting to harness advances in rising technologies and these are being nicely built-in in national analysis strategies (Desk 9.2). They respond to those developments in a myriad of how.
In keeping with Christopher Pappas, as acknowledged in the article Huge Information in eLearning: The Future of eLearning Business, Large Information, in terms of the eLearning business, is the info that's generated by learners whereas they are taking a coaching module or an eLearning course. Finally, countries see the event of emerging technologies more by way of an eco-system than in terms of primary analysis.
In his position, Alessandro leads Crimson Hat in helping banks within the go-to-cloud journey, adopting …


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Maybe a cold is coming on.
Fortunately I'm not hosting Thanksgiving.
I don't feel bad enough to not enjoy this time doing nothing, though. :)
Shiloh and I are sitting in the den together.
He's on the floor, I'm in the chair.
And I'm thinking of gratitude.
The whole idea of giving thanks is good.
I vividly remember decades ago when I went and visited my twin sister in her freshman dorm room, which she shared with Connie from San Marcos. Peggy and I lived in the same dorm - I was in the last room on the fifth floor of Collins and Peggy was in the first room on the sixth floor in Collins (one story apart - and clear across the building). We each got 'potluck' roommates... and we each liked them ... and we realized it was to our advantage to not be right next door to each other.
Anyway, I went way over to Peggy's room to say hello one afternoon... and there were Connie and Peggy making thanksgiving lists. (I don't think it was close to Thanksgiving.)
It seems they had been kind of stressed with classes and a little down in the dumps because of the stress and one of them (I'm thinking Peggy, since she was a pretty happy person, usually) suggested they each take out a yellow tablet and start listing things for which they were grateful.
They did it silently... then compared notes.
And I walked in as they were comparing those notes.
It was WONDERFUL!!!
They had written things like: running water; vending machines; the fact they didn't bite their nails; their warm, comfy beds; getting accepted to Baylor; each other; their parents; the blue sky; that they didn't have to wear braces on their teeth or their legs; their ability to read and write and type; the workers in the cafeteria, living in Texas, Dr. Pepper, etc., etc., etc.
The three of us were smiling and laughing and thinking of more blessings.. and more and more.
It's amazing how often I've thought of that day.
And it's amazing how gratitude can start to spark a dim moment with some light... and happiness.
Hmm. I'm feeling more Pollyanna-ish.
By the way, Wikipedia has an entry for POLLYANNA and one for the POLLYANNA PRINCIPLE.
Now that's interesting.


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Create MotorsportReg.com Account & Add Your FSC Chapter
In order to vote in the upcoming elections, you must have a MotorsportReg.com account and it must contain your BMWCCA Chapter membership. This a step by step tutorial on how to Create an Account and Add BMWCCA Club Membership to it.
If you already have an account, you only need to add your club membership to it. Log in, go to edit profile and go Step 6. You will need your BMW CCA Membership # so make sure you have that handy.


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New Zealand-based grower Enzed Exotics is encouraging consumers to include kiwano in their Cinco de Mayo festivities.
The company has partnered with Instagram influencers and will also be doing giveaways as part of the campaign, according to a news release.
"Kiwano pulp can be stirred through fresh salsas, salads and guacamole to add flavor, without adding extra salts or fats," owner Vanessa Hutchings said in the release. "In the same way it can be used to add freshness to grilled meats and fish, or add interest and texture for taco toppings.
"What's more, it's a fun fruit with loads of personality," Hutchings said. "Mexican food is all about celebration, flavor and color, and with the kiwano's bright green pulp and vibrant orange skin, it's got that in spades."
The company describes the fruit as complementary to traditional produce items used in Mexican cuisine, including tomatoes, avocados, chiles, limes and corn.
"Kiwano will be a real eye-catcher in a store's Cinco de Mayo produce display," Hutchings said.
The hashtag for the online campaign will be #kiwanofiesta.


