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Becoming a Master Manifestor utilizing the energy of Grace Blessings!!
The functions of Grace Blessings are to catalyze your Enlightenment and/or deepen it and the energy also radically opens you so you can start to RECEIVE all of the Blessings the Universe SO wants to give you……This energy is a POWERFUL manifesting agent!
In fact for many, it has made the Law Of Attraction come ALIVE, to make sense and to WORK in a really easy way.
Today I want to talk about using Grace Blessings for manifestation.
Some people consider me to be a Master Manifestor, well, I am pretty good at some things and I have learned some valuable stuff along the way that I am happy to share with you
First and foremost, be clear about what you want to manifest. In the level 1 free online course (http://www.awakeningintoonenessglobalexperiment.com/) you DO start to get clear about what you want and that is great, most people simply know they are not satisfied or happy in and with their life but when you ask them, "ok well then, what DO you want?" they begin to look like a deer that got caught in the headlights.
Do something FUN……right NOW……I want you to pretend that a genie has come out of a bottle and wants to give YOU as many wishes as you want. The only trick is……you must speak to the genie as if you are telling the genie the greatest story of your life EVER! Speak "your greatest life story" as if it is happening NOW and leave out anything "you don't want", EXCLUSIVELY focusing on ONLY what you have going on in your life that totally ROCKS……
Let me give you an example:
"I LOVE how the moment I wake up my MIND is completely QUIET, I am at peace the moment I open my eyes. Then this feeling of EXCITEMENT and PASSION begins to bubble up within me and a feeling of MAGIC surrounds as I am elated to participate in the day. I leap out of bed and notice how strong, lean, toned and vital my body feels. Every cell in my body is singing and dancing!!"
and you can go on to speak about how your relationships, are, your health, career, wealth, where you live, EVERYTHING. Tell the greatest story of your life!!
This is actually really fun to do with a friend, taking turns
You may notice as you practice this, you might have a tendency to talk about what you don't want……if you catch yourself doing that, just get back on track with what you DO want. You could even say , "Erase that!" If you catch yourself, or "delete scene!" It is YOUR grand movie/story, so you can delete and redo whatever scenes you want to!
Play around with this way of manifesting. It is quite fun and gets the imagination going……if you can imagine it, you can have it!
The next thing I have learned as I was flexing my manifesting muscles and learning to wield my skills– that for me it was easier to manifest ONE thing at a time. If you scatter your energy into many different directions it can slow down the manifesting in this realm of what you want. Pick your top priority, that thing that makes your heart sing, and focus on that exclusively for 3 months at the very least. As your vibration increases the time delay between thought and manifestation decreases, things come to you more quickly.
Now you will notice that if you have a lot of "attachment" to something coming, that attachment can and will slow down it coming to you.
The trick is….
Intend-be as clear as you can
Claim it, declare it…..
Keep focused on it in a GOOD way, like see, feel, allow, imagine what your life will be like, feel like when you have it!! How FUN it will be……
that kind of focus = super helpful
sitting around getting grumpy and complaining about where is it= delaying it coming!!
I know it can be difficult to be patient and let go and wait for it to show up….
I teach some really advanced helpful stuff about all of this in the level 2 online course, "why walk when you can fly!!!!" http://ericarock.com/grace-blessing-practitioner-certification-program/. I teach you HOW to surrender, let go, give it over, trick the MIND even and PLAY with this like a mad manifesting scientist!!
What I can share here is this, even if you get a little impatient and grouchy that it is not here yet……..here is the GREAT NEWS!!!! YOU have Grace on your side and grace does a LOT of the "work" for us and also tends to smooth things out, so even if your vibration isn't perfect around it, the Grace helps immensely :):)
So, no worries if you don't get it perfectly, let go to grace and let it be done for you as best you can
It IS really important like I said above to see, feel, allow, imagine that your desire is already here. Here is another tid- bit from level 2 online course: For only 3 minutes per day, see, feel, allow or imagine you have already achieved your desired outcome. Hold onto the AWESOME feeling of what its like to have done this! This is kind of like the wind under a magic carpet…..it provides the FUEL and energy to bring it to you
Last but not least – Have FUN visualizing your desire coming into your life. Being overly attached is a manifestation kill and it sucks the JOY out of the whole process! Getting too serious about your desire will cut off the flow of powerful manifesting energy. Lightness is best! Stay LIGHT about it!! The BEST thing you can do in this whole process is to be playful and enjoy each moment of your life to the fullest! When your joy pipes are open, and you FEEL like you could FLY, the manifestations you desire spontaneously occur. What you want shows up like magic, divine synchronicities abound and everything you touch turns to GOLD!!
I hope you enjoyed post and found it helpful. I cannot say enough about stepping into your Master Manifestor position….it is ULTIMATE FUN and FREEDOM. I teach everything I know about it in the level 2 online course, why walk when you can fly. Take it from someone that knows how to manifest!!!!! I love sharing this information with you and please provide feedback about how this has helped you, or what doesn't seem to be working so we can all support one another in this glorious journey of Awakening! http://ericarock.com/


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The internet moves fast. Literally at the speed of light. So you always need to be ready to respond. Remember when Oreo tweeted "You can still dunk in the dark" during the 2013 Superbowl blackout. That is a perfect example of taking advantage of events happening around you and responding. That quick action led to 15,000 retweets and 20,000 Facebook likes.
Today's case study involved everybody's favorite game Flappy Bird. When the creator of the game decided to take it down from the app store, it left a giant hole in the market. And when the lights went out on Flappy Bird, brands and bands made a social media slam dunk with their own remixes.
Riser Bird (Dierks Bentley)
Essentially, Flappy Bird with the Riser album art work. You can check it out at Riserbird.com and share your score to be entered to win an autographed CD or the grand prize of attending a Riser tour rehearsal.tutuapp pokemon go android
Fall Out Bird.
You can play as any of the four band members and help their winged heads avoid guitar necks protruding from the ground and sky!
OVO Flappy Bird (Drake Edition)
Finally we've got a bootleg Drake Version of the game. Every time you successfully clear a pair of pipes Drake congratulates you with "We made it"
I'm going to leave you with a Bastille – Flappy Bird pop punk parody song.

subset: commoncrawl


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So, this whole discipline thing is much harder than I thought it would be. First thing Thursday morning I had a breakfast burrito at the airport with cheese. Then, Friday at the horse show I had a hot dog! And tonight I ordered pizza.... traveling makes it really tough to keep on track. I haven't worked out since Wednesday! Got to get back on track tomorrow and going to start the week off right with some yoga!
Week 1 - Presence. Goal is 5-6 days of yoga, starting each day with a short 5 minute meditation and ending each day with a 5 minute meditation and balanced eating. Adding more cooling foods into my routine (veggies and fruits.)
Weekly goals: follow through with my Lent goals, take more pictures, eat right.
And now, back to the Oscars..... (anyone else rather bored this year?)


