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Refinance to Remove a Person
Most people are familiar with the various reasons a homeowner refinances their home which generally result in two major benefits: saving interest and building equity.
There is however another reason to refinance which may not be as common which is to remove a person from the loan. In the case of a divorce, when one party wants to keep the home and the other party wants their equity out of the home, it is possible for the remaining party to refinance the home. If the equity is sufficient to justify it and the remaining owner can qualify for the new loan, the refinance can provide the proceeds to buy out the other spouse.
Refinancing to remove a person from the loan could also involve a situation where two or more heirs jointly own a property and have differing opinions on when to sell. The same situation could apply to a rental property with multiple owners and the refinance would provide a way to buy out a partner.
Sometimes, it's not about taking cash out of the home to buy out the other party. If a person's name is on the mortgage, they're responsible if it goes to default. One party may be willing to deed the home to the other party but it doesn't necessarily relieve them of the liability of the mortgage they originated.
Many times, once a person has made their mind to move on, they'll take the fastest and easiest way out. Removing a person from the deed or a mortgage is a reason to consider obtaining legal advice to protect your interests. Refinance Analysis calculator.
Reasons to Refinance
1. Lower the rate
2. Shorten the term
3. Take cash out of the equity
4. Combine loans
5. Remove a person from a loan
The Rules
The profit potential in single family homes for investment has been a consistently good long-term investment. They offer investors the opportunity of high loan-to-value mortgages at fixed interest rates for 30 years on appreciating assets, tax advantages and reasonable control that other investments don't offer.
Last year, Warren Buffett said that if he had a way of buying a couple hundred thousand single-family homes, he would load up on them. Blackstone group L.P. (BX) has now purchased over 30,000 homes and American Homes 4 Rent (AMH) has more than 19,000 for rental purposes.
Individual investors actually have an advantage over the institutional investor but if they are not familiar with rental real estate, some basic rules could be very helpful.
1. Invest now to get more in the future.
Whether it is time, effort or money, the prudent investor is willing to forego immediate gratification for something more at a later date.
2. Real estate is an IDEAL investment.
IDEAL is an acronym that stands for income, depreciation, equity build-up, appreciation and leverage.
3. Invest in single family homes in predominantly owner-occupied neighborhoods at or below average price range.
This strategy should involve homes that will increase in value, rent well and appeal to an owner-occupant in the future who will pay a higher price than an investor.
4. Location, location, location.
The same homes in different areas will not behave the same. You can improve the condition, modify the terms or adjust the price but the location can't be changed.
5. Understand your strategy – buy and sell, buy and hold or buy, rent and hold.
These three distinct strategies involve big differences in acquisition, management and taxation.
6. Know where your profit is coming from before you invest.
The four contributors to profit are cash flow, appreciation, amortization and tax savings. They don't contribute equally or the same in all investments.
7. Profit starts with purchase.
Buying the property below market value builds profit into the investment initially.
8. Risk is directly proportionate to the reward involved.
An investment that has a high degree of upside also will have considerable downside possible.
9. Avoid functional obsolescence unless you have a plan before you buy.
The lack of usefulness or desirability of a home that exists when you buy it will still be there when you sell it. Unless it can be cured, it will affect future profit.
10. Good property + good tenant + good management = great investment.
These are three solid components for a successful investment.
11. Problems left unresolved have a tendency to get worse.
It is generally cheaper in time or money to fix a problem earlier rather than later.
If you'd like more information about the opportunities in our market, contact me.


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Churches Together in Southern Ryedale
The Anglican Churches of Southern Ryedale Deanery look forward to welcoming you. There are eight benefices in the area containing over forty churches and their principal Sunday services are as follows:
Buckrose Carrs -
Rillington:St Andrew
Sunday: contact Churchwarden
Scampston: St Martin
Sunday:contact Churchwarden
Sherburn: St Hilda
Sunday: Holy Communion – 9.15 am (1st&3rd), 10.45 am (3rd), Morning Prayer – 9.15 am (4th)
Thorpe Bassett: All Saints
Sunday: Contact Churchwarden
West Heslerton: All Saints
Sunday: Holy Communion – 10.45 (3rd summer), 09.15 (3rd winter)
Yedingham: St John the Baptist
Sunday: Holy communion – 10.30 (3rd)
Harton -
Bossall: St Botolph
Sunday: rota
Buttercrambe:St John the Evangelist
Sunday: rota
Crambe: St Michael
Flaxton: St Lawrence
Sunday: rota
Foston: All Saints
Sunday: rota
Gate Helmsley: St Mary
Sunday: rota
Howsham: St John
Sunday: rota
Sand Hutton:St Mary
Sunday: rota
Upper Helmsley: St Peter
Sunday: rota
Whitwell: St John the Evangelist
Sunday: rota
Howardian Group -
Bulmer: St Martin
Sunday: Holy Communion – 09.00 (1st), 10.30 (3rd), Morning Prayer – 10.30 (3rd), Evening Prayer – 18.00 (4th)
Dalby: St Peter
Sunday: Holy Communion – 08.30 (3rd), Morning Prayer – 10.00 (4th), Evening Prayer – 15.30 (Nov-
Huttons Ambo: St Margaret
Sunday: rota
Terrington: All Saints
Sunday: Holy Communion – 10.30 (1st), 09.30 (3rd), Morning Prayer – 11.00 (2nd), Evening Prayer – 18.30 (4th)
Welburn: St John the Evangelist
Sunday: Holy Communion – 08.15 (2nd), 09.30 (4th), Morning Prayer – 09.30 (1st), 11.00 (3rd)
Malton and Old Malton -
Malton: St Michael, Market Place
Sunday: Holy Communion -
Old Malton: St Mary' s Priory Church, Town Street
Sunday: Holy Communion -
Norton -
Norton: St Peter, Langton Road
Sunday: Holy Communion (BCP) -
Street Parishes -
Amotherby: St Helen,
Sunday: All Age Service -
Sunday: (April-
Sunday: Holy Communion -
Coneysthorpe Chapel
Sunday: Evening Prayer – 18.30 (1st) (4pm Nov-
Hovingham: All Saints
Sunday: Matins -
Scackleton: St George the Martyr
Sunday: Evening Prayer/Holy Communion alternate months – 15.00 (3rd)
Slingsby: All Saints
Sunday: Morning Prayer – 10.30 (1st), Morning Praise – 10.30 (2nd) (held in Slingsby Methodist Chapel in winter, alternating between
church and chapel in summer), Holy Communion – 10.30 (3rd)
West Buckrose -
Acklam: St John the Baptist,
Sunday -
Birdsall: St Mary
Sunday: rota
Burythorpe: All Saints
Sunday: rota
Langton: St Andrew
Sunday: rota
Leavening Chapel (Venerable Bede)
Sunday: rota
North Grimston: St Nicholas
Sunday: rota
Settrington: All Saints
Sunday: rota
Westow: St Mary
Sunday: rota
Wolds Valley _ Revd. Andy Bowden
Helperthorpe: St Peter
Sunday: variable
Kirby Grindalythe: St Andrew
Sunday: Holy Communion – 09.00 (4th), Evening – 15.00 (2nd)
Weaverthorpe: St Andrew (www.communigate.co.uk/york/standrewsweaverthorpe)
Sunday: Holy Communion – 09.00 (1st)
West Lutton: St Mary
Sunday: 10.30 (1st)
Wharram le Street: St Mary
Sunday: contact Churchwarden