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Sean Hannity is a bold faced liar!
When it comes to Benghazi (okay, and everything else) Sean Hannity has no problem lying or leaving out facts that better put things in context. He has no problem calling Press Secretary Jay Carney a liar or political hack even while he is on air lying. I mean how can this happen with his crack (as in they are actually on crack) team of researchers.
Let's dive into this.
Hannity has repeatedly stated the US forces were told to stand down on both his radio and talk shows. There is just one huge problem.
There was no "stand down" order given during Benghazi attack. Republicans own report from the Republican dominated House of Representatives states so:
V. There was no "stand down" order issued to U.S. military personnel in Tripoli who sought to join the fight in Benghazi. However, because official reviews after the attack were not sufficiently comprehensive, there was confusion about the roles and responsibilities of these individuals.
Don't take my word for it, read it for yourself: http://armedservices.house.gov/index.cfm/files/serve?File_id=C4E16543-8F99-430C-BEBA-0045A6433426
When it comes to putting things in context Hannity completely leaves out relevant facts such as:
Ambassador Stevens twice said no to military offers of more security, U.S. officials say. Read more here: http://www.mcclatchydc.com/2013/05/14/191235/amb-stevens-twice-said-no-to-military.html
Benghazi attack followed deep cuts in State Department security budget: http://www.washingtontimes.com/news/2012/sep/27/benghazi-attack-followed-deep-cuts-in-state-depart/?page=all
Now this is the United States and Hannity has the right to lie. My question is why is allowed to lie and misrepresent facts on a channel with "News" in it's title?
George Cook AAReports.com


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Platform: PC
Developer(s): Cosmi Corporation
Publishers(s): Cosmi Corporation
ReleaseDate: 1994-01-01
Players: 1
Co-op: No
This side-view action-arcade style game puts you into the pilot seat of a World War I British fighter plane. You are up against Manfred Von Krashenbern and his Flying Circus. You will engage in various missions including patrolling the front, intercepting enemy bombers and zeppelins, attacking observation balloons, and bombing trains and enemy convoys far behind enemy lines. Your opposition includes enemy fighters patrolling over the front, enemy anti-aircraft guns, and a treacherous bird in a spiked helmet that tries to drop an anchor on your aircraft. This tongue-in-cheek view of World War I air combat is depicted with appropriately cartoonish graphics.
Trailer: YouTube
ESRB Rating: E - Everyone
Genre(s): Shooter | Flight Simulator


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Boston police continue search for man accused of indecent assault
Man connected to one, possibly two assaults
Boston police said they are continuing to search for the man wanted in connection with at least one indecent assault in Brighton last Monday.
Two assaults were reported last Monday, and the description of the assailant in both instances was similar.
The first assault was reported just before 5:30 p.m. Monday in the area of Brighton Avenue and Chester Street, and the victim told police that an unknown man tried to lift her dress.
She said she hit the man and he ran away.
The man was described as white and in his 30s with a thin build, and was about 5 feet 9 inches tall and weighed about 160 pounds. He was last seen wearing a blue shirt, tan cargo shorts, sneakers and sunglasses.
The second assault took place just before 9 p.m. on the same day in the area of 800 Commonwealth Avenue. The victim told police she was walking when an unknown man lifted her dress and grabbed her buttocks.
He then fled.
He was described as white, in his late 30s or early 40s with a slim build, thin, balding hair and was wearing a blue shirt and gray cargo shorts.
Anyone with information about the incidents is asked to call the Boston Police Department's Sexual Assault Unit at 617-343-4400.


text: MarlenesFutureDad 3 Report post Posted February 24, 2008 Please do not buy FIFA 08. I bought it at a Wal-Mart and the game always beat me by 1-2 points. Please don't waste your money on FIFA 08 and buy Gran Turismo 4 instead. Gran Turismo 4 is better because you get to drive actual cars on realistic race tracks. I shouldn't have wasted my money on FIFA 08 and I should have bought some 80s music instead . Share this post Link to post Share on other sites