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Listen to this article
1 Who painted himself as a yellow chair?
2 In which group portrait does a dwarf called Maribarbola appear?
3 Which British conceptual artists made work from
a) a rotting hare;
b) a chocolate fountain;
c) eight pints of frozen blood?
4 Which collector revealed his purchase of which painting with the words: "A madman painted it – and a madman bought it"?
5 Who painted this 16th-century portrait, and which 19th-century artist based his illustration of which famous literary character on it?
1. 'The Way of the World'; Congreve; Millamant.
2. 'The Importance of Being Earnest; Wilde; Miss Prism.
3. 'Happy Days'; Beckett; Winnie.
4. 'Arcadia'; Stoppard; Lady Croom.
5. Anna Massey; Miss Prism.
WINNER: Rachel Lawrence, Cardiff
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Answers will appear in next Saturday's Weekend edition.
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In todays online edition of the EDGE
This year Abdul Harith expects Lotus to have a positive operating cashflow, with an aim to break even in FY16...
Lotus group currently has zero borrowing as all of its debts, which amounted to £203.81 million (RM 1.22 billion) was settled by Proton last year.
(This was on page 8).
The article refers to the Lotus SUV Project in Fujian province China.
So Lotus is once again debt free. Proton did a similar thing when Mike Kimberley was CEO.
DRB Hicom, Proton's owner appear to be in for the long haul.
Hopefully, things will turnaround commercially for Group Lotus in the not to distant future.
Incidentally, the same article the investment in China is quoted as 10billion yuan (RM6.16 billion) over £1 billion at todays exchange rate.
I don't have any comment really, other than Group Lotus appear to have a really poor commercial history!
I wish them all the best.
Sunday, August 2, 2015
Proton paid off Group Lotus £203.81 million debt.
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Have you proven yourself an Australian entrepreneur? Contribute a chapter to our showcase
My Entrepreneur Magazine is updating its showcase spotlighting amazing Australian entrepreneurs. Can you write a chapter?
Australian Entrepreneur features outstanding Australian businessmen and women who have either innovated or introduced a new product or service, individuals who have made an impact within their organization through their own individual achievement.
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We're also interested in Australian entrepreneurs who have succeeded against the odds. The businessman or woman featured in this book can be part of a large or small organization as long as they are based in Australia. There is no charge for contributing to this book.
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To propose a chapter for this book, please click here to fill in the chapter proposal form.


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Samsung "counter-attacking Apple again"
Samsung made a next step in its battle with Apple and filed for a preliminary injunction against the iPhone 4S in Australia and Japan. The Wall Street Journal reports that the Japan filing that is also attempting to halt sales of the iPhone 4 and iPad 2, accuses Apple of infringements in technology and user interface patents. The patents apparently relate to "the display of a flight mode icon, the utilization of homescreen space, and an app store menu structure". Samsung claims that in Australia Apple has infringed on patents related to wireless telecommunication standards.
A Samsung spokesperson said that the company is "now counterattacking Apple again". Though, many believe that Samsung's attack will certainly fail. Moreover, an Australian judge will unlikely consider patents Samsung using in the filing as enough for a preliminary injunction, because they are essential for the 3G telecommunications network. As for Japan filings, the situation here is not so obvious like in Australia. This means Samsung could seek injunctions on them and it would be up to Apple to contest their validity.
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How to download Hung Daddy videos
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|17 Jun 2017 by Jennifer Lopez
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Today is Day 2 Ayah & Mama away for Umrah..And somebody is start looking after her grandparents already... Sapa lagi kalau bukan si kecik Fatin Amani ni..
She was cranky all day yesterday...refuse to sleep.. Dalam buai merengek, dukung pun merengek, letak je atas katil lagi la meraung.. I was so worried if she was in pain.. Demam ke, sore throat ke, kembung perut ke but temperature is normal, perut pun ok. So Angah and I keep looking for reasons of her crankiness and why she refused to sleep even though I can see from her eyes that she's tired already..
At 9 pm, she still didn't sleep. Had to call hubby and report since I really didn't know what made her feel uncomfortable and refused to sleep. I thought maybe dia nak tido dengan Ayah dia as she does every night. Hubby terus cut short the tuition class and went straight home. But still, even with her Ayah, she didn't fall asleep. I felt so helpless and kesian tengok my baby. Dia penat, tapi mata tak mau lena.. We finally decided to use 'talian hayat' which is my mom-in-law and asked. She asked us to use Mama's or Ayah's cloth yang dah pakai to wrap Fatin up. I was like.., hmm..., takkan la kot, apa kena mengena.. But anyway, we did give a shot. So hubby took Mama's kaftan and wrap her up. And suprise, suprise, she stop crying and fall asleep soundly not long after that.. I was soooo relief.. ALHAMDULILLAH.. FINALLY... Huhuhu...
Rupa-rupanya, she misses her Nenek & Atok la tu.. Tu yang being cranky tu ek.. Ye la, usually early in the morning, Nenek dah jenguk dia, cium-cium dia.. In the afternoon, tidur Atok yang dodoikan.. Out of sudden, sunyi je rumah from Nenek's & Atok's voice and cuddle... Poor lil' girl.. Sabar k dear.. They'll be back soon.. For the time being, tidur la berselimutkan baju Nenek dulu ye... Hehe...
Humour is my Lestrange Vault
2 weeks ago


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as kip dynamite would say...
"that's what i'm talking about." check it out:
i have one of these in my possession, and big pants now has a mascot. speaking of big pants, the band now has a blog/website. it's in my list of links on the right.
i fixed the bad link to info about my new laptop. see previous post below for the dell latitude review.
i am off tomorrow. laundry during the morning, a nice lunch with jenn where i'll instruct her on ripping songs and loading them into her mp3 player, and then in the early evening i'll be hoping to catch another one of these (believe it or not, mine from last week was a little bigger).


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Getting an internship can be a daunting task, but hopefully the following links can help get you started. For more detailed information see Bro. Brian Tonks or the Academic Advising.
Idaho State University and Health Physics Education Reference Book
CCT REU: Interdisciplinary Research Experience in Computational Sciences
San Diego State University Graduate Information
Zintellect DNDO Summer Internship Program
NSF's List of Physics REUs
APS Physics List of Internships
AAPT/SPS The Physics Nucleus or http://jobs.spsnational.org/
Idaho National Laboratory (INL)
Direct Link to Internships with INL
Idaho State University, Dept of GeoSciences
The American Association of Physicists in Medicine (AAPM) Summer Undergraduate Fellowship
Lunar Exploration Summer Intern Program
U.S. Department of Energy - DOE Scholars Program
NOAA - The Hollings Undergraduate Program
Nasa Idaho Space Grant Consortium
LERCIP College Summer Internship Opportunities
Arecibo Observatory Summer Program for Undergraduates for Summer 2016
University of Nebraska-Lincoln Summer Research Program
National Undergraduate Fellowship Program in Plasma Physics and Fusion Energy Sciences
Lawrence Livermore National Lab
The University of Michigan REU at CERN
Lloyd V. Berkner Space Policy Internships Summer
Biomedical Sciences Summer Undergraduate Research Fellowship (SURF) Program
Quantitative and Physical Science Summer Undergraduate Research Fellowship (QP-SURF) Program
Oak Ridge National Laboratory (ORNL)
Yale CRISP MRSEC REU fellowships at Yale/SCSU
University of Notre Dame Summer REU in Physics
CCT REU: Interdisciplinary Research Experience in Computational Sciences
LA-SiGMA REU: Interdisciplinary Research Experiences in Materials Science
Navy Internship & Scholarship Opportunities:
- Naval Research Enterprise Internship Program (NREIP)
- Science, Mathematics, and Research for Transformation (SMART) Scholarship
SULI/CCI Program Paid Internship
Summer Undergraduate Research Fellowship (SURF) Program
Quantitative and Physical Science Summer Undergraduate Research Fellowship (QP-SURF) Program
Summer Undergraduate Research Institution for the Study of Kidney Disease (SURISKD) Program
U.S. Department of Homeland Security (DHS) 2015 HS-STEM Summer Internships
St. Jude's Pediatric Oncology Education (POE) Program
Society of Physics Students Internship at NASA
Society of Physics Students Internship at NIST
Society of Physics Students Internships
This page uses PDF files, a free reader is available at https://get.adobe.com/reader/.