subset: commoncrawl


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|Sunday, Feb. 5th
Today was a nice sunny day, the snow is still here and still well over 3 feet, it has been a challenge to get up to the apparition hill today but I made it. I took a bunch of photos so there is no need to write much when the photos say it all. I will post them slowly so we do not over load the site.
According to the weatherman, we are to expect more snow through the night and tomorrow, I wonder when will this come to an end? Everybody is talking about the global warming, is this global cooling or is it linked to the global warming somewhere.
A friend sent an email from Australia this morning, telling me that they are having a nice summer weather there and that the temp. is a bit over 95F, it was like a smack on the face after I shoveled for an hour or so.
Short sum of video clips will be up on medj.com, tune in and check them out. Thank you.
|Last Updated ( Sunday, 09 December 2012 )
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Just a short note to tell you all that our little video portal is coming up slowly but shurely. You can follow the progress at medj.com, we will be uploading a video now end then. The latest video will show in the center and the previous videos will be listed on the side. Stay tuned and GOD BLESS.
|The first days
|The visionaries
|Fr. Slavko Barbaric
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I give you the weapon against your Goliath, here are your little stones:
1. Pray the Rosary
2. Eucharist
3. Holy Bible
4. Fasting
5. Monthly confession
"Fly from bad companions as from the bite of a poisonous snake. If you keep good companions, I can assure you that you will one day rejoice with the blessed in Heaven; whereas if you keep with those who are bad, you will become bad yourself, and you will be in danger of losing your soul." - St. John Bosco


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New Zealand vs Scotland Live Streaming World Cup 2015 on Star Sports
Dunedin: Cricket World Cup 2015 6th match match New Zealand vs Scotland match is scheduled to be played at University Oval, Dunedin, New Zealand. The game is planned to begin at Feb 17, 2015 by 11:00 AM local time (22:00 GMT | 03:30 IST). ICC Cricket World Cup 2015 matches will be played from February 14 till March 29, 2015. TV channels telecasting World Cup 2015 New Zealand vs Scotland will be available in our previous post. Check out World Cup 2015 schedule page for other matches.
ICC Cricket World Cup 2015 6th Match: New Zealand vs Scotland at Dunedin, Feb 17, 2015
New Zealand vs Scotland
- Date:
- 17 February 2015
- Match:
- 6th Match, World CUP ODI
- Venue:
- University Oval, Dunedin, New Zealand
- Start time:
- 11:00 local, 03:30 IST
- Umpires:
- SD Fry
NJ Llong
- Toss:
- TV umpire:
- M Erasmus
- Match referee:
- DC Boon
South Africa: N/A
Zimbabwe: N/A
Points: N/A
Player of the match: N/A
Get live New Zealand vs Scotland cricket score with World Cup 2015 results and point-table. New Zealand vs Scotland live streaming. New Zealand vs Scotland live cricket telecast on Official sites.
How to watch ICC World Cup 2015 New Zealand vs Scotland Online?
If you are tried of searching for ICC World cup 2015 Live streaming of New Zealand vs Scotland, no issues you are landed in the right place. Free official web stream the CWC 2015 is planned by ICC in joint venture with star sports network. You will find the list of web streaming of ICC World cup 2015 sites in our previous post.
New Zealand squad
BB McCullum*, CJ Anderson, TA Boult, GD Elliott, MJ Guptill, TWM Latham, MJ McClenaghan, NL McCullum, KD Mills, AF Milne, L Ronchi†, TG Southee, LRPL Taylor, DL Vettori, KS Williamson
Scotland squad
PL Mommsen*, KJ Coetzer, RD Berrington, FRJ Coleman, MH Cross†, JH Davey, AC Evans, HJW Gardiner, RM Haq, MA Leask, MW Machan, CS MacLeod, SM Sharif, RML Taylor, I Wardlaw


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Compare cars side by side to save time clicking backwards and forwards between them.
Maximum number of cars added to compare list.
We need your postcode in order to provide accurate search results.
It is positive to see that the motorcycle market has continued to grow, with dealers reporting a 10.7% increase in registrations in May.
Registrations in May closely resemble the average market increase of 11.3% through the first quarter of 2015.
The 50cc scooter/moped market continued its downward trend with registrations down -14.4% last month. However on a more positive note the 51-125cc market showed a healthy 20% growth – and 13.7% overall increase this year, totalling 16,500 small bikes on the road. A rise in sales of these models suggests that employment figures are improving, as these bikes are generally purchased for commuting purposes.
The 651-1000cc sector also showed a 14.2% increase in May, – 2769 bikes were registered. The year to date growth for this sector is 23%, showing over 11,000 bikes have been put on the road so far this year. These particular models are used mainly for leisure and sport purposes.
Honda and Yamaha were market leaders in May. In third place was Triumph with 915 motorcycles registered in the month. Triumph also led the market in the over 500cc sector – which is where a high proportion of the market growth is.
Value motorcycle brand Lexmoto is now selling higher volumes and recorded sixth position with 604 bikes registered, – indicating strong demand for simple budget machines for new and ex-bikers re-entering the market.
The overall outlook for bike registrations looks positive and is steadily improving compared to previous years. The National Motorcycle Dealers Association (NMDA) are hopeful that the summer months will bring more good news for the motorcycle market.


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deckle edge
- the irregular, untrimmed edge of handmade paper, often used for ornamental effect in fine books and stationery, now often produced artificially on machine-made paper.
Origin of deckle edge
First recorded in 1870–75
Also called deckle.
Dictionary.com Unabridged Based on the Random House Unabridged Dictionary, © Random House, Inc. 2018
deckle edge
- the rough edge of handmade paper, caused by pulp seeping between the mould and the deckle: often left as ornamentation in fine books and writing papers
- a trimmed edge imitating this
Collins English Dictionary - Complete & Unabridged 2012 Digital Edition © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009, 2012


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Good afternoon everyone
Our client is looking for a Marine Protected Area Manager (GIS) . If you are heavily into Marine Conservation and have a passion for GIS then this is the job for you.
Ideally you will have the following:-
•Educated to degree level, preferably in a geography, Geographic Information Systems (GIS) or marine based subject.
•Extensive theoretical and practical experience of GIS and GIS software, preferably ESRI ArcGIS, with demonstrable skills of dealing with large and complex data and delivering innovative GIS solutions.
•Demonstrable experience of working within the Marine Protected Area, or commercial fishing industry.
•Demonstrable experience of liaising with high level contacts and managing and successfully delivering a high profile, multidimensional, cross industry project.
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•Advanced computer literacy skills with working knowledge of how to use of common office software packages such as Microsoft Office for the purpose of presentations and report writing.
•Working knowledge of fishing electronic chart plotter systems is advantageous.
•Requires advanced and well-developed time management and interpersonal skills in order to work to tight deadlines on an individual level and effectively contribute to the success of meeting deadlines for the purpose of team goals.
The role can be based in the North East Lincs area (client preference) or in Scotland. This is will a 2 year fixed appointment position.
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Simon Anson
Simon is an international award winning Architect & Associate at Arup. Leading multi-disciplinary teams, he is known for working collaboratively towards design solutions that merge strategic vision with detail. He believes that societal shifts in the way we work and live provide an opportunity for designers to be an agent of change in future urban lifestyles.
His work includes the award winning Philips Zero Carbon Emissions Building HQ, Shanghai, China – winner of the international '2011 MIPIM/AR Futures Award' & Shortlisted for the '2011 World Architecture Unbuilt Awards'. He also led the team designing the innovative £500M Jaguar Land Rover Engine Manufacturing Centre, winner of the RICS National Regeneration Project of the Year. The concept and strategic design of a low carbon 'designed for manufacture' construction system and housing range, developing an innovative offsite 'future of retail' concept and providing strategic thinking for the City of London's 'Cultural Quarter'.
He has collaborated with clients including Jaguar Land Rover, British Land, Land Securities, Philips, European Investment Bank, Barbican Arts Centre, GSK, ICBC China, Huawei, Saudi Aramco and Laing O'Rourke.
Simons' projects have been published in Architect's Journal, Architectural Review, AD UK, DETAIL Germany & A+U Japan. He has studied at the Architectural Association (AA), London and tutored at the UCL Bartlett, London & Deakin University, Australia.
He is currently leading a multidisciplinary team in the £90M redevelopment of the Grade II listed 1 Finsbury Avenue with British Land.


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In 2007, Gartner reported that the IT industry was responsible for approximately 2% of global green house gas emissions– equivalent to the aviation industry at the time. Since then the
The cloud services explained
Cloud computing is the use of computing resources (hardware and software) that are delivered as a service over a network (typically the Internet). The name comes from the use of a cloud-shaped symbol as an abstraction for


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We all strive to be the best parents we can be. What does "the best parents we can be" really mean, though? It's easy to want to compare ourselves to friends or family who have been through the early stages of parenthood before, but how many of us take the time …Read More »
On the Hunt (for Employment)
In December of last year, I started a new job. It had been a solid 7 years since I had been through an official interview process, updated resume to boot. 7 years. I was overwhelmed, stressed, anxious, and frustrated. And I'll give you some inside information – I work in …Read More »
WGU Nevada Encouraging Adults to Go Back to School with New Year, New You Scholarship
New year, same goal: Go back to school. With the debut of a new scholarship opportunity, WGU Nevada is helping to turn that goal into reality with our New Year, New You Scholarship. No more excuses – time to make the life-changing decision to go back to school. WGU Nevada is …Read More »
WGU Nevada is offering $325,000 in Full-Ride Scholarships for Aspiring Teachers as Part of Statewide 'Teach Nevada' Scholarship Program
Contemplating a career in education, but worried about the potential cost and time of going back to school? WGU Nevada is here to help. Thanks in part to the State of Nevada Department of Education's "Teach Nevada" program, our online, competency-based university is currently offering 18 full-ride scholarships to newly …Read More »
What I Learned
I GRADUATED! No joke, May 12, 2016, I graduated from UNR with a Master's of Science in Nursing! Remember my first day? Here we are… I walked across the stage and was HOODED! Of course, it's more than just the hood, the surreal feeling of completion, and the insanity of …Read More »
Sitting Won't Be The Death of Me
When I chose my college major of marketing, one big deciding factor was that I thought marketing wouldn't require me to sit at a computer all day. It's very ironic that I do 99% of my work at a computer in an office, and I have been for the past decade …Read More »
In quest of the work/life balance
On a Wednesday a couple weeks ago, my son wasn't himself. Lethargic, wanted to be held, and just not his usual happy self. I made the call to keep him home from daycare, although he didn't have a fever and wasn't technically sick. I figured a day at home cuddling …Read More »
Direct Marketing: Social Media Tips for Better Business
I'm a target for direct marketing. It's rare that a week goes by that I'm not approached about hosting one for a friend or an out of touch acquaintance. And when I say direct marketing, I mean the dreaded "pyramid party". It's the one where you feel obligated (to some …Read More »
5 Ways to Grow Your Mommy Network
I was recently at a conference in Las Vegas for "internet geeks" and the topic was networking – as in with people, not computers. Chad Hymas was the keynote speaker. I'll admit, I'm a sucker for motivational speakers. Maybe it's because, as my husband says, I see most things through …Read More »
Rules of the Direct Marketing Party from the Viewpoint of the Sap You're Trying to Sell to
Ah, November, you certainly snuck up on us. The holiday season is now in full ramp, and that means invites to lots of parties. And who doesn't love a party? Of course, there's one type of party invite that always brings me anxiety, and that is the Direct Sales Party. …Read More »


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Massachusetts readers may or may not have heard the latest trucking safety news: Congress has decided to roll back changes made to federal hours-of-service rules implemented in 2013. In particular, Congress has suspended a rule known as the 34-hour restart rule, which had placed restrictions on truckers in terms of how frequently they are able to restart their work week and when they are allowed to take their break.
According to the Federal Motor Carrier Safety Administration website, the 34-hour restart rule required truckers to take 34 consecutive hours of rest after working their maximum number of weekly hours, currently at 70. That break had to include two rest periods between the hours of one and five o'clock in the morning. In addition, the restart could only be used once per week, which was not a restriction under the previous rule.
Since the implementation of the new law in 2013, the trucking industry has opposed the rule because of the burdens it places upon the industry and the lack of evidence for its effectiveness in improving highway safety. After months of urging lawmakers to suspend the rule, the industry was successful in obtaining that suspension over the weekend. The president has reportedly already signed the suspension into law, so truckers are no longer bound to the 34-hour restart rule until further notice is given. Under the recently passed law, the federal government is charged with studying the law's impact and effectiveness on highway safety and the industry's daily operations.
Truck safety is something that should concern all of us, of course. Because of the potential damage large trucks can cause on the highway, truck drivers and their employers have the large responsibility of ensuring they are abiding by federal safety regulations and exercising reasonable caution in daily operations. We will undoubtedly be following developments in the government's findings on the suspended rule, which is an important part of the discussion on truck driver fatigue, so readers can expect to check back for more information and perspective as things unfold.
Source: The Washington Post, "The Department of Transportation wants truckers to sleep more. Congress said no," Lydia DePillis, Dec. 16, 2014.


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Time management
I have no idea where this post will wander. It kind of feels like my more recent days...unorganized, just wandering through each one, trying to fit in as much as possible, before crashing into bed at night. Despite the lovely weather the past few days - I feel a little overwhelmed by life (for no good particular reason), while at the same being underwhelmed by the outcome of everyday. A good analogy -- I was just typing pretty quickly but watching the words form on the screen at a much slower pace. That's what yesterday felt like...and the previous few days too. Hmmn.
As I mentioned in my previous post, I've been struggling in the creative realm. I made a rhino for my daughter and despite the difficulty of creating a rhino out of painted fabric leaves - I FORGOT A HORN.
And, then...there is this shirred disaster:
Any wisdom as to what was done wrong? I've gone back and carefully reread about three tutorials and I did it -all. But, my stitches didn't bunch the fabric together. I moved ahead, as one tutorial said "not to worry! just pull the elastic at the end and make the shirring tighter." No such luck. My elastic is refusing to be pulled, and even breaking when I try to force it. I've spent two whole naptimes on this stupid little shirt that should have been a cinch. The only explanation that I have...is that the tension on my machine is broken?? Or maybe my thread choice was bad? I dunno. Anyway... Somehow, I'm going to make it work out, just because I liked the fabrics. I think I can creatively wrestle the elastic into a shirred mess, that will work for at least ONE wear. For craps sakes.
Do you ever find yourself at a park and absolutely BORED? A self portrait above to describe what I was trying to wrap my mind around, above. I adore being home with my daughter, I really do. But, at this moment - there are so many reports to be written (job), creations to be made (of course), chores (duh), and the day just melts away...while I'm taking pictures of myself at a farmstead.
Balance. I need to create it. Got any tips to end this moaning?
Labels: Kid's clothes, Nonsense