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Getting into a coveted college isn't always easy. At Sylvan, we recognize the value of high admission scores. At Sylvan, we know how to help students prepare for admission tests and maximize their scores. Our personalized ACT prep program in Oak Harbor focuses on helping your teen master important test-taking skills in order to reduce stress and improve confidence come exam day. Above all, our hands-on program is proven to boost performance and lead to better scores on the ACT!
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We enjoyed a coffee and snack in the cafe overlooking the lagoon before heading for the changing rooms.
The lagoon was gloriously warm but in order to get into the water you had to leave your wrap and shoes on a hanging clothes stand and walk speedily into the water before you got too cold.
The sun coming up and the steamy geyser in the centre sending up lots of steam.
Around the lagoon edges there were boxes full of salty slop which you could put on your face . It dried white and crisp and then you carefully washed it off trying not to get it in your eyes. It was meant to help your skin look great.z
The steam made the whole place slightly eerie looking. You had to swim splash free as the salty water would make your eyes sting but the salt kept you floating easily if you just wanted to lie back and float.
You had to be careful not to stay in too long as warm salty water is quite dehydrating. When we out out we had plenty of water to drink.
The changing rooms were sleek and clean
Looking out over the lagoon from the cafe where we had lots of water and something to eat.
Outside the Blue Lagoon there were thermal pools and beautiful blue water with salty crystals at the edges.
Thermal pools and volcanic scenery around the Blue Lagoon.
Snow crystals around the thermal pools.
Volcanic rocks surround the Blue Lagoon.


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Snacky Dogs
Six Pack of Snacky Packs
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This pre-paid Snacky Pack plan will ship one pack monthly for 6 consecutive months. Each Snacky Pack is stuffed with a fun assortment of freshly hand-made snacks made from human-grade ingredients. We use organic ingredients when available and source locally whenever possible. Our whole food based treats and snacks do not contain preservatives, artificial dyes or colors, or artificial flavors.
Choose between Vegan (no animal ingredients), Vegetarian (may contain eggs, dairy, and/or honey), or the Omnivore (anything goes)! We can customize your Snacky Pack to accommodate any dietary issue, just let us know when ordering!


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remember these? yeah, I was going through more boxes and found more fabrics and said hmmm........if one is good, MORE is better, right? so I spent about an hour choosing coordinates and cutting out enough to make a total of 8 crayon rolls. they will be nice to have on hand for occasions. see the 2 white background ones? these are fun and look like they are Australian. they say Merry Christmas with kangaroos and one with Koalas. cute cute! (thanks again Julie Rose!)
this is what it looks like all rolled up and filled. nice and tidy way to store crayons
this is what the inside looks like. I used a "dark" liner fabric because I am envisioning when crayons slide in and out they will rub off color. I thought it wouldn't look as bad on a dark fabric.
easy peasy and actually fun. hmmmm..... pillowcase, crayon roll, coloring book or drawing pad, the start of something fun..........
I want one. Do you think I can alter it to hold a 64 pack of crayons????? I ALWAYS wanted one of those!!!!!! LOL
Besides, WHO DOESNT LOVE TO COLOR??????
hope this is a fun project for you too......into the Christmas box you go my pretty...
(oh yeah, wrong holiday...... I must be in Halloween mode)


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The Garmin-Sharp team were left licking their wounds after another disappointing day in the year's Tour de France, with Ryder Hesjedal and almost all of his teammates affected by the mass pile-up on the stage to Metz. It proved too much for Tom Danielson, a crash victim from earlier in the week, with last year's top ten rider abandoning the race. However it was the sight of Ryder Hesjedal on the ground that will have caused the team the most heartache. The Giro winner had been seen as a potential rival for Cadel Evans and Bradley Wiggin in this year's Tour but lost over 13 minutes. The Canadian was later treated on the team bus, which one Garmin spokesperson called a hospital after several race medical staff were called to on board to treat riders.
Two hours after the finish it was unclear whether Hesjedal would continue in the race but along with Danielson's abandonment, Johan Vansummeren was taken to hospital with an injured shoulder, while David Millar and Christian Vande Velde were also treated for minor injuries.
With Hesjedal's overall ambitions over and his race in the balance the team will now have to focus on stage wins, a task made even harder with Tyler Farrar already nursing cuts and bruises from several crashes in the last few days.
"It was a disaster day for us," said Allan Peiper. "It's very disappointing for us all-round over the last few days. It's definitely a week to forget and sometimes it just doesn't work. We've got so many guys who are injured, we'll have to take stock tonight and see who is capable and who is not. Vansummeren was looking dazed on the ground and it looks like he might have something wrong with his shoulder. We'll see what the doctors say and see tonight."
Peiper, a seasoned ex-pro himself, is of course no stranger to crashes that can often affect racing but in both his time as a rider and subsequently as a directeur sportif he admitted he had never seen such an extensive list of walking wounded on one team and was clearly shaken at the finish when talking to the press.
"I've crashed three times in a week before as a rider but I've never been in a team or involved in a team that's had so much bad luck in the first week of a race. I think it's just bad luck has come our way. That's it but we've lost most of our chances for everything in this Tour de France."
Garmin had hoped to turn a chapter on the stage to Metz. After a relatively successful prologue for Hesjedal, the team has endured a difficult Tour. Crashes aside the team was the centre of a speculative – later to be proven untrue – story surrounding USADA's investigation into US Postal and Lance Armstrong. At the start of stage 5 Jonathan Vaughters, who did not attend today's stage, was forced to read out a public statement. Peiper was asked by Cyclingnews if Thursday's ordeal had affected the team's morale and focus.
"I'd like to think not but you never know how things affect people," he said.
"I think in the last few days Danielson, Farrar and Hunter have been pretty bashed up. Vande Velde crashed as well and we had the back luck before. I thought we might be able to salvage something but it doesn't seem to be the case.
"I can't really see what a successful Tour would be from now. Everybody was down. Everybody was down."
Daniel Martin, who has come through the first week relatively unscathed, could be the team's main hope. Although down on the overall, the young climber is their most talented and healthy option for the mountains.