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By Wojciechowski Funeral Home | Posted in: Teichart-Gracan Funeral Home
Lucille M. Pirhalla, 88 of Duquesne, died Jan. 18, 2018. She is the daughter of the late Andrew and Mary Pirhalla. Lucille is survived by nieces Deborah Daley and Kathy Sheley and was preceded in death by her brother Andrew Pirhalla. A funeral blessing will be held Friday, Feb. 16, 2018 at noon at the Teichart-Gracan Funeral Home, Duquesne at Noon with Father Tom Lewandowski.
Originally published February 15, 2018.
Other deaths:
"Cheryl Rogers" || "Janet M. Bicsey"


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1) Vaani Kapoor for Elle India
Elle India's year is off to a bright and sprightly start with their yellow themed cover. Cover star Vaani Kapoor looks timeless and elegant, dressed in an understated yellow dress paired with statement earrings and glowy skin. Seems like she's gearing up for an amazing 2017 as Bollywood's next big thing!
2) Shah Rukh Khan and Karisma Kapoor for Femina
Both SRK and Karisma have the perfect smolder on their respective covers, and show us the power of a good suit respectively. We thought that the cool tones of Shah Rukh's cover compliments the warm yellows of Karisma's cover perfectly! Femina is definitely letting us know that they're here to try all ends of the fashion spectrum this year.
3) Hrithik, Rakesh, Hrehaan, and Hridaan Roshan for Hello
The Roshan boys look absolutely adorable in their matching outfits, and are all smiles for the cover of this month's Hello Magazine. This casual and comfortable cover is giving us some serious warm fuzzier!
4) Shraddha Kapoor and Aditya Roy Kapur for Filmfare
The two costars cozied up for an adorable black and white photoshoot for this month's cover of Filmfare magazine. We think their chemistry jumps right off the page, as we hope is the case with their upcoming film, OK Jaanu!
5) Lisa Haydon and Hrithik Roshan for Vogue India
These two cover stars are absolute body goals on the cover of this month's Vogue, and look amazing in their black figure flaunting clothes. The red accents on the cover add a sexy pop of colour to the otherwise dark and smoky aesthetic. We love it!
Photo Credit: Vogue India, Elle India, Filmfare, Hello, femina
Like this post? Hit the heart to save it to your profile for later!


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Latest news
Science Fair winners visit University of Surrey
Pupils across Lightwater Village School and Hammond Junior School have been getting investigative and embracing Science over the past month.
During the February half term pupils were tasked to design, complete and present a scientific experiment of their choice. The projects were presented at Science Fairs across both schools to which parents were invited to view the amazing display. The school halls were full to the brim with presentations on experiments from sugar in foods to animal behaviour, speed of cars to building structures, and the effects of exercise to chromatography.
One overall winner and nine runners up were chosen at both schools, and these pupils were invited to the University of Surrey on Wednesday 1st March to compete to become the GLF Scientist of the Year. During the day the pupils were shown the University's science department and laboratories and enjoyed seeing all the other experiments.
Karen Ney, Deputy Headteacher, commented 'All pupils did a fantastic job with their experiments and we were thrilled with how well they engaged with this project. The quality of their work was to an exceptional standard, and it has really brought Science to life for many. While none of our pupils went on to win at the University of Surrey we were so pleased with how they represented the schools and many commented on their work and enthusiasm".


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(Photo above | Pixabay)
Our industry specialized teams work across the Pacific Northwest with organizations large and small and from a diverse group of industries. In most scenarios, we are finding that nearly every organization can reap huge rewards from doing some basic industry benchmarking.
What is benchmarking? Benchmarking is the continuous process of measuring products, services, and practices against competitors or those companies recognized as industry leaders. This process is framed by asking, "How are we doing in a specific area compared to our competitors and others in our industry?" Often you will want to regionalize this comparison to the local economy and market, in other situations you will be required to benchmark against national or international organizations.
Benchmarking is designed to:
• Establish a baseline from which goals can be set and performance can be measured and optimized.
• Better understand actual performance in relation to strategic, operational and financial objectives.
• Provide statistical feedback that is valid, meaningful and consistent to leadership and management.
• Identify and better understand the performance of your company within your industry and market area.
Getting started with Benchmarking
Benchmarking requires that you begin by identifying a group of key performance indicators (KPIs) that you want to track. It might be data that is financial, operational, supply chain, sales or other performance data.
The second component is that you are able to obtain or compile industry data that matches your KPIs for comparison. Every industry has a different set of data resources. Some of these include industry publications, financial reports, business educational resources and trade associations.
A simple way to conduct benchmarking is to categorize and band the data in three categories like: poor performance, average performance and better performance. This approach provides a quick visual that all stakeholders can immediately grasp.
Sometimes following your own company KPI trends can actually be as valuable as comparing your performance to industry data. One approach is to identify a period that produced great results for your organization and benchmark to that period. For example you might frame this as, "How are we doing relative to our best year in company history?"
Benchmarking can alert you to problem areas, however benchmarking only identifies where problems exist, benchmarking does do not tell you why the problem exists or how to solve it. Benchmarking can be a valuable first step to problem solving.
When you identify a set of KPIs that are crucial to your business success, and begin benchmarking to industry data to determine your performance relative to others, you gain an insight that can result in superior management that yields a competitive advantage.
Brian Newton is a partner and shareholder in the Jones & Roth Bend office. Brian specializes working with physician-owned healthcare practices, nonprofit healthcare practices and provides strategic tax and consulting to business owners and individuals. Brian holds a bachelor of science in accounting from the University of Oregon. (Go Ducks!)


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May 2, 2107--Trump and Franklin Roosevelt
A little research revealed that during Trump's first 100 days he signed 28 bills that passed both houses of Congress.
Trump signed H.J.R. 40 on February 28. The bill repeals an Obama-era rule which prohibited the mentally disabled from being able to purchase firearms.
He signed H.R. 255 on February 28, called the Promoting Women in Entrepreneurship Act. The law authorizes the National Science Foundation to support entrepreneurial programs for women.
H.R. 321, the Inspiring the Next Space Pioneers, Innovators, Researchers, and Explorers Women Act was signed by Trump, also on February 28th.
He signed a congressional action that repealed an Obama-era regulation that prevented coal-mining companies from dumping waste into nearby waterways.
President Trump signed a Congressional Review Act which rolled back financial disclosure requirements for energy companies mandated by Dodd-Frank.
On January 31st, Trump signed into law H.R. 72, which authorizes the Government Accountability Office to obtain all federal agency records needed for the GAO to perform its duties.
He signed a Senate bill on January 20 which allowed him to appoint General James Mattis as Secretary of Defense.
In March he signed Senate bill 442 which authorized the appropriation of funds for NASA research and exploration.
President Trump signed a congressional review action which abolished a land management rule aimed at streamlining the process for aging federal land use decisions.
He authorized the repeal of another Obama-era rule which mandated that all states issue ratings for teacher-prep courses within their borders.
Trump signed an action which abolished federal standards established by Obama that determined which schools were doing well in terms of student performance and which were not.
He signed the Vietnam War Veterans Recognition Act of 2017, which designates March 29th as National Vietnam War Veterans Day and encourages the display of the American flag on that day.
The president abolished an Obama rule which limited the number of unemployment applicants states could drug test.
At the end of March, Trump signed a bill which designated a VA clinic in American Samoa to be named the Faleomavaega Eni Fa'aua'a Hunkin VA Cinic.
President Trump signed a Senate resolution approving a memorial to recognize military men and women who had served in support of Operation Desert Storm and Desert Shield.
Trump signed a House resolution that abolished Obama-era hunting restrictions on national wildlife refuges in Alaska.
In early April he signed a House joint resolution which eliminated workplace safety regulations implemented by Obama which were aimed at reducing injuries and death in the workplace.
Trump authorized a Congressional Review Act bill which eliminated Obama-era rules protecting private citizens' internet and browsing data from being used by their internet providers.
Trump signed a measure on April 13th which allows states to withhold Title X family-planning funds from clinics which provide abortion services.
He signed a bill authorizing a number of programs to enhance weather forecasting and alerts at the National Oceanic and Atmospheric Administration.
President Trump signed a bipartisan measure in April which extends the life of the Veterans Choice Program. Once implemented it will help provide veterans with healthcare at a faster rate than at present.
He signed a Senate resolution which reappointed Steve Case as a citizen regent of the Board of Regents at the Smithsonian Institution.
Trump signed a measure which appointed Michael Govan as a citizen regent of the Board of Regents of the Smithsonian.
And he signed during his first 100 days, a Senate resolution that appointed Roger W. Ferguson as a citizen regent on the Smithsonian's Board of Regents.
You get the picture. We're not talking FDR.
Labels: Federal Legislation, First 100 Days, Franklin Roosevelt, Glass-Steagall, Trump's First 100 Days