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Sleeves are a beautiful option for many brides, but with winter threatening the Midwest at any turn, they can be a necessity. Here are some gorgeous wedding options for those chillier days! Tadashi Shoji Off the Shoulder We love the look of this caped beauty without it giving us an ... VIEW POST
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Does the idea of a backyard wedding make you cringe and think of plastic tablecloths and sporks? It most certainly does not have to. Wisconsin is a beautiful location for a backyard style wedding. With sprawling stretches of land with stunning views of the many lakes, Lake Geneva backyards are ... VIEW POST
6 Wedding Event Dresses that are Extraordinary
One of the easiest issues to overlook when planning a wedding are the numerous ensembles one needs between the many, many events that lead up to the wedding. From your engagement party, engagement photos, rehearsal dinner, bachelorette party, and bridal shower - you have many different important ... VIEW POST
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While silver and gold or red and green spring to mind when considering winter color palettes, we like to play more on the decadence of winter. Burgundy and gold play off each other for warmth and luxury. Whether enveloping your theme in the two colors or merely using them as accents, they can be ... VIEW POST
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In today's post, I would like to talk about homemade natural cosmetics. I have been experimenting ever since September 2014 and I am now a devotee to couple of interesting and easy to make substitutes for store bought in products. I am not completely converted yet, as I still use make-up products but then you have to start somewhere and in my repertory of daily use of products, I now use natural soaps and shampoos, homemade antiperspirant and natural body butters. I even tried to intensify my natural hair colour with some homemade solutions. I will try to cover each of these topics in the next series of posts.
But today, I will show you how to make your own body moisturizer or body butter. Which is very simple to make and honestly a great product. For me this is it, I will never buy a body lotion/butters or other similar product from the shop. No need, this does the job soooo well and it is all 100% natural!!
So what you need to know is the ratio. And this vary slightly from recipe to recipe but not too far. You need 70% to 75% of solid butter (e.g. shea, mango or cocoa) and 25% to 30% of liquid oil (e.g. coconut, hemp, sweet almond, olive, avocado, etc.) So for example: 1½ cup of shea butter and ½ a cup of coconut oil liquid or solid (depending on where you live, both work just fine). This was the ratio I used for my very first body butter and I can confirm, it works!! To this, I then added couple drops of vitamin E that helps to preserve it. And this lasted me for months!
However, today, I would like to try something new and I will make two small batches rather one large. My ratio for this will be: 50% shea butter, 25% coconut oil and 25% either hemp or sweet almond oil and I will add some essential oils for scent.
I have decided to try to use the hemp oil as it is known to treat redness, cracked and dry skin. And the sweet almond oil as it is overall nourishing and it helps to soothe skin's irritations and inflammations. I will let you know in my next post, whether there is a difference in results of the two products. But, then… you need to know, that there is no one simple solution for all. So you need to try different oils to find which one suits your needs best.
Ingredients for one small jars:
When it comes to essential oils, it is a rather personal choice. Here, I am using a lemon eucalyptus for its lovely smell, but you can also use: lavender, sweet orange, tea tree, rosemary, lemon, etc. This is where you can really personalise your cosmetics.
How to:
- But the butter and oil in a glass bowl and place it in a pan of simmering water until all is melted and combined together.
- Add either hemp or sweet almond oil. Mix well.
- Cool it down and put in a fridge until it all sets back together.
- When ready, add the vitamin E and the essential oil.
- Whisk with an electric mixer until it looks like a whipped cream.
- Transfer to a jar and enjoy!
The reason I ever started to think about natural cosmetics, was because I have a very sensitive skin prone to reactions. Whether it is due to cold weather outside or dry air inside, stress or actual reaction to chemical ingredients, I tend to get these dry itchy patches. And these are no fun to look at nor to live with. And the products bought from the pharmacy did little at best and mainly nothing at all but yet they are very expensive. So I started to read about homemade solutions and it turned out, there are many people who either have a similar skin problems or want to simply give it a go to this natural idea of products and have now as I have their life changed. There are many blogs out there and many personal journeys… so I invite you to do your own little research and who knows you might end up creating your own range of cosmetics as it happened to me. Here are few blogs that are worth exploring: Rawmazing, Wellness Mama and a Facebook group for Polish readers Kacik Kosmetyczny.


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Thomas Grumbly serves as President of Supporters of Agricultural Research (SoAR) Foundation and is a member of the Foundation's Board of Directors. Mr. Grumbly has held senior leadership positions across government, non-profits and industry over the course of his 40-year career. Read More
Andrea Putman is Vice President at the Supporters of Agricultural Research (SoAR) Foundation. Previously, she was Director of Higher Education for MomentUs at ecoAmerica, a non-profit that uses research and strategic partnerships to create large scale engagement programs that build awareness and action for climate solutions among mainstream Americans. Read More
Tod Desmond is the Director of Administration at SoAR Foundation. He also teaches philosophy and religion as an Adjunct Professor at The College of Southern Maryland. Read More
Tim Fink is Director of Research and Policy Analysis for the Supporters of Agricultural Research (SoAR) Foundation. Prior to joining SoAR, he was Project Manager for the 25x'25 Alliance where he led collaborations between government agencies, non-profits, academia, and private industry that produced reports on topics such as agricultural adaptation to climate change and rural renewable energy policy.
Read More
Burness is a global communications firm supporting nonprofits and the people they serve. Since 1986, they have sought to empower people with information that can be used to improve the human condition and advance social change.
For 30 years, the Russell Group has helped clients succeed in Washington. The Russell Group team's expertise includes child nutrition, food safety, agricultural research, animal health, and production agriculture.
Clifford Gabriel has over 30 years of research and science policy experience. He has served in senior Federal positions at the National Science Foundation (NSF), the Environmental Protection Agency (EPA), the Office of Science and Technology Policy (OSTP), and the Department of Agriculture (USDA). He also held positions at the American Institute for Biological Sciences (AIBS) and the National Research Council (NRC). Read More
Gail Pesyna serves as a development consultant for SoAR. She retired in 2014 as Vice President, Human Resources and Program Management at the Alfred P. Sloan Foundation. Prior to joining the Foundation as a Program Director in 1996, Gail spent much of her career at the DuPont Company in its "high tech" businesses...Read More
Carol Scheman is a senior advisor to the President of the Department of Defense's academic health center: The Uniformed Services University of the Health Sciences where she was formerly the University's first Vice President for External Affairs. There, she directed the University's relationships with many different communities such as governmental agencies and the U.S. Congress. Read More


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We're huge fans of Crane & Canopy here at L&W. Not only is the quality of Crane & Canopy sheets unmatched for it's price but they have a variety of colors and patterns that our designers love! We invited Crane & Canopy's founders Karin and Chris to answer some burning questions we have about bedding, and we learned a ton about the textiles we spend most of our (sleeping) hours in!
L&W: What does thread count mean? Should we go for the gold with 800 count or is 350 sufficient?
Karin & Chris: Thread count is a good indication of what you are getting in bedding, but does not provide the entire picture. A high-quality sheet that will last you for years to come will be between 300-430 thread count. Be wary of anything above 430, or brands that claim premium products but leave off thread count numbers online or in-store. To achieve thread counts higher than 430, bedding manufacturers often times use creative weaving and counting methods that do not necessarily result in a higher quality fabric.
L&W: Whoa, good to know! What is the difference between Egyptian cotton, flannel, jersey and regular cotton?
Karen & Chris: Jersey and 100% cotton are lovely fabrics for warm summer nights. At the end of the day, it all comes down to personal preference. Jersey breathes and insulates well, but does have some disadvantages. It wears out quickly, stretches out and retains body odors. Also, be wary of polyester (such as bamboo) or polyester-cotton blend fabrics, as they do not breathe and can stick to the skin when you sweat. 100% cotton is incredibly cool and breathable.
As for the Egyptian Cotton label, Egypt has a long history of growing and exporting high quality cotton. For over 100 years, Egypt was known for its best in class extra-long and long staple cotton blends. However, in the last two decades, Egypt has started growing and exporting all types of cotton. As a result, the term "Egyptian cotton" has become a misleading term: when you purchase sheets made from Egyptian cotton, they could be of all staple length (from short to extra long). When shopping for linens, look for terms like "long" and "extra long" staple cotton, especially when searching for sheets. These days, fine extra-long staple or long-staple cotton can be grown anywhere around the world.
L&W: How often should I replace my bedding? I want to make seasonal choices, but I want to make sure I'm still buying for quality!
Karen & Chris: Great bedding should last you a decade, but that doesn't mean you should wait that long. Your bedding is the biggest statement you can make in your home. New trends come and go. Keep it fun and stylish and change it out every year!
L&W: My mom always told me to wash my sheets in the hot water because it kills bacteria, but I feel like that's breaking down the fabric! What do you recommend?
Karen & Chris: You are correct. We spend 1/3 of our lives in bed so it's important to keep your bedding clean and comfortable. Wash your sheets and shams once a week. Set your washer to cold and use a mild detergent. When possible, it's always best to air dry your linens because harsh heat can hurt the premium cotton fibers in your bedding. If machine drying is the only option, use low heat settings like delicate or permanent press.
L&W: I'm nervous about buying textiles online. What should I look for to make sure I don't end up with sandpaper for sheets? Any helpful tips?
Karen & Chris: When it comes to purchasing luxury bedding, stick by this rule: buy the best you can afford. When shopping for new sheets and duvet covers, pay close attention to the material, thread count and fabric construction. For the most luxurious feel, look for bedding made from 100% cotton in a thread count between 300 and 400 with a single-pick single-ply sateen weave.
L&W: What's the trick to keeping pillows at optimal fluffiness?
Karen & Chris: Throw them in the dryer every other week for a half cycle to take out some of the moisture and dust. You should also replace your pillows about every six months or use a pillow cover protector, which not only keeps your pillows clean and fresh but also extends their life.
L&W: What's an overlooked way of styling a bed?
Karen & Chris: Almost 40% of Americans no longer sleep with a top sheet. These days, the only function of the top sheet is that it ends up as a tangled mess at the foot of your bed. If you use a high-quality cotton duvet cover, which protects your comforter, ditch the top sheet for a cozy night's sleep and a no-fuss morning when making your bed. In addition to selling their sheet sets without the top sheet, Crane & Canopy has come up with the perfect bedding solution that is part duvet cover, part top sheet so you can say goodbye to your top sheet and still achieve the look of a perfectly layered bed.