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shoes comfy? They have a bunch of cute ones on Zappos..but I need to know if they're comfy
I think it would depend on the style, she came out with some very nice flat slingbacks, that I thought were comfortable.
I have some Kate Spade shoes....I really think it depends on the styles. I also find that they tend to run small.


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text: I thought it was time to share my handbag goodies with others who enjoy some of the same styles, etc... I've been taking pics & posting here and there in different subforums but thought it would be nice to put them all together and in one place and there is no place better than the 'showcase' to do that. I hope you enjoy viewing them (I have enjoyed collecting them over the years). First two pics are Chanels, the 3rd pic is Gucci, 4th &5th pics are YSL Muses and the 6th,7th & 8th are of Nancy Gonzalez, Judith Leiber and VBH clutches.


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23 October In Current Projects by molly Tags: loveland, Molly Hale, Nino Alicea, owls, san diego, time to fly, youtopia festival
The Owls hung at Youtopia Festival in San Diego
I was very excited to be able to hang all three owl pieces together last weekend at the Youtopia Festival in San Diego. I've been dreaming of a time when they would all be together in the trees and that dream finally came true. A big thank you to the art staff at Youtopia who awarded me my first art grant and to my artist Nino Alicea who helped me to hang the pieces in the trees (by climbing them). You can see a bunch of awesome pictures after the jump.


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Views: 2563, Replies: 2 » Jump to the end
(Zone 9a)
Jun 16, 2016 3:49 PM CST
|Some of my Spanish lavender plants looked shriveled up, pale and dry couple of days ago. Now they are completely gray and brittle, and look dead, with black tiny dots on the dry leaves. Same lavender plants next to them look great and are setting buds. They all came from the same nursery and were planted at the same time, 6 mo ago. A month ago all looked great and growing strong. I'm bummed because I planted all in a row for a continuous effect. Did not find any bugs other than ants. I live in Florida.
Jun 16, 2016 9:43 PM CST
|Hey, welcome to garden.org. I'm also in Florida and have tried year after year to grow lavender here. Sadly, in 15 years I have twice succeeded in growing a plant through the summer. They really don't like our high humidity and heavy rains. Most of the Mediterranean herbs have the same problem here - sage, thyme, oregano etc. also peter out for me. I think if I had a sunny window I could grow them indoors through the summer with the lower humidity in the house. But the sun is too high to get in the windows. Rosemary is the only one that seems to survive pretty well.
Even though the native soil is fast draining sand, the roots still stay too wet, and most of the plants will peter out due to root rot. The only successes I had were by growing them in pots of cactus mix, and keeping them under an overhang of the house so they didn't get drenched with rain. I could more or less control the amount of water they got this way and allow the roots to get air, and dry out a bit between waterings.
"Success is stumbling from failure to failure with no loss of enthusiasm." –Winston Churchill
Jun 17, 2016 10:52 AM CST
|The problem is almost certainly moisture related. You may even want to revise your planting to save your other plants. At a glance, I'd say the culprit is that mulch: in humid, high rainfall areas, organic mulch will hold too much moisture and rot the roots of dry loving plants. If your soil is fast draining, you could simply rake away that mulch and replace it with a bit of gravel or stone; light colored will reflect light and dry the foliage off. If your soil is too heavy, your best bet is to create a slightly raised bed with edging and ammend that soil with large grit.
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Reflections of Medicine and Health in fiction and non-fiction. For more about Janice Scully, please check out http://janicescully.writersresidence.com.
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Wednesday, January 2, 2013
The New York Times: The Taboo of Menstruation
A sympathetic mother can help, as demonstrated in a passage concerning menstruation in the 2008 YA novel by Margo Rabb entitled Cures for Heartbreak. Here, protagonist Mia remembers a conversation with her mother about her "friend."
My mother was the only one who believed the pain was real. To her, any illness, menstral or not, became an occasion. Out came the ginger ale, strawberry Jell-O, soup.
But in countries such as India, where impoverished mothers lack education, the beginning of menses can determine whether or not a girl goes to school. Lack of accurate information as well as and a clean, private bathroom in which to change a sanitary pad can be why girls give up on school to get married. This is the subject of Rose George's Op Ed in the New York Times on 12/28/12.
Also, according to author George, the misinformation girls are given by their mothers makes girls feel literally cursed. For instance, a mother might tell her daughter:
. . . when you menstruate, don't cook food because you will pollute it. Don't touch idols because you will defile them. Don't handle pickles because they will go rotten with your touch.
Pollute. Defile. Rot. How powerful is the menstruating girl!
Fortunately, to help girls deal with the reality of monthly periods and maintain their self-esteem, there is an organization in India called WASH United working on improving basic sanitation. A private bathroom and information on how to attend to personal hygiene directly impacts a girl's ability to attend school.
Of course, the task is huge. But George's article provides a glimpse of the relatively simple and practical fixes that can have huge impact.
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BCS Leader Discusses Better City Superior Vision
By Doug Dalager
I was fortunate to be granted an interview with Bruce Thompson, community bank president of National Bank of Commerce and the fellow leading the charge for Better City Superior. During this video interview, we were able to spend almost an hour together and I came away from the discussion with a much better understanding of what the BCS group has been working on since 2013.
This is another in a long running series of articles by ES about the Better City Superior inititiave.
Click to go to links to additional articles about BCS
In this interview he explains that Better City Superior is a 501(c)(6) non-profit economic development corporation. To learn more about such corporations, follow this LINK.
He also discusses Better City US, the brainchild of Matthew Godfrey, the development consultant that BCS is leaning on for advice and guidance. For more about Better City US and Mr. Godfrey, follow this LINK to read a previous article published by ES.
Also included in this interview is information about the Exposition District taxation area created in Milwaukee in 1994, now known as Wisconsin Center. These links will provide you more background on both topics.
Another item of note during the interview is a discussion about gentrification and whether redeveloping downtown Superior will be detrimental to lower income residents. Follow this LINK for a concise definition of gentrification.
Thompson believes that using the term gentrification in regards to the BCS proposal is misplaced. In fact, much of the properties that BCS is focusing on are in fact vacant lots, abandoned buildings and houses, or buildings in very poor repair.
Here is my interview with Bruce Thompson:
Here are four additional videos that you may find interesting in relation to the BCS proposal. First, a CNN new show about Ogden, Utah and how it's been turned around thanks to intensive redevelopment.
Next, a video that shows wat iFLY skydiving is all about. Thompson mentions it in passing during the interview so I did a quick Google search and found this video that shows how much fun this could be. You can really understand why he is so excited about this form of entertainment.
Finally, here are two last videos that show what an indoor waterpark might mean to downtown Superior. The first is Mount Olympus Indoor Water Park in Wisconsin Dells, and the second is a Kalahari Indoor Water Park in the Poconos. This looks like it would be lots of fun on a cold January day!
Don't forget, the election is on Tuesday, November 8th, and if you support Better City Superior, please vote YES on the referendum question about the Exposition District. Please stay tuned as we continue to explore how Superior can become a Better City!


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Concealed Pool Roller
Easy installation
Easily installed in any new and most existing pools of any size or shape. Can be installed in any type of deck material. Non-corroding anodized lid. No motors, tracks, cables or pulleys
Saves money & the environment
Reduces evaporation. Save money in water, chemicals and heating costs. During the day, solar blanket acts as a solar collector, increasing the temperature of your pool which extends its use beyond the summer months.
Quick and simple to use
Single person operation so blanket extends and retracts in a minute. Blanket is totally invisible when not in use which eliminates trip hazards. Stores out of sight all year round in a self-draining unit


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Another Wonderful Nature Photography Workshop
This past weekend we had another successful Nature Photography Workshop. Held at Cacapon State Park in Morgan County, WV the fall colors were in full intensity.
Despite the rain on Friday and Saturday morning the group explored the marvels of manual exposure mode and the realization that the photographer is smarter than the camera.
A combination of classroom work and field work help to strengthen the students understanding of shooting in manual mode, setting f-stops for the situation at hand, setting a shutter speed to freeze the action or to allow time to accumulate on the film/sensor to render the preconceived image. With digital photography the students were made aware that they can change the ISO between ever shot if they want to (I can't imagine wanting to but you can). This allows the photographer to capture the desired image using the f-stop and shutter speed that they want. To render the image the way that they want by changing the ISO to achieve the correct balance between these three key elements to a proper exposure.
It is so rewarding to see the light bulbs click on over their heads when they finally get it. When all of the elements of this manual mode come together and gel - they can do it! Manual Exposure - it's not as hard and you think.
Donna and I are so pleased to have had to opportunity to share our passion for nature and nature photography with passionate people that are willing to learn and experiment. The rewards are priceless.
We are already working on next years workshop schedule. Stay tuned for a link to the 2010 Nature Photography Workshop Schedule.


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There's something wrong with the idea of a forest being closed. If we were to go up there right now and take a look around, we'd find that everything was in order. No trees would be stowed away for the season; the flowers would still be bright; the streams would still be following gravity downhill (more or less); sunlight would still be filtering down through the leaves to the floor of the canyons; the cats would still be lurking in the shadows waiting for just the right moment to pounce down and rip our hearts out. You know, the usual stuff is going on up there. Nothing would be different from a month ago when the forest was open. A month or two ago, bikes and picnic lunches and horses were just as likely to spontaneously combust and cause massive fire devastation - actually, more so, since we've had a few inches of rain since then, right? But, I guess we can't be trusted. Sad.
I just want to visit my mountain. I can gaze up at it now and then, but it's just not the same as being there. So, please open the forest soon.
Wednesday, October 31, 2007
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Shopping for the Howlidays—A fundraiser benefitting KarmaSue
KarmaSue's mission is to provide education, counseling, and financial support to Coloradan families that have companion animals living with cancer in an effort to honor the human-animal connection.
KarmaSue and Peak to Peak Tap & Brew are coming together to offer you a unique experience! Stop by on Saturday, October 28th any time between 4 and 6 PM to shop for some truly one of a kind items with proceeds benefiting KarmaSue! Hang out, have a beer, and start the howlidays off right!
We'll see you there!


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A huge fire broke out and engulfed a tower block in Latimer Road, west London, and witnesses say people are horrifically trapped in their homes.
The fire at Grenfell Tower on the Lancaster West Estate was reported at 01:16 BST. Around 200 firefighters are responding to the fire. London Fire Brigade has also sent 40 fire engines to the tower.
The Met Police said people were being treated for a "range of injuries."
The BBC reported that the whole tower block was alight and there are fears the building might collapse.
Eyewitnesses are reporting that they could see lights- assumed to be torches- flashing at the top of the block of flats. People also say that it is "close to burning through". People are also reporting of falling debris, and hearing explosions, and the sound of glass breaking.
Residents continue to be evacuated from the tower block in the afternoon, London time.
Police officers are also pushing back their cordons at the scene, pushing back spectators for fear that the building might collapse. The building is being described as "burning out of control" from the tenth floor onwards.
Even reporters covering the fire including George Clarke of Channel 4 TV program Amazing Spaces said: "I'm getting covered in ash, that's how bad it is. I'm 100 meters away and I'm absolutely covered in ash. It's so heartbreaking, I've seen someone flashing their torches at the top level and they obviously can't get out."
Another eyewitness Tin Downey told BBC that part of the building sadly was "completely burned away. It has burned through to its very core. It looks very bad, very, very bad. I've never seen anything like this. It's just such a big fire. The whole building is just crumbling. It's just billowing black smoke."
This is a developing story.
And with many being non white to use one of your phrases, you and frau katherine must be overjoyed, ya? das ist gut mein frauliens, dick smile