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Here we go again…You've heard enough about this particular event, I have been promoting since before this blog existed. Re:Fresh is going down this Saturday for the closing ceremony of June's Pomona Art Installment. Two weeks ago the party was pretty epic, this week should reflect a similar story.
Re:Fresh (Pomona) June 25th
by Mike Styles Uncategorized • Tags: African, ART, Batucada, Beats of All-Nations, Black Rio Movement, Bossa Nova, Brazilian, Cuban, Dance, Electronic, Experimental/Psychedelic, Funk, Hip Hop, Jazz, Latin, Mexico, Middle Eastern, Nigeria, Nu-Jazz, Nuyorican, Salsa, Samba, Shows, Social/Political, Soul, Spiritual/Inspirational, Strictly Beats, Tribal, Tropicalia, World


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Keep on Believing: A Cinderella Story
- Where Dreams Come True, Book 4
- Narrated by: Paula Slade
- Length: 6 hrs and 16 mins
- Unabridged Audiobook
- Release date: 11-14-16
- Language: English
- Publisher: Marie Higgins
- Whispersync for Voice-ready
Publisher's Summary
Taking some of the family's jewels, Ella Spencer and her brother left the kingdom in the dead of night, escaping the clutches of their evil stepmother. Ella realized they need a different life than one of a servant. Now living in a new kingdom, Ella believes this is where they can start over again. So far, it's working - until her brother's school teacher starts poking his nose into their business. Ella cannot tell him the truth, yet deep down inside, she feels that he might be her Prince Charming after all, and be the one who will save her from danger.
Christopher Morgan is hiding secrets that he never plans to divulge. The sister of one of his students intrigues him, and he can't keep from wanting to know more about her. When a man comes around asking questions, Chris fears Ella is not safe and he needs to protect her. But he finds that he is the one in need of a dream-come-true. Can he hope that Ella will be the one to rescue him out of his life before these secrets destroy him?
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- Haddie H.
- 04-16-17
Great story
What was one of the most memorable moments of Keep on Believing: A Cinderella Story?
When Mr. Morgan was trying to speak with Billy after the fight with Nate and Billy almost told the truth about his father's death. I was in tears.
What about Paula Slade's performance did you like?
There were some moments when I felt the narration was lacking. The first several chapters lagged. It went a little too slow. I even stopped listening for a while because I felt a little bored. But once I pushed passed it, I picked it back up and listened the rest of the way through and really enjoyed it.
Was there a moment in the book that particularly moved you?
Definitely the ending. And the part when Ella was trying to comfort Billy after he told her he couldn't keep the secret anymore.
Any additional comments?
The audio was crystal clear. As mentioned above, the first chapters felt lagging and slow, but all in all, I did enjoy the book.
1 of 1 people found this review helpful
- nica
- 02-01-17
Great Dream Visit!!
This really made me escape to a world where everything is a happy ever after! I was caring for my hubby post op and this was one of the audiobooks that made me forget my troubles for awhile. Thank you!!! <3
1 of 1 people found this review helpful
- Rose
- 10-10-17
An okay fairytale retelling
"Keep On Believing" is a retelling of the well-known fairytale "Cinderella". While I admit the concept was intriguing, I can't make up my mind how well I think it was done.
Ella Spencer, a young woman in her early twenties, takes her ten-years-younger brother Billy and runs away from their step-mother Rodmilla's house to set up house on their own in another kingdom. While there, Ella meets Chris Morgan, the unruly Billy's teacher, and finds herself swept off her feet. Trouble awaits them in the form of secrets they both have regarding their familial backgrounds, not to mention agents of the evil Rodmilla seeking to bring Ella and her brother "home". Can their love overcome the shock of truth, or will the strain be too much for even "true love" to survive?
Having listened to the audiobook version of this book, I can't comment on the spelling or punctuation, but otherwise, the writing mechanics were decent with good sentence structure and varied word choice. There were a couple of things that the author restated multiple times throughout the book in a way that seemed like she thought she was providing me with new information, rather than simply weaving that information into the narrative, which was a bit annoying. Also, there were continuity errors regarding how much time had passed since Ella and Billy had run away, how long it had been since their father died, and even how old Chris was at the time of his mother's death, which really made me wish the author had run her story by an editor for something more than light proofreading.
The "unbelievably-beautiful girl and unbelievably-handsome guy fall in love at (almost) first sight" aspect of the plot felt a little cheesy, especially combined with some of the "time froze" types of narrative, but I'm still getting used to someone else reading the book to me instead of reading it myself, so I might have felt differently if I had been giving the words my own emphasis. I kept grinning in amusement and then rolling my eyes, followed soon after by grinning again. That said, I was somewhat frustrated with the first part of the book and almost stopped listening, but when some action finally showed up in the second half, I started liking it better. The ending did have something of a "deus ex machina" feel to it, but I suppose that is what magic tends to do a book.
I thought Paula Slade did a decent job narrating the story. The voices were distinct (she did an excellent snooty voice for Rodmilla), and she was not simply reading words off a page but giving them some expression. Some of the words she emphasized seemed awkward to me, though.
Overall, because of the continuity errors and some of the annoying parts about the writing, I'm giving this audiobook three stars. I guess I really am more of an action girl who enjoys a little romance mixed in rather than a straight "romance" reader, so someone who loves the romance might like this story better.
I received a free copy of this audiobook from Audiobookworm Promotions in return for an honest review. The gift of this audiobook did not affect my opinion of it.
- KateB
- 08-27-17
Great version of Cinderella without a prince
Would you recommend this audiobook to a friend? If so, why?
I would definitely recommend this tory to a friend. It has everything a good audiobook needs: an enchanting story and a great narrator.
What other book might you compare Keep on Believing: A Cinderella Story to and why?
It is difficult to compare different books. Each is unique due to a writer and a narrator working together to make the story shine.
What does Paula Slade bring to the story that you wouldn't experience if you just read the book?
I loved Paula Slade' narration. She infused each character with emotions and made them very real. You could feel their pain and fears expressed in her voice. I would like to listen to more of her narrations.
Was there a moment in the book that particularly moved you?
There were more than one moment that moved me. One of them was showing Billy as a lonely and traumatized kid he really was.
Any additional comments?
I enjoyed the story very much. It was well written, with interesting and well developed characters. They were not one dimensional fairy tale figures, but seemed like real people with their fears and struggles to overcome traumatic past. The bad stepmother was really evil, and not all magic was used for good. Luckily as in a fairy tale, villains were punished and heroes and heroines got their HEA.
Highly recommended.
- Between the Coverz
- 06-03-17
An enchanting remake of an old fairy tale!
If you could sum up Keep on Believing: A Cinderella Story in three words, what would they be?
Keep on Believing is a retelling of the fairy tale Cinderella. Ella and her brother run away and create a life for themselves away from their evil stepmother. The burden of the secrets starts to become too much and has the potential to come out sooner rather than later. Christopher, Billy's teacher (Ella's brother), has his own secrets that he keeps hidden away. When the two come together the sparks fly.
Keep on Believing was an enchanting and charming well-written story. It was a unique and different twist to an old fairytale. There was just the right amount of action and romance to keep my interest piqued. This author really knows how to spin the fairytale to keep you entertained and intrigued from the beginning to the end. The characters were well developed and engaging.
What about Paula Slade's performance did you like?
Paula Slade did a great job with the narration. She had a clear and crisp voice that was easy to follow. The narrator did a good job with the distinct differences for each of the characters. Ms. Slade did well with bringing the story to life.
Any additional comments?
This is the first book that I have read by Marie Higgins and will certainly not be my last. I was not disappointed at all. I recommend Keep on Believing to anyone that enjoys a quick light read that will keep you entertained and have you believing in happily ever after.
- The Book Junkie Reads . . .
- 03-29-17
One fantastic fairy tale twist . . .
One fantastic fairytale that turns heads and changes things around with a few twist, en evil step-mother, spells, magic, a teacher, a brother, a sister, a friends, and lots of misdirection and half truths. This was one fairytale that was full of fun and not the expected.
Voice and sound quality were light and airy and allowed for me to feel consumed in the time period.
- A Miller
- 01-01-17
A somewhat one-dimensional tale
Would you recommend this book to a friend? Why or why not?
As a light, fairly quick (as audiobooks go, anyway) read, I'd recommend this.
What was the most interesting aspect of this story? The least interesting?
I liked that the 'Cinderella' in this story wasn't the stereotypical wealthy-daughter-turned-servant. I was disappointed by the lack of character development.
What does Paula Slade bring to the story that you wouldn't experience if you just read the book?
Ms. Slade was a great choice to narrate this book. She handled what seemed to be typos as smoothly as could be expected and the different voices for the different characters were very well done, especially Darby's.
Do you think Keep on Believing: A Cinderella Story needs a follow-up book? Why or why not?
Nope. It was wrapped up pretty well at the end. I wouldn't mind reading this author's version of other fariytales, though.
0 of 1 people found this review helpful


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2 more workdays before vacation starts! Yeay! I told a friend yesterday that I feel calm and that I've actively decided not to be stressed out over the fact that I still have a ton of work to get through, and that anything left on Thursday afternoon, just have to wait until August! Well, today I'm not so calm anymore and I feel a bit stressed! 😜 But! I'll still have that goal in sight; no stress (or at least as little as possible) and some issues just have to lay dormant until I'm back! If it's not emergencies because those issues I'm handling although being on vacation!
Mini me is attending her last day at kindergarten tomorrow before going on her summer break, and she's super exited. 7 weeks off! I'm not sure she'll be that exited on Monday though when she realises she won't be playing with all her friends all day long as she does at kindergarten. But I'm planning play dates already so I hope she'll have fun either way! ❤
How are you spending your summer?
Laters babes!
Over and out


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Picture taken from here
Yesterday I couldn't find my N810. The hunt started on Sunday night and was reinitiated yesterday morning. No N810, nowhere in sight. As the night waned on yesterday I renew the hunt. It was like I was looking for the great pumpkin Charlie Brown. Eventually it was found where you always expect ot find these things, behind a cushion on the couch.
This device (even when I don't use it) has become so integral to my daily life that I flipped out more over that missing then I have or missing a wallet or cell phone for an extended period. It may be the cost of the device, but I think it's more the functionality and freedom it gives me (I'm sure it didn't help that I was in the middle of Cory Doctorow's Little Brother E-Book).
It's strange since i could go for weeks without seeing my ipod or my Palm TX, two things that this has replaced. Now it's working on becoming the extension of myself that fills the gap when I'm away from a laptop or computer.
I'm quite happy with it.


text: Sherman College of Straight Chiropractic Save to list Boiling Springs, SC, USA 3.00 Average Rating Overview Institution Type Private Not for Profit Coed See your fit Level of Institution 4 Year Campus Setting Suburb What Students Are Saying 3.00 Average Rating Teacher really teach the material and care for the students. also have counselor really following you through the program. Feel like one big family and accepted right away :) Clement from Spartanburg, SC Sherman College is one big family of principled, philosophically driven chiropractors. The professors all know you by name and genuinely want you to succeed. The small, intimate classes make it easy to ask questions and succeed. Danielle from Spartanburg, SC Read all reviews Similar Colleges Savannah State UniversitySavannah, GA 3.86 Average Rating Palmer College of ChiropracticDavenport, IA 3.75 Average Rating Central Michigan UniversityMount Pleasant, MI 3.91 Average Rating Cleveland University-Kansas CityOverland Park, KS 3.42 Average Rating North Carolina State University at RaleighRaleigh, NC 3.94 Average Rating Allen UniversityColumbia, SC 3.98 Average Rating Charleston Southern UniversityCharleston, SC 3.40 Average Rating Citadel Military College of South CarolinaCharleston, SC 3.69 Average Rating Coker CollegeHartsville, SC 3.39 Average Rating Florence-Darlington Technical CollegeFlorence, SC 3.24 Average Rating Francis Marion UniversityFlorence, SC 3.70 Average Rating Sherman College of Straight Chiropractic Save


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When I was young, I would eat Surf and Turf.
There was no Pokemon, Potter or Smurf.
This meal was great and it might prevent scurf.
There were no gigantic squirt guns or Nerf.
I could have baskets of golden fried shrimp.
I wouldn't feed what's now caught to a chimp.
These shrimp were juicy and tasty, not limp.
They must think we are all some mental gimp.
Toys cost us pennies and sharpened our minds.
We hopped them up with our desperate finds.
These are all gone and were all different kinds.
This is beside all the food that now blinds
People to nature, all of it doped.
I wanted airplanes with that and I hoped
I'd make them fly or I desperately moped.
I don't know how, but I made them and coped.
Nothing today is so very much better.
We tie the racing cars up with a fetter.
Someone should write them and say in a letter
We want as fast as they go for go getter.
I got around a lot and I watched races.
Stock cars were stock or they spat in your faces.
Now you can't read that much and all the traces
Of what your dad drove are just cosmetic graces.
I never cared much for barbecued pork.
I had the best in the South at a fork.
It won't behave in a bun from New York.
It needs a bottle and spoon and a cork.
I saw the fastest car in the whole world.
It was all white and it whirled and it whirled.
It was a shoe box and nothing was curled.
It was called Chaparral, flag all unfurled.
June 21, 2007 Stephen Blumenkranz
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At Nintendo's E3 Digital Event, the company revealed its new release "Amiibo," a series of figures that will be compatible with games like Super Smash Bros., MarioKart 8, and more. The characters will interact with the Wii U gamepad directly, and transfer data back and forth between the system and the figure. "Amiibo" figures will be available this holiday season.
Stay tuned to NextGenerationGamer for the latest E3 news!