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Healthy Eating
Premium Training
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Move Really Quickly: Short Sprints for Long Term Awesomeness
Moving with intensity for short periods of time is one of the easiest and fastest ways to improve health.
Tommy Wood
A Simple Eating Plan for True All-Day Energy
By using these tactics, we're using your body's normal functions intelligently to feel awake, think clearly, and sleep hard.
Nate Palmer
Can You Handle Competing in CrossFit? 7 Questions to Ask
It is time for those with big ambitions to understand what they are getting into. If you are all good with these seven questions , then you're ready to go.
Mike Tromello
6 Steps to Becoming a Better Lifter (and Human)
Find the deeper meaning in your own training to be more purposeful, directed, and successful.
Chet Morjaria
Don't Be One of These 7 Types of Sneaky CrossFitter
What are the best ways to get a little rest during a metcon, yet make sure your coach doesn't yell at you?
Colm O'Reilly
How Economics Can Help Us With Our Fitness
Most of us have a limited amount of time. How do we make the most of the training time we have?
Craig Marker
How to Achieve Big Athletic Goals After the Age of 35
At any age, proper perspective and solid planning are the keys to achieving your athletic goals.
Craig Hysell
2014 CrossFit Athlete Holiday Shopping Guide
This is not your average CrossFit holiday wish list, folks. Box owners, this is your client's wish list.
Patrick McCarty
7 Ways to Build Real Self-Esteem in Youth Athletes
Our role as parents and coaches is to develop the athlete's self-esteem not only as an athlete, but as a whole person.
Jeanne Goodes
2014 NFL Combine Workout: De'Anthony Thomas (Video)
We think you'd be hard pressed to find athletes this powerful and athletic in many other sports.
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Training for Long-Term Success With Eva Twardokens - Breaking Muscle Radio, Ep 2
In this episode, we talk to Eva T. about being an athlete, being healthy, and having fun.
Breaking Muscle HQ
The 3 Levels of Athlete Ability (and How to Coach Them)
Which category are you? Which category are your clients? Consider these facts and plan all training accordingly.
Tom Kelso
Athletes Healthier and More Optimistic
Having an optimistic attitude can be essential for an athlete in competition and training. An athlete with optimism will train hard and push through the rough spots.
Mindith Rahmat
How Clean is Your Gym? What do Trainers and Coaches Really Know About MRSA?
Methicillin-resistant staphylococcus aureus (MRSA) infections are rampantly spreading in gyms, locker rooms, and athletic facilities.
Mindith Rahmat
8 Must Haves for Your Gym Bag
Just the other week, I wrote about the 10 items you need to have to build a good home gym. Now, what about the rest of you, who are members of a gym?
Becca Borawski Jenkins
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First Time Clearance
Steps necessary to become a Safe Environment Cleared Adult:
Any documentation can be submitted to the Safe Environment Director ( ), dropped off at the church office, or submitted to the head of the ministry in which you are volunteering.
- _____ Be at least 18 years of age
- _____ Be a member of the All Saints Parish for at least 6 months*
To be completed by the applicant:
- _____ Complete Online Screening Form (hard copies are available upon request from the parish office) Formulario de Evaluación en Español
- _____ Participate in the initial Safe Environment Training – "Family of Faith" or "Recognize, Report, and Respond" (o en español, la clase "Familia de Fe") (available on DVD from parish library or school office, or available through the Diocese website for a live class). To remain active, Safe Environment training must be updated on an annual basis. Update Training options available on All Saints website or Diocese of Dallas website.
- _____ Submit a suitable Digital Picture for ID Badge (good quality, includes head & shoulders, JPG or JPEG format is preferred).
- _____ Complete an in-person Interview with the head of the ministry in which you want to volunteer (or a designee). Please contact the ministry head to set up an interview.
To be completed by the Safe Environment Director:
- _____ Receive positive responses to at least two Reference Checks (references are listed on the screening form and will be contacted by Safe Environment Director)
- _____ Receive a clear report from a Criminal Background Check. (checks are conducted by a 3rd party company and any information is kept confidential; background checks are reviewed every two years)
Applicants for paid (staff) positions must complete the above steps AND:
- _____ the Application for Employment
- _____ the Computer System/Internet Use Policy Acknowledgment Form
*Membership in the Parish for at least 6 months does not apply to staff positions
*6 month requirement can be waived if we receive a letter of good standing from the applicant's previous parish


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FedEx International MailService
Document Preparation
If you are unable to prepare the international customs declarations required for your individual items as described in the Prepare Your Mail section of this web site, we can do this for you using the information you will supply and certify to us.
The FedEx International MailService® Center is equipped to complete and attach the various required documents to each item in your mailing. To learn more about our document preparation services, contact us.


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Found Photo #2
I found this on Tumblr. Maybe I don't look hard enough, but what magazines do these images even come from? Someone help me out, I obviously need to read them!
The neon clothes and accessories paired with the metallic sky-high platforms are killing me right now (in a good way, of course)!


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Virtual Tour
Boating Info
Contact Us
Local Attractions
From St. Louis or Kansas City take Interstate 70 to highway 54 south to Osage Beach, Missouri. Exit at Passover Drive. Turn left on Passover Drive and proceed for approximately one mile and turn left into Parkview Bay Condominiums. Travel 150 feet and turn right at the T-intersection.
Copyright © 2011
Interstar Properties
. All Rights Reserved.


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Some universities now offer their courses on the Internet so that people can study on-line. Is this a good or unfavorable advancement?
There are various explanation why folks may argue that research is really an unneeded load on kids. For starters, There may be evidence to assistance the idea that research does practically nothing to enhance educational results. Nations like Finland, where university youngsters aren't given research, routinely leading Intercontinental academic league tables and outperform nations exactly where setting research may be the norm.
Here are a few sentences that individuals wrote concerning the "homework" subject matter which i shared along with you in previous week's lesson. Are you able to right the mistakes and Increase the sentences?
It's totally easy to prepare your four-paragraph essay construction for this type of query: introduction, response the first concern, respond to the second problem, conclusion. Now you simply really need to strategy some Strategies.
??Moalboal- You must go there if you'd like to dive. It truly is about 2 ½ hours far from the city. They have quite a few diving offers at unique premiums. The islands of Mactan and Camotes will not be to missed by diver addicts also., radio, as well as push collectively?? it behaves as being a collective noun (like team or clergy, one example is), which suggests that it is now suitable in normal English for read more it to take possibly a singular or possibly a plural verb.|Consider A further consider the phrases Within this vocabulary lesson. Pick out 5 from the phrases and set website them into Google. It truly is fascinating to check website out Various other examples of how Those people phrases are read morehere already used in non-IELTS contexts.}
Despite the negatives pointed out earlier mentioned, I feel that online university programs absolutely are a positive advancement for several explanations. First of all, they allow learners to review in a versatile way, meaning that they can perform When and where ever is convenient, and they're able to deal with the fabric at their own tempo. Secondly, the price of a College instruction can be tremendously diminished, when revenues for establishments may improve as a lot more pupils is often taught.
Marco Polo Plaza- Found at Nivel Hills, this is a good hotel with these wonderful customer service. The food stuff buffet at Café Marco is like no other, in addition you receive a wonderful look at of the city. Fees start off at about $one hundred and five.
You may squander time that you could have put in on your own key system paragraphs. Or you could finish your essay and devote time checking it.
, you might automatically develop compound or advanced sentences, so there's no want to bother with "complex grammatical constructions".
This really is a typical safety examination that we use to avoid spammers from generating faux accounts and spamming people.
You will not have time to produce the sort of in depth arguments that a College Trainer would anticipate, so think about that you are creating on your highschool teacher!}


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A Bain survey recently shared that 80 percent of company executives believed they delivered a "superior experience" to their customers. But when Bain asked the executive's same customers about their own perceptions, only 8 percent of customers felt those companies were really delivering. That's a huge disconnect.
How can that be?
Great metrics often disguise mediocre performance. That's what happens when metrics are focused inwardly on company performance instead of customer experience. It happens everywhere but nowhere is it as pernicious as in social media. We've been thinking about this quite a bit and a story may illustrate the principle.
Consider a recent example, of a pretty good customer experience. I was flying to Las Vegas to keynote the SEMA online marketing conference. I was on the plane way too early and connected to wifi. I started hoping that the hotel might allow me to check in early. If not I would kill a little time and head out to meetings at other venues. Maybe you can relate.
I sent out this tweet to the Cosmopolitan Hotel:
I'll be getting to the hotel around 1:30pm, what are the chances that I'll be able to check-in and go to my room?
They responded within 20 minutes with this tweet:
Upon arrival head to Registration and they can advise you of early check-in options. See you soon.
From the hotel's perspective their quick response time probably met their goals of responding to all tweets in a timely manner. In fact, the recent research supports the fact when a consumer tweets to a brand 65 percent of them want a response in two hours or less, with 20 percent expecting a response in 30 minutes or less.
They also expect response times to be faster if it is an actual complaint, my tweet wasn't. The Cosmopolitan Hotel in Las Vegas is performing better than most. I wonder how their executives would measure the opportunity cost of this response.
Here are some additional facts to consider so you can take the hotel guest's perspective:
This is not a fact, but I speculate that their Social Media team functions in a silo. They probably have an organizational data problem, they may not have access to any other hotel information.
Oh, and by-the-way, my overall experience staying at the hotel was an A-, might I feel more connected to the hotel if I received a different response? Perhaps.
The Cosmopolitan hotel did not give me any additional information that I already didn't know in their tweet. The response was lame. Even if they were super busy and had no hotel rooms for early check-in, I would understand that it happens. I just wanted to save the trip to the hotel and the cab fare if they were not ready for me.
My friend Ted Rubin, co-author of Return on Relationship, said "They didn't engage; they gave you a pre-written, boiler-plate response (that could have been automated), and missed an opportunity to build a relationship and be remarkable. At the least they could have said 'Thanks for reaching out Bryan. Reach out when you are on your way and we will check for you.'"
I hope your metrics are telling you the truth.
P.S. The biggest irony of this situation is that I was headed to present on Amazon.com's customer centricity & amazing business performance while chatting on the plane with someone from WholeFoods discussing their focus on customer experience.
Article written by Brian Eisenberg for ClickZ