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The other day, I was at a meeting in Springfield, MA and a city planner asked me the question, "What are you [the Pioneer Valley Transit Authority] doing to attract new bus riders?"
His question was spurred on by a lot of things happening in Springfield that would benefit from having more people ride the bus – the development of the MGM Casino in downtown, bringing thousands of more people in the congested city daily; the recent adoption of the city's Climate Action and Resilience Plan; increased interest in transit from the local Pedestrian and Bicycle Committee; the pain of the last round of cuts to the bus system, and the looming threat of yet more.
As I formulated an answer, I was reminded of something that David Block-Schachter, Chief Technology Officer at the MBTA said on a panel a few months ago. In response to the question of, "How do you improve the customer experience for bus riders?", he responded with something like (I'm paraphrasing):
"You know, riding the bus is pretty unpleasant. You get to the bus stop and maybe it's too hot or too cold out, or raining. You stand there waiting for the bus to come and hope it's not locked in standing traffic. You get on the bus and you're shoulder to shoulder with strangers, some of whom might be coughing or sneezing or smelly."
Since then, Elon Musk has raised the ire of many transit professionals for voicing largely the same points. At a tech conference earlier this month, he said (via Wired):
"I think public transport is painful. It sucks. Why do you want to get on something with a lot of other people, that doesn't leave where you want it to leave, doesn't start where you want it to start, doesn't end where you want it to end? And it doesn't go all the time."
"It's a pain in the ass," he continued. "That's why everyone doesn't like it. And there's like a bunch of random strangers, one of who might be a serial killer, OK, great. And so that's why people like individualized transport, that goes where you want, when you want."
While Elon Musk was using this criticism as a basis for dismantling public transportation, Block-Schachter used it as a launching pad for ways to improve the customer experience. He explained ways that transit agencies can reduce the bad parts about transit and enhance those reasons why, despite the "pain in the ass" of doing so, millions of Americans take transit every day.
Toward Better Buses
Despite the obvious problems and annoyances that come with riding transit, people still do so, and indeed do so every day. Why? Well, here is why I ride the bus:
- I save a bunch of money by taking the bus or biking (I wrote about that here – roughly $5,000 per year)
- I help the environment by not driving.
- I get to read on the way to work.
- Occasionally I get to chat with a coworker who also rides the bus.
- I hate driving.
- I hate parking.
I'd like to think that those reasons are enough to convince most people to bike, walk, or take the bus to get where they're going, but alas, 88% of workers drive to work in the Pioneer Valley. So how can we make the bus more attractive?
The Livable Streets Alliance out of Boston has a campaign called the "Better Buses" initiative, which states that a better bus:
- Provides consistent, reliable service on a network of streets where buses are given dedicated right of way.
- Improves safety for bicyclists and pedestrians by traveling in specific, predictable lanes with platform-level boarding.
- Stops at enclosed bus stations that welcome riders with real-time data and device-charging stations.
- Appeals to all commuters because of its reliability, speed, comfort, and cost.
These are all great suggestions. But I have two other thoughts.
Transit Needs Density (and Vice Versa)
The way we build our cities dictates the level of transit use. Elon Musk is right that most people will always choose to drive themselves because of all the annoying things about using transit. Cities should be designed, from the building density to the roadway layout, to encourage transit if you want people to use it.
Cars are fundamentally incompatible with cities due to simple geometry: cities exist so that people can be closer together to share ideas, and pool resources for things like infrastructure, stores, workplaces, etc. Cars, on the other hand, require that things be spread out so that they can easily navigate at high speeds, and will have a place to be stored (i.e. parking). Cars and people have fundamentally opposite needs, and it's a simple matter of geometry, not values or opinions.
Transit Must Be Sexy
It's no coincidence that car companies have ads all over the place showing rugged men in trucks, or attractive Millennials in crossovers, or whatever. Car companies have invested a huge amount of money selling cars as a lifestyle, not just a way to get where you're going.
I've always thought that things like T: The MBTA Musical, or the Twitter account @OptimistMBTA are doing a great marketing job of normalizing the MBTA as the default way of getting around Boston. Sadly, the PVTA doesn't have any similar level of cultural presence, though could benefit greatly from that kind of media exposure. People need to be reminded of why they should ride transit, because otherwise they're being hit over the head constantly of why they should be driving.
Of course, cultural cache and urban design aren't really within the control of a transit agency. I at least have hope for Springfield, however, that some of the issues that are within their control can be engineered to the benefit of the bus service. So many goals, from the economic to the environmental, will be furthered by doing so.
**Note: These views are my own and in no way reflect the opinions of the Pioneer Valley Transit Authority.


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Eva Peron, a former actress and the wife of the Argentine president Juan Peron, kicks the first ball at a children's football match in Buenos Aires. Despite suffering from uterine cancer, Evita, the most influential figure in Argentina, showed no signs of giving up on her political career. With huge support from the nation, she attempted to stand as her husband's vice-presidential running mate in the 1951 elections. But Juan refused to endorse her and she was forced to withdraw. From then on, her health declined rapidly. In November, Juan was re-elected; eight months later, on July 26, 1952, Evita died, aged 33.
How much is... breakfast in bed?
UK Claridge's, London — £19.50
Germany Hotel Adlon Kempinski, Berlin — £18.24
Brazil Fasano…


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In September, you will be voting for your representative on the Michigan Realtors® board of directors for the District 9 seat. I am respectfully requesting that you re-elect me to a second term.
13 years ago I married a new immigrant from Ukraine who chose to become a Realtor® as he invented his life in America. He could not drive, so I took him to the classes and decided I may as well get my license too. Neither of us had ever owned a home and I hadn't lived in the Metro Detroit (or the US) for 20 years -- the odds were against us. But we worked hard and built a successful business. I know our success was made possible by other Realtors® who volunteered to form our local, state and national associations, and I have always felt compelled to give back to our industry.
I am proud to be a Realtor®. Not just because of the life it has helped my family to create, but because of the dreams we help our clients fulfill and the work Realtors® do to protect home ownership. Our advocacy efforts make the American Dream possible. Our Code of Ethics shows the strong commitment we've made to professionalism.
I've grown as a leader with MCAR, GMAR, Michigan Realtors®, NAR and WCR and was honored by GMAR as Realtor® of the Year in 2015. I am a proud graduate of NAR's Leadership Academy. My commitment to our advocacy efforts is strong and I have been a major RPAC investor for many years.
I've been honored to be a miRealSource/Hour Magazine Real Estate All Star; Top Innovator, Women's Council of Realtors®; Trulia Mayor; speaker at Inman Connect; featured as a Woman in Leadership by WCR; and a Featured Attendee for NAR Annual and NAR Realtor® Party Convention and Expo.
I have served as:
Director, National Association of Realtors®, 2014-present;
Director, Michigan Realtors®, 2015-present;
Co-Chair, Michigan Realtors® Leadership Academy, 2015;
Member, Michigan Realtors® Public Policy Committee, 2015;
Delegate, Michigan Realtors®, 2013-2014;
Director, GMAR 2009-2015;
President 2014, President Elect 2013, Secretary/Treasurer 2012;
Chair, GMAR Leadership Evaluation Committee, 2014;
Member, GMAR Executive Search Committee, 2013;
Member, NAR Communications Committee, 2014-present;
Member, Realcomp Shareholders Committee, 2014-present;
Alternate Governor, Realcomp, 2013;
Co-Chair, Grievance Committee, 2011;
Vice Chair, Grievance Committee, 2010;
Member, Grievance Committee, 2006-2011;
Steering Committee, Habitat for Humanity Women Build, 2015-present;
President Elect, Birmingham Bloomfield Women's Council of Realtors®;
Member, Zoning Board, Beverly Hills
Volunteer, US Peace Corps Ukraine
I ask for your vote for the position of District 9 Director, because as someone who helps people buy and sell real estate every day, I know what is important to you and all Michigan Realtors®.
Return to elections home