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England are confident Hampshire's Mason Crane will meet the challenge of his Test debut head on in the heat of the Ashes.
Joe Root's tourists have pressed the 'gamble' button in search of a consolation victory in Sydney, having lost the urn before Christmas in Perth and then kept the scoreline at 3-0 thanks to a bore draw on a poor pitch in Melbourne.
A recurrence of Chris Woakes' side injury will keep him out of the final Test but not the forthcoming one-day international series against Australia or the tour of New Zealand still to come this winter.
England were already planning to retain out-of-form all-rounder Moeen Ali alongside 20-year-old novice leg-spinner Crane - so Woakes' absence merely means his fellow seamer Tom Curran can consolidate after his debut at the MCG.
Crane will become England's youngest specialist spinner since Ian Peebles 91 years ago but Root is confident he has the mettle to deal with the occasion.
"The way he has conducted himself for the whole trip has been outstanding," he said.
"For a young man to apply himself and absorb himself in the environment as he has is exactly what you are after.
"I can see a big progression in his game, and the way he went about those Twenty20s in an England shirt (last summer) shows he is not going to back down from any challenge.
"He has bowled well when he has had the (tour match) opportunities on this trip and it is a really good chance for him to show what he is capable of."
England have read the Sydney pitch differently to their hosts, who will stick with Nathan Lyon as their only spinner.
Root added: "On this surface, (Mason) is going to be a really good option.
"It looks like it should give a bit of turn throughout.
"It generally does here anyway but it looks like it has definitely dried out in the last 24 hours.
"That is why we have gone with two spinners, and a leg-spinner could be quite hard work late on in the game."
Mason Crane and Joe Root at the Sydney Cricket Ground
Root also gave Moeen a timely endorsement, despite a miserable series so far which has brought the off-spinning all-rounder just three wickets at an alarming cost of 135 each and 136 runs at a sub-20 average.
"Moeen is a fine player," said Root.
"Of course, he has had a tough couple of games but you don't just lose the ability he has overnight.
"I am fully confident on this surface and throughout this week he can put in some valuable performances for the side.
"My message to him has been to relax and try and enjoy his cricket. He is at his best when he is having fun."
As for Woakes, following scans, England believe he will not be missing for long.
Asked if he has suffered a recurrence of the problem which struck him down at the start of the Champions Trophy in June and kept him out for 11 weeks, Root said: "I think it is the same one.
"But more than anything, it is making sure he is not out for a significant period of time like he was throughout the summer.
"He is obviously an integral part of both the white-ball and Test team, and it is important he doesn't have another setback.
"I think he pulled up a bit sore from the last game, and it is obviously quite an important area for any fast bowler.
"So it is important we look after that and make sure he is 100 per cent."


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Schottenstein Edition of the Babylonian Talmud
|Part of a series of articles on
|Editions of the Babylonian Talmud
Schottenstein Edition of the Babylonian Talmud is a 20th-century, 73-volume edition of the Babylonian Talmud or Talmud Bavli.
The text is published by Artscroll, a division of Mesorah Publications, with the financial assistance of Jerome Schottenstein, an orthodox Jew and founder of an Ohio department store.[1] The Schottenstein Edition is published in three languages: English, French, and Modern Hebrew.[2] The edition has gained much popularity since its release and is used in many congregations throughout the English-speaking world.[3] The total cost of the project was $40,000,000 (including the Hebrew edition); some sources estimate the cost of production for each volume to be $250,000.[4] The publication of all 73 volumes took fifteen years.[5] The Schottenstein Edition is the first Orthodox non-academic English translation of the Babylonian Talmud since the Soncino Edition. An academic English translation of the Baylonian Talmud was completed in 1995 by Jacob Neusner, Tzvee Zahavy, and others in the series, The Talmud of Babylonia. An American Translation, Atlanta: 1984–1995: Scholars Press for Brown Judaic Studies.
Each page of the Hebrew/Aramaic text is in the classic Vilna style, with various classical commentaries (such as Rashi) surrounding the text of the Mishnah and Gemara. Each Hebrew page is opposite a page of English translation—one Hebrew folio takes approximately six to eight pages of English to translate.[6] The literal meaning of the text is shown in bold, while supplementary words and phrases that ease the quick transition of topics are shown in regular font.
See also[edit]
- ^ Joseph Berger, An English Talmud for Daily Readers and Debaters, The New York Times, 10 February 2005.
- ^ http://www.artscroll.com/Talmud1.htm
- ^ Eichler.com review of the Edition, the exact page can be found at http://www.eichlers.com/Product/Books/Talmud_and_Mishnah/Artscroll_Schottenstein_English_Talmud_Bavli/Artscroll-Schottenstein-Edition-of-the-Talmud---Daf-Yomi-Edition-_004-1.html#FullDescription
- ^ Eichler.com review of the Edition
- ^ Nosson Scherman and Nesankel Kasnett, The Schottenstein Edition of the Babylonian Talmud: Printing the Talmud from Bomberg to Schottenstein, 155.
- ^ http://www.artscroll.com/Talmud1.htm


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Why Trunk or Treat Beats the Original
BOO! Halloween is here! How are you celebrating?
Most of us celebrate Halloween with a costume party and trick-or-treating for the young ones. But sometimes all the parties, costumes and candy can add up to be too much to handle. For this reason, Trunk-or-Treating has become the newest form of Halloween celebration for parents with young children.
Trunk-or-Treat takes less effort, requires almost no clean up and is a safe alternative! Learn why Trunk-or-Treat beats the original Trick-or-Treating and read up on tips on how to set up your own community Trunk-or-Treat for next year.
Photo Credit: Collin Harvey


text: Maybe it's a little early to be asking this since my contract ends in two years and in two years a lot can happen. But if I don't want to stick with Verizon anymore.... A) Can I use my Bionic with another carrier? B) If I bought the Bionic via 2 year contract how would much would I pay to keep the phone to USE [if] i want to be go to another carrier?


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When Maxine was at the worst point of her cold she was like one of those rotating sprinkler heads you connect to your hose and let water your lawn. She would bury her snot/eye booger-encrusted face in my shoulder/collar area and cause me to have to change my shirt three times in one day. I have been washing things like crazy around here trying to keep Raquel and Jose from getting sick. It's too late for me. However, just as I was going to buy some Zucol from the drug store I opened a package I got in the mail from Grandma Emma. In it was a package of Zicam! She knew about Maxine's illness and she had an extra package so she gave it to me. She knew I needed it!
Maxine is back to her old self today. She's not 100% well but she's acting like she feels really good. Something about her cold made her not want to eat baby food. I have wasted a lot of it trying to feed her and all she does is gag and heave. She used to enjoy it. I'm gonna wait a couple of days before I try again.
Here are some cute pictures of the girls when I was getting them both ready for night-night.