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10 Reasons to Hang Up the Phone When a Stockbroker Says...
I often wonder how a person who drives across town to save $10 on a major appliance can be the same person who in the span of one telephone call will write a substantial check to a complete stranger to purchase an investment. Stockbroker "cold calls," as they are known, often originate from distant locations and tout stocks typically unknown to you. What may sound like a great, no-lose deal on the phone may turn out to be your worst financial nightmare.
The securities industry is one of the more highly regulated industries in the country. Unlike a used car salesman, a stockbroker must pass a series of examinations and be licensed by the state. He has to adhere to state and federal law that governs his conduct, as well as rules of the National Association of Securities Dealers ("NASD") and the New York Stock Exchange ("NYSE"). The NASD and NYSE have specific rules designed to reign in a stockbroker's communication with the public during a "cold call," for example.
Yet, no one is on the telephone with stockbrokers and their clients or potential clients when a sales pitch is under way. The stockbroker is required to act in your best interest, however, that paradigm stands in raging conflict with the reality that a stockbroker is paid based on how much he sells -- even if he has a title like financial adviser. In the future, before you whip out your checkbook and excitedly write a check and send it to the stranger on the other end of the line, keep your ears open the following "red flags":1. Yap, Yap, Yap
Is the stockbroker doing all the talking? Stockbrokers are required to learn essential facts about you before recommending an investment. The NASD requires a stockbroker, before executing a transaction for a customer, to obtain information about your financial status, your tax status, and your investment objectives. If you are being pitched a low priced security, you should be asked about your other security holdings. If the stockbroker is doing all of the talking, then he or she simply cannot know you well enough to make a recommendation to you.2. I'm Buying it in my own Account and in my Mother's Account.
It is not a per se violation for a stockbroker to make this statement. However, you should know that there are often brokerage firm policies that discourage this type of statement. Realize that just because the investment may be suitable for the stockbroker or his mother, that does not mean that it is suitable for you. There is also the possibility that the claim is not true, and you will never know it. Such a statement, while titillating, may leave you in the dark regarding how much stock was bought, what price was paid, or if the stock was subsequently sold.3. It's going Fast -- you need to Fed-Ex me a Check.
This is usually a ploy to short circuit your ability to ask questions, seek outside information, or receive and review written materials. Don't fall victim to the undertone of, "Everyone else is buying it and you should too."4. You can't Lose. It is a Sure Winner. I Promise. I Guarantee it.
If you hear these words, don't even waste your time or breath. Hang up. It is a direct violation for stockbrokers to assure clients or potential clients of the profitability of a particular investment. Words like "promise" and "guarantee" are the reddest of red flags. The above remarks also cry out, "There is no risk in this investment," which is not true. All investments involve some degree of risk. When securities expert and investment advisor Douglas Schulz of Colorado Springs hears such claims from stockbrokers' cold calls, he tape records them and sends the tape to the state securities board.5. You don't need to Read the Literature.
For almost every investment, there is some kind of literature that goes with it -- usually a prospectus, research or analyst reports, or other documentation about the company. You may not have the time, expertise or desire to review and understand this material, but the point is that the stockbroker should not discourage you from receiving or reviewing such information.6. I'm a Specialist in....
There are very few "specialist" stockbrokers and those who are typically sell to institutions, not individuals. The vast majority of brokers are generalists, which is the best type because they have a broad understanding of all investments. You will find that these so-called "specialists" are specializing in either what they are interested in that day or what their firm is selling that day.7. I won't Charge you Commissions.
No stockbroker is calling you to sell you something on which he is not making some sort of commission. You will end up paying it one way or another.8. I Only Make Money if you Make Money.
It would seem to make far more sense for stockbrokers to be compensated based upon the success of their clients' portfolios -- but that's not the system. Stockbrokers make commissions no matter how poorly your investments do. In fact, they stand to make more money if your investment does poorly, because the next phone call you get may be urging you to sell and buy something else. The stockbroker will make another commission on the purchase of the new stock and may even make a commission on the sale of the old stock. A double whammy.9. You should Buy 100,000 Shares.
This might be okay if you have told the stockbroker that you buy in large quantities. But if you have not or if the stockbroker has failed to inquire about the money you have available for investment, recognize this red flag. It says you have a stockbroker more concerned about the size of an order (that is, his commission) than what is suitable for you.10. Don't Worry About it. Trust me.
If a stockbroker says this to you, do worry and don't trust. The primary way evil doers take advantage of their victims is by dismissing their concerns.
You can protect yourself by keeping your ears open for the above telltale signs of trouble. If you experience one or more of the above indicia of misdeeds from a stockbroker "cold call," just hang up. If you encounter any of the above from your current broker, consider having your brokerage account assessed by a third party or moving it.
Contact Ms. Stoneman, Stoneman Law (800) 783-0748 Free Consultation, Nationwide Representation


text: An account at any financial institution that permits acceptance of credit cards and transfers the amount directly to the bank account of your choice is called a Merchant Account. Credit cards are accepted through PC processing software, credit card terminal, through telephone or Internet virtual terminal. There are plenty of institutions that work with the software, Internet option or any terminal of your choice. Though this sounds easy there could be a few problems like… Read more


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GreenHouse is a live-in program. Programming and activities are provided for free by St. Paul's to students who are accepted into GreenHouse. You pay for your housing in our on-campus facilities.
Students in St. Paul's GreenHouse may choose to sign a 4-month or 12-month contract for their accommodation. You can re-apply for subsequent terms as long as you are a registered undergraduate student.
2018-19 accommodation fees
Our new wing with 13 Super Single rooms (with private bathrooms) per floor is now available for GreenHouse cohort.
Fall, Winter, and Spring: $3,394 per term
Additional fees
Activities Council fee (mandatory): $25/term.
Levy to support refugee students (voluntary): $25/term.
- Optional washroom cleaning service available: $140/term.


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Banks need to train more people in Islamic banking
KUALA LUMPUR: The need to educate more staff on Islamic banking products and services is apparent as Malaysia moves towards becoming a hub for Islamic finance, said Islamic Banking and Finance Institute Malaysia (IBFIM) senior consultant in training and professional development Zanariah Zahari.
She said while the country retained a dual-banking system to cater to conventional and Islamic banking needs, employees with Islamic banking knowledge were not many as compared to conventional banking staff.
"There is a demand for staff who know the products. We have a lot of products but a lot of the people selling them do not fully understand them," she said.
Zanariah said staff promoting Islamic finance had to be able to give customers the full details of the products and services so that they could decide what to sign up for under conventional or Islamic banking.
She noted that although there were many staff trained in conventional banking moving to Islamic banks, they would need more education on the Islamic services.
"We can refer to scholars on what is halal and what is not but it is very difficult to get good scholars who can also see the business side of their knowledge," she said, adding that employees at all levels needed to know the products well enough as customers expected them to.
She added: "(Islamic banking) is very competitive now in Malaysia. Not only do the individual Islamic banks have to compete with their conventional sister banks but also full-fledge Islamic banks like Al Rajhi."
Zanariah noted that Bank Negara had set up institutions like IBFIM and International Shari'ah Research Academy (ISRA) to train bank employees on Islamic finance and was also monitoring the industry to ensure all banks were sending their staff for training.
However, banks have also taken the initiative to educate their employees instead of relying only on the central bank.
On maintaining a dual-banking system, she said it was because the local market segments required both types of financial services.
"Also, we learn from countries like Pakistan and India where the full conversion to Islamic banking did not work out," she said.
Source-The Star